Common use of JOINT AND SURVIVOR ANNUITY Clause in Contracts

JOINT AND SURVIVOR ANNUITY. FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.69 3.74 3.78 3.81 3.83 3.85 3.86 3.87 3.87 3.88 3.74 3.80 3.86 3.91 3.95 3.98 4.00 4.01 4.02 4.03 3.78 3.86 3.94 4.02 4.08 4.13 4.17 4.19 4.21 4.22 3.81 3.91 4.02 4.12 4.22 4.31 4.37 4.42 4.45 4.48 3.83 3.95 4.08 4.22 4.37 4.50 4.61 4.70 4.76 4.80 3.85 3.98 4.13 4.31 4.50 4.69 4.87 5.03 5.14 5.22 3.86 4.00 4.17 4.37 4.61 4.87 5.14 5.40 5.61 5.76 3.87 4.01 4.19 4.42 4.70 5.03 5.40 5.79 6.15 6.45 3.87 4.02 4.21 4.45 4.76 5.14 5.61 6.15 6.71 7.23 3.88 4.03 4.22 4.48 4.80 5.22 5.76 6.45 7.23 8.05 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE ANNUITY RATES TABLE 7 - OPTION D MONTHLY PAYMENT PER $1,000 MALE/FEMALE JOINT AND 2/3 ANNUITY MALE FEMALE AGE MALE AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.84 3.93 4.02 4.12 4.24 4.37 4.52 4.68 4.84 5.01 3.88 3.98 4.09 4.21 4.34 4.49 4.65 4.82 5.00 5.18 3.92 4.04 4.17 4.31 4.46 4.62 4.81 5.00 5.20 5.39 3.96 4.09 4.24 4.41 4.59 4.79 5.00 5.22 5.44 5.66 3.99 4.14 4.31 4.51 4.73 4.97 5.23 5.49 5.75 6.01 4.01 4.18 4.37 4.60 4.86 5.16 5.48 5.81 6.14 6.46 4.03 4.21 4.42 4.68 4.99 5.35 5.76 6.18 6.61 7.03 4.04 4.23 4.46 4.75 5.10 5.53 6.04 6.58 7.16 7.73 4.05 4.25 4.49 4.79 5.18 5.67 6.28 6.97 7.74 8.54 4.06 4.26 4.51 4.83 5.24 5.78 6.48 7.31 8.30 9.38 40 45 50 55 60 65 70 75 80 85 MALE(1)MALE(2) JOINT AND 2/3 ANNUITY MALE(1) MALE(2) AGE MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.84 5.02 5.20 3.92 4.04 4.17 4.31 4.46 4.63 4.82 5.02 5.22 5.42 3.96 4.09 4.24 4.40 4.58 4.78 5.00 5.23 5.46 5.68 3.99 4.13 4.31 4.50 4.71 4.96 5.22 5.48 5.76 6.02 4.01 4.17 4.36 4.59 4.85 5.14 5.46 5.78 6.12 6.44 4.03 4.20 4.41 4.67 4.97 5.32 5.72 6.13 6.55 6.96 4.04 4.22 4.45 4.73 5.07 5.49 5.98 6.50 7.06 7.60 4.05 4.24 4.48 4.78 5.16 5.63 6.21 6.86 7.58 8.32 4.06 4.25 4.50 4.82 5.22 5.74 6.41 7.19 8.10 9.08 4.06 4.26 4.51 4.84 5.26 5.83 6.56 7.47 8.57 9.82 40 45 50 55 60 65 70 75 80 85 FEMALE(1)FEMALE(2) JOINT AND 2/3 ANNUITY FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.76 3.83 3.92 4.01 4.12 4.24 4.38 4.54 4.72 4.90 3.79 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.87 5.07 3.81 3.92 4.04 4.17 4.31 4.47 4.64 4.84 5.05 5.27 3.83 3.95 4.09 4.24 4.42 4.60 4.81 5.04 5.28 5.53 3.85 3.98 4.13 4.31 4.52 4.75 5.00 5.27 5.56 5.85 3.86 4.00 4.17 4.37 4.61 4.89 5.20 5.54 5.90 6.26 3.87 4.01 4.19 4.42 4.69 5.02 5.40 5.84 6.30 6.77 3.87 4.02 4.21 4.45 4.75 5.12 5.59 6.14 6.75 7.39 3.88 4.03 4.22 4.47 4.79 5.20 5.73 6.40 7.19 8.05 3.88 4.03 4.23 4.49 4.82 5.26 5.84 6.61 7.58 8.71 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE ANNUITY RATES TABLE 8 - OPTION E MONTHLY PAYMENT PER $1000 YEARS MONTHLY INCOME [page break] [FIXED ACCOUNT ENDORSEMENT 1 Year Guarantee Interest; Portfolio Method thereafter] C.M. LIFE INSURANCE COMPANY 000 XXXXXX XXXXXX HARTFORD, CT 06154 DECLARED INTEREST RATE FIXED ACCOUNT ANNUITY ENDORSEMENT This Endorsement modifies the Contract to which it is attached. The effective date of the Endorsement is shown on the Contract Schedule. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is modified as follows:

JOINT AND SURVIVOR ANNUITY. FEMALE(1) FEMALE(2) AGE FEMALE(1) ------------------------------------------------- FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 45 50 55 60 65 70 75 80 85 3.69 3.74 3.78 3.81 3.83 3.85 3.86 3.87 3.87 3.88 40 45 3.74 3.80 3.86 3.91 3.95 3.98 4.00 4.01 4.02 4.03 45 50 3.78 3.86 3.94 4.02 4.08 4.13 4.17 4.19 4.21 4.22 50 55 3.81 3.91 4.02 4.12 4.22 4.31 4.37 4.42 4.45 4.48 55 60 3.83 3.95 4.08 4.22 4.37 4.50 4.61 4.70 4.76 4.80 60 65 3.85 3.98 4.13 4.31 4.50 4.69 4.87 5.03 5.14 5.22 65 70 3.86 4.00 4.17 4.37 4.61 4.87 5.14 5.40 5.61 5.76 70 75 3.87 4.01 4.19 4.42 4.70 5.03 5.40 5.79 6.15 6.45 75 80 3.87 4.02 4.21 4.45 4.76 5.14 5.61 6.15 6.71 7.23 80 85 3.88 4.03 4.22 4.48 4.80 5.22 5.76 6.45 7.23 8.05 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE ANNUITY RATES TABLE 7 - -- OPTION D MONTHLY PAYMENT PER $1,000 MALE/FEMALE JOINT AND 2/3 ANNUITY MALE FEMALE AGE MALE ------------------------------------------------- MALE AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 3.84 3.88 3.92 3.96 3.99 4.01 4.03 4.04 4.05 4.06 40 45 3.93 3.98 4.04 4.09 4.14 4.16 4.21 4.23 4.25 4.26 45 50 4.02 4.09 4.17 4.24 4.31 4.37 4.42 4.46 4.49 4.51 50 55 4.12 4.21 4.31 4.41 4.51 4.60 4.68 4.75 4.79 4.83 55 60 4.24 4.34 4.46 4.59 4.73 4.86 4.99 5.10 5.16 5.24 60 65 4.37 4.49 4.62 4.79 4.97 5.16 5.35 5.53 5.67 5.78 65 70 4.52 4.65 4.81 5.00 5.23 5.48 5.76 6.04 6.28 6.48 70 75 4.68 4.82 5.00 5.22 5.49 5.81 6.16 6.58 6.97 7.31 75 80 4.84 5.00 5.20 5.44 5.75 6.14 6.61 7.16 7.74 8.30 80 85 3.84 3.93 4.02 4.12 4.24 4.37 4.52 4.68 4.84 5.01 3.88 3.98 4.09 4.21 4.34 4.49 4.65 4.82 5.00 5.18 3.92 4.04 4.17 4.31 4.46 4.62 4.81 5.00 5.20 5.16 5.39 3.96 4.09 4.24 4.41 4.59 4.79 5.00 5.22 5.44 5.66 3.99 4.14 4.31 4.51 4.73 4.97 5.23 5.49 5.75 6.01 4.01 4.18 4.37 4.60 4.86 5.16 5.48 5.81 6.14 6.46 4.03 4.21 4.42 4.68 4.99 5.35 5.76 6.18 6.61 7.03 4.04 4.23 4.46 4.75 5.10 5.53 6.04 6.58 7.16 7.73 4.05 4.25 4.49 4.79 5.18 5.67 6.28 6.97 7.74 8.54 4.06 4.26 4.51 4.83 5.24 5.78 6.48 7.31 8.30 9.38 40 45 50 55 60 65 70 75 80 85 MALE(1)MALE(2MALE(1) MALE(2) JOINT AND 2/3 ANNUITY MALE(1) MALE(2) AGE MALE(1) ------------------------------------------------- MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 3.88 3.92 3.96 3.99 4.01 4.03 4.04 4.05 4.06 4.06 40 45 3.98 4.04 4.09 4.13 4.17 4.20 4.22 4.24 4.25 4.26 45 50 4.09 4.17 4.24 4.31 4.36 4.41 4.45 4.48 4.50 4.51 50 55 4.21 4.31 4.40 4.50 4.59 4.67 4.73 4.78 4.82 4.84 55 60 4.35 4.46 4.58 4.71 4.85 4.97 5.07 5.16 5.22 5.26 60 65 4.50 4.63 4.78 4.96 5.14 5.32 5.49 5.63 5.74 5.83 65 70 4.67 4.82 5.00 5.22 5.46 5.72 5.98 6.21 6.41 6.56 70 75 4.84 5.02 5.23 5.48 5.78 6.13 6.50 6.86 7.19 7.47 75 80 5.02 5.22 5.46 5.76 6.12 6.55 7.06 7.58 8.10 8.57 80 85 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.84 5.02 5.20 3.92 4.04 4.17 4.31 4.46 4.63 4.82 5.02 5.22 5.42 3.96 4.09 4.24 4.40 4.58 4.78 5.00 5.23 5.46 5.68 3.99 4.13 4.31 4.50 4.71 4.96 5.22 5.48 5.76 6.02 4.01 4.17 4.36 4.59 4.85 5.14 5.46 5.78 6.12 6.44 4.03 4.20 4.41 4.67 4.97 5.32 5.72 6.13 6.55 6.96 4.04 4.22 4.45 4.73 5.07 5.49 5.98 6.50 7.06 7.60 4.05 4.24 4.48 4.78 5.16 5.63 6.21 6.86 7.58 8.32 4.06 4.25 4.50 4.82 5.22 5.74 6.41 7.19 8.10 9.08 4.06 4.26 4.51 4.84 5.26 5.83 6.56 7.47 8.57 9.82 40 45 50 55 60 65 70 75 80 85 FEMALE(1)FEMALE(2FEMALE(1) FEMALE(2) JOINT AND 2/3 ANNUITY FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.76 3.83 3.92 4.01 4.12 4.24 4.38 4.54 4.72 4.90 3.79 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.87 5.07 3.81 3.92 4.04 4.17 4.31 4.47 4.64 4.84 5.05 5.27 3.83 3.95 4.09 4.24 4.42 4.60 4.81 5.04 5.28 5.53 3.85 3.98 4.13 4.31 4.52 4.75 5.00 5.27 5.56 5.85 3.86 4.00 4.17 4.37 4.61 4.89 5.20 5.54 5.90 6.26 3.87 4.01 4.19 4.42 4.69 5.02 5.40 5.84 6.30 6.77 3.87 4.02 4.21 4.45 4.75 5.12 5.59 6.14 6.75 7.39 3.88 4.03 4.22 4.47 4.79 5.20 5.73 6.40 7.19 8.05 3.88 4.03 4.23 4.49 4.82 5.26 5.84 6.61 7.58 8.71 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE ANNUITY RATES TABLE 8 - OPTION E MONTHLY PAYMENT PER $1000 YEARS MONTHLY INCOME [page break] [FIXED ACCOUNT ENDORSEMENT 1 Year Guarantee Interest; Portfolio Method thereafter] C.M. LIFE INSURANCE COMPANY 000 XXXXXX XXXXXX HARTFORD, CT 06154 DECLARED INTEREST RATE FIXED ACCOUNT ANNUITY ENDORSEMENT This Endorsement modifies the Contract to which it is attached. The effective date of the Endorsement is shown on the Contract Schedule. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is modified as follows:ANNUITY

JOINT AND SURVIVOR ANNUITY. FEMALE(1) FEMALE(2) AGE FEMALE(1) ------------------------------------------------- FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 3.06 3.11 3.15 3.19 3.21 3.23 3.24 3.25 3.25 3.25 40 45 3.11 3.19 3.25 3.30 3.34 3.37 3.39 3.40 3.41 3.42 45 50 3.15 3.25 3.34 3.42 3.49 3.54 3.58 3.60 3.62 3.63 50 55 3.19 3.30 3.42 3.54 3.64 3.73 3.79 3.84 3.87 3.89 55 60 3.21 3.34 3.49 3.64 3.79 3.93 4.05 4.13 4.19 4.23 60 65 3.23 3.37 3.54 3.73 3.93 4.13 4.32 4.47 4.59 4.66 65 70 3.24 3.39 3.58 3.79 4.05 4.32 4.60 4.86 5.06 5.21 70 75 3.25 3.40 3.60 3.84 4.13 4.47 4.86 5.25 5.62 5.91 75 80 3.25 3.41 3.62 3.87 4.19 4.59 5.06 5.62 6.16 6.70 80 85 3.69 3.74 3.78 3.81 3.83 3.85 3.86 3.87 3.87 3.88 3.74 3.80 3.86 3.91 3.95 3.98 4.00 4.01 4.02 4.03 3.78 3.86 3.94 4.02 4.08 4.13 4.17 4.19 4.21 4.22 3.81 3.91 4.02 4.12 4.22 4.31 4.37 4.42 4.45 4.48 3.83 3.95 4.08 4.22 4.37 4.50 4.61 4.70 4.76 4.80 3.85 3.98 4.13 4.31 4.50 4.69 4.87 5.03 5.14 5.22 3.86 4.00 4.17 4.37 4.61 4.87 5.14 5.40 5.61 5.76 3.87 4.01 4.19 4.42 4.70 5.03 5.40 5.79 6.15 6.45 3.87 4.02 4.21 4.45 4.76 5.14 5.61 6.15 6.71 7.23 3.88 4.03 4.22 4.48 4.80 5.22 5.76 6.45 7.23 8.05 40 45 50 55 60 65 70 75 80 3.25 3.42 3.63 3.89 4.23 4.66 5.21 5.91 6.70 7.52 85 [page break] VARIABLE FIXED ANNUITY RATES TABLE 7 - OPTION 3--OPTION D MONTHLY PAYMENT PER $1,000 MALE/FEMALE JOINT AND 2/3 ANNUITY MALE FEMALE AGE MALE ------------------------------------------------- FEMALE AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 3.21 3.26 3.31 3.35 3.38 3.40 3.42 3.43 3.44 3.44 40 45 3.30 3.37 3.43 3.49 3.54 3.58 3.61 3.63 3.64 3.65 45 50 3.40 3.48 3.57 3.65 3.73 3.79 3.84 3.87 3.90 3.91 50 55 3.50 3.60 3.71 3.82 3.93 4.03 4.11 4.17 4.21 4.24 55 60 3.61 3.73 3.86 4.00 4.15 4.30 4.43 4.53 4.61 4.67 60 65 3.73 3.86 4.02 4.19 4.39 4.59 4.79 4.97 5.11 5.22 65 70 3.86 4.01 4.19 4.40 4.64 4.91 5.20 5.48 5.73 5.92 70 75 4.00 4.16 4.36 4.60 4.89 5.23 5.61 6.03 6.42 6.76 75 80 4.14 4.31 4.53 4.80 5.13 5.54 6.03 6.59 7.19 7.74 80 85 3.84 3.93 4.02 4.12 4.24 4.37 4.52 4.68 4.84 5.01 3.88 3.98 4.09 4.21 4.34 4.49 4.65 4.82 5.00 5.18 3.92 4.04 4.17 4.31 4.27 4.46 4.62 4.81 