Common use of Cash Surrender Value Clause in Contracts

Cash Surrender Value. The Cash Surrender Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1)We take the Contract's Accumulation Value; (2)We adjust for any applicable Market Value Adjustment; (3)We deduct any Surrender Charges; (4)We deduct any charges shown in the Schedule that have been incurred but not yet deducted, including: (a)any administrative charge that has not yet been deducted; (b)the pro rata part of any charges for Optional Benefit Riders; and (c)any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value At any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender this Contract to us. To do this, you must return this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Contract and your signed request in our Customer Service Center. All benefits under this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract Date, you may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule). The minimum amount that may be withdrawn is shown in the Schedule. The maximum amount that may be withdrawn without Surrender Charge is shown in the Schedule. To take a Partial Withdrawal, you must provide us satisfactory notice at our Customer Service Center. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Owners and any Owner dies, we will pay the surviving Owners the death benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ANNUITY BENEFITS If the Annuitant and Owner are living on the Annuity Commencement Date, we will begin making payments to the Owner. We will make these payment under the Annuity Option (or Options) as chosen in the application or as subsequently selected. You may choose or change an Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amounts of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (see Payments We Defer). Before we pay any Annuity Benefits, we require the return of this Contract. If this Contract has been lost, we require the applicable lost Contract form. ANNUITY COMMENCEMENT DATE SELECTION You select the Annuity Commencement Date. You may select any date following the fifth Contract Anniversary but before the required date of Annuity Commencement as shown in the Schedule. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:

Cash Surrender Value. The Cash Surrender Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1)We 1) We take the Contract's Accumulation Value; (2)We 2) We adjust for any applicable Market Value Adjustment; (3)We 3) We deduct any Surrender ChargesCharges as shown on the Schedule Page; (4)We 4) We deduct any charges shown in the Schedule that have been incurred but not yet deducted, including: (a)any administrative charge that has not yet been deducted; (b)the pro rata part of including any charges for Optional Benefit Riders; and (c)any applicable premium or other taxPremium Tax. Cancelling BEGINNING ON THE THIRTIETH DAY IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD THERE IS NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT. A WRITTEN REQUEST BY YOU FOR SURRENDER OR TRANSFER TO ANOTHER GUARANTEE PERIOD MUST BE RECEIVED IN OUR CUSTOMER SERVICE CENTER BEFORE THE END OF SUCH 30-DAY PERIOD OF THE INITIAL OR SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES AND THE MARKET VALUE ADJUSTMENT APPLY TO EACH SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES FOR EACH SUBSEQUENT GUARANTEE PERIOD START AT 8% FOR THE FIRST YEAR, THEN DECREASE BY 1% PER YEAR BEGINNING IN YEAR 2 UNTIL THE MATURITY DATE OF THAT GUARANTEE PERIOD. Canceling to Receive the Cash Surrender Value At any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender this Contract to us. To do this, you must return this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Contract and your signed request in our Customer Service Center. All benefits under this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract Date, you You may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule). The minimum amount that may be withdrawn is shown in the Scheduleat any time by giving written notice to us. The maximum amount that may can be withdrawn each Contract Year without being considered an excess Partial Withdrawal is described below. We will collect a Surrender Charge and Market Value Adjustment for excess Partial Withdrawals and a charge for any unrecovered Premium Taxes. The minimum Partial Withdrawal amount is shown in the Schedule$100. To take After a Partial Withdrawal, the remaining Cash Surrender Value must be at least $1000 to keep the Contract in force. The free withdrawal amount for a Contract Year is equal to 12 months of interest earned and not previously withdrawn in the prior 12 months. Systematic Partial Withdrawals of interest may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th date of the month. If you must provide us satisfactory notice at our Customer Service Centerdo not elect a day, the Contract Date will be used. The maximum withdrawal amount is equal to the interest earned for the prior month, quarter, or year (depending on the frequency selected). GA-IA-1070 10 6/00 YOUR CONTRACT BENEFITS (continued) ---------------------------------------------------------------------------- For any Contract Year in which the total amount withdrawn exceeds the free withdrawal amount, a Surrender Charge and Market Value Adjustment will apply to the excess Partial Withdrawal. If the Contract is surrendered, the Surrender Charge and Market Value Adjustment will apply to the total amount withdrawn