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FORM N-6, ITEM 26(d)
CONTRACTS
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American United Life Insurance Company
[One American Square
Indianapolis, IN 46206]
PREMIUM DEPOSIT ACCOUNT RIDER
This rider is a part of the policy to which it is attached. The Policy Date of
this rider is the same as the Policy Date of the policy unless otherwise stated
on the Rider Specifications Page. The rider's provisions shall control when
there is a conflict between this rider and the policy.
Benefit
You may make payments to a Premium Deposit Account while the policy is in force.
Each payment must be at least the minimum premium payment amount for the policy
as shown on the Policy Data Page. On each Policy Anniversary, we will credit the
Premium Deposit Account with interest at such rate as we may declare, provided
that no interest will be credited for any period less than one month. We reserve
the right to decline any payments that, together with the amount already in the
account, exceeds 10% of the amount of insurance shown on Page 3 of the Policy.
We may also decline to accept any payment if there is indebtedness on the
Policy.
Withdrawals from the Account
You may withdraw any part of this account without penalty at any time before the
Insured's death.
We may withdraw funds from the Premium Deposit Account to make premium payments
on the Policy, whenever Monthly Deductions remain unpaid at the last day of the
Grace Period. In that case, part of the account will be withdrawn so that when
that part is applied as premium on the policy, it will allow all unpaid Monthly
Deductions to be made. Also, you may instruct us to make premium payments from
the Premium Deposit Account at any time.
Death
Upon receipt of due proof of the death of the Insured, the balance of the
Premium Deposit Account will be paid to the Owner, if other than the Insured. If
the Owner and Insured are the same, upon death the remaining balance will be
paid to the beneficiary listed on the policy.
Termination - This rider will automatically terminate on the following dates:
1. The date the policy is terminated, surrendered for cash, or continued
as paid-up or extended term insurance.
2. The Monthiversary following the date requested in writing by the
Owner.
LR-214 Page 1 of 2 3-2008
Signed for American United Life Insurance(R) Company by,
Xxxxxx X. Xxxxx
Secretary
LR-214 Page 2 of 2 3-2008