5.00 5.20 5.39 3.96 4.09 4.24 4.41 4.59 4.79 5.00 5.22 5.44 5.66 3.99 4.14 4.31 4.51 4.73 4.97 5.23 5.49 5.75 6.01 4.01 4.18 4.37 4.60 4.86 5.16 5.48 5.81 6.14 6.46 4.03 4.21 4.42 4.68 4.69 4.99 5.35 5.76 6.18 6.61 7.03 4.04 4.23 4.46 4.75 5.10 5.53 6.04 6.58 7.16 7.73 4.05 4.25 4.49 4.79 5.18 5.67 6.28 6.97 7.74 8.54 4.06 4.26 4.51 4.83 5.24 5.78 6.48 7.31 8.30 9.38 40 45 50 55 60 65 70 75 80 5.36 5.83 6.42 7.14 7.97 8.82 85 MALE(1)MALE(2MALE(1) MALE(2) JOINT AND 2/3 ANNUITY MALE(1) MALE(2) AGE MALE(1) ------------------------------------------------- MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE --------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------- 40 3.26 3.30 3.34 3.37 3.40 3.41 3.43 3.44 3.44 3.45 40 45 3.37 3.43 3.48 3.53 3.57 3.60 3.62 3.64 3.65 3.65 45 50 3.48 3.56 3.64 3.71 3.78 3.83 3.86 3.89 3.91 3.92 50 55 3.60 3.71 3.81 3.92 4.01 4.09 4.16 4.20 4.23 4.26 55 60 3.73 3.86 3.99 4.14 4.27 4.40 4.51 4.59 4.65 4.69 60 65 3.87 4.02 4.19 4.37 4.57 4.76 4.93 5.07 5.16 5.26 65 70 4.02 4.19 4.40 4.63 4.88 5.15 5.42 5.65 5.85 6.00 70 75 4.16 4.37 4.60 4.88 5.19 5.55 5.94 6.31 6.64 6.91 75 80 4.33 4.55 4.81 5.12 5.50 5.96 6.48 7.02 7.54 8.01 80 85 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.84 5.02 5.20 3.92 4.04 4.17 4.31 4.46 4.63 4.82 5.02 5.22 5.42 3.96 4.09 4.24 4.40 4.58 4.78 4.48 4.72 5.00 5.23 5.46 5.68 3.99 4.13 4.31 4.50 4.71 4.96 5.22 5.48 5.76 6.02 4.01 4.17 4.36 4.59 4.85 5.14 5.46 5.78 6.12 6.44 4.03 4.20 4.41 4.67 4.97 5.32 5.72 6.13 6.55 6.96 4.04 4.22 4.45 4.73 5.07 5.49 5.98 6.50 7.06 7.60 4.05 4.24 4.48 4.78 5.16 5.63 6.21 6.86 7.58 8.32 4.06 4.25 4.50 4.82 5.22 5.74 6.41 7.19 8.10 9.08 4.06 4.26 4.51 4.84 5.26 5.83 6.56 7.47 8.57 9.82 40 45 50 55 60 65 70 75 80 5.36 5.80 6.34 7.00 7.73 8.51 9.26 85 FEMALE(1)FEMALE(2FEMALE(1) FEMALE(2) JOINT AND 2/3 ANNUITY FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.76 3.83 3.92 4.01 4.12 4.24 4.38 4.54 4.72 4.90 3.79 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.87 5.07 3.81 3.92 4.04 4.17 4.31 4.47 4.64 4.84 5.05 5.27 3.83 3.95 4.09 4.24 4.42 4.60 4.81 5.04 5.28 5.53 3.85 3.98 4.13 4.31 4.52 4.75 5.00 5.27 5.56 5.85 3.86 4.00 4.17 4.37 4.61 4.89 5.20 5.54 5.90 6.26 3.87 4.01 4.19 4.42 4.69 5.02 5.40 5.84 6.30 6.77 3.87 4.02 4.21 4.45 4.75 5.12 5.59 6.14 6.75 7.39 3.88 4.03 4.22 4.47 4.79 5.20 5.73 6.40 7.19 8.05 3.88 4.03 4.23 4.49 4.82 5.26 5.84 6.61 7.58 8.71 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE ANNUITY RATES TABLE 8 - OPTION E MONTHLY PAYMENT PER $1000 YEARS MONTHLY INCOME [page break] [FIXED ACCOUNT ENDORSEMENT 1 Year Guarantee Interest; Portfolio Method thereafter] C.M. LIFE INSURANCE COMPANY 000 XXXXXX XXXXXX HARTFORD, CT 06154 DECLARED INTEREST RATE FIXED ACCOUNT ANNUITY ENDORSEMENT This Endorsement modifies the Contract to which it is attached. The effective date of the Endorsement is shown on the Contract Schedule. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is modified as follows:ANNUITY

JOINT AND SURVIVOR ANNUITY. FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.69 3.74 3.78 3.81 3.83 3.85 3.86 3.87 3.87 3.88 40 45 3.74 3.80 3.86 3.91 3.95 3.98 4.00 4.01 4.02 4.03 45 50 3.78 3.86 3.94 4.02 4.08 4.13 4.17 4.19 4.21 4.22 50 55 3.81 3.91 4.02 4.12 4.22 4.31 4.37 4.42 4.45 4.48 55 60 3.83 3.95 4.08 4.22 4.37 4.50 4.61 4.70 4.76 4.80 60 65 3.85 3.98 4.13 4.31 4.50 4.69 4.87 5.03 5.14 5.22 65 70 3.86 4.00 4.17 4.37 4.61 4.87 5.14 5.40 5.61 5.76 70 75 3.87 4.01 4.19 4.42 4.70 5.03 5.40 5.79 6.15 6.45 75 80 3.87 4.02 4.21 4.45 4.76 5.14 5.61 6.15 6.71 7.23 80 85 3.88 4.03 4.22 4.48 4.80 5.22 5.76 6.45 7.23 8.05 40 45 50 55 60 65 70 75 80 85 [page break] TMLS 30 09/01 VARIABLE ANNUITY RATES TABLE 7 - OPTION D MONTHLY PAYMENT PER $1,000 MALE/MALE / FEMALE - JOINT AND 2/3 ANNUITY MALE FEMALE AGE MALE AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 3.84 3.88 3.92 3.96 3.99 4.01 4.03 4.04 4.05 4.06 40 45 3.93 3.98 4.04 4.09 4.14 4.18 4.21 4.23 4.25 4.26 45 50 4.02 4.09 4.17 4.24 4.31 4.37 4.42 4.46 4.49 4.51 50 55 4.12 4.21 4.31 4.41 4.51 4.60 4.68 4.75 4.79 4.83 55 60 4.24 4.34 4.46 4.59 4.73 4.86 4.99 5.10 5.18 5.24 60 65 4.37 4.49 4.62 4.79 4.97 5.16 5.35 5.53 5.67 5.78 65 70 4.52 4.65 4.81 5.00 5.23 5.48 5.76 6.04 6.28 6.48 70 75 4.68 4.82 5.00 5.22 5.49 5.81 6.18 6.58 6.97 7.31 75 80 85 3.84 3.93 4.02 4.12 4.24 4.37 4.52 4.68 4.84 5.01 3.88 3.98 4.09 4.21 4.34 4.49 4.65 4.82 5.00 5.18 3.92 4.04 4.17 4.31 4.46 4.62 4.81 5.00 5.20 5.39 3.96 4.09 4.24 4.41 4.59 4.79 5.00 5.22 5.44 5.66 3.99 4.14 4.31 4.51 4.73 4.97 5.23 5.49 5.75 6.01 4.01 4.18 4.37 4.60 4.86 5.16 5.48 5.81 6.14 6.46 4.03 4.21 4.42 4.68 4.99 5.35 5.76 6.18 6.61 7.03 4.04 4.23 4.46 4.75 5.10 5.53 6.04 6.58 7.16 7.73 4.05 4.25 4.49 4.79 5.18 5.67 6.28 6.97 7.74 8.54 4.06 4.26 4.51 4.83 5.24 5.78 6.48 7.31 8.30 9.38 40 45 50 55 60 65 70 75 80 85 MALE(1)MALE(25.01 5.18 5.39 5.66 6.01 6.46 7.03 7.73 8.54 9.38 85 MALE(1) / MALE(2) - JOINT AND 2/3 ANNUITY MALE(1) MALE(2) AGE MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 3.88 3.92 3.96 3.99 4.01 4.03 4.04 4.05 4.06 4.06 40 45 3.98 4.04 4.09 4.13 4.17 4.20 4.22 4.24 4.25 4.26 45 50 4.09 4.17 4.24 4.31 4.36 4.41 4.45 4.48 4.50 4.51 50 55 4.21 4.31 4.40 4.50 4.59 4.67 4.73 4.78 4.82 4.84 55 60 4.35 4.46 4.58 4.71 4.85 4.97 5.07 5.16 5.22 5.26 60 65 4.50 4.63 4.78 4.96 5.14 5.32 5.49 5.63 5.74 5.83 65 70 4.67 4.82 5.00 5.22 5.46 5.72 5.98 6.21 6.41 6.56 70 75 4.84 5.02 5.23 5.48 5.78 6.13 6.50 6.86 7.19 7.47 75 80 85 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.84 5.02 5.20 3.92 4.04 4.17 4.31 4.46 4.63 4.82 5.02 5.22 5.42 3.96 4.09 4.24 4.40 4.58 4.78 5.00 5.23 5.46 5.68 3.99 4.13 4.31 4.50 4.71 4.96 5.22 5.48 5.76 6.02 4.01 4.17 4.36 4.59 4.85 5.14 5.46 5.78 6.12 6.44 4.03 4.20 4.41 4.67 4.97 5.32 5.72 6.13 6.55 6.96 4.04 4.22 4.45 4.73 5.07 5.49 5.98 6.50 7.06 7.60 4.05 4.24 4.48 4.78 5.16 5.63 6.21 6.86 7.58 8.32 4.06 4.25 4.50 4.82 5.22 5.74 6.41 7.19 8.10 9.08 4.06 4.26 4.51 4.84 5.26 5.83 6.56 7.47 8.57 9.82 40 45 50 55 60 65 70 75 80 85 FEMALE(1)FEMALE(25.20 5.42 5.68 6.02 6.44 6.96 7.60 8.32 9.08 9.82 85 FEMALE(1) / FEMALE(2) - JOINT AND 2/3 ANNUITY FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 3.76 3.79 3.81 3.83 3.85 3.86 3.87 3.87 3.88 3.88 40 45 3.83 3.88 3.92 3.95 3.98 4.00 4.01 4.02 4.03 4.03 45 50 3.92 3.98 4.04 4.09 4.13 4.17 4.19 4.21 4.22 4.23 50 55 4.01 4.09 4.17 4.24 4.31 4.37 4.42 4.45 4.47 4.49 55 60 4.12 4.21 4.31 4.42 4.52 4.61 4.69 4.75 4.79 4.82 60 65 4.24 4.35 4.47 4.60 4.75 4.89 5.02 5.12 5.20 5.26 65 70 4.38 4.50 4.64 4.81 5.00 5.20 