Document:

The Lincoln National Life Insurance Company

    Bonus Rider

    This Rider is a part of the Policy (the “Policy”) to which it is attached. 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.

    Subject to the “Bonus Rider Conditions” provision below, this Rider uses the change in value of an Index to calculate a credit that will be
      applied to the Separate Account Value or Fixed Account Value (the Bonus Rider Benefit Amount), subject to the change in the value of the Index and certain factors shown in the Policy Specifications, including a guaranteed minimum rate.  There is an
      additional charge for this Rider.

    The Bonus Rider does not directly participate in any stock, bond, or equity investments.

    This Rider contains the following Non-Guaranteed Elements (NGEs): Index Participation Rate. Please refer to this Rider’s
      Policy Specifications.

    Table of Contents

    Provision Page

    Definitions 1

    Bonus Rider Benefit Provisions 2

    Benefit Payment Provisions 3

    Effect of Other Riders and Benefits on the Bonus Rider 3

    General Provisions 4

    Definitions

    Bonus Option Duration is the length
      of time it takes for a Bonus Option to mature. The Bonus Option Duration is shown in the Policy Specifications.

    Bonus Option Maturity Date   The date
      each Bonus Option matures, which is determined from the Bonus Option Start Date plus the Bonus Option Duration shown in the Policy Specifications.

    Bonus Option Start Date   The date a
      Bonus Option is started.  Each Bonus Option has its own Bonus Option Start Date.  Bonus Option Durations and Bonus Option Maturity Dates are measured from this date.  The Bonus Option Start Date is established on the 15th calendar day of the month
      the Bonus Option is started.  If a Bonus Option Start Date or Bonus Option Maturity Date coincides with a weekend, customary holiday, or a date on which the New York Stock Exchange is closed, the value of the Index associated with that Bonus Option
      at the close of the next business day will be used.

    Closing Value of an Index   The value
      of an Index as of the close of the New York Stock Exchange, which is usually 4:00 P.M. Eastern Time.  If no closing value is published, we will use the closing value for the next day for which a closing value is published.

    Index   An external financial
      benchmark used as a basis to determine the Bonus Rider Benefit Amount, if any.  The Index is shown in the Policy Specifications.

    Initial Bonus Option Start Date   The
      15th day of the calendar month following the Policy’s “Right to Examine Period” or the next business day, if this day coincides with a weekend, customary holiday, or a date on which the New York Stock Exchange is closed.  Subject to the “Bonus Rider
      Conditions” provision below, this is the first date that a Bonus Option will be started.

    

    

    
      
        

    

    Bonus Rider Benefit Provisions

    Bonus Rider Benefit Amount   Subject
      to the “Bonus Rider Conditions” provision below, this Rider can provide a Bonus Rider Benefit Amount that is determined by the change in the value of an Index and certain factors shown in the Bonus Rider’s section of the Policy Specifications. 
      Please refer to the Bonus Rider section of the Policy Specifications for detailed information regarding the calculation of the Bonus Rider Benefit Amount and factors used to calculate the Bonus Rider Benefit Amount.

    Following the Policy’s “Right to Examine Period”, each calendar month this Rider is In Force and subject to the “Bonus Rider Active and
      Inactive Elections” provision below, you can elect to have the Rider be active or inactive.  If this Rider is active and subject to the “Bonus Rider Conditions” provision below, a
      Bonus Option will be started on the Initial Bonus Option Start Date and each subsequent Bonus Option Start Date. If this Rider is inactive, Bonus
      Options will be not started on subsequent Bonus Option Start Dates. Once you elect to have this Rider be active or inactive, you do not need to provide us with new instructions unless you intend to change your Election.

    Any Bonus Rider Benefit Amount credited will become part of the Accumulation Value which is subject to charges and deductions.

