Eagle Life Insurance Company Confinement Care Rider – Waiver of Surrender Charges for Qualified Care Center Confinement

Exhibit 4.(iii)

This Rider is a part of the Base Contract.  Rider(s), Base Contract and attached Application make up the entire Contract.  Base Contract No.: XXXXXX

After the third Contract Year You may take one additional Penalty-free Withdrawal of up to 100%* of Your Contract Value if the Annuitant is confined in a Qualified Care Center and said confinement is an initial confinement occurring after the end of the third Contract Year.  The confinement must be for at least 90 consecutive days and We must receive written confirmation of said confinement from the Qualified Care Center and a written recommendation/referral for such confinement from the Annuitant’s Qualified Physician.

*If the initial confinement occurs in the second or third Contract Year Your Penalty-free Withdrawal percentage set forth in Your Base Contract increases to 20% annually.

All other Limitations under the Base Contract apply.

When We use these words, We mean:

Qualified Care Centers are health care centers licensed and operated according to laws of their location and for the purposes of this Rider consist of the following:

Skilled Nursing Center—means a center:

1.   That provides skilled nursing care supervised by a licensed physician; and

2.   Provides 24 hour-a-day nursing care by, or supervised by, an R.N; and

3.   Keeps a daily medical record of each patient.

Intermediate Care Center—means a center:

1.   That provides 24 hour-a-day nursing care by, or supervised by, an R.N. or an L.P.N; and

2.   Keeps a daily medical record of each patient.

Hospital—means a center:

1.   That operates for the care and treatment of sick or injured persons as inpatients; and

2.   Provides 24 hour-a-day nursing care by, or supervised by, an R.N; and

3.   Is supervised by a staff of licensed physicians; and

4.   Has medical, diagnostic and major surgical capabilities or access to such capabilities.

Hospice—means a center:

1.               That provides a formal program for a terminally ill patient whose life expectancy is less than 6 months, provided on an inpatient basis directed by a Qualified Physician; and

2.               Is licensed, certified or registered as a Hospice in accordance with state laws.

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Qualified Care Centers do NOT include:

1.              Drug or alcohol treatment centers.

2.              Homes for the aged or mentally ill, community living centers, or places that primarily provide domiciliary, residency or retirement care.

3.              Places that are owned or operated by a member of the Annuitant’s immediate family.

All other definitions in the Base Contract, apply to this Rider.

Rider terminates on earliest of the date:

1.               The Base Contract matures.

2.               The Base Contract terminates.

3.               You take Your additional Withdrawal under this Rider; or

4.               The Annuitant dies.*

* If the Annuitant is the Owner, the beneficiary under the Base Contract is the Annuitant’s spouse, the spouse opts to become the new Owner, and You have not taken Your additional Withdrawal under this Rider, then this Rider will remain in effect under the Ownership of the surviving spouse.

Unless stated otherwise, all provisions and limitations of the Base Contract apply to this Rider.

EAGLE LIFE INSURANCE COMPANY

WEST DES MOINES, IOWA

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