Common use of Premium Taxes Clause in Contracts

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · [after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; ;] · [withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been confined to an accredited nursing home for 30 daysdays or longer, and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; ] · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · [withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; ;] or · withdrawals as defined under the “Free Withdrawals” section below. [The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.]

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawalsWithdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawalWithdrawal, at the time any death benefit Death Benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes Premium Taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract SpecificationsWithdrawal Charge, if applicable. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal Withdrawal is made in. We will not apply the withdrawal charge Withdrawal Charge on: · [Compliant Withdrawal amounts allowable on Rider;] · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from annuitized with us; · withdrawals [Withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant has been confined to in the case of a Non-Natural Owner, is in an accredited nursing home for 30 days, days or longer and was not confined to the in a nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver Nursing Home Confinement Waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge Withdrawal Charge while it is in force; ;] · withdrawals to [Withdrawals that meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; ] · withdrawals [Withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with required medical evidence satisfactory to usevidence. This is referred to as a terminal illness waiver Terminal Illness Waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge Withdrawal Charge while it is in force; ;] or · withdrawals Withdrawals as defined under the “Free Withdrawals” section belowsection. [The request to waive the Withdrawal Charge must be in writing and include applicable required medical evidence satisfactory to usevidence. If the request to waive the Withdrawal Charge is denied by us, the withdrawal Withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal Withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract YearCharges.]

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 60 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. ICC10:10-1185-L Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, five (5) years plus 100% of all remaining Purchase Payments that have an “age” greater than of five (5) years or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specificationsmore. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner Annuitant or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Ownersfirst Owner; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value Purchase Payments are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which the length of time each Purchase Payment has been allocated to the Contract Year and on the withdrawal is made inamount withdrawn. We will not apply the withdrawal charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, • if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 60 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. 10-2185-L Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specificationsfive (5) years, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than of five (5) years or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specificationsmore. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — – We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — – Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been confined to an accredited nursing home for 30 daysdays or longer, and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — – The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — – During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been confined to an accredited nursing home for 30 daysdays or longer, and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. ICC12:10-1252 The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — – We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — – Withdrawals from the Contract Value are subject to a withdrawal charge Withdrawal Charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made inoccurs. We will not apply the withdrawal charge Withdrawal Charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, days or longer and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge withdrawal charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge Withdrawal Charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge Withdrawal Charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 daysdays or more, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract YearCharges.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge Withdrawal Charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made inoccurs. We will not apply the withdrawal charge Withdrawal Charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, days or longer and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. 10-1221 13 The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract YearCharges.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · • distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · • after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · • withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 60 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · • withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · • withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · • withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. ICC10:10-1185 Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specificationsseven (7) years, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than of seven (7) years or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specificationsmore. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · [after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; ;] · [withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been confined to an accredited nursing home for 30 daysdays or longer, and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; .] · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · [withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; ;] or · withdrawals as defined under the “Free Withdrawals” section below. [The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.]

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) )— Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity Date, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; · withdrawals after 90 days from the Contract Date if the Owner or Annuitant has been confined to an accredited nursing home for 30 days, and was not confined to the nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · withdrawals after the first Contract Anniversary, if the Owner or Annuitant has been diagnosed as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; or · withdrawals as defined under the “Free Withdrawals” section below. The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawal, at the time any death benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes paid on this Contract. Other Taxes — We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) )— Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract Specifications. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal is made in. We will not apply the withdrawal charge on: · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · [after the first Contract Year, if the Contract Value is applied to provide an annuity option from us; ;] · [withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been confined to an accredited nursing home for 30 daysdays or longer, and was not confined to the nursing home on the Contract Date. Confinement The confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; .] · withdrawals to meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · [withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with medical evidence satisfactory to us. This is referred to as a terminal illness waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge while it is in force; ;] or · withdrawals as defined under the “Free Withdrawals” section below. [The request to waive the Withdrawal Charge must be in writing and include applicable medical evidence satisfactory to us. If the request to waive the Withdrawal Charge is denied by us, the withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract Year.]

Premium Taxes. From the Contract Value, we will deduct a charge for any taxes we pay that are attributable to Purchase Payments or withdrawalsWithdrawals. Such taxes may include, but are not limited to: any federal, state or local premium or retaliatory taxes; and any federal, state or local income, excise, business or any other type of tax (or component thereof), measured by or based upon, directly or indirectly, the amount of Purchase Payments we receive from you. We will normally deduct this charge upon annuitization. However, we may impose this charge on any withdrawalWithdrawal, at the time any death benefit Death Benefit is paid, when the taxes are incurred or when we pay the taxes. We will base this charge on the Contract Value, the amount of the transaction, the aggregate amount of Purchase Payments we receive under the Contract; or any other amount that, in our sole discretion, we deem appropriately reimburses us for premium taxes Premium Taxes paid on this Contract. Other Taxes — – We reserve the right to charge the Separate Account and/or deduct from the Contract Value a charge for any federal, state or local taxes we pay that are or become attributable to the Separate Account or Contract, including, but not limited to, income taxes attributable to our operation of the Separate Account or to our operations with respect to the Contract, or taxes attributable, directly or indirectly, to Purchase Payments or payments we make under this Contract. Withdrawal Charge (Contingent Deferred Sales Charge) — – Withdrawals from the Contract Value are subject to a withdrawal charge which is shown in the Contract SpecificationsWithdrawal Charge, if applicable. This charge may apply to amounts withdrawn under the Contract prior to the Annuity Date, depending on which Contract Year the withdrawal Withdrawal is made in. We will not apply the withdrawal charge Withdrawal Charge on: · [Compliant Withdrawal amounts allowable on Rider;] · distributions resulting from the death of the first Owner or the sole surviving Annuitant before the Annuity DateOwner, except as provided under the Death of Owner provision for certain Non-Natural Owners; · after the first Contract Year, if the Contract Value is applied to provide an annuity option from annuitized with us; · withdrawals [Withdrawals after 90 days from the Contract Date if the Owner Owner, or Annuitant has been confined to in the case of a Non-Natural Owner, is in an accredited nursing home for 30 days, days or longer and was not confined to the in a nursing home on the Contract Date. Confinement period for which you seek the waiver must begin after the Contract Date. This is referred to as a nursing home confinement waiver Nursing Home Confinement Waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge Withdrawal Charge while it is in force; ;] · withdrawals to Withdrawals that meet required minimum distributions for Qualified Contracts as they apply to amounts held under the Contract; · withdrawals [Withdrawals after the first Contract Anniversary, if the Owner Owner, or Annuitant in the case of a Non-Natural Owner, has been diagnosed on or after the Contract Date as having a medically determinable condition that results in a life expectancy of twelve (12) months or less and we are provided with required medical evidence satisfactory to usevidence. This is referred to as a terminal illness waiver Terminal Illness Waiver in the Contract Specifications. If this Contract is terminated in accordance with its provisions, the termination shall not prejudice this waiver of withdrawal charge Withdrawal Charge while it is in force; ;] or · withdrawals Withdrawals as defined under the “Free Withdrawals” section belowsection. [The request to waive the Withdrawal Charge must be in writing and include applicable required medical evidence satisfactory to usevidence. If the request to waive the Withdrawal Charge is denied by us, the withdrawal Withdrawal request shall not be processed until the Owner is notified of the denial and provided with the opportunity to accept or reject the withdrawal Withdrawal request, including any withdrawal charges. Amount of Withdrawal Charge — The amount of a withdrawal charge depends on how long the Purchase Payments are held under this Contract. Each Purchase Payment you make is considered to have a certain “age,” depending on the length of time since that Purchase Payment was effective. A Purchase Payment is “age one” from the day it was effective until the next Contract Anniversary and increases in “age” on that and each succeeding Contract Anniversary. When you withdraw an amount, the “age” of any Purchase Payment you withdraw determines the level of withdrawal charge as shown in the Contract Specifications. For purposes of calculating the withdrawal charge, we assume that amounts withdrawn will be applied to Purchase Payments first and in the order the Purchase Payments were received. The withdrawal charge will be deducted proportionately from each Investment Option selected for withdrawal. Free Withdrawals — During a Contract Year, you may withdraw free of withdrawal charges amounts up to the sum of your earnings plus your “Eligible Purchase Payments”. Eligible Purchase Payments include 10% of all remaining Purchase Payments at the beginning of a Contract Year that have an “age” of less than the Free Withdrawal Contract Year Age as shown in the Contract Specifications, plus 10% of any Purchase Payments received by us during that Contract Year, plus 100% of all remaining Purchase Payments that have an “age” greater than or equal to the Free Withdrawal Contract Year Age as shown in the Contract Specifications. Any portion of your Eligible Purchase Payments not withdrawn during a Contract Year may not be carried over to the next Contract YearCharges.]