EXHIBIT 1.A.(5)(c)
FULL DEATH BENEFIT RIDER (FDB)
This rider is a part of the base policy whose policy number is shown below.
If not shown below, the Rider Date is shown on the Policy Data Page.
RIDER DATA
BASE POLICY NUMBER
DEFINITIONS
JOINT INSUREDS
The persons upon whose lives this base policy is issued. The
Policy Data Page lists the Joint Insureds.
YOU, YOUR
The current owner of the base policy.
WE, US, OUR
ReliaStar Life Insurance Company at our Home Office in
Minneapolis, Minnesota.
WRITTEN, IN WRITING
A written request or notice, signed and dated, and received at
our Home Office in a form we accept. You may get forms for
this purpose from us.
DEATH BENEFIT
This rider deletes the following sentence from the Death Benefits provision
of the Summary of Benefits on page 3 of the base policy:
The Death Benefit after the younger Joint Insured reaches age 100 is the
Accumulation Value.
This rider replaces the entire Death Benefit Options provision on page 5 of
the base policy with the following:
This policy has two Death Benefit Options:
OPTION A (LEVEL AMOUNT OPTION) - The Death Benefit is the greater of:
1. The Face Amount; or
2. The Accumulation Value multiplied by the Corridor Percentage, as shown
on the Policy Data Page, according to the younger Joint Insured's attained
age.
OPTION B (VARIABLE AMOUNT OPTION) - The Death Benefit is the greater of:
1. The Face Amount plus the Accumulation Value; or
2. The Accumulation Value multiplied by the Corridor Percentage, as shown
on the Policy Data Page, according to the younger Joint Insured's attained
age.
On the policy anniversary after the younger Joint Insured attains age 100,
all of the Variable Accumulation Value will be transferred to the Fixed
Account. Subsequent transfers to the Variable Account will not be allowed.
The subsequent Corridor Percentage will be 100% and no subsequent cost of
insurance will be charged for the base policy.
If the policy is in force on the policy anniversary after the younger Joint
Insured attains age 100, the policy will not lapse thereafter.
[LOGO] ReliaStar Life Insurance Company
Box 20
Minneapolis
Minnesota 55440
Executed at our Home Office
Robert C. Salipante President
/s/ Robert C. Salipante
Susan M. Bergen Secretary
/s/ Susan M. Bergen
85-845 1 (2-00)
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COST OF INSURANCE
We determine the cost of insurance for this rider on a monthly basis. The
cost of insurance for a policy month is calculated as 1 multiplied by the
result of 2 minus 3, [1 x (2 - 3)], where
1. Is the cost of insurance rate for the rider as shown on the Policy Data
Page;
2. Is the Death Benefit of the base policy at the beginning of the policy
month, divided by the sum of 1.000000 plus the Minimum Monthly Interest
Rate shown on the Policy Data Page; and
3. Is the Accumulation Value immediately before the Monthly Deduction minus
the cost for any rider benefits for the policy month.
The cost of insurance is never less than zero.
REINSTATEMENT
This rider cannot be reinstated.
AMENDMENT TO CONFORM TO LAW
We reserve the right to amend a transfer as necessary to maintain the
policy's qualification with the Definition of Life Insurance as defined by
the Internal Revenue Code.
TERMINATION
This rider will terminate on the earliest of the following dates:
1. The Monthly Anniversary on or next following our receipt at our Home
Office of your written request for termination; or
2. When the base policy ends.
