Common use of BENEFICIARY PROVISIONS Clause in Contracts

BENEFICIARY PROVISIONS. The Beneficiary is the person or persons who will receive the Death Benefit if the Owner dies prior to the Annuity Date. Joint Owners — If the Contract is owned by joint Owners, each of the Owner and joint Owner shall automatically be designated as the other’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signed. We will not be liable for any payment made or other action taken by us before the change or addition was received by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this Contract.

BENEFICIARY PROVISIONS. The Beneficiary is the person or persons who may receive certain benefits under the Certificate Agreement in the event the Annuitant dies prior to the Annuitization Date. If more than one Beneficiary survives the Annuitant, each will receive share equally unless otherwise specified in the Death Benefit Beneficiary designation. If no Beneficiary survives the Annuitant, all rights and interest of the Beneficiary shall vest in the Contingent Beneficiary, and if more than one Contingent Beneficiary survives, each will share equally unless otherwise specified in the Contingent Beneficiary designation. If no Contingent Beneficiary survives the Annuitant, all rights and interests of the Contingent Beneficiary will vest with the Certificate Owner or the estate of the last surviving Certificate Owner. Subject to the terms of any existing assignment, the Certificate Owner may change the Beneficiary or Contingent Beneficiary during the lifetime of the Annuitant by written notice to the Company. The change, upon receipt and recording by the Company at Home Office, will take effect as of the time the written notice was signed, whether or not the Annuitant is living at the time of the recording, but without further liability as to any payment or settlement made by the Company before receipt of such change. DEATH PROVISIONS ---------------- DEATH OF CERTIFICATE OWNER PROVISIONS If any Certificate Owner and the Annuitant are not the same person and such Certificate Owner dies prior to the Annuity Date. Annuitization Date then the Joint Owners — If Certificate Owner, if any, becomes the Contract is owned by joint Owners, each of the Owner and joint Owner shall automatically be designated as the other’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiarynew Certificate Owner. If there is no surviving Joint Certificate Owner, the Contingent Certificate Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint becomes the new Certificate Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the there is no surviving Contingent Certificate Owner, that Beneficiary’s the last surviving Certificate Owner's estate becomes the new Certificate Owner. The entire interest will go to in the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive Certificate Account Value must be distributed in accordance with the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signed. We will not be liable for any payment made or other action taken by us before the change or addition was received by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this Contract"Required Distribution Provisions".

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is as stated on the person application, unless later changed by Your Written Request. One or more Beneficiaries can be named in the application. If more than one Beneficiary is named, each can be classed as primary or contingent. If two or more persons are named in a class, their shares in the proceeds can be stated. The stated shares in the proceeds will be paid to any primary Beneficiaries. If no primary Beneficiaries survive, payment will be made to any surviving contingent Beneficiaries. If You have not made other arrangements with Us, Beneficiaries who survive in the same class will receive share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the Owner dies last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiary, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date. Joint Owners — If , in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract is owned by joint Owners, each Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more of the Owner and joint Owner shall automatically Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be designated as used. The allocation of the other’s first Beneficiary. No other Beneficiary designations will take effect if either Initial Premium is shown on the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effectapplication. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate change the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, allocation at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signedtime. We will not send confirmation of Your changes. Any subsequent Premium received will be liable for any payment made or other action taken by us before allocated in accordance with the change or addition was most recently received by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this Contractallocation instructions.

BENEFICIARY PROVISIONS. The Beneficiary is the person or persons who will receive the Death Benefit if the Owner dies prior to the Annuity Date. Joint Owners — - If the Contract is owned by joint Owners, each of the Owner and joint Owner shall automatically be designated as the other’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — - If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — - You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received recorded it, the change will be effective on the date the Written Request is signed. We will not be liable for any payment made or other action taken by us before the change or addition was received and recorded by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this Contract.

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is as stated on the person application, unless later changed by Your Written Request. One or more beneficiaries can be named in the application. If more than one Beneficiary is named, each can be classed as primary or contingent. If two or more persons are named in a class, their shares in the proceeds can be stated. The stated shares in the proceeds will be paid to any primary beneficiaries. If no primary beneficiaries survive, payment will be made to any surviving contingent beneficiaries. If You have not made other arrangements with Us, Beneficiaries who survive in the same class will receive share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the Owner dies last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiary, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date. Joint Owners — If , in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract is owned by joint Owners, each Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more of the Owner and joint Owner shall automatically Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be designated as used. The allocation of the other’s first Beneficiary. No other Beneficiary designations will take effect if either Initial Premium is shown on the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effectapplication. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate change the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, allocation at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signedtime. We will not send confirmation of Your changes. Any subsequent Premium received will be liable for any payment made or other action taken by us before allocated in accordance with the change or addition was most recently received by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this Contractallocation instructions.

