Common use of MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH Clause in Contracts

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.02. Subject to Section 5.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement shown in Section 7B.01 for each Beneficiary/Successor Owner who elects to do so. 2021INHNQ-IE-Z

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.02. Subject to Section 5.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement shown in Section 7B.01 for each Beneficiary/Successor Owner who elects to do so. 2021INHNQ-IEIE 10 PART VII.A INHERITED NQ - ANNUITY BENEFIT UNDER THIS ENDORSEMENT PROVISIONS APPLICABLE TO THE BENEFICIARY NQ STRETCH OPTION AND THE [INCOME EDGE BENEFICIARY ADVANTAGE] PAYMENT PROGRAM All sections under Part VII are deleted and replaced with the following Sections shown in Parts VII.A and VII.B of this Endorsement: SECTION 7A.00 DEATH DISTRIBUTION RULES UNDER SECTION 72(s) OF THE CODE This Inherited NQ Contract is designed and intended to effect the post-Zdeath distribution rules under Section 72(s)(2)(B) of the Code for amounts exchanged into this Contract by an individual beneficiary under another nonqualified deferred annuity contract. Section 72(s) of the Code requires that where any holder of an annuity contract dies before the annuity starting date, the entire interest in the annuity contract must be distributed within the timeframe, and in the manner, described in that Section. This Contract is not intended to effect the general rule described in Section 72(s)(1)(B) of the Code, that the entire interest in the contract must be distributed within five years after the holder’s death. This Contract is intended to effect the rule described in Section 72(s)(2)(B) of the Code, that an individual designated as the beneficiary to receive the interest in the nonqualified deferred annuity contract after the holder’s death may take distribution of this interest over a period not extending beyond the life expectancy of the individual beneficiary. These payments must begin within one year after the holder’s death. In the case of an [Inbound Exchange Where Payments Have Started], instead of an exchange from another nonqualified deferred annuity contract, we may accept an exchange from another annuity contract from which Required Payments Under Section 72(s)(2)(B) have started. The exchange must be either directly from the Source Contract or from the most recent Interim Source Contract if successive exchanges have been made of the remaining interest as a beneficiary from the Source Contract. This Contract is not designed to accept amounts which had been paid on a life contingent basis from the Source Contract or any Interim Source Contract. Required Payments Under Section 72(s)(2)(B) must have been made at least annually over a period certain which does not exceed the Owner’s life expectancy period at the Required Payment Starting Date.

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.02. Subject to Section 5.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement shown in Section 7B.01 for each Beneficiary/Successor Owner who elects to do so. 2021INHNQ-IE-Z

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.02. Subject to Section 5.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement shown in Section 7B.01 for each Beneficiary/Successor Owner who elects to do so. 2021INHNQ-IE-ZZ 10 PART VII.A INHERITED NQ - ANNUITY BENEFIT UNDER THIS ENDORSEMENT PROVISIONS APPLICABLE TO THE BENEFICIARY NQ STRETCH OPTION AND THE [INCOME EDGE BENEFICIARY ADVANTAGE] PAYMENT PROGRAM All sections under Part VII are deleted and replaced with the following Sections shown in Parts VII.A and VII.B of this Endorsement: SECTION 7A.00 DEATH DISTRIBUTION RULES UNDER SECTION 72(s) OF THE CODE This Inherited NQ Contract is designed and intended to effect the post-death distribution rules under Section 72(s)(2)(B) of the Code for amounts exchanged into this Contract by an individual beneficiary under another nonqualified deferred annuity contract. Section 72(s) of the Code requires that where any holder of an annuity contract dies before the annuity starting date, the entire interest in the annuity contract must be distributed within the timeframe, and in the manner, described in that Section. This Contract is not intended to effect the general rule described in Section 72(s)(1)(B) of the Code, that the entire interest in the contract must be distributed within five years after the holder’s death. This Contract is intended to effect the rule described in Section 72(s)(2)(B) of the Code, that an individual designated as the beneficiary to receive the interest in the nonqualified deferred annuity contract after the holder’s death may take distribution of this interest over a period not extending beyond the life expectancy of the individual beneficiary. These payments must begin within one year after the holder’s death. In the case of an [Inbound Exchange Where Payments Have Started], instead of an exchange from another nonqualified deferred annuity contract, we may accept an exchange from another annuity contract from which Required Payments Under Section 72(s)(2)(B) have started. The exchange must be either directly from the Source Contract or from the most recent Interim Source Contract if successive exchanges have been made of the remaining interest as a beneficiary from the Source Contract. This Contract is not designed to accept amounts which had been paid on a life contingent basis from the Source Contract or any Interim Source Contract. Required Payments Under Section 72(s)(2)(B) must have been made at least annually over a period certain which does not exceed the Owner’s life expectancy period at the Required Payment Starting Date.

