Common use of Death of Annuitant Clause in Contracts

Death of Annuitant. On Your death, CIBC will pay the Fund Proceeds or continue the Payments to the Successor Annuitant, as applicable (the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and any other documents CIBC may require. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution of the After Death Payments or under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an Instrument, if more than one beneficiary was designated, the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment will be paid to the Your Estate Representative. Upon notice of Your death, CIBC will continue to hold the Fund in the Fund Options until it receives an instruction from the person or, if there is more than one entitled person, instructions from all persons, entitled to the Fund Proceeds, to dispose of the Fund Options; if there is more than one entitled person and all such persons cannot agree, within a reasonable time period as CIBC assesses, in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled). CIBC will only change the name of the Fund into the name of the Successor Annuitant or pay the After Death Payments to the Successor Annuitant or the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order to establish that you did not subsequently revoke or amend the designation of the Successor Annuitant or Beneficiary by Will or otherwise. CIBC may require proof satisfactory to it that the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your death.

Death of Annuitant. On Your deathIn the event of the death of the Annuitant while receiving annuity payments, CIBC the present values of the current dollar amount on the date of death of any remaining guaranteed number of payments, or any then remaining balance of proceeds under the Fifth Option will pay the Fund Proceeds or continue the Payments be paid in one sum to the Successor Beneficiary unless other provisions shall have been made and approved by the Company. However, if the Contract Owner was also the Annuitant, any method of distribution must provide that any amount payable as applicable (a death benefit will be distributed at least as rapidly as under the “After Death Payment”) method of distribution in accordance with effect at the latest dated Instrument it has notice Contract Owner's death. Calculations of in its records, upon receiving satisfactory evidence such present value of Your death and any other documents CIBC may require. CIBC may delay the guaranteed payments for any period it may determine in its absolute discretion if it believes remaining will be based on the interest rate that a delay is required or advisable used by the Company to determine the proper recipient and distribution amount of each certain payment. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An annuity payable monthly during the lifetime of the After Death Annuitant, ceasing with the last payment due prior to the death of the Annuitant. SECOND OPTION - Life Annuity - with 120, 180, or 240 Monthly Payments Certain - An annuity providing monthly income to the Annuitant for a fixed period of 120 months, 180 months, or 240 months (as selected), and for as long thereafter as the Annuitant shall live. THIRD OPTION - Cash Refund Life Annuity - An annuity payable monthly during the lifetime of the Annuitant, ceasing with the last payment due prior to the death of the Annuitant provided that, at the death of the Annuitant, the beneficiary will receive an additional payment equal to the excess, if any, of (a) over (b) where: (a) is the Account Value applied on the Annuity Commencement Date under this option: and (b) is the dollar amount of annuity payments already paid. FOURTH OPTION - Joint and Last Survivor Life Annuity - An annuity payable monthly during the joint lifetime of the Annuitant and a secondary payee, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. FIFTH OPTION - Payments for a designated Period - An amount payable monthly for the number of years selected which may be from 5 to 30 years. Form HL-12152 Printed in U.S.A. ANNUITY TABLES The attached tables show the dollar amount of monthly payments for each $1,000 applied under the five options. Under the First, Second, or Third Options, the amount of each payment will depend upon the age and sex of the Annuitant at the time the first payment is due. Under the Fourth Option, the amount of each payment will depend upon the sex of both payees and their ages at the time first payment is due. MINIMUM PAYMENT The option elected must result in a payment of at least $20.00. If at any applicable lawtime payments are less than $20.00, the Company has the right to change the frequency to an interval resulting in a payment of at least $20.00. CIBC will not be liable If any amount due is less than $20.00 per