    Bonus Option   Each time a monthly
      Bonus Rider Charge is subtracted from the Separate Account Value, a new Bonus Option is started. Each Bonus Option will credit a Bonus Rider Benefit Amount, if any, to the Accumulation Value on its Bonus Option Maturity Date as explained in the
      “Payment of Bonus Rider Benefit Amount” provision below.  Please refer to the Bonus Rider section of the Policy Specifications for detailed information regarding the calculation of the Bonus Rider Benefit Amount and factors used to calculate the
      Bonus Rider Benefit Amount.

    Bonus Rider Conditions   In order for
      a Bonus Option to be started, the following conditions must be met on the Initial Bonus Option Start Date and each Bonus Option Start Date:

    
      	
              a.

            	
              The Policy must be In Force;

            

    

    
      	
              b.

            	
              The Bonus Rider must be active;

            

    

    
      	
              c.

            	
              The Policy must have Separate Account Value;

            

    

    
      	
              d.

            	
              The Policy is not in a grace period;

            

    

    
      	
              e.

            	
              The Policy’s death benefit is not being accelerated under any Accelerated Death Benefit for Long-Term Care Services Rider; and

            

    

    
      	
              f.

            	
              The Insured is living (for a single life Policy) or at least one Insured is living (for a joint survivorship Policy).

            

    

    In order for you to receive a Bonus Rider Benefit Amount, the following conditions must be met on a Bonus Option Maturity Date:

    
      	
              a.

            	
              The Index Growth Rate must be positive as explained in the Bonus Rider’s section of the Policy Specifications;

            

    

    
      	
              b.

            	
              The Policy must be In Force; and

            

    

    
      	
              c.

            	
              The Insured is living (for a single life Policy) or at least one Insured is living (for a joint survivorship Policy).

            

    

    Any Bonus Rider Benefit Amount will be applied as explained in the ”Payment of Bonus Rider Benefit Amount” provision below.

    Bonus Rider Active and Inactive Elections   Each
      calendar month this Rider is In Force, you can elect to have the Rider be active or inactive. We must receive your Election to make this Rider active or inactive no later than two business days prior to a Bonus Option Start Date.

    If we receive your Election to make this Rider active one business day prior to, or on a Bonus Option Start Date the activation will be delayed until the next available Bonus Option Start Date.  If we receive your Election to make this Rider inactive one business day prior to, or on a Monthly Bonus Option Date the deactivation will be delayed until the next available Bonus Option Start Date.

    
      
        

    

    Bonus Rider Charge   One business day prior to the
      Initial Bonus Option Start Date and one business day prior to each Bonus Option Start Date that the “Bonus Rider Conditions” provision is met, a monthly Bonus Rider Charge will be subtracted from the Separate Account Value. The Bonus Rider Charge
      will be subtracted from any Sub-Account(s) in the same proportion as the balances invested in the total of such Sub-Account(s) as of the Bonus Option Start Date. The Bonus Rider Charge is determined as follows:

    
      	
              a.

            	
              the monthly Bonus Rider Charge Rate shown in the Policy Specifications;

            

    

    
      	
              b.

            	
              multiplied by the Separate Account Value on the Bonus Option Start Date.

            

    

    The Bonus Rider Charge will not be subtracted from the Policy’s Fixed Account; it will only be subtracted from the Separate Account Value.

    Factors Used In No-Lapse Guarantee Rider
        Calculations   If any No-Lapse Enhancement Rider is attached to the Policy and In Force, the No-Lapse Guarantee Rider’s No-Lapse Value Premium Loads are shown in the Policy Specifications and include a No-Lapse Value Premium Load for this
      Rider.

    Discontinuation Of or Substantial Change To
        an Index   If an Index is discontinued, or if an Index calculation changes substantially, we will select an alternative Index and will send Notice to you and any assignee.

    Benefit Payment Provisions

    Payment of Bonus Rider Benefit Amount  
      If your Policy has Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Sub-Account(s) in the same proportion as the balances invested in the total of such account(s) as of the Bonus Option
      Maturity Date.

    If your Policy does not have Separate Account Value on a Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the
      Fixed Account.

