N-6

0000836249

Dec. 31, 2022


	FEES AND EXPENSES			LOCATION IN PROSPECTUS
Charges for Early Withdrawals	When you withdraw a portion of your Account Value from the certificate, we deduct a withdrawal charge of up to 2% of the amount you withdraw, but not more than $25. Please note that this charge applies to any withdrawal – whether it is taken early in your holding of the certificate or later. The maximum withdrawal amount is equal to the Account Value less (a) any Certificate Debt less (b) an amount equal to (i) the most recent monthly charge multiplied by (ii) one plus the number of Monthly Calculation Dates remaining until the next Planned Premium due date. For example, if you withdraw $10,000 from your certificate, you will incur a withdrawal charge of $25.			Fee Tables – Transaction Fees – Withdrawal Charge Charges and Deductions – Transaction Charges – Withdrawal Charge
Transaction Charges	In addition to withdrawal charges, you also may be charged for other transactions. These charges are as follows: *Premium Load Charge.* Before allocating premiums among the Separate Account Divisions or the GPA, we impose a premium load charge equal to a maximum of 10% of each premium. *Transfer Charge.* There is no transfer charge for the first 12 transfers during a Certificate Year. We may impose a transfer charge of up to $10 for the thirteenth and each subsequent transfer in a Certificate Year.			Fee Tables – Transaction Fees – Premium Load Charge Fee Tables – Transaction Fees – Transfer Charge Charges and Deductions – Transaction Charges – Premium Load Charge Charges and Deductions – Transaction Charges – Transfer Charge
Ongoing Fees and Expenses (annual charges)	In addition to withdrawal charges and transaction charges, an investment in the certificate is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the certificate and the cost of optional benefits available under the certificate. These fees and expenses are set based on characteristics of the Insured under the certificate (e.g., age, sex, and underwriting class). You should view the certificate specifications pages for rates applicable to your certificate. Certificate Owners will also bear expenses associated with the Funds available under the certificate, as shown in the following table:			Fee Tables – Periodic Charges Other than Annual Fund Operating Expenses Charges and Deductions – Monthly Charges Against the Account Value Appendix A
	Annual Fee	Minimum	Maximum
	Fund options (Fund fees and expenses)	0.44%⁽¹⁾	1.68%⁽¹⁾

Surrender Charge (of Purchase Payments) Maximum [Percent]

2.00%

Transaction Charges [Text Block]

Transaction Charges

In addition to withdrawal charges, you also may be charged for other transactions. These charges are as follows:
Premium Load Charge. Before allocating premiums among the Separate Account Divisions or the GPA, we impose a premium load charge equal to a maximum of 10% of each premium.
Transfer Charge. There is no transfer charge for the first 12 transfers during a Certificate Year. We may impose a transfer charge of up to $10 for the thirteenth and each subsequent transfer in a Certificate Year.

Fee Tables – Transaction Fees – Premium Load Charge
Fee Tables – Transaction Fees – Transfer Charge
Charges and Deductions – Transaction Charges – Premium Load Charge
Charges and Deductions – Transaction Charges – Transfer Charge

Investment Options (of Other Amount) Minimum [Percent]

0.44%

Investment Options Footnotes [Text Block]

As a percentage of Fund assets.

Investment Restrictions [Text Block]

Generally, you may transfer Account Value among the Separate Account Divisions and the Guaranteed Principal Account (GPA), subject to certain limitations.

Transfers from the GPA to the Separate Account are limited to one per Certificate Year, and generally may not exceed 25% of your Account Value in the GPA (less any Certificate Debt).

There is one exception to this rule. If you have transferred 25% of the GPA Value (less any Certificate Debt) for three consecutive years and you have not added any Net Premium or transferred amounts to the GPA during these three consecutive years, you may transfer the remainder of the GPA Value (less any Certificate Debt) out of the GPA in the succeeding Certificate Year.

Transfers (including transfers through automated programs) cannot be processed during a Grace Period.

In addition, we reserve the right to reject or restrict transfers if we determine the transfers reflect frequent trading or a market timing strategy, or we are required to reject or restrict the transfer by the applicable Fund.
MassMutual also reserves the right to remove or substitute Funds as investment options that are available under the certificate.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the certificate.

If you purchase the certificate through a qualified retirement plan, you do not receive any additional tax deferral.

Withdrawals and partial surrenders are taxed as recovery of cost basis first and income second. Loans and collateral assignments are not taxable when taken. Any gain on your certificate is taxed as ordinary income. If your certificate becomes a Modified Endowment Contract (MEC), loans, collateral assignments, withdrawals, and other pre-death distributions will be taxed as income first and recovery of cost basis second. You may have to pay a penalty tax if you take a distribution before you attain age 59½.

Exchanges [Text Block]

Some investment professionals may have a financial incentive to offer you the certificate in place of the one you own. You should only exchange your current life insurance policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the certificate rather than continue to own your existing life insurance policy.

Transaction Expenses [Table Text Block]

Transaction Fees

Charge

When Charge is Deducted

Amount Deducted

Premium Load Charge⁽¹⁾

When you pay premium

Maximum:

10% of each premium payment

Current:

3% of each premium payment

Withdrawal Charge

When you withdraw a portion of your Account Value from the certificate

Maximum:

2% of the amount withdrawn, not to exceed $25 per withdrawal

Current:

2% of the amount withdrawn, not to exceed $25 per withdrawal

Transfer Charge

Upon each transfer after the first twelve transfers in a Certificate Year

Maximum:

$10 per transfer

Current:

$0 per transfer

Accelerated Benefits for Terminal Illness Rider

Upon request for the Accelerated Benefits

Maximum:

$250

Current:

$0

Overloan Protection Rider

Once, upon activation of rider

Maximum:

3.71% of Account Value⁽²⁾

Minimum:

0.33% of Account Value⁽²⁾

Representative Insured: Age 80

3.19% of Account Value⁽²⁾

^[2],[3]

Premium Taxes, When Deducted [Text Block]

When you pay premium

Premium Taxes (of Premium Payments), Current [Percent]

3.00%

Other Surrender Fees, Description [Text Block]

Withdrawal Charge

Other Surrender Fees (of Other Amount), Maximum [Percent]

2.00%

Transfer Fees, Description [Text Block]

Transfer Charge

Transfer Fee, Maximum [Dollars]

$ 10

Periodic Charges [Table Text Block]

Periodic Charges Other than Annual Fund Operating Expenses

Charge

When Charge is Deducted

Amount Deducted

Base Certificate Charge:

Cost of Insurance Charge⁽¹⁾⁽²⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$59.52 per $1,000 of Insurance Risk

Minimum:

$0.05 per $1,000 of Insurance Risk

Current:

$0.05–$29.00 per $1,000 of Insurance Risk

Representative
Insured: Age 45,
Death Benefit
Option A⁽³⁾

$0.08 per $1,000 of Insurance Risk

Mortality & Expense Risk Charge⁽⁴⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

1.00% of the certificate’s Variable Account Value on an annual basis

Current:

0.75% of the certificate’s Variable Account Value on an annual basis

Loan Interest Rate Expense Charge⁽⁵⁾

Reduces the interest we credit on the loaned value. We credit the loan interest daily

Maximum:

Certificate Year 1–20:

3.00% as a percentage of loaned amount on an annual basis

Certificate Year 21+:

2.50% as a percentage of loaned amount on an annual basis

Current:

Certificate Year 1–20:

1.00% as a percentage of loaned amount on an annual basis

Certificate Year 21+:

0.50% as a percentage of loaned amount on an annual basis

Optional Benefit Charges:

Accelerated Death Benefit for Chronic Illness Rider

Upon request for the Chronic
Care Benefit payment

Maximum:

36%⁽⁶⁾

Maximum:

18-36%⁽⁶⁾

Accidental Death Benefit Rider

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$0.025 per $1,000 of rider coverage

Minimum:

$0.025 per $1,000 of rider coverage

Children’s Level Term Insurance Rider

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$4.50

Current:

$4.50

Spouse Level Term Insurance Rider⁽⁷⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$0.78 per $1,000 of rider coverage

Minimum:

$0.06 per $1,000 of rider coverage

Representative
Insured: Age 45⁽⁸⁾

$0.12 per $1,000 of rider coverage

Waiver of Monthly Charges Rider⁽⁹⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$11.98 per $100 of Monthly Deduction⁽¹⁰⁾

Minimum:

$4.55 per $100 of Monthly Deduction⁽¹⁰⁾

Representative
Insured: Age 45

$10.29 per $100 of Monthly Deduction⁽¹⁰⁾

Periodic Charges Other than Annual Fund Operating Expenses

Charge

When Charge is Deducted

Amount Deducted

Base Certificate Charge:

Cost of Insurance Charge⁽¹⁾⁽²⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$51.77 per $1,000 of Insurance Risk

Minimum:

$0.05 per $1,000 of Insurance Risk

Current:

$0.05–$51.77 per $1,000 of Insurance Risk

Representative
Insured: Age 45,
Death Benefit
Option A⁽³⁾

$0.08 per $1,000 of Insurance Risk

Mortality & Expense Risk Charge⁽⁴⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

1.00% of the certificate’s Variable Account Value on an annual basis

Current:

0.75% of the certificate’s Variable Account Value on an annual basis

Loan Interest Rate Expense Charge⁽⁵⁾

Reduces the interest we credit on the loaned value. We credit the loan interest daily

Maximum:

Certificate Year 1–20:

3.00% as a percentage of loaned amount on an annual basis

Certificate Year 21+:

2.50% as a percentage of loaned amount on an annual basis

Current:

Certificate Year 1–20:

1.00% as a percentage of loaned amount on an annual basis

Certificate Year 21+:

0.50% as a percentage of loaned amount on an annual basis

Optional Benefit Charges:

Accidental Death Benefit Rider

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$0.025 per $1,000 of rider coverage

Minimum:

$0.025 per $1,000 of rider coverage

Children’s Level Term Insurance Rider

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$4.50

Current:

$4.50

Spouse Level Term Insurance Rider⁽⁶⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$0.78 per $1,000 of rider coverage

Minimum:

$0.06 per $1,000 of rider coverage

Representative
Insured: Age 45⁽⁷⁾

$0.12 per $1,000 of rider coverage

Waiver of Monthly Charges Rider⁽⁸⁾

Monthly, on the certificate’s
Monthly Calculation Date

Maximum:

$11.98 per $100 of Monthly Deduction⁽⁹⁾

Minimum:

$4.55 per $100 of Monthly Deduction⁽⁹⁾

Representative
Insured: Age 45

$10.29 per $100 of Monthly Deduction⁽⁹⁾

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Insurance Cost, When Deducted [Text Block]

Monthly, on the certificate’sMonthly Calculation Date

Insurance Cost, Maximum [Dollars]

$ 59.52

Insurance Cost, Minimum [Dollars]

$ 0.05

Mortality and Expense Risk Fees, Description [Text Block]

Mortality & Expense Risk Charge⁽⁴⁾

Mortality And Expense Risk Fees (of Face Amount), Maximum [Percent]

1.00%

Mortality And Expense Risk Fees, Footnotes [Text Block]

The mortality & expense risk charge is deducted proportionately from the then current Account Values in the Separate Account Divisions.

Portfolio Company Expenses [Text Block]

Range of total annual fund operating expenses including management fees, distribution and/or service (12b-1) fees and other expenses.

Portfolio Company Expenses Maximum [Percent]

1.68%

Item 5. Principal Risks [Table Text Block]

Principal Risks

Investment Risks

The value of your certificate will fluctuate with the performance of the Separate Account Divisions you select. Your Separate Account Divisions may decline in value or they may not perform to your expectations. You bear the investment risk of any Account Value invested in the Separate Account Divisions. It is possible you could lose your entire investment.

The type of investments that a fund company makes will also create risk. A comprehensive discussion of the risks of each of the Funds underlying the Separate Account Divisions may be found in that Fund’s prospectus. You should read the Fund’s prospectus carefully before investing.

Suitability

Variable life insurance is designed to help meet long-term financial goals. It is not suitable as a vehicle for short-term savings. You should not purchase the certificate if you will need the premium payment in a short period of time. We may restrict short-term investment strategies.

Withdrawals

A withdrawal will reduce your certificate’s Account Value by the amount withdrawn. In addition, we impose a withdrawal charge whenever you withdraw a portion of your Account Value. If the certificate’s Surrender Value is reduced to a point where it cannot meet a monthly deduction, your certificate may terminate. A withdrawal may also reduce your certificate’s Total Selected Face Amount and may have adverse tax consequences.

Loans

Taking a loan from your certificate has several risks: (1) it may increase the risk that your certificate will terminate; (2) it will have a permanent effect on your certificate’s Surrender Value; (3) it may increase the amount of premium needed to keep the certificate In Force; (4) it will reduce the death benefit proceeds; and (5) it has potential adverse tax consequences.

Certificate Termination

Your certificate could terminate if the Surrender Value becomes too low to support the certificate’s monthly charges. Factors that may cause your certificate to terminate include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans or loan interest. Poor investment performance of the Funds selected by the Certificate Owner and the deduction of certificate fees and monthly charges may result in termination of the certificate, even if all Planned Premiums are timely paid. No death benefit or other benefits under the certificate will be paid once the certificate terminates.

Limitations on Access to Account Value

•	Withdrawals are not available in the first Certificate Year.

•	If necessary, we will reduce your certificate’s Supplemental Selected Face Amount and the Base Selected Face Amount upon withdrawal to prevent an increase in the net amount at risk, unless you provide us with satisfactory evidence of insurability.

•	There may be little to no cash value available for loans and withdrawals in the certificate’s early years.

•	The minimum withdrawal amount is $500. A withdrawal charge equal to the lesser of 2% of the amount of the withdrawal or $25 will be deducted from the amount of the withdrawal.

Insurance Company Insolvency

It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all of the guarantees and benefits that we promise that exceed the value of the assets in the Separate Account.

Adverse Tax Consequences

Certain transactions (including, but not limited to, withdrawals, surrenders and loans) may lead to a taxable event. Under certain circumstances (usually if your premium payments in the first seven years or less exceed specified limits), your certificate may become a “Modified Endowment Contract“ (MEC). Under federal tax law, loans, collateral assignments, withdrawals, and other pre-death distributions received from a MEC certificate are taxed as income first and recovery of cost basis second. Also, distributions includible in income received before you attain age 59½ may be subject to a 10% penalty tax. Existing tax laws that benefit this certificate may change at any time.

Certificate Charge Increase

We have the right to increase certain certificate and rider charges; however, the charges will not exceed the maximum charges identified in the fee tables. If we increase a certificate or rider charge, you may need to increase the amount and/or frequency of your premiums to keep your certificate In Force. We will notify the Certificate Owner of any such changes through a prospectus supplement.

Cybersecurity and Certain Business Continuity Risks

Our operations support complex transactions and are highly dependent on the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant resources to maintain and enhance our existing systems in order to keep pace with applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse effect on our businesses, results of operations and financial condition. For additional detail regarding cybersecurity and related risks, please see “Other Information – Computer System, Cybersecurity, and Service Disruption Risks” in this prospectus.

Additional Information about Standard Death Benefits, Note (N-6) [Text Block]

Right to Change the Death Benefit Optionou may change your Death Benefit Option at any time while the Insured is living by Written Request and subject to our requirement that evidence of insurability must be provided for a change from Death Benefit Option A to Death Benefit Option B. However, no change will be permitted after the Certificate Anniversary nearest the Insured’s 100^th birthday. There is no charge for a change in the Death Benefit Option; however the monthly deduction amount will change.The effective date of any change in the Death Benefit Option will be your first Certificate Anniversary on, or next following, the later of:the date we approve your Written Request for such change; orthe requested effective date of the change.If you change your death benefit option, we will adjust your certificate’s Total Selected Face Amount. The Total Selected Face Amount adjustment (up or down) will be in the amount needed so that the death benefit immediately before the change will be the same as the death benefit after the change.Please see Appendix B for examples of how a change in death benefit option may impact the certificate’s Total Selected Face Amount.The death benefit following a death benefit option change, however, will behave differently based on the new death benefit option in effect. For example, if a Certificate Owner changes the death benefit option from option 1 (death benefit = Total Selected Face Amount) to option 2 (death benefit = Total Selected Face Amount + Account Value), the death benefit after the change will be based on the Account Value rather than remaining level. The Certificate Owner may decide to make this change if the desire is to have a death benefit that will increase if the Account Value grows.Alternatively, a Certificate Owner may change from death benefit option 2 to option 1 if they would like to have a level death benefit following the change. Having a level death benefit (rather than increasing as the Account Value grows) would reduce the certificate’s Insurance Risk as the certificate’s Account Value increases and, as a result, would reduce the monthly insurance charges.When the Total Selected Face Amount changes as a result of a change in the death benefit option:the monthly charges will also change; andthe charge for certain additional benefits may change.You cannot change the death benefit option if, as a result, the Total Selected Face Amount would be reduced to an amount that is less than the minimum Total Selected Face Amount.When We Pay Death Benefit ProceedsIf the certificate is In Force and it is determined that the claim is valid, we will normally pay the death benefit within seven calendar days after the date we receive due proof of the Insured’s death and all required documents, in Good Order, at our Administrative Office.Certain situations may delay payment of a death claim. These situations include, but are not limited to, our right to contest the validity of a death claim. We investigate all death claims that occur within the certificate’s two-year contestable periods as described below.We have the right to contest the validity of the certificate for any material misrepresentation of a fact within two years:after the certificate is issued;after any increase in either the Base Selected Face Amount or the Supplemental Selected Face Amount; orafter reinstatement.These two-year periods are called the certificate’s ‘‘contestable periods.’’ We may also investigate death claims beyond the contestable periods. After any two-year contestable period, in the absence of fraud, we cannot contest the validity of a certificate or a Base or Supplemental Selected Face Amount increase, except for failure to pay premiums. In the event a misstatement of age is discovered at the time of claim, we will not contest the entire claim, but rather an adjustment will be made to the death benefit amount. Please see ‘‘Misstatement of Age’’ below for more information.We generally determine whether the contested claim is valid within five days after we receive the information from a completed investigation. Since it may take some time to receive the information, payment could be delayed during this period.We can also delay payment of the death benefit if a portion is based on the Variable Account Value of the certificate and the Insured’s date of death is before or during any period when:it is not reasonably practicable to determine the amount because the NYSE is closed (other than customary weekend and holiday closings);trading is restricted by the SEC;an emergency exists as a result of which disposal of shares of the Funds is not reasonably practicable or we cannot reasonably value the shares of the Funds; orthe SEC, by order, permits us to delay payment for the protection of our Certificate Owners.If pursuant to SEC rules, the MML U.S. Government Money Market Fund suspends payment of redemption proceeds in connection with the liquidation of the Fund, we will delay payment of the death benefit from the MML U.S. Government Money Market division until the Fund is liquidated.Interest on Death BenefitWe will add interest to the death benefit from the date of the Insured’s death to the date of a lump sum payment. Interest will be computed at an effective annual rate not less than 3%, or, if greater, the annual rate required by applicable state law.Although the death benefit is generally excludible from the income of the Beneficiary who receives it, interest on the death benefit is includible in the Beneficiary’s income.Right to Change the Selected Face AmountsYou may request an increase or decrease in the Base and Supplemental Selected Face Amounts. Increases are subject to our underwriting review. If you increase your Base or Supplemental Selected Face Amount, the cost of insurance charge for your certificate will increase because of the increase in the Insurance Risk, subject to the maximum cost of insurance rates set forth in the ‘‘Periodic Charges Other than Fund Operating Expenses’’ table in the ‘‘Fee Tables’’ section. If you decrease your Base or Supplemental Selected Face Amount, the cost of insurance charge for your certificate will decrease because of the decrease in the Insurance Risk.If you increase or decrease the Base or Supplemental Selected Face Amount, your certificate may become a MEC under federal tax law. MECs are discussed in the ‘‘Federal Income Tax Considerations’’ section; however, you should consult your tax adviser for information on how a MEC may affect your tax situation.Increases in Selected Face AmountsYou may increase the Base or Supplemental Selected Face Amount by sending us a Written Request, or by sending us an application if you are no longer associated with your employer. We may request evidence of insurability for an increase.We will not allow an increase in the Base or Supplemental Selected Face Amount on or after the Certificate Anniversary following the Insured’s 80^th birthday. Any increase in the Base or Supplemental Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows, the later of:the date we approve your Written Request for such change; orthe requested effective date of the change.Any increase must be in an amount of at least $5,000, unless we establish a lower minimum.Decreases in Selected Face AmountsYou may also decrease your certificate’s Base or Supplemental Selected Face Amount. The Base Selected Face Amount after a decrease must be at least $50,000.We will not allow a decrease in the Base or Supplemental Selected Face Amount after the Certificate Anniversary following the Insured’s 100^th birthday. Any requested decrease in the Base or Supplemental Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows the latest of:the date we approve your Written Request for such change; orthe requested effective date of the change.A decrease in the certificate’s Base or Supplemental Selected Face Amount may have adverse tax consequences. Please see the ‘‘Federal Income Tax Considerations’’ section.

