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Ameritas Life Insurance Corp.

 

ENHANCED DEATH BENEFIT RIDER

 

This rider is made a part of the policy and is based
on the application and payment of the premium. This rider is subject to the terms and provisions of the policy and this
rider. If there is a conflict between the terms of the policy and the terms of this rider, the rider language controls. This rider
may not be cancelled and will terminate based on the ‘Termination’ provision below.

 

BENEFITS. This rider provides that we will
pay an additional death benefit. This additional death benefit is described below and is called the Enhanced Death Benefit (EDB).

 

The amount of the EDB depends on the date that proof
of death is received. The EDB amount cannot be withdrawn. If the policy to which this rider is attached is jointly
owned, then the additional death benefit is payable upon the death of the first owner.

 

CALCULATION OF THE ENHANCED DEATH BENEFIT. Upon
your death, the EDB equals (A) multiplied by

(B), where:

 

(A) = 0.40; and

(B) = the Benefit Base

 

The Benefit Base and its components are defined as
follows:

 

Benefit Base = the lesser of (1) and (2),
where

(1) = AVD - NPBB; and

(2) = Cap Percentage * Adjusted NP

 

The Benefit Base will never be less than
zero.

 

AVD = the accumulation value on
the date that proof of death is received.

 

NPBB = net premiums used for the determination
of the Benefit Base, which are total premiums paid into the policy less proportional withdrawal adjustments, if any, as
described below. On each policy anniversary, NPBB is reset to the lesser of net premium (NP) or the accumulation value as
of that policy anniversary.

 

NP = net premiums, which are total premiums
paid into the policy less proportional withdrawal adjustments, if any, as described below.

 

Cap Percentage = the percentage shown on
your rider schedule.

 

Adjusted NP = NP reduced by premiums
paid within a certain time prior to the date that proof of death is received. If this date occurs in the first policy
year, there is no reduction for premiums paid prior to this date. If this date occurs in the second policy year, all premiums
paid in the second policy year reduce NP. If this date occurs after the second policy year, only premiums paid within
the 12-month period prior to this date reduce NP.

 

The proportional withdrawal adjustments referred
to in the definitions of NPBB and NP are calculated in the same fashion. The withdrawal adjustment is based on the proportion that
the withdrawal has to the policy accumulation value prior to the withdrawal. The withdrawal adjustment is equal to (A) multiplied
by the quotient of (B) divided by (C) as shown in the formula:

 

A * (B / C)

 

where:

 

(A) = the value of NP (or NPBB) prior to
the withdrawal;

(B) = the withdrawal amount (including
any applicable surrender charges); and

(C) = the policy accumulation value
prior to the withdrawal.

 

EDBR 8-15

    	 

    	 

    

 

RIDER CHARGE. Beginning with the policy
date, each month until the rider terminates, we will deduct a rider charge pro-rata from your fixed account
and subaccounts. The current and maximum charges are shown on the rider schedule. When your rider is issued,
the current charge applies. After the first policy year, we reserve the right to change the current charge at any time;
however, your charge will never exceed the maximum charge.

 

TERMINATION. This rider terminates on the
earliest of the following:

 

(1) the death of an owner; or

(2) the policy maturity date; or

(3) the date that the policy’s accumulation
value reduces to zero.

 

 

AMERITAS LIFE INSURANCE CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

EDBR 8-15Ameritas Life Insurance Corp.

 

MINIMUM PREMIUM RIDER

 

This rider is made a part of the policy and is based
on the application and payment of the premium. This rider is subject to the terms and provisions of the policy and this
rider. If there is a conflict between the terms of the policy and the terms of this rider, the rider language controls. This rider
may not be cancelled and will terminate when the policy to which it is attached terminates or the maturity date.

 

Subject to the terms and conditions stated below,
this rider changes the minimum initial premium requirement to the amount shown on your rider schedule. Additional premium
requirements provided in the policy are unaffected by this rider.

