Common use of RIGHT TO CANCEL THIS CONTRACT Clause in Contracts

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation and annuity periods is not guaranteed and will increase or decrease based upon the investment experience of the investments underlying the Variable Account(s) You choose. Signed by the Company: /s/ Xxxxxxxxx Xxxxx /s/Xxx X. Xxxxxxx -------------------- ------------------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 7 PREMIUM ENHANCEMENT 7 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 INITIAL PREMIUM: $5,000 OWNER: XXXX XXX MINIMUM SUBSEQUENT PREMIUM: [$1,000] JOINT OWNER: XXXX XXX EFFECTIVE DATE: Xxxxx 0, 0000 XXXXXXXXX: XXXX XXX ANNUITY DATE: March 1, 2032 BENEFICIARY: XXXX XXX

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation Annuity payments and annuity periods is not guaranteed and will Contract Value may increase or decrease based upon depending on the investment experience of the investments underlying Variable Account identified on the Variable Account(s) You chooseContract Schedule. Signed by the Company: /s/ Xxxxxxxxx X. Xxxxx /s/Xxx /s/ Xxxx X. Xxxxxxx -------------------- ------------------- Xxxxx -------------------------------------- ---------------------------------------- Xxxxxxxxx X. Xxxxx Xxxx X. Xxxxx Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 7 PREMIUM ENHANCEMENT 7 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 11 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 INITIAL PREMIUM: $5,000 OWNER: XXXX XXX MINIMUM SUBSEQUENT PREMIUM: [$1,000] JOINT OWNER: XXXX XXX EFFECTIVE DATE: Xxxxx 0December 1, 0000 XXXXXXXXX2000 ANNUITANT: XXXX XXX ANNUITY DATE: March December 1, 2032 2030 BENEFICIARY: XXXX XXXXXX [CONTRACT MAINTENANCE CHARGE: [$30.00] each Contract Year. [Before the Annuity Date, this charge may be waived for each year that the Contract Value exceeds $50,000 on the Contract Anniversary.]

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation and annuity periods is not guaranteed and will increase or decrease based upon the investment experience of the investments underlying the Variable Account(s) You choose. Signed by the Company: /s/ Xxxxxxxxx Xxxxx Christine Nixon /s/Xxx X. Xxxxxxx -------------------- Jay S. Wxxxxxxx ------------------- ------------------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 7 PREMIUM ENHANCEMENT 7 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 INITIAL PREMIUM: $5,000 OWNER: XXXX XXX JOHN DOE MINIMUM SUBSEQUENT PREMIUM: [$1,000] JOINT OWNER: XXXX XXX JANE DOE EFFECTIVE DATE: Xxxxx 0Xxcember 1, 0000 XXXXXXXXX2000 ANNUITANT: XXXX XXX JOHN DOE ANNUITY DATE: March Xxcember 1, 2032 2030 BENEFICIARY: XXXX XXXJANE DOE

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation Annuity payments and annuity periods is not guaranteed and will Contract Value may increase or decrease based upon depending on the investment experience of the investments underlying Variable Account identified on the Variable Account(s) You chooseContract Schedule. Signed by the Company: /s/ /s/Xxxxxxxxx Xxxxx /s/Xxx X. Xxxxxxx -------------------- ------------------- ------------------ ----------------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 7 PREMIUM ENHANCEMENT 7 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 11 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 INITIAL PREMIUM: [$5,000 100,000] OWNER: XXXX XXX MINIMUM SUBSEQUENT PREMIUM: [$1,000] JOINT OWNER: XXXX XXX EFFECTIVE DATE: Xxxxx 0December 1, 0000 XXXXXXXXX2000 ANNUITANT: XXXX XXX ANNUITY DATE: March December 1, 2032 2030 BENEFICIARY: XXXX XXXXXX [SEPARATE ACCOUNT CHARGE: Equal on an annual basis to [1.00%] of the average daily net assets of the Variable Account.]

