Document:

Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    	
            Insured:

          	
            [JOHN DOE]

          	
            Issue Age and Sex:

          	
            [35] [MALE]

          
	 
	
            Rate Class:

          	
            [STANDARD]

          
	 
	
            Owner:

          	
            [JANE DOE]

          

    

    

    	 	 
	 
	
            Initial Specified Amount:

          	
            $[100,000]

          	
            Policy Date:

          	
            [MARCH 1, 2021]

          
	
            Minimum Specified Amount:

          	
            $[25,000]

          	
            Date of Issue:

          	
            [MARCH 1, 2021]

          
	
            Monthly Anniversary Day:

          	
            [01]

          	 	 
	 	 	 	 
	
            Plan of Insurance:

          	
            INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ADJUSTABLE LIFE INSURANCE WITH LONG-TERM CARE BENEFITS

          

    

    

    	
            Separate Account:

          	
            [Lincoln Life Flexible Premium Variable Account M]

          

    

    

    

    

    	NOTE:	
            This Policy provides life insurance coverage to the death of the Insured if sufficient premiums are paid.  The duration of coverage will depend on
              the amount, timing, and frequency of premium payments, Premium Loads, interest credited, Cost of Insurance, Administrative Fees, investment performance of the Separate Account, any loans or partial surrenders, and the cost of additional
              benefits. The Planned Premium may need to be increased to keep this Policy and the coverage In Force.

          

    	 	 
	
            Premium Payments:

          	
            Planned Premium: $[8,000.00]

          
	 	
            Premiums may be accepted until the Insured’s Attained Age [121].

          
	 	
            Additional premium payments may vary by frequency or amount.

          
	
             

            Payment Mode:

          	
             

            [ANNUALLY]

          
	 
	 	 
	
            Minimum Additional Premium Payment Amount:

          	
            No premium payment may be less than $[200.00] Annually or $[15.00] if paid by electronic funds transfer.

          

    

    

    Annual Premium Limit:                             $[28,725]
      in Policy Year [4] and thereafter.

    

    

    Limit Single Premium:     $[94,005]

    

    

    Limit Level Premium:     $[9,575]

    	
             

            Beneficiary:

          	
             

            [As named in the application for this Policy, unless later changed.]

          

    

    

    	
            Guaranteed Minimum Fixed Account Interest Rate:

             

          	
            [1.00]% annual effective rate ([0.00272616]% daily).

          

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    	
            Minimum Specified Amount Increase:

          	
            $[1,000]

          
	 	 
	
            Maximum Attained Age for a Specified Amount Increase:

          	
            Increases in Specified Amount not allowed after the Insured reaches Attained Age [70].

          

    

    

    	
            Maximum Number of Specified Amount Increases per Policy Year:

          	
            [Increases not allowed] in Policy Year(s) [1]; and

            [1] in Policy Year [2] and thereafter.

          

    

    

    	
            Minimum Specified Amount Decrease:

          	
            $[1,000]

          
	 	 
	
            Maximum Number of Specified Amount Decreases per Policy Year:

          	
            [Decreases not allowed] in Policy Year(s) [1 and 2]; and

            [1] in Policy Year [3] and thereafter.

          

    

    

    	
            Loan Information

          	 
	 	 
	
            Minimum Loan Amount:

          	
            $[100.00]

          
	 	 
	
            Minimum Loan Repayment Amount:

          	
            $[25.00]

          
	 	 
	
            Loan Interest Rate Charged:

          	
            [3.00]% annual effective rate in all Policy Years.

          
	 	 
	
            Loan Account Credited Interest Rate:

          	
            [1.00]% annual effective rate ([0.00272616]% daily) in all Policy Years.

          

    

    

    	
            Partial Surrenders

          	 
	 	 
	
            Amount of Partial Surrenders:

          	
            Must be at least $[500.00]; and/or not more than an amount equal to the Surrender Value of this Policy as of the end of the Valuation Period ending on
              the Valuation Day on which the request is received in a form acceptable to us, minus $[500.00].

          
	
             

            Maximum Number of Partial Surrenders per Policy Year:

             

             

            Transfers

             

          	
             

            Partial surrender not allowed in the first Policy Month; and

            [1] per Policy Year beginning with the second Policy Month and thereafter.

          
	
            Minimum Transfer Amount:

          	
            $[50] or the entire value of the Fixed Account or Sub-Account being transferred, whichever is less.

          
	 	 
	
            Minimum Remaining Value of the Fixed Account or any Sub-Account(s) After a Transfer:

          	
            $100.00 unless the entire value of the Fixed Account or Sub-Account(s) is being transferred.

          
	 	 
	
            Limitation on Transfers from the Fixed Account:

          	
            Cannot exceed the greater of [25.00]% of the Fixed Account Value as of the immediately preceding Policy Anniversary.

          
	 	 
	
            Account(s) available from which to transfer funds for Dollar Cost Averaging:

          	
            [money market Sub-Account

            Fixed Account (may be elected at policy issue only)]

          

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    Riders and Benefits Charges

    

    

    Value Protection Rider

    

    

    Factors used in the No-Lapse Provisions:

    

    

    	
            Policy Year

          	
            Monthly Accumulation Factor

          	
            Monthly No-Lapse Premium

          
	
            [1 - 35

          	
            [1.00327374

          	
            $[352.98]

          
	
            36] and thereafter

          	
            1.00486756]

          	
            $0.00

          

    

    

    The Monthly No-Lapse Premium as of the Policy Date is shown above, and may change as described in the No-Lapse Provisions of the Value Protection Rider.

    

    

    Protected LTC Ratio: [0.5000000000]

    

    

    

    

    Long-Term Care Benefits Rider

    

    

    	
            Monthly LTC Charge Rate:

          	
            [1.04735]

          
	 	 
	
            Minimum LTC Duration:

          	
            [36] months

          
	 	 
	
            Initial LTC Benefit Limit:

          	
            $[150,000.12]

          
	 
	
            Initial Maximum Monthly LTC Benefit:

          	
            $[4,166.67]

          
	 
	
            Right to Purchase Optional Inflation Protection:

          	
            [ELECTED]

          
	 

    The Monthly LTC Charge Rate and Rider benefit limits as of the Policy Date are shown above, and may change as described in the Long-Term Care Benefits Rider.

    

    

    	
             

            Initial Market Benefit Floor:

          	
             

            $[75,000.00]

          
	 

    Market Benefit Multiplier:     [2]

    	 

    Market Benefit Divisor:     [50]

    

    

    

    

    

    

    Caregiver Training Benefit Limit:    $[500.00]

    

    

    

    

    To contact your Long-Term Care Claims Specialist, please call [800 487-1485].

    

    

    

    

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    Table of Surrender Charges

    

    

    See Surrender Provisions for an explanation of when this table will be used.

    

    

    	
            Policy Year

          	 	
            Surrender Charge as of Beginning of Policy Year

          
	 	 	 
	
            [1

          	 	
            $[2,057.00

          
	
            2

          	 	
            $1,983.00

          
	
            3

          	 	
            $1,906.00

          
	
            4

          	 	
            $1,826.00

          
	
            5

          	 	
            $1,743.00

          
	
            6

          	 	
            $1,657.00

          
	
            7

          	 	
            $1,568.00

          
	
            8

          	 	
            $1,475.00

          
	
            9

          	 	
            $1,378.00

          
	
            10

          	 	
            $1,277.00

          
	
            11

          	 	
            $1,172.00

          
	
            12

          	 	
            $1,062.00

          
	
            13

          	 	
              $948.00

          
	
            14

          	 	
              $829.00

          
	
            15

          	 	
              $704.00

          
	
            16

          	 	
              $575.00

          
	
            17

          	 	
              $440.00

          
	
            18

          	 	
              $299.00

          
	
            19

          	 	
              $153.00]

          
	
            20] and thereafter

          	 	
            $0.00

          

    

    

    

    

    Calculation of Surrender Charge for Decrease in Specified Amount

    For decreases in Specified Amount, including a decrease in Specified Amount resulting from a partial surrender but excluding full surrender of this Policy,
      the charge will be calculated as (1) multiplied by (2), where:

    

    

    
      	
              (1)

            	
              is the amount of the decrease; and

            

    

    
      	
              (2)

            	
              is the then applicable surrender charge from the Table of Surrender Charges shown above.

            

    

    

    

    

    

    See the “Surrender Charge for Full Surrender” provision for an explanation of the charge upon full surrender of this Policy.

    

    

    

    

    

    

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    Table of Expense Charges and Fees

    

    

    

    

    The following expenses and fees are charged under this Policy:

    

    

    Guaranteed Maximum Premium Load

    We will deduct a Premium Load from each premium payment. The Premium Load is calculated by multiplying each premium payment by the applicable percentage,
      which will not exceed the amount(s) shown below.  After the Insured’s Attained Age 121, no further premium payments may be made.

    

    

    [25.00]% for Policy Year(s) 1 and thereafter.

    

    

    Cost of Insurance

    See the “Cost of Insurance” provision. The Net Amount at Risk Discount Factor used in that provision is [1.00082954].

    

    

    Guaranteed Maximum Monthly Administrative Fee

    The Monthly Administrative Fee equals (1) plus (2), where:

    	
            (1) is a monthly charge of [0.329] per $1,000 of Initial Specified Amount for [240] Policy Months; and

            (2) is a monthly charge per $1,000 for any increase in Specified Amount for [240] Policy Months following the date of increase.

            The rate used to calculate the charges described in (1) and (2) above varies by the Insured’s sex and age (Issue Age for the charges in (1) or
              Attained Age on the date of the increase for the charges in (2)).

          

    

    

    Guaranteed Maximum M&E and Asset Charge Rate

    [0.105]% monthly in Policy Years [[1-10];

    [0.045]% monthly in Policy Years [11]] and thereafter until the Insured’s Attained Age 121.

    

    

    Transfer Fee

    $[25.00] per transfer request for each transfer request in excess of [24] during any Policy Year.

    

    

    Guaranteed Maximum Partial Surrender Fee: $[150.00]

    

    

    

    

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    Table of Guaranteed Maximum Cost of Insurance Rates

    

    

    The monthly Cost of Insurance rates per $1,000 of net amount at risk vary by the Insured’s sex, Issue  Age and the Policy Year, but will not exceed the rates
      shown in the table below in accordance with the [Ultimate 2017 CSO, Male/Female, Composite Tobacco, Age Last Birthday] mortality table.

