Exhibit 4(c)



 EXHIBIT 4(c) 
 FORM OF POLICY RIDER 
 (ANNUAL STEP-UP) 








			
	 




 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


 GUARANTEED MINIMUM DEATH BENEFIT RIDER 

If You elect this rider, 100% of Your Policy Value must be in one or more of the designated funds. You can generally transfer between the
designated funds as permitted under Your policy; however, You cannot make transfers as provided for in the base policy to a non-designated fund. 
 The fee for this death benefit rider is 0.35%. This fee has been included in the mortality and expense risk fee and the administrative charge, shown in Section 2 - Policy Data, of the policy to which
this rider is attached. 
 The Guaranteed Minimum Death Benefit (GMDB) provision in the Death Proceeds section of the policy to
which this rider is attached, is amended to include the addition of the following language: 
 The Guaranteed Minimum Death
Benefit is an Annual Step-Up to age 81 Death Benefit. The amount of this GMDB is equal to: 
 a) the step-up
value as described below; plus 
 b) any Premium Payments subsequent to the previous determination point; minus

 c) any Adjusted Withdrawals subsequent to the previous determination point. 

On the Policy Date, the step-up value is the Policy Value. On each Policy Anniversary (referred to as the determination points) prior to
the earlier of the date of death of the Annuitant or the Annuitant’s 81st birthday, a comparison is made between (a) and (b), where (a) is the Policy Value at this point in time and (b) is the previous step-up value, plus Premium
Payments minus Adjusted Withdrawals (as described below) made since the previous determination point. The larger of (a) and (b) becomes the new step-up value. This step-up process stops at the earlier of the date of death of the Annuitant
or the Annuitant’s 81st birthday. The then current step-up value becomes the final step-up value. 
 A withdrawal as
provided in Section 5 of the policy will reduce the Guaranteed Minimum Death Benefit by an amount referred to as the “Adjusted Withdrawal”. The Adjusted Withdrawal may be a different amount than the gross withdrawal described in
Section 5 of the policy. If at the time of the withdrawal, the Policy Value is greater than or equal to the death proceeds, the Adjusted Withdrawal will equal the gross withdrawal. If at the time of the withdrawal, the Policy Value is less than
the death proceeds, the Adjusted Withdrawal will be greater than the gross withdrawal. 
 The Adjusted Withdrawal formula is


			
	 AW
 AW
 GW
 DP
 PV
 GMDB 
 CV
	  	 = GW multiplied by DP divided by PV, where:
 = Adjusted Withdrawal
 = Gross withdrawal
 = Death proceeds prior to the withdrawal = greatest of (PV, CV, or GMDB)
 = Policy Value prior to
the withdrawal
 = Guaranteed Minimum Death Benefit prior to the withdrawal
 = Cash Value prior to the withdrawal


 The death benefit amount cannot be withdrawn as a lump sum. 

The amount of the 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. 
 This rider is effective on the Policy Date and can
only be terminated when the policy to which this rider is attached terminates, including when the Policy Value becomes zero, or is annuitized. Once terminated the rider fee will also terminate. This rider is subject to all the terms and conditions
of the policy not inconsistent herewith. In the event of any conflict between the provisions of this rider and provisions of the policy, the provisions of this rider shall prevail over the provisions of the policy. 

Signed for us at our home office. 
  

			
	



	  	




	 SECRETARY
	  	PRESIDENT

 ICC12 RGMD50513