Common use of Policy Protection Rider Clause in Contracts

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life Amendment 6 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life Swiss Re Amendment 6 9 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 7115388072) (FEIN 3906-10525980974148) AND THE CANADA SWISS RE LIFE ASSURANCE COMPANY & HEALTH AMERICA INC. (NAIC No. 8065982627) (FEIN 3806-03974200839705) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life Amendment 6 3 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 7115388072) (FEIN 3906-10525980974148) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life Swiss Re Amendment 6 10 -- Effective 10/03/2011 10/15/2012 AMENDMENT 11 EFFECTIVE JULY 16, 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESBETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND SWISS RE LIFE & HEALTH AMERICA INC. ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life Amendment 6 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM 03/01/2012 SCHEDULE B REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) SPECIFICATIONS EFFECTIVE DATE: OCTOBER MARCH 1, 2008 ARTICLES2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life Amendment 6 5 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM 03/01/2012 SCHEDULE B REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) SPECIFICATIONS EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESMARCH 1,2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life Amendment 6 3 -- Effective 10/03/2011 AMENDMENT 4 EFFECTIVE OCTOBER 1, 2008 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS EFFECTIVE OCTOBER 1, 2008 ("EFFECTIVE DATE") BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598"CEDING COMPANY") AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659"REINSURER") (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES"AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life Amendment 6 8 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM 03/01/2012 SCHEDULE B REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) SPECIFICATIONS EFFECTIVE DATE: OCTOBER MARCH 1, 2008 ARTICLES2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life Amendment 6 5 -- Effective 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM 03/01/2012 SCHEDULE B REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) SPECIFICATIONS EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESMARCH 1,2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC and Canada Life TLIC Amendment 6 13 -- Effective 10/03/2011 10/15/2012 AMENDMENT 14 EFFECTIVE JULY 16, 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153"CEDING COMPANY") AND TRANSAMERICA LIFE INSURANCE COMPANY ("REINSURER") (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES"AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 8 -- Effective 10/03/2011 Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life TFLIC Amendment 6 8 -- Effective 10/03/2011 AMENDMENT 9 EFFECTIVE OCTOBER 1, 2008 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESBETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life Swiss Re Amendment 6 7 -- Effective 10/03/2011 AMENDMENT 8 EFFECTIVE MARCH 1, 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESBETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND SWISS RE LIFE & HEALTH AMERICA INC. ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Estate Tax Repeal Rider: Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option Rider. Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLAIC HLIC and Canada Life TFLIC Amendment 6 11 -- Effective 10/03/2011 10/15/2012 AMENDMENT 12 EFFECTIVE JULY 16, 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLESBETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")