Common use of Right to Examine Clause in Contracts

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Annuity Provisions Page 16 General Provisions Page 17 Annuity Income Payment Options Page 20 Fixed Annuity Income Payment Options Table Page 21 Variable Annuity Income Payment Options Table Page 24

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract or Your written request to cancel to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the ContractContract or Your written request to cancel is received by Us in good order. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Annuity Provisions Page 16 General Provisions Page 17 18 Annuity Income Payment Options Page 20 21 Fixed Annuity Income Payment Options Table Page 21 22 Variable Annuity Income Payment Options Table Page 2425

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 11 Withdrawal Provisions Page 11 Annuity Provisions Page 16 General Provisions Page 17 18 Annuity Income Payment Options Page 20 21 Fixed Annuity Income Payment Options Table Page 21 22 Variable Annuity Income Payment Options Table Page 2425

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 7 Accumulation Provisions Page 8 Charges and Deductions Page 10 9 Transfer Provisions Page 10 Withdrawal Provisions Page 11 10 Annuity Provisions Page 16 15 General Provisions Page 17 16 Annuity Income Payment Options Page 20 19 Fixed Annuity Income Payment Options Table Page 21 Variable 20 Contract Number: Annuity Income Payment Options Table Page 24Service Center: Annuitant: Specified Annuity Date: Current Interest Rate for Fixed Account

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Death Provisions Page 12 Annuity Provisions Page 16 General Provisions Page 17 Annuity Income Payment Options Page 20 21 Fixed Annuity Income Payment Options Table Page 21 22 Variable Annuity Income Payment Options Table Page 2425

Right to Examine. If, within 10 days of receipt of this Contract (60 days if the Contract replaced any other life insurance or annuity contract(s)) You are not satisfied with it, You may return this Contract to Our Annuity Service Center or to the agent through whom the Contract was purchased. The Company will refund the Purchase Payment or the Contract Value, whichever is greater, computed as of the business day during which we receive the Contract. Upon such refund, the Contract shall be void. Definitions Page 5 Purchase Payment Provisions Page 8 Accumulation Provisions Page 8 Charges and Deductions Page 10 Transfer Provisions Page 10 Withdrawal Provisions Page 11 Death Provisions Page 12 Annuity Provisions Page 16 General Provisions Page 17 Annuity Income Payment Options Page 20 Fixed Annuity Income Payment Options Table Page 21 Variable Annuity Income Payment Options Table Page 24