Common use of Guaranteed Income Clause in Contracts

Guaranteed Income. 6.2.1 Guaranteed Income is available on the Latest Annuity Date. We will provide written notice to the Certificate Owner(s) on the Annuity Exercise Date. The notice will inform the Certificate Owner(s) that, as of the Latest Annuity Date the Contract Owner will transfer the Account Value to us. We will make Guaranteed Income payments in accordance with the Income Plan shown on the Data Pages. 6.2.2 For each Certificate, the Premium for Guaranteed Income is the Account Value on the Latest Annuity Date. 6.2.3 Guaranteed Income in the first Annuity Year is adjusted for Withdrawals taken since the last Birthday. Guaranteed Income during the first Annuity Year is the greater of zero and (a) minus (b), where: (a) is the Withdrawal Guarantee on the Latest Annuity Date; (b) is any Withdrawal(s) made since the last Birthday. 6.2.4 Guaranteed Income after the first Annuity Year is equal to the Withdrawal Guarantee on the Latest Annuity Date. 6.2.5 Payments will be made annually on the Birthday in accordance with the Income Plan as shown on the Data Pages. Other modes of payment may be made available to the Certificate Owner(s). However, if any payment made more frequently than annually would be less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. 6.2.6 If the Certificate Owner(s) notifies us in writing of their intent to cancel the guarantee within the Notice Period, the Certificate will terminate. If the Contract Owner fails to deliver the Premium, the Guaranteed Income payments may be delayed until Premium is delivered to us. 6.2.7 On the Latest Annuity Date, if the Base Income is greater than the Withdrawal Guarantee, the Guaranteed Income will be increased to equal the Base Income.

Guaranteed Income. 6.2.1 Guaranteed Income is available on the Latest Annuity Date. We will provide written notice to the Certificate Owner(s) on the Annuity Exercise Date. The notice will inform the Certificate Owner(s) that, as of the Latest Annuity Date the Contract Owner will transfer the Account Value to us. We will make Guaranteed Income payments in accordance with the Income Plan shown on the Data Pages. 6.2.2 For each Certificate, the Premium for Guaranteed Income is the Account Value on the Latest Annuity Date. 6.2.3 Guaranteed Income in the first Annuity Year is adjusted for Withdrawals taken since the last Birthday. Guaranteed Income during the first Annuity Year is the greater of zero and and (a) minus (b), where: (a) is the Withdrawal Guarantee on the Latest Annuity Date; (b) is any Withdrawal(s) made since the last Birthday. 6.2.4 Guaranteed Income after the first Annuity Year is equal to the Withdrawal Guarantee on the Latest Annuity Date. 6.2.5 Payments will be made annually on the Birthday in accordance with the Income Plan as shown on the Data Pages. Other modes of payment may be made available to the Certificate Owner(s). However, if any payment made more frequently than annually would be less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. 6.2.6 If the Certificate Owner(s) notifies us in writing of their intent to cancel the guarantee within the Notice Period, the Certificate will terminate. If the Contract Owner fails to deliver the Premium, the Guaranteed Income payments may be delayed until Premium is delivered to us. 6.2.7 On the Latest Annuity Date, if the Base Income is greater than the Withdrawal Guarantee, the Guaranteed Income will be increased to equal the Base Income.

Guaranteed Income. 6.2.1 Guaranteed Income is available on the Latest Annuity Date. We will provide written notice to the Certificate Owner(s) you on the Annuity Exercise Date. The notice will inform the Certificate Owner(s) you that, as of the Latest Annuity Date Date, if you elect Guaranteed Income, you will authorize the Contract Owner will to transfer the Account Value to us. We will make Guaranteed Income payments in accordance with the Income Plan shown on the Data Pages. 6.2.2 For each Certificate, the The Premium for Guaranteed Income is the Account Value on the Latest Annuity Date. 6.2.3 Guaranteed Income in the first Annuity Year is adjusted for Withdrawals taken since the last Birthday. Guaranteed Income during the first Annuity Year is the greater of zero and (a) minus (b), where: (a) is the Withdrawal Guarantee on the Latest Annuity Date; (b) is any Withdrawal(s) made since the last Birthday. 6.2.4 The Guaranteed Income after the first Annuity Year is equal to the Withdrawal Guarantee on the Latest Annuity Date. 6.2.5 Payments will be made annually on the Birthday in accordance with according to the Income Plan as shown on the Data Pages. Other modes of payment may be made available to the Certificate Owner(s)available. However, if any payment made more frequently than annually would be less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. 6.2.6 If the Certificate Owner(s) notifies you notify us in writing of their your intent to cancel the guarantee within the Notice Period, the Period this Certificate will terminate. If the Contract Owner fails to deliver the Premium, the Guaranteed Income payments may be delayed until Premium is delivered to us. 6.2.7 On the Latest Annuity Date, if the Base Income is greater than the Withdrawal Guarantee, the Guaranteed Income will be increased to equal the Base Income.

Guaranteed Income. 6.2.1 Guaranteed Income is available on the Latest Annuity Date. We will provide written notice to the Certificate Owner(s) on the Annuity Exercise Date. The notice will inform the Certificate Owner(s) that, as of the Latest Annuity Date the Contract Owner will transfer the Account Value to us. We will make Guaranteed Income payments in accordance with the Income Plan shown on the Data Pages. 6.2.2 For each Certificate, the Premium for Guaranteed Income is the Account Value on the Latest Annuity Date. 6.2.3 Guaranteed Income in the first Annuity Year is adjusted for Withdrawals taken since the last Birthday. Guaranteed Income during the first Annuity Year is the greater of zero and (a) minus (b), where: (a) is the Withdrawal Guarantee on the Latest Annuity Date; (b) is any Withdrawal(s) made since the last Birthday. 6.2.4 Guaranteed Income after the first Annuity Year is equal to the Withdrawal Guarantee on the Latest Annuity Date. 6.2.5 Payments will be made annually on the Birthday in accordance with the Income Plan as shown on the Data Pages. Other modes of payment may be made available to the Certificate Owner(s). However, if any payment made more frequently than annually would be less than $100, we reserve the right to reduce the frequency of payments to an interval that would result in each payment being at least $100. 6.2.6 If the Certificate Owner(s) notifies us in writing of their intent to cancel the guarantee within the Notice Period, the Certificate will terminate. If the Contract Owner fails to deliver the Premium, the Guaranteed Income payments may be delayed until Premium is delivered to us. 6.2.7 On the Latest Annuity Date, if the Base Income is greater than the Withdrawal Guarantee, the Guaranteed Income will be increased to equal the Base Income.