Document:

Ameritas Life Insurance Corp.

 

MINIMUM PREMIUM RIDER

 

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

 

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

 

RIDER CHARGE. Beginning with the policy
date, each month a rider charge will be assessed based on the accumulation value at that time and the charge shown
on your rider schedule. The rider charge will be deducted pro-rata from the fixed account and subaccounts.
When your rider is issued, the current charge applies. After the first policy year, we reserve the right to
change the current charge at any time; however, your charge will never exceed the maximum charge.  If the rider
charge rate increases, we will notify you at least 30 days prior to the policy anniversary.

 

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

 

AMERITAS LIFE INSURANCE CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ICC15 MPR 8-15Ameritas
Life
Insurance
Corp.

 

NO
SURRENDER CHARGE
RIDER

 

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

 

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

 

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

 

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

 

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

 

Replace
the
sentence:

 

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

 

With
the
following:

 

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

 

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

 

RIDER
CHARGE.
 Beginning
with
the
policy
date,
each
month
until
the
rider
terminates,
we will
deduct
a rider
charge
pro-rata
from
your
fixed
account
and subaccounts.
 The
current
and maximum
charges
are
stated
on your
rider
schedule.
 When
your
rider
is issued,
the
current
charge
applies.
 After
the
first
policy
year,
we reserve
the right
to change
the
current
charge
at any
time;
however,
your
charge
will
never
exceed
the maximum
charge.
 If the rider charge rate increases, we will notify you at least 30 days prior to the policy anniversary.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ICC15 NSCR 8-15Ameritas
Life
Insurance
Corp.

 

FOUR-YEAR
SURRENDER CHARGE
RIDER

 

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

 

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

 

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

 

RIDER
CHARGE.
 Beginning
with
the
policy
date,
each
month
until
the
rider
terminates,
we will
deduct
a rider
charge
pro-rata
from
your
fixed
account
and subaccounts.
 The
current
and maximum
charges
are
stated
on your
rider
schedule.
 When
your
rider
is issued,
the
current
charge
applies.
 After
the
first
policy
year,
we reserve
the right
to change
the
current
charge
at any
time;
however,
your
charge
will
never
exceed
the maximum
charge.
  If the rider charge rate increases, we will notify you at least 30 days prior to the policy anniversary.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ICC15
4YSCR 8-15Ameritas
Life
Insurance
Corp.

 

RETURN
OF PREMIUM
DEATH
BENEFIT
RIDER

 

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

 

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

 

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

 

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

 

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

 

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

 

A
- (A
* (B /
C))

 

where:

 

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

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

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

 

RIDER CHARGE.  Beginning with the policy date, each month until the rider terminates, we will deduct
a rider charge pro-rata from your fixed account and subaccounts. The current and maximum charges are shown on the rider
schedule.  When your rider is issued, the current charge applies.  After the
first policy year, we reserve the right to
change the
current charge at any time; however, your charge will never exceed the maximum charge.
 If the rider charge rate increases, we will notify you at least 30 days prior to the policy anniversary.

 

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

(1)
 the
death
of an
owner;
or

(2)
 the
policy
maturity
date;
or

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

(4)  the date the policy is terminated.

 

 

AMERITAS
LIFE
INSURANCE
CORP.

 

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

ICC15 ROP 8-15Ameritas Life Insurance Corp.

 

STEP-UP DEATH BENEFIT RIDER

 

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

 

	DEFINITIONS

 

BENEFIT EXPIRY AGE. Means the attained age
shown on the rider schedule at which time the benefit of this rider expires. If the policy to which this rider is attached
is jointly owned, we will use the attained age of the oldest owner to determine the benefit expiry age.

 

MAXIMUM STEP-UP AGE. Means
the attained age shown on the rider schedule at which time step-up dates cease to occur. If the policy to which this
rider is attached is jointly owned, we will use the attained age of the oldest owner to determine the maximum
step-up age.

 

STEP-UP DATE. Means the date at which time
guaranteed minimum death benefit (GMDB) amounts are

re-determined. The first step-up date is the
policy date. There will be no step-up dates after the birthday that you attain the maximum step-up age.

 

STEP-UP INTERVAL. Means the period of time
between step-up dates. The step-up interval is shown on the rider schedule.

 

	PROVISIONS

 

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

 

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

 

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

 

CALCULATION OF THE GUARANTEED MINIMUM DEATH BENEFIT.
On the first step-up date, the GMDB is initialized at the initial premium. Thereafter, the GMDB equals:

 

(1) the greater of (A) and (B), where:

(A) is the policy accumulation value
as of the most recent step-up date; and

(B) is the GMDB immediately preceding the
most recent step-up date; plus

(2) any premiums paid since the
most recent step-up date; minus

(3) an adjustment for each withdrawal
made since the most recent step-up date.

 

The adjustment for each withdrawal will be equal
to (A) multiplied by the quotient of (B) divided by the smaller of (B) and (C). Equivalently, the withdrawal adjustment equals:

 

Aif (C) is greater than or equal
to (B), or

A * (B / C)if (B) is greater than (C),

 

where:

 

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

(B) = the GMDB prior to the withdrawal;
and

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

 

ICC15 SDBR 8-15

    	 

    	 

    

RIDER CHARGE. Beginning with the policy
date, each month until the rider terminates, we will deduct a rider charge pro-rata from your fixed account
and subaccounts. The current and maximum charges are shown on the rider schedule. When your rider is issued,
the current charge applies. After the first policy year, we reserve the right to change the current charge on your policy’s
anniversary; however, your charge will never exceed the maximum charge.  If the rider charge rate increases, we
will notify you at least 30 days prior to the policy anniversary.

 

INVESTMENT RESTRICTIONS.
While this rider is in effect, we may limit the investment options that you are allowed to select. We also
may change such limits from time to time or impose additional restrictions. We will notify you in writing at least
30 days (or longer if required by state and/or federal law or regulation) prior to any change in the investment option limitations.

 

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

 

(1) the death of an owner; or

(2) the policy maturity date; or

(3) the policy anniversary nearest your benefit
expiry age; 

(4) the date that the policy’s accumulation
value reduces to zero; or

(5) the date the policy is terminated.

 

AMERITAS LIFE INSURANCE CORP.

 

 

	[	SPECIMEN	SPECIMEN	]
	   President	Secretary   

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ICC15 SDBR 8-15

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