    Grace Periods and the Bonus Rider   If
      the Policy is in a grace period and this Rider is active, Bonus Options will not be started. However, if the Policy is in a grace period on a
      Bonus Option Maturity Date, any Bonus Rider Benefit Amount will be applied to the Accumulation Value as explained in the “Payment of Bonus Rider Benefit Amount” provision above.

    Full Surrender   If you request a
      full surrender of your Policy with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for those Bonus Option(s).

    Death of the Insured/Second Death   If
      the Insured’s death (for a single life Policy) or Second Death (for a joint survivorship Policy) occurred with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), you will not receive any Bonus Rider Benefit Amount(s) for
      those Bonus Option(s).

    Effect of Other Riders and Benefits on the Bonus Rider

    If any of the following Riders are attached to your Policy, the Riders may have an impact on the Bonus Rider.

    Waiver of Monthly Deduction Benefit Rider:
      If the Insured is on Total Disability, as provided and defined under any Waiver of Monthly Deduction Rider, the Bonus Rider will be inactive.

    Accelerated Death Benefit for Long-Term Care
        Services Rider: While the Policy’s death benefit is being accelerated under the Accelerated Death Benefit for Long-Term Care Services Rider:

    
      	
              1.

            	
              No Bonus Rider Charge will be subtracted from the Policy;

            

    

    
      	
              2.

            	
              No new Bonus Options will be started; and

            

    

    
      	
              3.

            	
              If there are any Bonus Option(s) when acceleration of the Policy’s death benefit begins, any Bonus Rider Benefit Amount(s) will be
                applied to the Fixed Account.

            

    

    If acceleration of the Policy’s death benefit stops under the Accelerated Death Benefit for Long-Term Care Services Rider, you transfer
      Accumulation Value into the Sub-Account(s), and the Bonus Rider is still active, the Bonus Rider Charges will resume for the next Bonus Option
      Start Date following the end of the acceleration of the Policy’s death benefit and Bonus Option(s) will be started subject to the “Bonus Rider Conditions” provision above.

    If acceleration of the Policy’s death benefit stops under the Accelerated Death Benefit for Long-Term Care Services Rider, and you transfer
      Accumulation Value into the Sub-Account(s), but the Bonus Rider is inactive, you can submit an Election to activate the Bonus Rider subject to the
      “Bonus Rider Active and Inactive Elections” provision above.

    
      
        

    

    General Provisions

    Reinstatement   If the Policy
      terminates and is reinstated following Lapse, this Rider will be permanently inactive.

    Upon reinstatement, you will not receive any Bonus Rider Benefit Amount(s) for any Bonus Options that reached their Bonus Option Maturity
      Date(s) while the Policy was terminated. If this Rider is reinstated with any Bonus Option(s) that have not reached their Bonus Option Maturity Date(s), the crediting of any Bonus Rider Benefit Amount(s) will be applied to the Accumulation Value as
      explained in the “Payment of Bonus Rider Benefit Amount” provision above.

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

    
      	
              a.

            	
              The termination of the Policy; or

            

    

    
      	
              b.

            	
              The Policy Anniversary immediately prior to the Insured’s Attained Age 121 (for a single life Policy) or the younger Insured’s
                Attained Age 121 (for a joint survivorship Policy).

            

    

    

    

    []

    [President]The Lincoln National Life Insurance Company

    No-Lapse Enhancement Rider

    This Rider is a part of the policy (the “Policy”) to which it is attached.  Except as provided below, this Rider is subject to all the terms
      and conditions of the Policy.  This Rider becomes effective as of the Policy Date shown in the Policy Specifications.  There is no separate charge for this Rider.

    Summary of Rider Benefits

    This Rider can ensure that your Policy will continue even if the Surrender Value is insufficient to cover the Monthly Deductions.  This Rider
      consists of the No-Lapse Value Provision and the Reset Account Value Provision.  The Policy will not Lapse as long as this Rider is In Force and all the requirements of at least one of these provisions are met.

    If the requirements of only one of these provisions are met, the Death Benefit Proceeds payable will be calculated under that provision.  If
      the requirements of both of these provisions are met, the Death Benefit Proceeds payable will be the greater of the Death Benefit Proceeds calculated under each provision.

