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ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY
ENHANCED DEATH BENEFIT "EDB" RIDER
OVERVIEW:
The EDB Rider ("Rider") is an optional rider the Owner has selected. It provides
an enhanced Death Benefit, which guarantees [5%] growth and provides a ratchet.
APPLICABILITY:
The Rider is made a part of the contract to which it is attached and is
effective on the issue date.
BENEFIT:
The "Death Benefit" provision on [page XX] of the contract is replaced by the
following:
I. If an Owner, or an Annuitant if the Owner is a non-natural person, dies
before the Annuity Date and before his/her [90th] birthday, the Death
Benefit will be the greatest of:
(a) the Accumulated Value on the Effective Valuation Date increased
for any positive Market Value Adjustment ("MVA");
(b) gross payments accumulated daily at the "EDB Effective Annual
Yield" shown on the Specifications page, starting on the
Effective Valuation Date of each gross payment and ending on the
date of death, adjusted for subsequent withdrawals; and
(c) the highest Accumulated Value on any contract anniversary prior
to the date of death, as determined after being increased for any
positive MVA and subsequent payments and adjusted for subsequent
withdrawals.
II. If an Owner, or an Annuitant if the Owner is a non-natural person, dies
before the Annuity Date but after his/her [90th] birthday, the death
benefit will be the greater of:
(a) the Accumulated Value on the Effective Valuation Date increased
for any positive MVA; or
(b) the Death Benefit, as calculated under Section I, that would have
been payable on the deceased's [90th] birthday, increased for
subsequent payments and adjusted for subsequent withdrawals.
FORM 3293-00 1
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ADJUSTMENTS FOR WITHDRAWALS:
Sections I(b), I(c) and II(b) above are adjusted for withdrawals. For purposes
of determining the type of adjustment, all withdrawals are classified as either
Direct Reduction Withdrawals or Proportionate Reduction Withdrawals:
Direct Reduction Withdrawals are withdrawals that directly reduce the
appropriate value by an amount equal to the amount of the withdrawal.
Proportionate Reduction Withdrawals are withdrawals that proportionately
reduce the appropriate value. This proportionate reduction is calculated
by multiplying the (b) or (c) value, determined immediately prior to the
withdrawal, by the following:
Amount of the Proportionate Reduction Withdrawal
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Accumulated Value determined immediately
prior to the Proportionate Reduction Withdrawal
Adjustments to Sections I(b) and II(b) - All withdrawals in a Contract Year that
total an amount less than [5%] of gross payments are Direct Reduction
Withdrawals. All other withdrawals are Proportionate Reduction Withdrawals. Once
Proportionate Reduction Withdrawals are taken, all future withdrawals are
classified as Proportionate Reduction Withdrawals.
Adjustments to Section I(c) - All withdrawals are Proportionate Reduction
Withdrawals.
CHARGE FOR BENEFIT:
While this Rider is in effect, the Company will assess the EDB Charge (see the
Specifications page).
TERMINATION:
This Rider will terminate on the earliest of the following:
(a) the Annuity Date;
(b) when a Death Benefit is payable and the contract is not continued
under a spousal takeover; or
(c) surrender of the contract.
Signed for the Company at Dover, Delaware
President Secretary
FORM 3293-00 2