in that Contract Year, including any Partial Withdrawals. NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT WILL APPLY TO PARTIAL WITHDRAWALS OR SURRENDERS DURING THE 30 DAYS IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. The death benefit is equal to the Accumulation Value as of the date of death. No Surrender Charge or Market Value Adjustment will be applied. If there are joint Owners and any Owner dies, we will pay the surviving Owners the death benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continuedSpousal Continuation upon Death of Owner If at the Owner's death, the surviving spouse of the deceased Owner is the Beneficiary, then such surviving spouse may elect to continue the Contract as their own pursuant to Internal Revenue Code Section 72(s) ------------------------------------------------------------------------------ or the equivalent provisions of the U.S. Treasury Department rules for qualified plans. How to Claim Payments to Beneficiary We must receive proof of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. EXEMPTION OF BENEFITS All payments of Benefits under this Contract will be made from our Customer Service Center. To the extent allowed by law, the Benefits will be free from creditor's claims or legal process. GA-IA-1074 <PAGE> <PAGE> IA-1070 11 6/00 CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ---------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Owner are living on the Annuity Commencement Date, we will begin making payments to the Owner. We will make these payment payments under the Annuity Option (or Options) as chosen in the application initially or as subsequently selected. You may choose or change an Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-10- year period certain basis will become effective. The amounts of the payments will be determined by applying the Accumulation Value adjusted by a Market Value Adjustment, if applicable, on the Annuity Commencement Date in accordance with the Annuity Options section below (see Payments We Defer). Surrender Charges will be waived. A Market Value Adjustment may apply if the Annuity Commencement Date is more than 30 days prior to the Maturity Date of the Guarantee Period. Before we pay any Annuity Benefits, we require the return of this Contract. If this Contract has been lost, we require the applicable lost Contract form. ANNUITY COMMENCEMENT DATE SELECTION You select the Annuity Commencement Date. You may select any date following the fifth Contract Anniversary but before the required date of Annuity Commencement as shown in the Schedule. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:.

Cash Surrender Value. The Cash Surrender Value is the Accumulated Value, while the Annuitant . Net Cash Surrender Value – The Net Cash Surrender Value is living and before the Annuity Commencement Date, is determined as follows: (1)We take the Contract's Accumulation Value; (2)We adjust for any applicable Market Value Adjustment; (3)We deduct any Surrender Charges; (4)We deduct any charges shown in the Schedule that have been incurred but not yet deducted, including: (a)any administrative charge that has not yet been deducted; (b)the pro rata part of any charges for Optional Benefit Riders; and (c)any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value At less any time while Policy Debt. Withdrawals – Upon Written Request on or after the Annuitant is living first Policy anniversary and before until the Annuity Commencement Monthly Deduction End Date, you may surrender this Contract to us. To do this, you must return this Contract with withdraw a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as portion of the date we receive the Contract and your signed request in our Customer Service Center. All benefits under Accumulated Value of this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment Policy as described in Withdrawal Conditions in the Payments We May Defer provisionPolicy Specifications. PARTIAL WITHDRAWAL OPTION After the Contract Date, you may make Partial Withdrawals. Partial Withdrawals may will be subject to a Partial the Withdrawal Charge (see the Schedule). The minimum amount that may be withdrawn is Conditions shown in your Policy Specifications. Withdrawals will be deducted from the ScheduleAccumulated Value. The maximum amount that may be withdrawn without Surrender Charge is shown in the Schedule. To When you take a Partial Withdrawal, the amount of the withdrawal and any withdrawal fee is deducted from the Policy’s Investment Options. Unless you must provide us satisfactory notice otherwise, any such deduction will be deducted from the Accumulated Value as an Account Deduction. When Death Benefit Option A is in effect, a requested withdrawal may increase the Net Amount at our Customer Service Center. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Owner dies prior to the Annuity Commencement DateRisk, in which case, we will pay decrease the Beneficiary Face Amount as follows: During the death benefitfirst 15 Policy years, but only in the case of the first withdrawal of a given Policy year, the Face Amount will be decreased only to the extent that the withdrawal exceeds the lesser of $10,000 or 10% of the Accumulated Value less any Policy Debt. If there are joint Owners and any Owner diesthe reduction in Total Face Amount due to a requested withdrawal would cause the Policy to become a Modified Endowment Contract, we will pay the surviving Owners the death benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (process your withdrawal request unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date and until we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ANNUITY BENEFITS If the Annuitant and Owner are living on the Annuity Commencement Date, we will begin making payments your Written Request to the Owner. We will make these payment under the Annuity Option (or Options) have your Policy classified as chosen in the application or as subsequently selected. You may choose or change an Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amounts of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date Modified Endowment Contract in accordance with the Annuity Options Modified Endowment Contract Tax Status section below (see Payments We Defer). Before we pay any Annuity Benefits, we require the return of this ContractPolicy. If this Contract has been lost, we require the applicable lost Contract form. ANNUITY COMMENCEMENT DATE SELECTION You select the Annuity Commencement Date. You may select any date following the fifth Contract Anniversary but before the required date of Annuity Commencement as shown in the Schedule. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract Death Benefit Option B is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of a withdrawal, the withdrawal will not reduce the Total Face Amount, but it will reduce the Accumulated Value, which has the effect of reducing the Death Benefit (see the Death Benefit section for details). If Death Benefit Option C is in effect at the time of a withdrawal, the withdrawal will not reduce the Total Face Amount, but it will increase the sum of the withdrawals, which has the effect of reducing the Death Benefit (see the Death Benefit section for details). If the Insured dies after the request for a withdrawal is received by us and prior to the withdrawal being processed, the withdrawal, if allowed under this provision, will be processed and paid to the Owner's death, no Option has been chosen for paying or to the death benefit proceeds, Owner’s estate before the Beneficiary may choose an Option within one yearDeath Benefit Proceeds are determined and paid to the beneficiary. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:ICC19 P19VULM Page [20]

Cash Surrender Value. The Cash Surrender Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows: (1)We 1) We take the ContractCertificate's Accumulation Value; (2)We 2) We adjust for any applicable Market Value Adjustment; (3)We 3) We deduct any Surrender ChargesCharges as shown on the Certificate Schedule Page; (4)We 4) We deduct any charges shown in the Schedule Certificate that have been incurred but not yet deducted, including: (a)any administrative charge that has not yet been deducted; (b)the pro rata part of including any charges for Optional Benefit Riders; and (c)any applicable premium or other taxPremium Tax. Cancelling BEGINNING ON THE THIRTIETH DAY IMMEDIATELY PRECEDING THE MATURITY DATE OF A GUARANTEE PERIOD THERE IS NO SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT. A WRITTEN REQUEST BY THE CERTIFICATE OWNER FOR SURRENDER OR TRANSFER TO ANOTHER GUARANTEE PERIOD MUST BE RECEIVED IN OUR CUSTOMER SERVICE CENTER BEFORE THE END OF SUCH 30-DAY PERIOD OF THE INITIAL OR SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES AND THE MARKET VALUE ADJUSTMENT APPLY TO EACH SUBSEQUENT GUARANTEE PERIOD. SURRENDER CHARGES FOR EACH SUBSEQUENT GUARANTEE PERIOD START AT 8% FOR THE FIRST YEAR, THEN DECREASE BY 1% PER YEAR BEGINNING IN YEAR 2 UNTIL THE MATURITY DATE OF THAT GUARANTEE PERIOD. Canceling to Receive the Cash Surrender Value At any time while the Annuitant is living and before the Annuity Commencement Date, you a Certificate Owner may surrender this Contract a Certificate to us. To do this, you a Certificate Owner must return this Contract the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Contract Certificate and your the Certificate Owner's signed request in our Customer Service Center. All benefits under this Contract the Certificate will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract Date, you may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule). The minimum amount that may be withdrawn is shown in the Schedule. The maximum amount that may be withdrawn without Surrender Charge is shown in the Schedule. To take a Partial Withdrawal, you must provide us satisfactory notice at our Customer Service Center. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Owners and any Owner dies, we will pay the surviving Owners the death benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ANNUITY BENEFITS If the Annuitant and Owner are living on the Annuity Commencement Date, we will begin making payments to the Owner. We will make these payment under the Annuity Option (or Options) as chosen in the application or as subsequently selected. You may choose or change an Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amounts of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (see Payments We Defer). Before we pay any Annuity Benefits, we require the return of this Contract. If this Contract has been lost, we require the applicable lost Contract form. ANNUITY COMMENCEMENT DATE SELECTION You select the Annuity Commencement Date. You may select any date following the fifth Contract Anniversary but before the required date of Annuity Commencement as shown in the Schedule. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:.

Cash Surrender Value. The Cash Surrender Value is the Accumulated Value, . Withdrawals – Upon Written Request on or after the first policy anniversary while the Annuitant Insured is living living, you may withdraw a portion of the Net Cash Surrender Value of this policy. Withdrawals will be subject to the following conditions: The amount of each withdrawal must be at least $500 and before the Annuity Commencement DateNet Cash Surrender Value remaining after each withdrawal must be at least $500. Also, if there is determined as follows: (1)We take any Policy Debt at the Contract's Accumulation Value; (2)We adjust for any applicable Market Value Adjustment; (3)We deduct any Surrender Charges; (4)We deduct any charges shown in time of each withdrawal, the Schedule that have been incurred but not yet deductedamount of the withdrawal is limited to the excess, including: (a)any administrative charge that has not yet been deducted; (b)the pro rata part if any, of any charges for Optional Benefit Riders; and (c)any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value At any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender this Contract to us. To do this, you must return this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Contract and your signed request in our Customer Service Center. All benefits under this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract Date, you may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule). The minimum amount that may be withdrawn is shown in the Schedule. The maximum amount that may be withdrawn without Surrender Charge is shown in the Schedule. To take a Partial Withdrawal, you must provide us satisfactory notice at our Customer Service Center. PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Owner dies immediately prior to the Annuity Commencement Date, we withdrawal over the result of the Policy Debt divided by 90%. The amount of each withdrawal will pay be allocated proportionately to the Beneficiary Accumulated Value in the death benefitInvestment Options unless you request otherwise. If there are joint Owners the Insured dies after the request for a withdrawal is sent to us and any Owner dies, we will pay the surviving Owners the death benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the death benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived withdrawal being effected, the Annuitant). Only one death benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof amount of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ANNUITY BENEFITS If the Annuitant and Owner are living on the Annuity Commencement Date, we will begin making payments to the Owner. We will make these payment under the Annuity Option (or Options) as chosen in the application or as subsequently selected. You may choose or change an Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amounts of the payments withdrawal will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (see Payments We Defer). Before we pay any Annuity Benefits, we require the return of this Contract. If this Contract has been lost, we require the applicable lost Contract form. ANNUITY COMMENCEMENT DATE SELECTION You select the Annuity Commencement Date. You may select any date following the fifth Contract Anniversary but before the required date of Annuity Commencement as shown in the Schedule. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice deducted from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, which will be determined without taking the Beneficiary may choose an Option within one yearwithdrawal into account. You Withdrawals may also elect an Annuity affect the Face Amount. A withdrawal will reduce the Face Amount, but only for policies having Death Benefit Option on surrender A. In such case, a withdrawal in excess of the Contract difference between the Minimum Death Benefit and the Face Amount will reduce the Face Amount by the amount of the excess. A withdrawal will not be allowed if it causes the Face Amount to drop below our minimum issue limit of $12,000 TIMING OF PAYMENTS AND TRANSFERS Variable Accounts – With respect to allocations made to the Variable Accounts, we will calculate values for its Cash Surrender Valuesurrenders, withdrawals, loans and, unless transfers are restricted, transfers as of the end of the Valuation Date on or next following the day on which we receive your instructions. For each Option any portion of death benefit depending on the Variable Accumulated Value, we will issue a separate written agreement putting calculate such value as of the Option into effectend of the Valuation Date on or next following the day on which the Insured’s death occurs. Our approval is We will pay such amounts and will process such transfers within seven days after we receive all the information needed for the transaction. However, we may postpone the calculation, payment or transfer of any Option where:amounts that are based on the investment performance of the Variable Accounts, if: • the New York Stock Exchange is closed on other than customary weekend and holiday closings; or • an emergency exists, as determined by the SEC, as a result of which it is not reasonably practicable to determine the value of the Account assets or to dispose of Account securities.

