Common use of Misstatement of Age for the Earnings Protection Death Benefit Rider Clause in Contracts

Misstatement of Age for the Earnings Protection Death Benefit Rider. If either the Owner's or the Annuitant's age is misstated, the Earnings Protection Death Benefit and the Mortality and Expense Risk Charge for this rider will be calculated according to the corrected age as of the Rider Date. Your Contract Value will be adjusted to reflect the Mortality and Expense Risk Charge for this rider that should have been assessed based on the corrected age. Except as amended by this rider, the Contract remains unchanged. ----------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer ALLSTATE LIFE INSURANCE COMPANY (herein called "we" or "us") Retirement Income Guarantee Rider 1 This rider was issued because you selected the Retirement Income Guarantee Rider 1. This rider modifies the benefit provided by your Contract, to the extent described below, and the charge for this rider is in addition to charges defined in your Contract.

Misstatement of Age for the Earnings Protection Death Benefit Rider. If either the Owner's or the Annuitant's age is misstated, the Earnings Protection Death Benefit and the Mortality and Expense Risk Charge for this rider will be calculated according to the corrected age as of the Rider Date. Your Contract Value will be adjusted to reflect the Mortality and Expense Risk Charge for this rider that should have been assessed based on the corrected age. Except as amended by this rider, the Contract remains unchanged. ----------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] ----------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Exhibit 4(n) ALLSTATE LIFE INSURANCE COMPANY (herein called "we" or "us") Retirement Income Guarantee Rider 1 This rider was issued because you selected the Retirement Income Guarantee Rider 1. This rider modifies the benefit provided by your Contract, to the extent described below, and the charge for this rider is in addition to charges defined in your Contract.