Common use of BENEFITS AND LOANS Clause in Contracts

BENEFITS AND LOANS. 4.1--------Election of Annuity Options 4.2--------Annuity Options 4.3--------Guaranteed Rate of Interest 4.4--------Alternate Nonparticipating Retirement Annuity 4.5--------Minimum Payments 4.6--------Due Proof of Date of Birth and Survival 4.7--------Death Benefits 4.8--------Withdrawal Benefits 4.9--------Loans from the Fixed Interest Account