Document:

EX-4.a

 RIDER 

This Rider is made a part of the Contract to which it is attached. All terms have the same meanings as in the Contract. 

Prior to the Annuity Date, We will waive the Contingent Deferred Sales Charge upon the Participant’s request for full or partial
surrender of the Contract Value. Such benefit shall be available if: 
  

	1.	 The Participant is confined to a Nursing Home and/or Hospital for at least 60 consecutive days while the Contract is in force;

  

	2.	 A surrender or partial withdrawal request and adequate proof of confinement are received by Us either while the Participant is confined or within
90 days of the Participant’s discharge from the Nursing Home or Hospital; and 

  

	3.	 Confinement in a Nursing Home and/or Hospital is prescribed by a Physician and is Medically Necessary. 

A Market Value Adjustment (MVA) shall not be applied to amounts withdrawn from the Fixed Account whether such application results in a gain or
a loss in the Contract Value. 
 This Rider may not be exercised before the expiration of 90 days from the Contract Date. 

A new 60 day confinement period must be satisfied each time the Participant becomes newly confined (whether for the same or unrelated causes),
if services by a Nursing Home and/or Hospital have not been provided for a period of at least six months. If services for related causes were provided less than six months from current receipt of services, a new 60 day confinement need not be
satisfied. 
 If the Participant’s request for waiver of Contingent Deferred Sales Charges is denied, the surrender proceeds will not
be dispersed until the Participant is notified by Us of the denial and provided with the opportunity to reapply for the surrender proceeds or reject the surrender proceeds. 

DEFINITIONS 
 “Nursing Home”
means a Skilled Nursing Facility, an Intermediate Care Facility, or a Residential Care facility. Nursing Home does not mean: 
  

	1.	 A home for the aged, a community living center, or a place that primarily provides domiciliary, residency or retirement care; or

  

	2.	 A place owned or operated by a member of the Participant’s immediate family. Immediate family members include the Participant’s spouse,
children, parents, grandparents, grandchildren, siblings, and in-laws. 

  

					
	VE-7036 RI (11/14)				

 “Skilled Nursing Facility” is a facility which: 

 

	1.	 Is located in the United States or its territories; 

	2.	 Is licensed and operated as a Skilled Nursing Facility according to the laws of the jurisdiction in which it is located; 

	3.	 Provides skilled nursing care under the supervision of a licensed physician; 

	4.	 Provides continuous 24 hours a day nursing services by or under the supervision of a registered graduate professional nurse (R.N.); and

	5.	 Maintains a daily medical record of each patient. 

“Intermediate Care Facility” is a facility which: 
  

	1.	 Is located in the United States or its territories; 

	2.	 Is licensed and operated as an Intermediate Care Facility according to the laws of the jurisdiction in which it is located; 

	3.	 Provides continuous 24 hours a day nursing service by or under the supervision of a registered graduate professional nurse (R.N.), or a licensed
practical nurse (L.P.N.); and 

	4.	 Maintains a daily medical record of each patient. 

“Residential Care Facility” is a facility which: 
  

	1.	 Is located in the United States or its territories; 

	2.	 Is licensed and operated as an Residential Care Facility according to the laws of the jurisdiction in which it is located; and

	3.	 Provides nursing care under the supervision of a registered graduate professional nurse (R.N.). 

“Hospital” is a facility which: 
  

	1.	 Is located in the United States or its territories; 

	2.	 Is licensed as a Hospital by the jurisdiction in which it is located; 

	3.	 Is supervised by a staff of licensed physicians; 

	4.	 Provides nursing services 24 hours a day by, or under the supervision of, a registered nurse (R.N.); 

	5.	 Operates primarily for the care and treatment of sick and injured persons as inpatients for a charge; and 

	6.	 Has access to medical and diagnostic facilities. 

“Physician” is any person duly licensed and legally qualified to diagnose and treat sickness and injuries. He or she must be
providing services within the scope of his or her license. Physicians do not include members of the Participant’s immediate family. 

“Medically Necessary” means appropriate and consistent with the diagnosis in accord with accepted standards of practice and which
could not have been omitted without adversely affecting the individual’s condition. 

  

					
	VE-7036 RI (11/14)				

 This Rider shall take effect on the Issue Date of the Policy. This Rider shall terminate on the
date a life contingent annuity option is elected, since Contract Value will cease to be available on that date. 
 THE VARIABLE ANNUITY LIFE INSURANCE
COMPANY 
  
 

 

  

					
	VE-7036 RI (11/14)EX-4.b

 THE VARIABLE ANNUITY LIFE INSURANCE COMPANY 

RETURN OF PURCHASE PAYMENT 

OPTIONAL DEATH BENEFIT ENDORSEMENT 

This Endorsement is a part of the Contract to which it is attached. Should any provision in this Endorsement conflict with the Contract, the
provisions of this Endorsement will prevail. 
 Capitalized terms within this Endorsement that are not defined in this Endorsement are defined or
otherwise described in the Contract to which this Endorsement is attached, including any endorsements or other riders attached to such Contract. 

This Endorsement replaces the “AMOUNT OF DEATH BENEFIT” and “SPOUSAL BENEFICIARY CONTINUATION” provisions under the
“DEATH PROVISIONS” section in the Contract. 
 TABLE OF CONTENTS 

 

					
	 Definitions
		 	Page 1	  
	 Endorsement Data Page
		 	Page 1	  
	 Amount of Death Benefit
		 	Page 2	  
	 Spousal Beneficiary Continuation
		 	Page 2	  

 DEFINITIONS 

For the purposes of this Endorsement, the following Definitions apply: 

MAXIMUM ANNUAL WITHDRAWAL AMOUNT 
 Maximum
Annual Withdrawal Amount refers to guaranteed Withdrawals applicable only if You have elected an optional guaranteed living benefit or guaranteed minimum withdrawal benefit and have not terminated the benefit under this Contract. 

NET PURCHASE PAYMENT(S) 
 Net Purchase Payment(s) are the
sum of all Purchase Payment(s), reduced for each Withdrawal in the same 
 proportion that the Contract Value is reduced by each such Withdrawal. 

WITHDRAWAL ADJUSTMENTS 
 Withdrawal
Adjustments refer to the term used to calculate how the amount of the Death Benefit will be adjusted for Withdrawals depending on the amount of the Withdrawal and whether a guaranteed living benefit or guaranteed minimum withdrawal benefit is
elected and has not been terminated. 
 ENDORSEMENT DATA PAGE 

 

			
	 [OPTIONAL RETURN OF PURCHASE PAYMENT DEATH BENEFIT CHARGE:
		Annual fee of [0.25%] of the average daily ending value of the assets attributable to the Accumulation Units of the Variable Portfolio(s) to which Your Contract is allocated. We deduct this charge daily. This charge is in
addition to other charges, fees and expenses described in Your Contract].

 For Inquiries Call: [1-800-445-7862] 

  

					
	VE-8022 (11/14) 		1		

 AMOUNT OF DEATH BENEFIT 

Upon Your death, We will pay a Death Benefit to the Beneficiary upon Our receiving all Required Documentation. The Death Benefit calculation is different
depending on whether a guaranteed living benefit or guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 
 If You
did not elect a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Net Purchase Payment(s) received prior to the Owner’s [86th] birthday. 

If You elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 

 

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	Purchase Payment(s) received prior to the Owner’s [86th] birthday reduced by (a) or (b) as follows: 

 

	 	(a)	any Withdrawal Adjustments if the benefit has not been terminated; or 

  

	 	(b)	any Withdrawal Adjustments prior to the date the benefit is terminated, and reduced proportionately by any Withdrawals on and after the date the benefit is terminated. 

Spousal Beneficiary Continuation 
 If the Spousal
Beneficiary continues the Contract on the Continuation Date, the amount continued is calculated on the Business Day during which We receive all Required Documentation. The Death Benefit calculation is different depending on whether a guaranteed
living benefit or a guaranteed minimum withdrawal benefit has been elected and if the benefit has been terminated. 
 If the Spousal Beneficiary was Age [85
or younger] on the Continuation Date, and if the Owner did not elect a guaranteed living benefit or a guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 

 

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date and prior to the Spousal Beneficiary’s [86th]
birthday, and reduced proportionately by any Withdrawals after the Continuation Date. 

 If the Spousal Beneficiary was Age [85 or younger] on
the Continuation Date, and if the Owner elected a guaranteed living benefit or guaranteed minimum withdrawal benefit, We will calculate the Death Benefit as the greater of: 
  

	 	1.	The Contract Value on the Business Day during which We receive all Required Documentation; or 

  

	 	2.	The Contract Value on the Continuation Date, plus Purchase Payment(s) received since the Continuation Date and prior to the Spousal Beneficiary’s [86th]
birthday, and reduced by (a) or (b): 

  

	 	(a)	any Withdrawal Adjustments after the Continuation Date if the benefit has not been terminated; or 

  

					
	VE-8022 (11/14) 		2		

	 	(b)	 any Withdrawal Adjustments after the Continuation Date and prior to the date the benefit is terminated, and reduced proportionately by any
Withdrawals after the Continuation Date and on and after the date the benefit is terminated. 

 If the Spousal Beneficiary
was Age [86 or older] on the Continuation Date, the amount of the Death Benefit is the Contract Value on the Business Day during which We receive all Required Documentation.  

Withdrawal Adjustments 
 If a
guaranteed living benefit or guaranteed minimum withdrawal benefit is elected and the benefit has not been terminated, the amount of the Death Benefit will be adjusted for Withdrawals as follows: 

 

	 	a.	 If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken prior to Your [81st] birthday and are less than or equal to the Maximum Annual Withdrawal Amount, the amount of adjustment will be the amount of each Withdrawal; or 

 

	 	b.	 If the current Contract Year’s cumulative Withdrawals, including the current Withdrawal, are taken on and/or after Your [81st] birthday and/or are in excess of the Maximum Annual Withdrawal Amount, the amount of adjustment is equal to the proportion that the amount of each Withdrawal in excess of the Maximum Annual
Withdrawal Amount reduces the Contract Value. 

 Signed for the Company to be effective on the Contract Date. 

 
 

 

  

					
	VE-8022 (11/14) 		3

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