Document:

Income Benefit Rider

    

    

    This rider provides guaranteed Income Payments during the Income Period.

    

    

    The Company has issued this rider as a part of the Entire Contract. Defined terms and contractual provisions are set forth
      in the contract or added in this rider. This rider is effective on the Issue Date, as shown on your Income Benefit Rider Contract Schedule.

    

    

    On or after the Income Benefit Date, we will not accept Additional Purchase Payments. On and after the Income Benefit Date, the Free Withdrawal
      Privilege is no longer available.

    

    

    Definitions

    

    

    The following terms are added to “Definitions” in the Base Contract.

    

    

    Adjusted Purchase Payments

    Total of all Purchase Payments received reduced proportionately by the percentage of all Contract Value withdrawn as a
      Partial Withdrawal, including any Withdrawal Charges.

    

    

    Base Contract

    The contract to which this rider is attached.

    

    

    Covered Person(s)

    An individual upon whose age and lifetime we base Income Payments.

    

    

    Eligible Person(s)

    An individual who you can designate to be a Covered Person.

    

    

    Excess Withdrawal

    Any portion of a Partial Withdrawal taken during an Income Benefit Year that causes the total amount of
      Partial Withdrawals in that year to exceed the Annual Maximum will be an Excess Withdrawal. We treat any portion of a Partial Withdrawal you take while you are receiving Income Payments that is not an Excess Withdrawal as an Income Payment. An Excess
      Withdrawal includes any applicable Withdrawal Charge and reduces the values calculated under this contract as a withdrawal. An Excess Withdrawal does not include Contract Charges, Income Payments up to the Annual Maximum, or Required Minimum
      Distributions. If at any point during an Income Benefit Year the total Partial Withdrawals from that year meet or exceed the Annual Maximum, we will not make any remaining scheduled Income Payments for that Income Benefit Year.

    

    

    You cannot take a partial Excess Withdrawal if the Contract Value, at the end of the Business Day before your withdrawal
      request, is less than the Minimum Required Value shown on the Contract Schedule. You also cannot take a partial Excess Withdrawal if the Contract Value less Withdrawal Charge, at the end of the Business Day after we process your withdrawal request,
      would be less than the Minimum Required Value shown on the Contract Schedule. In this case, we send you the total Cash Value and Income Payments stop. This rider and the Base Contract terminate on the Business Day you took the withdrawal.

    

    

    Income Benefit Date

    The date you begin Income Payments. After the Income Benefit Date, a contract will continue to be in the Accumulation
      Phase until the last Business Day before the Annuity Date. The Income Benefit Date must occur on an Index Anniversary.

    

    

    Income Benefit Year

    A period of 12 months. The first Income Benefit Year begins on the Income Benefit Date. Subsequent
      Income Benefit Years begin on the Income Benefit Anniversaries.

    

    

    Income Benefit Anniversary

    A twelve-month anniversary of the Income Benefit Date or any subsequent twelve-month Income Benefit Anniversary.

    
      
        	
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                Definitions continued from the previous page

              

        

        

      

    

    

    

    

    

    Income Payment

    The payment we make to you under this rider. An Income Payment is treated as a Partial Withdrawal but
      is not subject to a Withdrawal Charge.

    

    

    Income Period

    The period of time beginning on the Income Benefit Date and ending upon the earlier of the last
      Business Day before the Annuity Date or the date this rider terminates.

    

    

    Income Payments

    

    

    How Income Payments begin

    You may begin Income Payments on any Index Anniversary after the Income Payment Waiting Period by providing us with an
      Authorized Request. If there is no Income Payment Waiting Period, you may begin Income Payments on the Index Effective Date or on any Index Anniversary by providing us with an Authorized Request. The Income Payment Waiting Period is shown on the
      Income Benefit Rider Contract Schedule. The Age of the Covered Person(s) on the Income Benefit Date must be greater than or equal to the Minimum Exercise Age and less than or equal to the Maximum Exercise Age. The Minimum and Maximum Exercise Age are
      shown on the Income Benefit Rider Contract Schedule.

    We will make Income Payments according to the Income Payment Option and payment frequency you
      select. You must select an Income Payment Option when you provide us an Authorized Request that you wish to begin Income Payments. After the Income Benefit Date, you cannot change the Income Payment Option.

    You may select a monthly, quarterly, semi-annual, or annual payment frequency. If the specified payment frequency results in
      Income Payments that are less than the Minimum Income Payment, we will make Income Payments annually at the beginning of each Income Benefit Year. You may change the payment frequency by providing us an Authorized Request provided that the Contract
      Value is greater than zero, and the change will be effective on the next Income Benefit Anniversary.

    You may take Income Payments in any amount greater than or equal to the Minimum Income Payment up to the
      Annual Maximum each Income Benefit Year before the Annuity Date. After the initial Income Payment is taken, if you do not want to take Income Payments in a subsequent Income Benefit Year, you may request an Income Payment of zero. You may change the
      amount of your Income Payments by providing us an Authorized Request, and the change will be effective on the next Income Benefit Anniversary. The Minimum Income Payment is shown on the Income Benefit Rider Contract Schedule.

