Common use of Rider Charge Clause in Contracts

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date. The charge will be assessed on the PB and deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date. The charge will be assessed on the PB and deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll FOUNDATION RIDER (Joint Single Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date] annually. The charge will be assessed on Premium Payments adjusted for Partial Surrenders as described in this rider or if a change in owner occurs or spousal continuation is elected the PB charge will be assessed on the Contract Value as of the date of such change plus Premium Payments received after the date of such change adjusted for Partial Surrender as described in this rider and will be deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts Account(s) and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a the first Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary Anniversary, We will deduct a prorated share of the Rider Charge rider charge from the amount otherwise payable. The prorated share of the Rider Charge rider charge is equal to the Rider Charge rider charge percentage multiplied by the PB Premium Payments adjusted for Partial Surrenders as described in this rider prior to the surrenderSurrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge rider charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effective. No Rider Charge rider charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll HARTFORD LIFE AND ANNUITY INSURANCE COMPANY [ /s/ Donald C. Hunt /x/ Xxxx X. Walters ----------------------------------- ----------------------------------- DONALD C. HUNT, SECRETARY XXXX C. WALTERS, PRESIDENT ] [LOGO] THE HARTFORD HARTFORD LIFE AND ANNUITY INSURANCE COMPANY 200 HOPMEADOW STREET XXXXXXXX, XX 00000 DISTRIBUTION CHARGE RIDER (Joint Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).The following definition is added to the Definition of Certain terms section of the Contract:

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.751.50%]. Your current charge will not increase after the rider effective date] annually. The charge will be assessed on each Contract Anniversary based on the PB greater of (a) Base Return of Premium or (b) Enhanced Return of Premium. However, if a change in owner occurs or Spousal Continuation is elected the charge will be assessed on the Contract Value as of the Valuation Day of such change plus Premium Payments received after the Valuation Day of such change adjusted for Partial Surrenders and Transfers to Other Account(s) as described in this rider. The Rider Charge will be deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operativeAccount(s). If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a the first Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on On any date Valuation Day other than the Contract Anniversary and such partial surrender causes Anniversary, in the total surrenders during case of a Full Surrender, or a Partial Surrender in excess of the Contract Year to exceed the LBP and Lifetime Benefit Payment that reduces the Contract Value below an amount equal to below the greater of (a) the Contract minimum rule stated under Your Contract or (b) one of Your Lifetime Benefit Payments or such lower amount as We, in Our minimum amount rule then in effectdiscretion, may establish, then, We will deduct a prorated share portion of the Rider Charge from the amount otherwise payable. The prorated share portion of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB greater of (a) Base Return of Premium or (b) Enhanced Return of Premium prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrenderSurrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date Valuation Day the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll [ ] HL-EROPDB-11 7 Printed in U.S.A V0D616.FRM Hartford Life Insurance Company 000 Xxxxxxxxx Xxxxxx Xxxxxxxx, XX 00000 GUARANTEED MINIMUM ACCUMULATION BENEFIT RIDER (Joint Life/Spousal) II This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to YouRider Effective Date. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider has no cash surrender value. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a that on the Rider Maturity Date, your rider benefit will not be less than the Guaranteed Minimum Death Accumulation Benefit (DBGMAB).

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date] annually. The charge will be assessed on each Contract Anniversary based on Premium Payments adjusted for Partial Surrenders as described in this rider. However, if a change in owner occurs or Spousal Continuation is elected the PB charge will be assessed on the Contract Value as of the Valuation Day of such change plus Premium Payments received after the Valuation Day of such change adjusted for Partial Surrenders and Transfers to Other Account(s) as described in this rider. The Rider Charge will be deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operativeAccount(s). If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a the first Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If In the case of a Partial Full Surrender is taken on any date Valuation Day other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effectAnniversary, We will deduct a prorated share portion of the Rider Charge from the amount otherwise payable. The prorated share portion of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB Premium Payments adjusted for Partial Surrenders as described in this rider prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrenderSurrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date Valuation Day the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).[ HL-ROP-11.2 6 Printed in U.S.A. V0D622.FRM

Rider Charge. There The Rider Charge is expressed as an additional charge for this riderannual percentage of the Withdrawal Benefit Base. The charge will never exceed a guaranteed maximum rate One fourth of [0.75%]. Your current charge will not increase after the rider effective date. The charge annual Rider Charge will be assessed on multiplied by the PB average monthly Withdrawal Benefit Base for the quarter and deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year amount will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces deducted quarterly from the Contract Value to below Our minimum amount rule then on the date(s) specified in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Additional Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365Specifications. The Rider Charge will no longer not exceed the Maximum Rider Charge (both specified in Additional Contract Specifications). The Withdrawal Benefit Base used in the calculation is the average monthly Withdrawal Benefit Base over the quarter, which does not include the Guaranteed Growth Increase for the current Contract Year. Rider Charges will be assessed upon attainment deducted until the Annuity Date. The Rider Charge will be deducted from the Subaccounts of the Annuity Commencement Date or after Variable Account pro-rata based on the fund allocation at the time of deduction. The Company will deduct any accrued but uncollected Rider Charges on the date the withdrawal feature Contract is surrendered. In addition, upon payment of this rider is no longer effectiveany death benefit associated with the Contract, the death benefit payable will be reduced by the accrued Rider Charges. No Rider Charge will be assessed imposed upon annuitization, or deducted after the death Annuity Date. On the date of an automatic Step-Up of the Withdrawal Benefit Base to the Contract Value, the Rider Charge may be increased, but by no more than the Maximum Rider Charge Increase specified in Additional Contract Specifications, and will not be greater than the Rider Charge applicable to the class of Contract Owners then electing this Rider. The Contract Owner will be notified 60 days before an applicable Rider Charge increase and can opt out of any future Rider Charge increases by sending a written request to the Company at least 30 days prior to a Contract Anniversary. If the Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part opts out of the Rider Charge increases, no future increases in the current charge for the Rider will be made and all future Automatic Annual Step-Ups will be suspended. The Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all Owner may request a reinstatement of the conditions and limitations Automatic Annual Step-Ups of the ContractWithdrawal Benefit Base by sending a written request to the Company which must be received at least 30 days prior to a Contract Anniversary, on which the reinstatement is requested to be effective. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB)Future charges will be the same as the charges applied to the class of Contract Owners electing the benefit at that time, not to exceed the Maximum Rider Charge specified in Additional Contract Specifications.

Rider Charge. There is an additional will be a charge made for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after , as shown on the rider effective dateContract Data Pages, while it is in effect. The charge will be assessed calculated and deducted in arrears. The charge is calculated [quarterly] as a percentage of the value of the Annual Step-Up Death Benefit on the PB last reset date, plus Purchase Payments made since the last reset date adjusted for any withdrawals since the last reset date, and deducted on each Contract Anniversary on a prorated basis [quarterly] from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operativeValue. If the rider effective date a spouse is added as a Joint Annuitant after the Contract Issue Dateis issued, a new charge for the rider may apply. This new charge may be higher than the charge previously applied for this rider. On the day the rider and/or the Contract terminates, the period between the charge for this rider effective date will be calculated, prorata, and the next Contract Anniversary will constitute a Contract Yeardeducted. The charge for this Contract Year rider will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces deducted from the Contract Value to below Our minimum amount rule then proportionately across the Subaccounts and Guarantee Account in effect, which you are invested. We will deduct a prorated share waive any portion of the charge that would cause the net rate credited to any Guarantee Account to be less than required by New York statutes or regulations. When this Rider Charge from the amount otherwise payable. is Effective The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any effective date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effectivethe Contract Date unless another effective date is shown on the Contract Data Pages. No Rider Charge This rider may not be terminated prior to the Annuity Commencement Date. When Income Payments begin, this rider and its corresponding charge will terminate. If the Contract is surrendered or otherwise terminated, this rider will terminate. If the Contract is terminated and later reinstated, this rider cannot be reinstated without our approval. Resets of the Annual Step-Up Death Benefit will end on the first Valuation Day the Contract Value equals zero. On this day, if your Contract has not terminated, your Annual Step-Up Death Benefit will be assessed upon the death of Annual Step-Up Death Benefit on the last reset date plus Purchase Payments made since the last reset date, adjusted for any withdrawals since the last reset date. The Annual Step-Up Death Benefit will not reset after this day. If a Joint Annuitant is added to the Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This after the date this rider is issued as part issued, the calculation of benefits provided pursuant to this rider will be determined based on the age of the Contract to which it is attached, and is effective Annuitant(s) on the date it the Joint Annuitant is issued added to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.751.50%]. Your current charge will not increase after the rider effective date] annually. The charge will be assessed on each Contract Anniversary based on the PB DB payable as described in this rider. However, if a change in owner occurs or Spousal Continuation is elected the charge will be assessed on the Contract Value as of the Valuation Day of such change plus Premium Payments received after the Valuation Day of such change adjusted for Partial Surrenders and Transfers to Other Account(s) as described in this rider. The Rider Charge will be deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and Sub- Account(s). If a change in owner occurs or Spousal Continuation is elected or Your rider is reinstated, the Fixed Account, if charge will be assessed based on the Fixed Account Rider is attached to Your Contract and is operativeDB. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a the first Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If In the case of a Partial Full Surrender is taken on any date Valuation Day other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effectAnniversary, We will deduct a prorated share portion of the Rider Charge from the amount otherwise payable. The prorated share portion of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB greater of Premium Payments adjusted for Partial Surrenders as described in this rider or Maximum Anniversary Value as described in this rider prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrenderSurrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date Valuation Day the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll [ Hartford Life Insurance Company 000 Xxxxxxxxx Xxxxxx Xxxxxxxx, XX 00000 RETURN OF PREMIUM DEATH BENEFIT RIDER (Joint Life/Spousal) V This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB)) that replaces the standard death benefit provided in the Contract. The determination of the DB and how it can change are described in the other sections of this rider.