5.40 5.59 5.73 5.84 70 75 4.54 4.67 4.84 5.04 5.27 5.54 5.84 6.14 6.40 6.61 75 80 85 3.76 3.83 3.92 4.01 4.12 4.24 4.38 4.54 4.72 4.90 3.79 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.87 5.07 3.81 3.92 4.04 4.17 4.31 4.47 4.64 4.84 5.05 5.27 3.83 3.95 4.09 4.24 4.42 4.60 4.81 5.04 5.28 5.53 3.85 3.98 4.13 4.31 4.52 4.75 5.00 5.27 5.56 5.85 3.86 4.00 4.17 4.37 4.61 4.89 5.20 5.54 5.90 6.26 3.87 4.01 4.19 4.42 4.69 5.02 5.40 5.84 6.30 6.77 3.87 4.02 4.21 4.45 4.75 5.12 5.59 6.14 6.75 7.39 3.88 4.03 4.22 4.47 4.79 5.20 5.73 6.40 7.19 8.05 3.88 4.03 4.23 4.49 4.82 5.26 5.84 6.61 7.58 8.71 40 45 50 55 60 65 70 75 80 85 [page break] 4.90 5.07 5.27 5.53 5.85 6.26 6.77 7.39 8.05 8.71 85 TMLS 31 09/01 VARIABLE ANNUITY RATES TABLE 8 - OPTION E MONTHLY PAYMENT PER $1000 YEARS MONTHLY INCOME [page break] [FIXED ACCOUNT ENDORSEMENT 1 Year Guarantee Interest; Portfolio Method thereafter] C.M. LIFE INSURANCE COMPANY 000 XXXXXX XXXXXX HARTFORD, CT 06154 DECLARED INTEREST RATE FIXED ACCOUNT ANNUITY ENDORSEMENT This Endorsement modifies the Contract to which it is attached. The effective date of the Endorsement is shown on the Contract Schedule. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is modified as follows:5 $18.35 6 15.59 7 13.62 8 12.14 9 11.00 10 10.09 11 9.34 12 8.72 13 8.20 14 7.75 15 7.37 16 7.03 17 6.74 18 6.48 19 6.24 20 6.03 21 5.85 22 5.68 23 5.52 24 5.38 25 5.26 26 5.14 27 5.03 28 4.93 29 4.84 30 4.75 TMLS 32 09/01

JOINT AND SURVIVOR ANNUITY. FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.69 3.74 3.78 3.81 3.83 3.85 3.86 3.06 3.11 3.15 3.19 3.21 3.23 3.24 3.25 3.25 3.25 3.11 3.19 3.25 3.30 3.34 3.37 3.39 3.40 3.41 3.42 3.15 3.25 3.34 3.42 3.49 3.54 3.58 3.60 3.62 3.63 3.19 3.30 3.42 3.54 3.64 3.73 3.79 3.84 3.87 3.89 3.21 3.34 3.49 3.64 3.79 3.93 4.05 4.13 4.19 4.23 3.23 3.37 3.54 3.73 3.93 4.13 4.32 4.47 4.59 4.66 3.24 3.39 3.58 3.79 4.05 4.32 4.60 4.86 5.06 5.21 3.25 3.40 3.60 3.84 4.13 4.47 4.86 5.25 5.62 5.91 3.25 3.41 3.62 3.87 3.88 3.74 3.80 3.86 3.91 3.95 3.98 4.00 4.01 4.02 4.03 3.78 3.86 3.94 4.02 4.08 4.13 4.17 4.19 4.21 4.22 3.81 3.91 4.02 4.12 4.22 4.31 4.37 4.42 4.45 4.48 3.83 3.95 4.08 4.22 4.37 4.50 4.61 4.70 4.76 4.80 3.85 3.98 4.13 4.31 4.50 4.69 4.87 5.03 5.14 5.22 3.86 4.00 4.17 4.37 4.61 4.87 5.14 5.40 5.61 5.76 3.87 4.01 4.19 4.42 4.70 5.03 5.40 5.79 6.15 6.45 3.87 4.02 4.21 4.45 4.76 5.14 5.61 6.15 6.71 7.23 3.88 4.03 4.22 4.48 4.80 5.22 5.76 6.45 7.23 8.05 4.59 5.06 5.62 6.18 6.70 3.25 3.42 3.63 3.89 4.23 4.66 5.21 5.91 6.70 7.52 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE FIXED ANNUITY RATES TABLE 7 3 - OPTION D MONTHLY PAYMENT PER $1,000 MALE/FEMALE JOINT AND 2/3 ANNUITY MALE FEMALE AGE MALE FEMALE AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.84 3.93 4.02 4.12 4.24 4.37 4.52 4.68 4.84 5.01 3.88 3.98 4.09 4.21 4.34 4.49 4.65 4.82 5.00 5.18 3.92 4.04 4.17 3.21 3.30 3.40 3.50 3.61 3.73 3.86 4.00 4.14 4.27 3.26 3.37 3.48 3.60 3.73 3.86 4.01 4.16 4.31 4.46 4.62 4.81 5.00 3.31 3.43 3.57 3.71 3.86 4.02 4.19 4.36 4.53 4.69 3.35 3.49 3.65 3.82 4.00 4.19 4.40 4.60 4.80 4.99 3.38 3.54 3.73 3.93 4.15 4.39 4.64 4.89 5.13 5.36 3.40 3.58 3.79 4.03 4.30 4.59 4.91 5.23 5.54 5.83 3.42 3.61 3.84 4.11 4.43 4.79 5.20 5.39 3.96 4.09 5.61 6.03 6.42 3.43 3.63 3.87 4.17 4.53 