Common use of RIGHT TO EXAMINE CONTRACT Clause in Contracts

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received it. It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%). ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received it. It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%). ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029.FL-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received itit (the "Free Look Period"). It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Datecontract, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If This amount may be more or less than the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%)Single Purchase Payment. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029.FL-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received itit (the "Free Look Period"). It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Datecontract, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If This amount may be more or less than the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%)Single Purchase Payment. FIRST ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029-99-GRC TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received it. It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%). ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029.4-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... SPECIFICATIONS .................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received it. It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%). FIRST ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029-99-GRC TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received itit (the "Free Look Period"). It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Datecontract, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. This amount may be more or less than the Single Purchase Payment. If the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%). ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. You may return this contract within 90 days after you have received itit (the "Free Look Period"). It can be mailed or delivered either to us or the representative who sold it. If you return the contract within 10 days after you have received it ("the Free Look Period"), we will refund the Single Purchase Payment less the total amount of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Datecontract, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. If This amount may be more or less than the refund is not paid within thirty days from the date the contract is received by the Company or its authorized representative, the amount will be increased by ten percent (10%)Single Purchase Payment. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: 000 Xxxxxxx Xxxxxx, Xxxxxxxxx, Xxxxxxxxxxxxx 00000 Phone Number: 0-000-000-0000 This is a legal contract between you and the Company and is issued in consideration of the Single Purchase Payment shown on the Specifications page. The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts. Single Payment Immediate Variable and Fixed Annuity Annuity Payments Payable on the Annuity Income Date Death Benefit Payable if an Owner or an Annuitant Dies prior to Annuity Income Date This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 A3029-99 TABLE OF CONTENTS SPECIFICATIONS............................................................... SPECIFICATIONS ........................................................... 3