Common use of Death of the Annuitant Clause in Contracts

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted for Purchase Payment(s) made, and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. The Roll-up Value may not exceed 200% of the Account Value on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn or applied to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section III - Death Benefit Options Available to the Beneficiary.

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The "Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted for Purchase Payment(s) made, and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. The Roll-up Value may not exceed 200% of the Account Value on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn or applied to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section III - Death Benefit Options Available to the Beneficiary.

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. xxxxx://xxx.xxx.xxx/Archives/xxxxx/data/836687/000091205701522500/a2051672zex-99... 11/06/2017 Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted for Purchase Payment(s) made, and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. The Roll-up Value may not exceed 200% of the Account Value on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn or applied to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section SECTION III - Death Benefit Options Available to the Beneficiary.DEATH BENEFIT OPTIONS AVAILABLE TO THE BENEFICIARY. GA-MA-1080 Page 24 <PAGE>

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The "Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted The adjustment for Purchase Payment(s) made, and amount(s) Payments made will be dollar for dollar. The adjustment for amounts withdrawn or applied to an Annuity Payout Option during will be proportionate, reducing the prior sum of all Purchase Payments made and the highest Account Year. The Roll-up Value may not exceed 200% of in the same proportion that the Account Value was reduced on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn date of the withdrawal or applied application to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section III - Death Benefit Options Available to the Beneficiary.

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The "Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted The adjustment for Purchase Payment(s) made, and amount(s) payments made will be dollar for dollar. The adjustment for amounts withdrawn or applied to an Annuity Payout Option during will be proportionate, reducing the prior sum of all Purchase Payments made and the highest Account Year. The Roll-up Value may not exceed 200% of in the same proportion that the Account Value was reduced on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn date of the withdrawal or applied application to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section III - Death Benefit Options Available to the Beneficiary.

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted for Purchase Payment(s) made, and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. The Roll-up Value may not exceed 200% of the Account Value on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn or applied to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section SECTION III - Death Benefit Options Available to the BeneficiaryDEATH BENEFIT OPTIONS AVAILABLE TO THE BENEFICIARY.

Death of the Annuitant. The death benefit is the greatest of: (1) The sum of all Purchase Payment(s) made, adjusted for amount(s) withdrawn or applied to an Annuity Payout Option as of the Claim Date; or (2) The Account Value on the Claim Date; or (3) The "Step-up Value on the Claim Date; or (4) The "Roll-up Value" on the Claim Date. On the Schedule Effective Date, the Step-up Value is the greater of: (1) The Account Value; or (2) The Step-up Value, if any, calculated on the anniversary prior to the Schedule Effective Date, adjusted for Purchase Payments(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 85th birthday or death, whichever is earlier, the Step-up Value is equal to the greater of: (a) The Step-up Value most recently calculated, adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year; or (b) The Account Value on that anniversary of the Schedule Effective Date. On the Claim Date, the Step-up Value shall equal the Step-up Value calculated prior to death. It is adjusted for Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Step-up Value was calculated. On the Schedule Effective Date, the Roll-up Value is equal to the Account Value. Thereafter, on each anniversary of the Schedule Effective Date until the anniversary immediately preceding the Annuitant's 76th birthday or death, whichever is earlier, the Roll-up Value is equal to the Roll-up Value most recently calculated, multiplied by a factor of 1.05, adjusted for Purchase Payment(s) made, and amount(s) withdrawn or applied to an Annuity Payout Option during the prior Account Year. The Roll-up Value may not exceed 200% of the Account Value on the Schedule Effective Date, adjusted for additional Purchase Payments made, and amount(s) withdrawn or applied to an Annuity Payout Option. On the Claim Date, the Roll-up Value shall equal the Roll-up Value calculated prior to death. It is adjusted for additional Purchase Payment(s) made and amount(s) withdrawn or applied to an Annuity Payout Option since the anniversary on which the Roll-up Value was calculated. On the Claim Date, if the amount of the death benefit is greater than the Account Value, the amount by which the death benefit exceeds the Account Value will be deposited and allocated to the money market fund available through the Separate Account. The amount paid to the Beneficiary will equal the Adjusted Account Value on the date the payment request is processed. This amount may be greater or less than the amount of the death benefit on the Claim Date. The Beneficiary may elect a death benefit payment option as permitted in Section SECTION III - Death Benefit Options Available to the BeneficiaryDEATH BENEFIT OPTIONS AVAILABLE TO THE BENEFICIARY.