    We will pay Income Payments until the earlier of the last Business Day before the Annuity Date or the date this rider
      terminates. If the Contract Value is greater than zero but less than the Income Payment, we will add the difference to the Contract Value so that the Contact Value is equal to the Income Payment. Once the Contract Value is equal to zero, we will pay
      the Annual Maximum each Income Benefit Year according to the payment frequency you previously selected and Income Payments will be treated as Annuity Payments only for tax purposes. Income Payments will not be treated as Annuity Payments for any
      other purpose.

    How we calculate the Annual Maximum for Level Income

    On the Income Benefit Date, the Annual Maximum is equal to the greater of the Lifetime Income
      Percentage for the Level Income Payment Option multiplied by the Contract Value, or the Level Income Guarantee Payment Percentage multiplied by the Adjusted Purchase Payments if all of the following are met:

    
      	
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              Level Income is selected as the Income Payment Option;

            

    

    
      	
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              On the Issue Date, the Covered Person(s) did not exceed the Maximum Issue Age for Level Income Guarantee; and

            

    

    
      	
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              On the Income Benefit Date, the Covered Person(s) do not exceed the Maximum Exercise Age for Level Income
                Guarantee. The Maximum Issue Age for Level Income Guarantee and the Maximum Exercise Age for Level Income Guarantee are shown on the Income Benefit Rider Contract Schedule. If the above criteria are not met, on the Income Benefit Date, the
                Annual Maximum is equal to the Lifetime Income Percentage for the Level Income Payment Option multiplied by the Contract Value.

            

    

    

    

    On each Income Benefit Anniversary thereafter, we calculate the Annual Maximum based on the Level Income Payment Option
      and the Contract Value. The Annual Maximum will never decrease unless you take an Excess Withdrawal.

    
      
        	
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    How we calculate the Annual Maximum for Increasing Income

    On the Income Benefit Date, the Annual Maximum is equal to the Lifetime Income Percentage for the Increasing Income Payment
      Option multiplied by the Contract Value. On each Income Benefit Anniversary thereafter, we calculate the Annual Maximum based on the Increasing Income Payment Option described below. The Annual Maximum will never decrease unless you take an Excess
      Withdrawal.

    

    

    How Excess Withdrawals decrease the Annual Maximum

    If you take an Excess Withdrawal on or after the Income Benefit Date, the Annual Maximum will decrease on the next Income
      Benefit Anniversary after the Excess Withdrawal is taken by the same percentage that the Contract Value decreased as a result of the withdrawal. The Annual Maximum will decrease the Index Option Values by the same percentage that the total Annual
      Maximum decreases.

    Income Payment Options: Level Income

    On any Income Benefit Anniversary, if the Contract Value increased since the last Income Benefit Anniversary (or the Income Benefit Date if this
      is the first Income Benefit Anniversary) and you took the full Annual Maximum in the previous Income Benefit Year, the Annual Maximum will increase by the same proportion that the Contract Value increased. Otherwise, the Annual Maximum will not
      increase. The Contract Value used to calculate your Annual Maximum is determined at the end of the Business Day after we deduct any Contract Charges and apply any credits, but before we make any Income Payments or deduct Excess Withdrawals.

    If a surviving Spouse continues the contract during the previous Income Benefit Year, we increase the Contract Value to equal
      the Death Benefit available. On the next Income Benefit Anniversary, we will deduct the amount of the increase from the Contract Value when calculating the Annual Maximum.

    Increasing Income

    On each Income Benefit Anniversary for Index Options where a Performance Lock was not exercised during
      the previous Income Benefit Year, before we deduct any Contract Charges, apply credits or Daily Adjustments, process any reallocations or transfers, make any Income Payments, or deduct Excess Withdrawals, we link the Annual Maximum to the Index
      Option Base in each Index Option as a proportion of the sum of Index Option Bases in all Index Options at the end of the Business Day. For Index Options where a Performance Lock was exercised during the previous Income Benefit Year, before we deduct
      any Contract Charges, apply credits or Daily Adjustments, process any reallocations or transfers, make any Income Payments, or deduct Excess Withdrawals, we link the Annual Maximum to the Index Option Base in the Index Option as a proportion of the
      sum of Index Option Bases in all Index Options at the end of the Business Day the Index Option is reallocated or transferred after each Performance Lock. Once the Contract Value is equal to zero, we will continue to link the Annual Maximum to the
      same proportion of Contract Value in each Index Option as your allocation proportion from the end of the last Business Day that your Contract Value is positive, or you may select new proportions for the Annual Maximum by providing us an Authorized
      Request. If the Income Benefit Anniversary does not occur on a Business Day, we use the Index Option Base from the next Business Day.

    

    

    On each Income Benefit Anniversary, the Annual Maximum may increase. Any portion of the Annual Maximum linked to an Index Option with a credit
      that is applied for the previous Income Benefit Year will increase proportionately by that credit. Any portion of the Annual Maximum linked throughout the Index Year to an Index Option where a Performance Lock was exercised during the previous Income
      Benefit Year, will increase by the same percentage that the Index Option Value increased in that Index Option.

