Contract

EXHIBIT 4(c) Form of guaranteed minimum accumulation benefit Rider. Guaranteed Minimum Accumulation Benefit Rider THIS RIDER IS PART OF THE CONTRACT TO WHICH IT IS ATTACHED. IT IS SUBJECT TO THE TERMS, CONDITIONS, AND PROVISIONS CONTAINED IN THE CONTRACT. THE PROVISIONS OF THIS RIDER WILL SUPERSEDE ANY CONFLICTING PROVISIONS OF THE CONTRACT. DEFINITION CONTRACT. When this rider is attached to a Certificate issued under a Group Contract, "Contract" herein means the Certificate. Otherwise, "Contract" may refer to either an individually issued Contract or Policy. EFFECTIVE DATE If elected upon the initial Contract application, this rider is effective on the Contract's date of issue. If elected after the Contract date of issue, this rider is effective on the date we issue the rider as attached to the Contract. BENEFIT At the end of the 5th and 10th Contract Year from the effective date of the Guarantee Period and while this rider is in force, if Contract Value allocated to a Rider Guarantee Period is less than the Guaranteed Amount, the Company will automatically credit to that allocated Contract Value such amount as necessary so that the allocated Contract Value equals the Guaranteed Amount. Contract Value may be allocated to the Rider at any time after the Rider is issued. Each allocation of Contract Value to the Rider has its own Guarantee Period. The Guaranteed Amount is defined as follows: 1. At the end of the 5th Contract Year from the allocation of Contract Value to the Rider, the allocated Contract Value is guaranteed to be 105% of the initial allocated amount, less any withdrawals. 2. At the end of the 10th Contract Year from the allocation of Contract Value to the Rider, the allocated Contract Value is guaranteed to be the greater of: (a) 120% of the initial allocated amount, or (b) The highest Contract Value of the allocated amount since the date of the initial allocation and less any withdrawals. COST OF RIDER The charge for this rider is deducted from the Separate Account Contract Value allocated to the Rider on a monthly basis until all Rider guarantees end. INVESTMENTS Each allocation of Contract Value to the Rider must be allocated to or among the following investment options: Old Mutual VA Asset Allocation Portfolios: o Balanced Portfolio o Conservative Portfolio o Moderate Growth Portfolio OM Financial Asset Allocation Models: o Conservative Model o Moderately Conservative Model o Moderate Model o Moderately Aggressive Model WITHDRAWALS Withdrawals of Contract Value will be taken proportionately from any Fixed Rate accounts and investment options and will reduce the Guaranteed Amounts proportionately. TERMINATION OF RIDER This rider will automatically terminate at the end of the guarantee period or upon the death of the annuitant or joint annuitant. The rider cannot otherwise be terminated. Any remaining benefits under the rider will terminate at that time and no further benefits will be payable. Once terminated, the rider can be re-elected for allocations of additional Contract Value to the rider. NONPARTICIPATING Dividends are not payable. Signed for the Company. OM FINANCIAL LIFE INSURANCE COMPANY President