Common use of ANNUITY COMMENCEMENT DATE Clause in Contracts

ANNUITY COMMENCEMENT DATE. Annuity payouts will begin no later than the Annuitant’s 99th birthday if no Payout Election Date has been established. If Installments have begun under the Rider, only the Investment Strategy will be annuitized. If Installments have not begun under the Rider, then the entire Account Value will be annuitized at that time and any benefit under the Rider will terminate. ICC16-J100 17 Variable Life Annuity Table FEMALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without Guaranteed With Guaranteed Period Age of Without Guaranteed With Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.09 $3.09 $3.09 $3.08 71 $5.14 $5.11 $5.01 $4.83 46 $3.13 $3.13 $3.13 $3.12 72 $5.31 $5.27 $5.15 $4.94 47 $3.17 $3.17 $3.17 $3.16 73 $5.48 $5.44 $5.30 $5.05 48 $3.21 $3.21 $3.21 $3.20 74 $5.68 $5.62 $5.46 $5.16 49 $3.26 $3.26 $3.25 $3.24 75 $5.88 $5.82 $5.62 $5.27 50 $3.30 $3.30 $3.30 $3.29 76 $6.11 $6.03 $5.79 $5.38 51 $3.35 $3.35 $3.34 $3.33 77 $6.35 $6.25 $5.97 $5.49 52 $3.40 $3.40 $3.39 $3.38 78 $6.61 $6.49 $6.15 $5.59 53 $3.46 $3.45 $3.45 $3.43 79 $6.89 $6.74 $6.33 $5.69 54 $3.51 $3.51 $3.50 $3.48 80 $7.19 $7.01 $6.52 $5.78 55 $3.57 $3.57 $3.56 $3.54 81 $7.52 $7.30 $6.71 $5.87 56 $3.63 $3.63 $3.62 $3.60 82 $7.88 $7.61 $6.90 $5.95 57 $3.70 $3.70 $3.68 $3.66 83 $8.27 $7.94 $7.09 $6.03 58 $3.77 $3.76 $3.75 $3.72 84 $8.70 $8.28 $7.27 $6.09 59 $3.84 $3.83 $3.82 $3.78 85 $9.17 $8.64 $7.45 $6.15 60 $3.92 $3.91 $3.89 $3.85 86 $9.67 $9.01 $7.61 $6.21 61 $4.00 $3.99 $3.97 $3.92 87 $10.20 $9.39 $7.77 $6.25 62 $4.08 $4.07 $4.05 $4.00 88 $10.76 $9.76 $7.92 $6.29 63 $4.17 $4.16 $4.13 $4.08 89 $11.36 $10.14 $8.06 $6.33 64 $4.27 $4.26 $4.22 $4.16 90 $11.97 $10.52 $8.18 $6.36 65 $4.37 $4.36 $4.32 $4.24 91 $12.62 $10.89 $8.30 $6.38 66 $4.48 $4.46 $4.42 $4.33 67 $4.60 $4.58 $4.52 $4.43 68 $4.72 $4.70 $4.64 $4.52 69 $4.85 $4.83 $4.76 $4.62 70 $4.99 $4.96 $4.88 $4.72 ICC16-J100 18 Variable Life Annuity Table MALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without Guaranteed With Guaranteed Period Age of Without Guaranteed With Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.17 $3.17 $3.16 $3.16 71 $5.43 $5.38 $5.24 $4.99 46 $3.21 $3.21 $3.20 $3.19 72 $5.61 $5.55 $5.39 $5.09 47 $3.25 $3.25 $3.25 $3.24 73 $5.80 $5.74 $5.54 $5.20 48 $3.30 $3.30 $3.29 $3.28 74 $6.01 $5.93 $5.70 $5.30 49 $3.34 $3.34 $3.34 $3.32 75 $6.24 $6.15 $5.86 $5.41 50 $3.39 $3.39 $3.38 $3.37 76 $6.49 $6.37 $6.03 $5.51 51 $3.45 $3.44 $3.43 $3.42 77 $6.75 $6.61 $6.21 $5.61 52 $3.50 $3.50 $3.49 $3.47 78 $7.04 $6.86 $6.38 $5.70 53 $3.56 $3.55 $3.54 $3.52 79 $7.34 $7.13 $6.56 $5.79 54 $3.62 $3.61 $3.60 $3.58 80 $7.67 $7.40 $6.74 $5.88 55 $3.68 $3.68 $3.66 $3.64 81 $8.02 $7.69 $6.92 $5.95 56 $3.75 $3.74 $3.73 $3.70 82 $8.39 $8.00 $7.10 $6.03 57 $3.82 $3.82 $3.80 $3.76 83 $8.78 $8.31 $7.27 $6.09 58 $3.90 $3.89 $3.87 $3.83 84 $9.21 $8.64 $7.43 $6.15 59 $3.98 $3.97 $3.94 $3.90 85 $9.66 $8.98 $7.60 $6.20 60 $4.06 $4.05 $4.02 $3.97 86 $10.15 $9.34 $7.75 $6.25 61 $4.15 $4.14 $4.11 $4.05 87 $10.69 $9.70 $7.90 $6.29 62 $4.24 $4.23 $4.20 $4.13 88 $11.25 $10.07 $8.04 $6.33 63 $4.34 $4.33 $4.29 $4.22 89 $11.84 $10.44 $8.17 $6.36 64 $4.45 $4.44 $4.39 $4.30 90 $12.49 $10.82 $8.29 $6.38 65 $4.56 $4.55 $4.49 $4.39 91 $13.15 $11.19 $8.40 $6.40 66 $4.69 $4.66 $4.60 $4.49 67 $4.81 $4.79 $4.72 $4.58 68 $4.95 $4.92 $4.84 $4.68 69 $5.10 $5.06 $4.96 $4.78 70 $5.26 $5.22 $5.10 $4.88 ICC16-J100 19 GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY [8515 Eaxx Xxxxxxx Xxxx Xxxxxxxxx Xxxxxxx, XX 00000] XNDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be made until the Annuity Commencement Date or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuit y Account Value or the Investment Strategy Account Value according to the Payout Options provisions. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non-participating and is not eligible to share in the Company’s divisible surplus.

ANNUITY COMMENCEMENT DATE. Annuity payouts will begin no later than the Annuitant’s 99th birthday if no Payout Election Date has been established. If Installments have begun under the Rider, only the Investment Strategy will be annuitized. If Installments have not begun under the Rider, then the entire Account Value will be annuitized at that time and any benefit under the Rider will terminate. ICC16J100-J100 ny 17 Variable Life Annuity Table FEMALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Annuitant Without Guaranteed period With Guaranteed Period Age of Without Guaranteed period With Guaranteed Period Annuitant period 5 years 10 years 15 years Age of Annuitant period 5 years 10 years 15 years 45 $3.09 $3.09 $3.09 $3.08 71 $5.14 $5.11 $5.01 $4.83 46 $3.13 $3.13 $3.13 $3.12 72 $5.31 $5.27 $5.15 $4.94 47 $3.17 $3.17 $3.17 $3.16 73 $5.48 $5.44 $5.30 $5.05 48 $3.21 $3.21 $3.21 $3.20 74 $5.68 $5.62 $5.46 $5.16 49 $3.26 $3.26 $3.25 $3.24 75 $5.88 $5.82 $5.62 $5.27 50 $3.30 $3.30 $3.30 $3.29 76 $6.11 $6.03 $5.79 $5.38 51 $3.35 $3.35 $3.34 $3.33 77 $6.35 $6.25 $5.97 $5.49 52 $3.40 $3.40 $3.39 $3.38 78 $6.61 $6.49 $6.15 $5.59 53 $3.46 $3.45 $3.45 $3.43 79 $6.89 $6.74 $6.33 $5.69 54 $3.51 $3.51 $3.50 $3.48 80 $7.19 $7.01 $6.52 $5.78 55 $3.57 $3.57 $3.56 $3.54 81 $7.52 $7.30 $6.71 $5.87 56 $3.63 $3.63 $3.62 $3.60 82 $7.88 $7.61 $6.90 $5.95 57 $3.70 $3.70 $3.68 $3.66 83 $8.27 $7.94 $7.09 $6.03 58 $3.77 $3.76 $3.75 $3.72 84 $8.70 $8.28 $7.27 $6.09 59 $3.84 $3.83 $3.82 $3.78 85 $9.17 $8.64 $7.45 $6.15 60 $3.92 $3.91 $3.89 $3.85 86 $9.67 $9.01 $7.61 $6.21 61 $4.00 $3.99 $3.97 $3.92 87 $10.20 $9.39 $7.77 $6.25 62 $4.08 $4.07 $4.05 $4.00 88 $10.76 $9.76 $7.92 $6.29 63 $4.17 $4.16 $4.13 $4.08 89 $11.36 $10.14 $8.06 $6.33 64 $4.27 $4.26 $4.22 $4.16 90 $11.97 $10.52 $8.18 $6.36 65 $4.37 $4.36 $4.32 $4.24 91 $12.62 $10.89 $8.30 $6.38 66 $4.48 $4.46 $4.42 $4.33 67 $4.60 $4.58 $4.52 $4.43 68 $4.72 $4.70 $4.64 $4.52 69 $4.85 $4.83 $4.76 $4.62 70 $4.99 $4.96 $4.88 $4.72 ICC16J100-J100 ny 18 Variable Life Annuity Table MALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Annuitant Without Guaranteed period With Guaranteed Period Age of Without Guaranteed period With Guaranteed Period Annuitant period 5 years 10 years 15 years Age of Annuitant period 5 years 10 years 15 years 45 $3.17 $3.17 $3.16 $3.16 71 $5.43 $5.38 $5.24 $4.99 46 $3.21 $3.21 $3.20 $3.19 72 $5.61 $5.55 $5.39 $5.09 47 $3.25 $3.25 $3.25 $3.24 73 $5.80 $5.74 $5.54 $5.20 48 $3.30 $3.30 $3.29 $3.28 74 $6.01 $5.93 $5.70 $5.30 49 $3.34 $3.34 $3.34 $3.32 75 $6.24 $6.15 $5.86 $5.41 50 $3.39 $3.39 $3.38 $3.37 76 $6.49 $6.37 $6.03 $5.51 51 $3.45 $3.44 $3.43 $3.42 77 $6.75 $6.61 $6.21 $5.61 52 $3.50 $3.50 $3.49 $3.47 78 $7.04 $6.86 $6.38 $5.70 53 $3.56 $3.55 $3.54 $3.52 79 $7.34 $7.13 $6.56 $5.79 54 $3.62 $3.61 $3.60 $3.58 80 $7.67 $7.40 $6.74 $5.88 55 $3.68 $3.68 $3.66 $3.64 81 $8.02 $7.69 $6.92 $5.95 56 $3.75 $3.74 $3.73 $3.70 82 $8.39 $8.00 $7.10 $6.03 57 $3.82 $3.82 $3.80 $3.76 83 $8.78 $8.31 $7.27 $6.09 58 $3.90 $3.89 $3.87 $3.83 84 $9.21 $8.64 $7.43 $6.15 59 $3.98 $3.97 $3.94 $3.90 85 $9.66 $8.98 $7.60 $6.20 60 $4.06 $4.05 $4.02 $3.97 86 $10.15 $9.34 $7.75 $6.25 61 $4.15 $4.14 $4.11 $4.05 87 $10.69 $9.70 $7.90 $6.29 62 $4.24 $4.23 $4.20 $4.13 88 $11.25 $10.07 $8.04 $6.33 63 $4.34 $4.33 $4.29 $4.22 89 $11.84 $10.44 $8.17 $6.36 64 $4.45 $4.44 $4.39 $4.30 90 $12.49 $10.82 $8.29 $6.38 65 $4.56 $4.55 $4.49 $4.39 91 $13.15 $11.19 $8.40 $6.40 66 $4.69 $4.66 $4.60 $4.49 67 $4.81 $4.79 $4.72 $4.58 68 $4.95 $4.92 $4.84 $4.68 69 $5.10 $5.06 $4.96 $4.78 70 $5.26 $5.22 $5.10 $4.88 ICC16J100-J100 ny 19 GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK [8515 Eaxx Xxxxxxx 489 Fxxxx Xxxxxx, 00xx Xxxxx Xxx Xxxx, Xxx Xxxx Xxxxxxxxx Xxxxxxx, XX 00000] XNDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be made until the Annuity Commencement Date or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuit y Annuity Account Value or the Investment Strategy Account Value according to the Payout Options provisions. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non-participating and is not eligible to share in the Company’s divisible surplus.

ANNUITY COMMENCEMENT DATE. Annuity payouts will begin no later than the Annuitant’s 99th birthday if no Payout Election Date has been established. If Installments have begun under the Rider, only the Investment Strategy will be annuitized. If Installments have not begun under the Rider, then the entire Account Value will be annuitized at that time and any benefit under the Rider will terminate. ICC16J100-J100 ny 17 Variable Life Annuity Table FEMALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without With Guaranteed Period Without With Guaranteed Period Age of Without Guaranteed With Age of Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.09 $3.09 $3.09 $3.08 71 $5.14 $5.11 $5.01 $4.83 46 $3.13 $3.13 $3.13 $3.12 72 $5.31 $5.27 $5.15 $4.94 47 $3.17 $3.17 $3.17 $3.16 73 $5.48 $5.44 $5.30 $5.05 48 $3.21 $3.21 $3.21 $3.20 74 $5.68 $5.62 $5.46 $5.16 49 $3.26 $3.26 $3.25 $3.24 75 $5.88 $5.82 $5.62 $5.27 50 $3.30 $3.30 $3.30 $3.29 76 $6.11 $6.03 $5.79 $5.38 51 $3.35 $3.35 $3.34 $3.33 77 $6.35 $6.25 $5.97 $5.49 52 $3.40 $3.40 $3.39 $3.38 78 $6.61 $6.49 $6.15 $5.59 53 $3.46 $3.45 $3.45 $3.43 79 $6.89 $6.74 $6.33 $5.69 54 $3.51 $3.51 $3.50 $3.48 80 $7.19 $7.01 $6.52 $5.78 55 $3.57 $3.57 $3.56 $3.54 81 $7.52 $7.30 $6.71 $5.87 56 $3.63 $3.63 $3.62 $3.60 82 $7.88 $7.61 $6.90 $5.95 57 $3.70 $3.70 $3.68 $3.66 83 $8.27 $7.94 $7.09 $6.03 58 $3.77 $3.76 $3.75 $3.72 84 $8.70 $8.28 $7.27 $6.09 59 $3.84 $3.83 $3.82 $3.78 85 $9.17 $8.64 $7.45 $6.15 60 $3.92 $3.91 $3.89 $3.85 86 $9.67 $9.01 $7.61 $6.21 61 $4.00 $3.99 $3.97 $3.92 87 $10.20 $9.39 $7.77 $6.25 62 $4.08 $4.07 $4.05 $4.00 88 $10.76 $9.76 $7.92 $6.29 63 $4.17 $4.16 $4.13 $4.08 89 $11.36 $10.14 $8.06 $6.33 64 $4.27 $4.26 $4.22 $4.16 90 $11.97 $10.52 $8.18 $6.36 65 $4.37 $4.36 $4.32 $4.24 91 $12.62 $10.89 $8.30 $6.38 66 $4.48 $4.46 $4.42 $4.33 67 $4.60 $4.58 $4.52 $4.43 68 $4.72 $4.70 $4.64 $4.52 69 $4.85 $4.83 $4.76 $4.62 70 $4.99 $4.96 $4.88 $4.72 ICC16J100-J100 ny 18 Variable Life Annuity Table MALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without With Guaranteed Period Without With Guaranteed Period Age of Without Guaranteed With Age of Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.17 $3.17 $3.16 $3.16 71 $5.43 $5.38 $5.24 $4.99 46 $3.21 $3.21 $3.20 $3.19 72 $5.61 $5.55 $5.39 $5.09 47 $3.25 $3.25 $3.25 $3.24 73 $5.80 $5.74 $5.54 $5.20 48 $3.30 $3.30 $3.29 $3.28 74 $6.01 $5.93 $5.70 $5.30 49 $3.34 $3.34 $3.34 $3.32 75 $6.24 $6.15 $5.86 $5.41 50 $3.39 $3.39 $3.38 $3.37 76 $6.49 $6.37 $6.03 $5.51 51 $3.45 $3.44 $3.43 $3.42 77 $6.75 $6.61 $6.21 $5.61 52 $3.50 $3.50 $3.49 $3.47 78 $7.04 $6.86 $6.38 $5.70 53 $3.56 $3.55 $3.54 $3.52 79 $7.34 $7.13 $6.56 $5.79 54 $3.62 $3.61 $3.60 $3.58 80 $7.67 $7.40 $6.74 $5.88 55 $3.68 $3.68 $3.66 $3.64 81 $8.02 $7.69 $6.92 $5.95 56 $3.75 $3.74 $3.73 $3.70 82 $8.39 $8.00 $7.10 $6.03 57 $3.82 $3.82 $3.80 $3.76 83 $8.78 $8.31 $7.27 $6.09 58 $3.90 $3.89 $3.87 $3.83 84 $9.21 $8.64 $7.43 $6.15 59 $3.98 $3.97 $3.94 $3.90 85 $9.66 $8.98 $7.60 $6.20 60 $4.06 $4.05 $4.02 $3.97 86 $10.15 $9.34 $7.75 $6.25 61 $4.15 $4.14 $4.11 $4.05 87 $10.69 $9.70 $7.90 $6.29 62 $4.24 $4.23 $4.20 $4.13 88 $11.25 $10.07 $8.04 $6.33 63 $4.34 $4.33 $4.29 $4.22 89 $11.84 $10.44 $8.17 $6.36 64 $4.45 $4.44 $4.39 $4.30 90 $12.49 $10.82 $8.29 $6.38 65 $4.56 $4.55 $4.49 $4.39 91 $13.15 $11.19 $8.40 $6.40 66 $4.69 $4.66 $4.60 $4.49 67 $4.81 $4.79 $4.72 $4.58 68 $4.95 $4.92 $4.84 $4.68 69 $5.10 $5.06 $4.96 $4.78 70 $5.26 $5.22 $5.10 $4.88 ICC16J100-J100 ny 19 GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY OF NEW YORK [8515 Eaxx Xxxxxxx 489 Fxxxx Xxxxxx, 00xx Xxxxx Xxx Xxxx, Xxx Xxxx Xxxxxxxxx Xxxxxxx, XX 00000] XNDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be made until the Annuity Commencement Date or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuit y Annuity Account Value or the Investment Strategy Account Value according to the Payout Options provisions. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non-participating and is not eligible to share in the Company’s divisible surplus.

ANNUITY COMMENCEMENT DATE. Annuity payouts will begin no later than the Annuitant’s 99th birthday if no Payout Election Date has been established. If Installments have begun under the Rider, only the Investment Strategy will be annuitized. If Installments have not begun under the Rider, then the entire Account Value will be annuitized at that time and any benefit under the Rider will terminate. ICC16-J100 17 Variable Life Annuity Table FEMALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Annuitant Without Guaranteed period With Guaranteed Period Age of Annuitant Without Guaranteed period With Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.09 $3.09 $3.09 $3.08 71 $5.14 $5.11 $5.01 $4.83 46 $3.13 $3.13 $3.13 $3.12 72 $5.31 $5.27 $5.15 $4.94 47 $3.17 $3.17 $3.17 $3.16 73 $5.48 $5.44 $5.30 $5.05 48 $3.21 $3.21 $3.21 $3.20 74 $5.68 $5.62 $5.46 $5.16 49 $3.26 $3.26 $3.25 $3.24 75 $5.88 $5.82 $5.62 $5.27 50 $3.30 $3.30 $3.30 $3.29 76 $6.11 $6.03 $5.79 $5.38 51 $3.35 $3.35 $3.34 $3.33 77 $6.35 $6.25 $5.97 $5.49 52 $3.40 $3.40 $3.39 $3.38 78 $6.61 $6.49 $6.15 $5.59 53 $3.46 $3.45 $3.45 $3.43 79 $6.89 $6.74 $6.33 $5.69 54 $3.51 $3.51 $3.50 $3.48 80 $7.19 $7.01 $6.52 $5.78 55 $3.57 $3.57 $3.56 $3.54 81 $7.52 $7.30 $6.71 $5.87 56 $3.63 $3.63 $3.62 $3.60 82 $7.88 $7.61 $6.90 $5.95 57 $3.70 $3.70 $3.68 $3.66 83 $8.27 $7.94 $7.09 $6.03 58 $3.77 $3.76 $3.75 $3.72 84 $8.70 $8.28 $7.27 $6.09 59 $3.84 $3.83 $3.82 $3.78 85 $9.17 $8.64 $7.45 $6.15 60 $3.92 $3.91 $3.89 $3.85 86 $9.67 $9.01 $7.61 $6.21 61 $4.00 $3.99 $3.97 $3.92 87 $10.20 $9.39 $7.77 $6.25 62 $4.08 $4.07 $4.05 $4.00 88 $10.76 $9.76 $7.92 $6.29 63 $4.17 $4.16 $4.13 $4.08 89 $11.36 $10.14 $8.06 $6.33 64 $4.27 $4.26 $4.22 $4.16 90 $11.97 $10.52 $8.18 $6.36 65 $4.37 $4.36 $4.32 $4.24 91 $12.62 $10.89 $8.30 $6.38 66 $4.48 $4.46 $4.42 $4.33 67 $4.60 $4.58 $4.52 $4.43 68 $4.72 $4.70 $4.64 $4.52 69 $4.85 $4.83 $4.76 $4.62 70 $4.99 $4.96 $4.88 $4.72 ICC16-J100 18 Variable Life Annuity Table MALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Annuitant Without Guaranteed period With Guaranteed Period Age of Annuitant Without Guaranteed period With Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.17 $3.17 $3.16 $3.16 71 $5.43 $5.38 $5.24 $4.99 46 $3.21 $3.21 $3.20 $3.19 72 $5.61 $5.55 $5.39 $5.09 47 $3.25 $3.25 $3.25 $3.24 73 $5.80 $5.74 $5.54 $5.20 48 $3.30 $3.30 $3.29 $3.28 74 $6.01 $5.93 $5.70 $5.30 49 $3.34 $3.34 $3.34 $3.32 75 $6.24 $6.15 $5.86 $5.41 50 $3.39 $3.39 $3.38 $3.37 76 $6.49 $6.37 $6.03 $5.51 51 $3.45 $3.44 $3.43 $3.42 77 $6.75 $6.61 $6.21 $5.61 52 $3.50 $3.50 $3.49 $3.47 78 $7.04 $6.86 $6.38 $5.70 53 $3.56 $3.55 $3.54 $3.52 79 $7.34 $7.13 $6.56 $5.79 54 $3.62 $3.61 $3.60 $3.58 80 $7.67 $7.40 $6.74 $5.88 55 $3.68 $3.68 $3.66 $3.64 81 $8.02 $7.69 $6.92 $5.95 56 $3.75 $3.74 $3.73 $3.70 82 $8.39 $8.00 $7.10 $6.03 57 $3.82 $3.82 $3.80 $3.76 83 $8.78 $8.31 $7.27 $6.09 58 $3.90 $3.89 $3.87 $3.83 84 $9.21 $8.64 $7.43 $6.15 59 $3.98 $3.97 $3.94 $3.90 85 $9.66 $8.98 $7.60 $6.20 60 $4.06 $4.05 $4.02 $3.97 86 $10.15 $9.34 $7.75 $6.25 61 $4.15 $4.14 $4.11 $4.05 87 $10.69 $9.70 $7.90 $6.29 62 $4.24 $4.23 $4.20 $4.13 88 $11.25 $10.07 $8.04 $6.33 63 $4.34 $4.33 $4.29 $4.22 89 $11.84 $10.44 $8.17 $6.36 64 $4.45 $4.44 $4.39 $4.30 90 $12.49 $10.82 $8.29 $6.38 65 $4.56 $4.55 $4.49 $4.39 91 $13.15 $11.19 $8.40 $6.40 66 $4.69 $4.66 $4.60 $4.49 67 $4.81 $4.79 $4.72 $4.58 68 $4.95 $4.92 $4.84 $4.68 69 $5.10 $5.06 $4.96 $4.78 70 $5.26 $5.22 $5.10 $4.88 ICC16-J100 19 GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY [8515 Eaxx Xxxxxxx Xxxx Xxxxxxxxx Xxxxxxx, XX 00000] XNDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions may be made until the Annuity Commencement Date or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuit y Annuity Account Value or the Investment Strategy Account Value according to the Payout Options provisions. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non-participating and is not eligible to share in the Company’s divisible surplus.

ANNUITY COMMENCEMENT DATE. The Annuity payouts will begin no later than Commencement Date is the Payout Election Date or the Annuitant’s 99th birthday birthday, if no Payout Election Date has been established. If Installments have begun under Beginning on the RiderPayout Election Date, only the Investment Strategy Segment will be annuitizedAnnuitized; the Rider will not terminate. If Installments Annuity Payouts begin at age 99, because no Payout Election Date has been established and guaranteed annual withdrawals under the rider have not begun under the Riderbegun, then the entire Account Value will be annuitized Annuitized at that time and any benefit under the Rider will terminate. ICC16ICC14-J100 17 J465 16 Variable Life Annuity Table FEMALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without With Guaranteed Period Without With Guaranteed Period Age of Without Guaranteed With Age of Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.09 $3.09 $3.09 $3.08 71 $5.14 $5.11 $5.01 $4.83 46 $3.13 $3.13 $3.13 $3.12 72 $5.31 $5.27 $5.15 $4.94 47 $3.17 $3.17 $3.17 $3.16 73 $5.48 $5.44 $5.30 $5.05 48 $3.21 $3.21 $3.21 $3.20 74 $5.68 $5.62 $5.46 $5.16 49 $3.26 $3.26 $3.25 $3.24 75 $5.88 $5.82 $5.62 $5.27 50 $3.30 $3.30 $3.30 $3.29 76 $6.11 $6.03 $5.79 $5.38 51 $3.35 $3.35 $3.34 $3.33 77 $6.35 $6.25 $5.97 $5.49 52 $3.40 $3.40 $3.39 $3.38 78 $6.61 $6.49 $6.15 $5.59 53 $3.46 $3.45 $3.45 $3.43 79 $6.89 $6.74 $6.33 $5.69 54 $3.51 $3.51 $3.50 $3.48 80 $7.19 $7.01 $6.52 $5.78 55 $3.57 $3.57 $3.56 $3.54 81 $7.52 $7.30 $6.71 $5.87 56 $3.63 $3.63 $3.62 $3.60 82 $7.88 $7.61 $6.90 $5.95 57 $3.70 $3.70 $3.68 $3.66 83 $8.27 $7.94 $7.09 $6.03 58 $3.77 $3.76 $3.75 $3.72 84 $8.70 $8.28 $7.27 $6.09 59 $3.84 $3.83 $3.82 $3.78 85 $9.17 $8.64 $7.45 $6.15 60 $3.92 $3.91 $3.89 $3.85 86 $9.67 $9.01 $7.61 $6.21 61 $4.00 $3.99 $3.97 $3.92 87 $10.20 $9.39 $7.77 $6.25 62 $4.08 $4.07 $4.05 $4.00 88 $10.76 $9.76 $7.92 $6.29 63 $4.17 $4.16 $4.13 $4.08 89 $11.36 $10.14 $8.06 $6.33 64 $4.27 $4.26 $4.22 $4.16 90 $11.97 $10.52 $8.18 $6.36 65 $4.37 $4.36 $4.32 $4.24 91 $12.62 $10.89 $8.30 $6.38 66 $4.48 $4.46 $4.42 $4.33 67 $4.60 $4.58 $4.52 $4.43 68 $4.72 $4.70 $4.64 $4.52 69 $4.85 $4.83 $4.76 $4.62 70 $4.99 $4.96 $4.88 $4.72 ICC16ICC14-J100 18 J465 17 Variable Life Annuity Table MALE Monthly Payout for Each $1,000 of Annuity Account Value Age of