    Any portion of the Annual Maximum linked to unlocked Index Options with a Term End Date after the
      Income Benefit Anniversary will not receive an increase to the Annual Maximum. If there were multiple Performance Locks exercised for the same Index Option, there may be multiple increases to the Annual Maximum on the Income Benefit Anniversary. If
      the Contract Value is equal to zero and a Performance Lock(s) was exercised in the prior Index Year, the Annual Maximum will increase by the locked Daily Adjustment(s). Otherwise, the Annual Maximum will not increase.

    

    

    This rider offers single Income Payments and joint Income Payments. If your contract has only one Eligible Person, you must
      select single Income Payments. If your contract has two Eligible Persons, you may select either the single Income Payments or the joint Income Payments.

    If you select single Income Payments, on the Income Benefit Date you designate one Eligible Person to
      be the Covered Person subject to the restrictions in the Eligible Person(s) and Covered Persons(s) provision. We may pay Income Payments as long as the Covered Person is living and this rider has not terminated. We will suspend Income Payments when
      we receive notice of death of the Covered Person and this rider will terminate as described below in the Termination of this Rider section.

    
      
        	
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    If you select joint Income Payments, on the Income Benefit Date you designate both Eligible Persons to
      be the Covered Persons. We will pay Income Payments as long as either Covered Person is living and this rider has not terminated. We may suspend Income Payments when we receive notice of the first death of a Covered Person and this rider will
      terminate as described below in the Termination of this Rider section. If a Spouse, who is a Beneficiary and a Covered Person chooses to continue the Base Contract we will resume Income Payments and add any Income Payments between the time that the
      Income Payments were suspended and when they resume to future Income Payments. If the Owner is a non-individual and the contract is qualified under the federal tax code, the Base Contract may be continued if the Spouse is the sole primary Beneficiary
      named under the beneficiary designation held by the qualified retirement plan.

    Age of a Covered Person

    The Age of a Covered Person(s) on the Income Benefit Date must be greater than or equal to the Minimum
      Exercise Age and less than or equal to the Maximum Exercise Age shown on the Income Benefit Rider Contract Schedule. We may require proof of the Age of a Covered Person(s).

    After Income Payments begin, we may periodically require proof that any Covered Person(s) is still living.

    Eligible Person(s) and Covered Person(s)

    Eligible Persons are determined on the Issue Date based on the contract’s ownership and tax
      qualification status, and are shown on the Income Benefit Rider Contract Schedule. If an Eligible Person or a Covered Person is no longer an Owner, Joint Owner, Annuitant, or Beneficiary as required below, or upon the death of an Eligible Person or a
      Covered Person, we will remove that person from this rider. If an Eligible Person is removed from this rider, you cannot designate that person to be a Covered Person. If a Covered Person is removed from this rider, that person is no longer a Covered
      Person.

    If you add or change an Owner or Beneficiary that person will become an Eligible Person if they are the current Spouse of an
      existing Eligible Person and meet the requirements below. We will calculate the Lifetime Income Percentage based on the Age of the new Eligible Person on the Index Effective Date and Index Anniversaries, if applicable, in accordance with the How we
      Calculate the Lifetime Income Percentage provision. At any given time there cannot be more than two Eligible Persons. After the Income Benefit Date, you cannot add or replace a Covered Person even if you add or change an Owner(s), Annuitant(s), or
      Beneficiary(ies).

    If you are the sole individual Owner of the contract:

    
      	
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              You are an Eligible Person.

            

    

    
      	
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              If the Owner and sole primary Beneficiary are Spouses, the sole primary Beneficiary is also an Eligible Person.

            

    

    
      	
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              If you select single Income Payments, you must designate the Owner to be the Covered Person.

            

    

    
      	
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              If you select joint Income Payments, you must designate the Owner to be a Covered Person.

            

    

    If the contract is jointly owned:

    
      	
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              Both Joint Owners are Eligible Persons.

            

    

    
      	
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              The Joint Owners must be Spouses.

            

    

    
      	
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              If you select single Income payments, you may designate either Joint Owner to be the Covered Person.

            

    

    
      	
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              If you select joint Income Payments, you must designate both Joint Owners to be the Covered Persons.

            

    

    

    

    If the Owner is a non-individual:

    
      	
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              The Annuitant is an Eligible Person.

            

    

    
      	
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              If the contract is qualified under the federal tax code and the Annuitant and sole contingent Beneficiary are Spouses, the sole
                contingent Beneficiary is also an Eligible Person. This requirement is solely for purposes of determining Eligible Persons and does not restrict available beneficiary(ies) under the qualified retirement plan.

            

    

    
      	
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              If you select single Income Payments, you must designate the Annuitant to be the Covered Person.

            

    

    
      	
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              If the contract is not qualified under the federal tax code, you may not select joint Income Payments.

            

    

    
      	
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              If you select joint Income Payments, you must designate the Annuitant and the sole contingent Beneficiary Spouse to be the Covered
                Persons.

            

    

    
      
        	
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    How we calculate the Lifetime Income Percentage

    We calculate the Lifetime Income Percentage for single and joint Income Payments, if available, on the
      Index Effective Date based on the Age of the Eligible Person(s) on the Index Effective Date and based on the Age of the Eligible Person(s) on subsequent Index Anniversaries if Additional Purchase Payments are received after the Index Effective Date.
      On the Income Benefit Date, your actual Lifetime Income Percentage is determined by the Income Payment Option you select and whether you select single or joint Income Payments.

    On each Index Anniversary on and before the Income Benefit Date, we add an Income Percentage Increase to each Lifetime
      Income

    Percentage once the Eligible Person’s Age, or younger Eligible Person’s Age for joint Income Payments, is equal to or greater
      than the Annual Increase Age found on the Income Benefit Rider Contract Schedule.

    Additional Purchase Payments received after the Index Effective Date will adjust each Lifetime Income Percentage on the next
      Index Anniversary. The portion of the Lifetime Income Percentage attributable to the Additional Purchase Payments is equal to the Income Percentage for the Eligible Person's attained Age on the next Index Anniversary. This is added on that next Index
      Anniversary to the current Lifetime Income Percentage based on the proportion of the Variable Account Value in the Interim Fund(s) to the total Contract Value.

    After the Income Benefit Date, the Lifetime Income Percentage will not change.

    

    

    How we calculate the Level Income Guarantee Payment Percentage

    On the Income Benefit Date, your Level Income Guarantee Payment Percentage is based on the Age of the
      Covered Person(s). After the Income Benefit Date, the Level Income Guarantee Payment Percentage will not change.

    

    

    Contract Value

    

    

    The following is added to “Contract Value” in the Base Contract.

    On the Income Benefit Date, Part A Index Option Riders terminate. Any Index Option Values in those Index
      Options will be reallocated to Part B Index Option Riders according to the Authorized Request you provide when you elect to begin Income Payments. Part A Index Option Riders and Part B Index Option Riders are identified on the applicable Index Option
      Contract Schedule(s).

    

    

    Performance Lock

    

    

    The following is added to “Performance Lock” section in the Performance Lock Rider.

    If the Contract Value is equal to zero, you can request a Performance Lock of the Daily Adjustment for
      any unlocked Index Options, or to reallocate a locked Index Option, by providing an Authorized Request.

    

    

    Once a Daily Adjustment has been locked, the Daily Adjustment will not change until the earlier of the day that we process
      your request to reallocate the locked Index Option Value or the Index Anniversary that occurs on or immediately after the Lock Date.

    
      
        	
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    Contract Charges

    

    

    The following is added to the “Product Fee” provision under the “Contract Charges” section of the Base Contract.

    The Rider Fee for this rider is shown on the Income Benefit Rider Contract Schedule. The Rider Fee
      is assessed and deducted in the same manner as the Product Fee described in the Base Contract.

    If this rider terminates before the Income Benefit Date due to the death of an Eligible Person or Owner
      or the Annuitant if the Owner is a non-individual, we refund any Rider Fees accrued and deducted after the date of death. If this rider terminates after the Income Benefit Date due to the death of a Covered Person or Owner (or Annuitant if the Owner
      is a non-individual), we deduct the final Rider Fee before calculating the Death Benefit. The deduction of the Rider Fee is not subject to a Withdrawal Charge.

    On the date the rider terminates, we deduct any Rider Fee that was accrued but not yet deducted as the
      final Rider Fee. The Rider Fee will terminate on the earliest of:

    
      	
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              the date the Contract Value is equal to zero;

            

    

    
      	
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              the date of Termination of this rider; or

            

    

    
      	
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              the Business Day before the Annuity Date.

            

    

    

    

    

    

    Withdrawals

    

    

    The following is added to the “Withdrawal Charge” provision of the Base Contract.

    

    

    Withdrawal Charge

    Penalty-free Withdrawals also include withdrawals taken as Income Payments. The following replaces "Required Minimum
      Distributions" in the Base Contract.

    Required Minimum Distributions

    If this contract is an Individual Retirement Annuity (IRA) or owned by a qualified retirement plan, you may be required by
      the Internal Revenue Code to take Required Minimum Distributions. To satisfy such requirement for this contract only, you may take a withdrawal as a Required Minimum Distribution by providing us an Authorized Request. Such withdrawal may not be
      greater than the Required Minimum Distribution of the current calendar year less any amount previously withdrawn as a Required Minimum Distribution or Partial Withdrawal. It will not be treated as an Excess Withdrawal, Withdrawal Charges will not
      apply at the time you take a Required Minimum Distribution and it will not reduce the Withdrawal Charge Basis(es), but it will reduce your Free Withdrawal Amount and any other contract values accordingly. If you take a withdrawal and do not indicate
      that it is a Required Minimum Distribution through an Authorized Request, it will be treated as a Partial Withdrawal.

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

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                Annuity Payments

              

        

        

      

    

    

    

    

    

    The following is added to “Annuity Payments” in the Base Contract.

    

    

    If You Elected Income Payments

    You are required to begin Annuity Payments on the Maximum Annuity Date unless the Contract Value has
      been reduced to zero. If you are taking Income Payments on the Annuity Date and the Contract Value is greater than zero, Income Payments will terminate.

