EX-99.(D)(II) 3 b68365a1exv99wxdyxiiy.txt POLICY RIDERS Exhibit (D)(ii) ACCIDENTAL DEATH BENEFIT RIDER Metropolitan Life Insurance Company IF THIS RIDER IS ADDED AFTER THE POLICY IS ISSUED, THE PERIOD OF INCONTESTABILITY FOR THIS RIDER IS DIFFERENT FROM THAT IN THE POLICY AND BEGINS ON THE ISSUE DATE OF THIS RIDER. This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. ACCIDENTAL DEATH BENEFIT The Policy Proceeds will be increased by an Accidental Death Benefit upon receipt of proof of the Insured's death that: 1. Resulted directly, and independent of all other causes, from accidental bodily injury; 2. Occurred while this Rider was in force; 3. Occurred within 90 days after the accidental bodily injury; and 4. Occurred on or after the Insured's first birthday. RISKS NOT ASSUMED This Benefit will not be payable if the Insured's death resulted directly or indirectly from: 1. Suicide; 2. Mental illness or treatment for mental illness; 3. Infection, except when caused by an external visible wound accidentally sustained; 4. The use of any drug, unless used on the advice of a licensed medical practitioner; 5. The commission of or attempt to commit an assault or felony by the Insured; 6. Flight in or descent from or with any kind of aircraft or spacecraft, unless the Insured was only a passenger with no duties in connection with the flight or descent, and the flight or descent was not for a training or experimental purpose; or 7. War or warlike action in a time of peace. AMOUNT OF BENEFIT The amount of this Benefit is shown on the Rider Specifications for Accidental Death Benefit Rider (called "Rider Specifications"). The amount will be doubled if the accidental bodily injury occurs while the Insured is a fare-paying passenger on a licensed public conveyance being operated for passenger service by a common carrier. MONTHLY COST OF INSURANCE The Monthly Cost of Insurance for the following month: is charged as part of the Monthly Deduction; and equals the amount of this Benefit times the Monthly Cost of Insurance Rate, divided by 1,000. The Monthly Cost of Insurance rate used to calculate the cost will not exceed the Guaranteed Maximum Monthly Cost of Insurance Rate shown on the Rider Specifications. MONTHLY COST OF INSURANCE The Monthly Cost of Insurance Rate for this RATES benefit is based on the Insured's Rider issue age, Rider risk classification, sex and number of completed years from the Issue Date of this Rider. Monthly Cost of Insurance Rates will be determined by us based on our expectations as to future mortality, tax, interest earnings, expense and persistency experience. We will not adjust such rates as a means of recovering prior losses nor as a means of distributing prior profits. These rates will not exceed those shown in the Table of Guaranteed Maximum Monthly Cost of Insurance Rates per $1,000 on the attached Rider Specifications page. INCONTESTABILITY This Rider will not be contestable with respect to material misrepresentations made in the application after it has been in force during the lifetime of the Insured for two years from the Issue Date of this Rider.
TERMINATION This Rider will terminate upon the earliest of: 1. The Insured's Attained Age 70; 2. The date the Policy lapses; 3. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider; and 4. The date the Policy terminates, unless the Policy terminates as a result of the exercising of any Acceleration of Death Benefit rider. If the Policy terminates as a result of the exercising of any Acceleration of Death Benefit rider, this Rider will stay in force as described in that rider.
The Issue Date of this Rider and the Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary RIDER SPECIFICATIONS FOR ACCIDENTAL DEATH BENEFIT RIDER INSURED: [JOHN DOE] COVERAGE: ACCIDENTAL DEATH BENEFIT RIDER POLICY NUMBER: [SPECIMEN] RIDER BENEFIT AMOUNT: [$50,000]
TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1,000
ATTAINED ATTAINED ATTAINED AGE RATE AGE RATE AGE RATE -------- ----- -------- ----- -------- ------ [35 0.075 51 0.088 67 0.123 36 0.075 52 0.088 68 0.123 37 0.076 53 0.088 69 0.134] 38 0.075 54 0.088 39 0.075 55 0.088 40 0.076 56 0.089 41 0.076 57 0.089 42 0.076 58 0.090 43 0.076 59 0.090 44 0.076 60 0.101 45 0.076 61 0.101 46 0.076 62 0.101 47 0.077 63 0.101 48 0.087 64 0.101 49 0.087 65 0.112 50 0.087 66 0.112
These rates are for the Accidental Death Benefit Rider as of the Issue Date. CHILDREN'S TERM INSURANCE RIDER Metropolitan Life Insurance Company IF THIS RIDER IS ADDED AFTER THE POLICY IS ISSUED, THE PERIODS OF INCONTESTABILITY AND SUICIDE FOR THIS RIDER ARE DIFFERENT FROM THOSE IN THE POLICY AND BEGIN ON THE ISSUE DATE OF THIS RIDER. This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. FACE AMOUNT The Face Amount for this Rider on each Insured Child on and after age six months is the Face Amount shown for the Rider on the Policy Specifications page, and half of that amount before age six months. If this Rider is added after the Policy is issued, the Policy Specifications for Policy Change page shows the Face Amount for this Rider. LIFE INSURANCE BENEFIT We will pay the Face Amount as defined above to the Beneficiary under this Rider upon the death of the Insured Child while this Rider is in force. We must receive proof satisfactory to us that the death occurred before the Final Date of insurance on such Insured Child. DEFINITION OF INSURED The Insured, as shown on the Policy Specifications page, is the person whose life is covered under the Policy to which this Rider is attached. If this Rider is added after the Policy is issued, the Policy Specifications for Policy Change page shows the Insured. DEFINITION OF INSURED CHILD Any child, stepchild or legally adopted child of the Insured is an Insured Child if named in the application for this Rider and if the child is: at least age 15 days; and less than attained age 18. Any child, stepchild or legally adopted child of the Insured who is less than 15 days on the date the application is signed becomes an Insured Child at age 15 days if named in the application for this Rider. Any child of the Insured born after the date of the application for this Rider will become an Insured Child at age 15 days. Any child who becomes a stepchild of the Insured after the date of the application for this Rider but before the child's 18th birthday will become an Insured Child at age 15 days or on the date he or she becomes a stepchild of the Insured, if later. Any child who is legally adopted by the Insured after the date of the application for this Rider but before the child's 18th birthday will become an Insured Child at age 15 days or on the date of adoption, if later. Each Insured Child will cease to be an Insured Child on the earliest of the following events: 1. His or her 25th birthday; 2. The Final Date of this Rider; 3. A conversion of the insurance provided by this Rider on that Insured Child; and 4. The death of that Insured Child. OWNER Unless otherwise provided, during the lifetime of the Insured, the Owner of the Policy will be the Owner of this Rider. If you change the Owner of this Rider, you must make the change in written form satisfactory to us. If acceptable to us, the change will take effect as of the time you signed the request. The change will be subject to any assignment of the Policy or other legal restrictions. It will also be subject to any payment we made or action we took before we received your written notice of the change. Upon the death of the Insured, all such rights with respect to insurance then in force under this Rider on the life of an Insured Child will vest in such Insured Child, unless otherwise provided. BENEFICIARY Unless otherwise provided in the application or changed by you, the Beneficiary of any benefit payable as a result of the death of any Insured Child will be: the Insured, if living; otherwise, the estate of that Insured Child. You may change the Beneficiary of the insurance on the life of any Insured Child under this Rider. You must make the change In Writing during the lifetime of such person. Once it is recorded, the change will take effect as of the date you signed the request. This change will be subject to any payment or action we took before we received the change. The Beneficiary designation and any changes made will be subject to any assignment of the Policy. An irrevocable beneficiary cannot be changed without his or her consent.
MONTHLY COST OF RIDER The Monthly Cost of Rider for the following month is charged as part of the Monthly Deduction. The Monthly Cost of Rider is equal to the Guaranteed Monthly Cost of Rider Charge shown on the: Policy Specifications page; or the Policy Specifications for Policy Change page. EXTRA AMOUNT OF INSURANCE We will provide an extra amount of insurance on an Insured Child for 90 days at no extra charge when: 1. That Insured Child marries; 2. A child is born to that Insured Child; and 3. A child is legally adopted by that Insured Child. The extra amount of insurance will be four times the Face Amount under this Rider. On receipt of proof that the Insured Child died within 90 days after the marriage, birth or adoption, we will pay the extra amount to the estate of that Insured Child. The extra insurance will expire at the end of 90 days after the marriage, birth or adoption. In no event will the amount of extra insurance on an Insured Child be more than four times the Face Amount if any 90-day periods overlap. Any extra amount of insurance provided under this provision is not convertible under the Conversion Rights provision. SUPPLEMENTARY PAID-UP POLICY Except as provided under the Suicide Exclusion provision of this Rider, if the Insured's death occurs while this Rider is in force, any remaining insurance on each Insured Child will be continued for the balance of its term. No further premiums will be required. A supplementary fixed benefit paid-up policy will be issued to the Owner of this Rider. We must receive proof of death of the Insured. Any child who would have become an Insured Child if the Insured's death had not occurred will become an Insured Child in accordance with the provisions of this Rider. CONVERSION RIGHTS While the Policy is in force, the Owner may convert the term insurance in force under this Rider on each Insured Child to a new policy on that Insured Child's Date of Conversion. The Date of Conversion is: any day between the 22nd and 25th birthday of that Insured Child; or, if earlier, the Final Date of this Rider. An Insured Child's Date of Conversion can be advanced to the date on which any extra amount of insurance on that Insured Child expires under this Rider. The new policy will be issued: 1. On the life of that Insured Child; 2. Without proof of insurability; 3. With a Face Amount not more than five times the Face Amount of this Rider on that Insured Child; 4. Based on a standard nonsmoker risk classification or the risk classification the issuing company determines is closest to it if that classification is not available on the new policy; 5. With a current policy date and a current issue date; 6. By us or by an affiliate designated by us; 7. On a plan agreed to by the issuing company, to the extent available for sale by that company on the date of the conversion and subject to any limits under Federal income tax and other applicable rules; 8. At the then current age of that Insured Child as calculated by the issuing company for that plan of insurance; 9. Subject to payment of the first premium for the new policy while that Insured Child is living, and within 60 days prior to or 31 days after the date coverage on that Insured Child terminates;
10. On a policy form and at rates in use by the issuing company on the policy date of the new policy; and 11. Subject to any assignments and limitations to which this Rider is subject. If the amount of insurance to be converted is less than the issuing company's published minimum limits of issue, the conversion may be made only with our consent. REINSTATEMENT If this Rider lapses, you may reinstate it within three years after the date of lapse, or later if we consent. To reinstate, you must submit the following items: 1. A written application for reinstatement; 2. Proof satisfactory to us that each Insured Child is insurable; and 3. Payment, while each Insured Child is living, of each unpaid charge for this Rider that was due and unpaid at the time of lapse; and. 4. Payment, while each Insured Child is living, of an amount large enough to keep this Rider in force for at least two months. All Insured Children must be living on the date we approve the request for reinstatement. If an Insured Child is not living, such approval is void and of no effect. The reinstated Rider will be in force from the date we approve the reinstatement application. This Rider can be reinstated only if the Policy is also reinstated or is in force. If only a portion of the Policy coverage is reinstated, then only a portion of this Rider coverage may also be reinstated. INCONTESTABILITY We cannot contest this Rider with respect to material misrepresentations made in the application after it has been in force during the life of the Insured for two years. SUICIDE EXCLUSION If the Insured dies by suicide within two years from the Issue Date of this Rider: 1. This Rider will not become paid-up under the Supplementary Paid-up Policy provision; and 2. Each Insured Child may, within 30 days, exchange the insurance in force under this Rider on his or her own life for a new policy under the terms of the Conversion Rights. Coverage under this Rider continues on each Insured Child until the earlier of such an exchange or the end of 30 days. INCORRECT AGE The date that coverage under this Rider ceases, expires or terminates will be based on the correct age of each Insured Child. EXPIRATION OF INSURANCE The Final Date of this Rider is the policy anniversary nearest the 65th birthday of the Insured. If this Rider has not already expired or been cancelled, then insurance on each Insured Child will cease on: the 25th birthday of that child; or the date the insurance on that child is converted. You should provide us with written notification when the youngest Insured Child reaches age 25 so that this Rider can be terminated. If you do not provide such notification, the Monthly Cost of Rider will continue to be charged as part of the Monthly Deduction.
TERMINATION This Rider will terminate upon the earliest of: 1. The date the Policy terminates; 2. Immediately before the date any Supplementary Paid-Up Policy is issued; 3. The Final Date for this Rider; and 4. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary GUARANTEED MINIMUM DEATH BENEFIT RIDER Metropolitan Life Insurance Company This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made a part of this Rider. GUARANTEED MINIMUM DEATH On each monthly anniversary, we will compare 1. BENEFIT to 2. for any applicable Guaranteed Minimum Death Benefit Period (referred to as Guaranteed Period) shown on the Rider Specifications for Guaranteed Minimum Death Benefit (called "Rider Specifications"), where: 1. Equals the sum of the Guaranteed Minimum Death Benefit Monthly Premiums for each applicable Guaranteed Period shown on the Rider Specifications page for each monthly anniversary since the Policy Date; and 2. Equals the total premiums paid to date less: all partial withdrawals; any Cash Value paid to you to allow the Policy to continue to qualify as a life insurance contract; and any Policy Loan Balance. If 2. is greater than or equal to 1. for any applicable Guaranteed Period shown on the Rider Specifications page, the Policy will not lapse. If, based on the total premium paid, the Policy qualifies for a longer Guaranteed Period than the one chosen in the application for this Rider, the longer Guaranteed Period will be in effect only if the premium requirement for the longer Guaranteed Period has been satisfied for each policy month since the Issue Date of this Rider. If the premium requirement for the Guaranteed Period chosen in the application for this Rider is not met: the Guaranteed Period chosen will no longer be in effect; and the next shorter Guaranteed Period under this Rider for which the premium requirement has been met, if any, since the Issue Date of this Rider, will be in effect. MONTHLY COST OF RIDER The Monthly Cost of Rider for the following month is charged as part of the Monthly Deduction. The Monthly Cost of Rider is the Monthly Cost of Rider Rate shown on the Rider Specifications page, divided by 1000, times the total Net Amount at Risk. GUARANTEED MINIMUM DEATH The Guaranteed Minimum Death Benefit Monthly BENEFIT PREMIUM CHANGES Premium may change if any of the following events occur: 1. A change in the Face Amount of the Policy; or 2. The addition or deletion of, change to, termination of a rider made a part of the Policy; or 3. A change in Death Benefit Option; or 4. A misstatement of age or sex in the Application; or 5. A change in the Insured's risk classification. This may also affect the Guaranteed Periods available under this Rider. If no Guaranteed Periods are available, we will notify you that this Rider is terminated. We will send you a revised Rider Specifications page reflecting the new Guaranteed Minimum Death Benefit Monthly premium. We will send you a notice if the premium requirement for the Guaranteed Period you chose for this Rider has not been met. The notice will state the amount of premium that has to be paid in order to retain the guarantee and whether, in the absence of payment, the Policy would qualify for the next shorter Guaranteed Period, if any, available under this Rider. If the premium required to keep your chosen Rider Guaranteed Period for this Rider is not paid within 62 days of the notice, that guarantee will end. If the Policy qualifies for a shorter Guaranteed Period under this Rider, the shorter period will become the new Rider Guarantee Period. The Cash Surrender Value will not be less than zero while the Guaranteed Minimum Death Benefit Rider is in effect.
RIDER GRACE PERIOD If, on a monthly anniversary during an applicable Guaranteed Period, the Policy does not meet any applicable Guaranteed Minimum Death Benefit premium requirement under this Rider and the Cash Surrender Value is less than the next Monthly Deduction, a Grace Period of 62 days will be allowed for the payment of a premium sufficient to keep this Rider in force. Between 15 and 45 days before the end of the Grace Period, we will send you notice of the amount required to meet a Guaranteed Minimum Death Benefit premium requirement under this Rider to your last known address and to any assignee on record. If we do not receive the amount required by the end of the Grace Period, this Rider will terminate at the end of that 62-day period and the guarantee provided by this Rider will no longer be in effect. If the Insured dies during the Grace Period, any premium amount required for this Rider will be deducted from the Death Benefit. MISSTATEMENT OF AGE OR SEX If we determine that there was a misstatement of age or sex in the Application, before the death of the Insured and while this Rider is in effect, then the Guaranteed Minimum Death Benefit Premium will be that amount which corresponds to the Face Amount, as adjusted under the Policy, using the correct age and/or sex. The Guaranteed Period will change based on the correct age. PREMIUM LIMITATIONS We will restrict any premium payment that would cause the Policy to fail the definition of life insurance as defined by Section 7702 of the Internal Revenue Code of 1986 or any applicable successor. This limitation will not cause this Rider to terminate. We will not restrict payment of any premium required to maintain this Rider in force because such payment will cause the Death Benefit to increase by an amount that exceeds the premium received. REINSTATEMENT If this Rider terminates because the premium requirement for this Rider has not been met while the Policy is in force, it can be reinstated within nine months provided that the Policy remains in force. Sufficient premiums must be paid to satisfy the cumulative premium requirement for the applicable Guaranteed Period at the time of reinstatement. If the Policy lapses, this Rider will terminate and cannot be reinstated. TERMINATION This Rider will terminate on the first of the following events to occur: 1. The termination of the Policy; 2. The end of the Grace Period following our notice to you that the premium requirement for this Rider was not met; 3. The expiration of the longest applicable Guaranteed Period shown on the Rider Specifications page; 4. The date a change in the Insured's risk classification results in no Guaranteed Periods being available; 5. The date a change of Insured is made; and 6. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider. CONTINUATION OF INSURANCE Once this Rider has terminated, the Policy may continue in accordance with its provisions but without the benefit provided by this Rider.
The Issue Date of this Rider and Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary RIDER SPECIFICATIONS FOR GUARANTEED MINIMUM DEATH BENEFIT RIDER INSURED: [JOHN DOE] COVERAGE: GUARANTEED MINIMUM DEATH BENEFIT RIDER POLICY NUMBER: [SPECIMEN] GUARANTEED MINIMUM DEATH BENEFIT [To Age 85] PERIOD CHOSEN GUARANTEED MINIMUM DEATH BENEFIT PERIOD MONTHLY PREMIUMS* TO AGE 85 [$65.17] TO AGE 121 [$65.17] MONTHLY COST OF RIDER RATE: [$0.025 PER $1,000]
* These premiums will be recalculated and shown on the revised Rider Specifications page if: any Policy changes are made; any other riders are added or removed; there is a change in the Insured's risk classification; or there was a misstatement of age or sex in the Application. The Policy will stay in force during the Guaranteed Minimum Death Benefit Period (referred to as Guaranteed Period) chosen in the application for this Rider if: premium in an amount that is at least equal to the Guaranteed Minimum Death Benefit Monthly Premium for that Guaranteed Period is paid by each monthly anniversary; no loans are taken; no partial withdrawals are made; and no Cash Value is paid to you to allow the Policy to continue to qualify as a life insurance contract. In order for a Guaranteed Period to be in effect, the premium requirement for that Guaranteed Period must have been satisfied for each policy month since the Issue Date of this Rider. See the Rider for a full description of the test made on each monthly anniversary. GUARANTEED SURVIVOR INCOME BENEFIT RIDER Metropolitan Life Insurance Company Subject to the conditions below, the Owner of this Policy can choose one or more Enhanced Payment Options for each Beneficiary, who is not an assignee, prior to the death of the Insured. If no Enhanced Payment Option has been chosen by the Owner, each Beneficiary of the Policy, who is not an assignee, can apply all or part of the Eligible Proceeds received upon the Insured's death to one or more Enhanced Payment Options (called "Enhanced Options") as described and limited below. This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. DEFINITIONS ELIGIBLE PROCEEDS. Eligible Proceeds equal: the portion of the Policy Proceeds for the Policy without any riders payable to a Beneficiary at the death of the Policy Insured, plus the portion of any proceeds provided by any rider attached to the Policy that states the proceeds are included in the Eligible Proceeds for this rider; less the Ineligible Proceeds. Ineligible Proceeds equal the total of all proceeds from policy changes that are ineligible for this benefit. Such proceeds will be stated on the Policy Specifications page for Policy Change. The Eligible Proceeds that can be applied to an Enhanced Option are subject to the Conditions below. ELIGIBLE DEATH BENEFITS. Eligible Death Benefits are used to calculate the cost of this Rider. Eligible Death Benefits are defined as follows: 1. Each portion of the Death Benefit of the Policy that is part of the Eligible Proceeds as of the date the Monthly Cost of Rider for this Rider is calculated. 2. The amount of benefit provided by any riders attached to the Policy that are part of the Eligible Proceeds as of the date the Monthly Cost of Rider for this Rider is calculated. OPTION DATE. The Option Date is the effective date of the Enhanced Option. MONTHLY COST OF RIDER The Monthly Cost of Rider for the following month is charged as part of the Monthly Deduction. The Monthly Cost of Rider is the total of: each portion of Eligible Death Benefit as described above; divided by $1,000; times the Monthly Cost of Rider Rate shown on the Policy Specifications page or Policy Specifications for Policy Change page for that portion of Eligible Death Benefit. The Monthly Cost of Rider will be determined based on each portion of Eligible Death Benefit in the order specified on the Policy Specifications page, up to the Maximum Applied Proceeds shown on the rider Policy Specifications page or the Policy Specifications for Policy Change page. We reserve the right to charge a lower Monthly Cost of Rider. CONDITIONS All or part of each Beneficiary's Eligible Proceeds can be applied to one or more Enhanced Options, subject to the following: 1. Total proceeds applied to the Enhanced Options upon the death of the Insured of the Policy cannot exceed the Maximum Applied Proceeds. If there is more than one Beneficiary under the Policy and the Policy Proceeds of the Policy are greater than the Maximum Applied Proceeds, each Beneficiary can only apply a pro-rated portion of his/her share to one or more Enhanced Options. The pro-rated share will be based on the same ratios under which the proceeds of the Policy were payable. 2. We must receive the choice of an Enhanced Option from the Beneficiary In Writing within the later of: 60 days from the date we send the Beneficiary the notification described in this Rider; and nine months from the date of death of the Insured. 3. Once payments begin under this Rider, future payments cannot be assigned and the Enhanced Options chosen cannot be changed.
4. If the Beneficiary is a corporation, a partnership, a fiduciary, or any other legal entity other than a natural person, the Rider and Rider charges will continue but the only Enhanced Option to be available will be the 10 Years Certain Option. However, if the Beneficiary is a trust with one natural person as Beneficiary, all Enhanced Options are available to be chosen. When an Enhanced Option starts, a contract will be issued by us or an affiliate designated by us that will describe the terms of the Option. DEATH OF BENEFICIARY Amounts to be paid after the death of a Beneficiary under an Enhanced Option will be paid as due to that Beneficiary's successor Beneficiary. If there is no successor Beneficiary, amounts will be paid in one sum to the estate of the last Beneficiary to die. If a Beneficiary dies within 30 days after the Option Date, the amount applied to the Enhanced Option, less any payments made, will be paid in one sum. NOTIFICATION We will send each Beneficiary a notification of his/her rights under this Rider at the time the Policy Proceeds become payable. ENHANCED LIFE INCOME OPTIONS Enhanced Life Income Options are based on the age and sex of the Beneficiary on the Option Date. We will require proof of age. The Enhanced Life Income payments will be based on: the rates shown in the Tables below; or, if greater, 105% of our Payment Option rates on the Option Date. If the rates at a given age are the same for different periods certain, the longest period certain will be deemed to have been chosen. ENHANCED 10 YEARS CERTAIN Equal monthly payments will be made that will include both principal and interest. Payments will start on the Option Date and will continue for 10 years. The guaranteed monthly payment per $1,000 of proceeds will be the greater of: $9.83; and 105% of the 10 Years Certain Payment Option rates on the Option Date. ENHANCED LIFE INCOME Equal monthly payments will start on the Option Date and will continue: 1. During the life of the Beneficiary, with no payment after the death of the Beneficiary, called "Enhanced Life Income, No Refund"; or 2. During the life of the Beneficiary, but for at least 10 years, called "Enhanced Life Income, 10 Years Certain"; or 3. During the life of the Beneficiary, but for at least 15 years, called "Enhanced Life Income, 15 Years Certain"; or 4. During the life of the Beneficiary, but for at least 20 years, called "Enhanced Life Income, 20 Years Certain." ENHANCED INCREASING Increasing monthly payments will start on the LIFE INCOME Option Date and will continue during the life of the Beneficiary, with no payment after the death of the Beneficiary. Payments will increase at: 1. 1% per year, called "1% Enhanced Increasing Life Income"; or 2. 2% per year, called "2% Enhanced Increasing Life Income"; or 3. 3% per year, called "3% Enhanced Increasing Life Income". ENHANCED INCREASING LIFE Increasing monthly payments will start on the INCOME - 10 YEARS CERTAIN Option Date and will continue during the life of the Beneficiary, but for at least 10 years. Payments will increase at: 1. 1% per year, called "1% Enhanced Increasing Life Income, 10 Years Certain"; or 2. 2% per year, called "2% Enhanced Increasing Life Income, 10 Years Certain"; or 3. 3% per year, called "3% Enhanced Increasing Life Income, 10 Years Certain". OTHER FREQUENCIES AND ENHANCED Other Enhanced Payment Options and payment OPTIONS frequencies may be available upon request. We reserve the right to substitute comparable Enhanced Payment Options for those shown below if there are regulatory changes that would cause unfavorable tax treatment. MINIMUM PAYMENTS UNDER Guaranteed monthly payments for each $1,000 ENHANCED PAYMENT OPTIONS applied will not be less than the amounts shown in the following Tables. On request, we will provide additional information about amounts of minimum payments.
