Death Benefit Payment Options

The Death Benefit Proceeds may be paid in a lump sum, under a Settlement Option as set forth in the Settlement Options section, or in any other way agreeable to the Owner and Us. Before the Insured dies, You may choose how the Death Benefit Proceeds are to be paid. If You have not made a choice before the Insured dies, the beneficiary may choose how the Death Benefit Proceeds are paid. We will include interest from the date of death to the payment date. Interest will accrue:

1.  At the rate or rates applicable to the Policy funds left on deposit, as of the date of death;

2.  At the rate listed in Item 1 above, plus additional interest at a rate of 10% annually beginning with the date that is thirty-one (31) calendar days from the latest of items a, b, and c below to the date the claim is paid:

a.  The date the due proof of death is received by Us;

b.  The date We receive sufficient information to determine AUL's liability, the extent of the liability, and the appropriate payee legally entitled to the proceeds; and

c.  The date legal impediments to payment of proceeds that depend upon the action of parties other than Us are resolved and sufficient evidence of the same is provided by Us. Legal impediments to payment include, but are not limited to:

1.  The establishment of guardianships and conservatorships;

2.  The appointment and qualification of trustees, executors and administrators; and

3.  The submission of information required to satisfy state and federal reporting requirements.

Death Benefit Options

The Owner may choose one of the following Death Benefit options:

Option 1 — The Death Benefit is equal to the greater of:

1.  The Face Amount in effect at the time of death; or

2.  The Account Value multiplied by the appropriate percentage from the Table of Minimum Insurance Percentages on the Policy Data Page.

Option 2 — The Death Benefit is equal to the greater of:

1.  The Face Amount in effect at the time of death plus the Account Value; or

2.  The Account Value multiplied by the appropriate percentage from the Minimum Insurance Percentages (as described below). (Please note that the investment performance of the Investment Accounts you have chosen will impact the Account Value and therefore may affect the amount of Death Benefit Proceeds payable.)

Life Insurance Qualification Test

It is intended that this Policy be considered as life insurance for federal income tax purposes, notwithstanding any other provision of the Policy to the contrary, in order to comply with Section 7702 of the Internal Revenue Code of 1986, or any other equivalent section of the Code.

We may make any reasonable adjustments to the conditions or terms of this Policy if necessary, to allow it to continue to qualify as life insurance. This provision is not a guarantee that this Policy will receive tax treatment as life insurance. Additionally, it does not guarantee that the tax treatment of life insurance will never change by the future actions of any tax authority. In order to ensure that this Policy qualifies as life insurance, one of the tests described below will be applied to the Policy.

The default test is the Cash Value Accumulation Test. The test cannot be changed after the Policy Date. We reserve the right to limit the life insurance qualification tests available.

Cash Value Accumulation Test – Under this test, the minimum Death Benefit must be maintained. We may modify the Minimum Insurance Percentage shown on the Policy Data Page, retroactively if needed, to ensure or maintain qualification of this Policy as a life insurance contract for federal income tax purposes, notwithstanding any other provision of this Policy to the contrary.

Guideline Premium Test – Under this test, if at any time the premiums received exceed the amount allowable for tax qualification, the excess amount may be removed from the Policy as of the date of its payment, together with interest and/or investment experience thereon from such date, and any appropriate adjustment in the Death Benefit shall be made as of such date. This excess amount shall be refunded within 60 days after the end of the applicable Policy Year. If this excess amount is

Name of Benefit

Purpose

Standard or Optional

Brief Description of Restrictions/Limitations

Accelerated Death Benefit for Chronic Illness Rider

Advances a portion of the Death Benefit upon Insured being diagnosed as Chronically Ill (as defined below).

Standard

• The maximum annual acceleration amount is subject to the Internal Revenue Service ("IRS") per diem limitation as described below. • The overall maximum benefit at any time is limited as described below. • Expires upon exercise of the Overloan Protection Rider or termination of the Policy. • The rider is restricted to issue ages 0-65. Not allowed on substandard policies. • This Rider may not be available to all investors. Please see Material State Variations for more details.

Accounting Benefit Rider

Waives a percentage of the Surrender Charge in exchange for a separate compensation schedule with an extended chargeback period.

Optional

• The rider benefits are only available upon Full Surrender of the Policy. This benefit must be chosen at the time of application.

Children's Insurance Benefit Rider

Provides level term insurance on each child of the Insured.

