COUNTRY INVESTORS LIFE ASSURANCE COMPANY
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INCREMENTAL DEATH BENEFIT RIDER
Supplemental Agreement attached to and made part of this contract in
consideration of the application.
1) BENEFIT: Under this contract, the Death Benefit prior to Annuitization will
be the Death Benefit defined under the contract without regard to this
Supplemental Benefit; plus, if applicable:
a) the Accumulated Value, minus the sum of all premium payments less the
sum of all partial withdrawals, both calculated as of the date of
death of the Owner, multiplied by
b) the Incremental Death Benefit Factor as defined on Page 1 (Contract
Specifications) of this contract.
Notwithstanding the foregoing, the incremental death benefit cannot exceed
50% of the sum of all premium payments less the sum of all partial
withdrawals.
In no event will this Supplemental Agreement decrease the Death Benefit
payable under this contract.
2) ANNUAL DEDUCTIONS: The annual deduction for this Supplemental Agreement
will be deducted on each Contract Anniversary. The current annual deduction
rate will be determined by us. If we change the rate, we will change it for
every contract in Your premium class. The current annual deduction rate as
of the Contract Date is shown on Page 1 (Contract Specifications). It will
never exceed 0.30% of the Accumulated Value.
3) NON-NATURAL OWNER: If any Owner of this contract is a non-natural person,
the Annuitant will be considered an Owner for purposes of this Supplemental
Agreement.
4) SPOUSAL BENEFICIARY: If the Beneficiary is the spouse of the Owner and,
when permitted under this contract, that Beneficiary elects to continue
this contract upon an Owner's death, no Death Benefit will be payable under
this contract or this Supplemental Agreement at that time. In such case, no
determination of the Death Benefit under this contract or this Supplemental
Agreement will be made until the death of that Beneficiary.
5) TERMINATION: This Supplemental Agreement terminates on the earliest of the
following:
a) the death of the Owner before Annuitization, unless a Spousal
Beneficiary, when permitted under this contract, has elected to
continue this contract after the death of the Owner; in which case,
the death of that spouse will end this Supplemental Agreement; or
b) a change of designation of Owner, unless We consent otherwise; or
c) Annuitization; or
d) termination of this contract.
Coverage will terminate at 12:00 AM on the termination date.
