Common use of TABLE OF GUARANTEED VALUES Clause in Contracts

TABLE OF GUARANTEED VALUES. Your Values will never be less than shown here if You pay Your Initial Premium at issue, pay additional Planned Premium Amounts as You indicated on Your Application, and don’t take any Withdrawals. The Cash Surrender Value is calculated as described on Page 8 and equals the greater of the Contract Value less Surrender Charges or the Minimum Guaranteed Surrender Value. The Death Benefit equals the greater of the Contract Value or Minimum Guaranteed Surrender Value. 1 $ 20,000 $ 18,400 $ 20,000 2 4,000 22,320 24,000 3 4,000 26,320 28,000 4 4,000 32,000 32,000 5 4,000 36,000 36,000 6 4,000 40,000 40,000 7 4,000 44,000 44,000 8 4,000 48,000 48,000 9 4,000 52,000 52,000 10 4,000 56,000 56,000 11 4,000 60,000 60,000 12 4,000 64,000 64,000 13 4,000 68,000 68,000 14 4,000 72,132 72,132 15 4,000 76,767 76,767 16 4,000 81,471 81,471 17 4,000 86,245 86,245 18 4,000 91,091 91,091 19 4,000 96,010 96,010 20 4,000 101,003 101,003 25 4,000 127,112 127,112 30 4,000 155,239 155,239 Maturity $ 156,000 $ 185,540 185,540 Minimum Guaranteed Surrender Value at Maturity: $185,540 These values are based on the following: Total Initial Premium: $20,000.00 Planned Premium Amount: $4,000.00 Planned Premium Mode: Annual

TABLE OF GUARANTEED VALUES. Your Values will never be less than shown here if You pay Your Initial Premium at issue, pay additional Planned Premium Amounts as You indicated on Your Application, and don’t take any Withdrawals. The Cash Surrender Value is calculated as described on Page 8 and equals the greater of the Contract Value less Surrender Charges or the Minimum Guaranteed Surrender Value. The Death Benefit equals the greater of the Contract Value or Minimum Guaranteed Surrender Value. 1 $ 20,000 $ 18,400 $ 20,000 2 4,000 22,320 24,000 3 4,000 26,320 28,000 4 4,000 32,000 30,400 32,000 5 4,000 36,000 34,560 36,000 6 4,000 40,000 40,000 7 4,000 44,000 44,000 8 4,000 48,000 48,000 9 4,000 52,000 52,000 10 4,000 56,000 56,000 11 4,000 60,000 60,000 12 4,000 64,000 64,000 13 4,000 68,000 68,000 14 4,000 72,132 72,132 15 4,000 76,767 76,767 16 4,000 81,471 81,471 17 4,000 86,245 86,245 18 4,000 91,091 91,091 19 4,000 96,010 96,010 20 4,000 101,003 101,003 25 4,000 127,112 127,112 30 4,000 155,239 155,239 Maturity $ 156,000 $ 185,540 $ 185,540 Minimum Guaranteed Surrender Value at Maturity: $185,540 These values are based on the following: Total Initial Premium: $20,000.00 Planned Premium Amount: $4,000.00 Planned Premium Mode: Annual

TABLE OF GUARANTEED VALUES. Your Values will never be less than shown here if You pay Your Initial Premium at issue, pay additional Planned Premium Amounts as You indicated on Your Application, and don’t take any Withdrawals. The Cash Surrender Value is calculated as described on Page 8 7 and equals the greater of the Contract Value less Surrender Charges or the Minimum Guaranteed Surrender Value. The Death Benefit equals the greater of the Contract Value or Minimum Guaranteed Surrender Value. 1 $ 20,000 $ 18,400 $ 20,000 2 4,000 22,320 24,000 3 4,000 26,320 28,000 4 4,000 32,000 30,400 32,000 5 4,000 36,000 34,560 36,000 6 4,000 40,000 40,000 7 4,000 44,000 44,000 8 4,000 48,000 48,000 9 4,000 52,000 52,000 10 4,000 56,000 56,000 11 4,000 60,000 60,000 12 4,000 64,000 64,000 13 4,000 68,000 68,000 14 4,000 72,132 72,132 15 4,000 76,767 76,767 16 4,000 81,471 81,471 17 4,000 86,245 86,245 18 4,000 91,091 91,091 19 4,000 96,010 96,010 20 4,000 101,003 101,003 25 4,000 127,112 127,112 30 4,000 155,239 155,239 Maturity $ 156,000 $ 185,540 $ 185,540 Minimum Guaranteed Surrender Value at Maturity: $185,540 These values are based on the following: Total Initial Premium: $20,000.00 Planned Premium Amount: $4,000.00 Planned Premium Mode: Annual

TABLE OF GUARANTEED VALUES. Your Values will never be less than shown here if You pay Your Initial Premium at issue, pay additional Planned Premium Amounts as You indicated on Your Application, and don’t take any Withdrawals. The Cash Surrender Value is calculated as described on Page 8 7 and equals the greater of the Contract Value less Surrender Charges or the Minimum Guaranteed Surrender Value. The Death Benefit equals the greater of the Contract Value or Minimum Guaranteed Surrender Value. 1 $ 20,000 $ 18,400 $ 20,000 2 4,000 22,320 24,000 3 4,000 26,320 28,000 4 4,000 32,000 32,000 5 4,000 36,000 36,000 6 4,000 40,000 40,000 7 4,000 44,000 44,000 8 4,000 48,000 48,000 9 4,000 52,000 52,000 10 4,000 56,000 56,000 11 4,000 60,000 60,000 12 4,000 64,000 64,000 13 4,000 68,000 68,000 14 4,000 72,132 72,132 15 4,000 76,767 76,767 16 4,000 81,471 81,471 17 4,000 86,245 86,245 18 4,000 91,091 91,091 19 4,000 96,010 96,010 20 4,000 101,003 101,003 25 4,000 127,112 127,112 30 4,000 155,239 155,239 Maturity $ 156,000 $ 185,540 185,540 Minimum Guaranteed Surrender Value at Maturity: $185,540 These values are based on the following: Total Initial Premium: $20,000.00 Planned Premium Amount: $4,000.00 Planned Premium Mode: Annual