Common use of SPOUSAL CONTINUATION UPON DEATH OF OWNER Clause in Contracts

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary and such surviving spouse elects to continue the contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions of the Separate Account in proportion to the Accumulation Value in the Separate Account. If there is no Accumulation Value in the Separate Account, the addition will be allocated to the Liquid Assets division, or its successor. (b) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c) At subsequent surrender, any surrender charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender charge. This addition to Accumulation Value is available only to the spouse of the owner as of the date of death of the owner if such spouse under the provisions if this contract elects to continue the contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct a charge from the assets in each separate account division on a daily basis at a rate of [0.004002%] (equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions of the Contract to which this Endorsement is attached remain unchanged. /s/Barnett Chernow Signed: -------------------- Barnett Xxxxxxx

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary and such surviving spouse elects to continue the contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions of the Separate Account in proportion to the Accumulation Value in the Separate Account. If there is no Accumulation Value in the Separate Account, the addition will be allocated to the Liquid Assets division, or its successor. (b) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c) At subsequent surrender, any surrender charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender charge. This addition to Accumulation Value is available only to the spouse of the owner as of the date of death of the owner if such spouse under the provisions if this contract elects to continue the contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct a charge from the assets in each separate account division on a daily basis at a rate of [0.004002%] (equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions of the Contract to which this Endorsement is attached remain unchanged. /s/Barnett Chernow Signed: -------------------- Barnett XxxxxxxChernox

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary Beneficiary and such surviving spouse elects to continue the contract Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a) If the Guaranteed greater of (ii) and (iv) in the Death Benefit provision as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions of the Separate Account in the same proportion as the Accumulation Value in each division bears to the Accumulation Value in the Separate Account. If there is no Accumulation Value in the Separate Account, the addition will be allocated to the Liquid Assets Asset division, or its successor. (b) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c) At subsequent surrender, any surrender charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender charge. This addition to Accumulation Value is available only to the spouse of the owner Owner as of the date of death of the owner Owner if such spouse under the provisions if this contract Contract elects to continue the contract Contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge ----------------------------- MORTALITY AND EXPENSE RISK CHARGE - We deduct a charge from the assets in each separate account Separate Account division on a daily basis at a rate of not more than [0.0040020.004697%] (equivalent to an annual maximum rate of [1.451.70%]) for mortality and expense risks. The charge is not deducted from the fixed account Fixed Account or general account General Account accumulation values. RESTRICTED FUNDS Restricted Funds are subject to limits as to amounts which may be invested or transferred into such divisions. The designation of a division as a Restricted Fund may be changed upon 30 days notice to the Owner with regard to future transfers and premium payments into such division. When a new division is made available it may be designated as a Restricted Fund. If so designated, the rules regarding its restrictions will be sent to the Owner. Also listed below are the total Contract limits for Restricted Funds. Listed below are the total Contract limits for Restricted Funds. THRESHOLDS -------------------------------------------------------------------------------- MAXIMUM ALLOCATION % OF MAXIMUM ACCUMULATION VALUE PREMIUM % DOLLAR CAP ------------------ --------- ---------- Contract Limits [30%] [99.999%] [$9,999,999] THRESHOLDS ---------- Each Restricted Fund has one or more thresholds at which point no further amounts may be allocated to that division. Compliance with a threshold is verified whenever there is a transaction initiated which is subject to such threshold (premium payments, transfers, withdrawals). A threshold is applied to the total Accumulation Value of each Restricted Fund. Thresholds may be changed by the Company for new premiums, transfers or withdrawals by Restricted Fund upon 30 day notice. 100 DOLLAR CAP ---------- The Dollar Cap is the dollar amount at which no further Accumulation Value may be added to Restricted Funds. PREMIUM THRESHOLD ----------------- The threshold for premium by Restricted Fund limits the amount of any premium which may be allocated to that division. Should a request for allocation to a Restricted Fund exceed the limit in effect for that division or for the Contract, any excess over that amount shall be allocated prorata to any non-Restricted Fund(s) in which the Contract is then invested. Should the Contract not be invested in other non-Restricted Funds, the excess will be invested in the Specially Designated Division, unless we receive written instructions to do otherwise. Premium allocations must also satisfy the Allocation Threshold. ALLOCATION THRESHOLD -------------------- Allocations into a Restricted Fund are limited to that amount such that the Accumulation Value in that Restricted Fund after such allocation does not exceed the threshold for that division and does not cause the Contract's total limit on allocation to Restricted Funds to be exceeded. If the amount of an allocation would cause either limit to be exceeded, the allocation will only be executed to the extent the lower limit would allow. Allocations from a Restricted Fund will be allowed even if the amount remaining in the Restricted Fund after an allocation exceeds the Allocation Threshold. If a program of allocations over time is authorized by us, verification of the threshold will be performed at the initiation of such program. If such program is modified at a later date, a testing of thresholds will be done at that time. THRESHOLDS - EFFECT ON WITHDRAWALS ---------------------------------- If a withdrawal is requested while any Accumulation Value is allocated to Restricted Funds and the Allocation Threshold percentage is currently exceeded, the percentage for funds invested in Restricted Funds for the total Contract, after taking into account the withdrawal, may not be higher than prior to the withdrawal. Should the calculated effect of a withdrawal result in the total Contract threshold being exceeded, the excess portion of the withdrawal will be processed prorata from all variable divisions. Systematic withdrawals, while the Contract has investments in Restricted Funds, if not withdrawn prorata from all divisions, shall be monitored annually to assure threshold compliance. Should the effect of such withdrawals cause a Restricted Fund to exceed its threshold, the divisions from which the withdrawals are processed may be adjusted to assure that the percentage of Accumulation Value in the Restricted Funds does not increase. THRESHOLD PROCESSING -------------------- For the purpose of calculating any thresholds, the values for the divisions will be determined using the prior day's closing index of investment experience. All other provisions of the Contract to which this Endorsement is attached remain unchanged. /s/Barnett Chernow Signed: -------------------- Barnett Xxxxxxx/s/ Xxxxxxx Xxxxxxx ----------------- Xxxxxxx Xxxxxxx 101

