Common use of DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE Clause in Contracts

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options option listed in Section 6.01 are is no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, ; otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, ; otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, ; otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's Owners estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, ; otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's Owners or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.. Form 30296-NY 15

DEATH ON OR AFTER THE ANNUITY COMMENCEMENT DATE. The Death Benefit options listed in Section 6.01 are no longer applicable and the Death Benefit option in effect will terminate. If the Owner or a Joint Owner dies on or after the Annuity Commencement Date, any remaining benefits payable will continue to be distributed under the Annuity Payment Option then in effect. The rights of ownership granted by the Contract will pass to the Joint Owner, if any, otherwise to the Beneficiary. If there is no named Beneficiary at the time of the Owner's or last surviving Joint Owner's death, then the rights of ownership will pass to the Annuitant, if still living; otherwise to the Joint Annuitant, if applicable. If no named Joint Owner, Beneficiary, Annuitant, or Joint Annuitant survives the Owner, any remaining benefits payable will continue to the Owner's estate. On receipt of due proof of death, as described in Section 6.01, of the Annuitant or both Joint Annuitants, any remaining benefits payable under the Annuity Payment Option will be paid to the Owner or Joint Owner, if living; otherwise, to the Beneficiary. If there is no Beneficiary, any remaining benefits payable will continue to the Annuitant's estate.