EX-(4).(n)



 THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK 

[OPTIONAL]
¬2GUARANTEED LIVING
BENEFIT ENDORSEMENT 
 Notwithstanding any provision in the Contract or to the contrary, this Endorsement becomes a part of the Contract
to which it is attached. Should any provision in this Endorsement conflict with the Contract, the provisions of this Endorsement will prevail. 

Subject to the terms and conditions set forth herein this [optional]¬2Guaranteed Living Benefit Endorsement
provides for guaranteed income over the lifetime of the Covered Person(s). You may take Withdrawals under the Guaranteed Living Benefit as prescribed by this Endorsement while this Endorsement is in effect. 

ENDORSEMENT DATA PAGE 
  

			
	 COVERED PERSON(S):
	  	 [John Doe
 Jane
Doe]¬1

	 ENDORSEMENT EFFECTIVE DATE:
	  	 [May 2,
2016]¬1

		
	 PURCHASE PAYMENT DOLLAR LIMIT:
	  	 The sum of all Purchase Payments cannot exceed [$1,000,000]¬3 without prior Company approval.

		
	 PURCHASE PAYMENT RESTRICTION:
	  	 Purchase Payments received on or after the [[first] [Contract Anniversary]] will not be accepted into the Contract. ¬4

		
	 [INVESTMENT REQUIREMENTS:
	  	 Every Purchase Payment and Continuation Contribution, if any, must be allocated by You in accordance with the investment
options approved by Us, which includes a mandatory allocation of every Purchase Payment and Continuation Contribution, if any, to the Secure Value Account, as shown below. We will notify You of any change to the permitted investment options.]¬5

		
	 [SECURE VALUE ACCOUNT ALLOCATION:
	  	 [10%] of Purchase Payment(s) and Spousal Beneficiary Contribution, if applicable]¬6

		
	 FREQUENCY AND DATES OF INCOME

BASE STEP-UPS:
	  	 [Quarterly,] [on the Benefit [Quarter] Anniversary]¬7


 ENDORSEMENT FEE: 

The Endorsement Fee is assessed against the [Income
Base]¬9 and deducted from the Contract Value at the
end of each Benefit [Quarter]¬8 [starting
[1]¬9 Benefit [Quarter(s)]¬8 following the Endorsement Effective Date]¬9. The [Initial]¬9 Annual Fee Rate is guaranteed not to change for the
[first]¬8 Benefit [Year]¬8. After the [first] Benefit [Year]¬8, on each Benefit [Quarter Anniversary]¬8, we will (1) deduct the fee in effect for the
previous Benefit [Quarter]¬8; and
(2) determine the fee rate applicable to the next Benefit [Quarter]¬8. The fee rate can increase or decrease each Benefit
[Quarter]¬8, subject to the minimums and
maximums in the table below: 
 i
9 

									
	
Number of Covered
 Persons
on
 Endorsement

Effective Date
	 	
[Initial]¬9
 Annual
 Fee Rate
	 	 Minimum Annual

Fee Rate
	 	
Maximum Annual
 Fee
Rate
	 	
Maximum Annualized
Fee Rate Increase or
Decrease Each Benefit

[Quarter]*¬8


	 One
Covered Person
	 	[1.10%]	 	[0.60%]	 	[2.20%]	 	+/- [0.25%]
	
Two Covered Persons
	 	[1.35%]	 	[0.60%]	 	[2.70%]	 	+/- [0.25%]

 *The fee rate can increase or decrease no more than [0.0625%]¬9 each [quarter]¬8 [(0.25%/4)]¬9. 

 

  

					
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 EXCESS WITHDRAWAL 

Any Withdrawal in a Benefit 8è[Year] taken after the Maximum Annual Withdrawal Amount has been withdrawn and/or any portion of a Withdrawal that causes the total Withdrawals in a Benefit
8è[Year] to exceed the Maximum Annual Withdrawal Amount.

