<PAGE>

                                                                   EXHIBIT(4)(l)

        THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK
                 OPTIONAL GUARANTEED LIVING BENEFIT ENDORSEMENT

Notwithstanding any provision in the Contract or Certificate ("Contract") 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 Guaranteed
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

<Table>
<S>                                   <C>
COVERED PERSON(S):                    [John Doe
                                      Jane Doe]
ENDORSEMENT EFFECTIVE DATE:           [May 1, 2011]

ELIGIBLE PURCHASE PAYMENTS:           1.   100% of Purchase Payments received in the 1st
                                           Contract Year; and

                                      2.   Purchase Payments received in each of Contract Years 2-5,
                                           capped  each  year at an amount equal to   200%  of  the
                                           Purchase  Payments received in
                                           Contract Year 1.

GROSS PURCHASE PAYMENT LIMIT:         The sum of Purchase Payments cannot exceed $1,500,000 without
                                      prior Company approval

SECURE VALUE ACCOUNT ALLOCATION:      20% of every Purchase Payment(s), Spousal Beneficiary
                                      Contribution, and Payment Enhancements if applicable
</TABLE>

ENDORSEMENT FEE:

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

<TABLE>
<CAPTION>
     NUMBER OF COVERED                                                          MAXIMUM ANNUALIZED
        PERSONS ON                                                               FEE RATE INCREASE OR
        ENDORSEMENT          INITIAL ANNUAL   MAXIMUM ANNUAL   MINIMUM ANNUAL   DECREASE EACH BENEFIT
      EFFECTIVE DATE            FEE RATE         FEE RATE         FEE RATE           QUARTER*
-----------------------      --------------   --------------   --------------   ---------------------
<S>                          <C>              <C>              <C>              <C>
    One Covered Person             1.10%          2.20%            0.60%             +/- 0.25%
    Two Covered Persons            1.35%          2.70%            0.60%             +/- 0.25%
</TABLE>

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

<TABLE>
<S>                          <C>
INCOME CREDIT PERCENTAGE:    8%

INCOME CREDIT PERIOD:        Beginning on the Endorsement Effective Date and ending 12 years
                             later
</TABLE>

MAXIMUM ANNUAL WITHDRAWAL AND PROTECTED INCOME PAYMENT PERCENTAGES:

<TABLE>
<CAPTION>
                      MAXIMUM ANNUAL WITHDRAWAL
                            PERCENTAGE              PROTECTED INCOME PAYMENT PERCENTAGE
                      -------------------------   ---------------------------------------
AGE AT FIRST          ONE COVERED   TWO COVERED        ONE COVERED
WITHDRAWAL             PERSON        PERSONS            PERSON        TWO COVERED PERSONS
------------------    -----------   -----------   ----------------   --------------------
<S>                   <C>           <C>           <C>                <C>
Less than Age 65        4.0%           3.5%             4.0%               3.5%
Age 65 and older        5.0%           4.5%             5.0%               4.5%
</Table>

<TABLE>
<S>                     <C>
MINIMUM INCOME BASE:    200% of Eligible Purchase Payments received in the 1st Benefit Year
                        effective on the 12th Benefit Year Anniversary provided no
                        Withdrawals are taken before the 12th Benefit Year Anniversary.
</TABLE>

FSE-6248-V(10/11)

                                      1
<PAGE>

                                   DEFINITIONS

For purposes of this Endorsement, the following definitions apply. Terms not
defined in this Endorsement shall have the same meaning as defined in the
Contract.

AGE

The attained age as of the Covered Person's last birthday. If there are two
Covered Persons on the Endorsement Data Page, the Age of the younger Covered
Person or in the event of the death of one Covered Person, the surviving Covered
Person as of their last birthday.

BENEFIT ANNIVERSARY VALUE

The Contract Value including any applicable Payment Enhancement(s) or Spousal
Beneficiary Continuation Contribution minus cumulative Ineligible Purchase
Payments, as measured on each Benefit Year Anniversary.

BENEFIT QUARTER

Each consecutive 3 month period starting on the Endorsement Effective Date.

BENEFIT QUARTER ANNIVERSARY

The date following each consecutive 3 month period starting on the Endorsement
Effective Date. If the next Benefit Quarter Anniversary is on any non-business
day of the month for which there is no corresponding date the Benefit Quarter
Anniversary will be deemed to be the following business day.

BENEFIT YEAR

Each consecutive one year period starting on the Endorsement Effective Date.

BENEFIT YEAR ANNIVERSARY

The date on which each Benefit Year begins.

CONTRACT YEAR

Each consecutive one year period starting on the Contract Date.

COVERED PERSON(S)

The person(s) named on the Endorsement Data Page whose lives are used to
determine the amount and duration of Withdrawals.

ELIGIBLE PURCHASE PAYMENTS

Purchase Payments or portions thereof made on or after the Endorsement Effective
Date as shown on the Endorsement Data Page that are included in the calculation
of the Income Base. If this Endorsement is added after the Contract Date, for
purposes of determining the Income Base, Income Credit Base, if applicable, and
Minimum Income Base, if applicable, the Contract Value on the Endorsement
Effective Date is considered the initial Eligible Purchase Payment and Purchase
Payments added prior to the Endorsement Effective Date are not considered
Eligible Purchase Payments. The calculation of Eligible Purchase Payments does
not include Payment Enhancements, Income Credits, or Spousal Beneficiary
Continuation contribution, if any.

ENDORSEMENT EFFECTIVE DATE

The date when this Endorsement becomes effective as shown on the Endorsement
Data Page.

EXCESS WITHDRAWAL

Any Withdrawal in a Benefit Year taken after the Maximum Annual Withdrawal
Amount has been withdrawn, or any portion of a Withdrawal that causes the total
Withdrawals in a Benefit Year to exceed the Maximum Annual Withdrawal Amount.

HIGHEST ANNIVERSARY VALUE

The Benefit Anniversary Value that is the greater of (1) all Benefit Anniversary
Values; and (2) Eligible Purchase Payments, while this Endorsement is effective
and the Contract Value is greater than zero.

INCOME BASE

The Income Base is used to determine the Endorsement Fee, the Maximum Annual
Withdrawal Amount and the Protected Income Payment.

FSE-6248-V(10/11)

                                        2
<PAGE>

INCOME CREDIT

An amount that may be added to the Income Base during the Income Credit Period
that is equal to the Income Credit Percentage multiplied by the Income Credit
Base.

INCOME CREDIT BASE

A factor which is used to determine the amount of any Income Credit during the
Income Credit Period.

INCOME CREDIT PERIOD

The period of time over which We calculate an Income Credit that may be added to
the Income Base.

INELIGIBLE PURCHASE PAYMENTS

Purchase Payments or portions thereof that are not included in the calculations
of the Income Base, Minimum Income Base, and the Income Credit Base.

MAXIMUM ANNUAL WITHDRAWAL AMOUNT

The maximum amount that may be withdrawn each Benefit Year while the Contract
Value is greater than zero without reducing the Income Base and the Income
Credit Base, if applicable.

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 Year
while the Contract Value is greater than zero and the Covered Person(s) is
living.

MINIMUM INCOME BASE

The guaranteed minimum amount to which the Income Base and the Income Credit
Base, if applicable, could be increased on a specified Benefit Year Anniversary
provided no Withdrawals are taken before the 12th Benefit Year Anniversary.

PROTECTED INCOME PAYMENT

The amount to be paid each 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.

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, Income Credit Base, Income Credit, Income Credit Percentage, Income Credit
Period, Minimum Income Base, and Maximum Annual Withdrawal Amount. 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

      CALCULATION OF THE INCOME BASE IF THE ENDORSEMENT IS ELECTED ON THE
      CONTRACT DATE

      If this Living Benefit is elected on the Contract Date, the
      initial Income Base is equal to the initial Eligible Purchase Payment.

      CALCULATION OF THE INCOME BASE IF THE ENDORSEMENT IS ELECTED AFTER THE
      CONTRACT DATE

      If this Living Benefit is elected after the Contract Date,
      the initial Income Base is the Contract Value on the Endorsement Effective
      Date, which is considered the initial Eligible Purchase Payment and is
      subject to the Eligible Purchase Payment limits shown on the Endorsement
      Data Page.

FSE-6248-V(10/11)

                                        3
<PAGE>

      THEREAFTER, ON EACH BENEFIT YEAR ANNIVERSARY, THE INCOME BASE IS
      AUTOMATICALLY INCREASED TO THE GREATER OF (A), OR (B) WHERE:

            (a)   is the Highest Anniversary Value; and

            (b)   is the current Income Base, plus the Income Credit, if any.