    

    

    	
            Policy

            Year

          	 	
            Monthly

            Rate

          	 	
            Policy

            Year

          	 	
            Monthly

            Rate

          	 	
            Policy

            Year

          	 	
            Monthly

            Rate

          
	 	 	 	 	 	 	 	 	 	 	 
	
            [1

          	 	
            0.11758

          	 	
            31

          	 	
            0.93648

          	 	
            61

          	 	
            24.21720

          
	
            2

          	 	
            0.12842

          	 	
            32

          	 	
            1.03082

          	 	
            62

          	 	
            26.25159

          
	
            3

          	 	
            0.14094

          	 	
            33

          	 	
            1.13202

          	 	
            63

          	 	
            28.51121

          
	
            4

          	 	
            0.15263

          	 	
            34

          	 	
            1.24347

          	 	
            64

          	 	
            31.02914

          
	
            5

          	 	
            0.16515

          	 	
            35

          	 	
            1.37197

          	 	
            65

          	 	
            33.77547

          
	
            6

          	 	
            0.17767

          	 	
            36

          	 	
            1.52184

          	 	
            66

          	 	
            36.61924

          
	
            7

          	 	
            0.18936

          	 	
            37

          	 	
            1.69912

          	 	
            67

          	 	
            39.44941

          
	
            8

          	 	
            0.19939

          	 	
            38

          	 	
            1.90568

          	 	
            68

          	 	
            42.34621

          
	
            9

          	 	
            0.20356

          	 	
            39

          	 	
            2.14001

          	 	
            69

          	 	
            45.25809

          
	
            10

          	 	
            0.20941

          	 	
            40

          	 	
            2.40147

          	 	
            70

          	 	
            48.12900

          
	
            11

          	 	
            0.21442

          	 	
            41

          	 	
            2.68599

          	 	
            71

          	 	
            50.89244

          
	
            12

          	 	
            0.22027

          	 	
            42

          	 	
            2.99295

          	 	
            72

          	 	
            53.99864

          
	
            13

          	 	
            0.22611

          	 	
            43

          	 	
            3.32601

          	 	
            73

          	 	
            58.09567

          
	
            14

          	 	
            0.23113

          	 	
            44

          	 	
            3.69588

          	 	
            74

          	 	
            62.62918

          
	
            15

          	 	
            0.23948

          	 	
            45

          	 	
            4.11521

          	 	
            75

          	 	
            67.67469

          
	
            16

          	 	
            0.25118

          	 	
            46

          	 	
            4.59696

          	 	
            76

          	 	
            73.32811

          
	
            17

          	 	
            0.26622

          	 	
            47

          	 	
            5.14125

          	 	
            77

          	 	
            79.71406

          
	
            18

          	 	
            0.28294

          	 	
            48

          	 	
            5.78293

          	 	
            78

          	 	
            80.11620

          
	
            19

          	 	
            0.30300

          	 	
            49

          	 	
            6.55095

          	 	
            79

          	 	
            80.51834

          
	
            20

          	 	
            0.32558

          	 	
            50

          	 	
            7.44129

          	 	
            80

          	 	
            80.92048

          
	
            21

          	 	
            0.35235

          	 	
            51

          	 	
            8.47400

          	 	
            81

          	 	
            81.32262

          
	
            22

          	 	
            0.38247

          	 	
            52

          	 	
            9.66230

          	 	
            82

          	 	
            81.72477

          
	
            23

          	 	
            0.41762

          	 	
            53

          	 	
            11.01321

          	 	
            83

          	 	
            82.12691

          
	
            24

          	 	
            0.45782

          	 	
            54

          	 	
            12.50715

          	 	
            84

          	 	
            82.52905

          
	
            25

          	 	
            0.50473

          	 	
            55

          	 	
            14.11597

          	 	
            85

          	 	
            82.93119

          
	
            26

          	 	
            0.55754

          	 	
            56

          	 	
            15.80879

          	 	
            86

          	 	
            83.33333

          
	
            27

          	 	
            0.61877

          	 	
            57

          	 	
            17.53629

          	 	
            87 and

          	 	
            0.00000]

          
	
            28

          	 	
            0.68759

          	 	
            58

          	 	
            19.27103

          	 	
            later

          	 	 
	
            29

          	 	
            0.76488

          	 	
            59

          	 	
            20.96545

          	 	 	 	 
	
            30

          	 	
            0.84811

          	 	
            60

          	 	
            22.53736

          	 	 	 	 

    

    

    
      
        

    

    Policy Specifications

    

    

    Policy Number [SPECIMEN]

    

    

    Corridor Percentages Table

    

    

    Death Benefit Qualification Test: Cash Value Accumulation Test

    

    

    See the “Death Benefit Proceeds” provision and “Income Tax on Death Benefits” provision for an explanation of how this table will be used.

    

    

    	
            Insured’s Attained

            Age

          	
            Corridor

            Percentage

          	 	
            Insured’s Attained

            Age

          	
            Corridor

            Percentage

          
	 	 	 	 	 	 
	 	
            [35

          	
            527%

          	 	
            70

          	
            176%

          
	 	
            36

          	
            509%

          	 	
            71

          	
            171%

          
	 	
            37

          	
            493%

          	 	
            72

          	
            167%

          
	 	
            38

          	
            477%

          	 	
            73

          	
            163%

          
	 	
            39

          	
            462%

          	 	
            74

          	
            159%

          
	 	 	 	 	 	 
	 	
            40

          	
            447%

          	 	
            75

          	
            155%

          
	 	
            41

          	
            433%

          	 	
            76

          	
            152%

          
	 	
            42

          	
            419%

          	 	
            77

          	
            148%

          
	 	
            43

          	
            406%

          	 	
            78

          	
            145%

          
	 	
            44

          	
            393%

          	 	
            79

          	
            142%

          
	 	 	 	 	 	 
	 	
            45

          	
            381%

          	 	
            80

          	
            139%

          
	 	
            46

          	
            369%

          	 	
            81

          	
            136%

          
	 	
            47

          	
            357%

          	 	
            82

          	
            134%

          
	 	
            48

          	
            345%

          	 	
            83

          	
            131%

          
	 	
            49

          	
            334%

          	 	
            84

          	
            129%

          
	 	 	 	 	 	 
	 	
            50

          	
            323%

          	 	
            85

          	
            127%

          
	 	
            51

          	
            313%

          	 	
            86

          	
            125%

          
	 	
            52

          	
            303%

          	 	
            87

          	
            123%

          
	 	
            53

          	
            293%

          	 	
            88

          	
            121%

          
	 	
            54

          	
            284%

          	 	
            89

          	
            120%

          
	 	 	 	 	 	 
	 	
            55

          	
            275%

          	 	
            90

          	
            118%

          
	 	
            56

          	
            266%

          	 	
            91

          	
            117%

          
	 	
            57

          	
            258%

          	 	
            92

          	
            116%

          
	 	
            58

          	
            250%

          	 	
            93

          	
            115%

          
	 	
            59

          	
            242%

          	 	
            94

          	
            114%

          
	 	 	 	 	 	 
	 	
            60

          	
            235%

          	 	
            95

          	
            112%

          
	 	
            61

          	
            227%

          	 	
            96

          	
            111%

          
	 	
            62

          	
            221%

          	 	
            97

          	
            109%

          
	 	
            63

          	
            214%

          	 	
            98

          	
            107%

          
	 	
            64

          	
            208%

          	 	
            99

          	
            104%

          
	 	 	 	 	 	 
	 	
            65

          	
            202%

          	 	
            100

          	
            100%]

          
	 	
            66

          	
            196%

          	 	
            and later

          	 
	 	
            67

          	
            191%

          	 	 	 
	 	
            68

          	
            186%

          	 	 	 
	 	
            69

          	
            181%

          	 	 	 

    

    

    
      
        

    

    (This Page Left Blank Intentionally)The Lincoln National Life Insurance Company

    Long-Term Care Benefits Rider

    This Long-Term Care Benefits Rider
        (“Rider”) is a long-term care insurance rider that provides benefits for the following categories of Qualified Long-Term Care Services as described in the “Covered Services” section of this Rider: Home and Community Based Services, Facility
        Services, and Other Covered Services. All Covered Services are subject to the terms and conditions of this Rider.

    This Rider is a part of the Policy to which it is attached (the “Policy”). The effective date of this Rider is the Policy Date.  Except as
      provided below, this Rider is subject to the terms and conditions of the Policy. We agree to provide the benefits described in this Rider for Qualified Long-Term Care Services received by the Insured in accordance with all the terms and conditions of this Rider.

    Benefits under this Rider are first paid by accelerating both the Policy’s Specified Amount and Accumulation Value until the Specified
      Amount and Accumulation Value have both been reduced to zero, as described in the “Impact of Rider on Policy” section. The LTC Benefit Limit and Maximum
        Monthly LTC Benefit available under this Rider may increase or decrease, as described in this Rider. However, unless you have requested a decrease in the Policy’s Specified Amount or a partial surrender (i.e. withdrawal) under the Policy, the LTC
        Benefit Limit will never be less than the Initial LTC Benefit Limit shown in the Policy Specifications minus the sum of any benefits paid under this Rider, and the Maximum Monthly LTC Benefit but will never be less than the Initial Maximum Monthly
        LTC Benefit shown in the Policy Specifications. Certain values under your Policy will be reduced if you receive benefits under this Rider, as described in the “Impact of Rider on Policy” section. READ YOUR POLICY AND RIDERS CAREFULLY AND IN
      THEIR ENTIRETY.

    30 Day Right to Examine this Rider   You
      may return this Rider for any reason to the insurance agent through whom it was purchased, to any other insurance agent of the Company, or to us at the Administrator Mailing Address shown on the cover of your Policy within 30 days after its receipt. 
      If returned, this Rider will be considered void from the Policy Date and we will refund all charges deducted for this Rider as a credit to the Policy within 30 days of the return.

    Taxation   This Rider is intended to be a qualified long-term care insurance policy under Section 7702B(b) of the
      Internal Revenue Code of 1986, as amended.

    CAUTION   The issuance of this Rider is based on the responses to the questions on your application for this Rider and
      the Policy to which it is attached.  A copy of your application is attached to your Policy.  If any answers in your application are incorrect or untrue, we have the right to deny benefits or rescind this Rider.  The best time to clear up any
      questions as to the accuracy of any answers in your application is now, before a claim arises.  If, for any reason, any answers are incorrect, contact us at the Administrator Mailing Address shown on the cover of your Policy.

    NOTICE TO OWNER   This Rider may not cover all of the costs associated with long-term care incurred by the Insured
      during the period of coverage.  The Owner is advised to carefully review all Policy and Rider limitations. THIS RIDER IS NOT A MEDICARE SUPPLEMENT PRODUCT.

    Renewability   This Rider is
      non-cancelable.  We cannot change any of the terms of this Rider on our own and cannot increase the Monthly LTC Charge Rate shown in the Policy Specifications that is used to calculate the Monthly Rider Charge. This Rider will remain In Force for as
      long as the Policy remains In Force, subject to the “Termination of Rider” and “Incontestability” provisions.

    There is no deductible period or elimination period which must be satisfied in order to be eligible for benefits under this Rider.

    
      
        

    

    

    

    

    

    Table of Contents

    Provision Page

    Definitions 3

    Rider Charge 8

    Monthly Deduction; Monthly Rider Charge; Monthly LTC Charge Rate

    Limitations or Conditions on Eligibility for Benefits 9

    Benefit Conditions

    Determination of Rider Benefits 9

    LTC Benefit Limit; Maximum Monthly LTC Benefit; Base LTC Limit Value; Base Maximum Monthly LTC Value; Market LTC Limit Value; Market
      Maximum Monthly LTC Value; Benefits While on Claim

    Long-Term Care Benefits 11

    Benefits Available; [Flexible Care Cash] Benefits; International Benefits; Right to Purchase Optional Inflation Protection

    Covered Services 13

    

    

    PART I: Home and Community-Based Services

    Home Health Care Services; Adult Day Care Services; Caregiver Training

    

    

    PART II: Facility Services

    Assisted Living Facility Services; Nursing Home Care Services; Bed Reservation

    

    

    PART III: Other Covered Services

    Care Planning Services; Hospice Services; Respite Care Services; Alternative Care Services; Non-Continual Services

    General Exclusions and Limitations 15

    Impact of Policy Transactions on Rider Benefits 16

    Increases in Policy Specified Amount; Decreases in Policy Specified Amount

    Impact of Debt on Benefit Payments 16

    Reduction of Benefit Payments Due to Debt

    Impact of Rider on Policy 16

    Monthly Deduction; Additional Premiums; Automatic Transfer to Fixed Account While on Claim; Impact of Benefit Payments on Specified Amount;
      Impact of Benefit Payments on Policy Values; Restriction on Specified Amount Increases; Residual Death Benefit; Availability of Policy Death Benefit Proceeds

    Lapse and Lapse Protection 17

    Grace Period; Benefits After Lapse; Nonforfeiture Benefit; Reinstatement of Rider

    Claims 18

    Assistance with Making a Claim; Start the Process; Claim Forms and Other Information; Evaluation of Claim; Proof of Loss; Payment of
      Claims; Claim Review and Appeal; Transition Off Claim; Legal Actions

    General Rider Information 20

    Termination of Rider; Misstatement of Age or Sex; Incontestability; Suicide; Pre-Existing Conditions Not Excluded; Conformity with State
      Statutes; Conformity with Federal Statutes; Right to Recovery

    

    

    
      
        

    

    Definitions

    This Rider uses terms found in the Policy.  Those terms have the same meaning as in the Policy unless we have indicated a change.  This Rider
      also contains terms that are not used in the Policy.  Such terms may be defined within the sentences where they appear or may be found in the “Definitions” section below.