year, the Company may make other arrangements that are equitable to the Annuitant. DESCRIPTION OF TABLES The tables for the First, Second, Third and Fourth Options are based on the 1983a. Individual Annuity Mortality Table with ages set back one year and a net investment rate of 4% per annum. The Table for the Fifth Option is based on a net investment rate of 4% per annum. Form HL-12146 Printed in U.S.A. AMOUNT OF FIRST MONTHLY PAYMENT FOR EACH $1,000 APPLIED FIRST, SECOND AND THIRD OPTIONS - SINGLE LIFE ANNUITIES WITH: MALE PAYEE MONTHLY PAYMENTS GUARANTEED AGE NONE 120 180 240 CASH REFUND --------------------------------------------------------------------------- 35 $4.03 $4.02 $4.01 $3.99 $3.99 40 4.22 4.21 4.19 4.16 4.16 45 4.47 4.44 4.41 4.36 4.36 50 4.79 4.74 4.68 4.60 4.63 51 4.86 4.81 4.74 4.65 4.68 52 4.94 4.88 4.80 4.71 4.74 53 5.02 4.95 4 87 4.76 4.81 54 5.10 5.03 4.94 4.82 4.88 55 5.19 5.11 5.01 4.88 4.95 56 5.29 5.20 5.09 4.94 5.03 57 5.39 5.29 5.17 5.00 5.11 58 5.49 5.38 5.25 5.06 5.20 59 5.61 5.48 5.33 5.12 5.28 60 5.73 5.59 5.42 5.18 5.38 61 5.86 5.70 5.51 5.24 5.48 62 6.00 5.82 5.60 5.31 5.59 63 6.16 5.95 5.69 5.37 5.71 64 6.32 6.08 5.79 5.43 5.84 65 6.49 6.21 5.89 5.48 5.98 66 6.68 6.35 5.98 5.54 6.13 67 6.88 6.50 6.08 5.59 6.23 68 7.09 6.65 6.18 5.64 6.40 69 7.31 6.81 6.28 5.69 6.58 70 7.56 6.97 6.37 5.73 6.77 75 9.05 7.83 6.80 5.89 7.89 80 11.16 8.66 7.10 5.97 9.86 FEMALE PAYEE MONTHLY PAYMENTS GUARANTEE AGE NONE 120 180 240 CASH REFUND ---- -------------------------------------------------------------------- 35 $3.86 $3.86 $3.85 $3.84 $3.84 40 4.01 4.00 3.99 3.98 3.98 45 4.19 4.18 4.17 4.15 4.15 50 4.44 4.42 4.39 4.36 4.37 51 4.50 4.47 4.45 4.40 4.41 52 4.56 4.53 4.50 4.45 4.47 53 4.62 4.59 4.56 4.50 4.51 54 4.69 4.66 4.62 4.56 4.58 55 4.76 4.72 4.68 4.61 4.64 56 4.84 4.80 4.74 4.67 4.70 57 4.92 4.87 4.81 4.73 4.77 58 5.00 4.95 4 88 4.79 4.84 59 5.09 5.03 4.96 4.85 4.91 60 5.19 5.12 5.04 4.91 5.02 61 5.29 5.22 5.12 4.98 5.07 62 5.40 5.32 5.21 5.05 5.17 63 5.52 5.42 5.30 5.11 5.26 64 5.65 5.53 5.39 5.18 5.36 65 5.78 5.65 5.49 5.25 5.48 66 5.92 5.77 5.58 5.32 5.59 67 6.08 5.90 5.69 5.39 5.72 68 6.24 6.04 5.79 5.45 5.86 69 6.42 6.19 5.90 5.51 6.01 70 6.61 6.34 6.01 5.58 6.18 75 7.83 7.21 6.54 5.82 7.21 80 9.65 8.19 6.97 5.94 8.68 FOURTH OPTION - JOINT AND LAST SURVIVOR ANNUITY AGE OF AGE OF FEMALE PAYEE MALE PAYEE 35 40 45 50 55 ----------------------------------------------------------------------------- 35 $3.62 $3.68 $3.73 $3.77 $3.81 40 3.65 3.73 3.80 3.86 3.92 45 3.68 3.77 3.86 3.95 4.04 50 3.70 3.80 3.92 4.04 4.16 55 3.72 3.83 3.96 4.11 4.27 60 3.73 3.85 4.00 4.17 4.36 65 3.74 3.87 4.03 4.21 4.44 70 3.75 3.88 4.05 4.25 4.50 75 3.76 3.89 4.06 4.27 4.54 80 3.76 3.90 4.07 4.29 4.57 AGE OF AGE OF FEMALE PAYEE MALE PAYEE 60 65 70 75 80 ------------ ---------------------------------------------------------- 35 $3.84 $3.87 $3.89 $3.90 $3.91 40 3.97 4.01 4.04 4.07 4.09 45 4.12 4.18 4.23 4.27 4.30 50 4.27 4.37 4.45 4.52 4.57 55 4.43 4.58 4.71 4.81 4.89 60 4.57 4.79 4.99 5.17 5.30 65 4.70 4.99 5.29 5.57 5.80 70 4.81 5.17 5.57 5.99 6.38 75 4.88 5.31 5.82 6.40 7.00 80 4.94 5.41 6.01 6.75 7.58 FIFTH OPTION - PAYMENTS FOR A DESIGNATED PERIOD AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS --------------------------------------------------------------------------------------------------------- 5 $18.32 10 $10.06 15 $7.34 6 15.56 11 9.31 16 7.00 7 13.59 12 8.69 17 6.71 8 12.12 13 8.17 18 6.44 9 10.97 14 7.72 19 6.21 AMOUNT OF AMOUNT OF AMOUNT OF NO. OF MONTHLY NO. OF MONTHLY NO. OF MONTHLY YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS ---- ------------------------------------------------------------------------------------------------- 20 $6.00 25 $5.22 30 $4.72 21 5.81 26 5.10 22 5.64 27 5.00 23 5.49 28 4.90 24 5.35 29 4.80 The monthly payment for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is ages not entitled to the interest in the Fund arising on Your death shown will be deemed quoted upon request. [LOGO] THE HARTFORD Form HL-12129 Printed in U.S.A [LOGO] THE HARTFORD GUARANTEE PERIOD TRANSFER RIDER This rider is issued as part of the contract to have predeceased Youwhich it is attached. Subject The Date of Issue and Contract Date applicable to this rider are the terms of an Instrument, if more than one beneficiary was designated, the Fund Proceeds will be divided among same as those of the designated Beneficiaries who survive You, in contract. The General Provisions of the percentage share specified contract to which this rider is attached are amended by You (if no percentage was specifiedadding the following: TRANSFERS BETWEEN GUARANTEE PERIODS Once each Contract Year, the Fund Proceeds Contract Owner may elect, In Writing, to transfer out of the current Guarantee Period and into a Guarantee Period of different duration. At that time, a new Guarantee Period will be divided equally); should any Beneficiary predecease Youestablished for the duration chosen by the Contract Owner, and the percentage share Account Value at the beginning of the predeceased Beneficiary new Guarantee Period will be divided equally among Beneficiaries who survive You; if only one equal the Account Value for the current Guarantee Period multiplied by the Market Value Adjustment for the current Guarantee Period. The Company reserves the right to charge for any such transfer by reducing the Account Value at the beginning of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceedsnew Guarantee Period by an amount not to exceed $50.00. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment will be paid to the Your Estate Representative. Upon notice of Your death, CIBC Surrender charges will continue to hold be based on the Fund in the Fund Options until it receives an instruction appropriate Contract Year as determined from the person ororiginal Contract Date. Signed for the HARTFORD LIFE INSURANCE COMPANY /s/ John P. Ginnatti /s/ R.S. Lackey ----------------------------------- ----------------------------------- John P. Ginnatti, if there SECRETARY R.S. Lackey, PRESIDENT Form XX-00008 Printed in U.S.A Annuity [LOGO] REGULAR MAIL TO: Application THE HARTFORD HARTFORD LIFE INSURANCE COMPANY Please Print ATTN: BROKER/DEALER OPERATIONS - CRC P.O. BOX 2999 HARTFORD, CT 06100-0000 XXXXXXX XXXX XX: 000 XXXXXXXXW STREET SIMSBURY, XX 00000 CONTRACT OWNER (Also the Annuitant unless the Annuitant block below is more completed) ------------------------------------------------------------------------------------------------------------------------------- Name Street, City, State, Zip Code Sex Birthdate (Mo. Day Yr.) Tax ID/Soc. Sec. No. Matthew Brown 1 Main st, /X/ Xxxx 01-12-51 123-45-6789 Hartford CT 06106 / / Female JOINT CONTRACT OWNER -------------------------------------------------------------------------------------------------------------------------------- Name Street, City, State, Zip Code Birthdate (Mo. Day Yr.) Tax ID/Soc. Sec. No. ANNUITANT (If other than one entitled personContract Owner) -------------------------------------------------------------------------------------------------------------------------------- Name Street, instructions from all personsCity, entitled to the Fund ProceedsState, to dispose of the Fund Options; if there is more than one entitled person and all such persons cannot agreeZip Code Sex Birthdate (Mo. Day Yr.) Tax ID/Soc. Sec. No. / / Male / / Female CONTINGENT ANNUITANT -------------------------------------------------------------------------------------------------------------------------------- Name Street, within a reasonable time period as CIBC assessesCity, in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such personsState, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit Zip Code Sex Birthdate (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled)Mo. Day Yr.) Tax ID/Soc. CIBC will only change the name of the Fund into the name of the Successor Annuitant or pay the After Death Payments to the Successor Annuitant or the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order to establish that you did not subsequently revoke or amend the designation of the Successor Annuitant or Beneficiary by Will or otherwiseSec. CIBC may require proof satisfactory to it that the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your death.No. / / Male / / Female DESIGNATED BENEFICIARY ------------------------------------------------------------------------------------------------------------------------------ Primary Relationship Contingent Relationship Kelly Brown Wife CONTRACT PROVISIONS -------------------------------------------------------------------------------------------------------------------------------

Death of Annuitant. On Your deathIn the event of the death of the Annuitant while receiving Annuity payments, CIBC the Beneficiary will pay continue to receive the Fund Proceeds or continue remaining guaranteed payments as scheduled. Alternatively, the Payments Beneficiary may elect to receive a lump sum payment of the Death Benefit equal to the Successor present value of any remaining guaranteed payments. ANNUITY OPTIONS FIRST OPTION - Life Annuity - An Annuity payable during the lifetime of the Annuitant, as applicable (the “After Death Payment”) in accordance ceasing with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your last payment due prior to the death and any other documents CIBC may require. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution of the After Death Payments or under any applicable lawAnnuitant. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance SECOND OPTION - Life Annuity with a Cash Refund - An Annuity payable during the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an Instrument, if more than one beneficiary was designated, the Fund Proceeds will be divided among those lifetime of the designated Beneficiaries who survive You, in Annuitant. At the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share death of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives YouAnnuitant, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment any remaining value will be paid to the Your Estate RepresentativeBeneficiary. Upon notice The remaining value equals the Contract Value applied on the Annuity Commencement Date, minus the dollar amount of Your deathAnnuity payments already paid and Premium Taxes. THIRD OPTION - Life Annuity with Payments for a Period Certain (5 years to 100 years minus Annuitant's age) - An Annuity payable for a fixed number of years and during the lifetime of the Annuitant. If, CIBC at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will continue to hold the Fund in the Fund Options until it receives an instruction from the person or, if there is more than one entitled person, instructions from all persons, entitled be made to the Fund Proceeds, Beneficiary or the Beneficiary can elect to dispose of receive the Fund Options; if there is more than one entitled person and all such persons cannot agree, within a reasonable time period as CIBC assesses, in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the present value of the share which is distributed to each personremaining payments in one sum. To calculate the present value We will use an interest rate We determine in Our discretion. FOURTH OPTION - Joint and Last Survivor Life Annuity - An Annuity payable during the joint lifetime of the Annuitant and a Joint Annuitant, is on and thereafter during the distribution date in accordance remaining lifetime of the survivor Annuitant. At the time of electing this option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor Annuitant. Payments will cease with the percentage share last payment prior to which each such person is entitled). CIBC will only change the name death of the Fund into survivor. If, at the name death of the Successor Annuitant or pay last surviving Annuitant, payments have been made for less than the After Death Payments period selected, the remaining payments will be made to the Successor Annuitant Beneficiary, or the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order can elect to establish that you did not subsequently revoke or amend receive the designation present value of the Successor remaining payments in one sum. To calculate the present value We will use an interest rate We determine in Our discretion. FIFTH OPTION - Joint and Last Survivor Life Annuity with Payments for a Period Certain (5 years to 100 years-age) - An Annuity payable for a fixed number of years and during the lifetimes of the Annuitant and the Joint Annuitant and thereafter during the remaining lifetime of the survivor. At the time of electing this Annuity Option, the Contract Owner may elect reduced payments over the remaining lifetime of the survivor. SIXTH OPTION - Payments for a Period Certain (5 years to 100 years minus Xxxxxxxxx's age) - An Annuity payable for a fixed number of years with period of 10 years or greater available at any time and periods of 5 to 10 years available on or after the second Contract Year. Payments will be made for the period and frequency selected. If, at the death of the Annuitant, payments have been made for less than the period selected, the remaining payments will be made to the Beneficiary by Will or otherwisethe Beneficiary can elect to receive the present value of the remaining payments in one sum. CIBC may require proof satisfactory To calculate the present value We will use an interest rate We determine in Our discretion. SEVENTH OPTION - Annuity Proceeds Annuity Option - Amounts otherwise payable as a Death Benefit left in the Contract for a period not to it that exceed five years from the Successor Annuitant was Your Spouse date of any Contract Owner or Common-law Partner Annuitant's death prior to the Annuity Commencement Date. The amounts otherwise payable as a Death Benefit will remain in the same Guarantee Period and continue to earn the same interest rate as at the time of Your death. If the Guarantee Period ends before the end of the five year period, the Beneficiary may elect a new Guarantee Period with a duration closest to, but not to exceed the time remaining in the period of five years from the date of the Contract Owner's or Annuitant's death. Full or partial surrenders may be made at any time. In the event of any surrender, the remaining value will equal the Death Benefit left with Us, minus any Gross Surrender Values, plus any interest earned.

