Common use of DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER Clause in Contracts

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106) 10

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: on a Valuation Date after the close of trading on the New York Stock Exchange; or . on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 's 75th birthday, the Death Benefit will not be less than: • . total Net Purchase Payments paid under the Contractcontract; less • . an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106) 10.

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106XX.X.X.XX.(0805) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: on a Valuation Date after the close of trading on the New York Stock Exchange; or . on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 's 75th birthday, the Death Benefit will not be less than: • . total Net Purchase Payments paid under the Contractcontract; less • . an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106XX.X.X.XX.(0704) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106RR.V.A.BK.(0805) 1012

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: on a Valuation Date after the close of trading on the New York Stock Exchange; or . on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 's 75th birthday, the Death Benefit will not be less than: • . total Net Purchase Payments paid under the Contractcontract; less • . an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106RP.V.A.BK.(0803) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit death benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit death benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefitdeath benefit. XX.X.X.XX. (1106ICC12.RR.VA.ABK.(0313) 1012

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: on a Valuation Date after the close of trading on the New York Stock Exchange; or . on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 's 75th birthday, the Death Benefit will not be less than: • . total Net Purchase Payments paid under the Contractcontract; less • . an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106XX.X.X.XX.(0803) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: • on a Valuation Date after the close of trading on the New York Stock Exchange; or • on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Net Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XXRR. V. B. MSNST. (11060803) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit death benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit death benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefitdeath benefit. XX.X.X.XX. (1106ICC12.RR.VA.BFR.(0313) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: • on a Valuation Date after the close of trading on the New York Stock Exchange; or • on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Net Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106XX.X.X.XX.(0803) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: on a Valuation Date after the close of trading on the New York Stock Exchange; or . on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 's 75th birthday, the Death Benefit will not be less than: • . total Net Purchase Payments paid under the Contractcontract; less • . an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XXRP.V.B.MSNST. (11060704) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office either: • on a Valuation Date after the close of trading on the New York Stock Exchange; or • on a day on which the New York Stock Exchange is closed. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Net Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Net Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106RR.V.B.BK.(0803) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit death benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit death benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefitdeath benefit. XX.X.X.XX. (1106ICC12.RR.VA.AFB.(0313) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106RR.V.B.MSNST.(0805) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit will be the Accumulation Value of the Contract contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit will not be less than: • total Purchase Payments paid under the Contractcontract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract contract will be set at an amount equal to the Death Benefit. XX.X.X.XX. (1106RR.V.B.BK.(0805) 1012

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit death benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit death benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefitdeath benefit. XX.X.X.XX. (1106ICC12.RR.VA.AFR.(0313) 1011

DEATH BENEFIT IF ANNUITANT IS NOT AN OWNER. If the Annuitant is not an Owner, upon the death of the Annuitant the Contract continues with the Contingent Annuitant (Section 6.5) as the new Annuitant. The Death Benefit death benefit will be the Accumulation Value of the Contract determined on the effective date. The effective date is the date on which proof of death is received at the Home Office. However, the effective date will be the next following Valuation Date if the proof of death is received at the Home Office on a Valuation Date after the close of trading on the New York Stock Exchange. If the Primary Annuitant dies prior to the Primary Annuitant’s 75th birthday, the Death Benefit death benefit will not be less than: • total Purchase Payments paid under the Contract; less • an adjustment for every withdrawal made under Section 4.5. The adjustment for each withdrawal equals (a) times (b), where: (a) = the amount withdrawn from the Accumulation Value divided by the Accumulation Value immediately before the withdrawal; and (b) = total Purchase Payments paid under the Contract prior to the withdrawal less all adjustments for prior withdrawals. As of the effective date, the Accumulation Value of the Contract will be set at an amount equal to the Death Benefitdeath benefit. XX.X.X.XX. (1106ICC12.RR.VA.BBK.(0313) 1012