OWN OCCUPATION 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.

Regular Despite anything to the contrary, under the definition of Regular Occupation Period in the
Occupation Period Benefits provision of the basic policy, the Regular Occupation Period will end on the
earlier of:
a) the date the Benefit Period ends; and
b) the Expiry Date.

Own Occupation Despite anything to the contrary, under the definition of Total Disability and Totally
Protection Disabled in the Benefits provision of the basic policy, you will be considered to be Totally
Disabled even if you engage in any other Gainful Occupation.

Rider Premium This rider is included in the policy in consideration for the payment of the Yearly Premium
for this rider shown on the Policy Details page. The 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.
The 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.

17121 – 5/07