    Activities of Daily Living   The 6
      Activities of Daily Living are:

    	a.	
            Bathing:  The Insured’s ability to wash himself or herself in a
              tub or shower (including the task of getting into or out of the tub or shower), or else to wash himself or herself by sponge bath.

          

    	b.	
            Continence:  The Insured’s ability to maintain control of bowel
              and bladder function; or, when unable to maintain control of bowel or bladder function, the Insured’s ability to perform associated personal hygiene (including caring for a catheter or colostomy bag).

          

    	c.	
            Dressing:  The Insured’s ability to put on and take off all
              essential items of clothing and any necessary braces, fasteners or artificial limbs.

          

    	d.	
            Eating:  The Insured’s ability to feed himself or herself by
              getting food into the body from a receptacle (such as a plate, cup, or table) or by a feeding tube or intravenously.

          

    	e.	
            Toileting:  The Insured’s ability to get to and from the toilet,
              get on and off the toilet, and perform personal hygiene associated with the use of the toilet.

          

    	f.	
            Transferring:  The Insured’s ability to get into or out of a
              typical bed, chair, or wheelchair.

          

    Assisted Living Facility   A
      facility, or a distinctly separate section of a facility, that is licensed or certified to operate as an Assisted Living Facility under the laws of the state or jurisdiction in which it is located and provides care for Chronically Ill individuals in
      exchange for monetary compensation.  If the state or jurisdiction in which the facility operates does not license or certify Assisted Living Facilities, then the facility must meet all of the following criteria in order to qualify as an Assisted Living Facility under this Rider:

    
      	
              a.

            	
              it must maintain daily records of all care and services provided to each Chronically Ill resident, including the Insured, who
                must be admitted and a full-time resident of the facility;

            

    

    
      	
              b.

            	
              it must provide room, board, housekeeping, linens, laundry, and all of the services required to support the personal,
                residential and safety needs of its residents;

            

    

    
      	
              c.

            	
              it must be in the business of providing, and must actually provide, Substantial Assistance and Substantial Supervision to its
                residents in a custodial setting;

            

    

    
      	
              d.

            	
              it must provide care to the Insured under the direction of a licensed physician and pursuant to the Insured’s Plan of Care;

            

    

    
      	
              e.

            	
              it must provide care to at least 10 full-time residents, including the Insured;

            

    

    
      	
              f.

            	
              it must have full-time on-site staff capable of providing care 24 hours per day, 7 days per week;

            

    

    
      	
              g.

            	
              it must have formal written procedures for obtaining appropriate aid in the event of a medical emergency; and

            

    

    
      	
              h.

            	
              it must have a formal arrangement for the services of a licensed physician.

            

    

    In Connecticut, a managed residential community which provides residents with Assisted Living Facility Services from a licensed assisted
      living service agency and which meets all of the criteria above will qualify as an Assisted Living Facility under this Rider.

    An Assisted Living Facility is not:
      a hospital (including sub-acute care and rehabilitation hospital); a clinic; a facility operated primarily for the treatment of alcoholism, drug addiction, or Mental or Nervous Disorders; a Nursing Home; an independent living facility or unit,
      including an independent living unit in a managed residential community; a hospice; the Insured’s or any other individual’s Home; or any other facility or residential setting, except as specifically described in the criteria above, that caters to or
      exists for the purpose of providing or facilitating care for elderly, or physically infirm or mentally impaired individuals, in exchange for monetary compensation, whether such facility or setting is licensed or unlicensed.

    If a facility has multiple licenses, a portion, wing, ward or unit of such facility will qualify as an Assisted Living Facility under this
      Rider only if it is primarily engaged in providing care and services that meet all of the criteria stated above and the Insured is confined to such portion, wing, ward or unit of the facility.

    Assistive Device   An “Assistive
      Device” is a device that enables a person to perform an Activity of Daily Living that they otherwise would not be able to perform independently. Some examples of Assistive Devices include a walker, transfer chair, and grab bars.

    
      
        

    

    

    

    Base LTC Limit Value   A reference
      value calculated based on the Policy’s Specified Amount that is used to determine the LTC Benefit Limit under this Rider. On the Policy Date, the Base LTC Limit Value is equal to the Initial LTC Benefit Limit shown in the Policy Specifications.

    Base Maximum Monthly LTC Value   A
      reference value calculated based on the Policy’s Specified Amount that is used to determine the Maximum Monthly LTC Benefit under this Rider. On the Policy Date, the Base Maximum Monthly LTC Value is equal to the Initial Maximum Monthly LTC Benefit
      shown in the Policy Specifications.

    Care Planning Agency   An agency
      or organization which is primarily engaged in providing care planning on behalf of its clients.  The agency or organization must be licensed as a Care Planning Agency by the appropriate licensing agency in the state or jurisdiction in which care is
      to be received, if the state or jurisdiction licenses such agencies.  If the state or jurisdiction does not license Care Planning Agencies, then the agency must meet all of the following criteria in order to qualify as a Care Planning Agency under this Rider:

    	a.	
            it must operate at least 5 days per week for a minimum of 8 hours per day;

          

    	b.	
            it must have an employee on call to provide emergency care planning assistance during non-operating hours;

          

    	c.	
            it must have at least one full-time nurse and one full-time social worker on staff; and

          

    	d.	
            it must maintain a daily written record for each client of all services provided.

          

    Chronically Ill (Chronic Illness)   A
      state of health where the Insured:

    	a.	
            is unable to perform, without Substantial Assistance from another individual, at least 2 Activities of Daily Living:

          

    1. for a period of at least 90 days; and

    2. as a result of loss of functional capacity; or

    	b.	
            requires Substantial Supervision to protect the Insured from threats to health and safety caused by a Severe Cognitive Impairment.

          

    The term “Chronically Ill” shall not include an Insured who otherwise meets the requirements stated above unless, within the preceding 12
      month period, a Licensed Health Care Practitioner has certified that the Insured meets the requirements of this provision.

    With respect to the definition of Chronically Ill, the Insured shall be deemed to be capable of performing an Activity of Daily Living
      without Substantial Assistance if the Insured can perform the Activity of Daily Living while using an Assistive Device.

    Covered Services   The Qualified
      Long-Term Care Services that are covered by this Rider.  These services are listed in the “Covered Services” section of this Rider. Covered Services must be necessary and appropriate to the care needs of the Chronically Ill Insured and must be
      tailored to specifically address those care needs.

    A Covered Service must meet the following criteria to be considered necessary and appropriate:

    
      	
              a.

            	
              it must be required in order for the Insured to perform the Activity of Daily Living or protect the Insured’s health or safety due
                to a Severe Cognitive Impairment; and

            

    

    
      	
              b.

            	
              it must be consistent with the needs of a Chronically Ill Insured with a condition corresponding to that of the Insured.

            

    

    Services provided solely for the comfort or convenience of the Chronically Ill Insured are not Covered Services under this Rider.

    Hands-on Assistance   Physical
      assistance by another person without which the Insured would be unable to perform an Activity of Daily Living.

    Home   The location where the
      Insured maintains a permanent, physical address. We reserve the right to request documentation that confirms the physical address. Such documentation may include, but is not limited to, a request for a utility or other household bill. “Home” does not mean: a Nursing Home; an Assisted Living Facility; a hospital or rehabilitation facility; a facility for the treatment of alcoholism or drug
      addiction;  any other facility or institutional setting where the Insured is dependent on others for Substantial Assistance with the Activities of Daily Living or Substantial Supervision due to a Severe Cognitive Impairment; or the home of a person
      providing homemaker services or Home Health Care to the Insured, regardless of whether or not the person is an Immediate Family Member.

    In Connecticut, for purposes of this Rider, “Home” includes a managed residential community which provides residents with services from a
      licensed assisted living service agency but which does not meet the requirements for qualifying as an Assisted Living Facility as defined in this Rider.

    

    

    
      
        

    

    

    

    Home Health Care   Qualified
      Long-Term Care Services covered by this Rider which are provided to a Chronically Ill individual in his or her Home in exchange for monetary compensation, including: professional nursing care by or under the supervision of a registered nurse or other
      licensed nurse; care by a certified home health aide; and therapeutic care services by an occupational, physical or respiratory therapist licensed or certified under the laws of the state or jurisdiction in which care is received.

    Home Health Care Agency   An
      entity that is in the business of providing Home Health Care. The entity must meet at least one of the following three criteria in order to qualify as a Home Health Care Agency under this Rider:

    	a.	
            it must be licensed or certified as a Home Health Care Agency in the state or jurisdiction in which Home Health Care Services are provided to the Chronically Ill
              Insured;

          

    	b.	
            it must be accredited as a Home Health Care Agency or as a provider of Home Health Care by the National League of Nursing, American Public Health Association, or Joint
              Commission on Accreditation of Health Care Organizations or a successor organization; or

          

    	c.	
            it must be certified by Medicare as a Home Health Care Agency.

          

    If an entity does not meet one or more of the three criteria described above, it will still qualify as a Home Health Care Agency under
      this Rider provided all of the following conditions are satisfied:

    	a.	
            the entity and the Insured’s individual care provider must both be primarily engaged in the business of providing Home Health Care in exchange for monetary
              compensation;

          

    	b.	
            the Insured’s individual care provider must have an ongoing, regular and formal business relationship with the entity, such as that of employee or independent
              contractor;

          

    	c.	
            the Insured’s individual care provider must be licensed or certified as one of the following in the state or jurisdiction in which care is provided:

          

    1. registered nurse;

    2. licensed practical nurse;

    3. licensed vocational nurse;

    4. occupational therapist;

    5. physical therapist;

    6. licensed or certified social worker;

    7. certified home health aide; or

    8. certified nursing assistant;

    	d.	
            the entity must maintain daily records of all services provided to the Insured;

          

    	e.	
            the Insured’s individual care provider must have appropriate training and experience to provide the care prescribed in the Insured’s Plan of Care; and

          

    	f.	
            the entity and the Insured’s individual care provider must provide care under formal, written policies and procedures which are developed, reviewed and executed by a
              group of Licensed Health Care Practitioners and other professionals, including at least one licensed physician and one licensed nurse.

          

    Immediate
        Family Member   “Immediate Family Member” means:

    	a.	
            the Owner;

          

    	b.	
            the Insured;

          

    	c.	
            the children, grandchildren, brothers, sisters, aunts, uncles, nieces, nephews, step-relatives, and parents of the Insured or the Owner;

          

    	d.	
            a person who shares living expenses with any of the above; or

          

    	e.	
            the Spouse of any of the forgoing individuals, if not already listed above.

          

    For purposes of this Rider, “Spouse” means the legally married spouse, or the partner in a civil union, domestic partnership, or common
      law marriage, as recognized by laws of the State of Issue or the state in which care is received.

    

    

    

    

    

    

    
      
        

    

    

    

    In Writing, Written   This term
      means a written form of communication satisfactory to us and received at our Administrator Mailing Address. We retain the right to agree in advance to accept communication by telephone or some other form of transmission, in a manner we prescribe, and
      doing so does not waive our right to require that future communications be in written form. Before we receive your communication at our Administrator Mailing Address, we will not be responsible for any action we take or allow that conflicts with your
      communication.  With respect to any written communication from us to you or any other person, this term means a written form of communication by ordinary mail to such person at the most recent address in our records. If agreed to in advance by you,
      we may also send communication to you by some other form of transmission.