Optional

• The rider expires when the Insured reaches age 65.

Overloan Protection Rider

Provides option to continue Policy at a reduced Face Amount with no further reductions.

Standard

• May be exercised only if certain conditions are met: • Policy must be in force for at least 15 Policy Years. • Insured's attained Age must be 65 or older. • Partial Surrenders must equal or exceed premiums paid. • The amount of the outstanding loan plus accrued loan interest must exceed the Minimum Loan Indebtedness Percentage shown on the Rider Data Page times the Cash Value, but be less than the Maximum Loan Indebtedness Percentage shown on the Rider Data Page after the deduction of the Overloan Protection Rider Charge from the Account Value. • The Policy must not be a Modified Endowment Contract as defined in Section 7702A of the Internal Revenue Code of 1986, or thereafter changed, and exercising this Rider must not cause the Policy to become a Modified Endowment Contract. • The Policy changes that result from exercising this rider must not lead to a Death Benefit that is not compliant with the Internal Revenue Code.

Waiver of Monthly Deductions Disability Rider

Waives all Policy Charges if the Insured becomes totally disabled.

Optional

• A six-month waiting period applies. • Waiver period varies depending on when the disability occurs. • The rider is limited to issue ages 0-55.

Dollar Cost Averaging Program ("DCA Program")

Enables systematic and automatic transfer of, on a monthly basis, specified dollar amounts from the Vanguard Money Market Portfolio to other Investment Accounts

Optional

• AUL reserves the right to impose a $25 transfer charge for each transfer effected under a DCA Program. • AUL also reserves the right to alter the terms or suspend or eliminate the availability of the Ongoing Dollar Cost Averaging Program at any time. • Owner can only enter one transfer program at a time.

Name of Benefit

Purpose

Standard or Optional

Brief Description of Restrictions/Limitations

Automatic Portfolio Rebalancing

Automatically rebalances a Policy to specified fund allocation percentages on a quarterly or annual basis.

Optional

• Owner can only enter one transfer program at a time.

Portfolio Optimization Program

An optional Program to allocate investments in Portfolios according to a model selected by the Owner.

Optional

• If the Owner decides to subscribe to the Program and select one (1) of the Portfolio Optimization Models, the Owner's initial premium payment (in the case of a new application) or Account Value, as applicable, will be allocated to the Portfolios according to the Model the Owner selects. Subsequent premium payments, if allowed under the Owner's Contract, will also be allocated accordingly. • AUL is under no contractual obligation to continue this service and has the right to terminate the Program at any time. If AUL terminates the Program, you will remain invested in the same Portfolios until you select new Portfolios. • The Owner's Account Value will be rebalanced among the Portfolios that comprise the Model annually in order to maintain the target asset allocation percentages of the Model.

Optional Benefits Available Through Riders

The following optional benefits are available and may be added to the Owner's Policy at issue. In addition, the Children's Insurance Benefit Rider can be added after issue. If applicable, monthly charges for these riders will be deducted from the Owner's Account Value as part of the Monthly Deduction. Not all of these riders may be available in all states and may vary by state.

Accelerated Death Benefit for Terminal Illness Rider

This rider allows for a prepayment of a portion of the Policy's Death Benefit while the Insured is still alive, if the Insured has been diagnosed as terminally ill, and has a life expectancy of twelve (12) months or less to live. The benefit payment will establish a lien on the Policy which is deducted from Policy proceeds at death or earlier termination. The minimum amount available is $5,000. The maximum benefit payable (in most states) is the lesser of $1,000,000 or 75 percent of the Death Benefit.

A one-time Administrative Fee may be charged when an Accelerated Death Benefit is paid under this rider. This charge is associated with the Company's administrative costs for processing an Accelerated Death Benefit payment for the Owner. This charge is deducted from the Accelerated Death Benefit payable, and it is included in the lien that is created as a result of that payment. The Administrative Fee will not be more than $250.00. For information on state variations to the rider, see "Material State Variations."

Example: An Accelerated Death Benefit is requested on a $500,000 Face Amount Policy. The requested amount must be less than or equal to the maximum allowed of the lesser of $1,000,000 or 75% of the Death Benefit. At the time of the request, the Death Benefit option must be changed to Option 1, if it is not currently Option 1. A lien will be established for the requested amount and interest due. The Accelerated Death Benefit payment will be reduced for any Administrative Fee. The Cash Surrender Value and Death Benefit paid at time of death will be reduced by the amount of any outstanding lien.