      The Income Base will continue to be calculated on each Benefit Year
      Anniversary while this Endorsement is in effect and both the Contract
      Value and Income Base are greater than zero.

CALCULATION OF THE INCOME CREDIT BASE

      CALCULATION OF THE INCOME CREDIT BASE IF THE ENDORSEMENT IS ELECTED ON THE
      CONTRACT DATE

      The Income Credit Base is used to calculate the amount of the Income
      Credit during the Income Credit Period. If this Living Benefit is elected
      on the Contract Date, the initial Income Credit Base is equal to the
      initial Eligible Purchase Payment.

      CALCULATION OF THE INCOME CREDIT BASE IF THE ENDORSEMENT IS ELECTED AFTER
      THE CONTRACT DATE

      If this Living Benefit is elected after the Contract Date, the initial
      Income Credit Base is the Contract Value on the Endorsement Effective
      Date, which is considered the initial Eligible Purchase Payment and is
      subject to the Eligible Purchase Payment limits shown on the Endorsement
      Data Page.

      THEREAFTER, THE INCOME CREDIT BASE IS INCREASED AND DECREASED AS FOLLOWS:

      Increases in the Income Credit Base The Income Credit Base increases each
      time Eligible Purchase Payments are made. The Income Credit Base also
      increases to the Highest Anniversary Value when the Income Base is
      increased to the Highest Anniversary Value.

      DECREASES IN THE INCOME CREDIT BASE

      The Income Credit Base decreases each time an Excess Withdrawal is taken,
      in the same proportion by which the Contract Value is reduced by the
      amount in excess of the Maximum Annual Withdrawal Amount.

CALCULATION OF THE INCOME CREDIT

      On each Benefit Year Anniversary during the Income Credit Period, if
      Withdrawals were not taken during the previous Benefit Year, the Income
      Credit is determined by multiplying the Income Credit Percentage by the
      Income Credit Base. If any Withdrawals were taken in the previous Benefit
      Year, then the Income Credit is reduced to zero for that Benefit Year.

CALCULATION OF THE MINIMUM INCOME BASE

      CALCULATION OF THE MINIMUM INCOME BASE IF THE ENDORSEMENT IS ELECTED ON
      THE CONTRACT DATE

      If this Living Benefit is elected on the Contract Date, the Minimum Income
      Base is as shown on the Endorsement Data Page.

      CALCULATION OF THE MINIMUM INCOME BASE IF THE ENDORSEMENT IS ELECTED AFTER
      THE CONTRACT DATE

      If this Living Benefit is elected after the Contract Date, the Minimum
      Income Base is 200% of the Contract Value on the Endorsement Effective
      Date and is considered the initial Eligible Purchase Payment and is
      subject to the Eligible Purchase Payment limits shown on the Endorsement
      Data Page.

      The Income Base and Income Credit Base, if applicable, will be increased
      to at least the Minimum Income Base on the 12th Benefit Year Anniversary,
      provided no Withdrawals are taken prior to that anniversary. If You are
      eligible for the Minimum Income Base, the Income Base on the 12th Benefit
      Year Anniversary is the greater of (a) or (b), where:

            (a)   is the current Income Base; and

            (b)   is the Minimum Income Base.

FSE-6248-V(10/11)

                                        4
<PAGE>

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 Your Age at the time You first take a
Withdrawal from Your Contract.

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, and the Income Credit Base if applicable. If you
take an Excess Withdrawal in a Benefit Year, the Income Credit is reduced to
zero for that Benefit Year. 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 year.

CALCULATION OF THE PROTECTED INCOME PAYMENT

      If you have taken Withdrawals up to the Maximum Annual Withdrawal Amount
      but your Contract Value has been reduced to zero due to unfavorable
      investment performance, if you live longer than expected, or any
      combination of these factors, You may be eligible to receive the Protected
      Income Payment. When the Contract Value is reduced to zero, but the Income
      Base is still greater than zero, 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. Thereafter, You will receive the Protected Income Payment each
      year for the remaining lifetime of the Covered Person.

THE FOLLOWING DESCRIBES HOW INCREASES AND DECREASES IN THE INCOME BASE CAN
IMPACT YOUR MAXIMUM ANNUAL WITHDRAWAL AMOUNT

INCREASES IN THE INCOME BASE

The Income Base is increased anytime an Eligible Purchase Payment is allocated
to Your Contract. The Income Base is also increased by any available Income
Credit on any Benefit Year Anniversary during the Income Credit Period, or as a
result of a Highest Anniversary Value being achieved resulting in the Income
Base being stepped up on a Benefit Year Anniversary. In addition, the Income
Base can also be increased to the Minimum Income Base on the 12th Benefit Year
Anniversary, provided no Withdrawals are taken before the 12th Benefit Year
Anniversary. In any Benefit Year during which Eligible Purchase Payments are
allocated to Your Contract, 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 Year. If the
Income Base is increased on a Benefit Year Anniversary, the Maximum Annual
Withdrawal Amount will be recalculated on that Benefit Year Anniversary, for the
upcoming Benefit Year, 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 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 Year is available for Withdrawal at the beginning of the next
Benefit Year and may be lower than the previous Benefit 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. In addition, no Income Credit will be added to
the Income Base in that Benefit Year.

REQUIRED MINIMUM DISTRIBUTIONS

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

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 You have
taken Withdrawals up to the Maximum Annual Withdrawal Amount and Your Contract
Value is reduced to zero due to unfavorable investment performance and/or fees,
if you live longer than expected, or any combination of these factors, and the
Income

FSE-6248-V(10/11)

                                        5
<PAGE>

Base is greater than zero, We will pay the remaining Maximum Annual Withdrawal
Amount for that Benefit 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 the Highest Anniversary Value nor will Income Credits be
applied, if applicable. In addition, all other benefits under the Contract, 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
options:

      1.    The current 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 elect 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.    Elect to receive the current 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 Annuity Provisions of the
Contract, option 2 above or payments that do not exceed Your life expectancy as
required by the IRS.

SECURE VALUE ACCOUNT ALLOCATION

The Secure Value Account Allocation as shown on the Endorsement Data Page, is
required only while the Endorsement is effective. Amounts allocated to the
Secure Value Account are not subject to the Separate Account Charge. We will not
rebalance amounts allocated to the Secure Value Account in accordance with the
automatic asset rebalancing program. You may not transfer into or out of the
Secure Value Account. You may not request the entire amount of any Withdrawal to
be deducted solely from the Secure Value Account. Rather, any Withdrawal reduces
the amount invested in the Secure Value Account in the same proportion that the
Withdrawal reduces the Contract Value.

INVESTMENT REQUIREMENTS

In addition to the Secure Value Account Allocation while the Endorsement is
effective, We require that you allocate your Purchase Payment(s), Spousal
Continuation Contribution, and Payment Enhancements, 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.

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.

FSE-6248-V(10/11)

                                        6
<PAGE>

CANCELLATION OF THE GUARANTEED LIVING BENEFIT

You cannot cancel this Endorsement in the first 5 Benefit Years unless You
surrender Your Contract. You may cancel this Endorsement 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 Years, 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.

THIS ENDORSEMENT AND THE ENDORSEMENT FEE WILL CANCEL 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 all Covered Persons from the
            Contract; or

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

On the Cancellation Effective Date, amounts allocated to the Secure Value
Account will be automatically transferred to a 1-Year Fixed Account option, if
available, or the Cash Management Variable Portfolio. You may no longer allocate
Purchase Payments to the Secure Value Account after cancellation. 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 during
which the transfer will not count against the annual number of free transfers or
incur a transfer fee.

If You cancel the Endorsement or 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 Quarter in which the cancellation or surrender
occurs if the Contract was cancelled or surrendered before the end of a Benefit
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
cancellation or surrender, divided by the number of days between the prior and
the next Benefit Quarter Anniversaries. Thereafter, You will no longer be
charged a 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 elects to continue the Contract, this Endorsement is also continued. Upon
the election of continuation, the Endorsement Effective Date and applicable
Endorsement Fee based on two Covered Persons will not change.

Signed for the Company to be effective on the Endorsement Effective Date.

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

         /s/ Mary Jane Fortin
    -----------------------------
           MARY JANE FORTIN
              PRESIDENT

FSE-6248-V(10/11)

                                       7