VALLEY FORGE LIFE INSURANCE COMPANY
--------------------------------------------------------------------------------
Executive Office: A Stock Company Home Office:
CNA Plaza 401 Penn St.
Chicago, Illinois 60685 Reading, Pennsylvania 19601
--------------------------------------------------------------------------------
FOUR YEAR TERM RIDER
This rider forms a part of the policy to which it is attached. It is issued in
consideration of your application and premium paid.
BENEFIT
We will pay the Four Year Term Rider death benefit shown in the Policy Schedule
if the death of the last insured to die occurs within the first four years
following the Policy Date. This rider must be in effect at the time of death of
the last insured to die.
COST
The monthly cost for this rider is shown in the Policy Schedule.
SUICIDE
If either of the Insureds commits suicide while sane or insane within two years
from the effective date of this rider, we will pay an amount equal to the total
premiums paid for this rider.
REINSTATEMENT
This rider may be reinstated if:
(1) this rider terminated due to the termination of the policy;
(2) the policy is being reinstated; and
(3) both Insureds are alive and legally married to each other.
For such reinstatement, we will require evidence of insurability satisfactory to
us.
RIDER TERMINATION
This rider terminates:
(1) on the policy anniversary nearest the younger Insured's attained age 70;
(2) if you give us written notice to terminate it; or
(3) when the policy terminates.
GENERAL
All provisions of the policy not in conflict with this rider apply to this
rider.
Signed for the Company at its Executive Office, CNA Plaza, Chicago, Illinois
60685, on the policy effective date.
/s/BERNARD L. HENGESBAUGH /s/DAVID L. STONE
Chief Executive Officer Group Vice President
VULR-118 (8/00)
