Document:

DEATH BENEFIT ENDORSEMENT B

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

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                             DEATH BENEFIT PROVISION
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DEATH OF ANNUITANT

A death benefit is payable to the beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a contingent Annuitant. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. A
beneficiary may request that a death benefit payable under this Contract be
applied to a Settlement Option subject to the provisions of this Contract and
the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the owner is not the Annuitant, and the owner dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit Proceeds Prior To
The Maturity Date below, by replacing all references to "Annuitant" with
"owner." The value of the death benefit, as recalculated, will be paid in a
single lump sum or by other election to the party taking proceeds under the
current tax laws.

DEATH PROCEEDS PRIOR TO MATURITY DATE

IF THE ANNUITANT DIES BEFORE AGE 80 and before the Maturity Date, the death
benefit payable as of the Death Report Date will be the greatest of a), b), c),
or d) below, less any applicable premium tax and outstanding loan balance:

a)   the Contract value on the Death Report Date; or

b)   the Adjusted Purchase Payment (as described below); or

c)   the Step-Up Value (if any, as described below); or

d)   the roll-up death benefit value (as described below) available at the Death
     Report Date

IF THE ANNUITANT DIES ON OR AFTER AGE 80 and before the Maturity Date, the death
benefit payable as of the Death Report Date will be the greatest of a), b), c)
or d) below, less any applicable premium tax and outstanding loans:

a)   the Contract value on the Death Report Date; or

b)   the Adjusted Purchase Payments (as described below); or

c)   the step-up value (if any, as described below); or

d)   the roll-up death benefit value (as described below) available at the
     Annuitant's [80th] birthday, plus any additional Purchase Payments and
     minus any partial surrender reductions (as described below) which occur
     after the Annuitant's [80th] birthday.

ADJUSTED PURCHASE PAYMENT

The initial Adjusted Purchase Payment is equal to the initial Purchase Payment.
Whenever any additional Purchase Payment(s) are made, the Adjusted Purchase
Payment is increased by the amount of the Purchase Payment. Whenever a partial
surrender is taken, the Adjusted Purchase Payment is reduced by a Partial
Surrender Reduction as described below

STEP-UP VALUE

The Step-Value will initially equal the Contract Value on the first Contract
Date anniversary. On each subsequent Contract Date anniversary that occurs
before the Annuitant's [80th] birthday and before the Annuitant's death, if the
Contract Value is greater than the Step - Up Value, the Step - Up Value will be
increased to equal the Contract Value. If the Step -Up Value is greater than the
Contract Value, the Step - Up Value will remain unchanged. Whenever a Purchase
Payment is made, the Step - Up value will be increased by the amount of that
Purchase Payment. Whenever a partial surrender is taken, the Step - Up Value
will be reduced by a partial Surrender Reduction as described below. The only
changes made to the Step - Up Value on or after the Annuitant's [80th] birthday
will be those related to additional Purchase Payments or partial surrenders as
described below.

     ROLL-UP DEATH BENEFIT VALUE

     On the Contract Date, the roll-up death benefit value is equal to the
     Purchase Payment. On each Contract Date anniversary, the roll-up death
     benefit value will be recalculated to equal a) plus b) minus c), increased
     by 5%, where:

<PAGE>

     a)   is the Roll-Up Death Benefit as of the previous Contract Date
          anniversary

     b)   any Purchase Payments made during the previous Contract Year

     c)   any partial surrender reductions (as described below) during the
          previous Contract Year

     On dates other than the Contract Date anniversary, the roll-up death
     benefit value will equal a) plus b) minus c), where:

     a)   the roll-up death benefit value on the previous Contract Date
          anniversary

     b)   any Purchase Payments made since the previous Contract Date
          anniversary

     c)   any partial surrender reductions (as described below) since the
          previous Contract Date anniversary.

     The maximum roll-up death benefit equals 200% of the difference between all
     Purchase Payments and all partial surrender reductions (as described
     below).

     PARTIAL SURRENDER REDUCTIONS

     ADJUSTED PURCHASE PAYMENT

     The Partial Surrender Reduction is equal to 1) the Adjusted Purchase
     Payment in effect immediately prior to the reduction for the partial
     surrender, multiplied by 2) the amount of the partial surrender divided by
     3) the Contract Value less any Purchase Payment Credits applied within 12
     months, immediately prior to the partial surrender.

     STEP - UP VALUE AND ROLL - UP VALUE

     The Partial Surrender Reduction is equal to 1) the amount of the death
     benefit value (Step - Up or Roll - Up Value) in effect immediately prior to
     the reduction for the partial surrender, multiplied by 2) the amount of the
     partial surrender divided by 3) the Contract Value immediately prior to the
     partial surrender.

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

                             /s/ George C. Kokules

                                    PRESIDENTDEFERRED ANNUAL STEP-UP DEATH BENEFIT ENDORSEMENT

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

--------------------------------------------------------------------------------
                             DEATH BENEFIT PROVISION
--------------------------------------------------------------------------------

DEATH OF ANNUITANT

A death benefit is payable to the beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a contingent Annuitant. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. A
beneficiary may request that a death benefit payable under this Contract be
applied to a Settlement Option subject to the provisions of this Contract and
the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the owner is not the Annuitant, and the owner dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit Proceeds Prior To
The Maturity Date below, by replacing all references to "Annuitant" with
"owner." The value of the death benefit, as recalculated, will be paid in a
single lump sum or by other election to the party taking proceeds under the
current tax laws.

DEATH PROCEEDS PRIOR TO THE MATURITY DATE

Upon the death of the Annuitant, the death benefit payable as of the Death
Report Date will be the greatest of a), b) or c) below, less any applicable
premium tax or outstanding loan balance:

a)   the Contract value on the Death Report Date; or

b)   the Adjusted Purchase Payment (as described below); or

c)   the Step-Up Value (if any, as described below)

          ADJUSTED PURCHASE PAYMENT

          The initial Adjusted Purchase Payment is equal to the initial Purchase
          Payment. Whenever any additional Purchase Payment(s) are made, the
          Adjusted Purchase Payment is increased by the amount of the Purchase
          Payment. Whenever a partial surrender is taken, the Adjusted Purchase
          Payment is reduced by a Partial Surrender Reduction as described below

          STEP-UP VALUE

          A Step-Up Value will be established on the seventh Contract Date
          anniversary that occurs on or prior to the Death Report Date. The
          Step-Up Value will initially equal the Contract Value on that
          anniversary. On each subsequent Contract Date anniversary that occurs
          before the Annuitant's 80th birthday and before the Annuitant's death,
          if the Contract Value is greater than the Step-Up Value, the Step-Up
          Value will be increased to equal the Contract Value. If the Step-Up
          Value is greater than the Contract Value, the Step-Up Value will
          remain unchanged. Whenever a Purchase Payment is made, the Step-Up
          value will be increased by the amount of that Purchase Payment.
          Whenever a partial surrender is taken, the Step-Up Value will be
          reduced by a partial Surrender Reduction as described below. The only
          changes made to the Step-Up Value on or after the Annuitant's 80th
          birthday will be those related to additional Purchase Payments or
          partial surrenders as described below. If the Death Report Date or the
          Annuitant's 80th birthday occurs before the seventh Contract Date
          anniversary, there is no Step-Up Value.

PARTIAL SURRENDER REDUCTIONS

ADJUSTED PURCHASE PAYMENT

The Partial Surrender Reduction is equal to 1) the Adjusted Purchase Payment in
effect immediately prior to the reduction for the partial surrender, multiplied
by 2) the amount of the partial surrender divided by 3) the Contract Value
immediately prior to the partial surrender.

STEP - UP VALUE

The Partial Surrender Reduction is equal to 1) the Step-Up Value in effect
immediately prior to the reduction for the partial surrender, multiplied by 2)
the amount of the partial surrender divided by 3) the Contract Value,
immediately prior to the partial surrender.

<PAGE>

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

                             /s/ George C. Kokules

                                    PRESIDENT

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