Document:

Exhibit 4.E

 EXHIBIT (4)(e) 
  
 FORM OF RIDER (5 FOR LIFE) 
  

							
	

	  	Home Office:	  	 
	 	  	 	  	4333 Edgewood Road N.E.	  	 
	 	  	 	  	Cedar Rapids, Iowa 52499	  	 
	 	  	 	  	(319)398-8511	  	 
	 A Stock Company (Hereafter called the Company, we, our or us)
	  	 

  
 GUARANTEED MINIMUM
WITHDRAWAL BENEFIT RIDER 
  
 This rider is issued as a part of the policy
(contract) to which it is attached. Policy refers to the individual policy if the rider is attached to an individual annuity or the group certificate if the rider is attached to a group annuity. 
  
 Rider Data Specification 
  

			
	 Policy Number:
	  	[07 - 12345]
	 Rider Date:
	  	[02-01-2005]
	 “For Life” Withdrawal Percentage:*
	  	[5.00%]
	 Rider Fee Percentage:
	  	[0.60%)

  

	*	If the annuitant is not yet [59] on the rider date, then this percentage will be zero until the January 1st following the annuitant’s [59th] birthday. 

 
 ARTICLE I 
  
 This rider is not available for an existing qualified policy which has been continued by a surviving spouse or beneficiary as the new owner.
This rider will terminate upon the annuitant’s death, if you surrender your policy, elect to upgrade (as described in Article III of this rider), or elect to receive annuity payments under your policy. This rider will also terminate if the
policy to which this rider is attached is assigned or if the owner is changed without our approval. You can terminate this rider any time after the [third] rider anniversary. Termination of the rider will result in the loss of all benefits provided
by the rider. 
  
 If you elect this rider, 100% of your policy value must be in
one or more of the designated funds. You can generally transfer between the designated funds as permitted under your policy; however, you cannot make transfers as provided for in the base policy to a non-designated fund while this rider is in force.
After the [third] rider anniversary, if you wish to make a transfer to a non-designated fund, this rider must be terminated prior to making the transfer. 
  
 A rider fee will be deducted on each rider anniversary and upon rider termination as described below. 
  
 DEFINITIONS: 
  
 Terms used that are not defined in this rider shall have the same meaning as those in your base policy. 
  
 Gross Partial Withdrawal 
  
 The amount which will be deducted from your policy value as a result of each partial withdrawal. 
  
 Rider Anniversary 
  
 The anniversary of the rider date. 
  
 Rider Fee 
  
 The rider fee is the rider fee percentage referenced above, multiplied by the total withdrawal base at the time the fee is deducted. This fee will be deducted from each investment option in proportion to the amount of
policy value in that investment option on each rider anniversary. A portion of this fee will also be deducted when the rider is terminated based on the number of days that have elapsed since it was last deducted. 
  
 Rider Year 
  
 Each twelve-month period following the rider date. 
  

					
	RGMB 12 0105	  	(1)	  	 

  
 ARTICLE II 
  
 FOR LIFE GUARANTEED MINIMUM WITHDRAWAL BENEFIT 
  
 Under this rider, we guarantee that you can withdraw up to the maximum annual withdrawal
amount each year, regardless of the policy value, until the annuitant’s death. 
  
 Withdrawals will reduce the policy value of the base policy to which this rider is attached. Once the policy value equals zero, you cannot make subsequent premium payments and all other policy features, benefits and guarantees are
terminated except those provided by this rider. Withdrawals guaranteed by this rider can be continued by selecting an amount and frequency of payment in a manner acceptable to us. Once the payment amount and frequency are established, they cannot be
changed and no additional withdrawals will be paid. 
  
 Maximum Annual
Withdrawal Amount 
  
 On the rider date the maximum annual withdrawal amount
will be equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B multiplied by C where: 

  

	 	A)	is the total withdrawal base on the rider date,  

  

	 	B)	is the “For Life” withdrawal percentage shown on page 1. If the annuitant is not yet [59] on the rider date, this percentage will be equal to 0%, and 

  

	 	C)	is equal to the number of days between the rider date and January 1st of the next calendar year, divided by the number of days in the current calendar year.