Without With Guaranteed Period Without With Guaranteed Period Age of Without Guaranteed With Age of Guaranteed Period Annuitant period 5 years 10 years 15 years Annuitant period 5 years 10 years 15 years 45 $3.17 $3.17 $3.16 $3.16 71 $5.43 $5.38 $5.24 $4.99 46 $3.21 $3.21 $3.20 $3.19 72 $5.61 $5.55 $5.39 $5.09 47 $3.25 $3.25 $3.25 $3.24 73 $5.80 $5.74 $5.54 $5.20 48 $3.30 $3.30 $3.29 $3.28 74 $6.01 $5.93 $5.70 $5.30 49 $3.34 $3.34 $3.34 $3.32 75 $6.24 $6.15 $5.86 $5.41 50 $3.39 $3.39 $3.38 $3.37 76 $6.49 $6.37 $6.03 $5.51 51 $3.45 $3.44 $3.43 $3.42 77 $6.75 $6.61 $6.21 $5.61 52 $3.50 $3.50 $3.49 $3.47 78 $7.04 $6.86 $6.38 $5.70 53 $3.56 $3.55 $3.54 $3.52 79 $7.34 $7.13 $6.56 $5.79 54 $3.62 $3.61 $3.60 $3.58 80 $7.67 $7.40 $6.74 $5.88 55 $3.68 $3.68 $3.66 $3.64 81 $8.02 $7.69 $6.92 $5.95 56 $3.75 $3.74 $3.73 $3.70 82 $8.39 $8.00 $7.10 $6.03 57 $3.82 $3.82 $3.80 $3.76 83 $8.78 $8.31 $7.27 $6.09 58 $3.90 $3.89 $3.87 $3.83 84 $9.21 $8.64 $7.43 $6.15 59 $3.98 $3.97 $3.94 $3.90 85 $9.66 $8.98 $7.60 $6.20 60 $4.06 $4.05 $4.02 $3.97 86 $10.15 $9.34 $7.75 $6.25 61 $4.15 $4.14 $4.11 $4.05 87 $10.69 $9.70 $7.90 $6.29 62 $4.24 $4.23 $4.20 $4.13 88 $11.25 $10.07 $8.04 $6.33 63 $4.34 $4.33 $4.29 $4.22 89 $11.84 $10.44 $8.17 $6.36 64 $4.45 $4.44 $4.39 $4.30 90 $12.49 $10.82 $8.29 $6.38 65 $4.56 $4.55 $4.49 $4.39 91 $13.15 $11.19 $8.40 $6.40 66 $4.69 $4.66 $4.60 $4.49 67 $4.81 $4.79 $4.72 $4.58 68 $4.95 $4.92 $4.84 $4.68 69 $5.10 $5.06 $4.96 $4.78 70 $5.26 $5.22 $5.10 $4.88 ICC16ICC14-J100 19 J465 18 GREAT-WEST LIFE & ANNUITY INSURANCE COMPANY [8515 Eaxx 8510 Xxxx Xxxxxxx Xxxx Xxxxxxxxx Xxxxxxx, XX 00000] XNDIVIDUAL INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY. Contributions to the Investment Segment may be made until the Annuity Commencement Date or until the death benefit is payable to a Beneficiary. The Owner is as shown on the Contract Data Page. The Company will pay the Annuitant the first of a series of annuity payouts on the Annuity Commencement Date by applying the Owner’s Annuit y Annuity Account Value or the Investment Strategy Segment Account Value according to the Payout Options provisions. Subsequent payouts will be paid on the same day of each frequency period according to the provisions of this Contract. This Contract is non-participating and is not eligible to share in the Company’s divisible surplus.