Death of Annuitant. On Your receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payment Option, LNL will pay to the Beneficiary a Death Benefit equal to the greater of (a) the sum of all Purchase Payments minus any prior withdrawals; or (b) the current value of the Contract as of the day on which written notice of death is received by LNL. Due proof of death shall be either the certificate of death, CIBC will pay a certified copy of the Fund Proceeds or continue statement of death from the Payments attending physician, a certified copy of a decree of a court of competent jurisdiction as to the Successor Annuitantfinding of death, as applicable (the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and or any other documents CIBC may requireproof satisfactory to LNL. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution On receipt of due proof of death of the After Death Annuitant after Annuity Payments or have begun under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an InstrumentAnnuity Payment Option, if more than one beneficiary was designated, any Annuity Payments remain under the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment Option they will be paid to the Your Estate RepresentativeBeneficiary as provided by the Option. Upon notice of Your death, CIBC will continue to hold If the Fund in Beneficiary designated at the Fund Options until it receives an instruction from the person or, if there is more than one entitled person, instructions from all persons, entitled to the Fund Proceeds, to dispose time of the Fund Options; if there Annuitant's death is more than one entitled person and all such persons cannot agreea surviving spouse, within a reasonable time period as CIBC assesses, the Contract may be continued in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled). CIBC will only change the name of the Fund into spouse as the name Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies before Annuity Payments have begun under the Contract, the amounts must be distributed to the designated Beneficiary within five years of the Successor death of the Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies after Annuity Payments have begun under the Contract, the remaining portion of the Annuitant's interest must either be distributed at least as rapidly as under the method of distribution being used as of the date of the Annuitant's death or pay distributed over the After Death Payments to the Successor Annuitant or life of the Beneficiary or Beneficiaries or Your Estate Representative, as applicablea period not extending beyond the life expectancy of the Beneficiary. The distribution of these amounts must begin not later than one year after the Annuitant's death. Unless otherwise provided in the Beneficiary designation, if it receives satisfactory evidence of Your death or any other documents it may requireno Beneficiary survives the Annuitant, including letters probate or similar documentsthe proceeds will be paid in one sum to the Owner, in order if living; otherwise, to establish that you did not subsequently revoke or amend the designation of the Successor Annuitant or Beneficiary by Will or otherwise. CIBC may require proof satisfactory to it that the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your deathOwner's estate.

Death of Annuitant. On Your receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payment Option, LNL will pay to the Beneficiary the value of the Contract as of the day on which written notice of death is received by LNL. Due proof of death shall be either a certified copy of the certificate of death, CIBC will pay a certified copy of the Fund Proceeds or continue statement of death from the Payments attending physician, a certified copy of a decree of a court of competent jurisdiction as to the Successor Annuitantfinding of death, as applicable (the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and or any other documents CIBC may requireproof satisfactory to LNL. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution On receipt of due proof of death of the After Death Annuitant after Annuity Payments or have begun under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an InstrumentAnnuity Payment Option, if more than one beneficiary was designated, any Annuity Payments remain under the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment Option they will be paid to the Your Estate RepresentativeBeneficiary as provided by the Option. Upon notice of Your death, CIBC will continue to hold the Fund Unless otherwise provided in the Fund Options until it receives an instruction from the person orBeneficiary designation, if there is more than no Beneficiary survives the Annuitant, the proceeds will be paid in one entitled person, instructions from all persons, entitled sum to the Fund ProceedsOwner, if living; otherwise, to dispose of to the Fund Options; if there Owner's estate. If the Beneficiary designated at the Annuitant's death is more than one entitled person and all such persons cannot agreea surviving spouse, within a reasonable time period as CIBC assesses, the Contract may be continued in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled). CIBC will only change the name of the Fund into spouse as the name Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies before Annuity Payments have begun under this Contract, the proceeds must be distributed to the designated Beneficiary within five years of the Successor death of the Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies after Annuity Payments have begun under this Contract the remaining portion of the Annuitant's interest must either be distributed at least as rapidly as under the method of distribution being used as of the date of the Annuitant's death or pay distributed over the After Death Payments to the Successor Annuitant or life of the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order to establish that you did a period not subsequently revoke or amend extending beyond the designation life expectancy of the Successor Annuitant or Beneficiary by Will or otherwiseBeneficiary. CIBC may require proof satisfactory to it that The distribution of these amounts must begin not later than one year after the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your Annuitant's death.