Item 11. Other Benefits Available (N-6) [Text Block]

Other Benefits Available Under the Certificate

Additional Benefits

In addition to the standard death benefit(s) associated with your certificate, other standard and/or optional benefits may be available to you.

You can obtain additional benefits if you request them and/or qualify for them. We provide certain additional benefits by rider or endorsement. The cost of each rider is generally deducted as part of the monthly charges. Some riders do not result in monthly charges, but do require a fee to exercise the riders.

We also offer two automated transfer programs as additional benefits – Automated Account Value Transfer and Automated Account Re-balancing. Please note that you cannot select both the Automated Account Value Transfer and Automated Account Re-balancing at the same time.

The following table summarizes the information about the additional benefits available under the certificate. Information about the fees associated with each benefit included in the table may be found in the Fee Table.

There may be state variations associated with these benefits. Please see “Appendix D – State Variations of Certain Policy Features.”


Name of Benefit	Purpose	Is this Benefit Standard or Optional?	Brief Description of Restrictions/Limitations
Accelerated Benefits for Terminal Illness Rider	Advances portion of death benefit if Insured is terminally ill and not expected to live more than 12 months.	Standard	Eligible payment amount (Eligible Amount) does not include: amount of any insurance provided under the certificates or riders on the life on someone other than Insured; and amount payable under accidental death benefit rider. Minimum payment is $25,000. Maximum payment is lesser of 75% of Eligible Amount and $250,000, minus total amount accelerated under all other policies issued by us or any of our affiliates on Insured. A lien equal to the amount paid under the rider will be established against the certificate. The amount of the lien will be deducted from the amount of payment under the certificate upon the death of Insured. Please see ‘‘Appendix F – State Variation of Certain Certificate Features.’’
Accelerated Death Benefit for Chronic Illness Rider	Permits advances of some of the death benefit due to Insured being chronically ill (as defined in the rider).	Standard	Available only for Group Policies issued in Ohio on or after January 1, 2021. Benefit Option 1, the Maximum Acceleration Amount, may only be exercised once. Benefit Option 2, the Annual Eligible Amount may only be exercised up to five times but only once in any 12-month period. After an acceleration the certificate remains In Force with any riders. The Base Selected Face Amount, and Supplemental Selected Face Amount will be reduced by the Applicable Percentage. Monthly charges will then be based on the new Base Selected Face Amount, Supplemental Selected Face Amount, and Account Value. Any Certificate Debt will also be reduced by the Applicable Percentage. If Death Benefit Option A was elected, the Surrender Value will be reduced by the Applicable Percentage. Does not provide for long-term care insurance or for nursing-home insurance and is not conditioned on the receipt of long-term care or medical services.
Accidental Death Benefit Rider	Provides additional death benefit if Insured’s death is caused by accidental bodily injury.	Optional	In event of accidental death of Insured, benefit equals lesser of (1) Base Selected Face Amount on date of Insured’s death and (2) $5,000,000. Must provide proof that Insured’s death occurred 1) as direct result of bodily injury; 2) within 180 days after injury; and 3) while certificate and rider were in effect. No benefit paid if death results directly or indirectly from 1) suicide; 2) war; 3) military service; 4) aviation travel as pilot, crew member, or giving or receiving training; 5) natural causes; 6) drugs; or 7) injury received in commission of felony. Please see ‘‘Appendix F – State Variations of Certain Certificate Features.’’


Name of Benefit	Purpose	Is this Benefit Standard or Optional?	Brief Description of Restrictions/Limitations
Children’s Level Term Insurance Rider	Provides level term insurance on life of each of Insured’s children between ages of 15 days and 26 years.	Optional	Provides $25,000 of level term insurance on life of each of Insured’s children between ages of 15 days and 26 years If an insured child dies by suicide, while sane or insane, within two years after the rider issue date, the amount we will pay will be limited to the cost for this rider. If an insured child dies by suicide, while sane or insane, within two years after the effective date of reinstatement of this rider, the amount we pay will be limited to the cost for this rider subsequent to the date of reinstatement. Please see ‘‘Appendix F – State Variations of Certain Certificate Features.’’
Overloan Protection Rider	Prevents certificate lapse due to Certificate Debt by providing guaranteed paid-up insurance benefit.	Optional (This rider is included automatically with the certificate if the certificate was issued using the Guideline Premium Test.)	Requirements: Certificate In Force and at or past 15^th Certificate Anniversary. Insured at least Attained Age 75. Account Value at least $100,000. Non-loaned Account Value must be sufficient to pay rider charge (if not, Certificate Owner required to repay Certificate Debt to exercise rider). Certificate issued under Guideline Premium Test. Certificate is not and upon exercise of rider will not become a MEC. Certificate Debt exceeds specified percentage of Account Value. Amounts that can be withdrawn without federal tax penalty have been withdrawn. Exercising rider results in: Change to Option A death benefit if not already selected. Total Selected Face Amount equals Minimum Death Benefit. Loaned Account Value earns interest at loan interest rate. Non-loaned Account Value held in GPA and accrues interest at not less than minimum GPA rate. All other riders terminate. No additional premiums allowed. No further certificate loans or repayments. No further certificate changes, transfers, and withdrawals allowed. Death benefit adjusted and may be reduced to Minimum Death Benefit. This rider is not available in all states. Please see ‘‘Appendix F – State Variations of Certain Certificate Features.’’


Name of Benefit	Purpose	Is this Benefit Standard or Optional?	Brief Description of Restrictions/Limitations
Spouse Level Term Insurance Rider	Provides level term insurance on life of Insured’s spouse.	Optional	Minimum amount of term insurance under rider is $50,000. Minimum increase of term insurance under rider is $25,000. Minimum decrease of term insurance under rider is $50,000. No decrease in the amount of term insurance is permitted before the first Certificate Anniversary following the rider issue date. The amount of term insurance may automatically be decreased if the amount of term insurance on Insured’s spouse is greater than Insured’s coverage under the certificate. If Insured’s spouse dies by suicide, while sane or insane, within two years after this rider’s issue date, the amount we will pay will be limited to the cost for this rider (or, if within two years after the effective date of any increase in the amount of term insurance, the cost of such increase). Please see ‘‘Appendix F – State Variations of Certain Certificate Features.’’
Waiver of Monthly Charges Rider	Waives monthly charges (other than mortality and expense risk charge) while Insured becomes totally disabled (as defined in the rider).	Optional	Evidence of insurability required to add rider. Rider benefit ends day before Insured’s Attained Age 65. No benefit paid if death results directly or indirectly from 1) suicide attempt; 2) war; 3) military service; 4) drugs; or 5) injury received in commission of felony. Please see ‘‘Appendix F – State Variation of Certain Certificate Features.’’
Automated Account Value Transfer	Automatically transfers of Account Value in a Separate Account Division to any combination of Separate Account Divisions and GPA monthly.	Optional	Limits allocation of Account Value to up to 25 Separate Account Divisions and GPA at any one time. Automated Account Value Transfers are not available from more than one Separate Account Division or from GPA at any time. We may at any time modify, suspend or terminate Automated Account Value Transfer Program without prior notification. You may not participate in the Automated Account Re-balancing program at same time.
Automated Account Re-balancing	Automatically re-balances Account Value to maintain original percent allocation of any combination of Separate Account Divisions and GPA.	Optional	Limits allocation of Account Value to up to 25 Separate Account Divisions and GPA at any one time. Minimum amount for transfer is $5.00. We may at any time modify, suspend or terminate automated account re-balancing program without prior notification. You may not participate in Account Value Transfer program at same time.

Accelerated Benefits for Terminal Illness Rider

This rider advances a portion of the certificate’s death benefit to the Certificate Owner when we receive proof, satisfactory to us, that the Insured is terminally ill and is not expected to live more than 12 months prior to activation of the rider. In return for the advanced payment, we establish a lien against the certificate, equal to the amount of the accelerated benefit. We do not charge interest against the lien.

Benefits under the rider may be taxable. The Certificate Owner should seek tax advice prior to requesting an accelerated death benefit payment.

For the purposes of this rider, terminal illness is a medical condition that:

•	is first diagnosed by a Legally Qualified Physician; and

•	with reasonable medical certainty, will result in the death of the Insured within 12 months from the date the Legally Qualified Physician certifies the diagnosis; and

•	is not curable by any means available to the medical profession.

We must receive the following items before an accelerated benefit can be paid:

•	Certificate Owner’s Written Request for payment of an accelerated death benefit under the certificate;

•	Insured’s written authorization to release medical records to us;

•	written consent to this request of any assignee and any irrevocable Beneficiary under the certificate; and

•	written certification from a Legally Qualified Physician that the Insured has a terminal illness, as defined above.

The amount of the death benefit under the certificate that can be considered for acceleration is determined as of the acceleration date. The acceleration date is the first date on which all the requirements for acceleration, except any confirming examination that we may require, have been met.

The amount eligible for acceleration under the rider (Eligible Amount) is equal to the death benefit payable upon the death of the Insured under the certificate.

The Eligible Amount does not include:

•	The amount of any insurance provided under the certificate, or any rider attached thereto, on the life of someone other than the Insured; and

•	The amount of benefit under any accidental death benefit rider.

The Certificate Owner may accelerate any portion of the Eligible Amount subject to the following limitations:

•	the minimum amount that may be accelerated is $25,000; and

•	the maximum amount that may be accelerated is equal to the lesser of 75% of the Eligible Amount or $250,000 minus the total amount accelerated under all other policies issued by us or any of our affiliates on the life of the Insured.

After the accelerated benefit payment is made, this certificate will remain In Force and premiums and charges will continue in accordance with the certificate provisions.

Payment of the terminal illness benefit will be made to the Certificate Owner in a single sum, unless the payment has been assigned or designated by the Certificate Owner. However, we will not make the payment if we first receive due proof of the Insured’s death; in this case, we will instead pay the death benefit as if no request has been received under the rider.

The rider terminates upon any of the following events:

•	on the date the accelerated benefit payment is made;

•	on the date the certificate terminates;

•	if applicable, any Overloan Protection Rider to the certificate is exercised; or

•	two years before the Paid-up Certificate Date.

The rider is included automatically with the certificate. There is no charge for this rider. If a claim is made under this rider, then we will assess a charge of no more than $250.

An example of the Accelerated Benefits for Terminal Illness Rider is set forth in Appendix C.

Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Accelerated Death Benefit for Chronic Illness Rider

This rider advances to the Certificate Owner a portion of the certificate’s death benefit when we receive satisfactory proof at our Administrative Office that the Insured is chronically ill. If the death benefit is accelerated under this rider, the certificate values, including the death benefit, Certificate Debt and, for Death Benefit Option A, the cash value will be reduced.

Benefits under the rider may be taxable and there may be tax consequences of accepting an amount above the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4). The Certificate Owner should seek additional information about the tax status of the payment from a personal tax advisor prior to requesting a Chronic Illness Benefit Payment.

Capitalized terms used but not defined herein shall have the meanings ascribed to them in the rider.

For the purposes of this rider, “chronically ill” means that a Licensed Health Care Practitioner has certified, within the previous twelve (12) months, that the Insured:

•	is permanently unable to perform, without Substantial Assistance, at least two (2) Activities of Daily Living due to loss of functional capacity; or

•	requires Substantial Supervision to protect the Insured from threats to health or safety due to permanent Severe Cognitive Impairment.

Subject to the provisions of the rider, upon Written Request of the Certificate Owner, a Chronic Care Benefit payment will be paid if:

•	A payment under the Accelerated Benefits for Terminal Illness Rider has not been previously paid; and

•	A Chronic Care Benefit using Benefit Option 1, a single lump sum payment using the Maximum Acceleration Amount, has not previously been paid; and

•	There is an Annual Eligible Amount available for acceleration as described below; and

•	No more than four Chronic Care Benefit payments using Benefit Option 2 have been previously paid; and

•	Due proof is received by the insurer in writing that the Insured is chronically ill, as defined above.

The amount of the Chronic Care Benefit payment depends on whether the Certificate Owner elects either Benefit Option 1 or Benefit Option 2, as described below. After a Chronic Care Benefit payment is made, the elected option may not be changed. Under either Benefit Option 1 or Benefit Option 2, the amount of the payment is determined on the date the Company approves the Chronic Care Benefit payment.

As described below, the amount of the Chronic Care Benefit payment is either (i) the Maximum Acceleration Amount paid under Benefit Option 1, or (ii) the Annual Eligible Amount paid under Benefit Option 2, with the amount either (i) or (ii) reduced by the sum of:

•	The cost of exercising the Chronic Care Benefit based on the Insured’s age; plus

•	Any unpaid premium amount needed to avoid Certificate termination under the Grace Period And Termination section of the Certificate; plus

•	The Applicable Percentage of any Certificate Debt.

If the Annual Eligible Amount or the Maximum Acceleration Amount is reduced by the Applicable Percentage of Certificate Debt, then the amount equal to the reduction will be applied to repay the Certificate Debt.

Benefit Option 1:

If the Certificate Owner elects Benefit Option 1, only one Chronic Care Benefit will be paid, and it will be based on the Maximum Acceleration Amount.

The Maximum Acceleration Amount is the portion of the death benefit that is used to determine the amount to be accelerated under Benefit Option 1, and is the lesser of:

•	75% of the Original Total Selected Face Amount; or

•	Five times the product of the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4), on the date the claim is approved, multiplied by 365.

Benefit Option 2:

If the Certificate Owner elects Benefit Option 2, up to five Chronic Care Benefits may be paid based on the Annual Eligible Amount. Benefit Option 2 may not be exercised more than once in any 12-month period. The Annual Eligible Amount is the portion of the death benefit that is used to determine the maximum amount to be accelerated in any 12-month period. The Annual Eligible Amount is equal to the lesser of:

•	50% of the Current Selected Face Amount for the Chronic Care Benefit;

•	75% of the Original Total Selected Face Amount net of any face amount previously accelerated; or

•	The product of the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4), on the date the claim is approved, multiplied by 365.

Accelerating the death benefit for chronic illness will have the following effects on the certificate:

•	The Base Selected Face Amount, Supplemental Selected Face Amount, and Account Value will be reduced by Applicable Percentage after each Chronic Care Benefit payment. Monthly charges will then be based on the new Base Selected Face Amount, Supplemental Selected Face Amount, and Account Value.

•	Any Certificate Debt will also be reduced by the Applicable Percentage.

•	The cost of the Waiver of Monthly Charges Rider, if elected, will be adjusted to reflect the Current Selected Face Amount.

•	For Certificate Owners who have elected Death Benefit Option A, the Surrender Value will be reduced by the Applicable Percentage.

There is no premium or cost of insurance charge for this rider. The cost for exercising the Chronic Care Benefit is a percentage of either the Maximum Acceleration Amount if Benefit Option 1 is elected or the Annual Eligible Amount if Benefit Option 2 is elected and is based on the age of the Insured on the date we approve the Chronic Care Benefit payment.

Insured’s Age

Cost of Exercising the Chronic Care Benefit as a Percentage
of the Maximum Acceleration Amount for Benefit Option 1 or
the Annual Eligible Amount for Benefit Option 2

Under age 35

36%

Ages 35–44

27%

Ages 45 and above

18%

This rider is included automatically with Certificates issued under Group Policies issued in Ohio on or after January 1, 2021.

This rider will terminate on the earliest of:

•	A Chronic Care Benefit is paid under Benefit Option 1;

•	A fifth Chronic Care Benefit payment is made under Benefit Option 2;

•	75% of the Original Total Selected Face Amount is accelerated;

•	A benefit is paid under the Accelerated Benefits For Terminal Illness Rider;

•	The Overloan Protection Rider is exercised;

•	The certificate is no longer In Force; or

•	The certificate terminates for any reason.

An example of the operation of the Accelerated Death Benefit for Chronic Illness Rider is set forth in Appendix E.

Accidental Death Benefit Rider

In the event of accidental death of the Insured, we will pay a benefit equal to the lesser of:

•	the Base Selected Face Amount on the date of the Insured’s death; or

•	$5,000,000.

To pay any benefit under this rider, we will require proof, satisfactory to us, that the Insured’s death occurred:

•	as a direct result of accidental bodily injury independently of all other causes;

•	within 180 days after the injury occurred; and

•	while the certificate and rider were In Force.

For purposes of this rider, proof satisfactory to us means:

•	death by drowning or internal injuries must be confirmed by autopsy,

•	for all other injuries, the cause of death must be shown by a visible wound on the exterior of the body.

Unless prohibited by law, we have the right to examine a body at any time at our expense.

No accidental death will be payable if the Insured’s death results directly or indirectly from any of these causes.

•	Suicide – Suicide, while the Insured is sane or insane.

•	War – War, declared or undeclared, or any act of war.

•	Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. ‘‘War’’ includes undeclared war and any act of war. ‘‘Country’’ includes any international organization or group of countries.

•	Aviation – Travel in, or descent from or with, any kind of aircraft aboard which the Insured is a pilot or crew member or is giving or receiving any training. ‘‘Crew member’’ includes anyone who has any duty aboard the aircraft.

•	Natural Causes – Bodily or mental illness, disease, or infirmity of any kind, or medical or surgical treatment for any of these.

•	Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.

•	Felony – Death that occurred while committing a felony.

This rider will be contestable on the same basis as the Certificate during the lifetime of the Insured for two years from the rider issue date.

This rider ends automatically:

•	on the Certificate Anniversary date which is on or next follows the Insured’s 65^th birthday; or

•	upon the termination of the certificate for any reason.

The rider may also be cancelled by the Certificate Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our Administrative Office.

There is an additional charge for this rider equal to $0.025 per $1,000 of rider coverage. This rider may only be added at the time of issue of the certificate.

The example below shows the operation of this rider:

•	Assume that the Accidental Death Benefit Rider Face Amount is $500,000 and that the Insured’s Attained Age at death is 60.

•	Upon death due to accidental causes, $500,000 will be paid in addition to the death benefit as determined under the main coverage.

Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Children’s Level Term Insurance Rider

This rider provides $25,000 of level term insurance on the life of each of the Insured’s children between the ages of 15 days and 26 years. To qualify as an insured child, the child’s relationship to the Insured must be either child, stepchild or legally adopted child, either on or after the date of the application. Additionally, the insured child must have been discharged from the hospital after his or her birth.

We will pay to the rider Beneficiary the applicable amount described below upon receipt of proof that the death of an insured child occurred:

(1)	before the end of the term of insurance for the insured child;

(2)	while coverage for the insured child was In Force; and

(3)	while the certificate is In Force.

The amount of benefit under this rider will be:

•	the amount of term insurance if the death occurs 180 days or more after the insured child’s date of birth, but before the Certificate Anniversary that is on or next follows the insured child’s 26^th birthday; or

•	one-half of the amount of term insurance if the death occurs more than 14 days but less than 180 days after the insured child’s date of birth.

If the Insured’s child dies by suicide, while sane or insane, within two years after this rider’s issue date, the amount we will pay will be limited to the cost for this rider (or, if within two years after the effective date of any increase in the amount of term insurance, the cost of such increase).

We will not, in the absence of fraud, contest:

•	the insurance on the insured child after it has been In Force during the lifetime of the insured child for a period of two years from the rider issue date; or

•	the reinstatement of insurance on the insured child after the reinstated coverage has been In Force during the lifetime of the insured child for two years after the effective date of reinstatement.

The rider may be converted into a policy on the life of the insured child without evidence of insurability at the end of an insured child’s term of insurance provided that we must receive an application for the new policy within the period beginning 90 days before and ending 31 days after the end of the insured child’s term of insurance. The face amount of the new policy will be the amount of term insurance under this rider. The first full premium for the new policy must be paid while the insured child is alive and within 31 days after the end of the insured child’s term of insurance.

The term of insurance for a child ends on the earlier of:

•	the date the certificate terminates; or

•	the Monthly Calculation Date on or next following the date we receive a Written Request to terminate the rider; or

•	the Insured’s Attained Age 65; or

•	the Certificate Anniversary date on or next following the insured child’s 26^th birthday.

If the Insured dies while the rider is In Force, coverage on the life of the insured child will continue until the Certificate Anniversary date that is on or next follows the insured child’s 26^th birthday.

This rider may be added at any time. There is an additional charge for this rider.

The example below shows the operation of this rider:

•	Assume that the Insured has three children, ages 10, 16, and 27 and the Insured elected the Children’s Level Term Rider.

•	If the Insured’s 10 or 16 year old child dies, the Children’s Level Term Insurance Rider will pay $25,000 to the Insured.

Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Overloan Protection Rider

A Certificate Owner is able to prevent the certificate from lapsing due to Certificate Debt by invoking the Overloan Protection Rider, which provides a guaranteed paid-up insurance benefit. This rider is designed to enable a Certificate Owner with a substantially depleted Surrender Value, due to Certificate Debt, to potentially avoid the negative tax consequences associated with the lapsing of the certificate.

Note: The IRS has not issued guidance on the tax consequences of exercising the Overloan Protection Rider. It is possible that the IRS could assert that the Certificate Debt should be treated as a distribution, in whole or in part, when the rider is invoked. Consult with a tax adviser regarding the risks associated with invoking this rider.

This rider is automatically attached on the Issue Date of the certificate if the certificate has been issued using the Guideline Premium Test under Section 7702 of the IRC. The rider cannot be elected after the certificate Issue Date or if the certificate was issued using the Cash Value Accumulation Test under Section 7702 of the IRC.

This rider will be exercised when we have received the Certificate Owner’s Written Request and all of the following requirements have been met:

•	The certificate is In Force and has reached the 15th Certificate Anniversary date;

•	The Insured is at least Attained Age 75;

•	The Account Value of the certificate must be at least $100,000;

•	The non-loaned Account Value is sufficient to pay the rider charge (described below);

•	The certificate is issued under the federal Guideline Premium Test under Section 7702 of the Internal Revenue Code, as amended;

•	The certificate is not, and exercise of this rider will not cause the certificate to become, a ‘‘Modified Endowment Contract’’ under the IRC;

•	The Certificate Debt exceeds a specified percentage of the Account Value. This percentage is called the Overloan Trigger Point Percentage and varies by the Attained Age of the Insured. The Overloan Trigger Point Percentages are shown below; and

•	All amounts that may be withdrawn from the certificate without the imposition of federal income tax must be taken as withdrawals.

The first time the requirements to exercise this rider are met, we will notify the Certificate Owner. The notice will be mailed 31 days before the end of the certificate’s Grace Period.

To exercise the rider, Certificate Debt must exceed a specified percentage of the Account Value called the Overloan Trigger Point. There is a one-time charge to exercise this rider. The charge is equal to the Account Value multiplied by a percentage that varies by the Insured’s Attained Age at the time the rider is exercised.

The Overloan Protection Rider Triggers and Rider Charge Percentages vary by the Insured’s Attained Age as shown below.

Attained Age

Rider Charge Percentage

Trigger Point Percentage

18–74

N/A

75

3.71%

96.00%

76

3.57%

96.00%

77

3.45%

96.00%

78

3.31%

96.00%

79

3.33%

96.00%

80

3.19%

96.00%

81

3.13%

96.00%

Attained Age

Rider Charge Percentage

Trigger Point Percentage

82

2.99%

97.00%

83

2.87%

97.00%

84

2.73%

97.00%

85

2.61%

97.00%

86

2.47%

97.00%

87

2.33%

97.00%

88

2.17%

97.00%

89

1.95%

98.00%

90

1.71%

98.00%

91

1.54%

98.00%

92

1.36%

98.00%

93

1.19%

98.00%

94

1.02%

98.00%

95

0.85%

99.00%

96

0.67%

99.00%

97

0.50%

99.00%

98

0.33%

99.00%

99

0.33%

99.00%

100+

N/A

When all of the certificate conditions are met, and after we receive the Certificate Owner’s Written Request to exercise this rider and the Rider Charge has been applied, the certificate’s death benefit will be adjusted in two steps:

•	If the Death Benefit Option is not already Death Benefit Option A, it will be changed to Death Benefit Option A; and

•	The Total Selected Face Amount will equal the Minimum Death Benefit after the Rider Charge is taken. If this Total Selected Face Amount is not compliant with Section 7702 of the IRC, the Certificate Owner will not be allowed to exercise this rider.

Exercising this rider will affect the certificate and any other certificate riders as follows:

•	Interest will continue to accrue on the Certificate Debt at the applicable interest rate under the certificate;

•	The loaned Account Value in the Guaranteed Principal Account will earn interest at the same rate as the loan interest rate;

•	Any remaining non-loaned Account Value will be held in the Guaranteed Principal Account and will accrue interest at not less than the certificate’s minimum annual interest rate for the Guaranteed Principal Account, shown in the certificate’s specifications pages;

•	All other certificate riders will be terminated;

•	No further monthly charges or additional charges will be taken from the Account Value;

•	No further premiums will be allowed;

•	No further certificate loans may be taken and no further loan payments may be made;

•	No further certificate changes, transfers of values or withdrawals will be allowed;

•	The Total Selected Face Amount will equal the Minimum Death Benefit, after deduction of the charge for the rider;

•	The certificate will be placed in paid-up status; and

•	The Certificate Owner will be notified of the changes to the certificate.

Note: The death benefit may be reduced (significantly) to the minimum amount permitted under the tax code to maintain the certificate’s status as a life insurance policy.

This rider will terminate when any of the following occurs:

•	Before this rider is exercised, we receive a satisfactory Written Request from the Certificate Owner to terminate this rider. Such termination will be effective on the Monthly Calculation Date on, or that next follows, the date we receive the Written Request; or

•	The Paid-up Certificate Date; or

•	Termination of the certificate for any reason.

This rider cannot be reinstated if it was terminated at the Certificate Owner’s request.

This rider is not available in New York.

An example of the Overloan Protection Rider is set forth in Appendix D.

Spouse Level Term Insurance Rider

This rider provides level term insurance on the life of an Insured’s spouse. The spouse may not be legally separated from the Insured when coverage under the rider becomes effective. In addition, the spouse must be at least 18 years of age but not older than 64 years of age. Spouse as defined in this rider includes civil union or domestic partner if recognized under applicable state law. The minimum amount of term insurance under this rider is $50,000.

You may convert the rider into a new premium-paying life insurance policy on the insured spouse without providing evidence of insurability on the Certificate Anniversary Date that is on or next follows the earliest of the following events:

•	annulment, divorce or legal separation before the insured spouse’s 65^th birthday;

•	the Insured’s spouse’s 65^th birthday; or

•	the death of the Insured before the insured spouse’s 65^th birthday; or

•	if applicable, the date any Overloan Protection Rider to the Certificate is exercised.

The rider may be converted into a policy on the life of the insured spouse without evidence of insurability. The conversion is subject to us receiving an application for the new policy within the period beginning 90 days before and ending 31 days after the date the event described immediately above occurs. The face amount of the new policy cannot exceed the amount of term insurance under this rider. The first full premium for the new policy must be paid while the insured spouse is alive and within 31 days after the termination of this rider.

You may request an increase or decrease in the face amount of the rider, which will be subject to our approval. If you change the face amount, your certificate charges will change accordingly. There is an additional charge for this rider that varies based on the individual characteristics of the insured spouse. Please see the Periodic Charges Other than Fund Operating Expenses table for information about the Spouse Level Term Insurance Rider charge.

If the Insured’s spouse dies by suicide, while sane or insane, within two years after this rider’s issue date, the amount we will pay will be limited to the cost for this rider (or, if within two years after the effective date of any increase in the amount of term insurance, the cost of such increase).

We will not, in the absence of fraud, contest:

•	the insurance on the insured spouse after it has been In Force during the lifetime of the insured spouse for a period of two years from the rider issue date;

•	any optional increase of the coverage on the insured spouse after the increase has been In Force during the lifetime of the insured spouse for two years after the effective date of the increase; or

•	the reinstatement of insurance on the insured spouse after the reinstated coverage has been In Force during the lifetime of the insured spouse for two years after the effective date of reinstatement.

Coverage under the rider will end on the earliest of:

•	the date of termination of the certificate; or

•	the Monthly Calculation Date on or next following the date we receive your Written Request to terminate this rider; or

•	the date this rider is converted to a new certificate; or

•	the Certificate Anniversary date that is on or next follows the insured spouse’s 65^th birthday; or

•	if applicable, the date any Overloan Protection Rider to the certificate is exercised. This rider can be added at any time.

Below is an example showing the impact of this rider:

Assume the following:

•	The Spouse Level Term Insurance Rider was available at the Case level and the Insured selected it to cover her spouse.

•	The Spouse Attained Age is 55.

•	The Coverage amount is $100,000.

•	Upon the death of the spouse, the Spouse Level Term Insurance Rider pays out $100,000 to the Beneficiary named under the rider.

•	The rider terminates after the payout.

Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Waiver of Monthly Charges Rider

Under this rider we will waive the monthly charges deducted from your Account Value (other than the mortality and expense risk charge) if:

•	the Insured becomes totally disabled (as defined in the rider) before the Certificate Anniversary that is on or next follows the Insured’s 65^th birthday; and

•	such total disability continues for six consecutive months.

We will not return any premiums paid; however, we will adjust the Account Value according to the terms of the rider.

Total Disability is defined as an incapacity of the Insured that:

•	is caused by sickness or injury; and

•	requires the Insured to be under a doctor’s care; and

•	begins while this rider is In Force; and

•	for the first 24 months of any period of Total Disability, prevents the Insured from performing the substantial and material duties of the Insured’s occupation; and

•	after Total Disability has continued for 24 months, prevents the Insured from engaging in any occupation the Insured is or may become qualified to perform.

No benefit will be payable if the Insured’s disability results directly or indirectly from any of these causes:

•	Suicide Attempt – Any suicide attempt, or intentionally self-inflicted injury, while sane or insane.

•	War – War, declared or undeclared, or any act of war.

•	Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group of countries.

•	Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.

•	Felony – Disability that occurred while committing a felony.

Benefits payable under this rider end when any of the following occurs:

•	the Insured is no longer totally disabled; or

•	you do not give us the required satisfactory proof of continued total disability; or

•	the Insured fails or refuses to have a required examination; or

•	the Certificate Anniversary date that is on or next follows the Insured’s 65^th birthday, or, if later, the date two years from the date the total disability began.

Proof of claim must be received at our Administrative Office while the Insured is living and during the continuance of total disability. Also, it must be received within one year after the earlier of:

•	the Certificate Anniversary date that is on or next follows the Insured’s 65^th birthday; and

•	termination of the certificate.

However, if it was not reasonably possible to give us notice and/or proof of claim on time, the delay will not reduce the benefit if notice and/or proof are given as soon as reasonably possible.

Until we approve your claim, you are required to pay all premiums necessary to avoid a lapse of this certificate. If total disability begins during this certificate’s Grace Period, any required premiums must be received before we will approve the claims made under this rider.

There is an additional charge for this rider that varies based on the individual characteristics of the Insured. Please see the ‘‘Rider Charges’’ table under the ‘‘Fee Tables’’ section for information about the Waiver of Monthly Charges Rider charge.

This rider may be added at any time and may be cancelled by the Certificate Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our Administrative Office.

The example below shows the operation of this rider:

•	The Insured is Attained Age 55.

•	The Insured has been totally and permanently disabled for at least 6 months.

•	Account Value on the Monthly Calculation Date prior to the deduction of monthly charges is $100,000.

•	Total monthly charges are $400.

•	The rider waives the monthly charges, so the Account Value remains at $100,000.

Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Benefits Description [Table Text Block]

