Common use of ANNUITY TABLES Clause in Contracts

ANNUITY TABLES. Annuity Tables A and B show the guaranteed minimum amount of monthly Annuity Payment per $1,000 of Annuity Start Amount for annuity options 1 through 4 that applies to the first Variable Annuity Payment and to each payment for Fixed Annuity Payments. The amount of each Annuity Payment for Annuity Options 1 through 4 will depend on the Annuitant's age on the Annuity Start Date. Tables A and B assume 1900 as the year of birth of the annuitant. To use Table A and B for an Annuitant born after 1900, the actual age is reduced by 0.1 (one-tenth) of a year for each year the year of birth exceeds 1900. For an annuitant with a birth year prior to 1900, the actual age is increased in a like manner. The actual age (in completed months) reduced or increased becomes the "adjusted age of the Annuitant" The guaranteed payout rate is then found by interpolating the Annuitant's adjusted age between the ages shown in Tables A and B. Tables A and B are based on the 1983 Table "A" mortality table and an interest rate of 3.5% per year. On request the Company will furnish the amount of monthly Annuity Payment per $1,000 applied for any ages not shown. For Annuity Options 5 and 6, annuity rates based on age are not used to calculate annuity payments. Annuity Payments for these options are computed without reference to the Annuity Tables.

ANNUITY TABLES. Annuity Tables A and B through C show the guaranteed minimum amount of monthly Annuity Payment per $1,000 of Annuity Start Amount for annuity options Annuity Options 1 through 4 4, 7 and 8 that applies to the first Variable Annuity Payment and to each payment for Fixed Annuity Payments. The amount of each Annuity Payment for Annuity Options 1 through 4 and 8 will depend on the Annuitant's age on the Annuity Start Date. Tables A and B assume 1900 as the year of birth of the annuitant. To use Table Tables A and B for an Annuitant born after 1900, the actual age is reduced by 0.1 (one-tenth) of a year for each year the year of birth exceeds 1900. For an annuitant with a birth year prior to 1900, the actual age is increased in a like manner. The actual age (in completed months) reduced or increased becomes the "adjusted age of the Annuitant." The guaranteed payout rate is then found by interpolating the Annuitant's adjusted age between the ages shown in Tables A and B. Tables A and B are based on the 1983 Table "A" mortality table and an interest rate of 3.5% per year. On request the Company will furnish the amount of monthly Annuity Payment per $1,000 applied for any ages not shown. For Annuity Options 5 and 6through 7, annuity rates based on age are not used to calculate annuity payments. Annuity Payments for these options Options 5 and 6 are computed without reference to the Annuity Tables.

ANNUITY TABLES. Annuity Tables A and B through C show the guaranteed minimum amount of monthly Annuity Payment per $1,000 of Annuity Start Amount for annuity options Annuity Options 1 through 4 4, 7 and 8 that applies to the first Variable Annuity Payment and to each payment for Fixed Annuity Payments. The amount of each Annuity Payment for Annuity Options 1 through 4 and 8 will depend on the Annuitant's sex and age on the Annuity Start Date. Tables A and B assume 1900 as the year of birth of the annuitant. To use Table Tables A and B for an Annuitant born after 1900, the actual age is reduced by 0.1 (one-tenth) of a year for each year the year of birth exceeds 1900. For an annuitant with a birth year prior to 1900, the actual age is increased in a like manner. The actual age (in completed months) reduced or increased becomes the "adjusted age of the Annuitant." The guaranteed payout rate is then found by interpolating the Annuitant's adjusted age between the ages shown in Tables A and B. Tables A and B are based on the 1983 Table "A" mortality table and an interest rate of 3.5% per year. On request the Company will furnish the amount of monthly Annuity Payment per $1,000 applied for any ages not shown. For Annuity Options 5 and 6through 7, annuity rates based on age and sex are not used to calculate annuity payments. Annuity Payments for these options Options 5 and 6 are computed without reference to the Annuity Tables.

ANNUITY TABLES. The Annuity Tables A and B show the guaranteed minimum amount of monthly Payments under Annuity Payment per $1,000 of Annuity Start Amount for annuity options Options 1 through 4 that applies to and 8 are based upon the first Variable Annuity Payment and to each payment for Fixed Annuity Payments1983 Table "A" mortality table. The amount of each Annuity Payment for Annuity Options 1 through 4 and 8 will depend on the Annuitant's sex and age on the Annuity Commencement Date. For Fixed Annuity Payments, Tables A through C below show the guaranteed minimum amount for each monthly Annuity Payment per $1,000 of Annuity Start DateAmount for Annuity Options 1 through 4, 7 and 8. Tables A and B are based upon the 1983 Table "A" mortality table and an interest rate of 3% per year. For Variable Annuity Payments, the first Annuity Payment for Annuity Options 1 through 4 and 8 is determined by reference to the 1983 Table "A" mortality table and an assumed interest rate of 3.5% per year and, for Option 7, by reference to Table C below. Tables A and B assume 1900 as the year of birth of the annuitantAnnuitant. To use Table Tables A and B for an Annuitant born after 1900, the actual age is reduced by 0.1 (one-tenth) of a year for each year the year of birth exceeds 1900. For an annuitant Annuitant with a birth year prior to 1900, the actual age is increased in a like manner. The actual age (in completed months) reduced or increased becomes the "adjusted age of the Annuitant." The guaranteed payout rate is then found by interpolating the Annuitant's adjusted age between the ages shown in Tables A and B. Tables A and B are based on the 1983 Table "A" mortality table and an interest rate of 3.5% per yearTables. On request the Company will furnish the amount of monthly Annuity Payment per $1,000 applied for any ages not shownage. For Annuity Options 5 and 6through 7, annuity rates based on age and sex are not used to calculate annuity paymentsAnnuity Payments. Annuity Payments for these options 5 and 6 are computed without reference to the Annuity Tables.

ANNUITY TABLES. Annuity Tables A and B through C show the guaranteed minimum amount of monthly Annuity Payment per $1,000 of Annuity Start Amount for annuity options Annuity Options 1 through 4 4, 7 and 8 that applies to the first Variable Annuity Payment and to each payment for Fixed Annuity Payments. The amount of each Annuity Payment for Annuity Options 1 through 4 and 8 will depend on the Annuitant's age on the Annuity Start Date. Tables A and B assume 1900 as the year of birth of the annuitantAnnuitant. To use Table Tables A and B for an Annuitant born after 1900, the actual age is reduced by 0.1 (one-tenth) of a year for each year the year of birth exceeds 1900. For an annuitant Annuitant with a birth year prior to 1900, the actual age is increased in a like manner. The actual age (in completed months) reduced or increased becomes the "adjusted age of the Annuitant." The guaranteed payout rate is then found by interpolating the Annuitant's adjusted age between the ages shown in Tables A and B. Tables A and B are based on the 1983 Table "A" mortality table and an interest rate of 3.5% per year. On request the Company will furnish the amount of monthly Annuity Payment per $1,000 applied for any ages not shown. For Annuity Options 5 and 6through 7, annuity rates based on age are not used to calculate annuity payments. Annuity Payments for these options Options 5 and 6 are computed without reference to the Annuity Tables.