Common use of Death of Annuitant Clause in Contracts

Death of Annuitant. On receipt of due proof of the death of the Annuitant before Annuity Payments have begun, the Company will pay the Death Benefit to the Beneficiary as of the day on which such due proof is received by the Company. The Death Benefit will be the greatest of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time of the Annuitant's death and the proceeds are payable to (or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right to become the Annuitant under the contract. If the Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this section. On receipt of due proof of death of the Annuitant after Annuity Payments have begun under an Annuity Option, if any payments remain under the Option they will be paid to the Beneficiary as provided by the Option. Unless otherwise provided in the Beneficiary designation, if no Beneficiary survives the Annuitant, the proceeds will be paid in one sum to the Owner, if living; otherwise, to the Owner's estate.

Death of Annuitant. On receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payments have begunPayment Option, the Company LNL will pay the Death Benefit to the Beneficiary the value of the Contract as of the day on which such due proof written notice of death is received by the CompanyLNL. The Death Benefit will Due proof of death shall be the greatest either a certified copy of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date certificate of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time a certified copy of the Annuitant's statement of death and from the proceeds are payable attending physician, a certified copy of a decree of a court of competent jurisdiction as to (the finding of death, or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right any other proof satisfactory to become the Annuitant under the contract. If the Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this sectionLNL. On receipt of due proof of death of the Annuitant after Annuity Payments have begun under an Annuity Payment Option, if any payments Annuity Payments remain under the Option they will be paid to the Beneficiary as provided by the Option. Unless otherwise provided in the Beneficiary designation, if no Beneficiary survives the Annuitant, the proceeds will be paid in one sum to the Owner, if living; otherwise, to the Owner's estate. If the Beneficiary designated at the Annuitant's death is a surviving spouse, the Contract may be continued in the name of the spouse as the 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 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 distributed over the life of the Beneficiary or a 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.

Death of Annuitant. On receipt of due proof of the death of the Annuitant before Annuity Payments have begun, the Company will pay the Death Benefit to the Beneficiary as of the day on which such due proof is received by the Company. The Death Benefit will be the greatest of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time of the Annuitant's death and the proceeds are payable to (or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right to become the Annuitant under the contract. If the When an Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this section. On receipt of due proof of death of the Annuitant after Annuity Payments have begun while payments are being made under an Annuity Option, if any payments remain under the Option they will be paid continued to the Beneficiary beneficiary as provided by the Optionoption. Unless otherwise provided in the Beneficiary designation, if If no Beneficiary survives the Annuitantbeneficiary is living, the proceeds 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, if living; otherwise, the amount held will be paid in one sum to the Ownerestate 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. [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 Contract or Certificate for a male, the larger payment will be made. Endorsed and made a part of the Contract or Certificate effective August 1, 1983. /s/ Xxxxxxx X. Xxxxxx President Aetna Life Insurance and Annuity Company ENDORSEMENT Aetna hereby endorses this Contract to allow the transfer of Reserves out of the General Account. Such transfers will be: (1) a minimum of 10% of the General Account funds held in the Participant's estateIndividual Account; (2) without deduction of any charge; and (3) to any of the Fund(s) or the Guaranteed Accumulation Account; (4) allowed once during each calendar year; (5) prior to the election of an Annuity Option; (6) without affecting the rights of transfer now in the contract. Aetna may, for temporary periods of time, allow any larger percentage to be transferred. The value of the Reserves held in the General Account, as used above, is the value when the request is received at the Home Office of Aetna. References to the General Account above shall not apply to the Guaranteed Accumulation Account. Endorsed and made a part of this Contract on the later of September 1, 1983 or the Effective Date of this Contract. /s/ Xxx Xxxxxxx President Aetna Life Insurance and Annuity Company Aetna Life Insurance and Annuity Company ENDORSEMENT This Contract is hereby endorsed as follows: 1. The following sections a) and b) will apply to all Participants under this Contract. a) Add to the Deposit, Reserve, and Surrender Provisions the following;

Death of Annuitant. On receipt of due proof of the death of the Annuitant before Annuity Payments have begun, the Company will pay the Death Benefit to the Beneficiary as of the day on which such due proof is received by the Company. The Death Benefit will be the greatest of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time of the Annuitant's death and the proceeds are payable to (or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right to become the Annuitant under the contract. If the Beneficiaryy When an Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this section. On receipt of due proof of death of the Annuitant after Annuity Payments have begun while payments are being made under an Annuity Option, if any payments remain under the Option they will be paid continued to the Beneficiary beneficiary as provided by the Optionoption. Unless otherwise provided in the Beneficiary designation, if If no Beneficiary survives the Annuitantbeneficiary is living, the proceeds 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, if living; otherwise, the amount held will be paid in one sum to the Ownerestate 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. GID-CDA-HO 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. 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 estateIndividual Account, when: (a) no less than 9 deposit cycles have been completed for the Annuitant, or the said Participant; and (b) the Annuitant or the said Participant is no less than age 59 1/2. Endorsed and made a part of this Contract or Certificate on: (a) the Date of Issue (Effective Date) of the Contract; or (b) the effective date of coverage under the Group Contract of the Participant named in the Certificate. /s/ Xxxxxxx X. Xxxxxx President ESVB-HB 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 Contract or Certificate for a male, the larger payment will be made. Endorsed and made a part of the Contract or Certificate effective August 1, 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. Such transfers will be: (1) a minimum of 10% of the General Account funds held in the Participant's Individual Account; (2) without deduction of any charge; and (3) to any of the Fund(s) or the Guaranteed Accumulation Account; (4) allowed once during each calendar year; (5) prior to the election of an Annuity Option; (6) without affecting the rights of transfer now in the contract. Aetna may, for temporary periods of time, allow any larger percentage to be transferred. The value of the Reserves held in the General Account, as used above, is the value when the request is received at the Home Office of Aetna. References to the General Account above shall not apply to the Guaranteed Accumulation Account. Endorsed and made a part of this Contract on the later of September 1, 1983 or the Effective Date of this Contract. /s/ Xxx Xxxxxxx President Aetna Life Insurance and Annuity Company EGAWGA-HC Aetna Life Insurance and Annuity Company ENDORSEMENT This Contract is hereby endorsed as follows: 1. The following sections a), b), and c) will apply to all Participants under this Contract. a) Add to the Deposit, Reserve, and Surrender Provisions the following:

Death of Annuitant. On receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payments have begunPayment Option, the Company LNL will pay the Death Benefit to the Beneficiary a Death Benefit equal to the greater of (a) the sum of all Purchase Payments minus any withdrawals, partial surrenders; or (b) the current value of the Contract as of the day on which such due proof written notice of death is received by LNL. Due proof of death shall be either the Company. The Death Benefit will be the greatest of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date certificate of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time a certified copy of the Annuitant's statement of death and from the proceeds are payable attending physician, a certified copy of a decree of a court of competent jurisdiction as to (the finding of death, or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right any other proof satisfactory to become the Annuitant under the contract. If the Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this sectionLNL. On receipt of due proof of death of the Annuitant after Annuity Payments have begun under an Annuity Payment Option, if any payments Annuity Payments remain under the Option they will be paid to the Beneficiary as provided by the Option. If the Beneficiary designated at the time of the Annuitant's death is a surviving spouse, the Contract may be continued in the name of the spouse as the 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 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 distributed over the life of the Beneficiary or a 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 no Beneficiary survives the Annuitant, the proceeds will be paid in one sum to the Owner, if living; otherwise, to the Owner's estate.

Death of Annuitant. On receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payments have begunPayment Option, the Company LNL will pay the Death Benefit 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 such due proof written notice of death is received by LNL. Due proof of death shall be either the Company. The Death Benefit will be the greatest of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date certificate of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time a certified copy of the Annuitant's statement of death and from the proceeds are payable attending physician, a certified copy of a decree of a court of competent jurisdiction as to (the finding of death, or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right any other proof satisfactory to become the Annuitant under the contract. If the Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this sectionLNL. On receipt of due proof of death of the Annuitant after Annuity Payments have begun under an Annuity Payment Option, if any payments Annuity Payments remain under the Option they will be paid to the Beneficiary as provided by the Option. If the Beneficiary designated at the time of the Annuitant's death is a surviving spouse, the Contract may be continued in the name of the spouse as the 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 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 distributed over the life of the Beneficiary or a 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 no Beneficiary survives the Annuitant, the proceeds will be paid in one sum to the Owner, if living; otherwise, to the Owner's estate.

Death of Annuitant. On receipt of due proof of the death of the Annuitant before a choice is made to receive proceeds under an Annuity Payments have begunPayment Option, the Company LNL will pay the Death Benefit to the Beneficiary the value of the Contract as of the day on which such due proof written notice of death is received by the CompanyLNL. The Death Benefit will Due proof of death shall be the greatest either a certified copy of the following amounts: (a) The Accumulated Value on the date of receipt of Due Proof of Death at the Home Office of the Company; (b) The Accumulated Value on the Specified Contract Anniversary immediately preceding the date certificate of death, increased by the dollar amount of any purchase payments made and reduced by the dollar amount of any partial withdrawals since the immediately preceding Specified Contract Anniversary; or (c) 100% of all purchase payments made under the Contract, reduced by the dollar amount of any partial withdrawals since the Date of Issue. The Specified Contract Anniversary is every seventh contract anniversary (i.e. 7th, 14th, 21st, etc.) If the Annuitant and the Owner are one in the same at the time a certified copy of the Annuitant's statement of death and from the proceeds are payable attending physician, a certified copy of a decree of a court of competent jurisdiction as to (the finding of death, or for the benefit of) the Annuitant's surviving spouse, such spouse shall have the right any other proof satisfactory to become the Annuitant under the contract. If the Annuitant dies at a time when the Owner of the contract is not an individual, the Annuitant will be considered to be the Owner for the purpose of this sectionLNL. On receipt of due proof of death of the Annuitant after Annuity Payments have begun under an Annuity Payment Option, if any payments Annuity Payments remain under the Option they will be paid to the Beneficiary as provided by the Option. Unless otherwise provided in the Beneficiary designation, if no Beneficiary survives the Annuitant, the proceeds will be paid in one sum to the Owner, if living; otherwise, to to the Owner's estate. If the Beneficiary designated at the Annuitant's death is a surviving spouse, the Contract may be continued in the name of the spouse as the 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 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 distributed over the life of the Beneficiary or a 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.