    The No-Lapse Value and the Reset Account Value described in the following provisions are reference values only, meaning that they are
      calculations used for the purpose of testing whether this Rider is preventing the Lapse of the Policy, and are not used in determining the Accumulation Value or death benefit provided by the Policy.  Likewise, the Rider’s monthly deductions, credited
      interest, credit(s), charges and expenses described in each provision, if applicable, are used only to determine the No-Lapse Value and the Reset Account Value.  The No-Lapse Value and Reset Account Value are not values available as a cash payment
      for surrender, partial surrender, or loans.

    At the time of application for the Policy and this Rider, you elected a Guaranteed Minimum Death Benefit (GMDB) Option that best suited your
      insurance needs. The GMDB Option that you elected is shown in the Policy Specifications and cannot be changed. The GMDB Option is used to
      determine the Guaranteed Minimum Death Benefit (see the “Guaranteed Minimum Death Benefit’ provision below) and the factors used to calculate the No-Lapse Value (See the “No-Lapse Value” provision below).

    While this Rider is actively preventing the Policy from entering the grace period and Lapse, the following will occur as applicable:

    
      	
              a.

            	
              Monthly Deductions will continue to be accumulated, but will not be deducted.  The Surrender Value will not be less than zero. 
                Cost of Insurance Rates will not be charged on an amount greater than the death benefit at the beginning of each Policy Month.  Any Death Benefit Proceeds payable will not be reduced by the accumulated unpaid Monthly Deductions.

            

    

    
      	
              b.

            	
              Loan interest will continue to accrue and will be added to the total amount of Debt.

            

    

    The Policy will enter the grace period if on a Monthly Anniversary Day the No-Lapse Value, less Debt, and the Reset Account Value, less Debt,
      are less than or equal to zero and the Policy has met the conditions for entering the grace period as described in the Policy’s “Grace Period” provision.  You will be notified of the pending Lapse as provided under that provision.  At such time that
      this Rider is no longer preventing the Policy from entering the grace period, any accumulated unpaid Monthly Deductions will need to be repaid in addition to the amount described in the Policy’s “Grace Period “provision in order to keep the Policy In
      Force.

    Upon termination of this Rider under the conditions described in items c., d. and e. of the “Termination” provision, any accumulated unpaid
      Monthly Deductions will need to be repaid in addition to the amount described in the Policy’s “Grace Period “provision in order to keep the Policy In Force.

    The duration of the Lapse Protection provided by this Rider may be impacted by certain items.  Please note that this Rider contains a
      “premium relief feature” (see the “Treatment of the Effective Date of Premiums” provisions of the No-Lapse Value Provision and the Reset Account Value Provision) which minimizes the impact of premium payments, that are received within a month before
      or after their due date, to the duration of this Rider’s Lapse Protection.  Otherwise, the duration of this Rider’s Lapse Protection may vary in accordance with changes to the following items:

    
      	
              a.

            	
              The GMDB Option you elected at the time of application for the Policy.

            

    

    
      	
              b.

            	
              Changes in premium timing, frequency or amount, including:

            

    

    
      	
              i.

            	
              premium payments paid later than the month following the Planned Premium due date or more than a month earlier than the Planned
                Premium due date;

            

    

    
      	
              ii.

            	
              premium payments paid more or less frequently than the Payment Mode; and

            

    

    
      	
              iii.

            	
              premium payments in lesser or greater amounts than the Planned Premium.

            

    

    
      	
              iv.

            	

            

    

    
      
        

    

    
      	
              c.

            	
              You initiate policy changes such as loans, partial surrenders, increases or decreases in Specified Amount, the addition or removal of Riders, or
                exercising Rider benefits.

            

    

    To help ensure that any changes will accomplish your insurance objective, we encourage you to submit a Request for an In Force projection
      that shows the impact of any such changes to future death benefits, Policy Values, and the duration of this Rider’s Lapse Protection.

    Table of Contents

    Provision Page

    No-Lapse Value Provision 3

    Lapse Protection 3

    No-Lapse Value Death Benefit Proceeds 3

    Guaranteed Minimum Death Benefit 3

    No-Lapse Value 3

    Treatment of the Effective Date of Premiums 3

    Treatment of Premium Received in Policy Month Prior to a Decrease in the No-Lapse Premium Load 3

    No-Lapse Value Monthly Deduction 3

    No-Lapse Value Credited Interest 3

    No-Lapse Value Cost of Insurance 4

    Funding Level 4

    No-Lapse Death Benefit Value 4

    Reset Account Value Provision 4

    Lapse Protection 4

    Reset Account Value Death Benefit Proceeds 4

    Reset Death Benefit 4

    Reset Account Value 4

    Treatment of the Effective Date of Premiums 5

    Treatment of Premium Received in Policy Month Prior to a Decrease in the Reset Account Value Premium Load 5

    Policy Anniversary Reset 5

    Reset Account Value Monthly Deduction 5

    Reset Account Value Credited Interest 5

    Reset Account Value Cost of Insurance 5

    Reset Account Death Benefit Value 5

    Allocation Requirements Provisions 5

    Automatic Rebalancing 5

    Sub-Account for Limited Use 5

    General Provisions 6

    Reinstatement 6

    Termination 6

    

    

    
      
        

    

    No-Lapse Value Provision

    Lapse Protection   The Policy will
      not Lapse as long as the No-Lapse Value described below, less Debt, is greater than zero.  The No-Lapse Value on the Policy Date will be the initial premium received, either increased by the No-Lapse Value Premium Credit, if any, or decreased by the
      No-Lapse Value Premium Load, as shown in the Policy Specifications, less the No-Lapse Value Monthly Deduction for the first Policy Month.

    No-Lapse Value Death Benefit Proceeds   If
      the No-Lapse Value, less Debt, is greater than zero and the Policy would otherwise have met the conditions for entering the grace period as described in the Policy’s “Grace Period” provision, the No-Lapse Value Death Benefit Proceeds will be equal to
      the Guaranteed Minimum Death Benefit described below, plus any Riders or benefits that are payable, less any Debt and partial surrenders (i.e. withdrawals) processed after the date of the Second Death.

    Guaranteed Minimum Death Benefit   The
      Guaranteed Minimum Death Benefit (“GMDB”) is determined by the GMDB Option that you elected and is shown in the Policy Specifications.  If the current Specified Amount is decreased below the GMDB, the GMDB will automatically be decreased to an amount
      equal to the reduced Specified Amount.  The GMDB decrease will become effective on the same date as the decrease in current Specified Amount. You cannot request an increase in the GMDB.

    No-Lapse Value   The No-Lapse Value
      is a reference value and is not used in determining the Accumulation Value or death benefit provided by the Policy.  On each Monthly Anniversary Day, the No-Lapse Value equals:

    
      	
              (1)

            	
              the No-Lapse Value on the preceding Monthly Anniversary Day;

            

    

    
      	
              (2)

            	
              adding all premiums received since the preceding Monthly Anniversary Day and either add the amount of the No-Lapse Value Premium
                Credit, if any, or subtract the amount of the No-Lapse Value Premium Load corresponding to the applicable Policy Years as shown in the Policy Specifications;

            

    

    
      	
              (3)

            	
              subtracting the amount of any partial surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;

            

    

    
      	
              (4)

            	
              adding accumulated interest as described in the “No-Lapse Value Credited Interest” provision below;

            

    

    
      	
              (5)

            	
              subtracting the No-Lapse Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day; and

            

    

    
      	
              (6)

            	
              subtracting the surrender charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for
                any decrease in Specified Amount on the Monthly Anniversary Day.

            

    

    On any day other than a Monthly Anniversary Day, the No-Lapse Value will be the total of (1), (2), (3), and (4).

    The No-Lapse Value may become less than zero.

    Treatment of the Effective Date of Premiums  
      All premiums received between two Monthly Anniversary Days will be credited as if they had been received as of the prior Monthly Anniversary Day in relation to the actual premium receipt date.  This means that the premium will be treated as
      having been received before the calculation of the No-Lapse Value Monthly Deduction and interest crediting.  This treatment of effective date of premiums only applies for the purposes of calculating the No-Lapse Value.

    Treatment of Premium Received in Policy Month
        Prior to a Decrease in the No-Lapse Premium Load   All premiums received in the Policy Month prior to a decrease in the No-Lapse Value Premium Load will receive the lower No-Lapse Value Premium Load, as shown in the Policy Specifications.

    No-Lapse Value Monthly Deduction   The
      No-Lapse Value Monthly Deduction for a Policy Month equals:

    
      	
              a.

            	
              the No-Lapse Value Cost of Insurance as described in the “No-Lapse Value Cost of Insurance” provision below, plus the cost of any
                additional benefits provided by other Rider(s) for the Policy Month;

            

    

    
      	
              b.

            	
              adding the No-Lapse Value Monthly Policy Fee shown in the Policy Specifications;

            

    

    
      	
              c.

            	
              adding the No-Lapse Value Monthly Administrative Fee as shown in the Policy Specifications.

            

    

    For purposes of the above calculation, if the Rider providing additional benefits is the Supplemental Survivorship Term Insurance Rider
      (EPR), its cost will be determined using the applicable No-Lapse Factor as described in the Policy Specifications and may be modified by the Table of Funding Level Threshold Percentages, as applicable, as described in the Policy Specifications.

    No-Lapse Value Credited Interest   We
      will credit interest to the No-Lapse Value daily.  The interest rate applied to loaned and unloaned No-Lapse Value is shown in the Policy Specifications.

    
      
        

    

    No-Lapse Value Cost of Insurance   This Rider’s
      monthly No-Lapse Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:

    
      	
              (1)

            	
              is the No-Lapse Death Benefit Value described below at the beginning of the Policy Month, divided by the Net Amount at Risk
                Discount Factor shown in the Policy Specifications;

            

    

    
      	
              (2)

            	
              is the larger of:

            

    

    
      	
              i.

            	
              the No-Lapse Value at the beginning of the Policy Month after the deduction of the No-Lapse Value Monthly Policy Fee, and after the
                deduction of the No-Lapse Value Monthly Administrative Fee, but prior to the deduction for the monthly No-Lapse Value Cost of Insurance; or

            

    

    
      	
              ii.

            	
              zero if the No-Lapse Value is less than zero.

            

    

    
      	
              (3)

            	
              is the applicable No-Lapse Factor described in the Policy Specifications. The No-Lapse Factor may be modified by the Table of
                Funding Level Threshold Percentages and resulting reduction factor, if applicable, as described in the Policy Specifications.

            

    

    Funding Level   Funding Level is
      measured by dividing the No-Lapse Value on the Monthly Anniversary Day by the current Guaranteed Minimum Death Benefit. The Funding Level is used with the Table of Funding Level Threshold Percentages to determine if the No-Lapse Factor will be
      modified by a reduction factor, as described in the Policy Specifications.  The No-Lapse Factor is used to calculate the No-Lapse Value Cost of Insurance.

    No-Lapse Death Benefit Value   The
      No-Lapse Death Benefit Value is equal to the Guaranteed Minimum Death Benefit plus the amount of any increases in the Specified Amount.  The No-Lapse Death Benefit Value is used only to determine the monthly No-Lapse Value Cost of Insurance; it is
      not used to determine the death benefit provided by the Policy or this Rider.

    Reset Account Value Provision

    Lapse Protection   The Policy will
      not Lapse as long as the Reset Account Value described below, less Debt, is greater than zero.  The Reset Account Value on the Policy Date will be the initial premium received, less the Reset Account Value Premium Load, less the Reset Account Value
      Monthly Deduction for the first Policy Month.

