DEATH BEFORE MONTHLY PAYMENT If the insured dies before we pay an accelerated death benefit, we will void the certificate holder’s request for that accelerated death benefit and pay the death benefit pursuant to the policy. ORDER IN WHICH REQUESTS ARE APPLIED If the certificate holder requests payment of the accelerated death benefit under this rider and any other rider(s), we will pay the accelerated death benefit under each rider based on the order in which the requests are received. EXCLUSIONS We will not pay benefits under this rider for that portion of any day of qualified long term care services that are: 1. provided as a result of mental or emotional disorder (except for Alzheimer’s Disease, or similar forms of senility or senile dementia that are of organic origin); 2. provided as a result of alcoholism or drug addiction; 3. provided as a result of illness, treatment or medical conditions arising out of: a. war or act of war (whether declared or undeclared); b. participation in a felony, riot or insurrection; c. service in the armed forces or units auxiliary thereto; or d. suicide (while sane or insane), attempted suicide or intentionally self-inflicted injury; 4. provided in a government facility (unless otherwise required by law); services for which benefits are available under Medicare (or benefits would be available under Medicare except for the applicable deductibles or co-insurance requirements) or other governmental program (except Medicaid), any state or federal workers’ compensation, employer’s liability or occupational disease law, or any motor vehicle no-fault law; or 5. received outside the United States or its territories. PREMIUMS The premium for this rider is shown in the policy. WAIVER OF PREMIUMS For each certificate month the insured receives monthly benefits under this rider, we will waive the premium for the certificate and all riders attached to the certificate. This waiver is in lieu of any other premium waiver benefit provided by a certificate or a rider attached to a certificate. INCONTESTABILITY Any statement made by the policyholder will be considered a representation and not a warranty. We rely on the statements made in the application for group insurance for this rider. We will not use any statement the policyholder makes to void this rider after it has been in force for 2 years from the date of issue. TERMINATION This rider terminates at the earliest of: 1. the date the policy is terminated; 2. the date this rider is terminated under the policy; or 3. the date we receive the policyholder’s written request to terminate this rider. Signed for AMERICAN HERITAGE LIFE INSURANCE COMPANY at its Home Office. Secretary President GWPLTCE1IN Page 7