Accelerated Death Benefit for Chronic Illness Rider

This rider allows for a prepayment of a portion of the Death Benefit while the Insured is still alive, if the Insured has been diagnosed as Chronically Ill as defined by the rider. In general, the Insured is chronically ill if he or she is unable to perform 2 of 6 Activities of Daily Living (ADLs) (described below) for a period of at least 90 consecutive days or has a permanent severe cognitive impairment (described below). The benefit payment will establish a lien on the Policy which is deducted from Policy proceeds at death or earlier termination.

Activities of Daily Living (ADL) There are six basic functional abilities which measure the Insured's ability for self care and ability to live independently without Substantial Assistance from another individual. They are:

1.  Bathing – The Insured's ability to wash himself or herself by sponge bath, or in either a tub or shower, including the task of getting into or out of the tub or shower.

2.  Continence – The Insured's ability to maintain control of bowel and bladder function. Additionally, when unable to maintain control of bowel and bladder function, the ability to perform associated personal hygiene (including caring for a catheter or colostomy bag).

3.  Dressing – The Insured's ability to put on and take off all items of clothing and any necessary braces, fasteners or artificial limbs.

4.  Eating – The Insured's ability to feed oneself by getting food into the body from a receptacle, such as a plate, cup, or table, or by feeding tube or intravenously.

5.  Toileting – The Insured's ability to get to and from the toilet, getting on and off the toilet, and performing associated personal hygiene.

6.  Transferring – The Insured's ability to move into or out of a bed, chair or wheelchair.

Severe Cognitive Impairment A deterioration or loss of intellectual capacity that is:

(a) Comparable to (and includes) Alzheimer's disease and similar forms of irreversible dementia; and

(b) measured by clinical evidence and standardized tests that reliably measure impairment in the following areas:

1.  Short-term or long-term memory; or

2.  Orientation to people, places or time; or

3.  Deductive or abstract reasoning; or

4.  Judgment as it relates to safety awareness; and

(c) clinical evidence and test measurement must be greater than moderate.

A one-time Administrative Fee may be charged when an Accelerated Death Benefit is paid under this rider. This charge is associated with AUL's administrative costs for processing an Accelerated Death Benefit payment for the Owner. This charge is deducted from the Accelerated Death Benefit payable, and it is included in the lien that is created as a result of that payment. The Administrative Fee will not be more than $250.00. For information on state variations to the rider, see "Material State Variations."

Maximum Annual Acceleration Amount: The annual maximum that may be paid is the IRS per diem limitation times 365, subject to the overall maximum available. For 2024, the per diem limit is $410 per day, for an annual limit of $149,650. The maximum annual amount is prorated for the number of days from the claim date to the end of the calendar year.

Overall Maximum Acceleration Amount: The overall maximum benefit on a Policy at any time is equal to the policy's Cash Value plus a percentage of the net amount at risk (Death Benefit minus Account Value) at the Insured's Attained Age:

Attained Age				Percentage of NAR Available
69 and younger				25%
70 and 79				50%
80 and older				75%

Elimination Period The period of time beginning on the date the Licensed Health Care Practitioner certifies that the Insured meets the definition of Chronic Illness before benefits can be paid. The Elimination Period may be completed consecutively or intermittently, but it must be completed within a 12-month period. The Elimination Period is shown on the Schedule of Benefits page of the Policy.

On the Schedule of Benefits Page, the Elimination Period should show as 90 days.

Example: An Accelerated Death Benefit is requested on a $500,000 Face Amount Policy. The requested amount will be limited by the maximum percentage of NAR defined above and the IRS per diem limitation. At the time of the request, the Death Benefit option must be changed to Option 1, if it is not currently Option 1. A lien will be established for the requested amount and interest due. The Accelerated Death Benefit payment will be reduced for any Administrative Fee. The Cash Surrender Value and Death Benefit paid at time of death will be reduced by the amount of any outstanding lien.

Accounting Benefit Rider

If the Owner fully surrenders his or her Policy while this rider is in effect during the Surrender Charge period, AUL will waive a portion of the Surrender Charges.

Policy Year				Surrender Charge Waiver Percentage
1				90%
2				80%
3				60%
4				40%
5				20%
6				0%
7				0%
8				0%
9				0%
10				0%

Example: Year 1 Surrender Charge is 100%. The Accounting Benefit Rider allows 90% to be waived, leaving 10% Surrender Charge (100% – 90%).

This rider is not available to natural person(s) or legal entities formed for the benefit of or on behalf of natural person(s).

Children's Insurance Benefit Rider (CBR)

Insured's Ages: 14 Days – 18 Years (Children's Ages)

This rider provides level term insurance on each child of the Insured. At issue, each child must be at least 14 days old and less than 18 years of Age. Once CBR is in force, children born to the Insured are covered automatically after they are 14 days old. Notice of the birth of the child should be sent to AUL within sixty (60) days of the birth. Children are covered under CBR until they reach Attained Age 22, when they may purchase, without evidence of insurability, a separate Policy with up to five (5) times the expiring Face Amount of the rider's coverage. When the youngest child reaches the maturity age, we will send a letter informing the client that the youngest child currently listed on the Policy record has reached maturity age, asking if they have other children to add, or would they prefer to terminate the rider.

Example: A number of units of CBR from 0-20 units may be purchased. Each unit equates to $1,000 of Death Benefit for each child. In the event a child dies before they reach Attained Age 22, units multiplied by $1,000 will be paid to the Insured or designated beneficiary.

Overloan Protection Rider

This rider, if certain conditions are met, provides the Owner the option to continue his/her Policy at a reduced Face Amount with no further Monthly Deductions.

Exercising this rider is subject to the following terms:

(1)  The Policy in force for at least, 15 Policy Years;

(2)  The Insured's Attained Age must be 65 or Older;

(3)  Partial Surrenders equal or exceed Premiums paid to AUL with respect to the Policy,

(4)  The amount of the loan plus loan interest must exceed 80%, which is the current Minimum Loan Indebtedness Percentage shown on the Rider Specifications Page, multiplied by the Cash Value, but it must be less than 99.9% of the Cash Value after the deduction of the Overloan Protection Rider Charge from the Account Value;

(5)  The Policy must not be a Modified Endowment Contract as defined in Section 7702A of the Internal Revenue code of 1986, or thereafter changed, and exercising this rider must not cause the Policy to become a Modified Endowment Contract; and

(6)  The Policy changes that result from exercising this rider must not lead to a Death Benefit that is not compliant with the Internal Revenue Code.

Further, the amount of the outstanding loan plus accrued loan interest must exceed 80%, which is the current Minimum Loan Indebtedness Percentage shown on the Rider Specifications Page of the Policy, multiplied by the Cash Value, but it must be less than 99.9% of the Cash Value after the deduction of the Overloan Protection Rider Charge from the Account Value. Once the

rider is exercised, the Total Face Amount will be equal to the Account Value, after the deduction of the Overloan Protection Rider Charge, multiplied by the Minimum Insurance Percentage shown in the Minimum Insurance Percentages table in the Owner's Policy.

There is no charge for this rider until it is exercised. Once exercised, there is a one-time charge. The Overloan Protection Rider Charge is equal to the Overloan Protection Rider Percentage, 98%, multiplied by the Account Value less any outstanding loan and loan interest at the time this Rider is exercised. There is no charge if the rider is never exercised.

In addition, once this rider is exercised, the Policy will become paid up life insurance and change in the following manner:

(1)  The Owner's Death Benefit option must be Option 1. If any other Death Benefit option is in effect at the time the Overloan Protection Rider is exercised, the Death Benefit option will be changed to Option 1 at that time;

(2)  No further changes may be made to the Policy, which includes any decreases or increases of any kind;

(3)  No further premiums will be accepted;

(4)  Policy loans and Partial Surrenders will no longer be permitted;

(5)  No further Monthly Deductions will be deducted;

(6)  The outstanding Loan Account will remain and the interest charged against the Loan Account will be equal to the interest rate credited to the Loan Account;

(7)  AUL will accept loan repayments. The value of the Loan Account and the total indebtedness will be reduced by the loan repayment. In addition, the Fixed Account will be increased by the loan repayment;

(8)  Any Guaranteed Death Benefit Provision included in the Policy or by rider attached to the Policy will no longer apply;

(9)  Any additional rider requiring a Monthly Deduction will automatically be terminated;

(10)  The Accelerated Death Benefit Terminal Illness Rider and the Accelerated Death Benefit Chronic Illness Rider will expire.

(11)  When the Overloan Protection Rider is exercised, all values in the Variable Account will immediately be transferred to the Fixed Account and will continue to grow at the then-current Fixed Account interest rate. Transfer fees will not be applied to these transfers; and

(12)  Transfers from the Fixed Account to the Variable Account will no longer be permitted.

Example: Policyholder Attained Age:				70
Account Value:				100,000
Loan Amount:				85,000
Loan Interest:				5,000
Rider Charge:				(100,000 – 85,000 – 5,000) * 98% = 9,800
Remaining Account Value:				100,000 – 85,000 – 5,000 -9,800 = 200
Guaranteed Interest Rate:				1.0%

 

Attained Age				Account Value				Death Benefit
70					200.00				273.33
71					202.00				271.96
72					204.02				270.68
73					206.06				269.49
74					208.12				268.41
75					210.20				267.43
76					212.30				266.55
77					214.43				265.77
78					216.57				265.08
79					218.74				264.49
80					220.92				264.00
81					223.13				263.62
82					225.37				263.35

Attained Age				Account Value				Death Benefit
83					227.62				263.19
84					229.89				263.17
85					232.19				263.27
86					234.52				263.53
87					236.86				263.95
88					239.23				264.53
89					241.62				265.29
90					244.04				266.22
91					246.48				267.29
92					248.94				268.48
93					251.43				269.76
94					253.95				271.05
95					256.49				272.27
96					259.05				273.35
97					261.64				273.84
98					264.26				273.56
99					266.90				272.24
100					269.57				269.57
101					272.27				272.27
102					274.99				274.99
103					277.74				277.74
104					280.52				280.52
105					283.32				283.32
106					286.15				286.15
107					289.02				289.02
108					291.91				291.91
109					294.82				294.82
110					297.77				297.77
111					300.75				300.75
112					303.76				303.76
113					306.80				306.80
114					309.86				309.86
115					312.96				312.96
116					316.09				316.09
117					319.25				319.25
118					322.45				322.45
119					325.67				325.67
120					328.93				328.93

Waiver of Monthly Deductions Disability Rider (WMDD)

This rider waives all Policy charges if the primary Insured becomes totally disabled. Charges to be waived: Asset-Based Charge, COI, Face Amount Charges, Admin Charges, and any rider charges. Monthly Deductions are waived for total disability following a six-month waiting period. Monthly Deductions made during this waiting period are re-credited to the Account Value upon the actual waiver of the Monthly Deductions. If disability occurs before Attained Age 60, Monthly Deductions are waived to Attained Age 121 as long as total disability continues. If disability occurs between Attained Ages 60 – 65, Monthly Deductions are waived as long as Insured remains totally disabled, but not beyond Attained Age 65.

The monthly Rider charge will be deducted proportionally from the Fixed and Variable Accounts. The monthly charge is calculated by taking the rider cost factor from the Policy Data Page and multiplying by the current Monthly Deduction (excluding the cost for this Rider). At the time the Rider is exercised, the Policy's Monthly Deductions will not be deducted from the Account Value, for as long as is specified by the Rider form.

Dollar Cost Averaging Program

The DCA Program, if elected, enables the Owner to transfer systematically and automatically, on a monthly basis, specified dollar amounts from the Vanguard Money Market Portfolio ("VMMP") to other Investment Accounts. By allocating on a regularly scheduled basis, as opposed to allocating the total amount at one particular time, the Owner may be less susceptible to the impact of market fluctuations. However, participation in the DCA Program does not assure a Contract Owner of greater profits from the purchases under the Program, nor will it prevent or necessarily alleviate losses in a declining market.

The Owner specifies the fixed dollar amount to be transferred automatically from the VMMP. At the time that the Owner elects the DCA Program, the Account Value in the VMMP from which transfers will be made must be at least $2,000.

The Owner may elect this DCA Program at the time of application by completing the authorization on the application or at any time after the Policy is issued by properly completing and returning the election form. Transfers made under the DCA Program will commence on the Monthiversary following the election.

Once elected, transfers from the VMMP will be processed until the value of the Investment Account is completely depleted or the Owner sends AUL Proper Notice instructing AUL to cancel the transfers.

Currently, transfers made under the DCA Program will not be subject to any transfer charge and will not count against the number of free transfers permitted in a Policy Year. AUL reserves the right to impose a $25 transfer charge for each transfer effected under a DCA Program. Owners can only elect one transfer program at a time. AUL also reserves the right to alter the terms or suspend or eliminate the availability of the Ongoing DCA Program at any time.