4.97 5.48 6.03 6.59 7.14 3.44 3.64 3.90 4.21 4.61 5.11 5.73 6.42 7.19 7.97 3.44 3.65 3.91 4.24 4.41 4.59 4.79 5.00 4.67 5.22 5.44 5.66 3.99 4.14 4.31 4.51 4.73 4.97 5.23 5.49 5.75 6.01 4.01 4.18 4.37 4.60 4.86 5.16 5.48 5.81 6.14 6.46 4.03 4.21 4.42 4.68 4.99 5.35 5.76 6.18 6.61 7.03 4.04 4.23 4.46 4.75 5.10 5.53 6.04 6.58 7.16 7.73 4.05 4.25 4.49 4.79 5.18 5.67 6.28 6.97 5.92 6.76 7.74 8.54 4.06 4.26 4.51 4.83 5.24 5.78 6.48 7.31 8.30 9.38 8.82 40 45 50 55 60 65 70 75 80 85 MALE(1)MALE(2) JOINT AND 2/3 ANNUITY MALE(1) MALE(2) AGE MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.88 3.98 3.26 3.37 3.48 3.60 3.73 3.87 4.02 4.18 4.33 4.48 3.30 3.43 3.56 3.71 3.86 4.02 4.19 4.37 4.55 4.72 3.34 3.48 3.64 3.81 3.99 4.19 4.40 4.60 4.81 5.00 3.37 3.53 3.71 3.92 4.14 4.37 4.63 4.88 5.12 5.36 3.40 3.57 3.78 4.01 4.27 4.57 4.88 5.19 5.50 5.80 3.41 3.60 3.83 4.09 4.21 4.35 4.50 4.67 4.84 5.02 5.20 4.40 4.76 5.15 5.55 5.96 6.34 3.43 3.62 3.86 4.16 4.51 4.93 5.42 5.94 6.48 7.00 3.44 3.64 3.89 4.20 4.59 5.07 5.65 6.31 7.02 7.73 3.44 3.65 3.91 4.23 4.65 5.18 5.85 6.64 7.54 8.51 3.45 3.65 3.92 4.04 4.17 4.31 4.46 4.63 4.82 5.02 5.22 5.42 3.96 4.09 4.24 4.40 4.58 4.78 5.00 5.23 5.46 5.68 3.99 4.13 4.31 4.50 4.71 4.96 5.22 5.48 5.76 6.02 4.01 4.17 4.36 4.59 4.85 5.14 5.46 5.78 6.12 6.44 4.03 4.20 4.41 4.67 4.97 5.32 5.72 6.13 6.55 6.96 4.04 4.22 4.45 4.73 5.07 5.49 5.98 6.50 7.06 7.60 4.05 4.24 4.48 4.78 5.16 5.63 6.21 6.86 7.58 8.32 4.06 4.25 4.50 4.82 5.22 5.74 6.41 7.19 8.10 9.08 4.06 4.26 4.51 4.84 4.69 5.26 5.83 6.56 7.47 8.57 9.82 6.00 6.91 8.01 9.26 40 45 50 55 60 65 70 75 80 85 FEMALE(1)FEMALE(2FEMALE(1) FEMALE(2) JOINT AND 2/3 ANNUITY FEMALE(1) FEMALE(2) AGE FEMALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.76 3.12 3.21 3.30 3.40 3.50 3.61 3.74 3.88 4.03 4.19 3.16 3.26 3.37 3.48 3.60 3.73 3.88 4.03 4.20 4.37 3.19 3.31 3.43 3.57 3.72 3.87 4.04 4.22 4.40 4.59 3.21 3.34 3.49 3.66 3.83 3.92 4.01 4.12 4.24 4.38 4.54 4.72 4.90 3.79 3.88 3.98 4.09 4.21 4.35 4.50 4.67 4.02 4.22 4.43 4.65 4.87 5.07 3.81 3.92 4.04 3.23 3.37 3.54 3.73 3.94 4.17 4.31 4.47 4.64 4.84 5.05 5.27 3.83 3.95 4.09 4.24 4.42 4.60 4.81 5.04 5.28 5.53 3.85 3.98 4.13 4.31 4.52 4.75 5.00 5.27 5.56 5.85 3.86 4.00 4.17 4.37 4.61 4.89 5.20 5.54 5.90 6.26 3.87 4.01 4.19 4.42 4.69 5.02 5.40 5.84 6.30 6.77 4.95 5.22 3.24 3.39 3.57 3.79 4.04 4.32 4.64 4.97 5.31 5.65 3.24 3.40 3.60 3.83 4.12 4.46 4.85 5.28 5.73 6.18 3.25 3.41 3.61 3.87 4.02 4.21 4.45 4.75 5.12 4.18 4.57 5.03 5.59 6.14 6.75 7.39 3.88 4.03 6.19 6.81 3.25 3.42 3.63 3.89 4.22 4.47 4.79 5.20 5.73 6.40 7.19 8.05 3.88 4.03 4.23 4.49 4.82 5.26 5.84 6.61 7.58 8.71 4.64 5.18 5.86 6.64 7.49 3.25 3.42 3.63 3.90 4.24 4.69 5.29 6.06 7.03 8.16 40 45 50 55 60 65 70 75 80 85 [page break] VARIABLE FIXED ANNUITY RATES TABLE 8 4 - OPTION E MONTHLY PAYMENT PER $1000 YEARS MONTHLY INCOME [page break] VARIABLE ANNUITY RATES TABLE 5 - OPTIONS A & B MONTHLY PAYMENT PER $1,000 MALE FEMALE Age Life Only 5 Yrs C&L 10 Yrs C&L 20 Yrs C&L Life Only 5 Yrs C&L 10 Yrs C&L 20 Yrs C&L Age 50 4.53 4.53 4.51 4.42 4.24 4.24 4.23 4.19 50 51 4.60 4.59 4.56 4.47 4.29 4.29 4.28 4.23 51 52 4.66 4.65 4.63 4.52 4.34 4.33 4.32 4.28 52 53 4.73 4.72 4.69 4.57 4.39 4.39 4.38 4.32 53 54 4.80 4.79 4.76 4.62 4.45 4.44 4.43 4.37 54 55 4.88 4.86 4.83 4.68 