Guaranteed Death Benefit Endorsement to Insurance Contract – Return of Premium Guarantee (Cincinnati Life Insurance Company)
This endorsement is part of an insurance contract issued by a Cincinnati-based company. It guarantees that the death benefit paid will never be less than the total premiums paid, reduced proportionally for withdrawals and certain charges. The guarantee is adjusted for withdrawals, rider charges, and taxes, but not for early withdrawal charges. This endorsement modifies the original contract only as specified and takes precedence if there is any conflict with other contract terms.
EXHIBIT 4(C)(10)
Home Office: Cincinnati, Ohio
Administrative Office: [P.O. Box 5423, Cincinnati, Ohio ###-###-####]
GUARANTEED DEATH BENEFIT ENDORSEMENT
Death Benefit Value – Return of Premium Guarantee
The Death Benefit Value of this Contract will never be less than the Return of Premium Guarantee. The Return of Premium Guarantee is equal to the Purchase Payments; reduced proportionally for each withdrawal, including withdrawals to pay rider charges, but not including amounts applied to pay Early Withdrawal Charges.
The proportional reduction for a withdrawal is based on the amount of the withdrawal as a percentage of the Account Value immediately before the withdrawal.
The Return of Premium Guarantee is reduced by:
| 1) | rider charges not previously deducted; and |
| 2) | premium tax or other taxes not previously deducted. |
This is part of your Contract. It is not a separate contract. It changes the Contract only as and to the extent stated. In all cases of conflict with the other terms of the Contract, the provisions of this Endorsement shall control.
Signed for us at our office as of the date of issue.
 |  | |
| MARK F. MUETHING | JOHN P. GRUBER | |
| EXECUTIVE VICE PRESIDENT | SECRETARY |