Portfolio Rebalancing Program

The Owner may elect to have the accumulated balance of each Investment Account redistributed to equal a specified percentage of the Variable Account. This will be done on a quarterly or annual basis from the Monthiversary on which the Portfolio Rebalancing Program commences.

Program Commences

If elected, this plan automatically adjusts the Owner's Investment Account mix to be consistent with the allocation most recently requested. The redistribution will not count toward the free transfers permitted each Policy Year. If the DCA Program has been elected, the Portfolio Rebalancing Program will not commence until the Monthiversary following the termination of the DCA Program.

The Owner may elect this Portfolio Rebalancing Program at the time of application by completing the authorization on the application or at any time after the Policy is issued by properly completing the election form and returning it to AUL. Modification of new money allocations will not, by itself, modify the Portfolio Rebalancing allocations.

Portfolio rebalancing will terminate when the Owner requests any transfer (which includes a loan transaction) or the day AUL receives Proper Notice instructing AUL to cancel the Portfolio Rebalancing Program. Portfolio Rebalancing is not available if the Owner chooses the Program, as annual rebalancing is independently a part of that Program.

Owners can only elect one transfer program at a time. AUL does not charge for this Portfolio Rebalancing Program. AUL reserves the right to alter the terms or suspend or eliminate the availability of Portfolio Rebalancing at any time.

Portfolio Optimization Program

The Program

Portfolio Optimization is an asset allocation program offered at no additional charge for use within this variable life Policy. Asset allocation refers to the manner in which investments are distributed among asset classes to help attain an investment goal.

For the Owner's variable life Policy, Portfolio Optimization can help with decisions about how the Owner should allocate the Owner's Account Value among available Portfolios. The theory behind Portfolio Optimization is that diversification among asset classes can help reduce volatility over the long term.

As part of the Program, several Portfolio Optimization Models have been developed. Mesirow Financial Investment Management, Inc., ("MFIM"), an independent entity unrelated to AUL, develops models for the Portfolio Optimization Program. There is an investment advisory relationship between MFIM and AUL, but there is no investment advisory relationship between MFIM and Owners of the Policy with respect to the Models. MFIM works on behalf of AUL, and not Owners, in developing the Models. Each of the models is based on different profiles of an investor's willingness to accept investment risk. If the Owner decides to subscribe to the Program and select one (1) of the Portfolio Optimization Models, the Owner's initial premium payment (in the case of a new application) or Account Value, as applicable, will be allocated to the Portfolios according to the Model the Owner selects. Subsequent premium payments, if allowed under the Owner's Contract, will also be allocated accordingly.

On an annual basis, AUL will rebalance the Owner's Account Value among the Portfolios that comprise the Model in order to maintain the target asset allocation percentages of the Model. If the Owner subscribes to Portfolio Optimization, the Owner's Account Value will automatically be reallocated in accordance with the Model the Owner selects as it is rebalanced.

The Portfolio Optimization Models

AUL offers five (5) asset allocation Models, each comprised of a combination of Portfolios. Portfolios are selected in a way intended to optimize potential returns for each Model, given a particular level of risk tolerance identified by the Owner.

This process could, in some cases, result in the inclusion of an Portfolio in a Model based on its specific asset class exposure or other specific optimization factors, even where another Portfolio may have better historical performance.

MFIM has created five Portfolio Optimization Models composed of one or more of the Portfolios: Conservative, Moderately Conservative, Moderate, Moderately Aggressive, and Aggressive. The following is a description of the Portfolios that comprise each Model and the target asset allocation to each Portfolio in each Model. Your registered representative can provide additional information about the Portfolio Optimization Models and help you select which Model, if any, may be suitable for you. Please talk to him or her if you have any additional questions about the Models.