Death of Annuitant. On Your death, CIBC will pay Following the Fund Proceeds or continue death of the Payments to the Successor Annuitant, as applicable (the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and any other documents CIBC may require. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution property of the After Death Payments or under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an Instrument, if more than one beneficiary was designated, the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment Plan will be paid to the Your Estate Representativesurviving spouse of the Annuitant unless the surviving spouse is not entitled to survivor benefits under applicable pension legislation. Upon notice If applicable pension legislation permits or requires the surviving spouse to receive a life annuity rather than a lump sum payment, the surviving spouse may instruct the Agent, on behalf of Your deaththe Trustee, CIBC to transfer the property of the Plan to a LIRA/LRSP, LIF, LRIF, Saskatchewan RIF or life annuity as permitted by applicable pension legislation and the Act. If the surviving spouse fails to provide the Agent with instructions within 180 days of the Annuitant’s death where Saskatchewan pension legislation governs the Plan or 60 days of the Annuitant’s death in all other cases, the Agent may deal with the assets of the Plan for the surviving spouse’s benefit as the Agent deems appropriate, subject to compliance with applicable pension legislation and the Act. If there is no surviving spouse, or if the surviving spouse has waived his or her spousal entitlement in accordance with applicable pension legislation, the property of the Plan will continue be paid to hold the Fund in the Fund Options until it receives an instruction from the person designated as beneficiary of the Plan, or if no such person has been designated, to the legal representatives of the deceased Annuitant’s estate. Where Newfoundland or Manitoba pension legislation governs the Plan and where the Annuitant is not the former member of the pension plan from which the property of the Plan was transferred, the property of the Plan will be paid to the person designated as beneficiary of the Plan or, if there is more than one entitled personno such person has been designated, instructions to the legal representative of the deceased Annuitant’s estate. Except as otherwise provided in this Addendum or in applicable pension legislation, any amounts paid pursuant to this paragraph 10 will discharge the Trustee and the Agent from all personsliability under the Plan, entitled to the Fund Proceeds, to dispose of the Fund Options; if there is more than one entitled person this Addendum and all such persons cannot agree, within a reasonable time period as CIBC assesses, in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled). CIBC will only change the name of the Fund into the name of the Successor Annuitant or pay the After Death Payments to the Successor Annuitant or the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar related documents, in order to establish that you did not subsequently revoke or amend the designation of the Successor Annuitant or Beneficiary by Will or otherwise. CIBC may require proof satisfactory to it that the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your death.

Death of Annuitant. On Your deathBeneficiary When an Annuitant dies while payments are being made under an Annuity Option, CIBC payments will pay the Fund Proceeds or continue the Payments be continued to the Successor Annuitant, beneficiary as applicable (provided by the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and any other documents CIBC may require. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution of the After Death Payments or under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an Instrument, if more than one beneficiary was designated, the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceedsoption. If no Successor Annuitant or Beneficiary beneficiary is designatedliving, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment present value of any remaining payments will be paid in one sum to the Your Estate Representativeestate of the Annuitant. Upon notice 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 Your deaththe beneficiary. When a beneficiary dies while payments are being made under an Annuity Option, CIBC the present value of any remaining payments will continue be paid in one sum to hold the Fund estate of the beneficiary. The present value will assume the same interest rate that was used when the first payment was made. [Aetna Logo] 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. 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 the sex of the Annuitant(s). Any such payments will be based solely on the age of 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 Fund Options until it receives an instruction from Contract or Certificate for a male, the person or, if there is more than one entitled person, instructions from all persons, entitled to the Fund Proceeds, to dispose larger payment will be made. Endorsed and made a part of the Fund Options; if there is more than one entitled person Contract or Certificate effective August 1, 1983. /s/ Xxxxxxx X. Xxxxxx President Aetna Life Insurance and all such persons cannot agree, within a reasonable time period as CIBC assesses, in its sole discretion as Annuity Company ENDORSEMENT Aetna hereby endorses this Contract to whether Fund Options should be disposed allow the transfer of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose Reserves out of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled)General Account. CIBC Such transfers will only change the name of the Fund into the name of the Successor Annuitant or pay the After Death Payments to the Successor Annuitant or the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order to establish that you did not subsequently revoke or amend the designation of the Successor Annuitant or Beneficiary by Will or otherwise. CIBC may require proof satisfactory to it that the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your death.be:

Death of Annuitant. On Your receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payment Option, LNL will pay to the Beneficiary the value of the Contract as of the day on which written notice of death is received by LNL. Due proof of death shall be either a certified copy of the certificate of death, CIBC will pay a certified copy of the Fund Proceeds or continue statement of death from the Payments attending physician, a certified copy of a decree of a court of competent jurisdiction as to the Successor Annuitantfinding of death, as applicable (the “After Death Payment”) in accordance with the latest dated Instrument it has notice of in its records, upon receiving satisfactory evidence of Your death and or any other documents CIBC may requireproof satisfactory to LNL. CIBC may delay payments for any period it may determine in its absolute discretion if it believes that a delay is required or advisable to determine the proper recipient and distribution On receipt of due proof of death of the After Death Annuitant after Annuity Payments or have begun under any applicable law. CIBC will not be liable for any loss caused by that delay. If CIBC receives more than one Instrument or evidence of it, satisfactory to CIBC in its sole discretion, CIBC will pay in accordance with the Instrument with the most recent execution date. A Successor Annuitant or Beneficiary who disclaims or at law is treated as having disclaimed or is not entitled to the interest in the Fund arising on Your death will be deemed to have predeceased You. Subject to the terms of an InstrumentAnnuity Payment Option, if more than one beneficiary was designated, any Annuity Payments remain under the Fund Proceeds will be divided among those of the designated Beneficiaries who survive You, in the percentage share specified by You (if no percentage was specified, the Fund Proceeds will be divided equally); should any Beneficiary predecease You, the percentage share of the predeceased Beneficiary will be divided equally among Beneficiaries who survive You; if only one of the Beneficiaries survives You, that Beneficiary will receive the entire Fund Proceeds. If no Successor Annuitant or Beneficiary is designated, or if the Successor Annuitant or all Beneficiaries die before You the After Death Payment Option they will be paid to the Your Estate RepresentativeBeneficiary as provided by the Option. Upon notice of Your death, CIBC will continue to hold the Fund Unless otherwise provided in the Fund Options until it receives an instruction from the person orBeneficiary designation, if there is more than no Beneficiary survives the Annuitant, the proceeds will be paid in one entitled person, instructions from all persons, entitled sum to the Fund ProceedsOwner, if living; otherwise, to dispose of the Fund Options; if there Owner's estate. If the Beneficiary designated at the Annuitant's death is more than one entitled person and all such persons cannot agreea surviving spouse, within a reasonable time period as CIBC assesses, the Contract may be continued in its sole discretion as to whether Fund Options should be disposed of and how the Fund Proceeds will be distributed among such persons, CIBC will be entitled to exercise its discretion to dispose of the Fund Options and divide the resultant cash among the entitled persons as it sees fit (provided that the value of the share which is distributed to each person, is on the distribution date in accordance with the percentage share to which each such person is entitled). CIBC will only change the name of the Fund into spouse as the name Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies before Annuity Payments have begun under this Contract, the proceeds must be distributed to the designated Beneficiary within five years of the Successor death of the Annuitant. For a Beneficiary other than a spouse, if the Annuitant dies after Annuity Payments have begun under this Contract the remaining portion of the Annuitant's interest must either be distributed at least as rapidly as under the method of distribution being used as of the date of the Annuitant's death or pay distributed over the After Death Payments to the Successor Annuitant or life of the Beneficiary or Beneficiaries or Your Estate Representative, as applicable, if it receives satisfactory evidence of Your death or any other documents it may require, including letters probate or similar documents, in order to establish that you did a period not subsequently revoke or amend extending beyond the designation life expectancy of the Successor Annuitant or Beneficiary by Will or otherwiseBeneficiary. CIBC may require proof satisfactory to it that The distribution of these amounts must begin not later than one year after the Successor Annuitant was Your Spouse or Common-law Partner at the time of Your Annuitant's death.