  

	2)	is an amount equal to the minimum required distribution amount (based on the premium paid to the policy to which this rider is attached) for the current calendar year using the
annuitant’s age only if all of the following are true: 

  

	 	A)	the base policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  
 If any of the above are not true, then 2) is equal to zero and it is not
available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions, in certain situations. Such additional withdrawal amount will be an excess
gross partial withdrawal. 
  
 On January 1st of each subsequent calendar year
following the rider date, the maximum annual withdrawal amount will be reset equal to the greater of 1 and 2 where: 
  

	1)	is A multiplied by B where: 

  

	 	A)	is the total withdrawal base as of this date, and 

  

	 	B)	is the “For Life” withdrawal percentage shown on page 1. If the annuitant is not yet [59] on January 1st of the current calendar year, this percentage will be equal to 0%.

  

	2)	is an amount equal to the minimum required distribution amount for this base policy for the current calendar year using the annuitant’s age only if all of the following
are true: 

  

	 	A)	the base policy to which this rider is attached is a tax-qualified policy for which IRS minimum required distributions are required, 

  

	 	B)	the minimum required distributions do not start prior to the annuitant’s attained age 70 1/2, 

  

	 	C)	the minimum required distributions are based on either the Uniform Lifetime table or the Joint Life and Last Survivor Expectancy table, 

  

	 	D)	the minimum required distributions are based on age of the living annuitant The minimum required distributions can not be based on the age of someone who is deceased,

  

	 	E)	the minimum required distributions are based only on the policy to which this rider is attached, and 

  

	 	F)	the minimum required distributions are only for the current calendar year. Amounts carried over from past calendar years are not considered. 

  
 If any of the above are not true, then 2) is equal to zero and the minimum
required distribution is not available as a maximum annual withdrawal amount. An amount in addition to the amount described in 2 above, may need to be taken to satisfy minimum required distributions. Such additional withdrawal amount will be an
excess gross partial withdrawal. 
  

					
	RGMB 12 0105	  	(2)	  	 

  
 ARTICLE II CONTINUED

  
 Minimum Remaining Withdrawal Amount 
  
 The minimum remaining withdrawal amount is the total minimum dollar amount of guaranteed
withdrawals you have remaining, provided withdrawals do not exceed the maximum annual withdrawal amount each rider year. The minimum remaining withdrawal amount on the rider date is equal to the policy value (less premium enhancements, if the rider
is added in the first policy year). After the rider date, the minimum remaining withdrawal amount is equal to the minimum remaining withdrawal amount on the rider date plus any premiums added after the rider date (not including premium enhancements,
if any) less any adjustments for withdrawals described below. 
  
 Minimum
Remaining Withdrawal Amount Adjustments 
  
 Gross partial withdrawals up to
the maximum annual withdrawal amount will reduce the minimum remaining withdrawal amount by the same amount (dollar for dollar). Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the minimum remaining withdrawal
amount by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C	is the minimum remaining withdrawal amount after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount. 

 
 Total Withdrawal Base 
  
 The total withdrawal base on the rider date is equal to the policy value (less any premium
enhancements, if the rider is added in the first policy year). After the rider date, the total withdrawal base is equal to the total withdrawal base on the rider date, plus the full amount of any premiums (not including premium enhancements, if any)
added after the rider date, less any adjustments for withdrawals described below. 
  
 Total Withdrawal Base Adjustments 
  
 Gross partial withdrawals
up to the maximum annual withdrawal amount will not reduce the total withdrawal base. Gross partial withdrawals in excess of the maximum annual withdrawal amount will reduce the total withdrawal base by the greater of: 
  

	1)	the excess gross partial withdrawal amount; and 

  

	2)	the result of (A divided by B), multiplied by C, where: 

  

	 	A	is the excess gross partial withdrawal (the amount in excess of the maximum annual withdrawal amount remaining prior to the withdrawal); 

  

	 	B	is the policy value after the maximum annual withdrawal amount has been withdrawn, but prior to the withdrawal of the excess amount; and 

  

	 	C	is the total withdrawal base prior to the withdrawal of the excess amount 

  
 Death Benefits and Spousal Continuation 
  
 Upon the death of the annuitant, we will pay an additional death benefit amount equal to the excess, if any, of the minimum remaining withdrawal amount over the base
policy death benefit and this rider will then terminate. 
  
