HEALTH CARE PROFESSION RIDER

Terms Used This rider is issued by us as part of the policy to which it is attached and is subject to the
provisions of the policy, except as may be modified or amended by this rider. Any
modification or amendment made by this rider is only in effect while this rider is in force.
The terms used in this rider have the same meaning as indicated in the policy, unless
otherwise specified or required in the context of the following rider provisions.

Rider Date The Rider Date will be the same as the Policy Date, if this rider is included in the policy
when it is first issued by us. Otherwise, the Rider Date will be such later date as
established by the amendment to the contract to include this rider. The Rider Date is used
to determine duration, premium due dates, anniversaries and your age with respect to this
rider.

Infected Condition Infected Condition means that you are infective with one or more of:
a) Human Immunodeficiency Virus (HIV);
b) Hepatitis B virus; or
c) Hepatitis C virus.

Medical/Dental Medical/Dental Licensing Body means a Canadian organization or association with the
Licensing Body authority to issue a license or certificate permitting you to practice your Regular
Occupation in the province or territory in which you conduct your practice.

Medical/Dental Medical/Dental Regulatory Body means a Canadian organization or association which

Regulatory Body regulates the professional conduct of its membership and for which membership is a
prerequisite to obtaining a license or certificate permitting you to practice the duties of
your Regular Occupation.

Law Law means any statute or regulation of the federal, a provincial or a territorial government
of Canada pertaining to the provision of health care services.

Total Disability For the purposes of this rider, we will consider you Totally Disabled due to Sickness while,
as a direct result of an Infected Condition, you are and remain prohibited from performing
the substantial duties of your Regular Occupation by Law or by a written policy of general
application of a Medical/Dental Regulatory Body or Medical/Dental Licensing Body.

Residual Disability While the Residual Disability Rider is in force, we will for the purposes of this rider,
and Residually consider you Residually Disabled due to Sickness if, as a direct result of an Infected
Disabled Condition, you are and remain:
a) prohibited from performing one or more of the substantial duties of your Regular
Occupation; or
b) required to disclose an Infected Condition to patients,
by Law or by written policy of general application of a Medical/Dental Regulatory Body or
Medical/Dental Licensing Body.

Disability Benefit During a Period of Disability resulting directly from an Infected Condition, the Disability
Benefit payable at the end of the calendar month, is:
a) the Disability Benefit as set out under the Disability Benefit provision of the basic
policy, if you have been Totally Disabled without interruption during the calendar
month; or
b) the Disability Benefit for Residual Disability as set out under the Disability Benefit
provision of the Residual Disability Rider, if you have been Residually Disabled
without interruption during the calendar month.

(Continued on the back.)

This rider should be kept with the policy.

17080 – 10/05
 HEALTH CARE PROFESSION RIDER (continued)

Payment of The Disability Benefit will become payable from the later of:
Disability Benefit a) the date you are considered to be Totally Disabled or Residually Disabled under
the provisions of this rider due directly to an Infected Condition; and
b) the date we receive notice of claim for Disability due directly to an Infected
Condition.

The Disability Benefit will be payable in accordance with the Payment of Disability Benefit
provision in the basic policy, except:
a) you will not be required to satisfy the Waiting Period; and
b) you will not be required to be receiving medical care from a Doctor that is of an
appropriate nature and frequency for the Disability.

Despite anything to the contrary, the Disability Benefit will not be payable beyond the
Expiry Date.

Rider Premium We reserve the right to increase the Yearly Premium for this rider on any policy
and Premium anniversary on which the previous Yearly Premium was zero. After any such increase, the
Adjustment Yearly Premium may only be increased at the end of each successive 5 year period. The
premium is guaranteed to remain level during each such
5 year period.

Any premium for this rider is payable at the same time and in the same manner and in
addition to the premium for the basic policy. Any premium is payable on the same terms
and conditions as the premium for the basic policy and for the Premium Period for this
rider shown on the Policy Details page.

Rider Termination Subject to the provisions of the basic policy and any riders and benefits included in the
contract, this rider will terminate on the earliest of the following dates:
a) the monthly anniversary following the date on which we receive the Owner’s
Written Request for termination of this rider;
b) the Expiry Date;
c) the date of your death; and
d) the date on which the policy terminates for any other reason.

THE CANADA LIFE ASSURANCE COMPANY

R. L. McFeetors, S. A. Wagar,
President and Chief Executive Officer Secretary

This rider should be kept with the policy.

17080 – 10/05