Accelerated Benefits for Terminal Illness RiderThis rider advances a portion of the certificate’s death benefit to the Certificate Owner when we receive proof, satisfactory to us, that the Insured is terminally ill and is not expected to live more than 12 months prior to activation of the rider. In return for the advanced payment, we establish a lien against the certificate, equal to the amount of the accelerated benefit. We do not charge interest against the lien.Benefits under the rider may be taxable. The Certificate Owner should seek tax advice prior to requesting an accelerated death benefit payment.For the purposes of this rider, terminal illness is a medical condition that:is first diagnosed by a Legally Qualified Physician; andwith reasonable medical certainty, will result in the death of the Insured within 12 months from the date the Legally Qualified Physician certifies the diagnosis; andis not curable by any means available to the medical profession.We must receive the following items before an accelerated benefit can be paid:Certificate Owner’s Written Request for payment of an accelerated death benefit under the certificate;Insured’s written authorization to release medical records to us;written consent to this request of any assignee and any irrevocable Beneficiary under the certificate; andwritten certification from a Legally Qualified Physician that the Insured has a terminal illness, as defined above.The amount of the death benefit under the certificate that can be considered for acceleration is determined as of the acceleration date. The acceleration date is the first date on which all the requirements for acceleration, except any confirming examination that we may require, have been met.The amount eligible for acceleration under the rider (Eligible Amount) is equal to the death benefit payable upon the death of the Insured under the certificate.The Eligible Amount does not include:The amount of any insurance provided under the certificate, or any rider attached thereto, on the life of someone other than the Insured; andThe amount of benefit under any accidental death benefit rider.The Certificate Owner may accelerate any portion of the Eligible Amount subject to the following limitations:the minimum amount that may be accelerated is $25,000; andthe maximum amount that may be accelerated is equal to the lesser of 75% of the Eligible Amount or $250,000 minus the total amount accelerated under all other policies issued by us or any of our affiliates on the life of the Insured.After the accelerated benefit payment is made, this certificate will remain In Force and premiums and charges will continue in accordance with the certificate provisions.Payment of the terminal illness benefit will be made to the Certificate Owner in a single sum, unless the payment has been assigned or designated by the Certificate Owner. However, we will not make the payment if we first receive due proof of the Insured’s death; in this case, we will instead pay the death benefit as if no request has been received under the rider.The rider terminates upon any of the following events:on the date the accelerated benefit payment is made;on the date the certificate terminates;if applicable, any Overloan Protection Rider to the certificate is exercised; ortwo years before the Paid-up Certificate Date.The rider is included automatically with the certificate. There is no charge for this rider. If a claim is made under this rider, then we will assess a charge of no more than $250.An example of the Accelerated Benefits for Terminal Illness Rider is set forth in Appendix C.Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.Accelerated Death Benefit for Chronic Illness RiderThis rider advances to the Certificate Owner a portion of the certificate’s death benefit when we receive satisfactory proof at our Administrative Office that the Insured is chronically ill. If the death benefit is accelerated under this rider, the certificate values, including the death benefit, Certificate Debt and, for Death Benefit Option A, the cash value will be reduced.Benefits under the rider may be taxable and there may be tax consequences of accepting an amount above the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4). The Certificate Owner should seek additional information about the tax status of the payment from a personal tax advisor prior to requesting a Chronic Illness Benefit Payment.Capitalized terms used but not defined herein shall have the meanings ascribed to them in the rider.For the purposes of this rider, “chronically ill” means that a Licensed Health Care Practitioner has certified, within the previous twelve (12) months, that the Insured:is permanently unable to perform, without Substantial Assistance, at least two (2) Activities of Daily Living due to loss of functional capacity; orrequires Substantial Supervision to protect the Insured from threats to health or safety due to permanent Severe Cognitive Impairment.Subject to the provisions of the rider, upon Written Request of the Certificate Owner, a Chronic Care Benefit payment will be paid if:A payment under the Accelerated Benefits for Terminal Illness Rider has not been previously paid; andA Chronic Care Benefit using Benefit Option 1, a single lump sum payment using the Maximum Acceleration Amount, has not previously been paid; andThere is an Annual Eligible Amount available for acceleration as described below; andNo more than four Chronic Care Benefit payments using Benefit Option 2 have been previously paid; andDue proof is received by the insurer in writing that the Insured is chronically ill, as defined above.The amount of the Chronic Care Benefit payment depends on whether the Certificate Owner elects either Benefit Option 1 or Benefit Option 2, as described below. After a Chronic Care Benefit payment is made, the elected option may not be changed. Under either Benefit Option 1 or Benefit Option 2, the amount of the payment is determined on the date the Company approves the Chronic Care Benefit payment.As described below, the amount of the Chronic Care Benefit payment is either (i) the Maximum Acceleration Amount paid under Benefit Option 1, or (ii) the Annual Eligible Amount paid under Benefit Option 2, with the amount either (i) or (ii) reduced by the sum of:The cost of exercising the Chronic Care Benefit based on the Insured’s age; plusAny unpaid premium amount needed to avoid Certificate termination under the Grace Period And Termination section of the Certificate; plusThe Applicable Percentage of any Certificate Debt.If the Annual Eligible Amount or the Maximum Acceleration Amount is reduced by the Applicable Percentage of Certificate Debt, then the amount equal to the reduction will be applied to repay the Certificate Debt.Benefit Option 1:If the Certificate Owner elects Benefit Option 1, only one Chronic Care Benefit will be paid, and it will be based on the Maximum Acceleration Amount.The Maximum Acceleration Amount is the portion of the death benefit that is used to determine the amount to be accelerated under Benefit Option 1, and is the lesser of:75% of the Original Total Selected Face Amount; orFive times the product of the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4), on the date the claim is approved, multiplied by 365.Benefit Option 2:If the Certificate Owner elects Benefit Option 2, up to five Chronic Care Benefits may be paid based on the Annual Eligible Amount. Benefit Option 2 may not be exercised more than once in any 12-month period. The Annual Eligible Amount is the portion of the death benefit that is used to determine the maximum amount to be accelerated in any 12-month period. The Annual Eligible Amount is equal to the lesser of:50% of the Current Selected Face Amount for the Chronic Care Benefit;75% of the Original Total Selected Face Amount net of any face amount previously accelerated; orThe product of the per diem amount allowed by the Internal Revenue Code by Section 7702B(d)(4), on the date the claim is approved, multiplied by 365.Accelerating the death benefit for chronic illness will have the following effects on the certificate:The Base Selected Face Amount, Supplemental Selected Face Amount, and Account Value will be reduced by Applicable Percentage after each Chronic Care Benefit payment. Monthly charges will then be based on the new Base Selected Face Amount, Supplemental Selected Face Amount, and Account Value.Any Certificate Debt will also be reduced by the Applicable Percentage.The cost of the Waiver of Monthly Charges Rider, if elected, will be adjusted to reflect the Current Selected Face Amount.For Certificate Owners who have elected Death Benefit Option A, the Surrender Value will be reduced by the Applicable Percentage.There is no premium or cost of insurance charge for this rider. The cost for exercising the Chronic Care Benefit is a percentage of either the Maximum Acceleration Amount if Benefit Option 1 is elected or the Annual Eligible Amount if Benefit Option 2 is elected and is based on the age of the Insured on the date we approve the Chronic Care Benefit payment.This rider is included automatically with Certificates issued under Group Policies issued in Ohio on or after January 1, 2021.This rider will terminate on the earliest of:A Chronic Care Benefit is paid under Benefit Option 1;A fifth Chronic Care Benefit payment is made under Benefit Option 2;75% of the Original Total Selected Face Amount is accelerated;A benefit is paid under the Accelerated Benefits For Terminal Illness Rider;The Overloan Protection Rider is exercised;The certificate is no longer In Force; orThe certificate terminates for any reason.An example of the operation of the Accelerated Death Benefit for Chronic Illness Rider is set forth in Appendix E.Accidental Death Benefit RiderIn the event of accidental death of the Insured, we will pay a benefit equal to the lesser of:the Base Selected Face Amount on the date of the Insured’s death; or$5,000,000.To pay any benefit under this rider, we will require proof, satisfactory to us, that the Insured’s death occurred:as a direct result of accidental bodily injury independently of all other causes;within 180 days after the injury occurred; andwhile the certificate and rider were In Force.For purposes of this rider, proof satisfactory to us means:death by drowning or internal injuries must be confirmed by autopsy,for all other injuries, the cause of death must be shown by a visible wound on the exterior of the body.Unless prohibited by law, we have the right to examine a body at any time at our expense.No accidental death will be payable if the Insured’s death results directly or indirectly from any of these causes.Suicide – Suicide, while the Insured is sane or insane.War – War, declared or undeclared, or any act of war.Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. ‘‘War’’ includes undeclared war and any act of war. ‘‘Country’’ includes any international organization or group of countries.Aviation – Travel in, or descent from or with, any kind of aircraft aboard which the Insured is a pilot or crew member or is giving or receiving any training. ‘‘Crew member’’ includes anyone who has any duty aboard the aircraft.Natural Causes – Bodily or mental illness, disease, or infirmity of any kind, or medical or surgical treatment for any of these.Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.Felony – Death that occurred while committing a felony.This rider will be contestable on the same basis as the Certificate during the lifetime of the Insured for two years from the rider issue date.This rider ends automatically:on the Certificate Anniversary date which is on or next follows the Insured’s 65^th birthday; orupon the termination of the certificate for any reason.The rider may also be cancelled by the Certificate Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our Administrative Office.There is an additional charge for this rider equal to $0.025 per $1,000 of rider coverage. This rider may only be added at the time of issue of the certificate.The example below shows the operation of this rider:Assume that the Accidental Death Benefit Rider Face Amount is $500,000 and that the Insured’s Attained Age at death is 60.Upon death due to accidental causes, $500,000 will be paid in addition to the death benefit as determined under the main coverage.Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.Children’s Level Term Insurance RiderThis rider provides $25,000 of level term insurance on the life of each of the Insured’s children between the ages of 15 days and 26 years. To qualify as an insured child, the child’s relationship to the Insured must be either child, stepchild or legally adopted child, either on or after the date of the application. Additionally, the insured child must have been discharged from the hospital after his or her birth.We will pay to the rider Beneficiary the applicable amount described below upon receipt of proof that the death of an insured child occurred:before the end of the term of insurance for the insured child;while coverage for the insured child was In Force; andwhile the certificate is In Force.The amount of benefit under this rider will be:the amount of term insurance if the death occurs 180 days or more after the insured child’s date of birth, but before the Certificate Anniversary that is on or next follows the insured child’s 26^th birthday; orone-half of the amount of term insurance if the death occurs more than 14 days but less than 180 days after the insured child’s date of birth.If the Insured’s child dies by suicide, while sane or insane, within two years after this rider’s issue date, the amount we will pay will be limited to the cost for this rider (or, if within two years after the effective date of any increase in the amount of term insurance, the cost of such increase).We will not, in the absence of fraud, contest:the insurance on the insured child after it has been In Force during the lifetime of the insured child for a period of two years from the rider issue date; orthe reinstatement of insurance on the insured child after the reinstated coverage has been In Force during the lifetime of the insured child for two years after the effective date of reinstatement.The rider may be converted into a policy on the life of the insured child without evidence of insurability at the end of an insured child’s term of insurance provided that we must receive an application for the new policy within the period beginning 90 days before and ending 31 days after the end of the insured child’s term of insurance. The face amount of the new policy will be the amount of term insurance under this rider. The first full premium for the new policy must be paid while the insured child is alive and within 31 days after the end of the insured child’s term of insurance.The term of insurance for a child ends on the earlier of:the date the certificate terminates; orthe Monthly Calculation Date on or next following the date we receive a Written Request to terminate the rider; orthe Insured’s Attained Age 65; orthe Certificate Anniversary date on or next following the insured child’s 26^th birthday.If the Insured dies while the rider is In Force, coverage on the life of the insured child will continue until the Certificate Anniversary date that is on or next follows the insured child’s 26^th birthday.This rider may be added at any time. There is an additional charge for this rider.The example below shows the operation of this rider:Assume that the Insured has three children, ages 10, 16, and 27 and the Insured elected the Children’s Level Term Rider.If the Insured’s 10 or 16 year old child dies, the Children’s Level Term Insurance Rider will pay $25,000 to the Insured.Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.Overloan Protection RiderA Certificate Owner is able to prevent the certificate from lapsing due to Certificate Debt by invoking the Overloan Protection Rider, which provides a guaranteed paid-up insurance benefit. This rider is designed to enable a Certificate Owner with a substantially depleted Surrender Value, due to Certificate Debt, to potentially avoid the negative tax consequences associated with the lapsing of the certificate.Note: The IRS has not issued guidance on the tax consequences of exercising the Overloan Protection Rider. It is possible that the IRS could assert that the Certificate Debt should be treated as a distribution, in whole or in part, when the rider is invoked. Consult with a tax adviser regarding the risks associated with invoking this rider.This rider is automatically attached on the Issue Date of the certificate if the certificate has been issued using the Guideline Premium Test under Section 7702 of the IRC. The rider cannot be elected after the certificate Issue Date or if the certificate was issued using the Cash Value Accumulation Test under Section 7702 of the IRC.This rider will be exercised when we have received the Certificate Owner’s Written Request and all of the following requirements have been met:The certificate is In Force and has reached the 15th Certificate Anniversary date;The Insured is at least Attained Age 75;The Account Value of the certificate must be at least $100,000;The non-loaned Account Value is sufficient to pay the rider charge (described below);The certificate is issued under the federal Guideline Premium Test under Section 7702 of the Internal Revenue Code, as amended;The certificate is not, and exercise of this rider will not cause the certificate to become, a ‘‘Modified Endowment Contract’’ under the IRC;The Certificate Debt exceeds a specified percentage of the Account Value. This percentage is called the Overloan Trigger Point Percentage and varies by the Attained Age of the Insured. The Overloan Trigger Point Percentages are shown below; andAll amounts that may be withdrawn from the certificate without the imposition of federal income tax must be taken as withdrawals.The first time the requirements to exercise this rider are met, we will notify the Certificate Owner. The notice will be mailed 31 days before the end of the certificate’s Grace Period.To exercise the rider, Certificate Debt must exceed a specified percentage of the Account Value called the Overloan Trigger Point. There is a one-time charge to exercise this rider. The charge is equal to the Account Value multiplied by a percentage that varies by the Insured’s Attained Age at the time the rider is exercised.The Overloan Protection Rider Triggers and Rider Charge Percentages vary by the Insured’s Attained Age as shown below.When all of the certificate conditions are met, and after we receive the Certificate Owner’s Written Request to exercise this rider and the Rider Charge has been applied, the certificate’s death benefit will be adjusted in two steps:If the Death Benefit Option is not already Death Benefit Option A, it will be changed to Death Benefit Option A; andThe Total Selected Face Amount will equal the Minimum Death Benefit after the Rider Charge is taken. If this Total Selected Face Amount is not compliant with Section 7702 of the IRC, the Certificate Owner will not be allowed to exercise this rider.Exercising this rider will affect the certificate and any other certificate riders as follows:Interest will continue to accrue on the Certificate Debt at the applicable interest rate under the certificate;The loaned Account Value in the Guaranteed Principal Account will earn interest at the same rate as the loan interest rate;Any remaining non-loaned Account Value will be held in the Guaranteed Principal Account and will accrue interest at not less than the certificate’s minimum annual interest rate for the Guaranteed Principal Account, shown in the certificate’s specifications pages;All other certificate riders will be terminated;No further monthly charges or additional charges will be taken from the Account Value;No further premiums will be allowed;No further certificate loans may be taken and no further loan payments may be made;No further certificate changes, transfers of values or withdrawals will be allowed;The Total Selected Face Amount will equal the Minimum Death Benefit, after deduction of the charge for the rider;The certificate will be placed in paid-up status; andThe Certificate Owner will be notified of the changes to the certificate.Note: The death benefit may be reduced (significantly) to the minimum amount permitted under the tax code to maintain the certificate’s status as a life insurance policy.This rider will terminate when any of the following occurs:Before this rider is exercised, we receive a satisfactory Written Request from the Certificate Owner to terminate this rider. Such termination will be effective on the Monthly Calculation Date on, or that next follows, the date we receive the Written Request; orThe Paid-up Certificate Date; orTermination of the certificate for any reason.This rider cannot be reinstated if it was terminated at the Certificate Owner’s request.This rider is not available in New York.An example of the Overloan Protection Rider is set forth in Appendix D.Spouse Level Term Insurance RiderThis rider provides level term insurance on the life of an Insured’s spouse. The spouse may not be legally separated from the Insured when coverage under the rider becomes effective. In addition, the spouse must be at least 18 years of age but not older than 64 years of age. Spouse as defined in this rider includes civil union or domestic partner if recognized under applicable state law. The minimum amount of term insurance under this rider is $50,000.You may convert the rider into a new premium-paying life insurance policy on the insured spouse without providing evidence of insurability on the Certificate Anniversary Date that is on or next follows the earliest of the following events:annulment, divorce or legal separation before the insured spouse’s 65^th birthday;the Insured’s spouse’s 65^th birthday; orthe death of the Insured before the insured spouse’s 65^th birthday; orif applicable, the date any Overloan Protection Rider to the Certificate is exercised.The rider may be converted into a policy on the life of the insured spouse without evidence of insurability. The conversion is subject to us receiving an application for the new policy within the period beginning 90 days before and ending 31 days after the date the event described immediately above occurs. The face amount of the new policy cannot exceed the amount of term insurance under this rider. The first full premium for the new policy must be paid while the insured spouse is alive and within 31 days after the termination of this rider.You may request an increase or decrease in the face amount of the rider, which will be subject to our approval. If you change the face amount, your certificate charges will change accordingly. There is an additional charge for this rider that varies based on the individual characteristics of the insured spouse. Please see the Periodic Charges Other than Fund Operating Expenses table for information about the Spouse Level Term Insurance Rider charge.If the Insured’s spouse dies by suicide, while sane or insane, within two years after this rider’s issue date, the amount we will pay will be limited to the cost for this rider (or, if within two years after the effective date of any increase in the amount of term insurance, the cost of such increase).We will not, in the absence of fraud, contest:the insurance on the insured spouse after it has been In Force during the lifetime of the insured spouse for a period of two years from the rider issue date;any optional increase of the coverage on the insured spouse after the increase has been In Force during the lifetime of the insured spouse for two years after the effective date of the increase; orthe reinstatement of insurance on the insured spouse after the reinstated coverage has been In Force during the lifetime of the insured spouse for two years after the effective date of reinstatement.Coverage under the rider will end on the earliest of:the date of termination of the certificate; orthe Monthly Calculation Date on or next following the date we receive your Written Request to terminate this rider; orthe date this rider is converted to a new certificate; orthe Certificate Anniversary date that is on or next follows the insured spouse’s 65^th birthday; orif applicable, the date any Overloan Protection Rider to the certificate is exercised. This rider can be added at any time.Below is an example showing the impact of this rider:Assume the following:The Spouse Level Term Insurance Rider was available at the Case level and the Insured selected it to cover her spouse.The Spouse Attained Age is 55.The Coverage amount is $100,000.Upon the death of the spouse, the Spouse Level Term Insurance Rider pays out $100,000 to the Beneficiary named under the rider.The rider terminates after the payout.Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.Waiver of Monthly Charges RiderUnder this rider we will waive the monthly charges deducted from your Account Value (other than the mortality and expense risk charge) if:the Insured becomes totally disabled (as defined in the rider) before the Certificate Anniversary that is on or next follows the Insured’s 65^th birthday; andsuch total disability continues for six consecutive months.We will not return any premiums paid; however, we will adjust the Account Value according to the terms of the rider.Total Disability is defined as an incapacity of the Insured that:is caused by sickness or injury; andrequires the Insured to be under a doctor’s care; andbegins while this rider is In Force; andfor the first 24 months of any period of Total Disability, prevents the Insured from performing the substantial and material duties of the Insured’s occupation; andafter Total Disability has continued for 24 months, prevents the Insured from engaging in any occupation the Insured is or may become qualified to perform.No benefit will be payable if the Insured’s disability results directly or indirectly from any of these causes:Suicide Attempt – Any suicide attempt, or intentionally self-inflicted injury, while sane or insane.War – War, declared or undeclared, or any act of war.Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group of countries.Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.Felony – Disability that occurred while committing a felony.Benefits payable under this rider end when any of the following occurs:the Insured is no longer totally disabled; oryou do not give us the required satisfactory proof of continued total disability; orthe Insured fails or refuses to have a required examination; orthe Certificate Anniversary date that is on or next follows the Insured’s 65^th birthday, or, if later, the date two years from the date the total disability began.Proof of claim must be received at our Administrative Office while the Insured is living and during the continuance of total disability. Also, it must be received within one year after the earlier of:the Certificate Anniversary date that is on or next follows the Insured’s 65^th birthday; andtermination of the certificate.However, if it was not reasonably possible to give us notice and/or proof of claim on time, the delay will not reduce the benefit if notice and/or proof are given as soon as reasonably possible.Until we approve your claim, you are required to pay all premiums necessary to avoid a lapse of this certificate. If total disability begins during this certificate’s Grace Period, any required premiums must be received before we will approve the claims made under this rider.There is an additional charge for this rider that varies based on the individual characteristics of the Insured. Please see the ‘‘Rider Charges’’ table under the ‘‘Fee Tables’’ section for information about the Waiver of Monthly Charges Rider charge.This rider may be added at any time and may be cancelled by the Certificate Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our Administrative Office.The example below shows the operation of this rider:The Insured is Attained Age 55.The Insured has been totally and permanently disabled for at least 6 months.Account Value on the Monthly Calculation Date prior to the deduction of monthly charges is $100,000.Total monthly charges are $400.The rider waives the monthly charges, so the Account Value remains at $100,000.Please see ‘‘Appendix F – State Variations of Certain Certificate Features’’ for state variations pertaining to this rider.

Prospectuses Available [Text Block]

The following is a list of Funds currently available under the certificate. This list of Funds is subject to change, as discussed in the prospectus for the certificate. Before you invest, you should review the prospectuses for the Funds. These prospectuses contain more information about the Funds and their risks and may be amended from time to time. You can find the prospectuses and other information about the Funds online at www.MassMutual.com/SGVULII. You can also request this information at no cost by calling (800) 548-0073 or sending an email request to LCMClientServices@MassMutual.com.

Risk [Text Block]

You can lose money by investing in the certificate.