MONTHLY EXTENSION OF ACCELERATED DEATH BENEFITS We will increase the death benefit for the monthly benefit period, or fraction thereof, during which the insured is eligible for benefits and the Monthly Accelerated Death Benefit is to become exhausted. For subsequent monthly benefit periods, or fractions thereof, during which the insured continues to be eligible for benefits, we will increase the death benefit amount and simultaneously accelerate this incremental death benefit amount. The monthly increase for the death benefit amount and the amount for the monthly accelerated death benefit amount is equal to the lesser of: 1. A x C, where: “A” is the death benefit amount on the day the elimination period is first satisfied; “C” is the acceleration percentage shown in the certificate for this rider; and 2. A – E, where: “A” is as defined above; “E” is the sum of all monthly accelerated death benefit amounts under the Monthly Extension of Accelerated Death Benefits provision. The aggregate amount of the increased death benefit amounts under the Monthly Extension of Accelerated Death Benefits provision will not exceed the death benefit amount on the day the elimination period is first satisfied. If a full month of qualified long term care services was received, we will increase the death benefit amount by and accelerate the maximum monthly accelerated death benefit amount. If the insured is confined for only a fraction of a monthly benefit period, we will increase and accelerate a pro rata amount for each day of confinement within that monthly benefit period. If the insured receives qualified non-confined care services less than 2 times during a monthly benefit period, we will increase and accelerate a pro rata amount for each day of the monthly benefit period that qualified non-confined care services were received. In no instance will we increase and accelerate more than the maximum monthly accelerated death benefit amount, as calculated above. The death benefit available for acceleration does not include the amount of any Accidental Death Benefit or Term Rider(s). If the insured satisfies the conditions stated in this provision and in the Conditions on Eligibility for Benefits provision, we will pay a benefit 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 licensed health care practitioner that the insured is chronically ill; and 3. signed consent from any irrevocable beneficiary or assignee. The monthly benefit payable to the certificate holder as a result of the extension of accelerated death benefits is equal to: 1. the monthly accelerated death benefit amount; less 2. any due and unpaid premium. EFFECT OF MONTHLY PAYMENT When a monthly accelerated death benefit is paid: 1. the death benefit amount will be reduced by the monthly accelerated death benefit amount; 2. the cash value will be the reduced death benefit amount divided by 1,000, multiplied by the cash value per $1,000 of death benefit as shown in the certificate; 3. the certificate debt will be reduced by the portion of the certificate debt deducted from the monthly accelerated death benefit amount; and 4. the life insurance premium will be reduced in proportion to the reduction of the death benefit amount. While the insured is eligible for monthly benefits under this rider, no change to existing riders may be requested nor may new riders be added. The payment of monthly benefits under this rider will not affect any Accidental Death Benefit or Term Rider(s). EFFECT ON CERTIFICATE AND RIDER(S) WHEN RIDER BENEFITS NO LONGER PAYABLE If the certificate’s death benefit amount has been totally accelerated and monthly extension of accelerated death benefits are no longer payable, then the certificate and any rider(s) will terminate with no further benefits payable. GWPLTCE1IN Page 6