Protective Aspirations Variable Annuity Standard death bene昀椀t option The standard Return of Account Value death bene昀椀t is available at no additional cost with purchase of your Protective Aspirations variable annuity. It o昀昀ers a bene昀椀t equal to your contract value. Enhanced death bene昀椀t options You may select from one of three enhanced death bene昀椀ts in lieu of the standard Return of Account Value death bene昀椀t for an additional fee when you purchase your contract. The monthly fee for each enhanced death bene昀椀t is based on the value of the death bene昀椀t and is assessed at the beginning of each contract month. Please note that once an enhanced death bene昀椀t is chosen, it cannot be changed for the term of the contract. Please see the prospectus for more details. Return of Purchase Payments death bene昀椀t With our Return of Purchase Payments death bene昀椀t, should you pass away before starting annuity income payments, your bene昀椀ciaries will receive the greater of the: • Contract value, or • Total investment in the variable annuity (total purchase payments), less an adjustment for each prior withdrawal. As the contract value increases, so does the death bene昀椀t amount; however, if the contract value decreases due to poor market performance, the death bene昀椀t will never fall below the investment in the variable annuity. Your bene昀椀ciaries Your bene昀椀ciaries Your bene昀椀ciaries receive the receive the contract receive the contract investment in the variable value upon your death. value upon your death. annuity upon your death. Contract value 1 2 3 4 5 6 7 8 9... Contract anniversary Death bene昀椀t Total investment This chart is hypothetical and is intended solely to demonstrate how the Return of Purchase Payments death bene昀椀t works and assumes one single investment and no withdrawals. It is not indicative of the performance of any variable annuity investment option, does not re昀氀ect any actual account values, prior withdrawals nor any fees associated with Protective's variable annuities. 2