NORTHBROOK LIFE INSURANCE COMPANY
(herein called "we" or "us")
Enhanced Earnings Death Benefit Plus Rider
This rider was issued because you selected the Enhanced Earnings Death Benefit
Plus Rider.
For purposes of this benefit, "Rider Date" is the date the Enhanced Earnings
Death Benefit Plus Rider was made a part of your Contract: xx/xx/xxxx
Definition of terms as used in this rider
o Contract: The Contract or Certificate to which this rider is attached.
o In-Force Earnings: The greater of (a) the current Contract Value less
current In-Force Premium; or (b) zero.
o In-Force Premium:
If the Rider Date is equal to the Contract Date:
The sum of all the purchase payments less the sum of all the
Excess-of-Earnings Withdrawals.
If the Rider Date is after the Contract Date:
The Contract Value as of the Rider Date plus all the purchase payments made
after the Rider Date less the sum of all the Excess-of-Earnings Withdrawals
after the Rider Date.
o Excess-of-Earnings Withdrawals: For each withdrawal, this amount is equal
to the excess, if any, of the amount of the withdrawal less the amount of
In-Force Earnings in the Contract immediately prior to the withdrawal.
Under this rider, the following death benefit is payable upon death of any Owner
(or Annuitant, if the Owner is a non-natural person) and in addition to any
other Death Benefit payable under this Contract. The Enhanced Earnings Death
Benefit Plus Rider will be calculated as of the date we receive due proof of
death.
1. If the oldest Owner, or the Annuitant if the Owner is a non-natural person,
is age 55 or younger on the date we receive the completed application or
the date we receive the written request to add this rider, whichever is
later, the Enhanced Earnings Death Benefit Plus Rider will be:
o The lesser of 100% of In-Force Premium, excluding purchase payments made
after the Rider Date and in the twelve month period immediately preceding
the death of an Owner (or Annuitant, if the Owner is a non-natural person),
or 50% of In-Force Earnings, calculated as of the date we receive due proof
of death.
If the oldest Owner, or the Annuitant if the Owner is a non-natural
person, is between the ages of 56 and 65 on the date we receive the
completed application or the date we receive the written request to
add this rider, whichever is later, the Enhanced Earnings Death
Benefit Plus Rider will be:
o The lesser of 80% of In-Force Premium, excluding purchase payments made
after the Rider Date and in the twelve month period immediately preceding
the death of an Owner (or Annuitant, if the Owner is a non-natural person)
or 40% of In-Force Earnings, calculated as of the date we receive due proof
of death.
If the oldest Owner, or the Annuitant if the Owner is a non-natural
person, is between the ages of 66 and 75 on the date we receive the
completed application or the date we receive the written request to
add this rider, whichever is later, the Enhanced Earnings Death
Benefit Plus Rider will be:
o The lesser of 50% of In-Force Premium, excluding purchase payments made
after the Rider Date and in the twelve month period immediately preceding
the death of an Owner (or Annuitant, if the Owner is a non-natural person)
or 25% of In-Force Earnings, calculated as of the date we receive due proof
of death.
If the Owner is a natural person, the Enhanced Earnings Death Benefit
Plus Rider is payable and this rider will terminate and charges for
this rider will cease upon receipt of due proof of death of the Owner
unless the rider is continued as defined in Section III below. If the
Owner is a non-natural person, the Enhanced Earnings Death Benefit
Plus Rider is payable and this rider will terminate and charges for
this rider will cease upon receipt of due proof of death of the
Annuitant.
II. Under this rider, the maximum annualized Mortality and Expense Risk Charge,
as defined in the Contract, is increased as follows:
On the date we receive the completed application or the date we
receive the written request to add this rider, whichever is later, if
the oldest Owner (or Annuitant, if the Owner is a non-natural person)
is age 55 or younger, the maximum annualized Mortality and Expense
Risk Charge will be increased on the Rider Date by 0.15%.
On the date we receive the completed application or the date we
receive the written request to add this rider, whichever is later, if
the oldest Owner (or Annuitant, if the Owner is a non-natural person)
is between the ages of 56 and 65, the maximum annualized Mortality and
Expense Risk Charge will be increased on the Rider Date by 0.25%.
On the date we receive the completed application or the date we
receive the written request to add this rider, whichever is later, if
the oldest Owner (or Annuitant, if the Owner is a non-natural person)
is between the ages of 66 and 75, the maximum annualized Mortality and
Expense Risk Charge will be increased on the Rider Date by 0.35%.
III. Spousal Continuation of Enhanced Earnings Death Benefit Plus Rider
Upon the death of any Owner, if the sole new Owner is your spouse and
your spouse continues the Contract under the Death of Owner provision
in your Contract, then this rider will also continue unless one of the
following conditions apply:
o The oldest new Owner is over age 75 on the date we receive due proof of
death; or
o The new Owner elects to terminate this rider.
If this rider is terminated under the conditions described above, then
the charge for this rider will cease as of the date we receive due
proof of death.
If the rider is continued, then the following conditions apply:
o The Rider Date is reset to the date the Contract is continued;
NLU944 Page 4 (02/01)
o The new Rider Date is used to calculate the In-Force Premium;
o The age of the oldest new Owner as of the new Rider Date will be used to
determine the Enhanced Earnings Death Benefit Plus Rider after the new
Rider Date;
o The Mortality and Expense Risk Charge (as described above) used to
determine the rider fee will change to reflect the age of the oldest new
Owner as of the new Rider Date; and
o The Enhanced Earnings Death Benefit Plus Rider is added to the Death
Benefit amount for purposes of determining the new Contract Value on the
date the Contract is continued.
IV. The Enhanced Earnings Death Benefit Plus Rider will terminate and charges
for this rider will cease when the Owner (or Annuitant, if the Owner is a
non-natural person) is changed for reasons other than death.
V. Misstatement of Age for the Enhanced Earnings Death Benefit Plus Rider
If an Owner or the Annuitant's age is misstated, the Enhanced Earnings
Death Benefit Plus Rider will be based on the corrected age and the
Contract will be adjusted to reflect the fees 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
