Common use of Death of Annuitant/Beneficiary Clause in Contracts

Death of Annuitant/Beneficiary. When an Annuitant dies while payments are being made under an Annuity Option, payments will be continued to the beneficiary as provided by the option. If no beneficiary is living, the present value of any remaining payments will be paid in one sum to the owner. The present value will assume the same interest rate that was used when the first payment was made. When a beneficiary dies while a sum is held at interest, the amount held will be paid in one sum to the estate of the beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. GLID-CDA-HO 22 Aetna Life Insurance and Annuity Company Home Office: 000 XXXXXXXXXX XXX. HARTFORD, CONNECTICUT 06156 (000) 000-0000 GROUP VARIABLE OR FIXED ANNUITY OR COMBINATION CONTRACT NON-PARTICIPATING ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT GLID-CDA-HO 23 Aetna Life Insurance and Annuity Company ENDORSEMENT ----------- This Contract or Certificate is endorsed to add at the end of the Surrender Value provision the following: The surrender fee of 2% is not deducted for a surrender from the Reserve, or from a Participant's Individual Account, when:

Death of Annuitant/Beneficiary. When an Annuitant dies while payments are being made under an Annuity Option, payments will be continued to the beneficiary as provided by the option. If no beneficiary is living, the present value of any remaining payments will be paid in one sum to the ownerestate of the Annuitant. The present value will assume the same interest rate that was used when the first payment was made. When a beneficiary dies while a sum is held at interest, the amount held will be paid in one sum to the estate of the beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. GLID-CDA-HO 22 Aetna Life Insurance and Annuity Company Home Office: 000 XXXXXXXXXX XXX. HARTFORD, CONNECTICUT 06156 (000) 000-0000 GROUP VARIABLE OR FIXED ANNUITY OR COMBINATION CONTRACT NON-PARTICIPATING ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT GLID-CDA-HO 23 Aetna Life Insurance and Annuity Company ENDORSEMENT ----------- This Contract or Certificate is endorsed to add at the end of the Surrender Value provision the following: The surrender fee of 2% is not deducted for a surrender from the Reserve, or from a Participant's Individual Account, when:

Death of Annuitant/Beneficiary. When an Annuitant dies while payments are being made under an Annuity Option, payments will be continued to the beneficiary as provided by the option. If no beneficiary is living, the present value of any remaining payments will be paid in one sum to the ownerOwner. The present value will assume the same interest rate that was used when the first payment was made. When a beneficiary dies while a sum is held at interest, the amount held will be paid in one sum to the estate of the beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. GLID-CDA-HO 22 Aetna Life Insurance and Annuity Company Home Office19 [LOGO] AETNA LIFE INSURANCE AND ANNUITY COMPANY HOME OFFICE: 000 XXXXXXXXXX XXX. HARTFORD, CONNECTICUT 06156 (0-000) -000-0000 GROUP VARIABLE OR FIXED ANNUITY OR COMBINATION CONTRACT NON-PARTICIPATING ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (39169) CAT. 2000599000 GLID-CDA-HO 23 Aetna Life Insurance PRINTED IN U.S.A. AETNA LIFE INSURANCE AND ANNUITY COMPANY ENDORSEMENT The Contract is hereby endorsed as follows: Delete the paragraph entitled DEDUCTIONS FROM THE SEPARATE ACCOUNT AND THE FUNDS on the SPECIFICATIONS page and Annuity Company ENDORSEMENT ----------- This Contract or Certificate is endorsed to add at the end of the Surrender Value provision replace it with the following: The surrender fee of 2% is not deducted for a surrender from the Reserve, or from a Participant's Individual Account, when:

Death of Annuitant/Beneficiary. When an Annuitant dies while payments are being made under an Annuity Option, payments will be continued to the beneficiary as provided by the option. If no beneficiary is living, the present value of any remaining payments will be paid in one sum to the ownerestate of the Annuitant. The present value will assume the same interest rate that was used when the first payment was made. When a beneficiary dies while a sum is held at interest, the amount held will be paid in one sum to the estate of the beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. GLIDIST-CDA-HO 22 24 Aetna Life Insurance and Annuity Company Home Office: 000 XXXXXXXXXX XXX. HARTFORD, CONNECTICUT 06156 (000) 000-0000 GROUP VARIABLE OR FIXED ANNUITY OR COMBINATION DEPOSIT ADMINISTRATION CONTRACT NON-PARTICIPATING ACTIVE LIFE FUND IN SEPARATE ACCOUNT AND GENERAL ACCOUNT ALL PAYMENTS AND VALUES PROVIDED BY THIS THE CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT GLIDAMOUNT. IST-CDA-HO 23 25 Aetna Life Insurance and Annuity Company ENDORSEMENT ----------- This Contract or Certificate is hereby endorsed as follows: Payments under any life Annuity Option in this Contract or Certificate; which is elected on or after the effective date of this endorsement, will be determined without regard to add at the end sex of the Surrender Value provision Annuitant(s). Any such payments will be based solely on the following: The surrender fee age of 2% is not deducted the Annuitant(s) (as determined by the Contract or Certificate); using the most favorable rate for that age under the benefit elected. If a larger payment would result by a female Annuitant using the rates shown in the Contract or Certificate for a surrender from male, the Reservelarger payment will be made. Endorsed and made a part of the Contract or Certificate effective August 1, or from a Participant's Individual 1983. /s/ Xxxxxxx X. Xxxxxx President EUSR-HC Aetna Life Insurance and Annuity Company ENDORSEMENT Aetna hereby endorses this Contract to allow the transfer of Reserves out of the General Account, when. Such transfers will be:

Death of Annuitant/Beneficiary. When an Annuitant dies while payments are being made under an Annuity Option, payments will be continued to the beneficiary as provided by the option. If no beneficiary is living, the present value of any remaining payments will be paid in one sum to the ownerOwner. The present value will assume the same interest rate that was used when the first payment was made. When a beneficiary dies while a sum is held at interest, the amount held will be paid in one sum to the estate of the beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, the present value of any remaining payments will be paid in one sum to the estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. GLIDGSD-CDA-HO 22 21 Aetna Life Insurance and Annuity Company Home Office: 000 XXXXXXXXXX XXX. HARTFORD, CONNECTICUT 06156 (000) 000-0000 GROUP VARIABLE OR FIXED ANNUITY OR COMBINATION CONTRACT NON-PARTICIPATING ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF A SEPARATE ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT GLIDGSD-CDA-HO 23 Aetna Life Insurance and Annuity Company ENDORSEMENT ----------- This Contract or Certificate is endorsed to add at the end of the Surrender Value provision the following: The surrender fee of 2% is not deducted for a surrender from the Reserve, or from a Participant's Individual Account, when:22