    Reset Account Value Death Benefit Proceeds  
      If the Reset Account Value, less Debt, is greater than zero and the Policy would otherwise have met the conditions for entering the grace period as described in the Policy’s “Grace Period” provision, the Reset Account Value Death Benefit
      Proceeds will be equal to the Reset Death Benefit described below, plus any Riders or benefits that are payable, less any Debt and partial surrenders (i.e. withdrawals) processed after the date of the Second Death.

    Reset Death Benefit   The Reset Death
      Benefit on the Policy Date equals the Initial Specified Amount shown in the Policy Specifications.  If the current Specified Amount is decreased below the Reset Death Benefit, the Reset Death Benefit will automatically be decreased to an amount equal
      to the new reduced Specified Amount. The Reset Death Benefit decrease will become effective on the same date as the decrease in current Specified Amount.  You cannot request an increase in the Reset Death Benefit.

    Reset Account Value   The Reset
      Account Value is a reference value and is not used in determining the Accumulation Value or death benefit provided by the Policy.  On each Monthly Anniversary Day, the Reset Account Value equals:

    
      	
              (1)

            	
              the Reset Account Value on the preceding Monthly Anniversary Day;

            

    

    
      	
              (2)

            	
              adding all premiums received since the preceding Monthly Anniversary Day, subtracting the amount of the Reset Account Value Premium
                Load shown in the Policy Specifications;

            

    

    
      	
              (3)

            	
              subtracting the amount of any partial surrenders (i.e. withdrawals) since the preceding Monthly Anniversary Day;

            

    

    
      	
              (4)

            	
              adding accumulated interest as described in the “Reset Account Value Interest Credited” provision below;

            

    

    
      	
              (5)

            	
              subtracting the Reset Account Value Monthly Deduction described below for the Policy Month following the Monthly Anniversary Day;
                and

            

    

    
      	
              (6)

            	
              subtracting the surrender charge, if any, as determined from the Table of Surrender Charges shown in the Policy Specifications for
                any decrease in Specified Amount on the Monthly Anniversary Day.

            

    

    On any day other than a Monthly Anniversary Day, the Reset Account Value will be the total of (1), (2), (3), and (4).

    

    

    

    

    
      
        

    

    The Reset Account Value on the Policy Date will be the initial premium received, less the amount of the Reset Account Value Premium Load, less the Reset
      Account Value Monthly Deduction for the first Policy Month.

    The Reset Account Value may become less than zero.

    Treatment of the Effective Date of Premiums  
      All premiums received between two Monthly Anniversary Days will be credited as if they had been received as of the prior Monthly Anniversary Day in relation to the actual premium receipt date.  This means that the premium will be treated as
      having been received before the calculation of the Reset Account Value Monthly Deduction and interest crediting.  This treatment of effective date of premiums only applies for the purposes of calculating the Reset Account Value.

    Treatment of Premium Received in Policy Month Prior to a Decrease in the Reset Account Value Premium Load

    All premiums received in the Policy Month prior to a decrease in the Reset Account Value Premium Load will receive the lower Reset Account Value Premium Load,
      as shown in the Policy Specifications.

    Policy Anniversary Reset   On each
      Policy Anniversary, if the Reset Account Value on that Policy Anniversary is less than the Accumulation Value on that same Policy Anniversary, the Reset Account Value will be reset to equal the Accumulation Value.

    Reset Account Value Monthly Deduction   The
      Reset Account Value Monthly Deduction for a Policy Month equals:

    
      	
              a.

            	
              the Reset Account Value Cost of Insurance as described in the “Reset Account Value Cost of Insurance” provision below, plus the
                cost of any additional benefits provided by other Rider(s) for the Policy Month;

            

    

    
      	
              b.

            	
              adding the Reset Account Value Monthly Administrative Fee shown in the Policy Specifications.

            

    

    For purposes of the above calculation, if the Rider providing additional benefits is the Supplemental Survivorship Term Insurance Rider
      (EPR), its cost will be determined using the applicable Reset Account Factor as described in the Policy Specifications.

    Reset Account Value Credited Interest   We
      will credit interest to the Reset Account Value daily.  The interest rate applied to loaned and unloaned Reset Account Value is shown in the Policy Specifications.