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary Beneficiary and such surviving spouse elects to continue the contract Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a) If the Guaranteed greater of (ii) and (iv) in the Death Benefit provision as of the date we receive due proof of death of the Owner, Owner minus the Accumulation Value, also as of that date, is greater than zero zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions Divisions of the Separate Account in the same proportion as the Accumulation Value in each Division bears to the Accumulation Value in the Separate Account. If there is no Accumulation Value in the Separate Account, the addition will be allocated to the Liquid Assets divisionAsset Division, or its successor. (b) The Guaranteed Death Benefit and the Maximum Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c) At subsequent surrender, any surrender charge Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender chargeSurrender Charge. This addition to Accumulation Value is available only to the spouse of the owner Owner as of the date of death of the owner Owner if such spouse under the provisions if of this contract Contract elects to continue the contract Contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct CHOOSING AN INCOME PLAN Required Date of Annuity Commencement Distributions from a charge from the assets in each separate account division on Contract funding a daily basis at a rate of [0.004002%] (equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions qualified plan must commence no later than April 1st of the calendar year following the calendar year in which the Owner attains age 70 1/2. Otherwise, the Annuity Commencement Date may be no later than the Contract to which this Endorsement Processing Date in the month following the Annuitant's 90th birthday. In applying the Accumulation Value, we may first collect any Premium Taxes due us. If, on the Annuity Commencement Date, a Surrender Charge remains, your elected Annuity Option must include a period certain of at least five years duration. Minimum Annuity Income Payment The minimum monthly annuity income payment that we will make is attached remain unchanged[$20]. /s/Barnett Chernow Signed: -------------------- Barnett XxxxxxxGA-IA-1083 3D5 THE SCHEDULE CONTRACT FACTS (continued) ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------| OPTIONAL BENEFIT RIDERS - [None] ATTAINED AGE The Issue Age of the Annuitant or Owner plus the number of full years elapsed since the Contract Date.

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary Beneficiary and such surviving spouse elects to continue the contract Certificate as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a1) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in the Separate Accountall such Divisions. If there is no Accumulation Value in the Separate Accountany Division then available, the addition will be allocated to the Liquid Assets division, or its successorSpecially Designated Division. (b2) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c3) At subsequent surrender, any surrender charge Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender chargeSurrender Charge. This addition to Accumulation Value is available only to IU-MP-3014 21 BENEFIT OPTION PACKAGES (continued) -------------------------------------------------------------------------------- Non Spousal Continuation upon Death of Owner If, at the Owner's death, the non spouse beneficiary of the owner as of the date of death of the owner if such spouse under the provisions if this contract deceased Owner elects to continue the contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct a charge from Certificate for the assets in each separate account division on a daily basis at a rate purpose of [0.004002%] (taking distributions pursuant to Internal Revenue Code Section 72(s) or the equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions of U.S. Treasury Department rules for qualified plans, the Contract to which this Endorsement is attached remain unchanged. /s/Barnett Chernow Signed: -------------------- Barnett Xxxxxxxfollowing will apply:

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary Beneficiary and such surviving spouse elects to continue the contract Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a1) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in the Separate Accountall such Divisions. If there is no Accumulation Value in the Separate Accountany Division then available, the addition will be allocated to the Liquid Assets division, or its successorSpecially Designated Division. (b2) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c3) At subsequent surrender, any surrender charge Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender chargeSurrender Charge. This addition to Accumulation Value is available only to IU-IA-3014 20 BENEFIT OPTION PACKAGES (continued) -------------------------------------------------------------------------------- Non Spousal Continuation upon Death of Owner If, at the Owner's death, the non spouse beneficiary of the owner as of the date of death of the owner if such spouse under the provisions if this contract deceased Owner elects to continue the contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct a charge from Contract for the assets in each separate account division on a daily basis at a rate purpose of [0.004002%] (taking distributions pursuant to Internal Revenue Code Section 72(s) or the equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions of U.S. Treasury Department rules for qualified plans, the Contract to which this Endorsement is attached remain unchanged. /s/Barnett Chernow Signed: -------------------- Barnett Xxxxxxxfollowing will apply:

SPOUSAL CONTINUATION UPON DEATH OF OWNER. If at the Owner's death, the surviving spouse of the deceased Owner is the beneficiary Beneficiary and such surviving spouse elects to continue the contract Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (a) If the Guaranteed greater of (ii) and (iv) in the Death Benefit provision as of the date we receive due proof of death of the Owner, Owner minus the Accumulation Value, also as of that date, is greater than zero zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the divisions Divisions of the Separate Account in the same proportion as the Accumulation Value in each Division bears to the Accumulation Value in the Separate Account. If there is no Accumulation Value in the Separate Account, the addition will be allocated to the Liquid Assets divisionAsset Division, or its successor. (b) The Guaranteed Death Benefit and the Maximum Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (c) At subsequent surrender, any surrender charge Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender chargeSurrender Charge. This addition to Accumulation Value is available only to the spouse of the owner Owner as of the date of death of the owner Owner if such spouse under the provisions if of this contract Contract elects to continue the contract Contract as their own. DEDUCTIONS FROM THE DIVISIONS Mortality and Expense Risk Charge - We deduct CHOOSING AN INCOME PLAN Required Date of Annuity Commencement Distributions from a charge from the assets in each separate account division on Contract funding a daily basis at a rate of [0.004002%] (equivalent to an annual rate of [1.45%]) for mortality and expense risks. The charge is not deducted from the fixed account or general account accumulation values. All other provisions qualified plan must commence no later than April 1st of the calendar year following the calendar year in which the Owner attains age 70 1/2. Otherwise, the Annuity Commencement Date may be no later than the Contract to which this Endorsement Processing Date in the month following the Annuitant's 90th birthday. In applying the Accumulation Value, we may first collect any Premium Taxes due us. If, on the Annuity Commencement Date, a Surrender Charge remains, your elected Annuity Option must include a period certain of at least five years duration. Minimum Annuity Income Payment The minimum monthly annuity income payment that we will make is attached remain unchanged[$20]. /s/Barnett Chernow Signed: -------------------- Barnett XxxxxxxGA-IA-1083 3D5 THE SCHEDULE CONTRACT FACTS (continued) ------------------------------------------------------------------------------ |-----------------------------------------------------------------------------| | Annuitant Owner | | [XXXXXX X. XXX] [XXXX X. XXX] | |-----------------------------------------------------------------------------| | Initial Premium Annuity Option Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | | ----------------------------------------------------------------------------| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] | |-----------------------------------------------------------------------------| OPTIONAL BENEFIT RIDERS - [None] ATTAINED AGE The Issue Age of the Annuitant or Owner plus the number of full years elapsed since the Contract Date.