    

    

    If you begin Annuity Payments and select either Option B, if you elected single Income Payments, or Option F, if you
      elected joint Income Payments, we will convert your Income Payments to Annuity Payments, and we will establish a Remaining Value that is equal to the Contract Value on the Annuity Date. Annuity Payments will decrease the Remaining Value by the amount
      of each Annuity Payment. The Annuity Phase terminates on the death of the last surviving Annuitant and payment of any Remaining Value. If you select any other Annuity Option, we will not convert your Income Payments to Annuity Payments.

    

    

    If we convert your Income Payments to Annuity Payments on any day other than the Maximum Annuity Date, you will no
      longer receive any increases to the Annual Maximum and other benefit riders may terminate.

    

    

    If you do not select an Annuity Option or payment frequency before the Maximum
      Annuity Date, we will convert your Income Payments to Annuity Payments at the same frequency you were previously receiving Income Payments according to either Option B, if you previously elected single Income Payments, or Option F, if you previously
      elected joint Income Payments.

    

    

    Single-life Annuity Payments under Option B based on the Annual Maximum

    If you take Annuity Payments based on the Annual Maximum and you elected single Income Payments, the Covered Person becomes
      the Annuitant, and we will pay Annuity Payments as long as the Annuitant is living. Total Annuity Payments for each Index Year will be equal to the greater of the annual Annuity Payments under Option B based on the Contract Value or the current
      Annual Maximum.

    

    

    When the Annuitant dies, Annuity Payments will terminate, and we will pay any Remaining Value to the Beneficiary(ies). The
      last Annuity Payment will be the one that is due before the Annuitant’s death.

    

    

    Joint-life Annuity Payments under Option F based on the Annual Maximum

    If you take Annuity Payments based on the Annual Maximum and you elected joint Income Payments, both Covered Persons become
      Joint Annuitants, and we will pay Annuity Payments as long as either Joint Annuitant is living. Total Annuity Payments for each Index Year will be equal to the greater of the annual Annuity Payments under Option F based on the Contract Value or the
      current Annual Maximum.

    

    

    When both Joint Annuitants have died, Annuity Payments will terminate and we will pay any Remaining Value to the Beneficiary(ies). The last
      Annuity Payment will be the one that is due before the last surviving Joint Annuitant’s death.

    

    

    If you selected Increasing Income and we convert your Income Payments to Annuity Payments on the Maximum Annuity Date, you
      may continue to link the Annuity Payments to the Annual Maximum to the same proportion of Contract Value in each Index Option as your allocation proportion from the end of the last Business Day prior to the Maximum Annuity Date, or you may select new
      proportions for the Annuity Payments by providing us an Authorized Request before the next Index Anniversary. If the current Annual Maximum has increased as a result of a credit or the locked Daily Adjustment if a Performance Lock was exercised, as
      described under the Increasing Income section, the Annuity Payments will increase by that same credit or the locked Daily Adjustment.

    

    

    Ownership

    

    

    The following is added to “Assignment of this contract” in the Base Contract.

    

    

    Assignment of this contract

    An assignment does not change any existing Eligible Person or Covered Person, subject to the limitations as described in
      the Eligible Person(s) and Covered Persons(s) provision.

    
      
        	
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                General Provisions

              

        

        

      

    

    

    

    

    

    The following is added to “General Provisions” in the Base Contract.

    

    

    Misstatement of Age of a Covered Person

    If there is a misstatement of the Age of a Covered Person, we will adjust the Annual Maximum based on the correct Lifetime
      Income Percentage or Level Income Guarantee Payment Percentage, as applicable. If the misstatement caused an underpayment, we will pay you the difference in one payment. If the misstatement caused an overpayment, we will reduce your next Income
      Payment by the amount of the difference. If the amount of the difference is larger than your next Income Payment, we will reduce the subsequent Income Payment, and so on until the entire difference has been subtracted. Any underpayment or overpayment
      will not include interest.

    

    

    The following is added to “Divorce” in the Base Contract.

    

    

    Divorce

    If at any time Eligible Persons or joint Covered Persons are no longer Spouses you must send us notice of the divorce as
      an Authorized Request. If we receive such notice, we will remove one former Spouse from the contract as an Eligible Person or Covered Person. If we receive such notice on or before the Income Benefit Date, joint Income Payments will not be available
      to you, unless you add an additional Eligible Person.

    Contracts Owned by Individuals

    If you had been taking joint Income Payments before the Covered Persons divorce, we will continue to
      pay joint Income Payments to the remaining Owner as long as the remaining Owner is living.

    

    

    Contracts Owned by Non-Individuals

    If you had been taking joint Income Payments before the Covered Persons divorce, we will continue to pay
      joint Income Payments to the Owner as long as the Annuitant is living.

    

    

    

    

    Termination of this Rider

    

    

    This rider terminates on the earliest of:

    
      	
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              the date you notify us by an Authorized Request that you wish to remove this rider from your contract. You can request to remove the rider on any Index
                Anniversary that occurs on or after the Earliest Rider Removal Date as shown on the Income Benefit Rider Contract Schedule and before your Income Benefit Date as long as your Contract Value is positive. To remove this rider from the Base
                Contract we must receive your Authorized Request before an Index Anniversary. Your request is then effective on the next Index Anniversary or on the next Business Day if the Index Anniversary is not a Business Day;

            

    

    
      	
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              the Income Benefit Date or Income Benefit Anniversary your Annual Maximum is less than the Minimum Income Payment;

            

    

    
      	
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              the date all Eligible Persons have been removed from this rider;

            

    

    
      	
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              the date of death of the last surviving Eligible Person;

            

    

    
      	
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              the date all Covered Persons have been removed from this rider;

            

    

    
      	
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              the date of death of the last surviving Covered Person;

            

    

    
      	
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              at the end of the Business Day, after the death of an Owner (or Annuitant if the Owner is a non-individual), we first receive a Valid
                Claim from any one Beneficiary to elect a Death Benefit payment option, unless the Spouse, who is a Beneficiary and an Eligible Person or Covered Person (if Income Payments have begun) chooses to continue the Base Contract;

            

    

    
      	
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              the date all Eligible Persons have exceeded the Maximum Exercise Age; or

            

    

    
      	
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              the date the Base Contract terminates.

            

    

    

    

    If there are any conflicts in the “Termination of this Rider” section of Part B Index Option Riders, the following replaces
      the “Termination of this Rider” section.

    

    

    This rider terminates on the date the Base Contract terminates.

    
      
        	
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                Reinstatement of this Rider

              

        

        

      

    

    

    

    

    

    Once this rider terminates, it may not be reinstated.

    

    

    

    

    In all other respects the provisions, conditions, exceptions and limitations contained in the contract remain unchanged
      and apply to this rider.

    

    

    Signed for the Company at its home office.

    

    

    

    

    Allianz Life Insurance Company of North America

    

    

                                                            [/s/ Gretchen Cepek]                                                       [/s/
      Jasmine M. Jirele]

    Secretary                                                                      President and CEO

    

    

    

    

    To obtain information, make an inquiry, or for assistance with a complaint, please call our
      toll-free number at [800.624.0197].

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    

    S40901-04-IAI                                                                                                          9                                                            [Admin
        Tracking Identifier]Income Multiplier Benefit Rider

  

  

  This rider increases the Annual Maximum if you establish Benefit Eligibility as described below.

  

  

  The Income Multiplier Benefit cannot go into effect until the later of the Income Benefit Date or the expiration of the Income
    Multiplier Benefit Wait Period shown on the Contract Schedule.

  

  

  This rider forms a part of the Base Contract to which it is attached. The rider is effective on the Issue Date shown on the
    Income Multiplier Benefit Rider Contract Schedule.

  

  

  This rider references Withdrawal Charges and Partial MVAs. Your contract may not include all of these references, so please defer to your Base
    Contract to determine which of these charges or adjustments applies to you.

  

  

  Definitions

  

  

  The following terms are added to the “Definitions” section.

  

  

  Activities of Daily Living (ADLs)

  
    	
            •

          	
            Bathing: Washing oneself by sponge bath, in either a
              tub or shower, including the task of getting into or out of the tub or shower without Substantial Assistance.

          

  

  
    	
            •

          	
            Continence: The ability to maintain control of bowel and
              bladder function, or, when unable to maintain control of bowel or bladder function, the ability to perform associated personal hygiene, including caring for a catheter or colostomy bag without Substantial Assistance.

          

  

  
    	
            •

          	
            Dressing: Putting on and taking off all items of
              clothing and any necessary braces, fasteners, or artificial limbs without Substantial Assistance.

          

  

  
    	
            •

          	
            Eating: Feeding oneself by getting food into one’s body
              from a receptacle (such as a plate, cup or table), or by feeding tube or intravenously without Substantial Assistance.

          

  

  
    	
            •

          	
            Toileting: Getting to and from the toilet, getting on and
              off the toilet, and performing associated personal hygiene without Substantial Assistance.

          

  

  
    	
            •

          	
            Transferring: Moving into or out of a bed, chair, or wheelchair without
              Substantial Assistance.

          

  

  

  

  Assisted Living Facility

  A facility is an Assisted Living Facility if all of the following apply:

  
    	
            •

          	
            Is licensed or certified, if required by law.

          

  

  
    	
            •

          	
            Is primarily engaged in providing ongoing care and related services in a single location.

          

  

  
    	
            •

          	
            Has at least one trained staff member on duty 24 hours a day.

          

  

  
    	
            •

          	
            Provides continuous room and board.

          

  

  
    	
            •

          	
            Provides help or supervision for residents who are unable to perform activities of daily living or who have severe cognitive impairment.

          

  

  
    	
            •

          	
            Has formal procedures for managing all medical needs or emergencies, including the handling and dispensing of drugs and medical
              treatments (both prescription and non-prescription).

          

  

  
    	
            •

          	
            Has formal arrangements for a physician or registered nurse (RN) to be available in an emergency.

          

  

  

  

  Eligible Facility

  A facility is considered an Eligible Facility if it is a Hospital, Nursing Facility, or Assisted Living Facility, and is not an Excluded
    Facility.

  

  

  Excluded Facility

  A facility is an Excluded Facility if it is any of the following:

  
    	
            •

          	
            An individual’s home.

          

  

  
    	
            •

          	
            An independent living facility or congregate housing for adults.

          

  

  
    	
            •

          	
            A facility that primarily provides domiciliary, residency, or retirement care, or is a training facility.

          

  

  
    	
            •

          	
            A convalescent home, board and rest home, or home for the aged.

          

  

  
    	
            •

          	
            An unlicensed or uncertified facility for which licensing and/or certification are required.

          

  

  
    
      	
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  Definitions continued from the previous page

  

  

  Hospital

  A facility is a Hospital if any of the following apply:

  
    	
            •

          	
            Is licensed as a hospital by the proper authority of the jurisdiction in which it is located.

          

  

  
    	
            •

          	
            Is accredited as a hospital by the Joint Commission on the Accreditation of Healthcare Organizations (JCAHO).

          

  

  
    	
            •

          	
            Operates as a hospital under law.

          

  

  

  

  Nursing Facility

  A facility is a Nursing Facility if all of the following apply:

  
    	
            •

          	
            Is licensed as a nursing facility by the proper authority of the jurisdiction in which it is located.

          

  

  
    	
            •

          	
            Provides 24-hour services appropriate to the needs of residents and supervised by a licensed physician.

          

  

  
    	
            •

          	
            Provides medical and nursing services as needed, supervised by a licensed physician or RN.

          

  

  
    	
            •

          	
            Maintains a daily medical record of each patient.

          

  

  

  

  Physician

  A person who:

  
    	
            •

          	
            is licensed to practice medicine and surgery and prescribe and administer drugs;

          

  

  
    	
            •

          	
            is legally qualified as a medical practitioner and required to be recognized, under this rider for insurance purposes, according to
              applicable state insurance laws; or

          

  

  
    	
            •

          	
            meets the requirements of section 1861(r)(1) of the Social Security Act.

          

  

  

  

  We will consider a person to be a Physician only when the person is performing tasks that are within the
    limits of the person’s medical license and such tasks are appropriate to the certification of the Covered Person’s ability or inability to perform ADLs. We will not recognize you, the Covered Person, Annuitant, or an Immediate Family Member as a
    Physician for claims that you make to us under this rider.

  

  

  Substantial Assistance

  Stand-by or hands-on assistance without which the Covered Person would not be able to safely and
    completely perform the ADL. Stand- by assistance means the presence of another person within arm’s reach of the Covered Person that is necessary to prevent, by physical intervention, injury to the Covered Person while he or she is performing the ADL.
    Hands-on assistance means direct physical assistance of another person.

  

  

  Income Multiplier Benefit

  

  

  The Income Multiplier Benefit increases your Annual Maximum by applying the Income Multiplier Factor if you establish Benefit
    Eligibility.

  
    
      	
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  Income Multiplier Benefit continued from the previous page

  

  

  Benefit Eligibility

  You establish Benefit Eligibility for the Income Multiplier Benefit if all of the following are true
    for either the Confinement Eligibility or ADL Eligibility:

  

  

  Confinement Eligibility:

  
    	
            •

          	
            A Covered Person begins confinement in an Eligible Facility after the first Contract Anniversary.

          

  

  
    	
            •

          	
            The same Covered Person is confined to an Eligible Facility for at least 90 days in a 120-day period. The 90 day confinement does not
              need to be consecutive.

          

  

  
    	
            •

          	
            We receive and accept Proof of Claim while the Covered Person is confined to an Eligible Facility or no later than one year after the
              Covered Person is discharged.

          

  

  

  

  ADL Eligibility:

  
    	
            •

          	
            On the Issue Date, the Covered Person was able to perform without Substantial Assistance each ADL.

          

  

  
    	
            •

          	
            A Physician certifies that the Covered Person is unable to perform without Substantial Assistance at least two ADLs for at least 90
              continuous days.

          

  

  
    	
            •

          	
            We receive and accept Proof of Claim no later than one year after the certification.

          

  

  

  

  You cannot establish Benefit Eligibility for the Income Multiplier Benefit more than one Index Year before the Income
    Benefit Date. If you establish Benefit Eligibility for more than one Covered Person at the same time, the Income Multiplier Factor will only be applied once at any given time.

  

  

  How we apply the Income Multiplier Factor

  If you establish Benefit Eligibility and the Income Multiplier Benefit is not in effect, we will multiply
    the Annual Maximum by the Income Multiplier Factor shown on the Contract Schedule, and the Income Multiplier Benefit will go into effect:

  
    	
            •

          	
            If you establish Benefit Eligibility during the Index Year before the Income Benefit Date, the Income Multiplier Benefit will go into
              effect on the Income Benefit Date.

          

  

  
    	
            •

          	
            If you establish Benefit Eligibility on or after the Income Benefit Date, the Income Multiplier Benefit will go into effect on the date you establish
              Benefit Eligibility.

          

  

  

  

  If the Income Multiplier Benefit goes into effect after the start of an Income Benefit Year, the Income Multiplier Benefit
    will be in effect for the remainder of the current Income Benefit Year and the following Income Benefit Year. On any subsequent Income Benefit Anniversary, if the Income Multiplier Benefit was in effect during the immediately preceding Income Benefit
    Year and you did not reestablish Benefit Eligibility during the previous Income Benefit Year, we will divide the Annual Maximum by the Income Multiplier Factor, and the Income Multiplier Benefit will no longer be in effect.

