OPTIONAL This rider is issued as part of the contract to which it is attached. This rider cannot DEATH BENEFIT be terminated either by the Contract Owner or the Company. Except where this ENHANCEMENT rider provides otherwise, it is subject to all of the terms and conditions of the
contract. RIDER
RIDER BENEFITS Spouse Beneficiary
If the contract continues with the spouse as the Contract Owner, subject to the conditions of the Spouse Beneficiary provision as set forth in the contract, the Death Benefit will be calculated on receipt of Due Proof of Death. If the Contract Value is less than the calculated Death Benefit amount, the Contract Value will be increased to equal the calculated Death Benefit amount.
Death Benefit
If the Contract Owner or Annuitant dies before the Annuity Commencement Date a Death Benefit is payable. This rider adds an Interest Accumulation feature to the calculation of that Death Benefit. The Death Benefit is calculated as of the date Due Proof of Death is received
by the Company and is the greatest of:
(a)the Contract Value; or
(b)100% of all premium payments made under the contract, reduced by the dollar amount of any partial surrenders since the Date of Issue or;
(c)the Maximum Anniversary Value as described in the contract; or
(d)the Interest Accumulation Value commencing on the date the rider is added to the contract.
INTEREST Prior to the decedent’s date of death or 81st birthday, if earlier, the Interest Accumulation ACCUMULATION Value is equal to
the Contract Value as of the date this rider is added (“Beginning VALUE Contract Value”) plus any premium payments made after the date this rider is added to
the contract, less proportional adjustments for partial surrenders taken after this rider is added to the contract, compounded daily at an annual interest rate of 5.0%. The proportional adjustment for partial surrenders is calculated by:
a)dividing the gross amount of the partial surrender by the prior day’s Contract Value, and
b)multiplying the result of (a) by the prior Valuation Day’s Interest Accumulation Value.
On or after the decedent’s 81st birthday or date of death, the Interest
Accumulation Value will no longer compound. After that date, the Interest Accumulation Value will be adjusted by adding any subsequent payments and subtracting proportional adjustments, for partial surrenders, as described above.
The Interest Accumulation Value will be limited to 200% of the Beginning Contract Value, plus 200% of all premium payments made after the date this rider is added, minus proportional adjustments for partial surrenders made after the date the rider is added.
HL-VA94OPTDBS Page 1 of 2 Printed in U.S.A.
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RIDER
CHARGE The charge for this rider is added to the net investment factor. The net investment factor for each Sub-Account is:
a)the net asset value per share of the corresponding Fund at the end of the valuation period (plus the per share amount of any unpaid dividends or capital gains by that Fund); divided by
b)the net asset value per share of the corresponding Fund at the beginning of the valuation period; minus
c)the mortality and expense risk charge and any applicable administration charge, adjusted for the number of days in the valuation period; minus
d)the charge for this rider, adjusted for the number of
days in the valuation period. The charge for this rider is [.25%] per annum of the daily value of the Sub-Accounts. Signed for Hartford Life Insurance Company