								Model Type
Portfolio Name				Category				Conservative				Moderately Conservative				Moderate				Moderately Aggressive				Aggressive
Vanguard VIF Equity Index				Large Blend					4	%			6	%			8	%			8	%			10	%
American Funds IS®​ Growth 1				Large Growth					4	%			7	%			9	%			10	%			11	%
Vanguard VIF Equity Income				Large Value					4	%			7	%			9	%			10	%			12	%
Vanguard VIF Mid-Cap Index				Mid-Cap Blend					2	%			4	%			6	%			9	%			12	%
MFS®​ VIT New Discovery Init				Small Growth					0	%			0	%			2	%			3	%			3	%
DFA VA US Targeted Value				Small Value					0	%			2	%			3	%			4	%			4	%
Vanguard VIF Real Estate Index				Real Estate					0	%			2	%			4	%			6	%			8	%
American Funds IS®​ Intl Gr And Inc 1				Foreign Large Blend					3	%			6	%			10	%			13	%			15	%
Vanguard Total Intl Stock Idx Instl Sel				Foreign Large Blend					3	%			6	%			9	%			12	%			15	%
Invesco VI Core Plus Bond I				Intermediate Core-Plus Bond					25	%			19	%			13	%			9	%			4	%
Vanguard VIF Total Bond Mkt Idx				Intermediate Core-Plus Bond					24	%			18	%			13	%			9	%			4	%
Vanguard VIF High Yield Bond				High Yield Bond					6	%			5	%			4	%			2	%			0	%
DFA VIT Inflation-Protected Secs Instl				Inflation-Protected Bond					14	%			11	%			7	%			5	%			2	%
Vanguard VIF Money Market				Money Market-Taxable					11	%			7	%			3	%			0	%			0	%
Total									100	%			100	%			100	%			100	%			100	%
Weighted Average Portfolio Expense									0.29	%			0.29	%			0.30	%			0.31	%			0.30	%

Annual Rebalancing of the Portfolio Optimization Models

Your Account Value will be rebalanced annually by AUL in order to maintain the target asset allocation percentages of the Model. However, the target asset allocations of your Account Value in the Model you select will remain static.

If a Portfolio offered in a Model merges with another fund or is substituted by AUL, the new or surviving Portfolio will be added to the Model, and AUL will allocate your Account Value to the new Portfolio. If a Portfolio offered in a model is liquidated, AUL will reinvest the portion of the proceeds of such liquidation attributable to you in the Vanguard VIF Money Market Portfolio unless you select a new Portfolio.

Selecting a Portfolio Optimization Model

If the Owner chooses to subscribe to the Program, the Owner must determine which Portfolio Optimization Model is best for the Owner. Neither AUL nor MFIM will make this decision. The Owner should consult with his or her registered representative on this decision. The Owner's registered representative can help the Owner determine which Model is best suited to his or her financial needs, investment time horizon, and willingness to accept investment risk. The Owner should periodically review these factors with his or her registered representative to determine if the Owner should change Models to keep up with changes in the Owner's personal circumstances. The Owner's registered representative can assist the Owner in completing the proper forms to subscribe to the Program or to change to a different Model. The Owner may, in consultation with his or her registered representative, utilize analytical tools made available by AUL, including an investor profile questionnaire, which asks questions intended to help the Owner or his or her registered representative assess his or her financial needs, investment time horizon, and willingness to accept investment risk. It is the Owner's decision, in consultation with the Owner's registered representative, to select a Model or to change to a different Model, and neither AUL nor MFIM bear any responsibility for this decision. The Owner may change to a different Model at any time with a proper written request or by telephone or electronic instructions provided a valid telephone/electronic authorization is on file with AUL.

Quarterly Reports

If the Owner selects a Portfolio Optimization Model, the Owner will be sent a quarterly report that provides information about the Portfolios within the Owner's selected Model, in addition to or as part of the Owner's usual quarterly statement.

Risks

Although the Models are designed to optimize returns given the various levels of risk, there is no assurance that a Model will not lose money or that investment results will not experience volatility. Investment performance of the Owner's Account Value could be better or worse by participating in a Portfolio Optimization Model than if the Owner has not participated. A Model may perform better or worse than any single Portfolio or asset class or other combinations of Portfolios or asset classes. Model performance is dependent upon the performance of the component Portfolios. The timing of the Owner's investment and the rebalancing may affect performance. The Owner's Account Value will fluctuate, and when redeemed, may be worth more or less than the original cost.

A Portfolio Optimization Model may not perform as intended. Although the Models are intended to optimize returns given various levels of risk tolerance, portfolio, market and asset class performance may differ in the future from the historical performance and assumptions upon which the Models are based, which could cause the Models to be ineffective or less effective in reducing volatility.

Periodic rebalancing of the Portfolio Optimization Models can cause the underlying Portfolios to incur transactional expenses to raise cash for money flowing out of the Portfolios or to buy securities with money flowing into the Portfolios. These expenses can adversely affect performance of the pertinent Portfolios and the Models.

The Owner may change the Owner's Model selection at any time with Proper Notice. The Owner should consult with the Owner's registered representative to assist the Owner in determining which Model is best suited to the Owner's financial needs, investment time horizon, and is consistent with the Owner's risk comfort level. The Owner should periodically review those factors to determine if the Owner needs to change Models to reflect such changes. The Owner's registered representative can assist the Owner in completing the proper forms to enroll in Portfolio Optimization. Newly issued Contracts may require participation in the Program.

AUL is under no contractual obligation to continue this service and has the right to terminate the Program at any time. If AUL terminates the Program, you will remain invested in the same Portfolios until you select new Portfolios.

CASH BENEFITS

Policy Loans

Prior to the death of the Insured, the Owner may borrow against the Owner's Policy by submitting Proper Notice to the Home Office at any time after the end of the "Right to Examine" period while the Policy is not in the Grace Period. The Policy is assigned to AUL as the sole security for the loan. An Owner may opt for a Policy loan to access the Account Value without incurring adverse tax consequences associated with a Partial Surrender because Policy loans generally would not be treated as taxable distributions unless your Policy is a Modified Endowment Contract, but if the Owner surrender the Policy, the Owner may be subject to income tax on the portion of the distribution that exceeds the investment in the Policy. The minimum amount of a new loan is $500. The maximum amount of a new loan is:

1.  90 percent of the Account Value; less

2.  any loan interest due on the next Policy Anniversary; less

3.  any applicable Surrender Charges; less

4.  three months of Monthly Deductions; less

5.  any existing loans and accrued loan interest.

The minimum and/or maximum loan amount may vary by state. Outstanding loans reduce the amount available for new loans. Policy loans will be processed as of the date the Owner's Proper Notice is received. Loan proceeds generally will be sent to the Owner within seven (7) calendar days. For more information, see "When Proceeds Are Paid."

Interest

AUL will charge interest on any outstanding loan at an annual rate of 4.75 percent for the first five (5) Policy Years and 4.25% thereafter. Interest is due and payable on each Policy Anniversary while a loan is outstanding. If interest is not paid when due, the amount of the interest is added to the loan and becomes part of the loan.

Loan Collateral

When a Policy loan is made, an amount sufficient to secure the loan is transferred out of the Investment Accounts and the Fixed Account and into the Policy's Loan Account. Thus, a loan will have no immediate effect on the Account Value, but the Cash Surrender Value will be reduced immediately by the amount transferred to the Loan Account. The Owner can specify the Investment Accounts from which collateral will be transferred. If no allocation is specified, collateral will be transferred from each Investment Account and from the Fixed Account in the same proportion that the Account Value in each Investment Account and the Fixed Account bears to the total Account Value in those accounts on the date that the loan is made. Due and unpaid interest will be transferred each Policy Anniversary from each Investment Account and the Fixed Account to the Loan Account in the same proportion that each Investment Account Value and the Fixed Account bears to the total unloaned Account Value. The amount AUL transfers will be the amount by which the interest due exceeds the interest which has been credited on the Loan Account.

The Loan Account will be credited with interest daily at an effective annual rate of not less than 4.25 percent. Any interest credited in excess of the minimum guaranteed rate is not guaranteed.

Loan Repayment; Effect if Not Repaid

The Owner may repay all or part of the Owner's loan at any time while the Insured is living and the Policy is in force. Loan repayments must be sent to the Home Office and will be credited as of the date received. A loan repayment must be clearly marked as "loan repayment" or it will be credited as a premium, unless the premium would cause the Policy to fail to meet the federal tax definition of a life insurance contract in accordance with the Internal Revenue Code. Loan repayments, unlike premium payments, are not subject to premium expense charges. When a loan repayment is made, Account Value in the Loan Account in an amount equivalent to the repayment is transferred from the Loan Account to the Investment Accounts and the Fixed Account. Thus, a loan repayment will have no immediate effect on the Account Value, but the Cash Surrender Value will be increased immediately by the amount of the loan repayment. Loan repayment amounts will be transferred to the Investment Accounts and the Fixed Account according to the premium allocation instructions in effect at that time.

If the Death Benefit becomes payable while a loan is outstanding, any outstanding loan and loan interest will be deducted in calculating the Death Benefit Proceeds. See "Amount of Death Benefit Proceeds."