  

  

  If you reestablish Benefit Eligibility at any time after the Income Multiplier Benefit is no longer in effect, the Income
    Multiplier Benefit will go into effect on the date you reestablish Benefit Eligibility.

  

  

  If you establish Benefit Eligibility during an Income Benefit Year that the Contract Value reduces to zero, then the Income
    Multiplier Benefit goes into effect for the remainder of the current Income Benefit Year and ends on the next Income Benefit Anniversary.

  
    
      	
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  Income Multiplier Benefit continued from the previous page

  

  

  Proof of Claim

  We must receive Proof of Claim for Confinement Eligibility or ADL Eligibility and a fully completed claim form before we will
    pay the Income Multiplier Benefit. You can contact us to request a claim form. For Proof of Claim for the Income Multiplier Benefit, we must receive all of the following depending on whether you establish Benefit Eligibility under either Confinement
    Eligibility or ADL Eligibility identified above:

  

  

  Confinement Eligibility

  
    	
            •

          	
            Documentation that the facility is an Eligible Facility.

          

  

  
    	
            •

          	
            A copy of the Eligible Facility’s license or certification, if any.

          

  

  

  

  ADL Eligibility

  
    	
            •

          	
            Notice of the Physician certification, including documentation supported by clinical, radiological, histological, and laboratory
              evidence of the certification. We will not require any medical receipts.

          

  

  

  

  For Proof of Claim to establish ADL Eligibility, we may require, at our expense, an examination or tests by a Physician of our choice. If a
    difference of opinion occurs between the Covered Person’s Physician and our Physician, a third opinion will be obtained, at our expense, from a Physician agreed upon by both you and us. This third opinion will be final.

  

  

  Income Payments

  

  

  The following replaces the “How
      Excess Withdrawals decrease the Annual Maximum” provision under the “Income Payments” section of the Income Benefit Rider.

  

  

  How Excess Withdrawals decrease the Annual Maximum

  If you take an Excess Withdrawal on or after the Income Benefit Date, the Annual Maximum will decrease
    on the next Income Benefit Anniversary after the Excess Withdrawal is taken by the same percentage that the Contract Value decreased as a result of the withdrawal, plus any Partial MVAs. If the Income Multiplier Benefit is in effect, it will not change
    how Excess Withdrawals impact the Annual Maximum. The Annual Maximum will decrease the Index Option Values by the same percentage that the total Annual Maximum decreases.

  

  

  The following is added to the first paragraph of the “Eligible Person(s) and Covered Person(s)” provision under the “Income Payments” section.

  

  

  If a Covered Person is removed from the contract while the Income Multiplier Benefit is in effect, the remaining Covered
    Person must establish Benefit Eligibility in order to continue the Income Multiplier Benefit. If the remaining Covered Person does not establish Benefit Eligibility, we will divide the Annual Maximum by the Income Multiplier Factor, and the Income
    Multiplier Benefit will no longer be in effect.

  

  

  Annuity Payments

  

  

  The following is added to the “Option B – Life”
    option under the “Annuity Options” provision of the Base Contract.

  

  

  Option B – Life

  If the Income Multiplier Benefit is in effect on the Annuity Date, we will divide the Annual Maximum by the Income Multiplier
    Factor before we calculate Annuity Payments.

  

  

  The following is added to the “Option F – Joint and survivor”
    option under the “Annuity Options” provision of the Base Contract.

  

  

  Option F – Joint and survivor

  If the Income Multiplier Benefit is in effect on the Annuity Date, we will divide the Annual Maximum by the Income Multiplier
    Factor before we calculate Annuity Payments.

  
    
      	
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  Termination of this Rider

  

  

  This rider terminates on the earliest of:

  
    	
            •

          	
            The Annuity Date.

          

  

  
    	
            •

          	
            The Income Benefit Anniversary that occurs on or after the date that the Contract Value reduces to zero.

          

  

  
    	
            •

          	
            The date that any rider providing an Annual Maximum terminates.

          

  

  
    	
            •

          	
            The date that the contract terminates.

          

  

  

  

  If the Income Multiplier Benefit is in effect on the rider termination date, we will divide the Annual Maximum by the Income
    Multiplier Factor before we terminate this rider.

  

  

  Rider Fee

  

  

  There is no fee for this rider.

  

  

  

  

  In all other respects the provisions, conditions, exceptions and limitations contained in the contract remain unchanged and
    apply to this rider.

  

  

  Signed for the Company at its home office.

  Allianz Life Insurance Company

  Of North America

  

  

  By: /s/ GRETCHEN CEPEK

  [Gretchen Cepek]

  Secretary

  

  

  By: /s/ JASMINE M. JIRELE

  [Jasmine M. Jirele]

  President and CEO

  

  

  

  

  To obtain information, make an inquiry, or for assistance with a complaint,
    please call our toll-free number at [1-800-624-0197].

  
    	
            S40905-01

          

    	 

    	
            [Admin. Tracking Identifier]

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