Rider Charge. There is The Rider Charge, expressed as an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date. The charge annual percentage, will be assessed on applied to the PB and deducted on each Contract Anniversary monthly average of the Withdrawal Benefit Base on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365quarterly basis. The Rider Charge will no longer be assessed upon attainment of deducted from the Annuity Commencement Date or after Contract Value quarterly on the date date(s) specified in the withdrawal feature of this rider is no longer effectiveAdditional Contract Specifications and will not exceed the Maximum Rider Charge shown on the Additional Contract Specifications. No The Rider Charge will be assessed upon deducted from the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part Subaccounts of the Contract to which it is attachedVariable Account pro-rata based on the fund allocation at the time of deduction. The Company will deduct any accrued, and is effective but uncollected rider charges on the date it the Contract is issued to Yousurrendered. Except where this rider provides otherwiseIn addition, it is subject to all upon payment of any Death Benefit associated with the contract, the Death Benefit payable will be reduced by the accrued costs of the conditions and limitations optional contract riders. No rider charge will be imposed upon annuitization, or deducted after the Annuity Date. On the date of an automatic Step-Up of the ContractWithdrawal Benefit Base to the Contract Value, the Rider Charge may be increased, but will not be greater than the current charge applicable to the class of Contract Owners then electing this Rider. This rider provides The current charge will not exceed the Maximum Rider Charge shown in the Additional Contract Specifications. The Contract Owner will be notified 60 days before an applicable Rider Charge increase and can opt out of any future Rider Charge increases, by sending a guaranteed Lifetime written request to the Company at least 30 days prior to a Contract Anniversary. If the Contract Owner opts out, no future increases in the current charge for the Rider will be made and all future Automatic Annual Step-Ups will be suspended. The Contract Owner may send a written request to the Company, at least 30 days prior to a subsequent Contract Anniversary, to reinstate the Automatic Annual Step-Ups of the Withdrawal Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB)Base. The reinstatement will be effective on Contract Anniversary following the current Contract Anniversary. Future charges will be the same as the charges applied to the class of Contract Owners electing the benefit at that time, not to exceed the Maximum Rider Charge shown on the Additional Contract Specifications.

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date. The charge will be assessed on the PB and deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effective. No Rider Charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).Company

Rider Charge. There The Rider Charge is expressed as an additional charge for this riderannual percentage of the Guaranteed Minimum Death Benefit Base. The charge will never exceed a guaranteed maximum rate One fourth of [0.75%]. Your current charge will not increase after the rider effective date. The charge annual Rider Charge will be assessed on multiplied by the PB average monthly Guaranteed Minimum Death Benefit Base for the quarter and deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a Contract Year. The charge for this Contract Year amount will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces deducted quarterly from the Contract Value to below Our minimum amount rule then on the date(s) specified in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Additional Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365Specifications. The Rider Charge will no longer not exceed the Maximum Rider Charge shown in Additional Contract Specifications. The Guaranteed Minimum Death Benefit Base used in the calculation is the average monthly Guaranteed Minimum Death Benefit Base over the quarter. Rider Charges will be assessed upon attainment deducted until the Annuity Date. The Rider Charge will be deducted from the Subaccounts of the Annuity Commencement Date or after Variable Account pro-rata based on the fund allocation at the time of deduction. The Company will deduct any accrued, but uncollected Rider Charges on the date the withdrawal feature Contract is surrendered. In addition, upon payment of this rider is no longer effectiveany Death Benefit associated with the Contract, the Death Benefit payable will be reduced by the accrued Rider Charges. No Rider Charge will be assessed imposed upon annuitization, or deducted after the death Annuity Date. On the date of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll RIDER (Joint Life/Spousal) This rider is issued as part an automatic Step-Up of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB)Base to the Contract Value, the Rider Charge may be increased, but by no more than the Maximum Rider Charge Increase specified in Additional Contract Specifications, and will not be greater than the Rider Charge applicable to the class of Contract Owners then electing this Rider. The Contract Owner will be notified 60 days before an applicable Rider Charge increase and can reject the Rider Charge increase and thus terminate the Rider by sending, at least 30 days prior to a Contract Anniversary, a written request to the Company to do so.

Rider Charge. There is an additional charge for this rider. The charge will never exceed a guaranteed maximum rate of [0.75%]. Your current charge will not increase after the rider effective date] annually. The charge will be assessed on Premium Payments adjusted for Partial Surrenders as described in this rider or if a change in owner occurs or spousal continuation is elected the PB charge will be assessed on the Contract Value as of the date of such change plus Premium Payments received after the date of such change adjusted for Partial Surrender as described in this rider and will be deducted on each Contract Anniversary on a prorated basis from the Sub-Accounts Account(s) and the Fixed Account, if the Fixed Account Rider is attached to Your Contract and is operative. If the rider effective date is after the Contract Issue Date, the period between the rider effective date and the next Contract Anniversary will constitute a the first Contract Year. The charge for this Contract Year will be prorated based on the number of days between the rider effective date and the next Contract Anniversary. If a Partial Surrender is taken on any date other than the Contract Anniversary and such partial surrender causes the total surrenders during the Contract Year to exceed the LBP and reduces the Contract Value to below Our minimum amount rule then in effect, We will deduct a prorated share of the Rider Charge from the amount otherwise payable. The prorated share of the Rider Charge is equal to the Rider Charge percentage multiplied by the PB prior to the surrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. In the case of a Full Surrender on any date other than the Contract Anniversary Anniversary, We will deduct a prorated share of the Rider Charge rider charge from the amount otherwise payable. The prorated share of the Rider Charge rider charge is equal to the Rider Charge rider charge percentage multiplied by the PB Premium Payments adjusted for Partial Surrenders as described in this rider prior to the surrenderSurrender, multiplied by the number of days since the last Contract Anniversary, divided by 365. The Rider Charge rider charge will no longer be assessed upon attainment of the Annuity Commencement Date or after the date the withdrawal feature of this rider is no longer effective. No Rider Charge rider charge will be assessed upon the death of a Contract Owner or Annuitant. Signed for Hartford Life Insurance Company LIFETIME INCOME BUILDER ll HARTFORD LIFE INSURANCE COMPANY [ /s/ Donald C. Hunt /x/ Xxxx X. Xalters -------------------------------- -------------------------------- DONALD C. HUNT, SECRETARY XXXX X. WALTERS, PRESIDENT ] [LOGO] THE HARTFORD HARTFORD LIFE INSURANCE COMPANY 200 HOPMEADOW STREET XXXXXXXX, XX 00000 DISTRIBUTION CHARGE RIDER (Joint Life/Spousal) This rider is issued as part of the Contract to which it is attached, and is effective on the date it is issued to You. Except where this rider provides otherwise, it is subject to all of the conditions and limitations of the Contract. This rider provides a guaranteed Lifetime Benefit Payment (LBP) and a Guaranteed Minimum Death Benefit (DB).The following definition is added to the Definition of Certain terms section of the Contract: