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DISABILITY RIDER
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This Rider is attached to and made a part of this Contract as of the Contract
Date, or if later, the date shown below. Terms not defined in this Rider have
the meaning given to them in the Contract. The "Withdrawal Charges" section of
the Contract is amended by adding the following paragraphs at the end of that
section:
SBL will waive the Withdrawal Charge in the event of a Withdrawal after any
Owner has become totally and permanently disabled after the Contract Date and
prior to age 65. "Totally and permanently disabled" means that:
1. the Owner is unable, because of physical or mental impairment, to perform
the material and substantial duties of any occupation for which the Owner
is suited by means of education, training or experience;
2. the impairment must have been in existence for more than 180 days to
qualify for this benefit; and
3. the impairment must be expected to result in death or be long-standing and
indefinite.
SBL requires proof of disability and proof of age. SBL will accept as proof of
disability a certified Social Security finding of disability or a written
statement by a licensed physician. SBL will accept a certified birth certificate
as proof of age. Such proof of disability and age must be acceptable to SBL.
SBL reserves the right to: (1) have the Owner examined by a physician of SBL's
choice and at SBL's expense to determine whether the Owner is eligible for a
waiver of the Withdrawal Charge as provided herein; and (2) require current
proof of disability with each Withdrawal request.
SBL will deduct a charge for this Rider as set forth in the Contract. SBL will
not deduct the charge from Fixed Account Contract Value to the extent such
charge exceeds the amount of Current Interest in excess of the Guaranteed Rate.
The Owner may not add or delete this Rider after the Contract Date.
SECURITY BENEFIT LIFE INSURANCE COMPANY
ROGER K. VIOLA
Roger K. Viola
Secretary
Rider Start Date
(If Other Than Contract Date)
V6064 (8-00)
