Common use of JOINT AND SURVIVOR ANNUITY Clause in Contracts

JOINT AND SURVIVOR ANNUITY. Monthly Annuity Payments payable during the joint lifetime of the Annuitant and a Joint Annuitant and then during the lifetime of the survivor at the percentage (100%, 75%, 66 2/3% or 50%) selected. Annuity Options A, B, and C are available on a Fixed Annuity basis, a Variable Annuity basis or a combination of both. Election of a Fixed Annuity or a Variable Annuity must be made no later than fifteen (15) days prior to the Annuity Date. If no election is made, the Annuity will be paid to reflect the allocation of the Contract Value on the Annuity Date between the Separate Account and the General Account, if any. ANNUITY: If the Owner selects a Fixed Annuity, the Adjusted Contract Value is allocated to the General Account and the Annuity is paid as a Fixed Annuity. If the Owner selects a Variable Annuity, the Adjusted Contract Value will be allocated to the Sub-Accounts of the Separate Account in accordance with the selection made by the Owner, and the Annuity will be paid as a Variable Annuity. The Owner can also select a combination of a Fixed and Variable Annuity and the Adjusted Contract Value will be allocated accordingly. Unless the Owner specifies otherwise, the payee of the Annuity Payments shall be the Annuitant and any Joint Annuitant. The Adjusted Contract Value will be applied to the applicable Annuity Table contained in the Contract based upon the Annuity Option selected by the Owner. The amount of the first payment for each $1,000 of Adjusted Contract Value is shown in the Annuity Tables. If, as of the Annuity Date, the current Annuity Option rates applicable to this class of contracts provide an initial Annuity Payment greater than that guaranteed under the same Annuity Option under this Contract, the greater payment will be made.

JOINT AND SURVIVOR ANNUITY. Monthly Annuity Payments payable during the joint lifetime of the Annuitant and a Joint Annuitant and then during the lifetime of the survivor at the percentage (100%, 75%, 66 2/3% or 50%) selected. Annuity Options A, B, and C are available on a Fixed Annuity basis, a Variable Annuity basis or a combination of both. Election of a Fixed Annuity or a Variable Annuity must be made no later than fifteen (15) days prior to the Annuity Date. If no election is made, the Annuity will be paid to reflect the allocation of the Contract Value on the Annuity Date between the Separate Account and the General Account, if any. ANNUITYANNUITY : If the Owner selects a Fixed Annuity, the Adjusted Contract Value is allocated to the General Account and the Annuity is paid as a Fixed Annuity. If the Owner selects a Variable Annuity, the Adjusted Contract Value will be allocated to the Sub-Accounts of the Separate Account in accordance with the selection made by the Owner, and the Annuity will be paid as a Variable Annuity. The Owner can also select a combination of a Fixed and Variable Annuity and the Adjusted Contract Value will be allocated accordingly. Unless the Owner specifies otherwise, the payee of the Annuity Payments shall be the Annuitant and any Joint Annuitant. The Adjusted Contract Value will be applied to the applicable Annuity Table contained in the Contract based upon the Annuity Option selected by the Owner. The amount of the first payment for each $1,000 of Adjusted Contract Value is shown in the Annuity Tables. If, as of the Annuity Date, the current Annuity Option rates applicable to this class of contracts provide an initial Annuity Payment greater than that guaranteed under the same Annuity Option under this Contract, the greater payment will be made.

JOINT AND SURVIVOR ANNUITY. Monthly Annuity Payments payable during the joint lifetime of the Annuitant payee and a Joint Annuitant designated second natural person and then during the lifetime of the survivor at survivor. Unless the percentage (100%Annuity Option provides for commutation by the payee, 75%, 66 2/3% a payee may not withdraw or 50%) selectedotherwise end an Annuity Option after it begins. Payments will end upon the payee's death unless the Annuity Option provides for payments continuing to a successor payee. No successor payee may extend the period of time over which the remaining payments are to be made. Annuity Options A, B, and C are available on If a Fixed Annuity basis, a Variable Annuity basis or a combination of both. Election of a Fixed Annuity or a Variable Annuity must be made no later than fifteen (15) days prior to the Annuity Date. If no election is made, the Annuity will be paid to reflect the allocation of the Contract Value on the Annuity Date between the Separate Account and the General Account, if any. ANNUITY: If the Certificate Owner selects a Fixed Annuity, the Adjusted Contract Certificate Value is allocated to the General Account and the Annuity is paid as a Fixed Annuity. If the Certificate Owner selects a Variable Annuity, the Adjusted Contract Certificate Value will be allocated to the Sub-Accounts accounts of the Separate Account in accordance with the selection made by the Ownerhe or she makes, and the Annuity will be paid as a Variable Annuity. The A Certificate Owner can also select a combination of a Fixed and Variable Annuity and the Adjusted Contract Certificate Value will be allocated accordingly. Unless If a Certificate Owner does not select between a Fixed Annuity and a Variable Annuity, any Adjusted Certificate Value in the Owner specifies otherwise, the payee of the Variable Account will be applied to a Variable Annuity Payments shall be the Annuitant and any Joint AnnuitantAdjusted Certificate Value in the Fixed Account will be applied to a Fixed Annuity. The Adjusted Contract Certificate Value will be applied to the applicable Annuity Table contained in the Contract Certificate based upon the Annuity Option selected by the Owner. The amount of the first payment for each $1,000 of Adjusted Contract Value is shown in the Annuity Tablesa Certificate Owner selects. If, as of the Annuity Income Date, the current Annuity Option rates applicable to this the class of contracts Certificates issued under the Group Contract provide an initial Annuity Payment greater than that the initial Annuity Payment guaranteed under the same applicable Annuity Option under this ContractTable in the Certificate, the greater payment will be made.