Common use of INCOME BENEFITS Clause in Contracts

INCOME BENEFITS. Income Benefits - Surrender or withdrawal benefits may be used to buy a lifetime monthly income for either Insured as long as the monthly income is at least $100. Death benefits may be used to buy a monthly income for the lifetime of the beneficiary. The monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under the automatic form of payment, if the income recipient dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated by the income recipient in writing. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic income benefit, the monthly income bought by each $1,000 of benefit will never be less than that shown below. Monthly Income Monthly Income Monthly Income Age Male Female Age Male Female Age Male Female 0-30 $3.20 $3.09 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 75+ 7.08 6.67 Monthly income amount for Ages not shown are halfway between the two amounts for the nearest two Ages that are shown. Amounts shown are based on the Annuity 2000 table with interest at 3.00%. This benefit is not available if the income would be less than $100 a month. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income — Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income — Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. P09MVP Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income — Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income — Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. P11MVP Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any Policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the single premium immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income – Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income – Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. Monthly Income Monthly Income Age Monthly Income Age Male Female Monthly Income Age Male Female Monthly Income Age Male Female 0-30 $Monthly Income Age Monthly Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages not shown are halfway between the two amounts for the nearest two Ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.STANDARD POLICY LOANS

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income – Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income – Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. P09SE5 Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.POLICY LOANS

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income – Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income – Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.POLICY LOANS

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly Fixed Income — Equal payments of the amount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. Life Income, with Ten Years Certain — Monthly income will continue for the lifetime life of the beneficiary. The monthly income will automatically payee and be guaranteed to continue for at least ten years, unless another form of payment is requested. Under the automatic form of payment; that is, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 1000 of benefit will never be less than that benefits are shown below. Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - Surrender — All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income — Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income — Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. Monthly Income Monthly Income Age Monthly Income Age Male Female Monthly Income Age Male Female Monthly Income Age Male Female 0-30 $Monthly Income Age Monthly Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - Surrender All or withdrawal benefits may part of any policy proceeds may, instead of being paid in a lump sum, be used left with us under any one, or a combination of the income benefit plans available, subject to buy our minimum amount requirements on the date of election. If the payee is not a lifetime monthly natural person, the choice of a payment option will be subject to our approval. We guarantee that the income for either Insured as long as benefit will not be less than the monthly income is that would be provided by the single premium immediate annuity purchase rates we offer at the time. We guarantee that we will have at least $100the following income benefit plans available. Death benefits may be used to buy a monthly income for the lifetime Fixed Income – Equal payments of the beneficiaryamount chosen with interest of not less than 2% per year until the funds left on deposit are exhausted. The monthly Life Income – Monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under If the automatic form of payment, if the income recipient payee dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated in writing by the income recipient in writingthat payee. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic for a male or female income benefit, the monthly income recipient bought by each $1,000 of benefit will never be less than that benefits are shown below. Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female 0-30 $Income Age Income 32 2.42 42 2.69 52 3.10 62 3.76 72 4.92 34 2.47 44 2.76 54 3.20 $3.09 64 3.94 74 5.26 36 2.52 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 2.83 56 3.32 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.14 75+ 7.08 6.67 5.45 38 2.57 48 2.91 58 3.45 68 4.37 Monthly income amount amounts for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on an annual interest rate of 2% and the Annuity 2000 female mortality table with interest at 3.00%. This benefit is not available if the income would be less than $100 a monthfive-year age setback. We may require evidence of survival for incomes that last more than ten years. Other Income Options - Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.STANDARD POLICY LOANS

