Document:

Exhibit

	
	
	Page 1 
PA157                                                              (5/02)

ALLSTATE LIFE INSURANCE COMPANY 
 (herein called "we" or "us")
Spousal Protection Benefit Rider
This rider was issued because you selected the Spousal Protection Benefit Rider. This rider modifies the benefit provided by your Contract, to the extent described below, and the charge for this rider is in addition to charges defined in your Contract.
As used in this rider, "Contract" means the Contract or Certificate to which this rider is attached.
For purposes of this rider, "Rider Date" is the date this rider was made a part of your Contract: xx/xx/xxxx
The annualized Mortality and Expense Risk Charge for this rider is .15%
The following changes are made to your Contract.
I. Co-Annuitant
The Co-Annuitant must be your spouse. As a condition of this rider, your spouse must also be the sole Primary Beneficiary. You may change the Co-Annuitant to a new spouse at any time by providing written notice and proof of remarriage in a form satisfactory to us. Once we accept a change, the change will take effect on the date you signed the request. Each change is subject to any payment we make or other action we take before we accept it. At any time, there may only be one Co-Annuitant under your Contract.
The Co-Annuitant will be deemed to be an Annuitant under the Contract during the Accumulation Phase except under the following circumstances:
o The Death of Annuitant provision does not apply on the death of the Co-Annuitant. 
o The latest Payout Start Date will be determined based solely upon your age.
II. Death of Co-Annuitant
If the Co-Annuitant dies prior to the Payout Start Date, then subject to the following conditions, the Contract will be continued according to Option D under the Death of Owner provision of your Contract:
o The Co-Annuitant must have been your legal spouse on the date of his or her death; and 
o Option D of the Death of Owner provision of your Contract has not been previously exercised.
The Contract may only be continued once under Option D of the Death of Owner provision.
The Spousal Protection Benefit Rider will terminate and the corresponding Mortality and Expense Risk Charge for this rider will cease as of the date we determine the Death Proceeds.
III. Mortality and Expense Risk Charge
The annualized Mortality and Expense Risk Charge, for this rider, is shown on page 1 of this rider. After the Rider Date, the Mortality and Expense Risk Charge for this rider will not change.

	
	
	Page [PG NUMBER] 
PA157                                                                 (5/02) 
 
IV.      Termination of this Rider

You may terminate this rider at any time by written notice in a form satisfactory to us. Otherwise, this Spousal Protection Benefit Rider will terminate and the corresponding Mortality and Expense Risk Charge for this rider will cease on the earliest of the following to occur.
. On the date the rider is terminated under Section II, above; or . Upon the death of the Owner; or . On the date the Contract is terminated; or . On the Payout Start Date.
Except as amended by this rider, the Contract remains unchanged.

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Secretary Chairman and Chief Executive OfficerExhibit

	
	
	Page 1 
     PA134

ALLSTATE LIFE INSURANCE COMPANY 
 (herein called "we" or "us")
Amendatory Endorsement for Charitable Remainder Trust
As used in this endorsement, "Contract" means the Contract or Certificate to which this endorsement is attached.
If the Contract is owned by a Charitable Remainder Trust, the following changes are made to your Contract:
(a) The following language is added to the Free Withdrawal Amount provision in your Contract:
The Free Withdrawal Amount available in a Contract Year is equal to the greater of the Free Withdrawal Amount stated in your Contract or the amount of earnings in the Contract as of the beginning of the Contract Year that have not been previously withdrawn.
(b) The first paragraph of the Withdrawal Charge provision in your Contract is deleted and replaced with the following paragraph:
A Withdrawal Charge may be assessed on certain withdrawals. For purposes of assessing the Withdrawal Charge, we assume that earnings are withdrawn first, then purchase payments, beginning with the oldest payment. When all purchase payments have been withdrawn, additional withdrawals will not be assessed a Withdrawal Charge.
Except as amended in this endorsement, the Contract remains unchanged. 
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Secretary Chairman and Chief Executive OfficerExhibit

PA136
ALLSTATE LIFE INSURANCE COMPANY 
 (herein called "we" or "us")
Amendatory Endorsement for Grantor Trust
As used in this endorsement, "Contract" means the Contract or Certificate to which this endorsement is attached.
The following changes are made to your Contract.
If the Owner of the Contract is a grantor trust not established by a business, the following Death of Annuitant for Grantor Trust provision applies upon the death of the Annuitant in place of the Death of Annuitant provision in your Contract:
Death of Annuitant for Grantor Trust If the Annuitant dies prior to the Payout Start Date and the Owner is a grantor trust not established by a business, the new Owner will be the Beneficiary(ies) as described in the Beneficiary provision.
If there is more than one new Owner taking a share of the Death Proceeds, described in the Death Proceeds provision of the Contract, each new Owner will be treated as separate and independent Owner of his or her respective share of the Death Proceeds. Each new Owner will exercise all rights related to his or her share of the Death Proceeds, including the sole right to elect one of the Option(s) described in the Contract, subject to any restrictions previously placed upon the new Owner. Each new Owner may designate a Beneficiary(ies) for his or her respective share, but that designated Beneficiary(ies) will be restricted to the Option chosen by the original new Owner.
If any new Owner is a non-living person, all new Owners will be considered to be non-living persons for the below purposes.
The Options available to the new Owner will be determined by the applicable following Categories in which the new Owner is defined. If the new Owner took ownership as the Beneficiary, the new Owner's Options will be subject to any restrictions previously placed upon the Beneficiary. An Option will be deemed to have been chosen on the day we receive written notification in a form satisfactory to us.

	
	
	Category 1.       If the Annuitant's spouse is the sole new Owner of the 
                  entire Contract, the new Owner must choose from Options A, B, 
                  C or D, described in the Death of Owner provision in your 
                  Contract. If the new Owner does not choose one of these 
                  Options, Option D will apply. 
 
Category 2.       If the new Owner is a living person who is not the 
                  Annuitant's spouse, or if there are multiple living new 
                  Owners, the new Owner(s) must choose from Options A, B or C, 
                  described in the Death of Owner provision in your Contract. If 
                  a new Owner does not choose Option A, B or C, Option C will 
                  apply for such new Owner. 
 
Category 3.       If the new Owner is a corporation, trust or other 
                  non-living person, the new Owner must choose from Options A or 
                  C, described in the Death of Owner provision in your Contract. 
                  If the new Owner does not choose Option A or C, Option C will 
                  apply.

Under any of the Options, all ownership rights, subject to the conditions stated in this provision or any restrictions previously placed upon the Beneficiary, are available to the new Owner from the date of the Annuitant's death to the date on which the Death Proceeds are paid.
We reserve the right to offer additional Death of Annuitant for Grantor Trust Options.

If the Annuitant dies after the Payout Start Date, refer to the Payout Phase section of your Contract.
Except as amended by this endorsement, the Contract remains unchanged.

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Secretary Chairman and Chief Executive OfficerExhibit

LU10164 (2/02)
ALLSTATE LIFE INSURANCE COMPANY 
 (herein called "we" or "us")
Amendatory Endorsement for Waiver of Charges
As used in this endorsement, "Contract" means the Contract or Certificate to which this endorsement is attached.
The benefits provided by this endorsement do not impact any tax liabilities or IRS penalties incurred as a result of a withdrawal. You are responsible for all such liabilities and penalties.
The following provisions are added to your Contract:
Waiver for Confinement in Long Term Care Facility or Hospital We will waive any applicable Withdrawal Charge if at least 30 days after the issue date any Owner, or, if the Owner is not a living individual, the Annuitant is first confined to a Long Term Care Facility or Hospital under the following conditions:
o confinement is for at least 90 consecutive days; 
o confinement is prescribed by a Physician; 
o confinement is Medically Necessary; and 
o the request for a withdrawal and Due Proof of confinement are received by us no later than 90 days after discharge.
"Physician" is a licensed medical doctor (M.D.) or a licensed doctor of osteopathy (D.O.) practicing within the scope of his or her license. For purposes of this endorsement, "Physician" does not include any Owner or Annuitant or the spouse, children, parents, grandparents, grandchildren, siblings, or in-laws of any Owner or Annuitant.
"Due Proof" includes, but is not limited to, a letter signed by a Physician stating the dates the Owner or Annuitant was confined, the name and location of the Long Term Care Facility or Hospital, a statement that the confinement was Medically Necessary, and, if released, the date the Owner or Annuitant was released from the Long Term Care Facility or Hospital.
"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.
"Long Term Care Facility" is a facility which:
1. is located in the United states or its territories; 
2. is licensed by the jurisdiction in which it is located; 
3. provides custodial care under the supervision of a registered nurse (R.N.); and 
4. can accommodate three or more persons.
"Hospital" is a facility which:
1. is licensed as a hospital by the jurisdiction in which it is located; 
2. is supervised by a staff of licensed physicians; 
3. provides nursing services 24 hours a day by, or under the supervision of, a registered nurse (R.N.); 
4. operates primarily for the care and treatment of sick or injured persons as inpatients for a charge; and 
5. has access to medical, diagnostic and major surgical facilities.
Waiver for Terminal Illness We will waive any applicable Withdrawal Charge if at least 30 days after the issue date any Owner, or, if the Owner is not a living individual, the Annuitant is first diagnosed by a Physician as having a Terminal Illness. The request for the withdrawal must be received by us at least 30 days after the issue date. Due Proof of the diagnosis must be given to us prior to, or at the time of, the withdrawal request. We may require a second opinion at our expense by a Physician chosen by us. In the event that the first and second Physicians disagree, we will require a third opinion at our expense by a Physician chosen by us. We will honor a consensus of any two of the three Physicians.
"Physician" is a licensed medical doctor (M.D.) or a licensed doctor of osteopathy (D.O.) practicing within the scope of his or her license. For purposes of this endorsement, "Physician" does not include any Owner or Annuitant or the spouse, children, parents, grandparents, grandchildren, siblings, or in-laws of any Owner or Annuitant.
"Due Proof" includes, but is not limited to, a letter signed by a Physician stating that the Owner or Annuitant has a Terminal Illness and the date the Terminal Illness was first diagnosed.
"Terminal Illness" is a condition which is expected to result in death within one year from the date of onset for 80% of the diagnosed cases.
Waiver for Unemployment You may request a one time waiver of any applicable Withdrawal Charge on a partial or full withdrawal prior to the Payout Start Date if:
1. you become unemployed at least 1 year after the issue date of the Contract; and
2. you receive Unemployment Compensation for at least 30 consecutive days as a result of that unemployment; and
3. this benefit is exercised within 180 days of your initial receipt of Unemployment Compensation.
If the Owner is not a living individual, then the above three conditions apply to the Annuitant.
This benefit may be exercised only once while the Contract is in force.
Before we waive Withdrawal Charges, you must give us Due Proof that the Owner or Annuitant has been unemployed and have been granted Unemployment Compensation for at least 30 consecutive days. You must give us Due Proof prior to, or at the time of, the withdrawal request.
"Unemployment Compensation" means unemployment compensation received from a unit of government in the U.S. (state or federal).
"Due Proof" includes, but is not limited to, a legible photocopy of an Unemployment Compensation payment that meets the above described criteria with regard to dates and a signed letter from you stating that the Owner or Annuitant meets the above described criteria.
Except as amended in this endorsement, the Contract remains unchanged.

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Secretary Chairman and Chief Executive Officer

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