JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds Survivor Certain Period Certain Period 120 240 Joint 120 240 None Months Months Age None Months Months $4.82 $4.82 $4.81 55 $5.16 $5.13 $5.03 4.87 4.87 4.85 56 5.23 5.19 5.08 4.92 4.92 4.90 57 5.30 5.26 5.13 4.98 4.98 4.96 58 5.38 5.33 5.18 5.04 5.04 5.01 59 5.46 5.41 5.24 5.11 5.10 5.07 60 5.54 5.49 5.30 5.18 5.17 5.13 61 5.64 5.57 5.36 5.25 5.25 5.19 62 5.74 5.66 5.42 5.33 5.32 5.26 63 5.84 5.75 5.48 5.42 5.41 5.32 64 5.96 5.86 5.54 5.51 5.50 5.39 65 6.08 5.96 5.61 5.60 5.59 5.46 66 6.21 6.07 5.67 5.71 5.70 5.54 67 6.35 6.19 5.73 5.82 5.80 5.61 68 6.50 6.32 5.79 5.95 5.92 5.68 69 6.66 6.45 5.85 6.08 6.05 5.75 70 6.83 6.59 5.91 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age Before 1920 + 2 1960-1969 - 3 1920-1929 + 1 1970-1979 - 4 1930-1939 0 1980-1989 - 5 1940-1949 - 1 1990-1999 - 6 1950-1959 - 2 ETC. ETC.
JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Certain Period Joint Age Joint and Two-Thirds to Survivor Certain Period None 120 240 None 120 240 $2.90 2.97 3.05 3.13 3.22 3.31 3.40 3.51 3.62 3.73 3.86 4.00 4.14 4.30 4.47 4.65 $2.90 2.97 3.05 3.13 3.21 3.30 3.40 3.50 3.61 3.73 3.85 3.99 4.13 4.28 4.45 4.63 $2.89 2.96 3.03 3.11 3.19 3.27 3.36 3.45 3.54 3.64 3.74 3.83 3.93 4.02 4.11 4.19 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 $3.20 3.29 3.38 3.48 3.58 3.69 3.80 3.93 4.06 4.21 4.36 4.53 4.71 4.90 5.11 5.34 $3.18 3.27 3.36 3.45 3.55 3.65 3.76 3.88 4.01 4.14 4.28 4.44 4.60 4.77 4.95 5.15 $3.11 3.18 3.26 3.34 3.42 3.50 3.59 3.67 3.76 3.85 3.93 4.01 4.09 4.17 4.24 4.31 AGE ADJUSTMENT TABLE Year of Birth Adjustment to Age Year of Birth Adjustment to Age This page intentionally left blank. LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK Home Office: 000 Xxxxxxx Xxxxxx, Xxxxx 0000 Syracuse, New York 13202 Servicing Office: 0000 Xxxxx Xxxxxxxx Xxxxxx Fort Xxxxx, Indiana 46801-7866 0-000-000-0000 ANNUITY CONTRACT Individual Modified Single Purchase Payment Deferred Variable Annuity Contract With Annuity Payment Options Nonparticipating If You have any questions concerning this Contract, please contact Your Company representative or Our Servicing Office. CONTRACT SPECIFICATIONS Contract Number: XX-0123456 Annuitant: Xxxxxxx Xxxxxxx Age at Issue: 35 Maximum Issue Age: 86 Contract Date: May 1, 2025 Initial Purchase Payment: $25,000 Maturity Date: May 1, 2089 Owner(s): Xxxxxxx Xxxxxxx Xxxx Xxxxxxx Beneficiary Designation: Refer to the Client Information Profile Death Benefit Option on Contract Date: Guarantee of Principal Death Benefit PURCHASE PAYMENT AND ALLOCATION REQUIREMENTS: Maximum Total Purchase Payments: $2,000,000 Minimum Allocation to Any One Variable Subaccount: $20 Minimum Initial Allocation To The DCA Fixed Account: $1,500 We reserve the right to discontinue accepting subsequent Purchase Payments received by the Purchase Payments Acceptance Deadline into the Dollar Cost Averaging Fixed Account (see the DOLLAR COST AVERAGING FIXED ACCOUNT provisions). Funds may not be held in the Dollar Cost Averaging Fixed Account for more than 12 months. VARIABLE ACCOUNT: Lincoln Life & Annuity Variable Annuity Account H.
JOINT AND SURVIVOR ANNUITIES. JOINT AND FULL TO SURVIVOR JOINT AND TWO-THIRDS TO CERTAIN PERIOD SURVIVOR CERTAIN PERIOD -------------------------- ----------------------- NONE 120 240 JOINT AGE NONE 120 240 ---------------------------------------------------------------- $5.17 $5.17 $5.14 60 $5.59 $5.54 $5.37 5.23 5.23 5.20 61 5.68 5.62 5.43 5.31 5.30 5.26 62 5.78 5.71 5.49 5.38 5.38 5.32 63 5.88 5.80 5.56 5.46 5.46 5.39 64 5.99 5.90 5.62 5.55 5.54 5.46 65 6.11 6.00 5.68 5.65 5.64 5.53 66 6.23 6.11 5.75 5.75 5.73 5.60 67 6.36 6.23 5.81 5.85 5.84 5.67 68 6.51 6.35 5.87 5.97 5.95 5.75 69 6.66 6.48 5.94 6.09 6.07 5.82 70 6.83 6.61 6.00 6.23 6.20 5.90 71 7.00 6.75 6.06 6.37 6.33 5.97 72 7.19 6.90 6.11 6.53 6.47 6.03 73 7.40 7.06 6.17 6.69 6.63 6.10 74 7.62 7.22 6.22 6.87 6.79 6.16 75 7.85 7.38 6.26 Age Adjustment Table YEAR OF BIRTH ADJUSTMENT TO AGE ------------- ----------------- Before 1920 +2 1920-1929 +1 1930-1939 0 1940-1949 -1 1950-1959 -2 1960-1969 -3 1970-1979 -4 1980-1989 -5 1990-1999 -6 2000-2009 -7 2010-2019 -8 26
JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds to Survivor Certain Period Certain Period ---------------------------------------------------------------------- Joint None 120 240 Age None 120 240 ------ ------ ------ ----- ------ ------ ------ $ 3.93 $ 3.93 $ 3.90 60 $ 4.34 $ 4.29 $ 4.14 4.00 4.00 3.96 61 4.43 4.38 4.20 4.08 4.08 4.03 62 4.53 4.48 4.27 4.17 4.16 4.10 63 4.64 4.58 4.34 4.25 4.25 4.18 64 4.75 4.68 4.41 4.35 4.34 4.25 65 4.88 4.79 4.48 4.45 4.44 4.33 66 5.01 4.91 4.55 4.56 4.55 4.41 67 5.15 5.03 4.61 4.68 4.66 4.49 68 5.30 5.16 4.68 4.80 4.78 4.57 69 5.46 5.29 4.75 4.94 4.91 4.64 70 5.63 5.44 4.81 5.08 5.05 4.72 71 5.81 5.59 4.87 5.23 5.19 4.79 72 6.01 5.74 4.93 5.40 5.34 4.86 73 6.22 5.91 4.98 5.57 5.50 4.93 74 6.45 6.08 5.03 5.77 5.67 4.99 75 6.70 6.25 5.08 Age Adjustment Table Year of Birth Adjustment to Age Year of Birth Adjustment to Age -------------------- ----------------- ------------- ----------------- Before 1920 +2 1970-1979 -4 1920-1929 +1 1980-1989 -5 1930-1939 0 1990-1999 -6 1940-1949 -1 2000-2009 -7 1950-1959 -2 2010-2019 -8 1960-1969 -3 A VARIABLE ANNUITY PAYMENT WITH A 4.0% ASSUMED INTEREST RATE 1983 'a' Individual Annuity Mortality Table, modified DOLLAR AMOUNT OF FIRST MONTHLY PAYMENT WHICH IS PURCHASED WITH EACH $1,000 APPLIED SINGLE LIFE ANNUITIES ------------------------------------------------- No 120 240 Period Months Months Unit Age Certain Certain Certain Refund --- ------- ------- ------- ------ 60 $ 4.88 $ 4.83 $ 4.66 $ 4.67 61 4.97 4.92 4.72 4.74 62 5.07 5.01 4.79 4.82 63 5.18 5.11 4.85 4.90 64 5.30 5.21 4.92 4.99 65 5.42 5.32 4.99 5.08 66 5.55 5.43 5.05 5.17 67 5.69 5.55 5.12 5.27 68 5.84 5.68 5.18 5.38 69 6.00 5.82 5.25 5.49 70 6.18 5.96 5.31 5.61 71 6.37 6.11 5.37 5.73 72 6.57 6.27 5.42 5.86 73 6.80 6.44 5.47 6.00 74 7.04 6.61 5.52 6.14 75 7.30 6.79 5.56 6.29 JOINT AND SURVIVOR ANNUITIES ---------------------------------------------------------------------- Joint and Full to Survivor Joint and Two-Thirds to Survivor Certain Period Certain Period ---------------------------------------------------------------------- Joint None 120 240 Age None 120 240 ------ ------ ------ ----- ------ ------ ------ $ 4.47 $ 4.46 $ 4.43 60 $ 4.89 $ 4.84 $ 4.67 4.54 4.53 4.49 61 4.98 4.92 4.73 4.61 4.61 4.56 62 5.08 5.01 4.79 4.69 4.69 4.63 63 5.19 5.11 4.86 4.78 4.78 4.70 64 5.30 5.21 4.92 4.88 4.87 4.77 65 5.42 5.32 4.99 4.97 4.96 4.84 66 5.55 5.44 5.05 5.08 5.07 4.92 67 5.69 5.56 5.12 5.20 5.18 4.99 68 5.84 5.68 5.18 5.32 5.3...
JOINT AND SURVIVOR ANNUITIES. Joint and Full to Survivor Joint and Two-Thirds to Survivor Certain Period Certain Period ---------------------------------------------------------------------- Joint None 120 240 Age None 120 240 ------ ------ ------ ----- ------ ------ ------ $ 3.24 $ 3.24 $ 3.22 60 $ 3.63 $ 3.60 $ 3.46 3.32 3.32 3.29 61 3.73 3.69 3.54 3.40 3.40 3.36 62 3.83 3.79 3.61 3.49 3.49 3.44 63 3.94 3.89 3.68 3.59 3.58 3.52 64 4.06 4.00 3.76 3.69 3.68 3.60 65 4.19 4.12 3.83 3.79 3.78 3.68 66 4.32 4.24 3.91 3.90 3.89 3.77 67 4.46 4.37 3.98 4.02 4.01 3.85 68 4.62 4.50 4.06 4.15 4.14 3.94 69 4.78 4.64 4.13 4.29 4.27 4.02 70 4.95 4.79 4.20 4.44 4.41 4.10 71 5.14 4.95 4.26 4.59 4.56 4.18 72 5.34 5.11 4.33 4.76 4.72 4.26 73 5.55 5.28 4.39 4.94 4.88 4.33 74 5.78 5.46 4.44 5.14 5.06 4.39 75 6.03 5.64 4.49
JOINT AND SURVIVOR ANNUITIES. PRE-RETIREMENT SURVIVOR ANNUITIES