4.51 4.50 4.49 4.42 55 56 4.95 4.94 4.90 4.74 4.57 4.56 4.54 4.47 56 57 5.04 5.02 4.98 4.79 4.63 4.63 4.61 4.52 57 58 5.13 5.11 5.06 4.85 4.70 4.70 4.67 4.58 58 59 5.22 5.21 5.15 4.91 4.78 4.77 4.74 4.64 59 60 5.33 5.31 5.24 4.97 4.86 4.85 4.82 4.70 60 61 5.44 5.41 5.34 5.04 4.94 4.93 4.90 4.76 61 62 5.55 5.53 5.44 5.10 5.03 5.02 4.98 4.82 62 63 5.68 5.65 5.55 5.16 5.12 5.11 5.07 4.89 63 64 5.81 5.78 5.67 5.22 5.22 5.21 5.16 4.95 64 65 5.96 5.91 5.79 5.28 5.33 5.31 5.26 5.02 65 66 6.11 6.06 5.91 5.35 5.45 5.43 5.37 5.09 66 67 6.27 6.22 6.04 5.40 5.57 5.55 5.48 5.15 67 68 6.45 6.38 6.18 5.46 5.70 5.68 5.60 5.22 68 69 6.63 6.55 6.32 5.52 5.85 5.82 5.72 5.29 69 70 6.83 6.74 6.46 5.57 6.00 5.96 5.85 5.36 70 71 7.04 6.93 6.61 5.62 6.16 6.12 5.99 5.42 71 72 7.26 7.13 6.77 5.67 6.34 6.29 6.14 5.49 72 73 7.50 7.34 6.92 5.71 6.54 6.48 6.29 5.55 73 74 7.75 7.57 7.09 5.76 6.74 6.67 6.45 5.60 74 75 8.02 7.81 7.25 5.79 6.97 6.89 6.62 5.66 75 76 8.30 8.06 7.42 5.83 7.22 7.11 6.79 5.71 76 77 8.61 8.32 7.59 5.86 7.47 7.35 6.97 5.75 77 78 8.94 8.60 7.76 5.88 7.75 7.60 7.15 5.79 78 79 9.29 8.89 7.93 5.90 8.05 7.87 7.34 5.82 79 80 9.66 9.20 8.10 5.92 8.37 8.15 7.53 5.86 80 81 10.06 9.51 8.27 5.94 8.72 8.45 7.72 5.88 81 82 10.49 9.84 8.43 5.95 9.10 8.77 7.91 5.91 82 83 10.95 10.18 8.59 5.97 9.51 9.11 8.10 5.93 83 84 11.43 10.54 8.74 5.98 9.95 9.47 8.28 5.94 84 85 11.95 10.90 8.88 5.98 10.42 9.84 8.45 5.96 85 [FIXED ACCOUNT ENDORSEMENT 1 Year Guarantee Interest; Portfolio Method thereafterpage break] C.M. LIFE INSURANCE COMPANY 000 XXXXXX XXXXXX HARTFORD, CT 06154 DECLARED INTEREST RATE FIXED ACCOUNT VARIABLE ANNUITY ENDORSEMENT This Endorsement modifies the Contract to which it is attached. The effective date of the Endorsement is shown on the Contract Schedule. In the case of a conflict with any provision in the Contract, the provisions of this Endorsement will control. The Contract is modified as follows:RATES TABLE 6 - OPTION C MONTHLY PAYMENT PER $1,000 MALE/FEMALE JOINT AND SURVIVOR ANNUITY MALE FEMALE AGE MALE AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.73 3.77 3.80 3.83 3.84 3.86 3.87 3.87 3.88 3.88 3.80 3.85 3.90 3.94 3.97 3.99 4.01 4.02 4.03 4.03 3.86 3.93 4.01 4.07 4.12 4.16 4.19 4.21 4.22 4.23 3.91 4.01 4.11 4.21 4.29 4.36 4.41 4.44 4.47 4.48 3.95 4.08 4.21 4.35 4.48 4.59 4.68 4.74 4.79 4.81 3.98 4.13 4.30 4.48 4.66 4.84 4.99 5.11 5.19 5.25 4.01 4.18 4.37 4.59 4.84 5.10 5.34 5.55 5.71 5.82 4.03 4.21 4.43 4.69 4.99 5.34 5.70 6.04 6.34 6.57 4.05 4.23 4.47 4.76 5.11 5.54 6.04 6.55 7.04 7.47 4.05 4.25 4.49 4.80 5.20 5.70 6.31 7.01 7.75 8.47 40 45 50 55 60 65 70 75 80 85 MALE(1)MALE(2) JOINT AND SURVIVOR ANNUITY MALE(1) MALE(2) AGE MALE(1) AGE 40 45 50 55 60 65 70 75 80 85 AGE 40 45 50 55 60 65 70 75 80 85 3.79 3.85 3.90 3.94 3.98 4.01 4.03 4.04 4.05 4.06 3.85 3.93 4.00 4.07 4.12 4.17 4.20 4.23 4.24 4.25 3.90 4.00 4.10 4.20 4.28 4.36 4.41 4.45 4.48 4.50 3.94 4.07 4.20 4.33 4.46 4.57 4.67 4.74 4.79 4.82 3.98 4.12 4.28 4.46 4.64 4.81 4.96 5.08 5.17 5.23 4.01 4.17 4.36 4.57 4.81 5.05 5.28 5.48 5.65 5.76 4.03 4.20 4.41 4.67 4.96 5.28 5.62 5.94 6.22 6.43 4.04 4.23 4.45 4.74 5.08 5.48 5.94 6.40 6.84 7.22 4.05 4.24 4.48 4.79 5.17 5.65 6.22 6.84 7.50 8.11 4.06 4.25 4.50 4.82 5.23 5.76 6.43 7.22 8.11 9.02 40 45 50 55 60 65 70 75 80 85