Cash Surrender Value. The Cash Surrender Value, while the Annuitant is living and cash surrender value before the Annuity Commencement Dateannuity commencement date, is determined as follows: (1)We 1) We take the Contracta Certificate's Accumulation Valueaccumulation value; (2)We 2) We adjust for any applicable Market Value Adjustment; (3)We 3) We deduct any Surrender Charges; and (4)We 4) We deduct any charges as shown in the Schedule each Certificate that have been incurred but not yet deducted, including: (a)any a) any administrative charge that has not yet been deducted; (b)the pro rata b) the prorata part of any charges for Optional Benefit Ridersoptional benefit riders; and (c)any c) any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value At The Certificate Owner may, at any time while the Annuitant is living and before the Annuity Commencement Dateannuity commencement date, you may surrender this Contract a Certificate to us. To do this, you the Certificate Owner must return this Contract the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value cash surrender value will vary daily. We will determine the Cash Surrender Value cash surrender value as of the date we receive the Contract Certificate and your the signed request in our Customer Service Center. All benefits under this Contract the Certificate will then end. hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 We will usually pay the Cash Surrender Value cash surrender value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract certificate Date, you the Certificate Owner may make Partial Withdrawalspartial withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule)Charge. The minimum amount that may be withdrawn is shown in the Scheduleeach Certificate. The maximum amount that may be withdrawn without Surrender Charge is shown in the Scheduleeach Certificate. To take a Partial Withdrawalpartial withdrawal, you must provide us satisfactory notice at must be sent to our Customer Service Center. GA-MA-1082 <PAGE> Death Benefit Proceeds -------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole certificate Owner dies prior to the Annuity Commencement Dateannuity commencement date, we will pay the Beneficiary beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the death benefit will proceeds become payable on the death of the Annuitant annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant contingent annuitant survived the Annuitantannuitant). Only one death benefit is payable under this Contracta Certificate. In all events, distributions under the Contract Certificate must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the certificate Owner's (or the Annuitantannuitant's) death before we will make any payments to the Beneficiarybeneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 MA-1082 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ Choosing an Income Plan -------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant annuitant and certificate Owner are living on the Annuity Commencement Dateannuity commencement date, we will begin making payments to the certificate Owner. We will make these payment payments under the Annuity Option annuity option (or Optionsoptions) as chosen in the application initially or as subsequently selected. You An annuity option may choose be chosen or change an Annuity Option changed by making a written request at least 30 days prior to the Annuity Commencement Dateannuity commencement date. Unless you have chosen otherwise, Option 2 on a 10-year period hxxxx://xxx.xxx.xxx/Xxxxxxxx/exxxx/data/836687/000083727601500024/ex4amaster.txt 10/31/2017 certain basis will become effective. The amounts amount of the payments will be determined by applying the Accumulation Value accumulation value on the Annuity Commencement Date annuity commencement date in accordance with the Annuity Options section below (see See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any Annuity Benefitsannuity benefits, we require the return of this Contractthe Certificate. If this Contract a Certificate has been lost, we require the applicable lost Contract Certificate form. ANNUITY COMMENCEMENT DATE SELECTION You select The Certificate Owner selects the Annuity Commencement Date. You Any date may select any date be elected following the fifth Contract Anniversary certificate anniversary but before the required date of Annuity Commencement annuity commencement as shown in the Scheduleeach Certificate. If you do a date is not select a dateselected, the Annuity Commencement Date annuity commencement date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:annuity commencement.

Cash Surrender Value. The Cash Surrender Value, while the Annuitant is living and Value before the Annuity Commencement Date, is determined as follows: (1)We 1) We take the Contracta Certificate's Accumulation Value; (2)We 2) We adjust for any applicable Market Value Adjustment; (3)We 3) We deduct any Surrender Charges; (4)We 4) We deduct any charges as shown in the Schedule each Certificate that have been incurred but not yet deducted, including: (a)any a) any administrative charge that has not yet been deducted; (b)the b) the pro rata part of any charges for Optional Benefit Ridersoptional benefit riders; and (c)any c) any applicable premium or other tax. Cancelling to Receive the Cash Surrender Value At The Certificate Owner may, at any time while the Annuitant is living and before the Annuity Commencement Date, you may surrender this Contract a Certificate to us. To do this, you the Certificate Owner must return this Contract the Certificate with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the Cash Surrender Value as of the date we receive the Contract Certificate and your the signed request in our Customer Service Center. All benefits under this Contract the Certificate will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision. PARTIAL WITHDRAWAL OPTION After the Contract Certificate Date, you the Certificate Owner may make Partial Withdrawals. Partial Withdrawals may be subject to a Partial Withdrawal Charge (see the Schedule)Charge. The minimum amount that may be withdrawn is shown in the Scheduleeach Certificate. The maximum amount that may be withdrawn without Surrender Charge is shown in the Scheduleeach Certificate. To take a Partial Withdrawal, you must provide us satisfactory notice at must be sent to our Customer Service Center. GA-MA-1074 20 <PAGE> <PAGE> DEATH BENEFIT PROCEEDS ------------------------------------------------------------------------------- PROCEEDS PAYABLE TO THE BENEFICIARY Prior to the Annuity Commencement Date If the sole Certificate Owner dies prior to the Annuity Commencement Date, we will pay the Beneficiary the death benefit. If there are joint Certificate Owners and any Certificate Owner dies, we will pay the surviving Certificate Owners the death benefit. We will pay the amount on receipt of due proof of the Certificate Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Certificate Owner (or all Certificate Owners where there are joint Certificate Owners) is not an individual, the death benefit will proceeds become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one death benefit is payable under this Contracta Certificate. In all events, distributions under the Contract Certificate must be made as required by applicable law. GA-IA-1074 <PAGE> <PAGE> YOUR CONTRACT BENEFITS (continued) ------------------------------------------------------------------------------ How to Claim Payments to Beneficiary We must receive proof of the Certificate Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the death benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions. GA-IA-1074 MA-1074 <PAGE> <PAGE> CHOOSING AN INCOME PLAN ------------------------------------------------------------------------------ ------------------------------------------------------------------------------- ANNUITY BENEFITS If the Annuitant and Certificate Owner are living on the Annuity Commencement Date, we will begin making payments to the OwnerCertificateowner. We will make these payment payments under the Annuity Option (or Options) as chosen in the application initially or as subsequently selected. You may choose or change an An Annuity Option may be chosen or changed by making a written request at least 30 days prior to the Annuity Commencement Date. Unless you have chosen otherwise, Option 2 on a 10-year period certain basis will become effective. The amounts amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (see See Payments We May Defer). See each Certificate for certain restrictions which may apply. Before we pay any Annuity Benefitsannuity benefits, we require the return of this Contractthe Certificate. If this Contract a Certificate has been lost, we require the applicable lost Contract certificate form. ANNUITY COMMENCEMENT DATE SELECTION You select The Certificate Owner selects the Annuity Commencement Date. You Any date may select any date be elected following the fifth Contract Certificate Anniversary but before the required date of Annuity Commencement annuity commencement as shown in the Scheduleeach Certificate. If you do a date is not select a dateselected, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. FREQUENCY SELECTION You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. THE INCOME PLAN While this Contract is in effect and before the Annuity Commencement Date, you may chose one or more Annuity Options for the payment of death benefits proceeds. If, at the time of the Owner's death, no Option has been chosen for paying the death benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect. Our approval is needed for any Option where:annuity commencement.