Common use of After the Monthly Deduction End Date Clause in Contracts

After the Monthly Deduction End Date. Provided the policy is still In Force, coverage will continue on and after the Monthly Deduction End Date, subject to all policy provisions, with these exceptions and clarifications: • Monthly Deductions will cease • Premiums will not be accepted • Loans will be allowed • Loan repayments will be permitted • Loan interest will continue to accrue • Withdrawals will not be allowed Annual Report — A report will be mailed to your last known address no less frequently than annually. This report will show: • The beginning and end dates of the reporting period • The Accumulated Value at the beginning and end of the reporting period • Amounts that have been credited or debited to the Accumulated Value during the reporting period, identified by type • The Death Benefit at the end of the reporting period on each life covered by the policy • The Net Cash Surrender Value at the end of the reporting period • Any Policy Debt outstanding at the end of the reporting period • Any other information required by law In addition to the above report, we will also mail you an annual report containing financial statements for the Separate Account and the designated investment company or companies or other designated portfolio(s) in which the Separate Account invests. The latter report will include a list of the portfolio securities of the investment company, or of any other designated portfolio, as required by the Investment Company Act of 1940. We will also send any other reports as required by federal securities law. Policy Illustrations — Upon request we will give you a hypothetical illustration of the future benefits under this policy based upon both guaranteed and current cost factor assumptions. Such illustrations reflect assumptions about the policy’s non-guaranteed elements and about how you will use the policy’s options. Over time the policy’s actual non-guaranteed elements, and your actual use of the policy’s options, are likely to vary from the assumptions used in such illustrations. For these reasons, actual policy values will likely be more or less favorable than shown in such illustrations. We reserve the right to charge a fee not to exceed $25 for each illustration in excess of one per policy year. Juvenile Insured — This provision only applies if the Insured was under Age 20 on the Policy Date. Beginning when the Insured attains Age 20, you will have an opportunity to improve your policy’s Risk Class as compared with the Risk Class that applied prior to Age 20. This may reduce the actual Cost of Insurance Charge that is deducted from your policy’s Accumulated Value. At least 60 days prior to the Insured’s Age 20, we will send to your last known address a notice of your right to apply for an improved Risk Class for the Insured of “Nonsmoker”. In order to qualify for such improved Risk Class, you will be required to supply Evidence of Insurability. In order for such improved Risk Class to take effect at Age 20, you must make the Written Request prior to Age 20. If you do not request an improved Risk Class for the Insured, a Risk Class of “Smoker” will be assigned.

After the Monthly Deduction End Date. Provided the policy is still In Force, coverage will continue on and after the Monthly Deduction End Date, subject to all policy provisions, with these exceptions and clarifications: • Monthly Deductions will cease • Premiums will not be accepted • Loans will be allowed • Loan repayments will be permitted • Loan interest will continue to accrue • Withdrawals will not be allowed Annual Report — A report will be mailed to your last known address no less frequently than annually. This report will show: • The beginning and end dates of the reporting period • The Accumulated Value at the beginning and end of the reporting period • Amounts that have been credited or debited to the Accumulated Value during the reporting period, identified by type • The Death Benefit at the end of the reporting period on each life covered by the policy • The Net Cash Surrender Value at the end of the reporting period • Any Policy Debt outstanding at the end of the reporting period • Any other information required by law In addition to the above report, we will also mail you an annual report containing financial statements for the Separate Account and the designated investment company or companies or other designated portfolio(s) in which the Separate Account invests. The latter report will include a list of the portfolio securities of the investment company, or of any other designated portfolio, as required by the Investment Company Act of 1940. We will also send any other reports as required by federal securities law. Policy Illustrations — Upon request we will give you a hypothetical illustration of the future benefits under this policy based upon both guaranteed and current cost factor assumptions. Such illustrations reflect assumptions about the policy’s non-guaranteed elements and about how you will use the policy’s options. Over time the policy’s actual non-guaranteed elements, and your actual use of the policy’s options, are likely to vary from the assumptions used in such illustrations. For these reasons, actual policy values will P09MVP likely be more or less favorable than shown in such illustrations. We reserve the right to charge a fee not to exceed $25 for each illustration in excess of one per policy year. Juvenile Insured — This provision only applies if the Insured was under Age 20 on the Policy Date. Beginning when the Insured attains Age 20, you will have an opportunity to improve your policy’s Risk Class as compared with the Risk Class that applied prior to Age 20. This may reduce the actual Cost of Insurance Charge that is deducted from your policy’s Accumulated Value. At least 60 days prior to the Insured’s Age 20, we will send to your last known address a notice of your right to apply for an improved Risk Class for the Insured of “Nonsmoker”. In order to qualify for such improved Risk Class, you will be required to supply Evidence of InsurabilityInsurability satisfactory to us. In order for such improved Risk Class to take effect at Age 20, you must make the Written Request prior to Age 20. If you do not request an improved Risk Class for the Insured, a Risk Class of “Smoker” will be assigned.

After the Monthly Deduction End Date. Provided the policy is still In Force, coverage will continue on and after the Monthly Deduction End Date, subject to all policy provisions, with these exceptions and clarifications: • Monthly monthly Deductions will cease cease; • Premiums premiums will not be accepted accepted; • Loans loans will be allowed allowed; • Loan loan repayments will be permitted permitted; • Loan loan interest will continue to accrue accrue; and • Withdrawals withdrawals will not be allowed allowed; Annual Report — A report will be mailed to your last known address no less frequently than annually. This report will show: • The the beginning and end dates of the reporting period period; • The the Accumulated Value at the beginning and end of the reporting period period; • Amounts amounts that have been credited or debited to the Accumulated Value during the reporting period, identified by type type; • The the Death Benefit at the end of the reporting period on each life covered by the policy policy; • The the Net Cash Surrender Value at the end of the reporting period period; • Any any Policy Debt outstanding at the end of the reporting period period; and • Any any other information required by law law. In addition to the above report, we will also mail you an annual report containing financial statements for the Separate Account and the designated investment company or companies or other designated portfolio(s) in which the Separate Account invests. The latter report will include a list of the portfolio securities of the investment company, or of any other designated portfolio, as required by the Investment Company Act of 1940. We will also send any other reports as required by federal securities law. Policy Illustrations — Upon request we will give you a hypothetical illustration of the future benefits under this policy based upon both guaranteed and current cost factor assumptions. Such illustrations reflect assumptions about the policy’s non-guaranteed elements and about how you will use the policy’s options. Over time the policy’s actual non-guaranteed elements, and your actual use of the policy’s options, are likely to vary from the assumptions used in such illustrations. For these reasons, actual policy values will likely be more or less favorable than shown in such illustrations. We reserve the right to charge a fee not to exceed $25 for each illustration in excess of one per policy year. Juvenile Insured — This provision only applies if the Insured was under Age 20 on the Policy Date. Beginning when the Insured attains Age 20, you will have an opportunity to improve your policy’s Risk Class as compared with the Risk Class that applied prior to Age 20. This may reduce the actual Cost of Insurance Charge that is deducted from your policy’s Accumulated Value. At least 60 days prior to the Insured’s Age 20, we will send to your last known address a notice of your right to apply for an improved Risk Class for the Insured of “Nonsmoker”. In order to qualify for such improved Risk Class, you will be required to supply Evidence of InsurabilityInsurability satisfactory to us. In order for such improved Risk Class to take effect at Age 20, you must make the Written Request prior to Age 20. If you do not request an improved Risk Class for the Insured, a Risk Class of “Smoker” will be assigned.