ENHANCED LIFE INCOME
NO REFUND 10 YEAR CERTAIN 15 YEAR CERTAIN 20 YEAR CERTAIN PAYEE'S -------------- --------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.83 2.76 2.83 2.76 2.83 2.76 2.83 2.76 1 2.85 2.77 2.84 2.77 2.84 2.77 2.84 2.77 2 2.86 2.79 2.86 2.79 2.86 2.79 2.86 2.79 3 2.88 2.80 2.88 2.80 2.88 2.80 2.87 2.80 4 2.90 2.82 2.90 2.82 2.89 2.82 2.89 2.82 5 2.92 2.84 2.91 2.84 2.91 2.83 2.91 2.83 6 2.93 2.85 2.93 2.85 2.93 2.85 2.93 2.85 7 2.95 2.87 2.95 2.87 2.95 2.87 2.95 2.87 8 2.97 2.88 2.97 2.88 2.96 2.88 2.96 2.88 9 2.98 2.90 2.98 2.90 2.98 2.90 2.98 2.90 10 3.00 2.92 3.00 2.92 3.00 2.91 3.00 2.91 11 3.02 2.93 3.02 2.93 3.02 2.93 3.02 2.93 12 3.04 2.95 3.04 2.95 3.04 2.95 3.04 2.95 13 3.07 2.97 3.07 2.97 3.06 2.97 3.06 2.97 14 3.09 2.99 3.09 2.99 3.09 2.99 3.08 2.99 15 3.11 3.01 3.11 3.01 3.11 3.01 3.11 3.01 16 3.14 3.03 3.13 3.03 3.13 3.03 3.13 3.03 17 3.16 3.05 3.16 3.05 3.16 3.05 3.15 3.05 18 3.18 3.08 3.18 3.08 3.18 3.08 3.18 3.07 19 3.21 3.10 3.21 3.10 3.21 3.10 3.20 3.10 20 3.24 3.12 3.23 3.12 3.23 3.12 3.23 3.12 21 3.26 3.15 3.26 3.15 3.26 3.15 3.26 3.14 22 3.29 3.17 3.29 3.17 3.29 3.17 3.28 3.17 23 3.32 3.20 3.32 3.20 3.32 3.20 3.31 3.19 24 3.35 3.23 3.35 3.22 3.35 3.22 3.34 3.22 25 3.38 3.25 3.38 3.25 3.38 3.25 3.37 3.25 26 3.41 3.28 3.41 3.28 3.41 3.28 3.40 3.28 27 3.45 3.31 3.44 3.31 3.44 3.31 3.44 3.31 28 3.48 3.34 3.48 3.34 3.47 3.34 3.47 3.34 29 3.52 3.37 3.51 3.37 3.51 3.37 3.50 3.37 30 3.55 3.40 3.55 3.40 3.54 3.40 3.54 3.40 31 3.59 3.44 3.59 3.44 3.58 3.43 3.58 3.43 32 3.63 3.47 3.62 3.47 3.62 3.47 3.61 3.46 33 3.67 3.51 3.66 3.51 3.66 3.50 3.65 3.50 34 3.71 3.54 3.71 3.54 3.70 3.54 3.70 3.54 35 3.75 3.58 3.75 3.58 3.74 3.58 3.74 3.57 36 3.80 3.62 3.79 3.62 3.79 3.62 3.78 3.61 37 3.85 3.66 3.84 3.66 3.84 3.66 3.83 3.65 38 3.89 3.71 3.89 3.70 3.88 3.70 3.87 3.69 39 3.94 3.75 3.94 3.75 3.93 3.74 3.92 3.74 40 4.00 3.80 3.99 3.79 3.99 3.79 3.97 3.78 41 4.05 3.84 4.05 3.84 4.04 3.83 4.03 3.83 42 4.11 3.89 4.10 3.89 4.10 3.88 4.08 3.88 43 4.17 3.94 4.16 3.94 4.15 3.93 4.14 3.93 44 4.23 4.00 4.23 3.99 4.21 3.99 4.20 3.98 45 4.30 4.18 4.29 4.17 4.28 4.16 4.26 4.15 46 4.37 4.24 4.36 4.23 4.34 4.22 4.32 4.21 47 4.44 4.30 4.43 4.29 4.41 4.28 4.39 4.27 48 4.52 4.37 4.50 4.36 4.48 4.35 4.45 4.33 49 4.59 4.43 4.58 4.43 4.56 4.41 4.53 4.40
ENHANCED LIFE INCOME
NO REFUND 10 YEAR CERTAIN 15 YEAR CERTAIN 20 YEAR CERTAIN PAYEE'S -------------- --------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ ------ ------ 50 4.68 4.51 4.66 4.50 4.63 4.48 4.60 4.47 51 4.76 4.58 4.74 4.57 4.71 4.56 4.67 4.54 52 4.85 4.66 4.83 4.65 4.80 4.63 4.75 4.61 53 4.95 4.74 4.92 4.73 4.88 4.71 4.84 4.68 54 5.04 4.83 5.01 4.81 4.97 4.79 4.92 4.76 55 5.15 4.92 5.11 4.90 5.07 4.88 5.01 4.84 56 5.25 5.01 5.21 4.99 5.16 4.96 5.10 4.93 57 5.36 5.11 5.32 5.09 5.26 5.06 5.19 5.02 58 5.48 5.21 5.43 5.19 5.37 5.15 5.29 5.11 59 5.61 5.32 5.55 5.29 5.48 5.26 5.39 5.21 60 5.74 5.44 5.67 5.40 5.60 5.36 5.50 5.31 61 5.87 5.56 5.80 5.52 5.72 5.47 5.61 5.41 62 6.02 5.68 5.93 5.64 5.84 5.59 5.72 5.52 63 6.17 5.82 6.08 5.77 5.97 5.71 5.83 5.63 64 6.33 5.96 6.23 5.90 6.11 5.84 5.95 5.75 65 6.50 6.11 6.38 6.05 6.25 5.97 6.08 5.87 66 6.67 6.27 6.54 6.19 6.39 6.11 6.19 5.99 67 6.85 6.43 6.70 6.35 6.53 6.25 6.31 6.12 68 7.04 6.61 6.87 6.51 6.68 6.40 6.44 6.26 69 7.25 6.80 7.05 6.69 6.83 6.56 6.56 6.39 70 7.48 7.00 7.25 6.87 7.00 6.73 6.70 6.54 71 7.63 7.12 7.36 6.98 7.08 6.81 6.75 6.60 72 7.79 7.25 7.48 7.08 7.17 6.90 6.80 6.66 73 7.96 7.38 7.61 7.20 7.25 6.99 6.85 6.72 74 8.14 7.53 7.74 7.32 7.34 7.08 6.90 6.77 75 8.34 7.69 7.88 7.45 7.43 7.17 6.94 6.83 76 8.55 7.87 8.02 7.58 7.51 7.27 6.99 6.88 77 8.77 8.06 8.16 7.73 7.60 7.36 7.03 6.93 78 9.01 8.26 8.31 7.88 7.68 7.46 7.06 6.98 79 9.27 8.48 8.46 8.03 7.76 7.56 7.10 7.03 80 9.54 8.72 8.62 8.20 7.84 7.66 7.13 7.07 81 9.83 8.99 8.78 8.37 7.92 7.75 7.16 7.11 82 10.14 9.27 8.93 8.54 7.99 7.84 7.18 7.14 83 10.48 9.58 9.09 8.72 8.06 7.93 7.21 7.17 84 10.84 9.92 9.25 8.90 8.12 8.01 7.22 7.20 85 11.22 10.28 9.41 9.09 8.18 8.09 7.24 7.22 86 11.63 10.67 9.56 9.27 8.24 8.16 7.26 7.24 87 12.07 11.10 9.71 9.45 8.29 8.22 7.27 7.25 88 12.54 11.57 9.86 9.63 8.33 8.28 7.28 7.27 89 13.04 12.07 10.00 9.80 8.37 8.33 7.29 7.28 90 & over 13.58 12.62 10.13 9.96 8.41 8.37 7.29 7.29
ENHANCED INCREASING LIFE INCOME
1% 2% 3% PAYEE'S -------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ 0 2.11 2.07 1.51 1.47 1.02 0.98 1 2.13 2.08 1.52 1.48 1.03 0.99 2 2.15 2.09 1.54 1.49 1.04 1.00 3 2.17 2.10 1.55 1.50 1.05 1.01 4 2.19 2.11 1.56 1.51 1.07 1.02 5 2.21 2.12 1.58 1.52 1.08 1.03 6 2.22 2.14 1.60 1.53 1.09 1.04 7 2.25 2.16 1.62 1.54 1.10 1.05 8 2.26 2.17 1.64 1.55 1.11 1.06 9 2.28 2.19 1.66 1.57 1.13 1.07 10 2.30 2.21 1.68 1.59 1.14 1.09 11 2.32 2.23 1.70 1.61 1.15 1.10 12 2.34 2.25 1.72 1.63 1.17 1.11 13 2.37 2.27 1.75 1.65 1.18 1.12 14 2.39 2.29 1.77 1.67 1.20 1.14 15 2.41 2.31 1.79 1.69 1.23 1.15 16 2.44 2.33 1.82 1.72 1.25 1.16 17 2.46 2.36 1.85 1.74 1.27 1.18 18 2.49 2.38 1.87 1.76 1.30 1.20 19 2.52 2.41 1.90 1.79 1.33 1.23 20 2.54 2.43 1.93 1.81 1.35 1.25 21 2.57 2.46 1.96 1.84 1.38 1.27 22 2.60 2.48 1.98 1.87 1.41 1.30 23 2.63 2.51 2.02 1.89 1.44 1.33 24 2.66 2.54 2.05 1.92 1.47 1.35 25 2.70 2.57 2.08 1.95 1.50 1.38 26 2.73 2.60 2.11 1.98 1.53 1.41 27 2.76 2.63 2.15 2.01 1.56 1.44 28 2.80 2.66 2.18 2.04 1.60 1.47 29 2.83 2.69 2.22 2.08 1.63 1.50 30 2.87 2.72 2.26 2.11 1.67 1.53 31 2.91 2.76 2.30 2.15 1.71 1.57 32 2.95 2.79 2.34 2.18 1.75 1.60 33 2.99 2.83 2.38 2.22 1.79 1.64 34 3.04 2.87 2.42 2.26 1.83 1.67 35 3.08 2.91 2.47 2.30 1.87 1.71 36 3.13 2.95 2.51 2.34 1.92 1.75 37 3.17 2.99 2.56 2.38 1.96 1.79 38 3.22 3.03 2.61 2.42 2.01 1.84 39 3.28 3.08 2.66 2.47 2.06 1.88 40 3.33 3.13 2.72 2.52 2.11 1.93 41 3.39 3.18 2.77 2.56 2.17 1.97 42 3.44 3.23 2.83 2.62 2.23 2.02 43 3.51 3.28 2.89 2.67 2.29 2.07 44 3.57 3.33 2.95 2.72 2.35 2.13 45 3.64 3.51 3.02 2.89 2.41 2.28 46 3.71 3.57 3.09 2.95 2.48 2.34 47 3.78 3.63 3.16 3.01 2.55 2.40 48 3.85 3.70 3.24 3.08 2.62 2.47 49 3.93 3.77 3.32 3.15 2.70 2.53
ENHANCED INCREASING LIFE INCOME
1% 2% 3% PAYEE'S -------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ 50 4.02 3.84 3.40 3.22 2.78 2.60 51 4.10 3.92 3.48 3.30 2.86 2.68 52 4.19 3.99 3.57 3.37 2.95 2.76 53 4.29 4.08 3.67 3.46 3.04 2.84 54 4.38 4.16 3.77 3.54 3.14 2.92 55 4.49 4.25 3.87 3.63 3.24 3.01 56 4.59 4.35 3.97 3.73 3.34 3.10 57 4.71 4.45 4.09 3.83 3.45 3.20 58 4.83 4.55 4.20 3.93 3.57 3.30 59 4.95 4.66 4.33 4.04 3.69 3.41 60 5.08 4.78 4.46 4.16 3.82 3.52 61 5.22 4.90 4.59 4.28 3.95 3.64 62 5.36 5.03 4.74 4.41 4.09 3.77 63 5.51 5.16 4.89 4.54 4.24 3.90 64 5.67 5.30 5.05 4.68 4.40 4.04 65 5.85 5.46 5.22 4.83 4.57 4.19 66 6.02 5.61 5.39 4.99 4.74 4.35 67 6.20 5.78 5.57 5.16 4.92 4.51 68 6.39 5.96 5.76 5.33 5.11 4.69 69 6.60 6.15 5.97 5.52 5.31 4.87 70 6.83 6.35 6.20 5.72 5.54 5.07 71 6.98 6.47 6.35 5.85 5.69 5.20 72 7.14 6.60 6.51 5.98 5.85 5.34 73 7.31 6.74 6.69 6.13 6.03 5.48 74 7.50 6.89 6.87 6.28 6.21 5.64 75 7.69 7.06 7.07 6.45 6.41 5.80 76 7.90 7.23 7.28 6.62 6.63 5.98 77 8.13 7.43 7.51 6.82 6.85 6.18 78 8.37 7.63 7.75 7.03 7.09 6.39 79 8.63 7.86 8.01 7.25 7.35 6.61 80 8.90 8.10 8.28 7.50 7.62 6.86 81 9.19 8.37 8.57 7.76 7.91 7.12 82 9.51 8.65 8.89 8.05 8.22 7.41 83 9.84 8.96 9.22 8.36 8.56 7.72 84 10.20 9.30 9.58 8.69 8.92 8.05 85 10.59 9.66 9.96 9.06 9.30 8.42 86 11.00 10.06 10.37 9.45 9.71 8.81 87 11.44 10.48 10.81 9.88 10.14 9.23 88 11.91 10.95 11.28 10.34 10.61 9.70 89 12.41 11.45 11.78 10.85 11.11 10.20 90 & over 12.94 12.00 12.32 11.39 11.64 10.74
ENHANCED INCREASING LIFE INCOME - 10-YEARS CERTAIN
1% 2% 3% PAYEE'S -------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ 0 2.11 2.07 1.51 1.47 1.02 0.98 1 2.13 2.08 1.52 1.48 1.03 0.99 2 2.15 2.09 1.54 1.49 1.04 1.00 3 2.17 2.10 1.55 1.50 1.05 1.01 4 2.18 2.11 1.56 1.51 1.07 1.02 5 2.20 2.12 1.58 1.52 1.08 1.03 6 2.22 2.14 1.60 1.53 1.09 1.04 7 2.24 2.16 1.62 1.54 1.10 1.05 8 2.26 2.17 1.64 1.55 1.11 1.06 9 2.28 2.19 1.66 1.57 1.13 1.07 10 2.30 2.21 1.68 1.59 1.14 1.09 11 2.32 2.23 1.70 1.61 1.15 1.10 12 2.34 2.25 1.72 1.63 1.17 1.11 13 2.37 2.27 1.75 1.65 1.18 1.12 14 2.39 2.29 1.77 1.67 1.20 1.14 15 2.41 2.31 1.79 1.69 1.23 1.15 16 2.44 2.33 1.82 1.72 1.25 1.16 17 2.46 2.36 1.84 1.74 1.27 1.18 18 2.49 2.38 1.87 1.76 1.30 1.20 19 2.52 2.40 1.90 1.79 1.33 1.22 20 2.54 2.43 1.93 1.81 1.35 1.25 21 2.57 2.46 1.95 1.84 1.38 1.27 22 2.60 2.48 1.98 1.87 1.41 1.30 23 2.63 2.51 2.01 1.89 1.44 1.33 24 2.66 2.54 2.05 1.92 1.47 1.35 25 2.69 2.57 2.08 1.95 1.50 1.38 26 2.73 2.59 2.11 1.98 1.53 1.41 27 2.76 2.63 2.15 2.01 1.56 1.44 28 2.80 2.66 2.18 2.04 1.60 1.47 29 2.83 2.69 2.22 2.08 1.63 1.50 30 2.87 2.72 2.25 2.11 1.67 1.53 31 2.91 2.76 2.29 2.14 1.71 1.57 32 2.95 2.79 2.33 2.18 1.75 1.60 33 2.99 2.83 2.38 2.22 1.79 1.64 34 3.03 2.87 2.42 2.26 1.83 1.67 35 3.08 2.91 2.46 2.30 1.87 1.71 36 3.12 2.95 2.51 2.34 1.92 1.75 37 3.17 2.99 2.56 2.38 1.96 1.79 38 3.22 3.03 2.61 2.42 2.01 1.84 39 3.27 3.08 2.66 2.47 2.06 1.88 40 3.33 3.12 2.71 2.51 2.11 1.93 41 3.38 3.17 2.77 2.56 2.17 1.97 42 3.44 3.22 2.83 2.61 2.22 2.02 43 3.50 3.28 2.89 2.67 2.28 2.07 44 3.56 3.33 2.95 2.72 2.34 2.13 45 3.63 3.50 3.02 2.88 2.41 2.28 46 3.70 3.56 3.08 2.94 2.48 2.34 47 3.77 3.63 3.16 3.01 2.54 2.40 48 3.84 3.69 3.23 3.07 2.62 2.46 49 3.92 3.76 3.31 3.14 2.69 2.53
ENHANCED INCREASING LIFE INCOME - 10-YEARS CERTAIN
1% 2% 3% PAYEE'S -------------- --------------- --------------- AGE MALE FEMALE MALE FEMALE MALE FEMALE --------- ----- ------ ------ ------ ------ ------ 50 4.00 3.83 3.39 3.21 2.77 2.60 51 4.08 3.91 3.47 3.29 2.85 2.67 52 4.17 3.98 3.56 3.37 2.94 2.75 53 4.26 4.07 3.65 3.45 3.03 2.83 54 4.36 4.15 3.75 3.53 3.12 2.91 55 4.46 4.24 3.84 3.62 3.22 3.00 56 4.56 4.33 3.95 3.72 3.32 3.09 57 4.67 4.43 4.06 3.81 3.43 3.19 58 4.78 4.53 4.17 3.92 3.54 3.29 59 4.90 4.64 4.29 4.02 3.66 3.40 60 5.02 4.75 4.41 4.14 3.78 3.51 61 5.15 4.87 4.54 4.25 3.91 3.62 62 5.29 4.99 4.68 4.38 4.05 3.75 63 5.43 5.12 4.82 4.51 4.19 3.88 64 5.59 5.26 4.98 4.64 4.34 4.01 65 5.74 5.40 5.13 4.79 4.50 4.16 66 5.90 5.55 5.29 4.94 4.66 4.30 67 6.07 5.71 5.46 5.10 4.82 4.46 68 6.24 5.87 5.63 5.26 5.00 4.63 69 6.42 6.05 5.82 5.44 5.18 4.80 70 6.62 6.24 6.02 5.63 5.38 4.99 71 6.74 6.34 6.14 5.74 5.51 5.11 72 6.87 6.46 6.27 5.86 5.65 5.23 73 7.00 6.58 6.41 5.98 5.78 5.36 74 7.13 6.70 6.55 6.11 5.93 5.49 75 7.28 6.84 6.69 6.25 6.08 5.63 76 7.42 6.98 6.85 6.40 6.24 5.78 77 7.57 7.13 7.00 6.55 6.40 5.94 78 7.73 7.28 7.16 6.71 6.56 6.11 79 7.89 7.45 7.33 6.88 6.73 6.28 80 8.05 7.62 7.49 7.05 6.90 6.46 81 8.21 7.79 7.66 7.24 7.08 6.65 82 8.37 7.97 7.83 7.42 7.26 6.84 83 8.54 8.16 8.00 7.61 7.43 7.04 84 8.71 8.35 8.18 7.81 7.61 7.24 85 8.87 8.54 8.35 8.01 7.79 7.44 86 9.03 8.73 8.51 8.20 7.96 7.65 87 9.19 8.92 8.68 8.40 8.13 7.85 88 9.34 9.10 8.83 8.59 8.30 8.04 89 9.48 9.28 8.99 8.77 8.46 8.23 90 & over 9.62 9.45 9.13 8.95 8.61 8.42
TERMINATION This Rider will terminate upon the earliest of: 1. The date the Policy terminates for reasons other than the death of the Insured; 2. The date the Eligible Proceeds are decreased to less than the Minimum GSIB Amount shown on the Policy Specifications page or the Policy Specifications for Policy Change page; and 3. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and the Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary GUARANTEED SURVIVOR INCOME BENEFIT RIDER Metropolitan Life Insurance Company Subject to the conditions below, the Owner of this Policy can choose one or more Enhanced Payment Options for each Beneficiary, who is not an assignee, prior to the death of the Insured. If no Enhanced Payment Option has been chosen by the Owner, each Beneficiary of the Policy, who is not an assignee, can apply all or part of the Eligible Proceeds received upon the Insured's death to one or more Enhanced Payment Options (called "Enhanced Options") as described and limited below. This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. DEFINITIONS ELIGIBLE PROCEEDS. Eligible Proceeds equal: the portion of the Policy Proceeds for the Policy without any riders payable to a Beneficiary at the death of the Policy Insured, plus the portion of any proceeds provided by any rider attached to the Policy that states the proceeds are included in the Eligible Proceeds for this rider; less the Ineligible Proceeds. Ineligible Proceeds equal the total of all proceeds from policy changes that are ineligible for this benefit. Such proceeds will be stated on the Policy Specifications page for Policy Change. The Eligible Proceeds that can be applied to an Enhanced Option are subject to the Conditions below. ELIGIBLE DEATH BENEFITS. Eligible Death Benefits are used to calculate the cost of this Rider. Eligible Death Benefits are defined as follows: 1. Each portion of the Death Benefit of the Policy that is part of the Eligible Proceeds as of the date the Monthly Cost of Rider for this Rider is calculated. 2. The amount of benefit provided by any riders attached to the Policy that are part of the Eligible Proceeds as of the date the Monthly Cost of Rider for this Rider is calculated. OPTION DATE. The Option Date is the effective date of the Enhanced Option. MONTHLY COST OF RIDER The Monthly Cost of Rider for the following month is charged as part of the Monthly Deduction. The Monthly Cost of Rider is the total of: each portion of Eligible Death Benefit as described above; divided by $1,000; times the Monthly Cost of Rider Rate shown on the Policy Specifications page or Policy Specifications for Policy Change page for that portion of Eligible Death Benefit. The Monthly Cost of Rider will be determined based on each portion of Eligible Death Benefit in the order specified on the Policy Specifications page, up to the Maximum Applied Proceeds shown on the rider Policy Specifications page or the Policy Specifications for Policy Change page. We reserve the right to charge a lower Monthly Cost of Rider. CONDITIONS All or part of each Beneficiary's Eligible Proceeds can be applied to one or more Enhanced Options, subject to the following: 1. Total proceeds applied to the Enhanced Options upon the death of the Insured of the Policy cannot exceed the Maximum Applied Proceeds. If there is more than one Beneficiary under the Policy and the Policy Proceeds of the Policy are greater than the Maximum Applied Proceeds, each Beneficiary can only apply a pro-rated portion of his/her share to one or more Enhanced Options. The pro-rated share will be based on the same ratios under which the proceeds of the Policy were payable. 2. We must receive the choice of an Enhanced Option from the Beneficiary In Writing within the later of: 60 days from the date we send the Beneficiary the notification described in this Rider; and nine months from the date of death of the Insured. 3. Once payments begin under this Rider, future payments cannot be assigned and the Enhanced Options chosen cannot be changed.
4. If the Beneficiary is a corporation, a partnership, a fiduciary, or any other legal entity other than a natural person, the Rider and Rider charges will continue but the only Enhanced Option to be available will be the 10 Years Certain Option. However, if the Beneficiary is a trust with one natural person as Beneficiary, all Enhanced Options are available to be chosen. When an Enhanced Option starts, a contract will be issued by us or an affiliate designated by us that will describe the terms of the Option. DEATH OF BENEFICIARY Amounts to be paid after the death of a Beneficiary under an Enhanced Option will be paid as due to that Beneficiary's successor Beneficiary. If there is no successor Beneficiary, amounts will be paid in one sum to the estate of the last Beneficiary to die. If a Beneficiary dies within 30 days after the Option Date, the amount applied to the Enhanced Option, less any payments made, will be paid in one sum. NOTIFICATION We will send each Beneficiary a notification of his/her rights under this Rider at the time the Policy Proceeds become payable. ENHANCED LIFE INCOME OPTIONS Enhanced Life Income Options are based on the age of the Beneficiary on the Option Date. We will require proof of age. The Enhanced Life Income payments will be based on: the rates shown in the Tables below; or, if greater, 105% of our Payment Option rates on the Option Date. If the rates at a given age are the same for different periods certain, the longest period certain will be deemed to have been chosen. ENHANCED 10 YEARS CERTAIN Equal monthly payments will be made that will include both principal and interest. Payments will start on the Option Date and will continue for 10 years. The guaranteed monthly payment per $1,000 of proceeds will be the greater of: $9.83; and 105% of the 10 Years Certain Payment Option rates on the Option Date. ENHANCED LIFE INCOME Equal monthly payments will start on the Option Date and will continue: 1. During the life of the Beneficiary, with no payment after the death of the Beneficiary, called "Enhanced Life Income, No Refund"; or 2. During the life of the Beneficiary, but for at least 10 years, called "Enhanced Life Income, 10 Years Certain"; or 3. During the life of the Beneficiary, but for at least 15 years, called "Enhanced Life Income, 15 Years Certain"; or 4. During the life of the Beneficiary, but for at least 20 years, called "Enhanced Life Income, 20 Years Certain." ENHANCED INCREASING LIFE Increasing monthly payments will start on the INCOME Option Date and will continue during the life of the Beneficiary, with no payment after the death of the Beneficiary. Payments will increase at: 1. 1% per year, called "1% Enhanced Increasing Life Income"; or 2. 2% per year, called "2% Enhanced Increasing Life Income"; or 3. 3% per year, called "3% Enhanced Increasing Life Income". ENHANCED INCREASING LIFE Increasing monthly payments will start on the INCOME - 10 YEARS CERTAIN Option Date and will continue during the life of the Beneficiary, but for at least 10 years. Payments will increase at: 1. 1% per year, called "1% Enhanced Increasing Life Income, 10 Years Certain"; or 2. 2% per year, called "2% Enhanced Increasing Life Income, 10 Years Certain"; or 3. 3% per year, called "3% Enhanced Increasing Life Income, 10 Years Certain". OTHER FREQUENCIES AND ENHANCED Other Enhanced Payment Options and payment OPTIONS frequencies may be available upon request. We reserve the right to substitute comparable Enhanced Payment Options for those shown below if there are regulatory changes that would cause unfavorable tax treatment. MINIMUM PAYMENTS UNDER Guaranteed monthly payments for each $ 1,000 ENHANCED PAYMENT OPTIONS applied will not be less than the amounts shown in the following Tables. On request, we will provide additional information about amounts of minimum payments.
ENHANCED LIFE INCOME
PAYEE'S NO REFUND 10 YEAR CERTAIN 15 YEAR CERTAIN 20 YEAR CERTAIN AGE UNISEX UNISEX UNISEX UNISEX ------- --------- --------------- --------------- --------------- 0 2.77 2.77 2.77 2.77 1 2.79 2.79 2.79 2.79 2 2.80 2.80 2.80 2.80 3 2.82 2.82 2.82 2.82 4 2.84 2.83 2.83 2.83 5 2.85 2.85 2.85 2.85 6 2.87 2.87 2.87 2.86 7 2.89 2.88 2.88 2.88 8 2.90 2.90 2.90 2.90 9 2.92 2.91 2.91 2.91 10 2.93 2.93 2.93 2.93 11 2.95 2.95 2.95 2.95 12 2.97 2.97 2.97 2.97 13 2.99 2.99 2.99 2.99 14 3.01 3.01 3.01 3.01 15 3.03 3.03 3.03 3.03 16 3.05 3.05 3.05 3.05 17 3.08 3.07 3.07 3.07 18 3.10 3.10 3.10 3.09 19 3.12 3.12 3.12 3.12 20 3.15 3.15 3.14 3.14 21 3.17 3.17 3.17 3.17 22 3.20 3.20 3.19 3.19 23 3.22 3.22 3.22 3.22 24 3.25 3.25 3.25 3.25 25 3.28 3.28 3.28 3.27 26 3.31 3.31 3.30 3.30 27 3.34 3.34 3.33 3.33 28 3.37 3.37 3.36 3.36 29 3.40 3.40 3.40 3.39 30 3.43 3.43 3.43 3.43 31 3.47 3.47 3.46 3.46 32 3.50 3.50 3.50 3.49 33 3.54 3.54 3.53 3.53 34 3.58 3.57 3.57 3.57 35 3.62 3.61 3.61 3.61 36 3.66 3.65 3.65 3.65 37 3.70 3.70 3.69 3.69 38 3.74 3.74 3.74 3.73 39 3.79 3.78 3.78 3.77 40 3.84 3.83 3.83 3.82 41 3.88 3.88 3.88 3.87 42 3.94 3.93 3.93 3.92 43 3.99 3.98 3.98 3.97 44 4.04 4.04 4.03 4.02 45 4.20 4.20 4.19 4.18 46 4.26 4.26 4.25 4.23 47 4.33 4.32 4.31 4.29 48 4.40 4.39 4.38 4.36 49 4.47 4.46 4.44 4.42
ENHANCED LIFE INCOME
PAYEE'S NO REFUND 10 YEAR CERTAIN 15 YEAR CERTAIN 20 YEAR CERTAIN AGE UNISEX UNISEX UNISEX UNISEX --------- --------- --------------- --------------- --------------- 50 4.54 4.53 4.51 4.49 51 4.62 4.60 4.59 4.56 52 4.70 4.68 4.66 4.64 53 4.78 4.76 4.74 4.71 54 4.87 4.85 4.83 4.79 55 4.96 4.94 4.91 4.88 56 5.06 5.03 5.00 4.96 57 5.16 5.13 5.10 5.05 58 5.27 5.23 5.20 5.15 59 5.38 5.34 5.30 5.24 60 5.49 5.46 5.41 5.34 61 5.62 5.57 5.52 5.45 62 5.75 5.70 5.64 5.56 63 5.89 5.83 5.76 5.67 64 6.03 5.97 5.89 5.79 65 6.19 6.11 6.03 5.91 66 6.35 6.26 6.16 6.03 67 6.52 6.42 6.31 6.16 68 6.70 6.59 6.46 6.29 69 6.89 6.76 6.62 6.43 70 7.09 6.95 6.78 6.57 71 7.22 7.06 6.87 6.63 72 7.36 7.17 6.95 6.69 73 7.50 7.28 7.04 6.74 74 7.65 7.41 7.13 6.80 75 7.82 7.54 7.23 6.85 76 8.00 7.67 7.32 6.91 77 8.20 7.82 7.41 6.95 78 8.41 7.97 7.51 7.00 79 8.64 8.12 7.60 7.04 80 8.89 8.28 7.70 7.08 81 9.15 8.45 7.79 7.12 82 9.44 8.62 7.87 7.15 83 9.76 8.80 7.96 7.18 84 10.10 8.98 8.03 7.20 85 10.46 9.15 8.11 7.22 86 10.86 9.33 8.17 7.24 87 11.29 9.51 8.23 7.26 88 11.76 9.68 8.29 7.27 89 12.26 9.84 8.34 7.28 90 & over 12.81 9.99 8.38 7.29
ENHANCED INCREASING LIFE INCOME
PAYEE'S 1% 2% 3% AGE UNISEX UNISEX UNISEX --------- --------- --------------- --------------- 0 2.08 1.48 0.99 1 2.09 1.49 1.00 2 2.10 1.50 1.01 3 2.11 1.51 1.02 4 2.12 1.52 1.03 5 2.14 1.53 1.04 6 2.16 1.54 1.05 7 2.18 1.55 1.06 8 2.19 1.57 1.07 9 2.21 1.59 1.08 10 2.23 1.61 1.10 11 2.25 1.63 1.11 12 2.27 1.65 1.12 13 2.29 1.67 1.14 14 2.31 1.69 1.15 15 2.33 1.71 1.16 16 2.36 1.74 1.18 17 2.38 1.76 1.20 18 2.40 1.79 1.22 19 2.43 1.81 1.25 20 2.45 1.84 1.27 21 2.48 1.86 1.30 22 2.51 1.89 1.32 23 2.53 1.92 1.35 24 2.56 1.95 1.38 25 2.59 1.98 1.40 26 2.62 2.01 1.43 27 2.65 2.04 1.46 28 2.69 2.07 1.50 29 2.72 2.11 1.53 30 2.75 2.14 1.56 31 2.79 2.18 1.60 32 2.82 2.21 1.63 33 2.86 2.25 1.67 34 2.90 2.29 1.71 35 2.94 2.33 1.74 36 2.98 2.37 1.79 37 3.03 2.42 1.83 38 3.07 2.46 1.87 39 3.12 2.51 1.92 40 3.17 2.56 1.96 41 3.22 2.61 2.01 42 3.27 2.66 2.06 43 3.32 2.71 2.12 44 3.38 2.77 2.17 45 3.53 2.91 2.30 46 3.59 2.98 2.37 47 3.66 3.04 2.43 48 3.73 3.11 2.50 49 3.80 3.18 2.57
ENHANCED INCREASING LIFE INCOME
PAYEE'S 1% 2% 3% AGE UNISEX UNISEX UNISEX --------- --------- --------------- --------------- 50 3.87 3.26 2.64 51 3.95 3.33 2.72 52 4.03 3.41 2.79 53 4.12 3.50 2.88 54 4.21 3.59 2.96 55 4.30 3.68 3.06 56 4.40 3.78 3.15 57 4.50 3.88 3.25 58 4.61 3.99 3.36 59 4.72 4.10 3.47 60 4.84 4.22 3.58 61 4.96 4.34 3.71 62 5.09 4.47 3.83 63 5.23 4.61 3.97 64 5.38 4.76 4.11 65 5.53 4.91 4.27 66 5.69 5.07 4.42 67 5.86 5.24 4.59 68 6.04 5.42 4.77 69 6.24 5.61 4.96 70 6.44 5.82 5.16 71 6.57 5.95 5.30 72 6.71 6.09 5.44 73 6.86 6.24 5.59 74 7.01 6.40 5.75 75 7.18 6.57 5.92 76 7.37 6.76 6.11 77 7.57 6.95 6.31 78 7.78 7.17 6.53 79 8.01 7.40 6.76 80 8.26 7.65 7.01 81 8.53 7.92 7.28 82 8.82 8.21 7.57 83 9.13 8.53 7.88 84 9.47 8.87 8.22 85 9.84 9.24 8.59 86 10.24 9.63 8.98 87 10.67 10.06 9.41 88 11.14 10.53 9.88 89 11.64 11.03 10.38 90 & over 12.19 11.57 10.92
ENHANCED INCREASING LIFE INCOME - 10-YEARS CERTAIN
PAYEE'S 1% 2% 3% AGE UNISEX UNISEX UNISEX --------- --------- --------------- --------------- 0 2.08 1.48 0.99 1 2.09 1.49 1.00 2 2.10 1.50 1.01 3 2.11 1.51 1.02 4 2.12 1.52 1.03 5 2.14 1.53 1.04 6 2.16 1.54 1.05 7 2.18 1.55 1.06 8 2.19 1.57 1.07 9 2.21 1.59 1.08 10 2.23 1.61 1.10 11 2.25 1.63 1.11 12 2.27 1.65 1.12 13 2.29 1.67 1.14 14 2.31 1.69 1.15 15 2.33 1.71 1.16 16 2.35 1.74 1.18 17 2.38 1.76 1.20 18 2.40 1.79 1.22 19 2.43 1.81 1.25 20 2.45 1.84 1.27 21 2.48 1.86 1.29 22 2.51 1.89 1.32 23 2.53 1.92 1.35 24 2.56 1.95 1.38 25 2.59 1.98 1.40 26 2.62 2.01 1.43 27 2.65 2.04 1.46 28 2.68 2.07 1.49 29 2.72 2.10 1.53 30 2.75 2.14 1.56 31 2.79 2.17 1.59 32 2.82 2.21 1.63 33 2.86 2.25 1.67 34 2.90 2.29 1.70 35 2.94 2.33 1.74 36 2.98 2.37 1.78 37 3.02 2.41 1.83 38 3.07 2.46 1.87 39 3.12 2.51 1.92 40 3.16 2.55 1.96 41 3.21 2.60 2.01 42 3.27 2.66 2.06 43 3.32 2.71 2.12 44 3.38 2.77 2.17 45 3.53 2.91 2.30 46 3.59 2.97 2.36 47 3.65 3.04 2.43 48 3.72 3.11 2.49 49 3.79 3.18 2.56
ENHANCED INCREASING LIFE INCOME - 10-YEARS CERTAIN
PAYEE'S 1% 2% 3% AGE UNISEX UNISEX UNISEX --------- --------- --------------- --------------- 50 3.87 3.25 2.63 51 3.94 3.33 2.71 52 4.02 3.41 2.79 53 4.11 3.49 2.87 54 4.19 3.58 2.96 55 4.28 3.67 3.05 56 4.38 3.76 3.14 57 4.48 3.86 3.24 58 4.58 3.97 3.34 59 4.69 4.08 3.45 60 4.81 4.19 3.56 61 4.93 4.31 3.68 62 5.05 4.44 3.81 63 5.18 4.57 3.94 64 5.32 4.71 4.08 65 5.47 4.86 4.22 66 5.62 5.01 4.37 67 5.78 5.17 4.53 68 5.95 5.34 4.70 69 6.12 5.51 4.88 70 6.31 5.70 5.07 71 6.43 5.82 5.19 72 6.54 5.94 5.31 73 6.66 6.07 5.44 74 6.79 6.20 5.58 75 6.93 6.34 5.72 76 7.07 6.49 5.88 77 7.22 6.64 6.03 78 7.37 6.80 6.20 79 7.54 6.97 6.37 80 7.71 7.14 6.55 81 7.88 7.32 6.74 82 8.06 7.51 6.93 83 8.24 7.70 7.12 84 8.42 7.89 7.32 85 8.61 8.08 7.51 86 8.79 8.27 7.71 87 8.97 8.46 7.91 88 9.15 8.64 8.10 89 9.32 8.82 8.28 90 & over 9.48 8.99 8.46
TERMINATION This Rider will terminate upon the earliest of: 1. The date the Policy terminates for reasons other than the death of the Insured; 2. The date the Eligible Proceeds are decreased to less than the Minimum GSIB Amount shown on the Policy Specifications page or the Policy Specifications for Policy Change page; and 3. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and the Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary OPTIONS TO PURCHASE ADDITIONAL INSURANCE COVERAGE RIDER Metropolitan Life Insurance Company This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. PURCHASE OF ADDITIONAL LIFE Additional life insurance on the Insured can be INSURANCE COVERAGE purchased without proof of insurability on each Purchase Option Date shown on the Rider Specifications for Options to Purchase Additional Insurance Coverage Rider (called "Rider Specifications"). You will choose whether the additional insurance is provided in the form of: an increase in Face Amount for the Policy, unless a benefit is being paid under a waiver rider that is a part of the Policy; or a new policy. See Increase in Face Amount and The New Policy provisions below for details. Application for the additional insurance must be In Writing, signed by you and by the Insured and received by us at our Designated Office within 60 days of the Purchase Option Date. MINIMUM OPTION AMOUNT The Minimum Option Amount is shown on the Rider Specifications page. MAXIMUM OPTION AMOUNT The Maximum Option Amount is the maximum amount of additional life insurance that can be purchased on each Purchase Option Date subject to the Maximum Total Option Amount below. The Maximum Option Amount is shown on the Rider Specifications page. You may purchase less than the Maximum Option Amount on any Purchase Option Date. Any portion of the Maximum Option Amount not purchased within 60 days of a Purchase Option Date will be forfeited. MAXIMUM TOTAL OPTION AMOUNT The Maximum Total Option Amount is the lesser of: 1. The number of Purchase Option Dates shown on the Rider Specifications page times the Maximum Option Amount shown on the Rider Specifications page; and 2. $[1,000,000]. PURCHASE OPTION DATES The Purchase Option Dates are shown on the Rider Specifications page. ADVANCEMENT OF PURCHASE OPTION After the second rider year, you can elect to DATES advance the next available Purchase Option Date to the date on which any of the following qualifying events occurs: 1. A child is born alive to the Insured; 2. A child under 21 is legally adopted by the Insured; 3. A home or other real estate is purchased by the Insured; 4. The Insured marries; 5. The Insured divorces; or 6. The Insured's spouse dies. Your election to advance the Purchase Option Date must be made within 60 days after the qualifying event occurs, We may require proof of the qualifying event In Writing.
INCREASE IN FACE AMOUNT The increase will take effect on the Purchase Option Date subject to the Change in Face Amount provision of the Policy, except that proof of insurability will not be required. The underwriting class for the increase in Face Amount will be based on the Risk Classification Basis for Purchase Options shown on the Rider Specifications page. The Contestable and Suicide periods of each increase issued under this Rider will be measured from the Issue Date of this Rider. An increase In Face Amount will not be allowed if a benefit is being paid under a waiver rider that is a part of the Policy. THE NEW POLICY The new policy will be issued: 1. With the same Insured as this Rider; 2. With the same underwriting class as the Risk Classification Basis for Purchase Options shown on the Rider Specifications page, or the class we determine is the closest to it if that class is not offered on the new policy; 3. Subject to any assignments and limitations to which this Rider is subject; 4. By us or by an affiliate designated by us; 5. On a plan agreed to by the issuing company, to the extent available for sale by us on the date the option is exercised and subject to any limitations under Federal income tax and other applicable rules; 6. At the then current age of the Insured as calculated for that plan of insurance by the issuing company; 7. On a policy form and at rates in use by the issuing company on the policy date of the new policy; and 8. With a policy date and issue date the same as the Purchase Option Date. The new policy will take effect as of the Purchase Option Date if the Insured is living when the new policy is issued. The new policy will be issued no later than 60 days after the Purchase Option Date. The contestable and suicide periods of each new policy issued under this Rider will be measured from the Issue Date of this Rider. Riders can be attached to a new policy only with our consent. MONTHLY COST OF INSURANCE The Monthly Cost of Insurance Rate for this RATES Rider is based on the Insured's Rider issue age, Rider risk classification and sex. Monthly Cost of Insurance Rates will be determined by us based on our expectations as to future mortality, tax, interest earnings, expense and persistency experience. We will not adjust such rates as a means of recovering prior losses nor as a means of distributing prior profits. These rates will not exceed those shown in the Table of Guaranteed Maximum Monthly Cost of Insurance Rates per $1,000 on the attached Rider Specifications page.
TERMINATION This Rider will terminate on the earliest of: 1. The date the Policy lapses; 2. The date the Policy terminates; 3. The date the last Option is exercised; 4. When the total amount of coverage issued under this Rider equals the Maximum Total Option Amount; 5. 60 days after the final Purchase Option Date; and 6. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and the Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary RIDER SPECIFICATIONS FOR OPTION TO PURCHASE ADDITIONAL INSURANCE COVERAGE RIDER INSURED: [JOHN DOE] POLICY NUMBER: [SPECIMEN] AGE: [35] MINIMUM OPTION AMOUNT: [$10,000] MAXIMUM OPTION AMOUNT: [$100,000] RISK CLASSIFICATION BASIS FOR PURCHASE OPTIONS: [STANDARD] PURCHASE OPTION DATES: [11/1/2011] [11/1/2016] [11/1/2021]
TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1,000
ATTAINED AGE RATE -------- ----- [35 0.104 36 0.104 37 0.104 38 0.104 39 0.104 40 0.104 41 0.104 42 0.104 43 0.104 44 0.104 45 0.104 46 0.104 47 0.104 48 0.104 49 0.104]
These rates are for the Options to Purchase Additional Insurance Coverage Rider as of the Issue Date. They are based on the Basis of Computation of Minimum Cash Values table shown on the Policy Specifications page or Policy Specifications for Policy Change page. OVERLOAN PROTECTION RIDER Metropolitan Life Insurance Company This Rider is a part of the Policy if it is listed on the Policy Specifications page or on the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made a part of this Rider. OVERLOAN PROTECTION BENEFIT When the Overloan Protection Benefit is active, the Policy will not lapse. The Death Benefit will be reduced by the Policy Loan Balance. ACTIVATION OF THIS BENEFIT While this Rider is in force, we will send you a notification that you can choose to activate the Overloan Protection Benefit if the following conditions have been met: 1. The Policy has been in force for at least 15 policy years; 2. The Insured is at least Attained Age 75 (if this Rider is attached to a survivorship policy, the younger Insured must be at least Age 75), 3. The Policy Loan Balance is greater than both: a. The Face Amount of the Policy; and b. The Cash Value times the Minimum Percentage shown on the Rider Specifications page; and 4. On the date we receive your request In Writing to activate this Rider, the Policy Loan Balance is less than or equal to the Maximum Percentage shown on the Rider Specifications page times: the Cash Value less the surrender charge and the Rider Charge; 5. The aggregate amount of premiums paid for the Policy, less the aggregate amount received under the Policy to the extent that such amount was excludable from gross income, have been withdrawn; 6. The Death Benefit Option in effect on the date we receive your request In Writing to activate this Rider must be Option A; 7. The Cash Value less the Surrender Charge must be sufficient to cover the Rider Charge described below; and 8. The Policy is not a Modified Endowment Contract as defined in Section 7702A of the Internal Revenue Code of 1986, and the exercise of the Rider would not cause the Policy to become a Modified Endowment Contract. If you want to activate this Rider, you must make a request In Writing within 30 days after we mail the notification. EFFECT ON THE POLICY Activating the Overloan Protection Benefit will have the following effects on the Policy: 1. The Cash Value in the Investment Divisions will immediately be transferred to the Fixed Account, with no Transfer Processing Charge; 2. Transfers from the Fixed Account will not be allowed; 3. Policy changes will not be allowed; 4. Premium payments will not be accepted; 5. New loans (other than capitalized interest), partial withdrawals and surrenders will not be allowed; 6. No further Monthly Deductions will be taken; 7. All other riders that are a part of the Policy will be terminated, and new riders cannot be added to the Policy.
RIDER CHARGE There is no charge for this Rider before you activate it. A one-time non-refundable charge will be deducted from the Cash Value when this Rider is activated prior to Attained Age 100. The charge equals: the Cash Value on the date we receive your request In Writing to activate this Rider; times the Overloan Protection Rate shown on the Rider Specifications page. DEACTIVATION OF THIS BENEFIT You can deactivate this Rider by making a request In Writing. On the date we receive your request In Writing, any riders that were terminated will remain terminated, and no new riders can be added to the Policy. Any other changes that were made to the Policy as a result of activating this Rider will no longer apply. Monthly Deductions will be taken on each monthly anniversary following the date of deactivation. You can subsequently request activation of this Rider. Activation is subject to the conditions listed in the "Activation of this Benefit" provision. TERMINATION This Rider will terminate upon the earlier of: 1. The termination of the Policy; and 2. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary RIDER SPECIFICATIONS FOR OVERLOAN PROTECTION RIDER INSURED: [JOHN DOE] POLICY NUMBER: [SPECIMEN] RISK CLASSIFICATION: [STANDARD SMOKER] MINIMUM PERCENTAGE: [95.00%] MAXIMUM PERCENTAGE: [99.50%] OVERLOAN PROTECTION RATE: [3.50%]
WAIVER OF MONTHLY DEDUCTION RIDER Metropolitan Life Insurance Company THE PERIOD OF INCONTESTABILITY FOR THIS RIDER IS DIFFERENT FROM THAT IN THE POLICY AND BEGINS ON THE ISSUE DATE OF THIS RIDER (SEE THE INCONTESTABILITY PROVISION BELOW). This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications for Policy Change page. A copy of the application for this Rider is attached to and made part of the Rider. WAIVER OF MONTHLY DEDUCTION We will waive the Monthly Deductions for the BENEFIT Policy if: 1. You furnish us with proof In Writing that the Insured is totally disabled, as defined in this Rider; 2. The Insured becomes disabled after age 5 and before age 65; 3. Disability has continued without interruption for at least six months; and 4. This Rider is in force. Monthly Deductions for the Policy will be waived as follows: DISABILITY STARTING BEFORE AGE 60. If the Insured's disability begins before age 60, we will waive Monthly Deductions that were due during the six months of uninterrupted disability. After that, we will continue to waive Monthly Deductions. However, the Insured must continue to be totally disabled. DISABILITY STARTING BETWEEN AGES 60 AND 65. If the Insured's disability begins on or after age 60 but before age 65, we will waive Monthly Deductions that were due during the six months of uninterrupted disability. We will continue to waive Monthly Deductions after that, but no later than age 65. However, the Insured must continue to be totally disabled. DEFINITION OF AGE 5, AGE 60, "Age 5," "Age 60," and "Age 65" begin on the AND AGE 65 policy anniversary nearest the Insured's 5th, 60th, and 65th birthdays, respectively. INCREASE IN WAIVER COVERAGE Coverage under this Rider can be increased, subject to our underwriting rules, if the Face Amount of the Policy is increased and if the Insured is not totally disabled. The increase in waiver coverage is subject to: 1. The terms for a Requested Increase as stated in the Change in Face Amount provision of the Policy; 2. Our limits for Waiver of Monthly Deduction benefits; and 3. An increase in the Cost of Rider. Application to increase the Face Amount of the Policy will also be deemed to be application to increase waiver coverage under this Rider, unless otherwise stated. MONTHLY COST OF RIDER The Monthly Cost of Rider for the following month is charged as part of the Monthly Deduction. The Monthly Cost of Rider is calculated as (1) times (2) where: (1) Is the Monthly Cost of Rider Rate for this Rider; and (2) Is the Monthly Deduction for the Policy, not including the cost of this Rider, divided by 100. The Monthly Cost of Rider Rate for this benefit is based on the Insured's Attained Age and risk classification. Rates for this Rider will not exceed those shown in the Table of Guaranteed Maximum Monthly Cost of Rider Rates per $100 on the attached Rider Specifications for Waiver of Monthly Deduction Rider.
