Common use of OWNERSHIP AND BENEFICIARY CHANGES Clause in Contracts

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Ownerowner, a new Primary Beneficiary or a new Contingent Secondary Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Secondary Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Secondary Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at delivered to the Home Administrative Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recordedReceived by FSBL. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL FSBL prior to the time it was recordedReceived by FSBL. SBL FSBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Administrative Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLFSBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 2,000,000 will not be accepted without prior approval by SBLFSBL. The Minimum Subsequent Purchase Payment amount is shown on page 3the Contract Data Page. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBLFSBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Administrative Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL FSBL prior to the time it was recordedreceived. SBL FSBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Administrative Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLFSBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLFSBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBLFSBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Secondary Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice choise of Owner, Primary Beneficiary or Contingent Secondary Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Secondary Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. -9- BP 602341 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract becomes in force on the Contract Date. The Owner is not required to continue Purchase Payments in the amount or frequency originally planned. The Owner may: (1) increase or decrease the amount of Purchase Payments, subject to any Contract limits; or (2) change the frequency of Purchase Payments. A change in frequency or amount of Purchase Payments does not require a written request. If no Purchase Payment is received during the 180-day period beginning on the Contract Date, the Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLautomatically terminate. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLthe Company. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed General Account and the SubaccountsSeries. The allocations may be a whole dollar amount or a whole percentage and percentage. However, no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Secondary Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Secondary Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Secondary Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract will not be becomes in force until we receive at our Home Office when the initial Purchase PaymentPayment is applied. You may make additional The Owner is not required to continue Purchase Payments at in the amount or frequency originally planned. The Owner may: 1) increase or decrease the amount of Purchase Payments, subject to any time before Contract limits; or 2) change the Annuity Start Date, while the Owner is living, and this Contract is frequency of Purchase Payments. A change in force. frequency or amount of Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLdoes not require a written request. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLthe Company. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. Each allocation to the Fixed Account and the Subaccounts must be at least 1% of the Purchase Payment. The allocations must be whole percentage amounts and must total 100%. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Secondary Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Secondary Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Secondary Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract will not be becomes in force until we receive at our Home Office when the initial Purchase PaymentPayment is applied. You may make additional The Owner is not required to continue Purchase Payments at in the amount or frequency originally planned. The Owner may: (1) increase or decrease the amount of Purchase Payments, subject to any time before Contract limits; or (2) change the Annuity Start Date, while the Owner is living, and this Contract is frequency of Purchase Payments. A change in force. frequency or amount of Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLdoes not require a written request. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLthe Company. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. Each allocation to the Fixed Account and the Subaccounts must be at least 1% of the Purchase Payment. The allocations must be whole percentage amounts and must total 100%. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. V6029B (8-00) 10 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract will not be becomes in force until we receive at our Home Office when the initial Purchase PaymentPayment is applied. You may make additional The Owner is not required to continue Purchase Payments at in the amount or frequency originally planned. The Owner may: (1) increase or decrease the amount of Purchase Payments, subject to any time before Contract limits; or (2) change the Annuity Start Date, while the Owner is living, and this Contract is frequency of Purchase Payments. A change in force. frequency or amount of Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLdoes not require a written request. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLthe Company. The Company will not accept Purchase Payments after the Annuity Start Date. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The allocations may be made by specifying the dollar amount or whole percentage to be allocated to each Account. No less than $25 per Purchase Payment may be allocated to any account. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Secondary Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Secondary Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at delivered to the Home Administrative Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recordedReceived by FSBL. A new choice of Primary Beneficiary or Contingent Secondary Beneficiary will not apply to any payment made or action taken by SBL FSBL prior to the time it was recordedReceived by FSBL. SBL FSBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Administrative Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLFSBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLFSBL. The Minimum Subsequent Purchase Payment amount is shown on page 3the Contract Data Page. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBLFSBL. PLACE OF PAYMENT All Purchase Payments under this Contract are to be paid to FSBL at its Administrative Office. Purchase Payments after the initial Purchase Payment are applied as of the end of the Valuation Period during which they are Received by FSBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. V6029B (11-00) 10 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. 25 Bookmark not defined.. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no percentage. No less than $25 per Purchase Payment may be allocated to any Subaccount. No less than $____ may be allocated to the Fixed Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. V6029B (11-00)U 10 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 325. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will automatically revoke any prior choicechoice of Owner, Primary Beneficiary or Contingent Beneficiary. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. 00-00000-00 V 6020 D (3-93) BP 602031 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract will not be becomes in force until we receive at our Home Office when the initial Purchase PaymentPayment is applied. You may make additional The Owner is not required to continue Purchase Payments at in the amount or frequency originally anticipated. The Owner may: (1) increase or decrease the amount of Purchase Payments, subject to any time before Contract or administrative limitations; or (2) change the frequency of Purchase Payments. A change in frequency or amount of Purchase Payments does not require a written request. After the Annuity Start Date, while the Owner is living, and this Contract is in force. Company will not apply any new Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLthis Contract. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding may not be greater than $1,000,000 will not be accepted without prior approval by SBLthe Company. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed Account and the SubaccountsSub-Accounts. The allocations may be a whole made by specifying the dollar amount or a the whole percentage and to go to each account. However, no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if anyaccount. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you the Owner may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL the Company prior to the time it was recorded. SBL The Company may require the Contract be returned so these changes may be made. -9- BP 602AS1 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This The Contract will not be becomes in force until we receive at our Home Office when the initial Purchase PaymentPayment is applied. You may make additional The Owner is not required to continue Purchase Payments at in the amount or frequency originally planned. The Owner may: (1) increase or decrease the amount of Purchase Payments, subject to any time before Contract limits; or (2) change the Annuity Start Date, while the Owner is living, and this Contract is frequency of Purchase Payments. A change in force. frequency or amount of Purchase Payments are payable in U.S. dollars and checks should be made payable to SBLdoes not require a written request. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBLthe Company. The Company will not accept Purchase Payments after the Annuity Start Date. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will may be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The allocations may be made by specifying the dollar amount or whole percentage to be allocated to each Account. No less than $25 per Purchase Payment may be allocated to any account. The Owner may change the allocations by written notice to SBLthe Company.

OWNERSHIP AND BENEFICIARY CHANGES. Subject to the terms of any existing Assignment, you may name a new Owner, a new Primary Beneficiary or a new Contingent Beneficiary; provided that you may not change or remove an irrevocable Beneficiary without obtaining his or her written consent in a form acceptable to us. Any new choice of Owner, Primary Beneficiary or Contingent Beneficiary will revoke any prior choice. Any change must be made in writing and recorded at the Home Office. The change will become effective as of the date the written request is signed, whether or not the Owner is living at the time the change is recorded. A new choice of Primary Beneficiary or Contingent Beneficiary will not apply to any payment made or action taken by SBL prior to the time it was recorded. SBL may require the Contract be returned so these changes may be made. V6029B (8-00)U 10 -------------------------------------------------------------------------------- PURCHASE PAYMENT PROVISIONS -------------------------------------------------------------------------------- FLEXIBLE PURCHASE PAYMENTS This Contract will not be in force until we receive at our Home Office the initial Purchase Payment. You may make additional Purchase Payments at any time before the Annuity Start Date, while the Owner is living, and this Contract is in force. Purchase Payments are payable in U.S. dollars and checks should be made payable to SBL. PURCHASE PAYMENT LIMITATIONS Purchase Payments exceeding $1,000,000 will not be accepted without prior approval by SBL. The Minimum Subsequent Purchase Payment amount is shown on page 3. PURCHASE PAYMENT ALLOCATION Purchase Payments will be allocated among the Fixed Account and the Subaccounts. The allocations may be a whole dollar amount or a whole percentage and no less than $25 per Purchase Payment may be allocated to any Account. Purchase Payments will be allocated according to the Owner's instructions in the Application or more recent instructions, if any. The Owner may change the allocations by written notice to SBL.