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EXHIBIT 1.A.(13)(e)
ENDORSEMENTS
This endorsement modifies the Death Benefit Provisions of the policy to which it
is attached.
Type C Death Benefit
This endorsement adds a Type C death benefit to the Type A and Type B death
benefits described in this contract under Death Benefit Provisions. We show the
type of death benefit that applies to this contract under Type of Death Benefit.
If this contract has a Type C death benefit, the death benefit on any date is
equal to the greater of: (1) the basic insurance amount plus the total premiums
paid minus total withdrawals to this contract, and (2) the contract fund before
deduction of any monthly charges due on that date, multiplied by the attained
age factor that applies. For the purpose of determining the Type C death
benefit, the total premiums paid will not include any charge to reinstate this
contract as described under Reinstatement.
For the purpose of computing the death benefit, if the contract fund is less
than zero we will consider it to be zero. Your basic insurance amount and
attained age factors are shown in the contract data pages.
Changing To or From Type C Death Benefit
When changing to or from a Type C death benefit, we will not add any charge to
reinstate to the total premiums paid on this contract.
Type A to C
If you are changing from a Type A to a Type C death benefit, we will change the
basic insurance amount by subtracting the total premiums paid on this contract
minus total withdrawals on the date the change takes effect.
Type B to C
If you are changing from a Type B to a Type C death benefit, we first find the
difference between (1) the contract fund and (2) the total premiums paid on this
contract minus total withdrawals, determined on the date the change takes
effect. If (1) is larger than (2), we will increase the basic insurance amount
by that difference. If (2) is larger than (1), we will reduce the basic
insurance amount by that difference.
Type C to A
If you are changing from a Type C to a Type A death benefit, we will change the
basic insurance amount by adding the total premiums paid minus total withdrawals
to this contract on the date the change takes effect.
Type C to B
If you are changing from a Type C to a Type B death benefit, we first find the
difference between (1) the contract fund and (2) the total premiums paid minus
total withdrawals to this contract on the date the change takes effect. If (2)
is larger than (1), we will increase the basic insurance amount by that
difference. If (1) is larger than (2), we will reduce the basic insurance amount
by that difference.
If the change in the type of death benefit results in a reduction in the basic
insurance amount, the basic insurance amount after the decrease must be at least
equal to the minimum basic insurance amount, which we show under Contract
Limitations in the contract data pages. We may also deduct a surrender charge
and administrative charge as described in the Change In Basic Insurance Amount
provision.
A change in the type of death benefit will take effect only if we approve your
request at our Home Office. If we approve the change, we will recompute the
contract's charges, values and limitations shown in the contract data pages.
The change will take effect on the monthly date that coincides with or next
follows the date we approve your request. We will send you new contract data
pages showing the amount and effective date of the change in basic insurance
amount and the recomputed charges, values and limitations.
Your request for a change must be in a form that meets our needs. We may
require you to send us this contract before we make the change.
PLI 471-2000
