Common use of Death of the Annuitant Clause in Contracts

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account bears to the total Contract Value. You must specify by Written Request, in advance, which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, as of the date of Our receipt of Your Written Request for surrender, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individualOwner, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Requestwritten request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described mentioned method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request in a form acceptable to us unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, Value as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individualOwner, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ -------------------------------------------------------------------------------- SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Requestwritten request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described mentioned method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, subject to any Market Value Adjustment, as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request in a form acceptable to us unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, Value as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request in a form acceptable to us unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, Value as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:: any applicable premium taxes not previously deducted; plus any applicable Contract Maintenance Charge; plus any applicable Surrender Charge.

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account bears to the total Contract Value. You must specify by Written Request, in advance, which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, as of the date of Our receipt of Your Written Request for surrender, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. See EFFECT OF A SURRENDER OR DEATH OF THE OWNER UNDER THE PREMIUM ENHANCEMENT SECTION. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account Subaccount bears to the total Contract Value. You must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request in a form acceptable to us unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, Value as of the date of Our receipt of Your Written Request for surrenderwritten surrender request, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individual, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the Owner. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ================================================================================ SURRENDER PROVISIONS SURRENDER - While this certificate contract is in force and before the Annuity Date, We will, upon Written Request, allow the surrender of all or a portion of this certificate contract for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the Guaranteed Account in the ratio that the value of each account bears to the total Contract Value. You must specify by Written Request, in advance, which units are to be canceled if other than the above described mentioned method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, as of the date of Our receipt of Your Written Request for surrender, reduced by the sum of:

Death of the Annuitant. If the Annuitant is a person other than the Owner and the Owner is an individualCertificateholder, and if the Annuitant dies before the Annuity Date, a new Annuitant may be named by the OwnerCertificateholder. If no new Annuitant is named within sixty (60) days of Our receipt of proof of death, the Owner Certificateholder will be the new Annuitant. If the Annuitant dies after the Annuity Date, the remaining payments, if any, will be as specified in the Annuity Option elected. We will require proof of the Annuitant's death. Death benefits, if any, will be paid to the designated Beneficiary at least as rapidly as under the method of distribution in effect at the Annuitant's death. ===============================================================================The new death benefit would be: $50,000 - $12,500 = $37,500 SURRENDER PROVISIONS SURRENDER - While this certificate is in force and before the Annuity Date, We will, upon Written Requestwritten request, allow the surrender of all or a portion of this certificate for its Surrender Value. Surrenders will result in the cancellation of Accumulation Units from each applicable Subaccount and the reduction in the Guaranteed Account in the ratio that the value of each account bears to the total Contract Certificate Value. You The Certificateholder must specify by Written Request, in advance, writing in advance which units are to be canceled if other than the above described mentioned method of cancellation is desired. We will pay the amount of any surrender within seven (7) days of receipt of a request unless the "Delay of Payments" provision is in effect. The Surrender Value will be the Contract Value, Certificate Value as of the date of Our receipt of Your Written Request for surrenderthe Certificateholder's written surrender request, reduced by the sum of: