Document:

EX-4.p

 Exhibit 4.p 

Fidelity & Guaranty Life Insurance Company 

SURRENDER CHARGE WAIVER RIDER – REQUIRED MINIMUM DISTRIBUTIONS 

 
  

This rider is a part of the Contract to which it is attached. It is subject to the terms, conditions, and provisions contained in the Contract. The
following provisions are added to the Contract. This rider will supersede any conflicting provisions of the Contract. 
 RIDER OVERVIEW 

WHEN IS THIS RIDER EFFECTIVE? 
 The rider effective date is
the Issue Date. 
 WHAT BENEFIT DOES THIS RIDER PROVIDE? 

Subject to the terms and qualification criteria outlined in this rider, Surrender Charges may be waived on Required Minimum Distributions required under the
Code, subject to the limitations below; this waiver is in lieu of, and not in addition to, any other Surrender Charge waiver available under Your Contract, including those attached by rider and/or endorsement. 

RIDER DEFINITIONS 
 CALENDAR YEAR 

For purposes of this rider, Calendar Year begins on January 1st and ends on the last available date that
You may withdraw the distribution as required by the Code. 
 WHAT IS A REQUIRED MINIMUM DISTRIBUTION? 

Required Minimum Distribution means any Withdrawal required under Section 401(a)(9), or similar rule, of the Code for a Qualified Contract. 

SURRENDER CHARGE WAIVER REQUEST 
 WHAT DOCUMENTATION IS
REQUIRED TO REQUEST THE SURRENDER CHARGE WAIVER? 
 We will require a Written Request for the Surrender Charge waiver. Written Request must include Your
election of either a single lump-sum payment or systematic payments. 
 WHAT QUALIFICATIONS MUST BE MET TO
REQUEST THE SURRENDER CHARGE WAIVER? 
 Surrender Charges may be waived upon receipt of Written Request for this benefit if all the following
qualification criteria are met: 
  

	 	•	 	 The Contract is a Qualified Contract. 

 

	 	•	 	 The Owner is subject to Required Minimum Distributions required under the Code. 

 

	 	•	 	 Written Request is received at Our Home Office. 

CAN THE REQUEST FOR SURRENDER CHARGE WAIVER BE DENIED AND WHAT HAPPENS IF IT IS DENIED? 

No; the request cannot be denied if you meet the above qualifications. However, If the Required Minimum Distribution Amount exceeds the total Free Withdrawal
Amount available under Your Contract during a Contract Year, We reserve the right to defer payment of the excess amount until the next Contract Year, provided the next Contract Year begins before the end of the Calendar Year. 

REQUIRED MINIMUM DISTRIBUTION AMOUNT 
 WHAT IS THE
REQURIED MINIMUM DISTRIBUTION AMOUNT? 
 Under Your base Contract, Surrender Charges are assessed on Withdrawals and Surrender. The Required Minimum
Distribution Amount provided by this rider is the amount that may be withdrawn during a Calendar Year without incurring a Surrender Charge. 
 HOW IS THE
REQUIRED MINIMUM DISTRIBUTION AMOUNT CALCULATED? 
 The Required Minimum Distribution Amount is determined: 

 

	 	•	 	 annually based on the fair market value of the Contract on December 31st occurring immediately prior to the beginning of the current Calendar Year; 

  

	 	•	 	 in accordance with applicable Code and regulations thereunder; and 

 

	 	•	 	 as if this Contract were the only retirement plan or account. 

If Your Contract was issued after December 31st occurring immediately prior to the current Calendar Year,
then the fair market value of Your Contract on that date is zero and the resulting Required Distribution Amount for the current Calendar Year is also zero. 

  
 [1] 

RILA-SCWR-RMD (05-22) 

 Fidelity & Guaranty Life Insurance Company 

SURRENDER CHARGE WAIVER RIDER – REQUIRED MINIMUM DISTRIBUTIONS (CONTINUED) 

 
  

 IS THE REQUIRED MINIMUM DISTRIBUTION REDUCED FOR PRIOR WITHDRAWALS? 

Yes; the Required Minimum Distribution Amount is reduced for all prior Withdrawals taken during the Calendar Year; only the remaining Required Minimum
Distribution Amount may be withdrawn without application of Surrender Charges. 
 CAN MULTIPLE REQUIRED MINIMUM DISTRIBUTIONS BE WITHDRAWN IN THE SAME
CONTRACT YEAR? 
 No; only one Required Minimum Distribution as defined by the Code may be withdrawn during a single Contract Year. 

CAN THE REQUIRED MINIMUM DISTRIBUTION AMOUNT BE CARRIED OVER? 

No; the Required Minimum Distribution Amount is noncumulative; any unused amount is not carried over to any subsequent Calendar Years. 

CAN A WITHDRAWAL EXCEED THE REQUIRED MINIMUM DISTRIBUTION AMOUNT? 

Yes, Withdrawals can be made in any amount, subject to the limitations of Your Contract. Any portion of a Withdrawal in excess of the Required Minimum
Distribution Amount will be subject to any applicable Surrender Charge. 
 GENERAL PROVISIONS 

IS THIS RIDER PARTICIPATING AND DOES IT PROVIDE FOR PAYMENT OF DIVIDENDS? 

No; this rider is not participating and dividends are not payable. 

IS THERE A CHARGE FOR THIS RIDER? 
 No; there is no
explicit charge deducted from your Account Value for this rider. 
 WHEN DOES THIS RIDER TERMINATE? 

The rider will terminate when the Contract terminates. Termination shall not prejudice the waiver of any Surrender Charges while the rider was in force. 

Signed for the Company. 
 Fidelity & Guaranty
Life Insurance Company 
  

	
	 [

	 Chris
Blunt                                        
            ]

	 President

  
 [2] 

RILA-SCWR-RMD (05-22)EX-4.q

 Exhibit 4.q 

Fidelity & Guaranty Life Insurance Company 

SURRENDER CHARGE WAIVER RIDER – TERMINAL ILLNESS 

 
  

This rider is a part of the Contract to which it is attached. It is subject to the terms, conditions, and provisions contained in the Contract. The
following provisions are added to the Contract. This rider will supersede any conflicting provisions of the Contract. 
 RIDER SPECIFICATIONS TABLE

  

			
	Terminal Illness Qualifying Life	  	[Owner(s)]
	Terminal Illness Life Expectancy	  	[12] months
	Terminal Illness Ineligibility Period	  	[[1] Contract Year]

 RIDER OVERVIEW 
 WHEN
IS THIS RIDER EFFECTIVE? 
 The rider effective date is the Issue Date. 

WHAT BENEFIT DOES THIS RIDER PROVIDE? 
 Subject to the
terms and qualification criteria outlined in this rider, any applicable Surrender Charges may be waived on Withdrawal and Surrender if the Terminal Illness Qualifying Life is diagnosed with a Terminal Illness; this waiver is in lieu of, and not in
addition to, any other Surrender Charge waiver available under Your Contract, including those attached by rider and/or endorsement. 
 When this waiver is
available and applied, the Contract’s Account Value will not include application of a Surrender Charge. 
 RIDER SPECIFICATIONS 

WHAT SPECIFICATIONS APPLY TO THIS SURRENDER CHARGE WAIVER? 

This rider uses a Terminal Illness Qualifying Life, Terminal Illness Life Expectancy, and Terminal Illness Ineligibility Period. 

WHERE ARE THE SPECIFICATIONS LOCATED FOR THIS SURRENDER CHARGE WAIVER? 

All specifications applicable under this rider are shown in the Rider Specifications Table. 

WHICH SPECIFICATIONS ARE GUARANTEED? 
 All specifications
under this rider are guaranteed, including Terminal Illness Qualifying Life, Terminal Illness Life Expectancy, and Terminal Illness Ineligibility Period. These specifications are set on the rider effective date and will not change. 

WHICH SPECIFICATIONS ARE NOT GUARANTEED AND ARE SUBJECT TO CHANGE? 

All specifications applicable under this rider are guaranteed. However, the person(s) considered the Terminal Illness Qualifying Life may change due to
underlying changes in Your base Contract. For example, if the Terminal Illness Qualifying Life is Owner(s) and a change in Owner occurs, then qualification after the change is based on the new Owner(s). Similarly, if the Terminal Illness Qualifying
Life is Annuitant(s) and a change in Annuitant occurs, then qualification after the change is based on the new Annuitant(s). 
 Any change to Owner(s) or
Annuitant(s) is subject to the limitations of Your base Contract. If the Terminal Illness Qualifying Life is Owner(s), then in the case of Non-Natural Owners, the Terminal Illness Qualifying Life shall be any
Annuitant(s). 
 RIDER DEFINITIONS 
 PHYSICIAN

 Physician means a doctor of medicine who is: 
  

	 	•	 	 Duly qualified; 

  

	 	•	 	 Licensed in the United States of America; and 

 

	 	•	 	 Performing within the scope of his or her license. 

