Exhibit 4(d)



 EXHIBIT 4(d) 
 FORM OF POLICY RIDER 
 (ADDITIONAL DEATH DISTRIBUTION) 








					
	 




               A Stock Company (Hereafter called
the Company, we, our or us)
	  	 Home Office:
 4333 Edgewood
Road N.E.
 Cedar Rapids, Iowa 52499

(319)355-8511



ADDITIONAL DEATH BENEFIT RIDER 
 We issued this rider as a part of the policy to which it is attached. All provisions of the policy that do not conflict with this rider apply to this rider. In the event of any conflict between the
provisions of this rider and the provisions of the policy, the provisions of this rider shall prevail over the provisions of the policy. 
 This rider will pay an Additional Death Benefit amount equal to a percentage of the gains accumulated in the policy since the rider was added. This Additional Death Benefit, if any, will be paid whenever
death proceeds are payable on the base policy to which this rider is attached. 
 This rider can only be terminated when the
policy to which this rider is attached terminates, including when the Policy Value becomes zero, is annuitized, or an Additional Death Benefit is paid or added to the policy under spousal continuation under the terms of this rider. You may also
terminate this benefit at any time by notifying us at our service center. Once terminated, this rider may be re-elected. However, a new rider will be issued and the Additional Death Benefit amount will be re-determined. 

Rider Data Specifications 
  

			
	 Policy Number:
	  	12345
	 Rider Date:
	  	05/01/2013
	 Additional Death Benefit Factor:
	  	40%
	 Rider Fee Percentage:*
	  	0.25%

 *The Rider Fee applies for the life of the rider. 
 DEFINITIONS 
 Rider Anniversary 

The anniversary of the Rider Date for each year the rider remains in force. 
 Rider Date 
 The date that this rider is added to the policy. 

Rider Earnings 
 The
policy gains accrued and not previously withdrawn since the Rider Date. On a given date, this amount is equal to: the current Policy Value of the base policy; minus the Policy Value of the base policy on the Rider Date; minus premiums paid after the
Rider Date; plus amounts withdrawn from the Policy Value after the Rider Date that exceed the Rider Earnings on the date of the withdrawal. 
 Rider Fee 
 The Rider Fee amount is equal to the Rider Fee Percentage above
multiplied by the Policy Value on the date the fee is deducted. A Rider Fee is deducted annually on each Rider Anniversary prior to annuitization. We will also deduct this fee upon full Surrender of the policy or other termination of the rider.
However, once terminated the Rider Fee will also terminate. The Rider Fee is deducted pro rata from each Investment Option. The Rider Fee is deducted even during periods when the Additional Death Benefit rider would not pay any benefit. 

ADDITIONAL DEATH BENEFIT AMOUNT 
 If death proceeds are payable under the terms of the base policy to which this rider is attached, this rider will pay an Additional Death Benefit equal to the Additional Death Benefit Factor multiplied by
the Rider Earnings on the date used to calculate the death proceeds. This amount cannot be withdrawn as a lump sum. 

  

					
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 SPOUSAL CONTINUATION 
 If a death occurs and the base policy gives the surviving spouse the right to continue the policy, the surviving spouse has two options: 

 

	 	1.)	Receive the death benefit attributable to this rider as well as the death benefit attributable to the base policy, at which time both rider and base policy would
terminate, or 

  

	 	2.)	Continue the policy and receive a one-time Policy Value increase equal to the amount of the Additional Death Benefit paid by this rider. At this time the rider would
terminate. 

 If the policy is continued, the spouse would have the option of immediately re-electing the rider if they meet issue
requirements at the time the rider is re-elected. 
 REPORTS TO OWNER 
 The amount of the Additional Death Benefit will be included in a report sent to You at least once each year until the Annuity Commencement Date as described in Section 3, Reports to Owner provision,
in the policy. 
 Additional Death Benefit Example: 
  

					
	  

Additional Death Benefit Example Assumptions:
	  	 	 	 
	 Policy Value at rider issue
	  	$	    100,000	  
	 Premium Payments after rider issue
	  	$	    25,000	  
	 Policy Value on base policy
	  	$	    225,000	  
	 Death proceeds on base policy
	  	$	    250,000	  
	 Additional Death Benefit Factor
	  	 	40%	  
	 Withdrawals that exceed Rider
Earnings
	  	$	        0	  
	  
 Additional Death Benefit Calculations:
  
	  			 
	 	 
	 Rider Earnings = Policy Value - Policy Value on the Rider Date - Premium
Payments after the
Rider Date + withdrawals that exceed Rider Earnings on date of withdrawal = $225,000 -
$100,000 - $25,000 + $0
	  	$	    100,000	  
	 	 
	 Additional Death Benefit amount = Additional Death Benefit Factor * Rider
Earnings = 40% *
$100,000
	  	$	    40,000	  
	 	 
	 Total death proceeds = death proceeds on
base policy + Additional Death
Benefit amount = $250,000 + $40,000
	  	$	    290,000	  

 Signed for us at our Home Office. 

			
	 




 SECRETARY
	  	 




 PRESIDENT



  

					
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