Common use of DETERMINATION OF THE AMOUNT OF VARIABLE ANNUITY PAYMENTS AFTER THE FIRST PAYMENT Clause in Contracts

DETERMINATION OF THE AMOUNT OF VARIABLE ANNUITY PAYMENTS AFTER THE FIRST PAYMENT. The first Variable Annuity Payment is sub-divided into components, each of which represents the product of A and B, where: A is the percentage chosen by the Owner of a specific Variable Subaccount, the performance of which will determine future Variable Annuity Payments; and B is the entire first Variable Annuity Payment. Each Variable Annuity Payment after the first payment attributable to a specific Variable Subaccount will be determined by multiplying the Annuity Unit value for the Variable Subaccount for the Valuation Date no more than 14 days before each payment is due by a constant number of Annuity Units. This constant number of each specific Variable Subaccount is determined by dividing the component of the first payment attributable to such Variable Subaccount as described above by the Annuity Unit value for that Variable Subaccount on the Annuity Commencement Date. The total Variable Annuity Payment will be the sum of the payments attributable to each Variable Subaccount. In the absence of transfers between Variable Subaccounts, the number of Annuity Units attributable to each Variable Subaccount remains constant, although the Annuity Unit values will vary with the investment performance of the Funds. The Annuity Unit value may increase or decrease the dollar value of benefits under this Contract. The Annuity Unit value for any Valuation Period for any Variable Subaccount is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of A and B, where: A is the daily factor raised to a power equal to the number of days in the current Valuation Period; and B is the Accumulation Unit value of the same Variable Subaccount for this Valuation Period divided by the Accumulation Unit value of the same Variable Subaccount for the immediately preceding Valuation Period. The valuation of all assets in the Variable Subaccount will be determined in accordance with the provisions of applicable laws, rules, and regulations. We guarantee that the dollar amount of each payment after the first will not be affected by variations in mortality experience from mortality assumptions on which the first payment is based nor expenses actually incurred, other than Taxes on the investment return. MINIMUM ANNUITY PAYMENT REQUIREMENTS. We reserve the right to reduce the frequency of payments to an interval which will result in each payment exceeding the Minimum Annuity Payment Amount shown on the Contract Specifications. We will pay the Contract Value in a lump sum if the frequency interval is annual and the resulting annuity payment is less than the Minimum Annuity Payment amount shown on the Contract Specifications or the Contract Value is less than the Minimum Contract Value shown on the Contract Specifications.

DETERMINATION OF THE AMOUNT OF VARIABLE ANNUITY PAYMENTS AFTER THE FIRST PAYMENT. The first Variable Annuity Payment variable annuity payment is sub-divided into components, components each of which represents the product of A and B, whereof: A is (a) the percentage chosen elected by the Contract Owner of a specific Variable Subaccount, Sub-account the performance of which will determine future Variable Annuity Payments; variable annuity payments, and B is (b) the entire first Variable Annuity Paymentvariable annuity payment. Each Variable Annuity Payment variable annuity payment after the first payment attributable to a specific Variable Subaccount Sub- account will be determined by multiplying the Annuity Unit value for the Variable Subaccount that Sub- account for the Valuation Date no more than 14 days before date each payment is due by a constant number of Annuity Units. This constant number of for each specific Variable Subaccount Sub-account is determined by dividing the component of the first payment attributable to such Variable Subaccount Sub-account as described above by the Annuity Unit value for that Variable Subaccount Sub-account on the Annuity Commencement Date. The total Variable Annuity Payment variable annuity payment will be the sum of the payments attributable to each Variable Subaccount. In the absence of transfers between Variable Subaccounts, the number of Annuity Units attributable to each Variable Subaccount remains constant, although the Annuity Unit values will vary with the investment performance of the Funds. The Annuity Unit value may increase or decrease the dollar value of benefits under this ContractSub-account. The Annuity Unit value for any Valuation Period for any Variable Subaccount Sub-account is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of A and B, where: A is the daily factor (a) 0.9998926 raised to a power equal to the number of days in the current Valuation Period; Period and B is (b) the Accumulation Unit value Net Investment Factor of the same Variable Subaccount for this Valuation Period divided by the Accumulation Unit value of the same Variable Subaccount for the immediately preceding Valuation PeriodPeriod for which the Annuity Unit value is being determined. The valuation of all assets in the Variable Subaccount will Sub-account shall be determined in accordance with the provisions of applicable laws, rules, and regulations. We guarantee The method of determination by LL&A of the value of an Accumulation Unit and of an Annuity Unit will be conclusive upon the Owner and any Beneficiary. LL&A guarantees that the dollar amount of each payment installment after the first will shall not be affected by variations in mortality experience from mortality assumptions on which the first payment installment is based nor by expenses actually incurred, other than Taxes taxes on investment income. After the investment returnAnnuity Commencement Date, if any portion of the annuity payment is a variable annuity payment, the Owner may direct a transfer of assets from one Sub-account to another Sub-account or to a fixed annuity payment. MINIMUM ANNUITY PAYMENT REQUIREMENTSSuch transfers will be limited to three (3) times per Contract Year. We reserve the right Assets may not be transferred from a fixed annuity payment to reduce the frequency of payments a variable annuity payment. A transfer from one Sub-account to an interval which another Sub-account will result in each the purchase of Annuity Units in one Sub-account and the redemption of Annuity Units in the other Sub-account. Such a transfer will be accomplished at relative Annuity Unit values as of the Valuation Date the transfer request is received. The valuation of Annuity Units is described above. A transfer from one Sub- account to a fixed annuity payment exceeding will result in the Minimum redemption of Annuity Payment Amount shown Units in one Sub-account and the purchase of a minimum fixed annuity payment based on the Contract Specifications. We will pay the Contract Value tables in a lump sum if the frequency interval is annual and the resulting annuity payment is less than the Minimum Annuity Payment amount shown on the Contract Specifications or the Contract Value is less than the Minimum Contract Value shown on the Contract SpecificationsArticle 7.

DETERMINATION OF THE AMOUNT OF VARIABLE ANNUITY PAYMENTS AFTER THE FIRST PAYMENT. The first Variable Annuity Payment is sub-divided into components, each of which represents the product of A and B, where: A is the percentage chosen by the Owner of a specific Variable Subaccount, the performance of which will determine future Variable Annuity Payments; and B is the entire first Variable Annuity Payment. Each Variable Annuity Payment after the first payment attributable to a specific Variable Subaccount will be determined by multiplying the Annuity Unit value for the Variable Subaccount for the Valuation Date no more than 14 days before each payment is due by a constant number of Annuity Units. This constant number of each specific Variable Subaccount is determined by dividing the component of the first payment attributable to such Variable Subaccount as described above by the Annuity Unit value for that Variable Subaccount on the Annuity Commencement Date. The total Variable Annuity Payment will be the sum of the payments attributable to each Variable Subaccount. In the absence of transfers Transfers between Variable Subaccounts, the number of Annuity Units attributable to each Variable Subaccount remains constant, although the Annuity Unit values will vary with the investment performance of the Funds. The Annuity Unit value may increase or decrease the dollar value of benefits under this Contract. The Annuity Unit value for any Valuation Period for any Variable Subaccount is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of A and B, where: A is the daily factor raised to a power equal to the number of days in the current Valuation Period; and B is the Accumulation Unit value of the same Variable Subaccount for this Valuation Period divided by the Accumulation Unit value of the same Variable Subaccount for the immediately preceding Valuation Period. The valuation of all assets in the Variable Subaccount will be determined in accordance with the provisions of applicable laws, rules, and regulations. The method of Our determination of the value of an Accumulation Unit and of any Annuity Unit will be conclusive upon the Owner, Annuitant and any Beneficiary. We guarantee that the dollar amount of each payment after the first will not be affected by variations decrease if the net annual investment return from the Variable Account, after all fees and charges have been paid, is greater than or equal to the Assumed Investment Return used in mortality experience from mortality assumptions on which the first payment is based nor expenses actually incurred, other than Taxes on the investment return. MINIMUM ANNUITY PAYMENT REQUIREMENTS. We reserve the right to reduce the frequency of payments to an interval which will result in each payment exceeding the Minimum Variable Annuity Payment Amount shown on calculation The Assumed Investment Return is selected by the Contract Specifications. We will pay the Contract Value in a lump sum if the frequency interval Owner and is annual and the resulting annuity payment is less than the Minimum Annuity Payment amount shown on the Contract Specifications or the Contract Value is less than the Minimum Contract Value shown on the Contract Specifications.

DETERMINATION OF THE AMOUNT OF VARIABLE ANNUITY PAYMENTS AFTER THE FIRST PAYMENT. The first Variable Annuity Payment is sub-divided into components, each of which represents the product of A and B, where: A is the percentage chosen by the Owner of a specific Variable Subaccount, the performance of which will determine future Variable Annuity Payments; and B is the entire first Variable Annuity Payment. Each Variable Annuity Payment after the first payment attributable to a specific Variable Subaccount will be determined by multiplying the Annuity Unit value for the Variable Subaccount for the Valuation Date no more than 14 days before each payment is due by a constant number of Annuity Units. This constant number of each specific Variable Subaccount is determined by dividing the component of the first payment attributable to such Variable Subaccount as described above by the Annuity Unit value for that Variable Subaccount on the Annuity Commencement Date. The total Variable Annuity Payment will be the sum of the payments attributable to each Variable Subaccount. In the absence of transfers Transfers between Variable Subaccounts, the number of Annuity Units attributable to each Variable Subaccount remains constant, although the Annuity Unit values will vary with the investment performance of the Funds. The Annuity Unit value may increase or decrease the dollar value of benefits under this Contract. The Annuity Unit value for any Valuation Period for any Variable Subaccount is determined by multiplying the Annuity Unit value for the immediately preceding Valuation Period by the product of A and B, where: A is the daily factor raised to a power equal to the number of days in the current Valuation Period; and B is the Accumulation Unit value of the same Variable Subaccount for this Valuation Period divided by the Accumulation Unit value of the same Variable Subaccount for the immediately preceding Valuation Period. The valuation of all assets in the Variable Subaccount will be determined in accordance with the provisions of applicable laws, rules, and regulations. The method of Our determination of the value of an Accumulation Unit and of any Annuity Unit will be conclusive upon the Owner, Annuitant and any Beneficiary. We guarantee that the dollar amount of each payment after the first will not be affected by variations decrease if the net annual investment return from the Variable Account, after all fees and charges have been paid, is greater than or equal to the Assumed Investment Return used in mortality experience from mortality assumptions on which the first payment is based nor expenses actually incurred, other than Taxes on the investment return. MINIMUM ANNUITY PAYMENT REQUIREMENTS. We reserve the right to reduce the frequency of payments to an interval which will result in each payment exceeding the Minimum Variable Annuity Payment Amount shown on calculation. The Assumed Investment Return is selected by the Contract Specifications. We will pay the Contract Value in a lump sum if the frequency interval Owner and is annual and the resulting annuity payment is less than the Minimum Annuity Payment amount shown on the Contract Specifications or the Contract Value is less than the Minimum Contract Value shown on the Contract Specifications.