Exhibit 4.l

Fidelity & Guaranty Life Insurance Company

SPECIFICATIONS PAGE–FREE WITHDRAWAL

 

 

Free Withdrawal Start Year: Contract Year [1]

 

Contract Year		Free Withdrawal Percentage		Free Withdrawal Basis
[1]		[5%]		[Premium]
[2]		[10%]		[Premium]
[3]		[10%]		[Account Value at beginning of Contract Year]
[4]		[10%]		[Account Value at beginning of Contract Year]
[5]		[10%]		[Account Value at beginning of Contract Year]
[6]		[10%]		[Account Value at beginning of Contract Year]
[7]		[10%]		[Account Value at beginning of Contract Year]
[8]		[10%]		[Account Value at beginning of Contract Year]
[9]		[10%]		[Account Value at beginning of Contract Year]
[10]+		[100%]		[Account Value]

 

[1]

SPEC-RILA-FW (05-22)