Common use of Income Table for Life Clause in Contracts

Income Table for Life. Male/Female Male/Female Male/Female Age Life Only 10 Years Certain 20 Years Certain --- --------- ---------------- ---------------- 50 3.81 / 3.55 $3.78 / 3.54 $3.68 / 3.49 55 4.20 / 3.89 4.15 / 3.86 3.98 / 3.77 60 4.72 / 4.33 4.62 / 4.28 4.31 / 4.10 65 5.43 / 4.93 5.24 / 4.83 4.64 / 4.47 70 6.42 / 5.76 5.99 / 5.54 4.93 / 4.82 75 7.79 / 6.99 6.86 / 6.44 5.13 / 5.08 80 9.70 / 8.80 7.74 / 7.45 5.24 / 5.22 85 12.38 / 11.52 8.49 / 8.35 5.28 / 5.27 RIDERS [Guaranteed Minimum Income Benefit Rider o On the Income Date, we will calculate an anniversary value for each Certificate Anniversary on or before the Income Date, excluding, however, Certificate Anniversaries that come after the Owner attains age [80] or before the Effective Date of this Rider. o The Income Date must be on a Certificate Anniversary or the 30 days that follow and must be:

Income Table for Life. Male/Female Male/Female Male/Female Age Life Only 10 Years Certain 20 Years Certain --- --------- ---------------- ---------------- 50 3.81 / 3.55 $3.78 / 3.54 $3.68 / 3.49 55 4.20 / 3.89 4.15 / 3.86 3.98 / 3.77 60 4.72 / 4.33 4.62 / 4.28 4.31 / 4.10 65 5.43 / 4.93 5.24 / 4.83 4.64 / 4.47 70 6.42 / 5.76 5.99 / 5.54 4.93 / 4.82 75 7.79 / 6.99 6.86 / 6.44 5.13 / 5.08 80 9.70 / 8.80 7.74 / 7.45 5.24 / 5.22 85 12.38 / 11.52 8.49 / 8.35 5.28 / 5.27 RIDERS [Guaranteed Minimum Income Benefit Rider o On the Income Date, we will calculate an anniversary value for each Certificate Contract Anniversary on or before the Income Date, excluding, however, Certificate Contract Anniversaries that come after the Owner attains age [80] or before the Effective Date of this Rider. o The Income Date must be on a Certificate Contract Anniversary or the 30 days that follow and must be:

Income Table for Life. Male/Female Male/Female Male/Female Age Life Only 10 Years Certain 20 Years Certain --- --------- ---------------- ---------------- 50 3.81 3.24 / 3.55 3.08 $3.78 3.24 / 3.08 $3.21 / 3.06 55 3.49 / 3.29 3.47 / 3.28 3.42 / 3.25 60 3.79 / 3.54 $3.68 3.77 / 3.49 55 4.20 3.53 3.67 / 3.89 4.15 3.48 65 4.18 / 3.86 3.98 3.87 4.13 / 3.77 60 4.72 3.85 3.97 / 4.33 4.62 3.76 70 4.70 / 4.28 4.31 4.61 / 4.10 65 5.43 4.26 4.30 / 4.93 5.24 4.09 75 5.40 / 4.83 4.64 4.90 5.22 / 4.47 70 6.42 4.81 4.63 / 5.76 5.99 4.45 80 6.38 / 5.54 4.93 5.73 5.97 / 4.82 75 7.79 5.52 4.92 / 6.99 6.86 4.81 85 7.73 / 6.44 5.13 6.94 6.83 / 5.08 80 9.70 6.41 5.12 / 8.80 7.74 / 7.45 5.24 / 5.22 85 12.38 / 11.52 8.49 / 8.35 5.28 / 5.27 5.07 RIDERS [Guaranteed Minimum Income Benefit Rider o On the Income Date, we will calculate an anniversary value for each Certificate Anniversary on or before the Income Date, excluding, however, Certificate Anniversaries that come after the Owner attains age [80] or before the Effective Date of this Rider. o The Income Date must be on a Certificate Anniversary or the 30 days that follow and must be:

Income Table for Life. Male/Female Male/Female Male/Female Age Life Only 10 Years Certain 20 Years Certain --- --------- ---------------- ---------------- 50 3.81 $3.24 / 3.55 3.08 $3.78 3.24 / 3.08 $3.21 / 3.06 55 3.49 / 3.29 3.47 / 3.28 3.42 / 3.25 60 3.79 / 3.54 $3.68 3.77 / 3.49 55 4.20 3.53 3.67 / 3.89 4.15 3.48 65 4.18 / 3.86 3.98 3.87 4.13 / 3.77 60 4.72 3.85 3.97 / 4.33 4.62 3.76 70 4.70 / 4.28 4.31 4.61 / 4.10 65 5.43 4.26 4.30 / 4.93 5.24 4.09 75 5.40 / 4.83 4.64 4.90 5.22 / 4.47 70 6.42 4.81 4.63 / 5.76 5.99 4.45 80 6.38 / 5.54 4.93 5.73 5.97 / 4.82 75 7.79 5.52 4.92 / 6.99 6.86 4.81 85 7.73 / 6.44 5.13 6.94 6.83 / 5.08 80 9.70 6.41 5.12 / 8.80 7.74 / 7.45 5.24 / 5.22 85 12.38 / 11.52 8.49 / 8.35 5.28 / 5.27 5.07 RIDERS [Guaranteed Minimum Income Benefit Rider o On the Income Date, we will calculate an anniversary value for each Certificate Anniversary on or before the Income Date, excluding, however, Certificate Anniversaries that come after the Owner attains age [80] or before the Effective Date of this Rider. o The Income Date must be on a Certificate Anniversary or the 30 days that follow and must be:

Income Table for Life. Male/Female Male/Female Male/Female Age Life Only 10 Years Certain 20 Years Certain --- --------- ---------------- ---------------- 50 3.81 3.24 / 3.55 3.08 $3.78 3.24 / 3.08 $3.21 / 3.06 55 3.49 / 3.29 3.47 / 3.28 3.42 / 3.25 60 3.79 / 3.54 $3.68 3.77 / 3.49 55 4.20 3.53 3.67 / 3.89 4.15 3.48 65 4.18 / 3.86 3.98 3.87 4.13 / 3.77 60 4.72 3.85 3.97 / 4.33 4.62 3.76 70 4.70 / 4.28 4.31 4.61 / 4.10 65 5.43 4.26 4.30 / 4.93 5.24 4.09 75 5.40 / 4.83 4.64 4.90 5.22 / 4.47 70 6.42 4.81 4.63 / 5.76 5.99 4.45 80 6.38 / 5.54 4.93 5.73 5.97 / 4.82 75 7.79 5.52 4.92 / 6.99 6.86 4.81 85 7.73 / 6.44 5.13 6.94 6.83 / 5.08 80 9.70 6.41 5.12 / 8.80 7.74 / 7.45 5.24 / 5.22 85 12.38 / 11.52 8.49 / 8.35 5.28 / 5.27 5.07 RIDERS [Guaranteed Minimum Income Benefit Rider o On the Income Date, we will calculate an anniversary value for each Certificate Contract Anniversary on or before the Income Date, excluding, however, Certificate Contract Anniversaries that come after the Owner attains age [80] or before the Effective Date of this Rider. o The Income Date must be on a Certificate Contract Anniversary or the 30 days that follow and must be: