Exhibit 99(4)(e)

Rider

Annual Reset Death Benefit

This rider is part of your contract. It is subject to the contract terms. If the terms of this rider and the contract differ, this rider controls. This rider is only available if, as of the Effective Date, the Guaranteed Minimum Income Benefit Rider (Annual Reset Option) is also attached to, and made part of, your contract.

As long as this rider remains in force, the following Annual Reset Death Benefit Amount provision is added to, and made part of, your contract as a subheading under, and at the end of, the Guaranteed Minimum Death Benefit Amount provision.

Annual Reset Death Benefit Amount

The Guaranteed Minimum Death Benefit Amount will equal the Annual Reset Death Benefit Amount unless this contract or a rider attached to, and made part of this contract, results in a higher Guaranteed Minimum Death Benefit Amount. The Annual Reset Death Benefit Amount is equal to the greater of: (a) the Guaranteed Earnings Death Benefit Amount; or (b) the Annual Step-up Death Benefit Amount.

Guaranteed Earnings Death Benefit Amount. The initial Guaranteed Earnings Death Benefit Amount is equal to your Net Purchase Payment made on the Contract Date, plus any additional Net Purchase Payments made on or before the three-month anniversary of the Contract Date. Subject to the foregoing, at the end of each subsequent Valuation Period, the Guaranteed Earnings Death Benefit Amount is equal to:

(1)	the Guaranteed Earnings Death Benefit Amount at the end of the preceding Valuation Period adjusted as specified below; plus
(2)	any additional Net Purchase Payments made to this contract during the Valuation Period; less
(3)	the amount of all withdrawals (including the applicable Contingent Deferred Sales Charges, if any) taken from this contract during the Valuation Period, up to the amount that, when taken together with other withdrawals taken during the Contract Year, equals 6% of the Guaranteed Earnings Death Benefit Amount as of the beginning of the Contract Year multiplied by a factor which is equal to (i) 1 for withdrawals taken until the anniversary of the Contract Date that immediately follows the Annuitant’s 85th birthday and (ii) zero for withdrawals taken from the anniversary of the Contract Date after the Annuitant’s 85th birthday; less
(4)	on a pro rata basis, the amount of any withdrawals (including the applicable Contingent Deferred Sales Charges, if any) in excess of the withdrawals covered by (3) above or any withdrawals taken after the anniversary of the Contract Date immediately following the Annuitant’s 90th birthday.

For each withdrawal described in (4) above, the Guaranteed Earnings Death Benefit Amount will be reduced by the same percentage reduction to the Contract Value that resulted from the withdrawal.

However, if in any Contract Year, all the withdrawals taken from this contract would be covered by (3) above, then the sum of those withdrawals will instead be treated as a single withdrawal that is made at the end of that Contract Year.

The Guaranteed Earnings Death Benefit Amount will be adjusted at the end of each Valuation Period until the anniversary of the Contract Date that immediately follows the Annuitant’s 85th birthday. The amount of the adjustment will be calculated by applying factors to the Guaranteed Earnings Death Benefit Amount as of the end of the preceding Valuation Period. The adjustment factor for each Valuation Period will be determined based on an annual effective rate of 6%, except for the Guaranteed Earnings Death Benefit Amount attributable to the Money Market Portfolio and the Fixed Accumulation Account, if available.

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Money Market Portfolio. With respect to the Guaranteed Earnings Death Benefit Amount attributable to the Money Market Portfolio, the factor will be the lesser of (a) or (b), where:

(a)	is the Net Investment Factor for the Money Market Portfolio for the Valuation Period minus one; and
(b)	is a factor for the Valuation Period equivalent to an annual effective rate of 6%.

At our sole discretion, we may elect to apply a factor that is equivalent to an annual effective rate of 6% to any portion of the Guaranteed Earnings Death Benefit Amount attributable to the Money Market Portfolio, provided such is included as part of an Asset Allocation Model.

Fixed Accumulation Account. With respect to the Guaranteed Earnings Death Benefit Amount attributable to the Fixed Accumulation Account, if available, a factor for each purchase payment allocated, or funds transferred, to the Fixed Accumulation Account will be determined for each Valuation Period at the lesser of (a) or (b); where:

(a)	is the annual effective rate being credited to a purchase payment allocated, or funds transferred, to the Fixed Accumulation Account for the Valuation Period; and
(b)	is a factor for the Valuation Period equivalent to an annual effective rate of 6%.

Annual Step-up Death Benefit Amount. The Annual Step-up Death Benefit Amount during the first Contract Year shall be the total of all Net Purchase Payments made to this contract and adjusted, on a pro rata basis, for any withdrawals (including the applicable Contingent Deferred Sales Charges, if any) taken from this contract. Under the pro rata adjustment, the Annual Step-up Death Benefit Amount will be reduced by the same percentage reduction to the Contract Value that resulted from the withdrawal. On the first anniversary of the Contract Date, the Annual Step-up Death Benefit Amount shall be increased to the Contract Value at that time, if it is greater, and if prior to the Annuitant’s 86th birthday.

The Annual Step-up Death Benefit Amount in subsequent one-year periods shall equal the Annual Step-up Death Benefit Amount as of the prior anniversary of the Contract Date, plus any Net Purchase Payments made to this contract during the one-year period, and adjusted, on a pro rata basis, for any withdrawals (including the applicable Contingent Deferred Sales Charges, if any) taken from this contract during the one-year period. On each anniversary of the Contract Date, the Annual Step-up Death Benefit Amount shall be increased to the Contract Value, if it is greater, up to and including the anniversary of the Contract Date before the Annuitant’s 86th birthday.

Effective Date

If this rider is issued with your contract, this rider becomes effective on the Contract Date shown in the Contract Specifications Page of the contract.

In our sole discretion, we may determine that this rider may be added to previously issued contracts. In such an event, this rider may be added only on a contract anniversary, as long as the Guaranteed Minimum Income Benefit Rider (Annual Reset Option) is also attached to, and made part of, the contract prior to, or on, the Annual Reset Death Benefit Rider Date (a subsequent anniversary of the Contract Date on which this rider is added as shown in a corresponding Amendment to the contract).

If this rider is added to your contract after the Contract Date, the initial Guaranteed Earnings Death Benefit Amount and Annual Step-up Death Benefit Amount will be calculated as if a Net Purchase Payment had been made on the Effective Date equal to the Contract Value (after all contract charges and any other rider charges due have been deducted therefrom) at that time.

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Reset Feature

While this rider is in force, it will automatically reset on any anniversary of the Contract Date that the Guaranteed Minimum Income Benefit Rider (Annual Reset Option) is reset. When such reset occurs, the Guaranteed Earnings Death Benefit Amount will equal the reset Guaranteed Earnings Income Base on the Reset Date, as defined in the accompanying Guaranteed Minimum Income Benefit Rider (Annual Reset Option).

Charge for Rider

On each anniversary of the Contract Date that this rider is in force, we will deduct from your Contract Value an Annual Reset Death Benefit Rider Charge equal to the product of the Annual Reset Death Benefit Rider Charge Rate and the Annual Reset Death Benefit Amount.

During the Charge Freeze Period, as defined in the accompanying Guaranteed Minimum Income Benefit (Annual Reset Option) Rider, the Rider Charge Rate is the applicable rate shown in the Contract Specifications on Page 4 of your contract. After the Charge Freeze Period expires, a Rider Charge Rate will be declared by us at each reset, which may be greater than the existing Rider Charge Rate, but no greater than the Rider Charge Rate for new issues of this rider form on that date, and no greater than the applicable Maximum ARDBR Rider Charge Rate shown in the Contract Specifications on Page 4 of your contract.

The Rider Charge will be deducted from all investment portfolios on a pro rata basis in proportion to their percentage of the total Contract Value.

In the event that the Annuitant dies, you surrender your contract, the Guaranteed Minimum Income Benefit (Annual Reset Option) Rider terminates or you elect to annuitize during any Contract Year, we reserve the right to prorate the annual charge for this rider that had not yet been assessed prior to the Annuitant’s death, your surrender, or your annuitization.

Termination of Rider

You may terminate this rider by Notice to us at our Home Office at any time. Any termination will become effective on the first anniversary of the Contract Date following your Notice. If this rider is so terminated, a full annual rider charge will be assessed, unless Notice is received at our Home Office within the first 15 days after anniversary of the Contract Date, in which case the termination of the rider is effective on the previous anniversary of the Contract Date. This rider will automatically terminate upon the termination of the Guaranteed Minimum Income Benefit Annual Reset Rider. If this rider is terminated, it cannot be reinstated.

THE OHIO NATIONAL LIFE INSURANCE COMPANY

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