 INCOME BASE 
 The Income Base
is used to determine the Endorsement Fee, the Maximum Annual Withdrawal Amount and the Protected Income Payment. 
 MAXIMUM ANNUAL WITHDRAWAL AMOUNT

 The maximum amount that may be withdrawn each Benefit
8è[Year] while the Contract Value is greater than zero and the
Covered Person(s) is living, without reducing the Income Base. 
 MAXIMUM ANNUAL WITHDRAWAL PERCENTAGE 

The percentage, as referenced on the Endorsement Data Page used to determine the Maximum Annual Withdrawal Amount available for Withdrawal each
Benefit 8è[Year] while the Contract Value is greater than zero and
the Covered Person(s) is living. 
 PROTECTED INCOME PAYMENT 

The amount to be paid each 8è[year] over the remaining lifetime of the Covered Person(s) after the Contract Value is reduced to zero but the Income Base is still greater than zero.

 PROTECTED INCOME PAYMENT PERCENTAGE 

The percentage, as referenced on the Endorsement Data Page, used to determine the Protected Income Payment. 

STEP-UP VALUE 
 A value used to determine
the Income Base that is equal to the current Contract Value if it is greater than the current Income Base. This value is determined based on the Frequency and Dates of Income Base Step-ups, as shown on the Endorsement Data Page. 

YOU, YOUR 
 The Covered Person(s) under this Endorsement.

 GUARANTEED LIVING BENEFIT PROVISIONS 

The Guaranteed Living Benefit described in this Endorsement provides for guaranteed Withdrawals over the lifetime of the Covered Person(s),
subject to the following provisions: 
 Calculation of the Factors of the Guaranteed Living Benefit 

To determine the Guaranteed Living Benefit, We use the following factors: Income Base, Maximum Annual Withdrawal Amount, Maximum Annual
Withdrawal Percentage, Protected Income Payment and Protected Income Payment Percentage. These factors are not used in the calculation of the Contract Value or any other benefits under the Contract. 

Withdrawals taken under this Living Benefit are treated like any other Withdrawal under the Contract for purposes of calculating Contract
Value, including any fees and charges applicable to such Withdrawals and any other benefits under the Contract. In any Benefit Year, Withdrawals up to Maximum Annual Withdrawal Amount are free of Withdrawal Charges. 

Calculation of the Income Base 
 The initial Income
Base is equal to the initial Purchase Payment. 
 Thereafter, if no Withdrawals have been taken, the Income Base is increased to the
Step-up Value, based on the Frequency and Dates of Income Base Step-ups. 
 After the first Withdrawal has been
taken, the Income Base is increased only on the Benefit Year Anniversary looking back to the Step-up Value based on the Frequency and Dates of Income Base Step-ups since the first Withdrawal (“first look-back”). 

  

					
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 After the first look-back, the Income Base is increased only on the Benefit Year
Anniversary looking back to the Step-up Value based on the Frequency and Dates of Income Base Step-ups since the last Benefit Year Anniversary. Thereafter, the Income Base will continue to be determined on each Benefit 8è[Year] Anniversary while this Endorsement is in effect and both the
Contract Value and Income Base are greater than zero. 
 Calculation of the Maximum Annual Withdrawal Amount 

The Maximum Annual Withdrawal Amount is calculated by multiplying the Income Base by the Maximum Annual Withdrawal Percentage as shown on the
Endorsement Data Page, which is determined by the timing and Your Age at the time You first take a Withdrawal from Your Contract and the number of Covered Person(s) shown on the Endorsement Data Page. 

Withdrawals during a Benefit Year that in total are less than or equal to the Maximum Annual Withdrawal Amount will not reduce the Maximum
Annual Withdrawal Amount and the Income Base. If You choose to take less than the Maximum Annual Withdrawal Amount in any Benefit Year, You may not carry over the unused amount for withdrawal in subsequent Benefit Years. Your Maximum Annual
Withdrawal Amount in any year will not be recalculated solely as a result of taking less than the entire Maximum Annual Withdrawal Amount in the prior Benefit Year. 

Calculation of the Protected Income Payment 

If the Contract Value is reduced to zero due to unfavorable investment performance, Withdrawal up to the Maximum Annual Withdrawal Amount, or
any combination of these factors, but the Income Base is still greater than zero, You may be eligible to receive the Protected Income Payment. The Protected Income Payment is calculated by multiplying the Income Base by the applicable Protected
Income Payment Percentage, which is determined by Your Age at the time You first take a Withdrawal from Your Contract, as shown on the Endorsement Data Page. You will receive the Protected Income Payment each year for the remaining lifetime of the
Covered Person(s). 
 Increases and Decreases in the Income Base and the Impact to Your Maximum Annual Withdrawal Amount 

Increases in the Income Base 
 The Income
Base is increased as a result of a Step-up Value being achieved resulting in the Income Base being stepped up on: (1) the Frequency and Dates of Income Base Step-ups prior to taking any Withdrawals, or (2) a Benefit Year Anniversary after
Withdrawals have been taken. The Income Base is also increased when a Purchase Payment is allocated to Your Contract subject to the Purchase Payment Restriction shown on the Endorsement Data Page; consequently, any remaining 

Withdrawals of the Maximum Annual Withdrawal Amount will be based on the increased Maximum Annual Withdrawal Amount reduced by Withdrawals
previously taken in that Benefit 8è[Year]. When the Income Base is
increased as referenced in (1) and (2) above, the Maximum Annual Withdrawal Amount will be recalculated by multiplying the increased Income Base by the applicable Maximum Annual Withdrawal Percentage. The Endorsement Fee will be assessed
on the increased Income Base. 
 Decreases in the Income Base 

Excess Withdrawals reduce Your Income Base on the date the Excess Withdrawal occurs. Any Excess Withdrawal in a Benefit 8è[Year] reduces the Income Base in the same proportion by which the Contract Value is reduced by the Excess Withdrawal. As a result of a reduction of the Income Base, the Maximum Annual Withdrawal Amount will also
be reduced. The new Maximum Annual Withdrawal Amount will be equal to the reduced Income Base multiplied by the applicable Maximum Annual Withdrawal Percentage. The last recalculated Maximum Annual Withdrawal Amount in a given Benefit 8è[Year] is available for Withdrawal at the beginning of the next Benefit
8è[Year] and may be lower than the previous Benefit 8è[Year]’s Maximum Annual Withdrawal Amount. When the Contract Value
is less than the Income Base, Excess Withdrawals will reduce the Income Base by an amount which is greater than the amount of the Excess Withdrawal. 

The Income Base is a factor used to determine the Maximum Annual Withdrawal Amount and Protected Income Payment as well as
the Endorsement Fee. The Income Base is not an amount that You can withdraw. Excess Withdrawals may reduce future benefits by more than the dollar amount of the Withdrawal. If You have any questions regarding whether a potential Withdrawal would be
an Excess Withdrawal, please call Our Annuity Service Center. 
 Required Minimum Distributions (RMD) 

This provision applies only to the Contract to which this Endorsement is attached. If you are taking RMD and the
RMD amount, based only on this Contract, is greater than the Maximum Annual Withdrawal Amount in any given Benefit
8è[Year], no portion of the RMD will be treated as an Excess
Withdrawal provided you enroll in the Company’s systematic withdrawal program for RMD. However, any portion of a Withdrawal in a Benefit 8è[Year] that is more than the greater of both the Maximum Annual Withdrawal Amount and the RMD amount will be considered an Excess Withdrawal for the purpose
of the recalculation of the Income Base and Maximum Annual Withdrawal Amount. 

  

					
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 If Your Contract Value is Reduced to Zero 

If Your Contract Value is reduced to zero because of an Excess Withdrawal, no further benefits will be payable under this Endorsement or the
Contract, and Your Contract along with the Endorsement will terminate. However, if Your Contract Value is reduced to zero due to unfavorable investment performance and/or fees, Withdrawal(s) up to the Maximum Annual Withdrawal Amount (or if
applicable, the RMD amount as described above) or any combination of these factors, and the Income Base is greater than zero, We will pay the remaining Maximum Annual Withdrawal Amount for that Benefit 8è[Year] in the same frequency withdrawals had been taken, i.e. monthly or
quarterly. Thereafter, we will pay the Protected Income Payment over the remaining lifetime of the Covered Person(s) which will be calculated by multiplying the Income Base by the Protected Income Payment Percentage, as shown on the Endorsement Data
Page. 
 Because the Contract Value has been reduced to zero, the Income Base will no longer be increased to a Step-up Value. In
addition, all other benefits under the Contract with the exception of payment of the Protected Income Payment, will be terminated and You may no longer make subsequent Purchase Payments or transfers, and no Death Benefit is payable. 

When the Contract Value equals zero and the Income Base is greater than zero, to receive any remaining Living Benefit, you must select one of
the following payment options: 
  

	 	1.	 The Protected Income Payment, divided equally and paid on a monthly, quarterly, semi-annual or annual
frequency as selected by You until the date of Your death(s); or 


  

	 	2.	 Any payment option mutually agreeable between You and Us. 



Once You select a payment option, it cannot be changed. If You do not select a payment option above, the remaining benefit will be paid as an
amount based on the Protected Income Payment Percentage. This amount will be divided equally and paid on a quarterly basis until the date of death of the Covered Person(s). 

Latest Annuity Date 
 If the Contract
Value and the Income Base are greater than zero on the Latest Annuity Date, You must select one of the following options: 
  

	 	1.	 Annuitize the Contract Value under the Annuity Provisions of the Contract; or 



 

	 	2.	 Annuitize the Contract and elect to receive the current Maximum Annual Withdrawal Amount as of the Latest
Annuity Date for a fixed period while You are alive. The fixed period is determined by dividing the contract value on the Latest Annuity Date by the Maximum Annual Withdrawal Amount. Any applicable premium taxes will be deducted from the Contract
Value prior to determining the fixed period. After that fixed period ends, you will receive the Protected Income Payment, as of the Latest Annuity Date, divided equally and paid on a monthly, quarterly, semi-annual or annual frequency as selected by
You until the date of death of the Covered Person(s); or 


  

	 	3.	 Any payment option mutually agreeable between You and Us. 



If You do not select an option listed above, on the Latest Annuity Date, We may annuitize the Contract Value in accordance with Option 2
above, divided equally and paid on a 8è[quarterly] frequency until
the date of death of the Covered Person(s). 
 [Secure Value Account Allocation(s) 

Secure Value Account Allocation(s) is/are required only while the Endorsement is effective. Amounts allocated to the Secure Value Account(s)
are not subject to the Separate Account Charge. Amounts allocated to the Secure Value Account(s) may not be transferred to any other investment option as long as the Endorsement is effective and We will not rebalance amounts allocated to the Secure
Value Account(s) in accordance with the automatic asset rebalancing program. You may not transfer into or out of the Secure Value Account(s). You may not request the entire amount of any Withdrawal to be deducted solely from the Secure Value
Account(s). Rather, any Withdrawal reduces the amount invested in the Secure Value Account(s) in the same proportion that the Withdrawal reduces the Contract Value.]¬
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 [Investment Requirements 

In addition to the Secure Value Account Allocation, while the Endorsement is effective, We require that you allocate your Purchase Payment(s)
and Spousal Continuation Contribution, if applicable, and Contract Value in accordance with established requirements stated in the Prospectus. We require enrollment in a quarterly automatic asset rebalancing program that complies with the investment
requirements. In addition to quarterly asset rebalancing, We will initiate rebalancing in accordance with your most current and compliant automatic asset rebalancing instructions on file after any Withdrawal or transfer You initiate.]¬ 5 

Misstatement of Age or Sex 
 The
Misstatement of Age or Sex provision included in Your Contract shall apply to the Covered Person(s) under this Endorsement and may impact the Maximum Annual Withdrawal Amount. 

  

					
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 Termination of Withdrawals Over Two Lives 

If there are two Covered Persons on the Endorsement Effective Date, Withdrawals guaranteed for the life of one of the Covered Persons will
terminate if: 
  

	 	1.	 One of the two Covered Persons is removed from the Endorsement due to any reason other than death; or



  

	 	2.	 The Covered Persons are no longer married at the time of death of the first Covered Person.



 Termination of Withdrawals guaranteed for the life of one Covered Person does not impact any other terms and conditions
of this Endorsement, including the applicable Endorsement Fee, which is based on the number of Covered Persons on this Endorsement Effective Date. 

Cancellation of the Guaranteed Living Benefit 

You may cancel this Endorsement in the first 5 Benefit Years as detailed below. The Guaranteed Living Benefit may not be re-elected or
reinstated after a cancellation. 
 Cancellation Effective Date 

If Your cancellation request is received: 
  

	 	1.	 In the first 5 Benefit Year(s), the cancellation is effective on the 5th Benefit Year Anniversary; 



2.     In any Benefit Year after the 5th Benefit
Year Anniversary, the cancellation is effective on the Benefit Quarter Anniversary following Our receipt of the cancellation request. 
 Termination
of the Guaranteed Living Benefit 
 This Endorsement and the Endorsement Fee will terminate automatically upon the occurrence of one of the
following: 
  

	 	1.	 Death of the Covered Person, or if there were two Covered Persons, upon the death of the surviving Covered
Person; or 



	 	2.	 A Death Benefit is paid resulting in the Contract being terminated; or 



	 	3.	 The Contract is annuitized; or 



	 	4.	 An Excess Withdrawal that reduces the Contract Value and Income Base to zero; or 



	 	5.	 Any change occurs that removes one or all Covered Persons from the Contract except as noted above under
“Termination of Withdrawals Over Two Lives”; or 



	 	6.	 The Contract is cancelled or surrendered for any reason; or 



	 	7.	 Assignment of any Contract Owner rights under this Endorsement to a third party; or 



	 	8.	 You elect to cancel this Endorsement. 



On the termination effective date, amounts allocated to the Secure Value Account will be automatically transferred to a 14è[1-Year Fixed Account option, if available, or a money market or similar
portfolio]. Purchase Payments may no longer be allocated to the Secure Value Account after termination. From the day following the automated transfer, you may transfer this amount to another available investment option under the Contract for a
period of [90 days]¬14 during which the
transfer will not count against the annual number of free transfers or incur a transfer fee. 
 If You surrender Your Contract while
Your Contract Value is greater than zero, We will assess a pro-rata charge for the Endorsement Fee applicable to the Benefit
8è[Quarter] in which the surrender occurs if the Contract was
surrendered before the end of a Benefit
8è[Quarter]. The pro-rated charge is calculated by multiplying the fee by the number of days between the date when the prior fee was last assessed and the date of surrender, divided by the number of days between the
prior and the next Benefit 8è[Quarter] Anniversaries.
Thereafter, You will no longer be charged an Endorsement Fee. 
 Death of Covered Person(s) 

If there is one Covered Person and that person dies, this Endorsement and the Endorsement Fee will be terminated. 

If there are two Covered Persons, upon the first death, if the surviving Covered Person is eligible and elects to continue the Contract, this
Endorsement is also continued. Upon the election of continuation, the Endorsement Effective Date, the applicable Endorsement Fee, and the Maximum Annual Withdrawal and Protected Income Payment Percentages based on two Covered Persons will not
change. 

  

					
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