Common use of Joint and Last Survivor Life Annuity Clause in Contracts

Joint and Last Survivor Life Annuity. Adjusted Age of Joint Annuitant* Adjusted Age of Annuitant* ----------------------------------------------------------------------- 55 60 62 65 67 70 75 ----- ----- ----- ----- ----- ----- ----- 54 $3.80 $3.93 $3.98 $4.04 $4.08 $4.13 $4.19 59 3.95 4.14 4.21 4.32 4.38 4.46 4.57 61 4.00 4.22 4.31 4.43 4.50 4.61 4.75 64 4.07 4.34 4.44 4.60 4.70 4.83 5.03 66 4.12 4.41 4.53 4.71 4.82 4.99 5.23 69 4.17 4.50 4.65 4.86 5.01 5.23 5.56 74 4.25 4.64 4.81 5.09 5.29 5.60 6.11 * Dollar amounts of the monthly payments for ages not shown in this table will be calculated on the same basis as those shown and may be obtained from us upon request. 16 Fixed Period Dollar Amount Fixed Period Dollar Amount (Years) of Payment (Years) of Payment ------ ---------- ------ ---------- 5 $17.91 13 $7.71 6 15.14 14 7.26 7 13.16 15 6.87 8 11.68 16 6.53 9 10.53 17 6.23 10 9.61 18 5.96 11 8.86 19 5.73 12 8.24 20 5.51

Joint and Last Survivor Life Annuity. Adjusted Age of Joint Annuitant* Adjusted Age of Annuitant* ----------------------------------------------------------------------- ---------------- ------------------------------------------------------------------ 55 60 62 65 67 70 75 ----- ----- ----- ----- ----- ----- ----- 54 $3.80 $3.93 $3.98 $4.04 $4.08 $4.13 $4.19 59 3.95 4.14 4.21 4.32 4.38 4.46 4.57 61 4.00 4.22 4.31 4.43 4.50 4.61 4.75 64 4.07 4.34 4.44 4.60 4.70 4.83 5.03 66 4.12 4.41 4.53 4.71 4.82 4.99 5.23 69 4.17 4.50 4.65 4.86 5.01 5.23 5.56 74 4.25 4.64 4.81 5.09 5.29 5.60 6.11 * Dollar amounts of the monthly payments for ages not shown in this table will be calculated on the same basis as those shown and may be obtained from us upon request. 16 Option 4 -- Fixed Period Annuity Fixed Period Dollar Amount Fixed Period Dollar Amount (Years) of Payment (Years) of Payment ------ ------- ---------- ------ ------- ---------- 5 $17.91 13 $7.71 6 15.14 14 7.26 7 13.16 15 6.87 8 11.68 16 6.53 9 10.53 17 6.23 10 9.61 18 5.96 11 8.86 19 5.73 12 8.24 20 5.51

Joint and Last Survivor Life Annuity. Adjusted Age of Joint Annuitant* Adjusted Age of -------------------------- Joint Annuitant* ----------------------------------------------------------------------- 55 60 62 65 67 70 75 ----- ----- ----- ----- ----- ----- ----- ---------------- ---- ---- ---- ---- ---- ---- ---- 54 $3.80 $3.93 $3.98 $4.04 $4.08 $4.13 $4.19 59 3.95 4.14 4.21 4.32 4.38 4.46 4.57 61 4.00 4.22 4.31 4.43 4.50 4.61 4.75 64 4.07 4.34 4.44 4.60 4.70 4.83 5.03 66 4.12 4.41 4.53 4.71 4.82 4.99 5.23 69 4.17 4.50 4.65 4.86 5.01 5.23 5.56 74 4.25 4.64 4.81 5.09 5.29 5.60 6.11 * Dollar amounts of the monthly payments for ages not shown in this table will be calculated on the same basis as those shown and may be obtained from us upon request. 16 Option 4 -- Fixed Period Annuity Fixed Period Dollar Amount Fixed Period Dollar Amount (Years) of Payment (Years) of Payment ------ ---------- ------ ---------- ------------- -------------- ------------- ------------- 5 $17.91 13 $7.71 6 15.14 14 7.26 7 13.16 15 6.87 8 11.68 16 6.53 9 10.53 17 6.23 10 9.61 18 5.96 11 8.86 19 5.73 12 8.24 20 5.51