Common use of Nonrefund Clause in Contracts

Nonrefund. AGE OF AGE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- 55 $ 3.66 $ 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------

Nonrefund. AGE OF AGE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ------------------------------------------------------------------------- ANNUITANT 50 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------- 55 $ 3.66 3.55 $ 3.72 $ 3.89 $ 4.04 $ 4.17 $ 4.27 $ 4.35 $ 4.40 $ 4.42 60 3.61 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.04 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 4.47 4.64 4.77 4.86 4.92 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 3.65 3.90 4.17 4.47 4.78 5.06 5.30 5.46 5.57 70 3.89 4.19 4.54 4.94 5.34 3.69 3.95 4.27 4.65 5.07 5.51 5.90 6.21 6.42 75 3.71 3.99 4.35 4.79 5.32 5.92 6.53 7.07 7.47 80 3.72 4.02 4.40 4.88 5.51 6.27 7.13 7.99 8.71 85 3.73 4.03 4.43 4.95 5.63 6.54 7.64 8.88 10.04 90 3.73 4.04 4.44 4.98 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------6.72 8.03 9.63 11.33 -------------------------------------------------------------------------------------------

Nonrefund. AGE OF AGE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------- 55 $ 3.66 3.56 $ 3.71 $ 3.84 $ 3.95 $ 4.04 $ 4.10 $ 4.15 $ 4.18 60 3.65 3.84 4.02 4.20 4.34 4.46 4.54 4.59 65 3.71 3.95 4.20 4.45 4.68 4.88 5.02 5.12 70 3.76 4.03 4.35 4.69 5.04 5.36 5.62 5.81 75 3.80 4.10 4.46 4.89 5.38 5.87 6.32 6.66 80 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.14 4.54 5.05 5.66 6.35 7.05 7.66 85 3.83 4.17 4.59 5.15 5.87 6.76 7.76 8.73 90 3.84 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------4.63 5.22 6.02 7.07 8.35 9.76 -------------------------------------------------------------------------------------------

Nonrefund. AGE AGE OF AGE OF MALE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ------------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 55 $ 3.66 $ $3.61 $3.76 $3.90 $4.02 $4.11 $4.18 $4.23 $4.25 60 3.70 3.90 4.10 4.28 4.44 4.56 4.64 4.69 65 3.77 4.02 4.28 4.55 4.80 5.01 5.16 5.26 70 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.11 4.44 4.81 5.19 5.53 5.81 6.00 75 3.86 4.18 4.56 5.02 5.55 6.08 6.55 6.91 80 3.88 4.22 4.65 5.19 5.85 6.59 7.34 7.99 85 3.90 4.25 4.70 5.30 6.08 7.03 8.10 9.14 90 3.91 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------4.74 5.37 6.23 7.36 8.75 10.25 -----------------------------------------------------------------------------------------------

Nonrefund. AGE AGE OF AGE OF MALE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ------------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 55 $ $3.66 $ $3.82 $ $3.97 $ $4.09 $ $4.19 $ $4.26 $ $4.31 $ $4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Nonrefund. AGE AGE OF AGE OF MALE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ANNUITANT 50 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- --------------------------------------------------------------------------------------------------------- 55 $ 3.66 $ $3.55 $3.72 $3.89 $4.04 $4.17 $4.27 $4.35 $4.40 $4.42 60 3.61 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.04 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 4.47 4.64 4.77 4.86 4.92 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 3.65 3.90 4.17 4.47 4.78 5.06 5.30 5.46 5.57 70 3.89 4.19 4.54 4.94 5.34 3.69 3.95 4.27 4.65 5.07 5.51 5.90 6.21 6.42 75 3.71 3.99 4.35 4.79 5.32 5.92 6.53 7.07 7.47 80 3.72 4.02 4.40 4.88 5.51 6.27 7.13 7.99 8.71 85 3.73 4.03 4.43 4.95 5.63 6.54 7.64 8.88 10.04 90 3.73 4.04 4.44 4.98 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------6.72 8.03 9.63 11.33 ---------------------------------------------------------------------------------------------------------

Nonrefund. AGE AGE OF AGE OF MALE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ------------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 55 $ $3.52 $3.65 $3.78 $3.88 $3.97 $4.03 $4.07 $4.10 60 3.60 3.78 3.95 4.12 4.25 4.36 4.44 4.49 65 3.66 $ 3.82 $ 3.97 $ 3.88 4.12 4.35 4.57 4.76 4.90 4.99 70 3.71 3.96 4.26 4.58 4.91 5.21 5.46 5.63 75 3.74 4.02 4.36 4.77 5.22 5.68 6.10 6.43 80 3.76 4.06 4.44 4.91 5.48 6.13 6.78 7.35 85 3.78 4.09 $ 4.19 $ 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 4.49 5.01 5.68 6.51 7.43 8.35 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------3.78 4.10 4.52 5.08 5.82 6.79 7.99 9.30 -----------------------------------------------------------------------------------------------

Nonrefund. AGE OF FEMALE JOINT ANNUITANT AGE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ----------------------------------------------------------------------------------------- ANNUITANT 50 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- 55 $ $3.52 $3.67 $3.81 $3.94 $4.05 $4.14 $4.20 $4.24 $4.27 60 3.58 3.76 3.96 4.15 4.33 4.47 4.58 4.65 4.70 65 3.62 3.84 4.09 4.35 4.61 4.85 5.04 5.17 5.26 70 3.66 $ 3.82 $ 3.90 4.19 4.53 4.89 5.25 5.57 5.83 6.00 75 3.68 3.94 4.27 4.66 5.12 5.64 6.15 6.59 6.92 80 3.69 3.97 $ 4.09 $ 4.19 $ 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.18 4.32 4.76 5.31 5.97 6.70 7.42 8.01 85 3.70 3.99 4.35 4.82 5.44 6.23 7.19 8.24 9.22 90 3.71 4.00 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------5.52 6.41 7.57 8.95 10.41 ---------------- --------- --------- --------- --------- --------- --------- --------- --------- ---------

Nonrefund. AGE AGE OF AGE OF MALE FEMALE CONTINGENT ANNUITANT OF MALE ---------------------------------------------------------------------------- ------------------------------------------------------------------------------- ANNUITANT 55 60 65 70 75 80 85 90 ----------------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------- 55 $ 3.66 $ $3.56 $3.71 $3.84 $3.95 $4.04 $4.10 $4.15 $4.18 60 3.65 3.84 4.02 4.20 4.34 4.46 4.54 4.59 65 3.71 3.95 4.20 4.45 4.68 4.88 5.02 5.12 70 3.76 4.03 4.35 4.69 5.04 5.36 5.62 5.81 75 3.80 4.10 4.46 4.89 5.38 5.87 6.32 6.66 80 3.82 $ 3.97 $ 4.09 $ 4.19 $ 4.26 $ 4.31 $ 4.34 60 3.76 3.97 4.14 4.54 5.05 5.66 6.35 7.05 7.66 85 3.83 4.17 4.59 5.15 5.87 6.76 7.76 8.73 90 3.84 4.18 4.37 4.54 4.66 4.75 4.80 65 3.83 4.09 4.38 4.66 4.93 5.15 5.31 5.41 70 3.89 4.19 4.54 4.94 5.34 5.71 6.00 6.20 75 3.92 4.26 4.67 5.17 5.73 6.29 6.80 7.18 80 3.95 4.30 4.76 5.34 6.05 6.85 7.66 8.34 85 3.96 4.33 4.82 5.46 6.30 7.33 8.48 9.58 90 3.97 4.35 4.86 5.54 6.46 7.68 9.17 10.77 -----------------------------------------------------------------------------------------4.63 5.22 6.02 7.07 8.35 9.76 -----------------------------------------------------------------------------------------------