Fixed 5 MVA Options, 2 Enhanced DCA options & 1 Fixed option

Variable 56

• Van Kampen.
• AIM,
• American Century,
• Dreyfus,
• Federated,
• Fidelity,
• Franklin Templeton,
• Gartmore,
• MFS,
• Neuberger Berman,
• Oppenheimer,
• Putnam

$10,000

NA

85 annuitant; owner- any age

Up to 20 per year. Subsequent transfers must be initiated via U.S. Mail

15% of purchase payments or through systematic withdrawal only,

if under age 59 1/2, then 5% of contract value,

if ages 59 1/2 to age 61, then 7% of contract value,

if ages 62 to 64, then 8% of contract value,

if ages 65 to 74, then 10% of contract value,

if ages 75+, then 13% of contract value.

Highest Anniversary Value (HAV) Option:

Greater of

(1)Return Of Principal;

(2)Account Value;

(3) Highest Anniversary Value lock-in up to age 86

[All riders may not be available in all states]

Death Benefit Option (DBO) 1:

Greater of One-Year or 5% Step-Up Option: Greater of

(1) Return Of Principal;

(2) Account Value;

(3) Highest Account Value on a contract anniversary up to age 81 (+/- adjustments); or

(4) 5% step-up to age 81(Not available in NY or WA)

Death Benefit Option (DBO) 2/Monthaversary: Greater of

(1)Return Of Principal;

(2)Account Value;

(3) Highest monthly anniversary value lock-in up to age 81

Beneficiary protector II Death Benefit, Issue age 0-70:

Earning enhanced 40% of gains to a maximum of 200% of premium less adjustment for withdrawals.

Earnings enhancement is 25% for issue ages 71-75 to a maximum of 200% of premiums paid less adjustment for withdrawals. Not available age 76 and above.

Pays on two lives if SPA (spousal) rider also elected. Subject to state availablility

[All riders may not be available in all states]

Allows Surviving Spouse to continue the contract at the guaranteed death benefit level, regardless of which spouse dies first. Available on all plan types except Charitable Remainder Trust.

Available in all states

[All riders may not be available in all states]

Captial Preservation Plus - Available for investors to invest a significant percentage of their assets in select variable accounts, with a 100% guarantee of principal.

Flexibility to select a time horizon between three and ten years.

Guarantees up to 100% of the principal value if held to the end of the maturity period.

Captial Preservation Plus Lifetime Income - Available for anyone (owner must be age 35 or older) to invest a significant percentage of their assets in select variable accounts, with a 100% guarantee of principal.

The rider combines a Prinicpal Protection Benefit over a time horizon of between five and ten years with a Guaranteed Withdrawal option.

The rider guarantees up to 100% of the principal value if held to the end of the maturity period.

Upon reaching maturity of the Principal Protection phase, you have the option of:

1) Making systematic withdrawals of between 4% and 7% of the greater of contract value or guaranteed principal amount, over their lifetime,

2) Entering a new Principal Protection phase,

3) Drop the rider and associated charges, or

4) Annuitze the greater of the contract value or guaranteed principal amount, at current annuitization rates.

Guaranteed Lifetime withdrawal amounts are based on the owner's age when they elect to enter the Lifetime Withdrawal Phase (Age 35-59.5 - 4%; age 59.5 through 66 - 5%; age 67 through 71 - 6%; age 72 and older - 7%.

Asset Allocation? Yes

Auto Additions? Yes

Dollar Cost Averaging? Yes

Nursing Home Waiver? Yes

Widow Waiver? No

Terminal illness Waiver? Yes

RMD Waiver? Yes

Systematic Withdrawals? Yes

Spousal Continuation? Yes

IRA 2000 Availability? Yes