BENEFICIARY PROVISIONS. Designation of Beneficiary - The Beneficiary is the person you name who may receive any death benefit proceeds, or persons who will receive the Death Benefit if the Owner dies prior to any remaining annuity payments after the Annuity Date. Joint Owners — If , if the Contract is owned by joint Owners, each of the Annuitant or Owner and joint Owner shall automatically be designated as the other’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interestsdies. If you leave no surviving Beneficiary, your estate will may receive the Death Benefitdeath benefit proceeds. If the Beneficiary is a trust or trustee, we are not will neither be responsible for verifying the trust’s or a trustee’s 's right to receive the Death Benefitany death benefit proceeds, or nor for how the trustee distributes the disposes of any death benefit proceeds. If before payment of any death benefit proceeds, we receive a Written Request indicating proper notice that the trust has been revoked or is not in effect before payment of the Death Benefiteffect, the Death Benefit then any death benefit proceeds payable will be paid to any other Beneficiaries namedthe Contingent Beneficiary, according if living; if not to their respective intereststhe Owner's estate. Adding or Changing Your Beneficiary — - You may change a Beneficiary designationadd, change, or remove any Beneficiary, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to usBeneficiary, subject to the terms of any assignment, at any time prior to the death of the Annuitant or Owner, by providing us with a request in a form satisfactory to us. If However, if you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once You may remove any non-irrevocable Beneficiary without obtaining the consent of the irrevocable Beneficiary. Qualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any change or addition will take effect only when we have received it, the change will be effective on the date the Written Request is signed. We will not be liable for any payment made or other action taken by us before receive all necessary documents and record the change or addition addition. ANNUITY PROVISIONS Choice of Annuity Date - Unless otherwise changed as provided below, the Annuity Date is shown in the Contract Specifications. We assigned the Annuity Date based on the Contract Type chosen and the Annuitant's Age shown in the application for this Contract. If there are Joint Annuitants, the Annuity Date was received based on the younger Annuitant's birthday. The Annuity Date may be changed by providing proper notice to us at our Administrative Officeleast ten (10) Business Days prior to the current Annuity Date or new Annuity Date, whichever is earlier, subject to any applicable state law or the Code. The new Annuity Date may not be earlier than the first Contract Anniversary and must occur on or before the day the Annuitant reaches his or her 95th birthday, or earlier, as required by any applicable state law or the Code. If there are Joint Annuitants, the Annuity Date will be based on the younger Annuitant's birthday. You cannot remove may be subject to additional restrictions under your Qualified Plan. You should consult with your Qualified Plan administrator before you elect an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this ContractAnnuity Date.

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is as stated on the person application, unless later changed by Your Written Request. One or more beneficiaries can be named in the application. If more than one Beneficiary is named, each can be classed as primary or contingent. If two or more persons are named in a class, their shares in the proceeds can be stated. The stated shares in the proceeds will be paid to any primary beneficiaries. If no primary beneficiaries survive, payment will be made to any surviving contingent beneficiaries. If You have not made other arrangements with Us, Beneficiaries who survive in the same class will receive share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the Owner dies last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiary, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date. Joint Owners — If , in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract is owned by joint Owners, each Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more of the Owner and joint Owner shall automatically Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be designated as used. The allocation of the other’s first Beneficiary. No other Beneficiary designations will take effect if either Initial Premium is shown on the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effectapplication. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate change the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests. Changing Your Beneficiary — You may change a Beneficiary designation, other than an irrevocable Beneficiary designation, allocation at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signedtime. We will not send confirmation of Your changes. Any subsequent Premium received will be liable for any payment made allocated in accordance with the most recently received allocation instructions. PREMIUM ENHANCEMENT PREMIUM ENHANCEMENT - On the Effective Date, the Initial Premium will be increased by a credit equal to the amount shown in the Contract Schedule. The Premium Enhancement will be allocated to the subaccounts or other action taken by us before to the change Guaranteed Account in the same manner as the Initial Premium. Any subsequent Premium Enhancement may be granted at Our sole discretion. EFFECT OF A FULL SURRENDER OR DEATH ON THE PREMIUM ENHANCEMENT - If You fully surrender this certificate or addition was received by us at our Administrative Office. You cannot remove an Owner die during the first twenty-four (24) months following receipt of a Premium Enhancement and prior to the Annuity Date, the entire Premium Enhancement amount will be deducted from the surrender amount or joint Owner as Beneficiary other than through the change Death Benefit (see Death of ownership provisions of this ContractOwner).

BENEFICIARY PROVISIONS. Designation of Beneficiary — The Beneficiary is the person you name who may receive any death benefit proceeds, or persons who will receive the Death Benefit if the Owner dies prior to any remaining annuity payments after the Annuity Date, if the Annuitant or Owner dies. Joint Owners — If the Contract is owned by joint Owners, each of the The Owner and joint Owner shall automatically be designated as the other’s first can name more than one Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, that survivor is the Beneficiary. If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Multiple Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries of the same class (primary or contingent), they will share the Death Benefit equally death benefit proceeds (or any remaining annuity payments) equally, unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pagesotherwise specified. If any Beneficiary dies before predeceases the Annuitant or Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or trustee, we are not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in effect before payment of the Death Benefit, the Death Benefit will be paid to any other Beneficiaries named, according to their respective interests, unless otherwise specified. If you leave no surviving Beneficiary, your estate may receive the death benefit proceeds. If the Beneficiary is a trustee, we will neither be responsible for verifying a trustee’s right to receive any death benefit proceeds, nor for how the trustee disposes of any death benefit proceeds. If before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or is not in effect, then any death benefit proceeds payable will be paid to the Contingent Beneficiary, if living; if not to the Owner’s estate. Adding or Changing Your Beneficiary — You may change a Beneficiary designationadd, change, or remove any Beneficiary, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to usBeneficiary, subject to the terms of any assignment, at any time prior to the death of the Annuitant or Owner, by providing us with a request in a form satisfactory to us. If However, if you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we You may remove any non-irrevocable Beneficiary without obtaining the consent of the irrevocable Beneficiary. Qualified Contracts may have received it, additional restrictions on naming and changing Beneficiaries. Any change or addition will take effect only when the change will be effective on the date the Written Request notice is signed, subject to our receipt. We Any such change or addition will not be liable for impact any payment made or other action taken by us before the change or addition was received by us at our Administrative Office. You cannot remove an Owner or joint Owner as Beneficiary other than through the change of ownership provisions of this ContractService Center.