    Any notice, election or request required or permitted under the terms of the Policy stated as “Notice”, “Request” or “Election” are
      communications required to be In Writing as provided by this definition.

    Informal Caregiver   A person who
      is not employed by a Home Health Care Agency who provides Qualified Long-Term Care Services to the Insured while the Insured is residing in their Home. Such services must be prescribed in the Plan of Care by a Licensed Health Care Practitioner in
      accordance with the “[Flexible Care Cash] Benefits” provision.

    Initial LTC Benefit Limit   The
      benefit amount available under this Rider on the Policy Date. The Initial LTC Benefit Limit is shown in the Policy Specifications.

    Initial Maximum Monthly LTC Benefit   The
      maximum benefit amount available each calendar month under this Rider on the Policy Date. The Initial Maximum Monthly LTC Benefit is shown in the Policy Specifications.

    Insured   The person named in the
      Policy Specifications who may receive Covered Services under this Rider.

    Licensed Health Care Practitioner   A
      physician, as defined in Section 1861(r)(1) of the Social Security Act, a registered professional nurse, licensed social worker, or other individual who meets such requirements as may be prescribed by the Secretary of the Treasury.  The health care
      practitioner must be acting within the scope of his or her license when providing any Covered Service under this Rider.

    For purposes of this Rider, the Licensed Health Care Practitioner cannot be an Immediate Family Member.

    LTC Benefit Limit   The benefit
      amount available under this Rider on any date after the Policy Date, as described in the “LTC Benefit Limit” provision.

    Maintenance or Personal Care Services   Any
      care for which the primary purpose is the provision of necessary assistance to help the Insured perform the Activities of Daily Living while Chronically Ill. This includes protection from threats to his or her health and safety due to a Severe
      Cognitive Impairment.

    Market Benefit Floor   The Market
      Benefit Floor is used to calculate the Market Maximum Monthly LTC Value. The Market Benefit Floor on the Policy Date (“Initial Market Benefit Floor”) is shown in the Policy Specifications, and may increase or decrease after the Policy Date as
      provided in this Rider.

    Market LTC Limit Value   A
      reference value calculated based on the Policy’s Accumulation Value, as described in the “Market LTC Limit Value” provision,  that is used to determine the LTC Benefit Limit under this Rider.

    Market Maximum Monthly LTC Value   A
      reference value calculated based on the Policy’s Accumulation Value, as described in the “Market Maximum Monthly LTC Value” provision, that is used to determine the Maximum Monthly LTC Benefit under this Rider.

    Maximum Monthly LTC Benefit   The
      maximum benefit amount available each calendar month under this Rider on any date after the Policy Date, as described in the “Maximum Monthly LTC Benefit” provision.

    Medicaid   Title XIX of the
      Federal Social Security Act, as amended.

    Medicare   Title XVIII of the
      Federal Social Security Act, as amended.

    Mental or Nervous Disorders   Neurosis,
      psychoneurosis, psychopathy, psychosis, or mental or emotional disease or disorder including, but not limited to, anxiety or depression.

    Minimum LTC Duration   The Minimum
      LTC Duration is shown in the Policy Specifications. Benefits under this Rider will be available for at least the Minimum LTC Duration.

    
      
        

    

    

    

    Nursing Home   A facility or
      distinctly separate area, section or wing of a hospital or other institution that is licensed or certified to operate as a Nursing Home under the laws of the state or jurisdiction in which it is located and does so in exchange for monetary
      compensation.  If the state or jurisdiction does not license or certify Nursing Homes, then the facility must meet all of the following
      criteria in order to qualify as a Nursing Home under this Rider:

    
      	
              a.

            	
              it must provide nursing care in exchange for monetary compensation. Such care must be provided 24 hours per day, 7 days per week
                under a formal, written program of policies and procedures which are developed, reviewed and executed by a group of Licensed Health Care Practitioners and other professionals, including at least one licensed physician and one licensed
                nurse;

            

    

    	b.	
            it must employ or contract with a licensed physician who is available in person or on call at all times to furnish necessary medical care;

          

    	c.	
            it must have formal written procedures for obtaining appropriate aid in the event of a medical emergency;

          

    	d.	
            it must have at least one professional nurse who is a full-time employee of the facility and who is present at the facility at least 30 hours per week;

          

    	e.	
            it must have a professional nurse on duty or on call at all times;

          

    	f.	
            it must maintain written daily clinical records for all residents, including the Insured, who must be a full-time resident;

          

    	g.	
            it must have appropriate written policies and procedures for handling and administering medications and biologicals to residents; and

          

    	h.	
            it must provide nursing care to at least 10 full-time residents, including the Insured.

          

    A Nursing Home is not: a hospital
      (including sub-acute care and rehabilitation hospital); a clinic; a facility operated primarily for the treatment of alcoholism, drug addiction, or Mental or Nervous Disorders; an Assisted Living Facility or adult residential care facility; an
      independent living facility or unit; a hospice; the Insured’s or any other individual’s Home; or any other facility or residential setting, except as specifically described in the criteria above, that caters to or exists for the purpose of providing
      or facilitating care for elderly, or physically infirm or mentally impaired individuals in exchange for monetary compensation, whether such facility or setting is licensed or unlicensed.

    Per Diem Limit   The maximum daily
      benefit established annually by the Internal Revenue Service on January 1st.

    Plan of Care   A written document
      that is prescribed by a Licensed Health Care Practitioner and outlines the individualized medical treatment (including medication and therapy) and non-medical assistance and services which are prescribed for the Insured because the Insured is
      Chronically Ill.  The Plan of Care must specify the agency, facility and/or Informal Caregiver that will provide the prescribed care; the type, frequency, and duration of all medication, therapy, and services required by the Insured; and the identity
      and title of the provider who is to perform each service. The Plan of Care must also describe the likelihood of improvement or deterioration of the Insured’s condition within 12 months from the date the Plan of Care was prepared and must state all
      supporting evidence upon which the Licensed Health Care Practitioner who has developed the Plan of Care has based his or her evaluation, conclusions and prognosis.  Such supporting evidence may include documents and other information relevant to the
      certification that the Insured is Chronically Ill.

    A Plan of Care may not be developed by an Immediate Family Member.

    Pre-Existing Condition   A
      condition of the Insured for which medical advice or treatment was discussed with, recommended by, or received from, any provider of health, psychological or other care services within 6 months preceding the Date of Issue or the date this Rider is
      reinstated, unless the Insured was Chronically Ill on the date of Lapse, as described in the “Reinstatement of Rider” provision.

    Protected LTC Limit Value   A
      reference value determined on each Policy Anniversary while the Value Protection Rider is In Force, as described in the Value Protection Rider, that is used to determine the LTC Benefit Limit under this Rider.

    Protected Maximum Monthly LTC Value   A
      reference value determined on each Policy Anniversary while the Value Protection Rider is In Force, as described in the Value Protection Rider, that is used to determine the Maximum Monthly LTC Benefit under this Rider.

    

    

    

    

    
      
        

    

    

    

    Qualified Long-Term Care Services   Services
      that meet the requirements of Section 7702B(c)(1) of the Internal Revenue Code of 1986, as amended, as follows: necessary diagnostic, preventive, therapeutic, curing, treating, mitigating and rehabilitative services, and Maintenance or Personal Care
      Services, which are:

    	a.	
            required by the Insured because he or she is Chronically Ill; and

          

    	b.	
            provided pursuant to a Plan of Care prescribed by a Licensed Health Care Practitioner.

          

    Severe Cognitive Impairment   Severe
      deterioration or severe loss in the Insured’s intellectual capacity that is measured and confirmed by objective clinical evidence and standardized tests that reliably identify and measure severe impairment in the following areas:

    	a.	
            the Insured’s short- or long-term memory;

          

    	b.	
            the Insured’s orientation as to person, such as who they are, place, such as their location, and time, such as day, date, and year; and

          

    	c.	
            the Insured’s deductive or abstract reasoning, including judgment as it relates to safety awareness.

          

    The need for Substantial Supervision due to the presence of a Severe Cognitive Impairment must also be established by such objective
      clinical evidence and standardized tests.

    State of Issue   The jurisdiction
      in which the Policy and this Rider were delivered or issued for delivery.

    Substantial Assistance   Hands-on
      Assistance, or the presence of another person within arm’s reach, which is necessary to assist the Chronically Ill Insured with the performance of an Activity of Daily Living by physical intervention, and to prevent injury to the Insured while the
      Insured is performing an Activity of Daily Living.

    Substantial Supervision   Continual
      supervision that may include cueing by verbal prompting, gestures, or other demonstrations by another person who is physically present with the Chronically Ill Insured that is necessary to protect the Insured from death or serious threats to the
      Insured’s health or safety arising from the Insured’s Severe Cognitive Impairment.

    United States   For purposes of this
      Rider, references to “United States” includes the United States, its territories and possessions.

    we, our, us   The Lincoln National
      Life Insurance Company.

    you, your   The Owner(s) of this
      Rider or the Policy.

    Rider Charge

    Monthly Deduction   The Monthly
      Rider Charge described below is part of the Monthly Deduction described in the Policy.

    Monthly Rider Charge   The Monthly
      Rider Charge on any Monthly Anniversary Day on which the Insured is not on claim is equal to (a) multiplied by (b), where:

    (a) is the Monthly LTC Charge Rate described in the “Monthly LTC Charge Rate” provision below; and

                 (b) is the LTC Benefit Limit on the Policy’s Monthly Anniversary Day, divided by 1,000.

    As of the date a claim is approved, and for the duration of the claim, (b) above will read as follows:

                 (b) is the greater of the Base LTC Limit Value or the Protected LTC Limit Value, if any, on the Policy’s Monthly

         Anniversary Day, divided by 1,000.

    Monthly LTC Charge Rate   The
      Monthly LTC Charge Rate is shown in the Policy Specifications, and will not increase. The monthly rate varies by the Insured’s Issue Age, sex, rate class, and Right to Purchase Optional Inflation Protection election shown in the Policy
      Specifications.

    If any increase in the Policy’s Specified Amount is issued at a more favorable rate class than the rate class shown in the Policy
      Specifications, the more favorable rate class will be used to determine the Monthly LTC Charge Rate for this Rider from that date forward.

    If on any Policy Anniversary, you do not purchase that year’s Optional Inflation Protection increase, the Monthly LTC Charge Rate for this
      Rider will be reduced from that date forward to reflect that change, as described in the “Right to Purchase Optional Inflation Protection” provision.

    
      
        

    

    

    

    Limitations or Conditions on Eligibility for Benefits

    Benefit Conditions   The following
      Benefit Conditions must be met to qualify for benefits under this Rider:

    	a.	
            The total benefits paid to date under this Rider must not have reduced the LTC Benefit Limit to zero.

          

    	b.	
            The Insured must be Chronically Ill as defined in the “Definitions” section of this Rider.

          

    	c.	
            A Licensed Health Care Practitioner, who has evaluated the Insured, must certify that the Insured is Chronically Ill, and develop and prescribe a written Plan of Care
              in accordance with this Rider’s definition of “Plan of Care”. A Licensed Health Care Practitioner of our choice will certify that the Insured is Chronically Ill and develop, review, modify or approve the Plan of Care. The Insured must receive
              the Covered Services prescribed under the Plan of Care while this Rider is In Force. Some services prescribed in the Plan of Care may not be covered by this Rider and we will not pay benefits for Covered Services beyond or in excess of those
              prescribed in the Plan of Care.

          

    	d.	
            At least once every 12 months after a Licensed Health Care Practitioner initially certifies that the Insured is Chronically Ill, and for as long as the Insured
              continues to be Chronically Ill, a Licensed Health Care Practitioner must again:

          

    	

          	1.	
            certify to us that the Insured is Chronically Ill; and

          

    	

          	2.	
            either prescribe a new Plan of Care or reconfirm the existing Plan of Care.

          

    Once we confirm that the Insured has been certified as Chronically Ill, certification may not be rescinded, and
      additional certifications may not be performed until after the expiration of the 90 day period.

    Whenever we provide a Licensed Health Care Practitioner to perform the assessment(s), certification or recertifications noted above,
      and/or to develop and prescribe the Insured’s Plan of Care, it will be at our expense. The assessment will be performed promptly and the resulting certification, if any, will be completed as quickly as possible to ensure that benefits payable under
      this Rider, if any, are not unreasonably delayed.

    Benefits will be paid under this Rider for as long as:

    	a.	
            the above-listed Benefit Conditions of this Rider are met;

          

    	b.	
            the requirements of the “Claims” section of this Rider are satisfied;

          

    	c.	
            any claim is either:

          

    	

          	1.	
            for reimbursement of costs incurred and actually paid by the Insured for Covered Services which are Qualified Long-Term Care Services prescribed in the Plan of Care and
              that have not already been reimbursed by us; or

          

    	

          	2.	
            for payment of [Flexible Care Cash] for days on which the Insured received [Flexible Care Cash] only, meaning that the Insured did not receive reimbursement for any
              Covered Service or combination of Covered Services under this Rider on that same calendar day; and

          

    	d.	
            this Rider remains In Force. This condition does not apply to benefits received under the “Benefits After Lapse” or “Nonforfeiture Benefit” provisions.

          

    If we determine that the Insured no longer meets the requirements of being Chronically Ill, all benefit payments will stop. Should the
      Insured later be recertified as being Chronically Ill and meet all conditions for the payment of benefits under this Rider, benefit payments will resume subject to the LTC Benefit Limit

    There is no deductible period or elimination period which must be satisfied in order to be eligible for benefits under this Rider.

    Determination of Rider Benefits

    The LTC Benefit Limit and Maximum Monthly LTC Benefit under this Rider are equal to the greatest of the separately calculated reference
      values (Base, Market, and, while the Value Protection Rider is In Force, Protected), as described in the provisions below.

    Unless you have Requested a decrease in the Policy’s Specified Amount or a partial surrender (i.e. withdrawal) under the Policy, the LTC
      Benefit Limit will never be less than the Initial LTC Benefit Limit shown in the Policy Specifications minus the sum of any benefits paid under this Rider, and the Maximum Monthly LTC Benefit will never be less than the Initial Maximum Monthly LTC
      Benefit shown in the Policy Specifications.

    
      
        

    

    

    

    LTC Benefit Limit    The LTC
      Benefit Limit is the benefit amount available under this Rider on any date after the Policy Date. The LTC Benefit Limit is equal to the greatest of:

    	a.	
            the Base LTC Limit Value as described in the “Base LTC Limit Value” provision below;

          

    b. the Market LTC Limit Value as described in the “Market LTC Limit Value” provision below; or

    	c.	
            while the Value Protection Rider is In Force, the Protected LTC Limit Value, if any, in effect, as described in the Value Protection Rider.

          

    On the date a claim is approved, the LTC Benefit Limit will be fixed at the amount in effect on that date. For the duration of the claim,
      the LTC Benefit Limit will decrease, and may increase, as described in the “Benefits While on Claim” provision below.

    Maximum Monthly LTC Benefit   The
      Maximum Monthly LTC Benefit is the maximum benefit amount available each calendar month under this Rider on any date after the Policy Date. The Maximum Monthly LTC Benefit is equal to the greatest of:

    	a.	
            the Base Maximum Monthly LTC Value as described in the “Base Maximum Monthly LTC Value” provision below;

          

    	b.	
            the Market Maximum Monthly LTC Value as described in the “Market Maximum Monthly LTC Value” provision below; or

          

    	c.	
            while the Value Protection Rider is In Force, the Protected Maximum Monthly LTC Value, if any, in effect, as described in the Value Protection Rider.

          

    On the date a claim is approved, the Maximum Monthly LTC Benefit will be fixed at the amount in effect on that date. For the duration of
      the claim, the Maximum Monthly LTC Benefit may increase and/or decrease as described in the “Benefits While on Claim” provision below.

    Base LTC Limit Value   On the
      Policy Date, the Base LTC Limit Value is equal to the Initial LTC Benefit Limit shown in the Policy Specifications. The Base LTC Limit Value may increase or decrease after the Policy Date as described in the “Benefits Available”, “Right to Purchase
      Optional Inflation Protection”, and “Impact of Policy Transaction on Rider Benefits” provisions.

    Base Maximum Monthly LTC Value   On
      the Policy Date, the Base Maximum Monthly LTC Value is equal to the Initial Maximum Monthly LTC Benefit shown in the Policy Specifications. The Base Maximum Monthly LTC Value may increase or decrease after the Policy Date as described in the “Right
      to Purchase Optional Inflation Protection” and “Impact of Policy Transaction on Rider Benefits” provisions.

    Market LTC Limit Value   The
      Market LTC Limit Value on any date is equal to (a) multiplied by (b), where:

    
      	
              (a)

            	
              is the Policy’s Accumulation Value on that date; and

            

    

    
      	
              (b)

            	
              is the Market Benefit Multiplier shown in the Policy Specifications.

            

    

    The Market LTC Limit Value may increase or decrease daily.  The Market LTC Limit Value is adjusted as described in the “Right to Purchase
      Optional Inflation Protection” provision.

    Market Maximum Monthly LTC Value   The
      Market Maximum Monthly LTC Value on any date is equal to the sum of (a) plus [the greater of (b) or (c), minus (c)], divided by (d), where:

    
      	
              (a)

            	
              is the Base Maximum Monthly LTC Value on that date;

            

    

    
      	
              (b)

            	
              is the Policy’s Accumulation Value on that date;

            

    

    
      	
              (c)

            	
              is the Initial Market Benefit Floor shown in the Policy Specifications, increased and/or decreased as a result of increases
                and/or decreases in the Policy’s Specified Amount; and

            

    

    
      	
              (d)

            	
               is the Market Benefit Divisor shown in the Policy Specifications.

            

    

    The Market Maximum Monthly LTC Value may increase or decrease daily. The Market Maximum Monthly LTC Value is adjusted as described in the
      “Right to Purchase Optional Inflation Protection” provision.

    

    

    

    

    

    

    
      
        

    

    

    

    Benefits While on Claim   On the
      date a claim under this Rider is approved, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will be fixed at the amount in effect on that date.

    With the exception of Caregiver Training, any amounts paid in a calendar month as a benefit under this Rider will reduce that month’s
      Maximum Monthly LTC Benefit, and the LTC Benefit Limit, dollar for dollar, as described in the “Benefits Available” provision below.

    An Optional Inflation Protection increase will increase the Maximum Monthly LTC Benefit and the LTC Benefit Limit, as described in the
      “Right to Purchase Optional Inflation Protection” provision.

    An increase and/or decrease in the Policy’s Specified Amount or a partial surrender (i.e. withdrawal) under the Policy will likewise
      increase and/or decrease the Maximum Monthly LTC Benefit and the LTC Benefit Limit, as described in the “Impact of Policy Transactions on Rider Benefits” provisions.

    If we close your claim as described in the “Transition Off Claim” provision, and the Policy’s Specified Amount and/or Accumulation Value
      are greater than zero, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will no longer be fixed, and will be calculated as described in the “LTC Benefit Limit” and “Maximum Monthly LTC Benefit” provisions above. If the Policy’s Specified
      Amount and Accumulation Value have both been reduced to zero, the LTC Benefit Limit and the Maximum Monthly LTC Benefit will remain fixed.

    Long-Term Care Benefits

    Benefits Available   Subject to
      the terms and conditions of this Rider, we will pay an amount not to exceed the Maximum Monthly LTC Benefit no less frequently than once each calendar month until the LTC Benefit Limit equals zero:

    a. to reimburse costs incurred and actually paid by the Insured for any Covered Service or combination of Covered Services; and/or

    b. to pay the [Flexible Care Cash] benefit described in the “[Flexible Care Cash] Benefits” provision below.

    With the exception of Caregiver Training, any amounts paid in a calendar month for [Flexible Care Cash] and/or to reimburse any Covered
      Service or combination of Covered Services will reduce the following dollar for dollar: that month’s Maximum Monthly LTC Benefit, the LTC Benefit Limit, the Base LTC Limit Value, and the Protected LTC Limit Value, if any. Benefits paid for Caregiver
      Training do not reduce any of these amounts

    [Flexible Care Cash] is available only until the sum of benefits paid for all Covered Services plus the total amount of [Flexible Care
      Cash] received has reduced the Base LTC Limit Value to zero, even if the LTC Benefit Limit is greater than zero.

    Benefits under this Rider while this Rider is In Force will continue to be available for the Covered Services listed in the “Covered
      Services” section of this Rider as long as the LTC Benefit Limit is greater than zero.

    In any calendar month in which you are eligible to receive benefits under this Rider, the maximum amount available as a benefit under this
      Rider is equal to the lesser of:

    	a.	
            an amount equal to (1) plus (2), where:

          

    	

          	(1)	
            is the sum of costs incurred and actually paid by the Insured for Covered Services for the calendar month which have not already been reimbursed by us; and

          

    	

          	(2)	
            is the daily [Flexible Care Cash] amount payable, as described in the “[Flexible Care Cash] Benefits” provision below, multiplied by the number of days in the calendar
              month in which [Flexible Care Cash] was received;

          

    	b.	
            the amount you request;

          

    	c.	
            the Maximum Monthly LTC Benefit; or

          

    	d.	
            the LTC Benefit Limit.

          

    A benefit paid under this Rider will be first used to repay a portion of any outstanding Debt under the Policy, as described in the
      “Reduction of Benefit Payments Due to Debt” provision.

    This Rider will pay benefits for Covered Services received in a state or jurisdiction, including other than the State of Issue, if
      benefits would have been paid in the State of Issue, irrespective of any differences in facility licensing, certification, registration requirements, provider name or similar requirements.

    
      
        

    

    

    

    [Flexible Care Cash] Benefits   If
      the Insured has met all of the Benefit Conditions listed in the “Limitations or Conditions on Eligibility for Benefits” section of this Rider, [Flexible Care Cash] may be available for up to 5 days per week to provide assistance with paying for
      Qualified Long-Term Care Services while the Insured is residing in their Home, such as care provided by an Informal Caregiver, that are prescribed in the Insured’s Plan of Care and which the Insured, the Insured’s Licensed Health Care Practitioner
      and we agree are appropriate in meeting the Insured’s long-term care needs. Receipts for services provided on days for which [Flexible Care Cash] is requested are not required for payment.

    [Flexible Care Cash] is available only on days when no Covered Services are being reimbursed under this Rider.

    The amount of [Flexible Care Cash] payable for each day is equal to the lesser of:

    
      	
              a.

            	
                     1/60th of the Maximum Monthly LTC Benefit; or

            

    

    
      	
              b.

            	
                     the Per Diem Limit as defined in this Rider in effect on the date a claim is approved.

            

    

    Flexible Care Cash is available only until the sum of benefits paid for all Covered Services plus the total amount of [Flexible Care Cash]
      received has reduced the Base LTC Limit Value to zero, even if the LTC Benefit Limit is greater than zero. We will not pay benefits under this provision for services received prior to the date the claim is approved.

    International Benefits   If the
      Insured is confined to a Nursing Home or Assisted Living Facility outside of the United States, the amount payable each calendar month to reimburse costs incurred and actually paid by the Insured for such Nursing Home Care Services or Assisted Living
      Facility Services and which have not already been reimbursed by us is limited to the Maximum Monthly LTC Benefit.  The only Covered Services payable, when received outside of the United States, are benefits for Nursing Home Care Services or Assisted
      Living Facility Services.

    International Benefits are limited to no more than a total of 36 months of payments by us while this Rider is In Force.

    Any benefits payable under this “International Benefits” provision are subject to the following terms and conditions:

    	a.	
            Benefits are not payable under this provision if such payment is prohibited by the laws, rules, regulations or orders of the United States Government and its officials,
              or sanctions established by the United States Department of the Treasury’s Office of Foreign Asset Control, its successor organization, or any authorized agency or department of the United States.

          

    	b.	
            You may not receive payments for benefits for Covered Services received within the United States while benefits are being paid for Nursing Home Care Services or
              Assisted Living Facility Services under this provision.

          

    	c.	
            We must receive proof In Writing satisfactory to us that the Insured is confined in a Nursing Home or Assisted Living Facility outside of the United States and has met
              all of the Benefit Conditions of this Rider and this provision.  Such proof and all supporting documentation must be furnished in English at no expense to us.

          

    	d.	
            Payments will be made in United States currency at the then-current exchange rate as published by Bloomberg L.P. or its successors, or an equivalent service of our
              choice on the date of payment. We will not cover the cost of currency exchanges or conversions, wire transfers, administrative fees, or other fees, costs, taxes, customs, duties, services or expenses of any kind arising from or relating to
              the Insured’s receipt of care in any country other than the United States, unless such costs would necessarily have been incurred and covered under this Rider if the Insured had received care within the United States instead of a foreign
              country.

          

    	e.	
            While benefits are being paid under this provision, we reserve the right to verify, as often as we deem necessary, that all of the Benefit Conditions and other criteria
              for eligibility for benefits under this Rider and this provision have been satisfied.

          

    Right to Purchase Optional Inflation
        Protection   If your Rider is issued with the right to purchase Optional Inflation Protection, you can purchase a 5% compound Optional Inflation Protection increase on each Policy Anniversary, with no evidence of insurability. The Right to
      Purchase Optional Inflation Protection election in effect on the Policy Date is shown in the Policy Specifications.

    Every annual Optional Inflation Protection increase purchased by you will be factored into the calculation of the following values: Base
      Maximum Monthly LTC Value, Base LTC Limit Value, Market Maximum Monthly LTC Value, Market LTC Limit Value, Protected Maximum Monthly LTC Value, if any, and Protected LTC Limit Value, if any.

    Starting with the first Policy Anniversary, and for as long as you continue to purchase each year’s Optional Inflation Protection
      increase, we will send you Written notification regarding that year’s right to purchase. You must return your Request to purchase that year’s Optional Inflation Protection increase within the timeframe stated in the notification.

    
      
        

    

    

    

    If you decline to purchase any annual Optional Inflation Protection increase, you will no longer have the right to
      purchase an Optional Inflation Protection increase on any future Policy Anniversary.  The right to purchase Optional Inflation Protection under this Rider cannot be reinstated once terminated.

    The right to purchase annual Optional Inflation Protection increases will continue without regard to the Insured’s Attained Age, claim
      status, claim history, or length of time the Insured has been covered under this Rider, as long as the following conditions are satisfied:

    
      	
              a.

            	
              you continue to purchase each year’s Optional Inflation Protection increase;

            

    

    
      	
              b.

            	
              the LTC Benefit Limit is greater than zero; and

            

    

    c. this Rider remains In Force.

    On the Policy Anniversary on which you do not purchase that year’s Optional Inflation Protection increase, the following will occur:

    
      	
              a.

            	
                    your right to purchase any future annual Optional Inflation Protection increase will terminate; and

            

    

    b.          the Monthly LTC Charge Rate used to calculate the Monthly Rider Charge will be reduced accordingly.

    Even if your right to purchase Optional Inflation Protection increases under this Rider is terminated, any previously purchased Optional
      Inflation Protection increases will continue to be included in the calculation of benefits under this Rider.

    Covered Services

    If the Insured has met all of the Benefit Conditions listed in the “Limitations or Conditions on Eligibility for Benefits” section of this
      Rider, the following Covered Services, as defined, may be available for reimbursement to the extent that such services are prescribed in the Insured’s Plan of Care and are Qualified Long-Term Care Services as defined in this Rider, subject to the
      terms and conditions of this Rider and the Policy to which it is attached.

    PART I  Home and Community-Based Services

    Home Health Care Services   Services
      which are prescribed in the Insured’s Plan of Care and which are provided by a Home Health Care Agency to the Chronically Ill Insured at the Insured’s Home in exchange for monetary compensation, including part-time and intermittent skilled nursing
      services, Substantial Assistance with the Activities of Daily Living, and Substantial Supervision required due to a Severe Cognitive Impairment.

    Adult Day Care Services   Care
      provided by a state licensed or certified program, for a specified number of individuals, providing social or health-related services, or both, during the day in a community group setting for the purpose of supporting frail, impaired elderly or other
      disabled adults who can benefit from care in a group setting outside the Home.

    Caregiver Training   Training
      given to the Insured’s unpaid caregiver to provide him or her with the knowledge and skills necessary to care for the Chronically Ill Insured.  Such training must be provided by a properly accredited medical or instructional institution or by an
      individual, such as a licensed nurse, who is qualified to provide such training, and must be reasonable in scope, duration and cost, given the Chronically Ill Insured’s health condition and expected care needs. Caregivers who qualify to receive
      Caregiver Training under this provision must not be eligible or paid care providers under other Covered Services provisions of this Rider.

    The total amount payable for Caregiver Training while this Rider is In Force is limited to no more than the Caregiver Training Benefit
      Limit shown in the Policy Specifications.

    Caregiver Training may include:

    	a.	
            the proper use and care of therapeutic devices or disposable medical aids, including, but not limited to, catheters, colostomy bags, or suctioning tubes;

          

    	b.	
            the performance of care-giving procedures such as changing wound dressings or repositioning the Insured in bed; or

          

    	c.	
            other therapeutic or care-giving procedures needed to enable the Chronically Ill Insured to continue to reside in his or her Home.

          

    
      
        

    

    

    

    PART II  Facility Services

    Assisted Living Facility Services   Qualified
      Long-Term Care Services, including room and board, provided to the Insured while he or she is confined to an Assisted Living Facility.

    Nursing Home Care Services   Qualified
      Long-Term Care Services, including room and board, provided to the Insured while he or she is confined to a Nursing Home.

    Bed Reservation   The expense
      incurred by the Insured to reserve the Insured’s bed in a Nursing Home while he or she is temporarily absent during a stay in a Nursing Home and is charged to reserve accommodations.  The temporary absence can be for any reason with the exception of
      discharge.  This includes, but is not limited to, a hospital stay or spending time with family.

    This benefit is limited to no more than a total of 30 days each calendar year.  The amount payable for Bed Reservation cannot exceed 1/30th
      of the Maximum Monthly LTC Benefit for each day that the bed is reserved.

    PART III  Other Covered Services

    Care Planning Services   Services
      provided for the Insured by a Care Planning Agency under the direction of a Licensed Health Care Practitioner. Care Planning Services may include:

    	a.	
            evaluation of the circumstances in the Insured’s Home which relate to his or her ability to live independently;

          

    	b.	
            evaluation of the Insured’s Chronic Illness and the level of assistance needed for each Activity of Daily Living;

          

    	c.	
            preparation of a Plan of Care for the Insured in coordination with the Licensed Health Care Practitioner;

          

    	d.	
            coordination and monitoring of the Covered Services provided to the Insured; and

          

    	e.	
            monitoring any changes in the Insured’s functional and/or cognitive abilities and updating the Plan of Care accordingly.

          

    Hospice Services   Services given
      to provide palliative care to alleviate the physical, emotional, social, and spiritual discomforts of the Insured who is in the terminal phases of life.  Hospice Services must be provided by an organization that meets Federal certification
      requirements as a hospice, or is licensed, certified or registered to provide such care according to the laws of the state or jurisdiction in which it operates.

    Respite Care Services   Short-term
      care services provided for the Insured in an institution, in the Insured’s Home, or in a community-based program to provide temporary relief for the Insured’s unpaid caregiver while the caregiver is unavailable to provide care, such as while the
      Insured’s caregiver is on vacation.

    This benefit is limited to no more than a total of 21 days each calendar year.  The amount payable for each day of Respite Care Services
      cannot exceed 1/30th of the Maximum Monthly LTC Benefit.

    Alternative Care Services   Qualified
      Long-Term Care Services that are not covered under any of the above provisions, but which are prescribed in the Insured’s Plan of Care and which the Insured, the Insured’s Licensed Health Care Practitioner and we all agree would be the most
      appropriate and cost-effective way to meet the Insured’s long-term care needs.  Any such agreement must be In Writing in order to take effect and must be signed by us and the Insured as a precondition to the payment of benefits under this provision.
      Any such Written agreement will be implemented for the specific and defined period of time that is stated in the Written agreement and will be subject to periodic reconsideration and renewal by us, at our discretion. Alternative Care Services, and
      any Written agreement describing the Alternative Care Services that we agree to cover, are subject to all terms and conditions of this Rider. We reserve the right to not pay benefits under this provision for services received prior to the date the
      claim is approved.

    We reserve the right to decline to authorize benefits and services under this “Alternative Care Services” provision.  Our denial of
      Alternative Care Services under this provision does not affect your right to seek benefits for other Covered Services under this Rider.  Alternative Care Services must be provided as an alternative to services otherwise covered by this Rider. You
      cannot receive benefits under any other provision of this Rider while the Insured is receiving Alternative Care Services under this provision. 

    
      
        

    

    

    

    Non-Continual Services   Services
      which are received by the Insured on a non-recurring basis, such as expenses for durable medical equipment or for modifications to the Insured’s Home to accommodate a wheelchair or other device, that are prescribed in the Insured’s Plan of Care, and
      which the Insured, the Insured’s Licensed Health Care Practitioner and we all agree would be the most appropriate and cost effective way to meet the Insured’s long-term care needs. Any such agreement must be In Writing in order to take effect and
      must be signed by us and the Insured as a precondition to the payment of benefits under this provision. Non-Continual Services, and any Written agreement describing the Non-Continual Services that we agree to cover, are subject to all terms and
      conditions of this Rider. We reserve the right to not pay benefits under this provision for services received prior to the date the claim is approved.

    We reserve the right to decline to authorize benefits and services under this “Non-Continual Services” provision.  Our denial of
      Non-Continual Services under this provision does not affect your right to seek benefits for other Covered Services under this Rider.

    The total amount payable for Non-Continual Services in any calendar year cannot exceed the Maximum Monthly LTC Benefit.

    General Exclusions and Limitations

    This Rider will not provide benefits for:

    	a.	
            treatment or care due to alcoholism or drug addiction;

          

    	b.	
            treatment arising out of an attempt at suicide, whether sane, mentally or psychologically impaired or insane, or an intentionally self-inflicted injury;

          

    	c.	
            treatment provided in a Veteran’s Administration or government facility, unless the Insured or the Insured’s estate is charged for the confinement or services or unless
              otherwise required by law;

          

    	d.	
            loss to the extent that benefits are payable under any of the following:

          

    1. Medicare, including that which would have been payable but for the application of a deductible
      or a coinsurance amount, or any other governmental programs, except Medicaid;

    2. state or Federal workers’ compensation laws;

    3. employer’s liability laws;

    4. occupational disease laws; and

    5. any motor vehicle no-fault laws;

    	e.	
            confinement or care received outside the United States, other than benefits for Nursing Home Care Services and Assisted Living Facility Services as described in the
              “International Benefits” provision;

          

    	f.	
            services provided by a facility or an agency that does not meet this Rider’s definition for such facility or agency as described in the “Covered Services” section of
              this Rider, except as provided in the “Alternative Care Services” provision above;

          

    	g.	
            services provided by an Immediate Family Member, except as provided in the “[Flexible Care Cash] Benefits” provision, unless:

          

    	

          	1.	
            the Immediate Family Member is a regular employee of the service or care provider furnishing the service or care;

          

    	

          	2.	
            the service or care provider receives the payment for the service or care; and

          

    	

          	3.	
            the Immediate Family Member receives no compensation other than the normal compensation for an employee in his or her job category; and

          

    	h.	
            services for which no charge is or would normally be made in the absence of insurance.

          

    
      
        

    

    

    

    Impact of Policy Transactions on Rider Benefits

    Increases in Policy Specified Amount   If
      you Request an increase in the Policy’s Specified Amount after the Policy Date, the Base Maximum Monthly LTC Value, Base LTC Limit Value, and Market Benefit Floor, which are used to determine the LTC Benefit Limit and the Maximum Monthly LTC Benefit,
      will be increased proportionally to the increase in the Policy’s Specified Amount.

    Decreases in Policy Specified Amount   If
      the Policy’s Specified Amount decreases either by Request or as a result of a partial surrender (i.e. withdrawal) under the Policy, the Base Maximum Monthly LTC Value, Base LTC Limit Value. and Market Benefit Floor, which are used to determine the
      LTC Benefit Limit and the Maximum Monthly LTC Benefit, will be decreased proportionally to the decrease in the Policy’s Specified Amount.

    Impact of Debt on Benefit Payments

    Reduction of Benefit Payments Due to
        Debt   A benefit paid under this Rider will be first used to repay a portion of any outstanding Debt under the Policy.

    The portion to be repaid will equal the sum of (a) plus (b), divided by (c), then multiplied by (d), where:

    (a) is the Loan Account Value;

    (b) is any accrued loan interest not yet charged;

    (c) is the Policy’s Accumulation Value immediately prior to the benefit payment; and

    (d) is the amount of the benefit payment prior to the reduction to repay Debt.

    If the Loan Account Value is greater than zero, the Loan Account Value will be reduced by the amount of the benefit payment used to repay
      Debt.

    Impact of Rider on Policy

    Monthly Deduction   While the
      Policy and this Rider are In Force, the Monthly Deduction described in the Policy will continue to be deducted from the Policy’s Accumulation Value until the earlier of:

    	a.	
            the Insured’s Attained Age 121; or

          

    	b.	
            the Monthly Anniversary Day on or next following the date the Policy’s Specified Amount and Accumulation Value have both been reduced to zero.

          

    Additional Premiums   While the
      Policy and this Rider are In Force, in addition to the terms and conditions described in the Policy’s “Additional Premiums” provision, the following will also apply: You may not make additional premium payments on or after the date the Policy’s
      Specified Amount and Accumulation Value have both been reduced to zero as a result of benefit payments under this Rider. Additionally, we reserve the right to require Evidence of Insurability for any premium payment that would result in an increase
      in the LTC Benefit Limit under this Rider.

    Automatic Transfer to Fixed Account While on
        Claim   On the date a claim under this Rider is approved, we will transfer any Separate Account Value out of the Sub-Account(s) to the Fixed Account. Such transfer(s) will be made at the end of the Valuation Day on or next following the
      date your claim is approved.

    While on claim, any Fixed Account Value cannot be transferred to the Sub-Account(s), and any Net Premium Payments received will be
      allocated to the Fixed Account. Automatic Rebalancing, Dollar Cost Averaging, and allocation requirements described in the Policy and/or the Value Protection Rider will not apply once a claim is approved, until you transition off claim.

    Once your claim is closed as described in the “Transition Off Claim” provision, you may submit a Request to transfer any remaining Fixed
      Account Value to the Sub-Account(s), subject to the Allocation Requirements described in the Policy and/or the Value Protection Rider, if In Force. The limitations described in the Policy’s “Transfers from the Fixed Account” provision will be waived
      for this Request. Any future Net Premium Payments received will be allocated accordingly. Automatic Rebalancing and Dollar Cost Averaging, as applicable, will recommence.

    The transfers described in this provision do not count against the free transfers available under the Policy.

    
      
        

    

    

    

    Impact of Benefit Payments on Specified
        Amount   While the Policy’s Specified Amount is greater than zero, benefit payments under this Rider for [Flexible Care Cash] and/or any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the
      Policy’s Specified Amount dollar for dollar. This change may reduce the Policy’s Specified Amount below the minimum as described in the Policy.

    Impact of Benefit Payments on Policy
        Values   While the Policy’s Accumulation Value is greater than zero, benefit payments under this Rider for [Flexible Care Cash] and/or any Covered Service or combination of Covered Services (other than Caregiver Training) will reduce the
      Policy’s Accumulation Value and Surrender Value dollar for dollar.

    Restriction on Specified Amount
        Increases   If this Rider was issued with the right to purchase annual Optional Inflation Protection increases, you cannot Request an increase in the Policy’s Specified Amount. If such right to purchase is subsequently terminated as
      described in the “Right to Purchase Optional Inflation Protection” provision, you may Request an increase in the Policy’s Specified Amount, subject to the terms and conditions of the Policy’s “Increases in Specified Amount” provision.

    Residual Death Benefit    If this
      Rider is In Force on the date the Insured dies, the Residual Death Benefit described below will be in effect when determining the Death Benefit Proceeds under the Policy.

    The Residual Death Benefit is equal to the lesser of:

    
      	
              a.

            	
              5% of the Specified Amount on the date of the Insured’s death, not reduced for any benefits paid under this Rider; or

            

    

    
      	
              b.

            	
              $10,000.

            

    

    Debt will decrease the Residual Death Benefit by an amount equal to 5% of the Debt. Repayment of Debt will increase the Residual Death
      Benefit by an amount equal to 5% of the repayment.

    No Death Benefit Proceeds are payable under the Policy if expenses for Covered Services have been reimbursed under the “Benefits After
      Lapse” provision.

    Availability of Policy Death Benefit
        Proceeds   If the Insured dies while receiving benefits under this Rider, we reserve the right to withhold payment of any Death Benefit Proceeds that would otherwise be payable until we have verified that we have received all remaining
      claims for [Flexible Care Cash] and/or Covered Services.

    Lapse and Lapse Protection

    Grace Period   The Policy and this
      Rider will enter the grace period as described in the Policy’s “Grace Period” provision, subject to the “No-Lapse Provisions” in the Value Protection Rider.

    If the Policy and this Rider enter the grace period, we will send the Notice required by the Policy’s “Grace Period” provision to you and
      to your designee, if any, at least 30 days before the effective date of the Lapse or termination by first class United States mail, postage prepaid, at the address provided by you for the purpose of receiving Notice of Lapse or termination.  Notice
      will not be given until 30 days after a premium is due and unpaid. Notice will be deemed to have been given as of 5 days after the date of mailing. The Policy and this Rider will remain In Force to the end of the grace period.

    You have the right to change your designee at any time by providing us with a Request for such change. We will notify you at least once
      every two Policy Years of your right to change this designation.

    Benefits After Lapse   If the
      Policy Lapses, terminating this Rider while the Insured is confined to a Nursing Home or Assisted Living Facility and receiving benefits under this Rider for Nursing Home Care Services or Assisted Living Facility Services, we will continue to
      reimburse costs incurred for such services subject to the terms and conditions of this Rider if the confinement began while this Rider was In Force and continues without interruption after the Policy and Rider terminate.

    Benefits under this provision will continue to be paid subject to the terms and conditions of this Rider, including the requirements of
      the “Limitations or Conditions on Eligibility for Benefits” section, until the earliest of:

    	a.	
            the date the Insured is discharged from the Nursing Home or Assisted Living Facility, as applicable;

          

    	b.	
            the date the LTC Benefit Limit has been reduced to zero; or

          

    	c.	
            the date the Insured dies.

          

    No Death Benefit Proceeds are payable under the Policy if costs for Covered Services have been reimbursed under this provision.

    
      
        

    

    

    

    Nonforfeiture Benefit   After the
      Policy and this Rider have been In Force for 3 Policy Years and subject to the terms and conditions of this Rider and the limitations and conditions outlined below, this provision will cover eligible claims for Covered Services up to the LTC
      Nonforfeiture Benefit Limit described below which begin at any time after this Rider has Lapsed or terminated for any reason. The Nonforfeiture Benefit under this provision will continue as paid-up long-term care coverage until the earlier of:

    	a.	
            the death of the Insured; or

          

    	b.	
            the date the LTC Nonforfeiture Benefit Limit has been reduced to zero.

          

    The LTC Nonforfeiture Benefit Limit will be an amount equal to the greater of:

    a. one month’s Maximum Monthly LTC Benefit as of the date this Rider Lapses or terminates; or

    b. an amount equal to the sum of Monthly Rider Charges paid for this Rider.

    The Maximum Monthly LTC Nonforfeiture Benefit will be an amount equal to the Maximum Monthly LTC Benefit as of the date this Rider Lapses
      or terminates, and will not change. The LTC Nonforfeiture Benefit Limit and the Maximum Monthly LTC Nonforfeiture Benefit are not subject to Optional Inflation Protection increases.

    Benefits are not payable under this provision until benefits, if any, under the “Benefits After Lapse” provision are no longer in effect.

    The sum of any benefits paid under the “Benefits After Lapse” provision plus any benefits paid under this “Nonforfeiture Benefit”
      provision will not exceed the LTC Benefit Limit on the date this Rider Lapsed or terminated.

    Reinstatement of Rider   If the
      Policy is reinstated within 6 months after the date of Lapse, this Rider may also be reinstated according to the terms and conditions of the Policy’s “Reinstatement” provision if this Rider was In Force at the time of Lapse. The reinstatement of the
      Policy and this Rider will be subject to satisfactory Evidence of Insurability.  After reinstatement, this Rider will only provide benefits for Covered Services and Qualified Long-Term Care Services for which you are seeking [Flexible Care Cash]
      which begin on or after the date of reinstatement, subject to the terms and conditions of this Rider.

    If, however, the Insured was Chronically Ill when this Rider Lapsed, you may submit a Request to reinstate the Policy and this Rider
      without evidence of insurability within 6 months after the date of Lapse, regardless of the Attained Age of the Insured on the date of Lapse, by submitting a Written statement from a Licensed Health Care Practitioner certifying that the Insured was
      Chronically Ill on the date of Lapse.  After reinstatement, this Rider will provide benefits for Covered Services and Qualified Long-Term Care Services for which you are seeking [Flexible Care Cash] received at any time since the Policy Date,
      including services received during the period of Lapse, subject to the terms and conditions of this Rider.

    This Rider will not be reinstated if the Policy Lapses and is reinstated more than 6 months after the date of Lapse.

    Claims

    Assistance with Making a Claim   Assistance
      may be provided by a Long-Term Care Claims Specialist who is available to answer questions about Rider benefits and to explain how to file a claim.  You, your legal representative or the Insured’s Licensed Health Care Practitioner, if the Insured has
      authorized such legal representative or Licensed Health Care Practitioner to speak with us, may contact the Long-Term Care Claims Specialist at any time to:

    	a.	
            discuss which types of care may be covered under this Rider;

          

    	b.	
            determine in advance if a particular provider of a Covered Service, such as a Nursing Home or a Home Health Care Agency, meets Rider conditions; or

          

    	c.	
            discuss the process for filing a claim, and obtain the necessary forms.

          

    The Long-Term Care Claims Specialist’s toll-free number is shown in the Policy Specifications.

    The claims process involves the following steps:

    
      	
              1.

            	
              Start the Process: You
                must provide us with Notice of your intent to file a claim.

            

    

    
      	
              2.

