EXHIBIT 99.A9.DBER
Exhibit 1.A.(5)(h)
Death Benefit Extension Rider
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WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
(A STOCK COMPANY)
Home Office: Columbus, Ohio
Administrative Office: Clearwater, Florida
DEATH BENEFIT EXTENSION RIDER
DEFINITIONS
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When used in this Rider, the following definitions apply:
INSURED For a single life policy, the Insured will be
the Insured shown on the Policy Schedule Page
of the Policy to which this Rider is attached.
For a Joint Last Survivor Policy the Insured
will be the younger Joint Insured of the Joint
Insureds shown on the Policy Schedule Page of
the Policy to which the Rider is attached.
SCHEDULED MATURITY The Maturity Date shown on the Policy Schedule
DATE Page of the Policy.
WE, OUR, OR US Western Reserve Life Assurance Co. of Ohio
YOU OR YOUR The Insured under this Rider.
BENEFIT If this Rider is in force on the Scheduled
Maturity Date, the Maturity Date will
automatically be extended.
If the Maturity Date is extended:
(a) any additional Riders in force on the
Scheduled Maturity Date will terminate on
that date and may not be extended;
(b) no additional premium payments will be
permitted after the Scheduled Maturity
Date without Our consent unless required
to prevent lapse of the Policy;
(c) all benefits and charges will continue as
set forth in the Policy. Annual Cost of
Insurance Rates will be adjusted using the
then current Cost of Insurance Rates for
the period for which the Maturity Date is
extended through Your attained age 99.
These rates will not exceed those shown in
the Table of Guaranteed Maximum Life
Insurance Rates below for a single life
policy and those shown in the Policy for a
Joint Last Survivor Policy. If the
Maturity Date remains extended at and
beyond Your attained age 100, no future
monthly deductions will be made.
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The Policy's Limitation Percentages will be
adjusted to equal 101% for all years at and
beyond Your attained age 100.
TERMINATION This Rider will automatically terminate on the
earliest of the following:
1. the date the Policy terminates;
2. the Monthiversary on which this Rider is
terminated upon Written Notice from the
Owner.
GENERAL This Rider is part of the Policy, It is subject
to all the terms of this Rider and the Policy.
The first monthly deduction for this Rider is
shown on Page 4 of the Policy. Monthly
deductions after the first policy month will be
calculated by multiplying the Death Benefit
Extension Rider factor shown on Page 4 of the
Policy times the Monthly Cost of Insurance
charges for eligible coverages. Eligible
coverages include the death benefit under the
Policy and, if there is an Adjustable Term
Insurance Rider on the Policy, any coverage
provided under the Adjustable Term Insurance
Rider and any coverage provided under the
Primary Insured Rider Plus or Joint Insured
Rider.
EFFECTIVE DATE This Rider becomes effective on the same date
as the Policy unless a later date is shown
here.
WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
/s/ WILLIAM H. GEIGER
Secretary
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WESTERN RESERVE LIFE ASSURANCE CO. OF OHIO
CLEARWATER, FLORIDA
TABLE of GUARANTEED MAXIMUM LIFE INSURANCE RATES
ANNUAL COST OF INSURANCE RATE Per $1,000
COMMISSIONER'S 1980 STANDARD ORDINARY SMOKER
and
NON-SMOKER MORTALITY TABLE
ATTAINED AGE MALE ANNUAL RATES FEMALE ANNUAL RATES
------------ ----------------- -------------------
95 $ 329.96 $ 317.32
96 $ 384.55 $ 375.74
97 $ 480.20 $ 474.97
98 $ 657.98 $ 655.85
99 $ 1000.00 $ 1000.00
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