EX-99.A5(a)(4)
[TIAA CREF LOGO] TIAA-CREF Life Insurance Company
730 Third Avenue
New York, NY 10017-3206
212 490-9000 1 800 223-1200
GUARANTEED MINIMUM DEATH BENEFIT RIDER
Under this rider, your policy and any other riders you've added to it will
remain in force even if the cash surrender value is less than the monthly charge
when it's due if you satisfy this rider's premium requirement. This rider
requires that the total premium payments you've made are equal to or greater
than:
- the total monthly guaranteed minimum death benefit premiums for each
monthly charge date starting with the policy date
- plus any outstanding loan amount
- plus the total withdrawals you've made.
You'll find the initial monthly guaranteed minimum death benefit premium for the
duration that you have selected in Section 1 of your policy. This premium may
change if the face amount is changed, you change your death benefit option or
the insured's underwriting class, or you change any riders. If it changes, we'll
send you a new policy page showing the new monthly guaranteed minimum death
benefit premium. The effective date of the new premium will be the effective
date of the change to the face amount, death benefit option, underwriting class
or rider.
IF YOU DON'T PAY ENOUGH PREMIUMS
If, on any monthly charge date, the total premium payments you've made to date
are less than the premiums required as described above, this rider will not
lapse. However, this rider will not provide any additional benefit until you
make the premium payments needed to satisfy this rider's premium requirements.
If the cash surrender value is less than the monthly charge when its due and you
do not satisfy this rider's premium requirement, your policy may be in danger
of lapsing. We'll give you another 61 days to make any payment that's needed
before your policy lapses. You'll find more about lapsing in ABOUT LAPSING.
CHARGES
To keep this rider in force, you must pay a required minimum premium that is
based on the duration of the rider selected. The duration of the rider that you
have chosen and the required minimum premium that you must pay to keep it in
force can be found in Section 1.
WHEN THIS RIDER BEGINS
We've issued this rider because you asked us on your application to add it to
your policy. The rider is attached to your policy, it forms part of your policy,
and the terms of the policy apply to it. The rider's issue date is the same as
your policy's issue date, and coverage under this rider starts on the policy
date. You'll find the issue date and policy date in Section 1 of your policy.
This rider doesn't have any policy value, and we don't use it to calculate how
much you can borrow from your policy.
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WHEN THIS RIDER WILL END
Your coverage under this rider will end on one of the following dates, whichever
comes first:
o the rider's expiration date, shown in Section 1 of your policy
o the date the policy's grace period ends and you haven't made the payment
that's needed
o the date you end or surrender this policy
o the date we receive at our administrative office your request in a form
satisfactory to us to end or surrender this rider
If this rider ends, you can't reinstate it.
TIAA-CREF LIFE INSURANCE COMPANY
ADMINISTRATIVE OFFICE
730 THIRD AVENUE
730 THIRD AVENUE
NEW YORK, NY (10017-3206)
(1-800-223-1200)
/s/ Mark L. Serlen /s/ Bertram L. Scott
- ------------------------ --------------------
Secretary President
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