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                                                                         JACKSON
                                                 NATIONAL LIFE INSURANCE COMPANY

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              COMBINATION 5% ROLL-UP AND HIGHEST ANNIVERSARY VALUE
                           DEATH BENEFIT ENDORSEMENT

THIS ENDORSEMENT IS MADE A PART OF THE CONTRACT TO WHICH IT IS ATTACHED AND IS
EFFECTIVE ON THE ISSUE DATE. TO THE EXTENT ANY PROVISIONS CONTAINED IN THIS
ENDORSEMENT ARE CONTRARY TO OR INCONSISTENT WITH THOSE OF THE CONTRACT TO WHICH
IT IS ATTACHED, THE PROVISIONS OF THIS ENDORSEMENT WILL CONTROL. THE BENEFITS
DESCRIBED IN THIS ENDORSEMENT WILL CEASE UPON TERMINATION OF THE CONTRACT. THIS
COMBINATION DEATH BENEFIT MAY ONLY BE ELECTED PRIOR TO THE ISSUE DATE. THE
CONTRACT IS AMENDED AS FOLLOWS:

1.   In  consideration  for the payment of the charge shown on the CONTRACT DATA
     PAGE,  the DEATH BENEFIT AMOUNT BEFORE THE INCOME DATE provision is deleted
     and replaced with the following:

"DEATH  BENEFIT AMOUNT BEFORE THE INCOME DATE. The death benefit is equal to the
greatest of:

1.   The current Contract Value;

2.   All Premiums paid into the Contract (net of any  applicable  premium taxes)
     less any withdrawals  (including any applicable charges and adjustments for
     such  withdrawals),  compounded at an annual interest rate of 5% (4% if the
     Owner was age 70 or older on the Issue Date) until the Contract Anniversary
     immediately preceding the Owner's 81st birthday;

3.   The  Contract  Value  at the  end of the  7th  Contract  Year  or as of the
     Contract  Anniversary  immediately  preceding  the Owner's  81st  birthday,
     whichever is earlier,

     a.   plus all Premiums  (net of any  applicable  premium  taxes) paid since
          that Contract Anniversary,

     b.   less any withdrawals (including any applicable charges and adjustments
          for  such  withdrawals)  incurred  since  that  Contract  Anniversary,
          compounded  at an annual  interest rate of 5% (4% if the Owner was age
          70 or  older  on  the  Issue  Date)  until  the  Contract  Anniversary
          immediately preceding the Owner's 81st birthday; or

4.   The  greatest  Contract  Value  on any  Contract  Anniversary  prior to the
     Owner's 81st birthday

     a.   less  any   withdrawals   subsequent  to  that  Contract   Anniversary
          (including   any   applicable   charges  and   adjustments   for  such
          withdrawals),

     b.   plus any Premium paid (net of any applicable premium taxes) subsequent
          to that Contract Anniversary.

For purposes of calculating the amounts in items 2, 3, and 4 above, (a) all
adjustments will occur at the time of the withdrawal or Premium payment, and (b)
all adjustments for amounts withdrawn will reduce items 2, 3, and 4 above in the
same proportion that the Contract Value was reduced on the date of such
withdrawal.

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The death benefit amount will be determined as of the end of the Business Day
when due proof of the Owner's death satisfactory to the Company and an election
as to the type of death benefit option is received by the Company at its Service
Center in Good Order.

From the time of death of the Owner until the death benefit amount is
determined, any amount allocated to an Investment Division will be subject to
investment risk. This investment risk is borne by the Beneficiary(ies)."

                                        SIGNED FOR THE
                                        JACKSON NATIONAL LIFE INSURANCE COMPANY

                                        CLARK P. MANNING, JR.

                                        PRESIDENT AND CHIEF EXECUTIVE OFFICER


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