BENEFITS DEATH BENEFIT If the insured dies prior to the maturity date and while the certificate is in force, we will pay the death benefit shown in the certificate in a lump sum to the beneficiary upon our receipt of proof of death. We may also require submission of the certificate with the proof of death. The death benefit is equal to: 1. the certificate death benefit amount on the date of death; plus 2. a refund of any premium paid that applies to a period after the certificate month of the insured’s death; less 3. any certificate debt; less 4. any unpaid premium that applies to a period prior to the date of the insured’s death. In no event will the amount payable upon death of the insured be less than the minimum amount required to permit this policy to qualify as life insurance under the Federal Income Tax Rules applicable to this policy. The death benefit will not include a refund of any premium waived under the Payor Waiver of Premium for Total Disability Rider. MATURITY BENEFIT If the insured is living on the maturity date and while the certificate is in force, we will pay the maturity benefit shown in the certificate in a lump sum to the certificate holder. The maturity benefit is equal to: 1. the cash value at maturity; less 2. any certificate debt; less 3. any unpaid premium that applies to a period prior to the maturity date. (This space intentionally left blank.) GWLPIN Page 12