 In the case of
spousal joint owners where one spouse is the annuitant, if the spouse who is not the annuitant dies and the surviving spouse is the sole beneficiary, the surviving spouse may elect to continue the policy and rider and no additional death benefit
will be paid under this rider. 
  
 In the case of non-spousal joint owners where
an owner who is not the annuitant dies, the surviving owner (who is also the sole designated beneficiary) may elect to receive lifetime income payments instead of receiving any benefits applicable to the base policy. The lifetime income payments
must begin no later than 1 year after the owner’s death and will be equal to the maximum annual withdrawal amount divided by the number of payments made per year. Once the payments begin, no additional premium payments will be accepted and no
additional withdrawals will be paid. If these payments are elected but the annuitant dies before the minimum remaining withdrawal amount equals zero, the annuitant’s beneficiary will receive a death benefit equal to the minimum remaining
withdrawal amount 
  

					
	RGMB 12 0105	  	(3)	  	 

  
 ARTICLE III 
  
 RIDER UPGRADE 
  
 You may elect, in writing, to upgrade the total withdrawal base to the policy value, after the [third] rider anniversary. At this same time,
the minimum remaining withdrawal amounts will also be upgraded to the policy value and the maximum annual withdrawal amounts will be recalculated based on the new total withdrawal base. 
  
 If an upgrade is elected, this rider will terminate and a new rider with the same features will be issued with a new rider date and its own
rider fee percentage which may be higher than this rider’s rider fee percentage. 
  
 The new rider effective date will be the date the Company receives all information necessary, in a written form acceptable to the Company, to process the upgrade. The Company currently allows an upgrade at any time after the [third] rider
anniversary. After your [fourth] rider anniversary, the Company reserves the right to limit upgrade requests to 30 calendar days after each rider anniversary. 
  

Signed for us at our home office. 
  

					
			
	[/s/ Craig D. Vermie]	 	 	 	[Larry N. Norman]
	SECRETARY	 	 	 	PRESIDENT

  

					
	RGMB 12 0105	  	(4)Exhibit 4.F

 EXHIBIT (4)(f) 
  
 FORM OF RIDER (ADD+) 
  

							
	

	 	Home Office:
	 	 	  	 4333 Edgewood Road N.E.
 Cedar Rapids, Lowa 52499
 (319)398-8511
	 	 
	 A Stock Company     (Hereafter called the Company, we, our or us)
	 	 	  	 	 	 

  
 ADDITIONAL DEATH
BENEFIT RIDER 
  
 We issued this rider as a part of the policy to which it is
attached. 
  
 This rider will pay an Additional Death Benefit Amount as described
below. This Additional Death Benefit, if any, will be paid whenever death proceeds are payable on the base policy to which this rider is attached. 
  
 This rider will be considered terminated when the policy is annuitized or surrendered, or an Additional Death Benefit is paid or added to the policy under spousal
continuation under the terms of this rider. You may also cancel this benefit at any time by notifying us at our service center. However, if the rider is terminated it can not be re-elected within a year after it was last terminated. Once re-elected,
a new rider will be issued and the Additional Death Benefit amount will be re-determined. 
  

							
	 Policy Number:
	  	 	  	12345	 	 
	 Rider Date:
	  	 	  	01-10-03	 	 
	 Rider Benefit Percentage:
	  	 	  	30.0%	 	 
	 Rider Fee Percentage:
	  	 	  	0.55%	 	 

  
 DEFINITIONS 
  
 Rider Anniversary 
  
 The anniversary of the Rider Date for each year the rider remains in force. 
  