TOTAL DISABILITY "Total Disability" means the inability of the Insured to perform the substantial and material duties of his or her regular occupation. Such disability must be the result of an accidental bodily injury or a sickness. However, after this period of disability has continued for 60 months, the Insured will be deemed to be totally disabled only if he or she is unable to perform the substantial and material duties of any occupation for which he or she is reasonably fitted by education, training or experience. "Performing substantial and material duties" includes attending school or college as a full time student, if that was the main occupation of the Insured when the disability started. If after this Rider becomes effective, the Insured suffers the total and irrecoverable loss of: 1. The sight in both eyes; 2. The use of both hands or both feet; or 3. The use of one hand and one foot; this will be considered total disability as defined in this Rider. Upon such a loss the Insured will still be considered disabled even though working at an occupation. RECURRENT TOTAL DISABILITY If, while the Policy and Rider are in force, the Insured becomes disabled again after having been totally disabled before, the new disability will be considered a continuation of the previous period unless: 1. It is due to an entirely different cause; or 2. The Insured has performed all of the material and substantial duties of a gainful occupation for a continuous period of six months or more between such periods of total disability. EXCLUSION No Monthly Deductions will be waived under this Rider for disability resulting from: 1. Any bodily injury which occurred or disease which first manifested itself before the Issue Date of this Rider if total disability begins within two years after the Issue Date of the Rider; or 2. Intentionally self-inflicted injury or disease. NOTICE OF CLAIM AND PROOF OF Before we waive any Monthly Deductions, you DISABILITY must provide: 1. Notice of claim for this benefit during the lifetime of the Insured. This notice must be submitted during the continuance of total disability; and 2. Proof of total disability within six months after you provide notice of claim. In no event should this proof be submitted later than the date when any of the following events first occurs: a. One year after age 65 of the Insured; b. Surrender of the Policy; and c. One year from the due date of the first unpaid Monthly Deduction, except in the absence of legal capacity. Failure to give such notice and proof within the time allowed will not void the claim. We will consider the claim if you show us that it was not reasonably possible to file notice and proof on time. However, you must file notice and proof as soon as reasonably possible. In no event will any Monthly Deduction be waived or refunded if its due date was more than one year before you provided notice of the claim. We will require no further proof of disability and we will automatically waive all further Monthly Deductions if: 1. The Insured is totally disabled at age 65; and 2. All Monthly Deductions for at least the five years preceding age 65 have been waived.
EXAMINATION OF THE INSURED AND We have the right to have the Insured medically PROOF OF CONTINUED DISABILITY examined by our appointed examiner. Such exam will be at our expense. We also have the right to require proof of continuance of disability In Writing from the Insured at the following times: 1. After receipt of notice of claim; 2. At reasonable intervals within two years after we receive proof of total disability; and 3. Not more than once each year after the first two years. We will not waive any further Monthly Deductions if the Insured refuses to be medically examined, nor will we waive further Monthly Deductions if proof of continuance of disability is not furnished when we request it, unless it was not reasonably possible for you to provide proof. However, you must provide proof of continuance of disability as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time we request it. INCONTESTABILITY We cannot contest this Rider with respect to material misrepresentations made in the application after it has been in force during the lifetime of the Insured, excluding any period the Insured is totally disabled: 1. With respect to the original waiver coverage under this Rider, for two years from the Issue Date of this Rider; and 2. With respect to each increase in waiver coverage under this Rider, for two years from the effective date of each increase in Face Amount under the Policy. GENERAL PROVISIONS If the Insured becomes totally disabled during the Grace Period and becomes eligible for the Waiver of Monthly Deduction Benefit, we will waive the Monthly Deductions that were due during the Grace Period. TERMINATION This Rider will terminate on the first of the following events to occur: 1. Attained Age 65 of the Insured, except with respect to payment of any benefits for total disability occurring before Attained Age 65; 2. The date the Policy lapses; 3. The date the Policy is surrendered; 4. The date of death of the Insured; 5. The date of an increase in Face Amount of the Policy which does not qualify for an increase in coverage under this Rider; 6. The date a Waiver of Specified Premium Rider is added to the Policy to which this Rider is attached; and 7. The monthly anniversary on or next following our receipt of your request In Writing to terminate this Rider.
The Issue Date of this Rider and the Policy are the same unless another Issue Date is shown on the Policy Specifications for Policy Change page. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Secretary RIDER SPECIFICATIONS FOR WAIVER OF MONTHLY DEDUCTION RIDER INSURED: [JOHN DOE] COVERAGE: WAIVER OF MONTHLY DEDUCTION AMOUNT RIDER POLICY NUMBER: [SPECIMEN]
TABLE OF GUARANTEED MAXIMUM MONTHLY COST OF RIDER RATES PER $100
ATTAINED AGE RATE -------- ------ [35 6.30 36 6.80 37 7.10 38 7.60 39 8.09 40 8.51 41 8.93 42 9.77 43 10.23 44 10.93 45 11.50 46 12.00 47 12.50 48 13.00 49 14.00 50 14.50 51 15.00 52 16.28 53 17.50 54 18.00 55 18.50 56 19.43 57 19.95 58 20.33 59 20.48 60 6.20 61 5.50 62 4.75 63 4.00 64 3.00]
These rates are for the Waiver of Deduction Rider as of the Issue Date. They are based on the Basis of Computation of Minimum Cash Values table shown on the Policy Specifications page or Policy Specifications for Policy Change page. TABLE OF MAXIMUM MONTHLY COST OF RIDER RATES PER $100 INSURED: [JOHN DOE] COVERAGE: [WAIVER OF SPECIFIED PREMIUM RIDER] POLICY NUMBER: [16,000,001]
ATTAINED ATTAINED ATTAINED AGE RATE AGE RATE AGE RATE --- ---- --- ---- --- ---- 35 3.000000 36 3.250000 37 3.250000 38 3.250000 39 3.250000 40 3.250000 41 3.250000 42 3.250000 43 3.400000 44 3.600000 45 3.800000 46 4.000000 47 4.250000 48 4.500000 49 5.000000 50 5.250000 51 5.500000 52 6.000000 53 6.500000 54 6.750000 55 7.000000 56 7.000000 57 7.250000 58 7.000000 59 6.250000 60 5.250000 61 4.750000 62 4.000000 63 3.250000 64 2.000000
1E-3WSP1-04-NY METROPOLITAN LIFE INSURANCE COMPANY RIDER: OPTION TO PURCHASE LONG-TERM CARE TYPE COVERAGE This Rider is a part of the Policy if it is referred to on the specifications page of this Policy. DATE OF ISSUE/ The Date of Issue/effective date of this Rider is shown EFFECTIVE DATE in the Rider Schedule. The Date of Issue is the effective date of this Rider. COST OF RIDER The monthly cost of insurance charge for this Rider is guaranteed and shown in the Rider Schedule. OPTION TO PURCHASE We agree that Long-term Care Type Coverage on the LONG-TERM CARE Insured can be purchased without providing health TYPE COVERAGE information. Long-term Care Type Coverage as used in this Rider means nursing home and home care insurance. When the Insured exercises an Option, we will provide this or similar types of coverage that will meet the minimum standards required by: the New York State Insurance Department laws and regulations in effect when the Insured takes delivery of the individual Long-term Care Type Coverage in New York State or the individual Long-term Care Type Coverage is issued for delivery in New York State; or the Insurance Department of the state where the Long-term Care Type Coverage is delivered or issued for delivery. THE POLICY TO BE OFFERED UNDER THIS RIDER WILL NOT QUALIFY FOR THE NEW YORK STATE PARTNERSHIP FOR LONG TERM CARE PROGRAM. All of the policies outlined here are presently considered tax-qualified. We expect to issue tax-qualified policies at time of the option exercise as long as the policies continue to meet: New York Department Regulations if the policy is delivered or issued in New York State; or the state regulations where the policy is delivered or issued. PURCHASE OF LONG- The Insured may apply for Long-term Care Type Coverage TERM CARE TYPE within 60 days before a Purchase Option Date. The Insured COVERAGE must complete a written application for the Long-term Care Type Coverage within 60 days before the Purchase Option Date. We must receive the application before the Purchase Option Date. THIS RIDER WILL TERMINATE ONCE THE LONG-TERM CARE TYPE COVERAGE IS ISSUED. PURCHASE OPTION The Purchase Option Dates are shown in the Rider DATES Schedule. The effective date of the Long-term Care Type Coverage will be the Purchase Option Date on which the Long-term Care Type Coverage is purchased, subject to our receipt of the initial premium no later than 75 days after that Purchase Option Date. THE LONG-TERM The Long-term Care Type Coverage will be issued: CARE TYPE COVERAGE 1. With the same Insured as this Rider; 2. With the same underwriting class as this Rider or the class we reasonably determine is the closest to it (but not less favorable) if the class of this Rider is not offered on the Long-term Care Type Coverage. We would then offer the Long-term Care Type Coverage under our rules in effect on either the effective date of the Rider or the date the Option is exercised, whichever is more favorable to the Insured; E-3GPO-00 NY RIDER: OPTION TO PURCHASE LONG-TERM CARE TYPE COVERAGE (CONTINUED) THE LONG-TERM 3. On an individual policy form of Long-term Care Type CARE TYPE Coverage designated by us or, at the sole discretion COVERAGE of Metropolitan Life Insurance Company, the policy may (CONTINUED) be issued by our designated affiliate on the Purchase Option Date that will provide the Long-term Care Type Coverage features as specified in the Rider Schedule. If a New York State resident takes delivery of individual Long-term Care Type Coverage in New York, the policy will be issued through a New York licensed insurer subject to the New York State laws and regulations. If the Insured is no longer a New York resident when taking delivery of individual Long-term Care Type Coverage, the policy may be delivered in a jurisdiction other than New York State through an insurer not subject to the New York State laws and regulations. Such individual policy form of Long-term Care type Coverage will meet the minimum standards required by the insurance department of the state where the Long-term Care Type Coverage is delivered or issued for delivery. The policy issued as a result of exercise of this Rider will meet or exceed the minimum requirements of the state where delivered or issued for delivery. Future issuance of the policy will be subject to our overinsurance rules at the time of exercise. However, those overinsurance rules will be no less favorable than those in effect when this Rider was issued; 4. At premium rates in use by the issuing company on the Purchase Option Date as of which the Long-term Care Type Coverage is purchased. Such premium rates will meet the minimum standards required by the insurance department of the state where the Long-term Care Type Coverage policy is delivered or issued for delivery or the New York State Insurance Department laws and regulations in effect when the Insured takes delivery of the individual Long-term Care Type Coverage in New York State or when the individual Long-term Care Type Coverage is issued for delivery in New York State; 5. Subject to any assignments to which this Rider is subject; 6. Subject to the New Policy Features as shown in the Rider Schedule; 7. At the insurance age of the Insured on the Purchase Option Date as of which the Long-term Care Type Coverage is purchased; and 8. With a Daily Benefit Amount and a Total Lifetime Benefit shown in the Rider Schedule, except as otherwise required by the insurance department of the state where Long-term Care Type Coverage is delivered or issued for delivery or the New York State Insurance Department laws and regulations in effect when the Insured takes delivery of the individual Long-term Care Type Coverage in New York State or individual Long-term Care Type Coverage is issued for delivery in New York State. (If the issuing company's published minimum Daily Benefit Amount and Total Lifetime Benefit on the date of purchase are greater than the amounts shown in the Rider Schedule, these higher amounts may be purchased.) E-3GPO-00 NY RIDER: OPTION TO PURCHASE LONG-TERM CARE TYPE COVERAGE (CONTINUED) The Long-term Care Type Coverage will take effect on the Purchase Option Date the Long-term Care Type Coverage is purchased subject to our receipt of its initial premium no later than 75 days after that Purchase Option Date. If Long-term Care Type Coverage is issued on a basis other than daily benefits (such as weekly or monthly benefits), the amounts shown in the Long-term Care Type Coverage policy will reflect the chosen benefit amounts. The contestable period of Long-term Care Type Coverage issued under this Rider will be measured from the effective date of this Rider. Optional features or riders can be attached to the Long-term Care Type Coverage only with the consent of the issuing company. TIME LIMIT ON After two years from the Date of Issue of this Rider, CERTAIN DEFENSES no misstatements, except fraudulent misstatements, made on the application for this Rider can be used to void this Rider. CONTRACT A copy of the application for this Rider is attached to and made a part of the Rider. This Rider has no cash value. TERMINATION This Rider will end upon the earliest of: 1. The Purchase Option Date the option to purchase Long-term Care Type Coverage is exercised; 2. The date the Policy ends; 3. Sixty days after the final Purchase Option Date; and 4. The date we record the Owner's signed request to end this Rider. METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Gwenn L. Carr Vice-President and Secretary E-3GPO-00 NY Rider Schedule INSURED NAME: John Doe POLICY NUMBER: Specimen DATE OF ISSUE: March 1, 2001 RIDER CLASS: Standard AGE: 35 GUARANTEED MONTHLY COST OF $6.97 INSURANCE CHARGE INITIAL DAILY BENEFIT $160.00 AMOUNT NEW POLICY FEATURES: WAITING PERIOD: 100 Days or if less, the minimum number of days required by law.
PURCHASE MAXIMUM DAILY MAXIMUM LIFETIME OPTION DATE BENEFIT AMOUNT BENEFIT AMOUNT ----------- -------------- -------------- 3/1/2006 170.00 $186,150 3/1/2011 200.00 219,000 3/1/2016 250.00 273,750 3/1/2021 280.00 306,600 3/1/2026 320.00 350,400
E-3GPO-00 NY WAIVER OF SPECIFIED PREMIUM RIDER Metropolitan Life Insurance Company THE WAITING PERIOD FOR INCONTESTABILITY IS DIFFERENT FROM THAT IN THE POLICY AND BEGINS ON THE ISSUE DATE OF THIS RIDER. This Rider is a part of the Policy if it is listed on: the Policy Specifications page; or the Policy Specifications page for Policy Change. A copy of the application for this Rider is attached to and made part of the Rider. WAIVER OF SPECIFIED We will credit to the Policy, as a premium payment, the PREMIUM BENEFIT amount shown as the monthly premium waived on the Policy Specifications page if: 1. You furnish us with written proof that the Insured is totally disabled, as defined in this Rider; 2. The Insured becomes disabled after age 5 and before age 65; 3. Disability has continued without interruption for at least six months; and 4. This Rider is in force. The monthly premium waived will be credited as premium to the Policy as long as the Policy remains in force as follows: DISABILITY STARTING BEFORE AGE 60. If the Insured's disability begins before age 60, we will credit the monthly premiums waived that were due during the six months of uninterrupted disability. After that, we will continue to credit the monthly premiums waived. However, the Insured must continue to be totally disabled. DISABILITY STARTING BETWEEN AGES 60 AND 65. If the Insured's disability begins on or after age 60 but before age 65, we will credit the monthly premiums waived that were due during the six months of uninterrupted disability. We will continue to credit the monthly premiums waived after that, but no later than age 65. However, the Insured must continue to be totally disabled. The Policy to which this Rider is attached is intended to qualify as a life insurance contract under the Internal Revenue Code or any applicable successor provision or any interpretive regulation or rulings by the Internal Revenue Service. To that end, premiums on the Policy are limited to an amount no greater than that allowing the Policy to continue to qualify. Therefore, the portion of any monthly premium waived that would disqualify the Policy will be paid to you in cash. DEFINITION OF AGE 5, "Age 5," "Age 60," and "Age 65" begin on the policy AGE 60 AND AGE 65 anniversary nearest the Insured's 5th, 60th and 65th birthdays, respectively. CHANGES IN WAIVER Coverage under this Rider can be increased, subject to COVERAGE our underwriting rules, if the Face Amount of the Policy is increased and if the Insured is not totally disabled. The increase in waiver coverage is subject to: 1. The terms for a requested increase in Face Amount as stated in the Change in Face Amount provision of the Policy; 2. Our limits for Waiver of Specified Premium benefits; and 3. An increase in the Cost of Rider. You may request a decrease in the waiver coverage. The decrease in waiver coverage will become effective on the monthly anniversary on or following receipt by us at our Designated Office of your written request to decrease the waiver coverage. 1E-3WSP1-04-NY POLICY LAPSE Crediting of the monthly premium waived to the Policy does not guarantee that the Policy will remain in force. MONTHLY The Monthly Cost of Rider for the following month is COST OF RIDER charged as part of the Monthly Deduction. The Monthly Cost of Rider is calculated as (1) multiplied by (2) where: 1. Is the Monthly Cost of Rider Rate for this Rider divided by 100; and 2. Is the monthly premium waived. The Monthly Cost of Rider Rate for this benefit is based on the Insured's Attained Age. TOTAL DISABILITY "Total Disability" means the inability of the Insured to perform the substantial and material duties of his or her regular occupation. Such disability must be the result of an accidental bodily injury or a sickness. The injury or sickness must first manifest itself two years after the Issue Date of this Rider. However, after this period of disability has continued for 60 months, the Insured will be deemed to be totally disabled only if he or she is unable to perform the substantial and material duties of any occupation for which he or she is reasonably fitted by education, training or experience. "Performing substantial and material duties" includes attending school or college as a full time student, if that was the main occupation of the Insured when the disability started. If, after this Rider becomes effective, the Insured suffers the total and irrecoverable loss of: 1. The sight in both eyes; 2. The use of both hands or both feet; or 3. The use of one hand and one foot. this will be considered total disability as defined in this Rider. Upon such a loss the Insured will still be considered disabled even though working at an occupation. RECURRENT TOTAL If, while the Policy and this Rider are in force, the DISABILITY Insured becomes disabled again after having been totally disabled before, the new disability will be considered a continuation of the previous period unless: 1. It is due to an entirely different cause; or 2. The Insured has performed all of the material and substantial duties of a gainful occupation for a continuous period of six months or more between such periods of total disability. NOTICE OF CLAIM AND Before we credit any monthly premium waived to the PROOF OF DISABILITY Policy, You must provide the following at our Home Office or any other office designated by us: 1. Written notice of claim for this benefit during the lifetime of the Insured. This notice must be submitted during the continuance of total disability. This notice must be submitted no later than six months after this Rider terminates; and 2. Written proof of total disability within six months after You provide written notice of claim. In no event should this proof be submitted later than the date when any of the following events first occurs: a. One year after age 65 of the Insured; b. Surrender of the Policy; and c. One year from the due date of the first unpaid Monthly Deduction. 1E-3WSP1-04-NY Failure to give such notice and proof within the time allowed will not void the claim. We will consider the claim if you show us that it was not reasonably possible to file notice and proof on time. However, you must file notice and proof as soon as reasonably possible. In no event will we credit any monthly premium waived if its due date was more than one year before You provided notice of the claim. We will require no further proof of disability and we will automatically credit further monthly premiums waived if: 1. The Insured is totally disabled at age 65; and 2. All monthly premiums waived for at least the five years preceding age 65 have been credited. EXAMINATION OF THE We have the right to have the Insured examined by our INSURED AND PROOF appointed examiner. Such exam will be at our expense. OF CONTINUED We also have the right to require written proof of DISABILITY continuance of disability from the Insured at the following times: 1. After receipt of notice of claim; 2. At reasonable intervals within two years after we receive proof of total disability; and 3. Not more than once each year after the first two years. We will not credit to the Policy any further monthly premiums waived if the Insured refuses to be medically examined. Nor will we credit to the Policy further monthly premiums waived if proof of continuance of disability is not furnished when we request it, unless it was not reasonably possible for You to provide proof. However, You must provide proof of continuance of disability as soon as reasonably possible and in no event, except in the absence of legal capacity, later than one year from the time we request it. INCONTESTABILITY We cannot contest this Rider after it has been in force during the lifetime of the Insured, excluding any period the Insured is totally disabled: 1. With respect to the original waiver coverage under this Rider, for two years from the Issue Date of this Rider; and 2. With respect to each increase in waiver coverage under this Rider, for two years from the effective date of each increase in Face Amount under the Policy. GENERAL If the Insured becomes totally disabled during the PROVISIONS Grace Period and becomes eligible for the Waiver of Specified Premium Benefit, we will credit to the Policy any monthly premiums waived during the Grace Period. TERMINATION This Rider will terminate on the first of the following events to occur: 1. Attained Age 65 of the Insured. This will be without prejudice to any benefits granted for total disability occurring before age 65; 2. The date the Policy lapses; 3. The date the Policy is surrendered; 4. The date of death of the Insured; 5. The date of an increase in Face Amount of the Policy which does not qualify for an increase in coverage under this Rider; 1E-3WSP1-04-NY 6. The date a Waiver of Monthly Deduction Rider is added to the Policy to which this Rider is attached; and 7. The monthly anniversary on or following receipt by us at our Designated Office of your written request to terminate this Rider. We may require the Policy for endorsement. The Issue Date and effective date of this Rider and the Policy are the same unless another Issue Date is shown below. ------------------------ Issue Date METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr ---------------------------------------- Gwenn L. Carr Vice-President and Secretary 1E-3WSP1-04-NY ACCELERATION OF DEATH BENEFIT RIDER METROPOLITAN LIFE INSURANCE COMPANY THE WAITING PERIODS FOR SUICIDE AND INCONTESTABILITY ARE DIFFERENT FROM THOSE IN THE POLICY AND BEGIN ON THE ISSUE DATE OF THE RIDER. This Rider is subject to all applicable terms and provisions of the Policy, except as modified herein. This Rider is a part of the Policy if it is listed on the Policy Specifications page or on the Policy Specifications page for Policy Change. A copy of the application for this Rider is attached to and made a part of the Rider. IMPORTANT: THE BENEFIT PAYMENTS UNDER THIS RIDER MAY BE TAXABLE OR MAY AFFECT ELIGIBILITY FOR BENEFITS UNDER STATE OR FEDERAL LAW. YOU SHOULD CONSULT YOUR TAX ADVISER TO DETERMINE THE EFFECT ON YOU. DEFINITIONS "Eligible Proceeds" are the Policy Proceeds as defined in your Policy: less any Face Amount provided by a Supplemental Coverage Term Rider; and plus any amount of benefit provided by a rider that we consent to apply to an Accelerated Death Benefit. "Accelerated Death Benefit" is the amount we will pay under this Rider if we receive proof that the Insured is terminally ill. We will compute the Accelerated Death Benefit based on the following: 1. The amount of Eligible Proceeds you choose to accelerate. (See Amount of Accelerated Death Benefit); 2. Reduced life expectancy; 3. A processing charge not to exceed $150; and 4. An Interest Rate no greater than the greater of: a. The current yield on 90 day treasury bills; and b. The current maximum statutory adjustable policy loan interest rate. This method of computation has been filed, if required, with the insurance supervisory official of the state that governs your Policy. We may change the assumptions we use from time to time. "Terminally ill" means having a life expectancy of months or less. AMOUNT OF You may choose to apply all or part of the Eligible Proceeds ACCELERATED DEATH to your Accelerated Death Benefit subject to the following BENEFIT conditions: 1. You must apply at least $50,000 or 25% of the Eligible Proceeds if less. 2. You cannot apply more than the greater of: a. $250,000; and b. 10% of the Eligible Proceeds under this and all other similar riders issued by us and our affiliates. The Face Amount of your Policy after payment of a partial Accelerated Death Benefit must be at least equal to our published minimum limits of issue for the base policy to which this rider is attached. 1E-6ACC1-04-NY CONDITIONS Your right to the Accelerated Death Benefit under this Rider is subject to the following: 1. You must provide proof satisfactory to us, including a statement signed by a physician, that the Insured is terminally ill. The physician may not be you, the Insured, or a member of the Insured's family. We have the right to have the Insured examined at our expense by a physician we choose. 2. You must make a written request for payment in a form acceptable to us. 3. Any irrevocable beneficiary must give written consent for payment in a form acceptable to us. 4. Any assignee must give written consent for payment in a form acceptable to us. 5. We may require the Policy for endorsement. 6. You may request only one Accelerated Death Benefit under this Rider. 7. Your Policy is not eligible for this benefit if: a. You are required by law to use this Rider to meet the claims of creditors, whether in bankruptcy or otherwise; or b. You are required by a government agency to use this Rider to apply for, obtain, or keep a government benefit or entitlement. PAYMENT OF Unless otherwise requested, we will pay the Accelerated ACCELERATED Death Benefit in one sum. DEATH BENEFIT EFFECT OF All policy values and the Death Benefit on the remaining BENEFIT Policy, if any, will be reduced in the same proportion as ACCELERATION ON the amount of Eligible Proceeds was applied to the POLICY AND Accelerated Death Benefit. If any Death Benefit remains on RIDERS the Policy after acceleration, any accidental death benefit rider on the life of the Insured will not be affected. Upon acceleration, the method of payment for future premiums and policy charges will remain the same. (Please refer to your Policy for additional information about the payment of future premiums and policy charges.) However, upon acceleration future premiums and policy charges will be based on the reduced Death Benefit of the Policy. If you apply all of the Eligible Proceeds to your Accelerated Death Benefit, all policy benefits based on the Insured's life, except for any benefit for accidental death, will end. Any accidental death benefit rider on the life of the Insured will continue in force for 12 months from the date of any payment under this Rider. Any riders that provide a benefit on the life of someone other than the Insured will stay in effect pursuant to their terms as if the Insured had died. No further cost for those riders will be payable. INCONTESTABILITY This Rider will not be contestable after it has been in force during the life of the Insured for two years from the Issue Date of the Rider. SUICIDE EXCLUSION This Rider does not apply if the Insured's terminal illness is the result of an attempt to commit suicide within two years from the Issue Date of the Rider. 1E-6ACC1-04-NY TERMINATION This Rider will terminate at the earliest of: 1. When an Accelerated Death Benefit is paid; 2. The date on which the Policy would be disqualified as a life insurance contract because this Rider is attached, under the Internal Revenue Code as interpreted by the Internal Revenue Service; 3. When the Policy to which this Rider is attached terminates; and 4. The monthly anniversary on or following receipt by us at our Home Office or any other office designated by us of your written request to terminate this Rider. We may require the Policy for endorsement. The Issue Date and effective date of this Rider and the Policy are the same unless another Issue Date is shown below. ---------------------- Issue Date METROPOLITAN LIFE INSURANCE COMPANY /s/ Gwenn L. Carr Gwenn L. Carr Vice-President and Secretary 1E-6ACC1-04-NY