AMERICAN HERITAGE LIFE INSURANCE COMPANY 1776 American Heritage Life Drive, Jacksonville, Florida 32224-6687 ACCELERATED DEATH BENEFIT FOR TERMINAL ILLNESS OR CONDITION RIDER Provides for the acceleration of a portion of the death benefit due to a terminal illness or condition. The benefit received under this rider may be taxable. The certificate holder should consult with his or her personal tax advisor. This rider is issued in consideration of the written request for this rider. There is no separate premium for this rider. This rider is a part of the policy and is effective as of the rider effective date. Every definition, term, condition, and provision of the policy applies to this rider, unless otherwise defined or provided in this rider. This rider does not have a cash value or loan value. Payment of the accelerated death benefit will reduce the death benefit and certificate values, which include, but are not limited to, the cash value, net surrender value, and loan value. The accelerated death benefit may be taxable. The certificate holder should consult a personal tax advisor about the tax status of any accelerated death benefit payment prior to requesting the accelerated death benefit. DEFINITIONS Current discount rate means the greater of: (1) the current yield on 90-day Treasury Bills available on the date of application for accelerated payment; or (2) the Moody’s Corporate Bond Yield Averages – Monthly Average Corporates published by Moody’s Investor Services, Inc., or successor thereto, for the calendar month ending 2 months before the date of application for an accelerated payment. Terminal illness or condition means an illness or physical condition: (1) for which there is no reasonable prospect of recovery; and (2) that is expected to result in the insured’s death within 24 months. ACCELERATED DEATH BENEFIT If the insured has a terminal illness or condition while this rider is in force, we will pay the accelerated death benefit in a lump sum to the certificate holder upon our receipt of: 1. the certificate holder’s written request for the accelerated death benefit; 2. written certification from a physician that the insured has a terminal illness or condition; and 3. signed consent from any irrevocable beneficiary or assignee. The accelerated death benefit is equal to the acceleration percentage shown in the certificate multiplied by the certificate death benefit amount, up to a maximum amount of $100,000. The accelerated death benefit does not include the amount of any Accidental Death Benefit or any Term Rider(s). The accelerated death benefit payable is equal to: 1. the accelerated death benefit discounted at the current discount rate; less 2. any pro rata certificate debt; less 3. any due and unpaid premium. Discounting will be done using simple interest and the expected lifetime of the insured. The accelerated death benefit is voluntary and is not intended to cause an involuntary reduction of the death benefit ultimately payable to the beneficiary. Therefore, the accelerated death benefit is not available if the certificate holder or the insured is: 1. required by law to use this option to meet the claims of creditors, whether in bankruptcy or otherwise; or 2. required by a government agency to use this option in order to apply for, obtain, or keep a government benefit or entitlement. The accelerated death benefit under this rider can only be elected once per certificate. GWPTI Page 1