            	
              Claim Forms and Other
                  Information: Once you have notified us of your intent to file a claim, we will provide the forms you need to complete.  You must return the completed, signed forms to us at the address provided on the forms.

            

    

    
      
        

    

    

    

    
      	
              3.

            	
              Evaluation of Claim: We
                will review the claim forms and other proofs of loss that we have requested, and you have provided, to verify that all conditions under this Rider have been met.

            

    

    
      	
              4.

            	
              Payment of Claims: If we
                determine that the claim is eligible for payment, we will pay the claim directly to you, or if requested, directly to the service provider. Claim payments under this Rider will be made no less frequently than once per calendar month.

            

    

    Start the Process   To start the
      claim submission process, you or your representative can contact us either by phone at the number shown on the cover of your Policy, or In Writing at the Administrator Mailing Address shown on the cover of your Policy, to provide us with the
      following:

    
      	
              ●

            	
              your name;

            

    

    
      	
              ●

            	
              the Insured’s name;

            

    

    
      	
              ●

            	
              your Policy number; and

            

    

    
      	
              ●

            	
              the address to which our claim form packet should be sent.

            

    

    You must provide us with Notice of an anticipated claim by phone or In Writing within 60 days after the date the covered loss starts, or
      as soon as reasonably possible.  Claims submitted more than 60 days after the date on which a covered loss starts may be subject to additional review and may take longer to process, or may be denied, if your delay is unreasonable or prejudicial to
      our claims review or other processes. If you are unable to give us Notice of your own claim, your legal representative may act on your behalf, provided that we have on file the Power of Attorney or authorization In Writing to release information to
      such legal representative. You will not be deemed to have opened a claim with us until we receive your completed claim forms.

    Claim Forms and Other Information   Once
      you start the claim submission process, we will provide you with a claim packet.  The packet, and all other forms, information and submissions we require in connection with the claims process, may be sought by us in a paper, electronic or other
      format, at our reasonable discretion. You must return the claim forms and other information we request completed in their entirety. This will open your claim and will allow us to begin the process of determining the Insured’s eligibility for the
      payment of benefits. Please read the forms carefully. Please ensure all questions are answered completely and send all required information to the address provided on the forms.

    If you have not received the claim packet within 15 days of providing us with Notice by phone or In Writing of your decision to open a new
      claim, proof of loss can be filed without the claim forms by providing us details of the claim In Writing, including the occurrence, the character and the extent of the loss for which claim is made.  Details should include, but may not be limited to,
      the list of Covered Services for which benefits are being claimed; the names and addresses of the Insured’s Licensed Health Care Practitioner(s); the facility or other location where care was provided to the Insured; the Insured’s diagnosis; and the
      dates, periods of time on each date, and services provided on each date for which benefits are being claimed.  This notification must be sent to us within the time period stated in the “Proof of Loss” provision.

    Evaluation of Claim   After our
      receipt of all information from you, we will verify that the Insured has met all of the Benefit Conditions listed in the “Limitations or Conditions on Eligibility for Benefits” section of this Rider and that the Covered Services for which you are
      seeking reimbursement and/or the Qualified Long-Term Care Services for which you are seeking [Flexible Care Cash] are prescribed in the Plan of Care, and that the Insured meets all other terms and conditions for the payment of benefits under this
      Rider.

    At least once every 12 months from the date on which your claim is opened, but no more frequently than once every 90 days, we reserve the
      right to verify that the Insured and the Insured’s care providers meet all eligibility requirements of this Rider. Our review and verification may include requests for, and consideration of, all information concerning your claim, including, but not
      limited to, the Insured’s medical records and in-person physical, psychological or other examination or assessment by a Licensed Health Care Practitioner of our choice.  We may also review your claim for other purposes attendant to the claims
      process, such as avoiding fraud, waste and abuse. Such review, examination or assessment would be performed at our expense.

    If we discover any fraudulent act or acts in connection with a claim under this Rider, we shall have the right to recover any payments
      and/or to decline to continue paying benefits that result from such fraudulent act or acts.

    Proof of Loss   We must receive
      proof of loss In Writing within 30 days following the end of each calendar month in which benefits are sought.  Proof of loss includes all information reasonably requested by us to be necessary to our evaluation of any aspect of your claim and may
      include, but is not limited to, medical records, proof of payment or other confirmation of services provided. Proof of loss may also include information requested by us for the purpose of avoiding fraud, waste and abuse. We will not reduce or deny a
      claim for being late if proof of loss is filed as soon as reasonably possible, provided you exercise diligence and good faith in connection with the coordination and prompt submission of the information we require.

    

    

    

    

    
      
        

    

    

    

    You, the Insured, and any care providers utilized by the Insured have the responsibility to cooperate with us in the submission of proof
      of loss and through the claims process generally. It is your responsibility to ensure the cooperation of the Insured and the Insured’s care provider(s), which shall be a precondition to the payment of benefits under this Rider.  Unless you are deemed
      to be legally incompetent, the required proof of loss must always be given to us no later than 1 year after the date of the loss.

    We reserve the right to seek proof of loss in the format we deem to be appropriate, including, but not limited to, completion of paper
      forms or submission of information via electronic mail, via a website, via mobile device application, or via such other format, platform or tool as we deem appropriate.

    We will deem your proof of loss to have been submitted to us once in each calendar month in which you claim for benefits under this Rider,
      even if you provide us with proof of loss more often than monthly. Our reciept of your monthly proof of loss submission will initiate our monthly obligation to pay benefits under the “Payment of Claims” provision below, subject to all terms and
      conditions of this Rider.

    Payment of Claims   If we
      determine that a claim is eligible for payment, we will pay the claim directly to you, at least once each calendar month. Upon your Request, we may pay benefits directly to the Insured’s care provider.  This Request should be submitted no later than
      the time your proof of loss is submitted.

    For any calendar month in which benefits under this Rider are being paid, we will send you a monthly statement showing the amount of
      benefits paid, the change, if any, to the Policy’s Death Benefit Proceeds and other Policy values caused by the benefit payment, and the LTC Benefit Limit, if any.

    Claim Review and Appeal   After
      our receipt of all information we require to evaluate your claim, we will inform you In Writing if your claim or any part of your claim is denied, and provide you with an explanation, In Writing, of the reasons for the denial as soon as reasonably
      possible. If you do not agree with our claim decision, you have the right to appeal our decision.  We will provide you with information regarding the process for internal and, if applicable in the State of Issue, external review of benefit
      determinations and resolving benefit disputes.  This process will be consistent with the applicable laws and regulations of the State of Issue.

    Any Request to appeal should be made In Writing and must include any and all information you believe necessary to our consideration of the
      appeal. Your Request to appeal should be sent to the Administrator Mailing Address shown on the cover of your Policy within 30 days after receipt of an adverse decision. If you are unable to participate in this appeal process, your legal
      representative may act on your behalf.

    Transition Off Claim   If we
      determine that the Insured no longer meets the requirements of being Chronically Ill, has not filed a subsequent claim, or received reimbursement for Covered Services for a minimum of a continuous 90 day period, or at your request, we will close your
      claim. Prior to closing your claim, we will send you Written notification.

    If, on the date your claim is closed, the Policy’s Specified Amount and/or Accumulation Value are greater than zero, the LTC Benefit Limit
      and the Maximum Monthly LTC Benefit will no longer be fixed as described in the “Benefits While on Claim” provision, and you may submit a Request to reallocate any Accumulation Value in the Fixed Account, as described in the “Automatic Transfer to
      Fixed Account While on Claim” provision.

    If, on the date your claim is closed, the Policy’s Specified Amount and Accumulation Value have both been reduced to zero, the LTC Benefit
      Limit and the Maximum Monthly LTC Benefit will remain fixed as described in the “Benefits While on Claim” provision.

    Legal Actions   No legal action
      can be taken against us to receive benefits under this Rider:

    	a.	
            within 60 days after Written proof of loss has been furnished in accordance with the requirements of this Rider; or

          

    	b.	
            more than 3 years from the time Written proof of loss is required to be given.

          

    In the event that any part of this provision is in conflict with the applicable law and/or regulation of the State of Issue, this provision
      shall be administered in accordance with such applicable state law or regulation.

    General Rider Information

    Termination of Rider   This Rider
      and all rights under it will terminate upon the earliest of the following:

    a. the date we receive your Request to return the Policy or this Rider under the “30 Day Right to Examine” provision;

    b. the Valuation Day on or next following the date we receive your Request to terminate the Policy;

    c. the date we receive your Request to terminate this Rider;

    

    

    

    

    
      
        

    

    

    

    d. the date the Policy Lapses; or

    	e.	
            the date the Insured dies, which will cause the Death Benefit Proceeds to become payable under the Policy.

          

    The Monthly Rider Charge deducted for this Rider on the Monthly Anniversary Day immediately preceding the date the Policy and this Rider
      terminate in accordance with items b. or e. above will be returned as a credit to the Policy. If the Policy and this Rider terminate on a Monthly Anniversary Day, no Monthly Rider Charges will be credited to the Policy.

    Misstatement of Age or Sex   If
      the date of birth or sex of the Insured is misstated, the Policy will be adjusted as described in the Policy’s “Misstatement of Age or Sex” provision. Any increase or decrease in Specified Amount as a result of such adjustment will likewise increase
      or decrease this Rider’s benefits as described in this Rider’s “Increases in Specified Amount” and “Decreases in Specified Amount” provisions.  Any future Monthly Rider Charges for this Rider will be based on the correct Issue Age and sex, subject to
      any Issue Age and/or Specified Amount limitations.

    Incontestability   Except for
      nonpayment of premium, we will not contest this Rider after it has been In Force during the lifetime of the Insured for 2 years from the Date of Issue.

    A misstatement by you or by the Insured in any application for the Policy or this Rider may be used to void and rescind this Rider.  For a
      Rider that has been In Force for less than 6 months, we may take this action only if the misstatement was material to the issuance of this Rider.  For a Rider that has been In Force for at least 6 months but less than 24 months, we may take this
      action only if the misstatement was material to both the issuance of this Rider and the claim for which benefits are being sought.  No benefits will be paid under this Rider if it is voided.

    Suicide   If at any time this
      Rider was attached to the Policy, and the Insured commits suicide, whether sane or insane, within 2 years from the Date of Issue, the Death Benefit Proceeds will be the amount described in the Policy’s “Suicide” provision, less the amount of any
      payments made for [Flexible Care Cash] and/or Covered Services under this Rider.

    Pre-Existing Conditions Not Excluded   We
      will not deny benefits for Pre-Existing Conditions. This provision does not preclude us from exercising other remedies available at law, in equity or in contract because of misrepresentations.

    Conformity with State Statutes   If
      on the Policy Date any provision of this Rider is in conflict with the statues of the State of Issue, such provision is automatically amended to meet the minimum requirements of such statutes.

    Conformity with Federal Statutes   If
      any provision of this Rider is found not be in compliance with Federal statutes that determine if a policy is a qualified long-term care insurance policy under Federal law, we will amend this Rider, if required to do so to meet the minimum
      requirements necessary to comply with the Federal laws, rules, and regulations.  We will provide you with a copy of such amendment. You may reject any such amendment of this Rider by providing us with Notice that you reject it; however, rejection of
      the changes contained in the amendment may adversely affect the tax qualified status of this Rider and any benefits received under it. You should consult a qualified tax advisor before deciding to reject such an amendment.

    Right to Recovery   If we make
      benefit payments in a total amount which is, at any time, in excess of the benefits properly payable under this Rider, we shall have the right to recover such excess payments from:

    	a.	
            any person or persons to, for, or with respect to whom, such payments were made; and

          

    	b.	
            any entity or organization which should have made such payments.

          

    

    

    	 	 	 
	 		 

    	
            [ ]

            [ President ]

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