<PAGE> 1
EXHIBIT 4(j)
MERRILL LYNCH LIFE INSURANCE COMPANY
ENDORSEMENT
The Contract and any previous endorsements are amended as follows:
SECTION 1.2
Replace the last sentence of the second paragraph with the following:
A new Owner's age must be less than the Maximum Owner Age shown in the
Contract Schedule.
Replace the third sentence of the third paragraph with the following:
The age of the oldest Co-owner must be less than the Maximum Owner Age
shown in the Contract Schedule.
SECTION 1.3
Replace the last sentence with the following:
The Annuitant's age at issue or when a new Annuitant is named must be less
than the Maximum Annuitant Age shown in the Contract Schedule.
SECTION 4.4
Replace the first paragraph with the following:
CONTINGENT DEFERRED SALES CHARGE: A charge will be made for withdrawals
from Variable Account A prior to the Annuity Date. The contingent deferred
sales charge is calculated separately for each Premium. Withdrawals from
Variable Account A made in a Contract Year up to the number shown in the
Contract Schedule are made under Section 6.2. For other withdrawals,
Premium payments are withdrawn on a "first-in, first-out" (FIFO) basis,
and all Premiums are withdrawn before earnings are withdrawn.
SECTION 6.2
Replace with the following:
6.2.1 WITHDRAWALS FROM VARIABLE ACCOUNT A: The contingent deferred sales
charge described in Section 4.4 will not be applied to that
portion of lump-sum withdrawals from Variable Account A made in
any Contract Year up to the number shown in the Contract Schedule
which do not exceed the greater of (a) or (b) where:
(a) is 10% of total Premiums paid into Variable Account A that
are subject to a contingent deferred sales charge determined
as of the date of the request less any prior amount withdrawn
from Variable Account A in the Contract Year and any prior
amount transferred from Variable Account A to Variable
Account B in the Contract Year and
(b) is your gain in Variable Account A, as defined in Section
5.1, plus Premiums allocated to Variable Account A that are
not subject to a contingent deferred sales charge.
These withdrawals from Variable Account A in any Contract Year
will be effected as if gain is withdrawn first, followed by
Premium on a "first-in, first-out" (FIFO) basis. The Contract
Value remaining must be at least $2,000. Each withdrawal shall
count as one of the six permitted under Section 6.1.
6.2.2 SYSTEMATIC WITHDRAWALS FROM VARIABLE ACCOUNT A: You may make
systematic withdrawals on a monthly, quarterly, semi-annual or
annual basis of up to 10% of the total Premiums paid into Variable
Account A less any prior amounts withdrawn from Variable
-1-
<PAGE> 2
Account A in the Contract Year and any prior amount transferred
from Variable Account A to Variable Account B in the Contract
Year.
These withdrawals are in addition to the lump-sum withdrawals
permitted under Section 6.2.1 and the one lump-sum transfer to
Variable Account B permitted under Section 5.1. In a Contract Year
you can elect to make either automatic transfers to Variable
Account B under Section 5.1 or systematic withdrawals under this
provision. You cannot use both programs in the same Contract Year.
Systematic withdrawals are not subject to a contingent deferred
sales charge except to the extent that, when added to prior
lump-sum withdrawals from Variable Account A and prior lump-sum
transfers made to Variable Account B in the same Contract Year,
the systematic withdrawals exceed the amount which can be
withdrawn without a contingent deferred sales charge as described
in Section 6.2.1.
You may stop systematic withdrawals at any time upon notice to us.
Once withdrawals are stopped you cannot begin them again before
the next Contract Year. Amounts available for withdrawal cannot be
carried over to subsequent Contract Years.
SECTION 7.1.2
Add the following sentences:
If the death benefit which would have been paid to the surviving spouse is
greater than the Contract Value as of the date we determine the death
benefit, we will increase the Contract Value of the continued Contract to
equal the death benefit we would have paid to the surviving spouse. The
increase will be applied to each subaccount based on the ratio of your
Contract Value in each subaccount to your Contract Value.
SECTION 8.1
Replace the first sentence with the following:
The Annuity Date may not be later than the date the Annuitant would reach
the Maximum Annuitant Age shown in the Contract Schedule.
This endorsement controls over any contrary provisions of the Contract or
previous endorsements.
MERRILL LYNCH LIFE INSURANCE COMPANY
BY: (SIGNATURE OF BARRY G. SKOLNICK)
--------------------------------
SECRETARY
-2-
<PAGE> 3
<TABLE>
<CAPTION>
===============================================================================================
CONTRACT SCHEDULE
<S> <C> <C>
MERRILL LYNCH LIFE INSURANCE COMPANY Contract Number: M999999999
Service Center: Date of Issue: April 11, 2000
P.O. Box 44222 Current Date: April 13, 2000
Jacksonville, FL 32231-4222
1-800-535-5549
</TABLE>
<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------
OWNER INFORMATION ANNUITANT INFORMATION
-----------------------------------------------------------------------------------------------
<S> <C>
Owner Name: JOHN DOE Annuitant: JOHN DOE
Owner Age: 35 Max. Owner Age: 90 Age: 35 Sex: M
Co-Owner Name: JANE DOE Co-Annuitant: JANE DOE
Address: SUITE 1234 Age: 35 Sex: F
123 MAPLE STREET Annuity Date: September 1, 2010
ANYTOWN US 12345-1234
Max. Annuitant Age: 90
Owner's Beneficiary: SURVIVING SPOUSE
-----------------------------------------------------------------------------------------------
</TABLE>
<TABLE>
<CAPTION>
-----------------------------------------------------------------------------------------------
CONTRACT INFORMATION
-----------------------------------------------------------------------------------------------
Contract Type: FLEXIBLE PREMIUM INDIVIDUAL VARIABLE ANNUITY
Variable Accounts Expense and Mortality Risk Charges: Variable Account A 1.25%
Variable Account B 0.65%
Variable Account A Administration Charge: 0.10%
Initial Premium: $100,000.00
Premium Allocation:
SEPARATE ACCOUNT A Premium: $50,000.00
<S> <C> <C>
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
{100 % cents 100 % cents 100 % cents}
100 % TOTAL
SEPARATE ACCOUNT B Premium: $50,000.00 {100 % ML Reserve Assets}
Number of Lump-Sum Withdrawals from Variable Account A: 6 each Contract year
-----------------------------------------------------------------------------------------------
Financial Consultant: JOE BROKER
- 3 -
===============================================================================================
</TABLE>
