EXHIBIT 99.27(d)(4) NORTHSTAR LIFE SPOUSE COVERAGE RIDER Northstar Life Insurance Company - University Corporate Centre at Amherst - Suite 424 - 100 Corporate Parkway - Amherst, New York 14226 READ YOUR POLICY CAREFULLY This rider amends Group Policy...Spouse Coverage Rider • August 8th, 2002 • Northstar Life Variable Universal Life Account