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 7.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.027.02. Subject to Section 5.02 6.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”Option. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. 2021INHNQ-IR-Z 9 If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to PART [VIII.A] INHERITED NQ - ANNUITY BENEFIT UNDER THIS ENDORSEMENT PROVISIONS APPLICABLE TO THE BENEFICIARY NQ STRETCH OPTION All sections under Part [VIII] are deleted and replaced with the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement following Sections shown in Part [VIII.A] of this Endorsement: SECTION [8A.00] DEATH DISTRIBUTION RULES UNDER SECTION 72(s) OF THE CODE This Inherited NQ Contract is designed and intended to effect the post-death distribution rules under Section 7B.01 72(s)(2)(B) of the Code for each Beneficiary/Successor Owner who elects amounts exchanged into this Contract by an individual beneficiary under another nonqualified deferred annuity contract. Section 72(s) of the Code requires that where any holder of an annuity contract dies before the annuity starting date, the entire interest in the annuity contract must be distributed within the timeframe, and in the manner, described in that Section. This Contract is not intended to do soeffect the general rule described in Section 72(s)(1)(B) of the Code, that the entire interest in the contract must be distributed within five years after the holder’s death. This Contract is intended to effect the rule described in Section 72(s)(2)(B) of the Code, that an individual designated as the beneficiary to receive the interest in the nonqualified deferred annuity contract after the holder’s death may take distribution of this interest over a period not extending beyond the life expectancy of the individual beneficiary. These payments must begin within one year after the holder’s death. In the case of an [Inbound Exchange Where Payments Have Started], instead of an exchange from another nonqualified deferred annuity contract, we may accept an exchange from another annuity contract from which Required Payments Under Section 72(s)(2)(B) have started. The exchange must be either directly from the Source Contract or from the most recent Interim Source Contract if successive exchanges have been made of the remaining interest as a beneficiary from the Source Contract. This Contract is not designed to accept amounts which had been paid on a life contingent basis from the Source Contract or any Interim Source Contract. Required Payments Under Section 72(s)(2)(B) must have been made at least annually over a period certain which does not exceed the Owner’s life expectancy period at the Required Payment Starting Date. 2021INHNQ-IEIR-ZZ 10

MANNER OF PAYMENT FOR PAYMENTS MADE AFTER YOUR DEATH. After your death, Required Payments Under Section 72(s)(2)(B) will continue to the Beneficiary/Successor Owner at least as rapidly as while you were living, and the Annuity Account Value must be depleted by the end of the period certain that is measured by your life expectancy period. Required Payments Under Section 72(s)(2)(B) may continue to serial Beneficiaries/Successor Owners until the Annuity Account Value falls to zero, including through single sum withdrawals described in the next paragraph. The Beneficiary/Successor Owner may elect alternatively to withdraw the Annuity Account Value in a single sum and thereby terminate this Inherited NQ Contract. Where you have named multiple Beneficiaries/Successor Owners, the Annuity Account Value will be divided into shares described in Section 6.01 as of the date the first claim of any Beneficiary/Successor Owner is processed, as described in Section 6.02. Subject to Section 5.02 of this Endorsement, the proportionate shares of payments will continue to be made to each Beneficiary/Successor Owner for the remaining payment period; however each Beneficiary/Successor Owner is eligible to terminate the Beneficiary/Successor Owner’s share of this Inherited NQ Contract and receive instead a share of the Annuity Account Value in a single sum under either the Beneficiary NQ Stretch Option or the [“Income Edge Beneficiary Advantage] Payment Program”. The Inherited NQ Payment Anniversary Date remains the same for each Beneficiary/Successor Owner electing to continue to receive scheduled payments under this Inherited NQ Contract. If you die after this Contract is issued, but before we make the first payment of the Annuity Benefit Under this Endorsement, we will pay the Annuity Account Value to the Beneficiary/Successor Owner in a single sum. Before we make this single sum payment, the Beneficiary/Successor Owner may elect alternatively to take the Annuity Benefit Under this Endorsement over the period certain that applied to you. Application of your Annuity Account Value to the [Income Edge Beneficiary Advantage] Payment Program are subject to the minimum amount requirement shown in Section 7B.01 for each Beneficiary/Successor Owner who elects to do so. 2021INHNQ-IE-Z.