INCOME BENEFITS. Income Benefits - – Surrender or withdrawal benefits may be used to buy a lifetime monthly income for either the Insured as long as the monthly income is at least $100. Death benefits may be used to buy a monthly income for the lifetime of the beneficiary. The monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under the automatic form of payment, if the income recipient dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated by the income recipient in writing. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic income benefit, the monthly income bought by each $1,000 of benefit will never be less than that shown below. Monthly Income Monthly Income Monthly Monthly Monthly Age Income Age Male Female Income Age Male Female Income Age Male Female Income Age Income 0-30 $3.20 $3.09 2.79 40 3.08 50 3.53 60 4.26 70 5.51 32 2.84 42 3.15 52 3.65 62 4.46 72 5.85 34 2.89 44 3.23 54 3.78 64 4.68 74 6.22 36 2.95 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 3.32 56 3.92 66 4.93 75 + 6.41 38 3.01 48 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 3.42 58 4.08 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 75+ 7.08 6.67 5.21 Monthly income amount for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on the Annuity 2000 table with interest at 3.002.50%. This benefit is not available if the income would be less than $100 a month. We may require evidence of survival for incomes that last more than ten years. Other Income Options - – Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts Axxxxxx left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - – Surrender or withdrawal benefits may be used to buy a lifetime monthly income for either the Insured as long as the monthly income is at least $100. Death benefits may be used to buy a monthly income for the lifetime of the beneficiary. The monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under the automatic form of payment, if the income recipient dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated by the income recipient in writing. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic income benefit, the monthly income bought by each $1,000 of benefit will never be less than that shown below. Monthly Income Monthly Income Age Monthly Income Age Male Female Monthly Income Age Male Female Monthly Income Age Male Female Monthly Income Age Monthly Income 0-30 $3.20 $3.09 2.79 40 3.08 50 3.53 60 4.26 70 5.51 32 2.84 42 3.15 52 3.65 62 4.46 72 5.85 34 2.89 44 3.23 54 3.78 64 4.68 74 6.22 36 2.95 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.32 56 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.93 75+ 7.08 6.67 6.41 38 3.01 48 3.42 58 4.08 68 5.21 Monthly income amount for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on the Annuity 2000 table with interest at 3.002.50%. This benefit is not available if the income would be less than $100 a month. We may require evidence of survival for incomes that last more than ten years. Other Income Options - – Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts Xxxxxxx left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.

INCOME BENEFITS. Income Benefits - – Surrender or withdrawal benefits may be used to buy a lifetime monthly income for either the Insured as long as the monthly income is at least $100. Death benefits may be used to buy a monthly income for the lifetime of the beneficiary. The monthly income will automatically be guaranteed to continue for at least ten years, unless another form of payment is requested. Under the automatic form of payment, if the income recipient dies before the end of the ten-year period, payments will continue to the end of the ten-year period to a person designated by the income recipient in writing. The purchase rates for the monthly income will be set periodically by the Company. However, under the automatic income benefit, the monthly income bought by each $1,000 of benefit will never be less than that shown below. Monthly Income Monthly Income Age Monthly Income Age Male Female Monthly Income Age Male Female Monthly Income Age Male Female 0-30 $3.20 $3.09 Monthly Income Age Monthly Income 32 2.84 42 3.15 52 3.65 62 4.46 72 5.85 34 2.89 44 3.23 54 3.78 64 4.68 74 6.22 36 2.95 46 $3.81 $3.61 62 $5.10 $4.73 32 3.25 3.14 48 3.32 56 3.92 3.71 64 5.35 4.95 34 3.31 3.19 50 4.05 3.81 66 5.62 5.20 36 3.38 3.24 52 4.18 3.93 68 5.92 5.47 38 3.45 3.30 54 4.33 4.06 70 6.23 5.78 40 3.53 3.37 56 4.49 4.20 72 6.56 6.11 42 3.62 3.44 58 4.68 4.36 74 6.90 6.48 44 3.71 3.52 60 4.88 4.54 4.93 75+ 7.08 6.67 6.41 38 3.01 48 3.42 58 4.08 68 5.21 Monthly income amount for Ages ages not shown are halfway between the two amounts for the nearest two Ages ages that are shown. Amounts shown are based on the Annuity 2000 table with interest at 3.002.50%. This benefit is not available if the income would be less than $100 a month. We may require evidence of survival for incomes that last more than ten years. Other Income Options - – Surrender, withdrawal or death benefits may be used under any other payment plans that we make available at that time. There is an Interest Settlement Option available under which we will credit interest monthly. Amounts Xxxxxxx left on deposit under this plan, and credited interest, will be accumulated until you request a withdrawal.