    Reset Account Value Cost of Insurance   This
      Rider’s monthly Reset Account Value Cost of Insurance will be the result of (1) minus (2), multiplied by (3), and divided by 1,000, where:

    
      	
              (1)

            	
              is the Reset Account Death Benefit Value at the beginning of the Policy Month, divided by the Net Amount at Risk Discount Factor
                shown in the Policy Specifications;

            

    

    
      	
              (2)

            	
              is the Reset Account Value at the beginning of the Policy Month after the deduction of the Reset Account Value Monthly
                Administrative Fee but prior to the deduction for the monthly Reset Account Value Cost of Insurance, or zero if the Reset Account Value is less than zero, and

            

    

    
      	
              (3)

            	
              is the Reset Factor as described in the Policy Specifications.

            

    

    Reset Account Death Benefit Value   The
      Reset Account Death Benefit Value is equal to the Reset Death Benefit plus the amount of any increases in Specified Amount. The Reset Account Death Benefit Value is used only to determine the monthly Reset Account Value Cost of Insurance; it is not
      used to determine the death benefit provided by the Policy or this Rider.

    Allocation Requirements Provisions

    In order to keep this Rider in effect, we reserve the right to establish:

    
      	
              a.

            	
              a maximum percentage of the Accumulation Value to be permitted in certain Sub-Account(s) and/or the Fixed Account; and/or

            

    

    
      	
              b.

            	
              a minimum percentage of the Accumulation Value to be required in certain Sub-Account(s).

            

    

    Should we choose to enforce these restrictions, we will provide advance Notice to you.  Such Notice will identify the restriction percentages
      to be applied and the Sub-Account(s) and/or Fixed Account impacted. We will evaluate the imposition of these restrictions on an annual basis.

    

    

    
      
        

    

    Automatic Rebalancing   While this Rider is In Force,
      the Automatic Rebalancing program as described in the Policy’s “Automatic Rebalancing” provision must be maintained.

    If we suspend the Automatic Rebalancing program, this requirement will not apply to this Rider.

    Sub-Account for Limited Use   While
      this Rider is In Force, the Sub-Account for Limited Use as shown in the Policy Specifications for this Rider, may only be used for the following:

    
      	
              a.

            	
              during the Right to Examine Period, if the jurisdiction where your Policy was issued requires the return of premium, any Net
                Premium Payment will be placed in the Sub-Account as described in the Policy’s “Right to Examine this Policy” provision; and/or

            

    

    
      	
              b.

            	
              as an account from which specified dollar amounts will automatically be transferred pursuant to the Dollar Cost Averaging program
                described in the Policy’s “Dollar Cost Averaging” provision.  Any balance remaining in this Sub-Account upon termination of Dollar Cost Averaging will need to be transferred to other Sub-Account(s) and/or the Fixed Account as specified by
                you.

            

    

    General Provisions

    Reinstatement   If the Policy
      terminates and is reinstated, this Rider will likewise be reinstated unless this Rider terminated before the Policy terminated.

    Termination   This Rider and all
      rights provided under it will terminate automatically on the first of the following to occur:

    
      	
              a.

            	
              the younger Insured reaches or would have reached Attained Age 121;

            

    

    
      	
              b.

            	
              surrender or other termination of the Policy;

            

    

    
      	
              c.

            	
              the date we receive your Request to terminate Automatic Rebalancing;

            

    

    
      	
              d.

            	
              use of the money market Sub-Account other than as described in the “Sub-Account for Limited Use” provision; or

            

    

    
      	
              e.

            	
              the Sub-Account(s) and/or Fixed Account limit as described in the “Allocation Requirements” provision is imposed and you do not take corrective
                action within 61 days after the date of mailing of the Notice of such requirement.

            

    

    If this Rider terminates due to item a. above, coverage will continue as provided under the Policy’s “Continuation of Coverage” provision,
      and this Rider’s “No-Lapse Value Death Benefit Proceeds” and “Reset Account Value Death Benefit Proceeds” provisions will continue to apply.

    

    

    []

    [President]

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