A Physician must not be: You; the Annuitant; or the brother, sister, parent, Spouse, or child of either You or the Annuitant or any spouse of the above. 

TERMINAL ILLNESS 
 Terminal Illness means illness or
physical condition that results in the Terminal Illness Qualifying Life having a life expectancy which does not exceed the Terminal Illness Life Expectancy. The Terminal Illness Life Expectancy is shown in the Rider Specifications Table. Terminal
Illness must be certified by a licensed Physician. 

  
 [1] 

RILA-SCWR-TI (05-22) 

 Fidelity & Guaranty Life Insurance Company 

SURRENDER CHARGE WAIVER RIDER – TERMINAL ILLNESS (CONTINUED) 

 
  

 TERMINAL ILLNESS QUALIFYING LIFE 

Terminal Illness Qualifying Life means the person or persons whose Terminal Illness diagnosis may result in qualification to utilize the Surrender Charge
waiver, assuming all other qualifications outlined in this rider are met. Terminal Illness Qualifying Life is shown in the Rider Specifications Table. 

WRITTEN PROOF OF TERMINAL ILLNESS 
 Written Proof of
Terminal Illness includes, but is not limited to, certification by a Physician who provides medical care to the Terminal Illness Qualifying Life in connection with their Terminal Illness. 

SURRENDER CHARGE WAIVER REQUEST 
 WHAT DOCUMENTATION IS
REQUIRED TO REQUEST THE SURRENDER CHARGE WAIVER? 
 We will require a Written Request for the Waiver of Surrender Charge Benefit. Written Request must be
accompanied by Written Proof of Terminal Illness. 
 We reserve the right to obtain a second medical certification, at Our expense, from a Physician
selected by Us. In the case of conflicting opinions, qualification for the Surrender Charge waiver shall be determined by a third medical opinion by a Physician that is mutually acceptable to You and Us. Any third opinion will be made at Our
expense. 
 WHAT QUALIFICATIONS MUST BE MET TO REQUEST THE SURRENDER CHARGE WAIVER? 

Surrender Charges may be waived upon receipt of Written Request for this benefit if all the following qualification criteria are met: 

 

	 	•	 	 The Terminal Illness Qualifying Life is diagnosed with a Terminal Illness. 

 

	 	•	 	 Waiver request occurs after the Terminal Illness Ineligibility Period has elapsed. The Terminal Illness
Ineligibility Period is shown in the Rider Specifications Table and measured from the rider effective date. The waiver is not available during the Terminal Illness Ineligibility Period. 

 

	 	•	 	 The Terminal Illness is diagnosed after the rider effective date. 

 

	 	•	 	 The Withdrawal or Surrender is made after the Terminal Illness Qualifying Life is diagnosed with a Terminal
Illness. 

  

	 	•	 	 Written Proof of Terminal Illness is received at Our Home Office. 

CAN THE REQUEST FOR SURRENDER CHARGE WAIVER BE DENIED AND WHAT HAPPENS IF IT IS DENIED? 

Yes; the request may be denied if any of the above qualification criteria are not met. If Your request is denied, Withdrawal or Surrender proceeds will not be
disbursed until You are notified of the denial and provided with the opportunity to accept or reject the proceeds including any Surrender Charge. 

GENERAL PROVISIONS 
 IS THIS RIDER PARTICIPATING AND
DOES IT PROVIDE FOR PAYMENT OF DIVIDENDS? 
 No; this Rider is not participating and dividends are not payable. 

IS THERE A CHARGE FOR THIS RIDER? 
 No; there is no
explicit charge deducted from your Account Value for this rider. 
 WHEN DOES THIS RIDER TERMINATE? 

The rider will terminate when the Contract terminates. Termination shall not prejudice the waiver of any Surrender Charges while the rider was in force. 

Signed for the Company. 
 Fidelity & Guaranty
Life Insurance Company 
  

	
	 [

	 Chris
Blunt                                        
            ]

	 President

  
 [2] 

RILA-SCWR-TI (05-22)

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