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation Annuity payments and annuity periods is not guaranteed and will Contract Value may increase or decrease based upon depending on the investment experience of the investments underlying Variable Account identified on the Variable Account(s) You chooseContract Schedule. Signed by the Company: /s/ Xxxxxxxxx Xxxxx /s/Xxx X. Xxxxxxx -------------------- ------------------- Christine Nixon /s/Jay S. Wintrob ------------------ ----------------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 7 PREMIUM ENHANCEMENT 7 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 11 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 INITIAL PREMIUM: $5,000 OWNER: XXXX XXX JOHN DOE MINIMUM SUBSEQUENT PREMIUM: [$1,0000,000] JOINT OWNER: XXXX XXX JANE DOE EFFECTIVE DATE: Xxxxx 0Xxxember 1, 0000 XXXXXXXXX2000 ANNUITANT: XXXX XXX JOHN DOE ANNUITY DATE: March Xxxember 1, 2032 2030 BENEFICIARY: XXXX XXXJANE DOE

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation Annuity payments and annuity periods is not guaranteed and will Contract Value may increase or decrease based upon depending on the investment experience of the investments underlying Variable Account identified in the Variable Account(s) You chooseContract Schedule. Signed by the Company: /s/ Xxxxxxxxx Xxxxx /s/Xxx X. Xxxxxxx -------------------- ------------------- Xxxx /s/ X X X'Xxxxxxx Xxxxxxxxx X. Xxxx X X X'Xxxxxxx Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 6 VARIABLE ACCOUNT 7 PREMIUM ENHANCEMENT GUARANTEED ACCOUNT 7 TRANSFERS 8 MARKET VALUE ADJUSTMENT 9 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE 14 VARIABLE ANNUITY OPTIONS TABLE 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 ( ) INITIAL PREMIUM: ($5,000 OWNER: 5,000) OWNER(S): (XXXX XXX XXX) MINIMUM SUBSEQUENT PREMIUM: [($1,000] JOINT OWNER) ANNUITANT: (XXXX XXX XXX) BENEFICIARY: (XXXX XXX) EFFECTIVE DATE: Xxxxx 0, 0000 XXXXXXXXX: XXXX XXX ( ) ANNUITY DATE: March 1, 2032 BENEFICIARY: XXXX XXX( )

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value less any Premium Enhancement and any fees paid as of the date of return; this may be more or less than the Premium paid. For Individual Retirement Annuities, a refund of the Premium(s) may be required. Therefore, We reserve the right to allocate Your Premium(s) and any Premium Enhancement to the Money Market Portfolio until the end of the Right To Cancel period. Thereafter, allocations will be made as shown on the application. This is a variable annuity contract. The value of amounts allocated to the Separate Account during the accumulation Annuity payments and annuity periods is not guaranteed and will Contract Value may increase or decrease based upon depending on the investment experience of the investments underlying Variable Account identified in the Variable Account(s) You chooseContract Schedule. Signed by the Company: /s/ Xxxxxxxxx Xxxxx /s/Xxx X. Xxxx /s Xxxxxx Xxxxxxx -------------------- ------------------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 5 OWNERSHIP PROVISIONS 6 BENEFICIARY PROVISIONS 6 PREMIUM PROVISIONS 6 VARIABLE ACCOUNT 7 PREMIUM ENHANCEMENT GUARANTEED ACCOUNT 7 TRANSFERS 8 CONTRACT CHARGES 7 VARIABLE ACCOUNT 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 ANNUITY PROVISIONS 10 ANNUITY OPTIONS 10 DEATH BENEFIT 12 SURRENDER PROVISIONS 13 DELAY OF PAYMENTS 13 FIXED ANNUITY OPTIONS TABLE OPTION TABLES 14 VARIABLE ANNUITY OPTIONS TABLE OPTION TABLES 15 CONTRACT SCHEDULE CONTRACT NUMBER: 5678 ( ) INITIAL PREMIUM: ($5,000 OWNER: 10,000) OWNER(S): (XXXX XXX XXX) MINIMUM SUBSEQUENT PREMIUM: [($1,000] JOINT OWNER) ANNUITANT: (XXXX XXX XXX) BENEFICIARY: (XXXX XXX) EFFECTIVE DATE: Xxxxx 0, 0000 XXXXXXXXX: XXXX XXX ( ) ANNUITY DATE: March 1, 2032 BENEFICIARY: XXXX XXX( )