 Rider Benefit Base 
  
 This amount is equal to the Policy Value minus premiums paid after the Rider Date. 
  
 Rider Date 
  
 The date that this rider is added to the policy. 
  
 Rider Fee 
  
 The Rider Fee amount is equal to the Rider Fee Percentage above multiplied by the Policy Value (may be referred to as Annuity Purchase Value in the base policy to which this is attached) on the date the fee is
deducted. A Rider Fee is deducted annually on each Rider Anniversary prior to annuitization. We will also deduct this fee upon full surrender of the policy or other termination of the rider. If this rider is attached to a Variable Annuity, the Rider
Fee is deducted pro rata from each Investment Option. The Rider Fee is deducted even during periods when the Additional Death Benefit rider would not pay any benefit. 
  
 ADDITIONAL DEATH BENEFIT AMOUNT 
  
 If death proceeds are payable under the terms of the base policy to which this rider is attached, this rider will pay an Additional Death Benefit. If death occurs prior
to the fifth Rider Anniversary, the rider will pay an Additional Death Benefit equal to the sum of all Rider Fees paid since the Rider Date. If death occurs on or after the fifth Rider Anniversary, the rider will pay an Additional Death Benefit
equal to the Rider Benefit Percentage multiplied by the Rider Benefit Base on the date used to calculate the death proceeds. 
  
 SPOUSAL CONTINUATION 
  
 If a death occurs and the base policy gives the surviving spouse the right to continue the policy, the surviving spouse has two options: 
  

	 	1.)	Receive the death benefit attributable to this rider as well as the death benefit attributable to the base policy, at which time both rider and base policy would terminate, or

  

	 	2.)	Continue the policy and receive a one-time Policy Value (may be referred to as Annuity Purchase Value in the base policy to which this is attached) increase equal to the amount of
the Additional Death Benefit paid by this rider. At this time the rider would terminate. 

  
 If the policy is continued, the spouse would have the option of immediately re-electing the rider if they meet issue requirements at the time the rider is re-elected. 
  

 RTP 17 0103 

 Additional Death Benefit Example: 
  
 The Additional Death Benefit rider is added to a new policy opened with $100,000 initial premium. The Rider Benefit is 30% and the Rider Fee
is 0.55%. On the first and second Rider Anniversaries, the Policy Value is $10,000 and $95,000 respectively when the Rider Fees are deducted. The client adds $25,000 premium in the third Rider Year. After five years, the Policy Value has grown to
$130,000 and Death Proceeds have grown to $150,000. 
  

				
	 Additional Death Benefit Example Calculations:
	  	 	 
		
	 Death Proceeds on Rider Date (= initial Policy Value)
	  	$	100,000
	 Additional Death Benefit during 1st Rider Year
	  	$	0
	 Rider Fee on first Rider Anniversary (= Rider Fee * Policy Value = 0.55% * $110,000)
	  	$	605
	 Additional Death Benefit during 2nd Rider Year (= sum of total Rider Fees paid)
	  	$	605
	 Rider Fee on second Rider Anniversary (= Rider Fee * Policy Value = 0.55% * $95,000)
	  	$	522.50
	 Additional Death Benefit during 3rd Rider Year (= sum of total Rider Fees paid = $605 + $522.50)
	  	$	1,127.50
		
	 Rider Fees will continue to be deducted each Rider Anniversary.
	  	 	 
		
	 Rider Benefit Base after 5th Rider Year (= Policy Value – premiums = $130,000 – $25,000)
	  	$	105,000
	 Additional Death Benefit after 5th Rider Year = Rider Benefit Percentage *
	  	 	 
	 Rider Benefit Base = 30% * $105,000
	  	$	31,500
	 Total Death Proceeds (= base policy Death Proceeds + Additional Death Benefit Amount = $150,000 + $31,500)
	  	$	181,500

  
 Signed for Us at our
Home Office. 
  

					
			
	/s/ Craig D. Vermie	 	 	 	/s/ Larry N. Norman
	SECRETARY	 	 	 	PRESIDENT

  

 RTP 17 0103 (2)

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