 

RIDER CHARGE. Beginning with the policy
date, each month a rider charge will be assessed based on the accumulation value at that time and the charge shown on
your rider schedule. The rider charge will be deducted pro-rata from the fixed account and subaccounts.
When your rider is issued, the current charge applies. After the first policy year, we reserve the right to change
the current charge at any time; however, your charge will never exceed the maximum charge.

 

WAIVER OF CHARGES. On each policy anniversary,
we will compare your accumulation value to the waiver threshold stated on your rider schedule. In the event
your accumulation value exceeds the waiver threshold, we will waive charges for this rider. Once waived, the charges
for this rider will be waived for all subsequent policy years.

 

AMERITAS LIFE INSURANCE CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

MPR 8-15Ameritas
Life
Insurance
Corp.

 

NO
SURRENDER CHARGE
RIDER

 

This
rider
is made
a part
of the
policy
and is
based
on the
application
and payment
of the
premium.
 This
rider
is subject
to the
terms
and provisions
of the
policy
and this
rider.
 If
there
is a
conflict
between
the
terms
of the
policy
and the
terms
of this
rider,
the
rider language
controls.
 This
rider
may
not be
cancelled
and will
terminate
when
the
policy
to which
it is
attached
terminates
or the
maturity
date.

 

BENEFITS.
 By
attachment
of this
rider
to the
policy,
all
policy
references
to surrender
charges
are
not applicable.
 The
‘Free
Withdrawal
Amount’
provision
of the
policy
is also
inapplicable
and removed
entirely.

 

PREMIUMS.
 The
‘Allocating
Premium’
provision
of the
policy
is amended
to include
the
following
additional
paragraph:

 

Allocation
of more
than
25% of
any premium
payment
to the
fixed
account
must
first
receive
our approval.
 If
prior
approval
is not
received,
we reserve
the
right
to reallocate
the
excess
above
25% of
the
premium
payment
pro-rata
among
your remaining
investment
options.

 

INVESTMENT
OPTIONS.
 The
‘Fixed
Account Option’
provision
of the
policy
is revised
as follows:

 

Replace
the
sentence:

 

We
reserve
the
right,
at our
sole
discretion,
to limit
or refuse
premium
payments
and/or
transfers
allocated
to the
fixed
account
option
if we
are
crediting
an interest
rate
less
than
or equal
to the
nonforfeiture
interest
rate
shown
on the
policy
schedule.

 

With
the
following:

 

We
reserve
the
right,
at our
sole
discretion,
to limit
or refuse
premium
payments
and/or
transfers
allocated
to the
fixed
account
option.
 We
will
provide
you
at least
30 days
advance
written
notification
before
exercising
this
right.
 We
will
provide
you
with
written
notice
when
we lift
the
restriction,
in whole
or in
part.

 

TRANSFERS.
 The
Maximum
Transfer
into
Fixed
Account
amount
shown
on your
policy
schedule
is revised
to be
10% of
the
separate
account
value
as of the
previous
policy
anniversary,
per policy
year.

 

RIDER
CHARGE.
 Beginning
with
the
policy
date,
each
month
until
the
rider
terminates,
we will
deduct
a rider
charge
pro-rata
from
your
fixed
account
and subaccounts.
 The
current
and maximum
charges
are
stated
on your
rider
schedule.
 When
your
rider
is issued,
the
current
charge
applies.
 After
the
first
policy
year,
we reserve
the right
to change
the
current
charge
at any
time;
however,
your
charge
will
never
exceed
the maximum
charge.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

NSCR
8-15Ameritas
Life
Insurance
Corp.

 

FOUR-YEAR
SURRENDER CHARGE
RIDER

 

This
rider
is made
a part
of the
policy
and is
based
on the
application
and payment
of the
premium.
 This
rider
is subject
to the
terms
and provisions
of the
policy
and this
rider.
 If
there
is a
conflict
between
the
terms
of the
policy
and the
terms
of this
rider,
the
rider language
controls.
 This
rider
may
not be
cancelled
and will
terminate
when
the
policy
to which
it is
attached
terminates
or the
maturity
date.

 

BENEFITS.
 By
attachment
of this
rider
to the
policy,
the
following
surrender
charge
schedule
replaces
the surrender
charge
schedule
noted
on your
policy
schedule.

 

	Completed Years Since Receipt of Premium	Surrender Charge Percentage
	0	8%
	1	8%
	2	8%
	3	7%
	4 and thereafter	0%

 

RIDER
CHARGE.
 Beginning
with
the
policy
date,
each
month
until
the
rider
terminates,
we will
deduct
a rider
charge
pro-rata
from
your
fixed
account
and subaccounts.
 The
current
and maximum
charges
are
stated
on your
rider
schedule.
 When
your
rider
is issued,
the
current
charge
applies.
 After
the
first
policy
year,
we reserve
the right
to change
the
current
charge
at any
time;
however,
your
charge
will
never
exceed
the maximum
charge.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

4YSCR
8-15Ameritas
Life
Insurance
Corp.

 

RETURN
OF PREMIUM
DEATH
BENEFIT
RIDER

 

This
rider
is made
a part
of the
policy
and is
based
on the
application
and payment
of the
premium.
 This
rider
is subject
to the
terms
and provisions
of the
policy
and this
rider.
 If
there
is a
conflict
between
the
terms
of the
policy
and the
terms
of this
rider,
the
rider language
controls.
 This
rider
may
not be
cancelled
and will
terminate
based
on the
‘Termination’
provision
below.

 

BENEFITS.
 This
rider
provides
that
we will
pay a
guaranteed
minimum
death
benefit
(GMDB)
that
is equal
to the
greater
of the
policy
death
benefit
as described
in the
‘Death
Benefit’
provision
of the
policy
and an
amount
described
below.

 

The
amount
of the
GMDB
depends on
the
date
that
proof
of death
is received.
 If
you
die
prior
to this
rider
being
terminated,
the
death
benefit
is payable
under this
rider.
 The
GMDB
amount
cannot
be withdrawn.
 If
the policy
to which
this
rider
is attached
is jointly
owned,
then
the
death
benefit
is payable
upon the
death
of the
first
owner.

 

The
amount
of the
death
benefit
will
be included
in the
annual report.

 

CALCULATION
OF THE
GUARANTEED
MINIMUM
DEATH
BENEFIT.
 The
GMDB
equals
the
greater
of policy
accumulation
value and
the
adjusted
guaranteed
premium
as described
below.

 

ADJUSTED
GUARANTEED
PREMIUM.
 The
adjusted
guaranteed
premium
is the
total
premium
paid
into
the policy
less
an adjustment
for
each
withdrawal
based
on the
proportion
that
the
withdrawal
amount
has to
the policy
accumulation
value prior
to the
withdrawal.
 The
adjusted
guaranteed
premium
after
a withdrawal
will
be equal to
(A) minus
the
result
of multiplying
(A) by
the
quotient
of (B)
divided
by (C)
as shown
in the
formula:

 

A
- (A
* (B /
C))

 

where:

 

(A)
= the
adjusted
guaranteed
premium
prior
to the
withdrawal;

(B)
= withdrawal
amount
(including
any applicable
surrender
charges);

(C)
= policy’s
accumulation
value prior
to the
withdrawal.

 

RIDER
CHARGE.
 Beginning
with
the
policy
date,
each
month
until
the
rider
terminates,
we will
deduct a
rider
charge
pro-rata
from your
fixed
account
and subaccounts.
The
current
and maximum
charges
are
shown
on the
rider
schedule.
 When
your rider
is issued,
the
current
charge
applies.
 After
the first
policy
year,
we reserve
the right
to change
the
current
charge
at any
time;
however,
your
charge
will
never
exceed
the
maximum
charge.

 

TERMINATION.
 This
rider
terminates
on the
earliest
of the
following:

(1)
 the
death
of an
owner;
or

(2)
 the
policy
maturity
date;
or

(3)
 the
date
that
the
policy’s
accumulation
value reduces
to zero.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

ROP
8-15

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