Common use of WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE Clause in Contracts

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive days starting after the Issue Date shown on the Contract Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Center. Withdrawals under this provision may reduce Remaining Premium. The availability of access to guarantees or values is not intended to provide long-term care or nursing home insurance. This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the amount withdrawn or in the circumstances of multiple confinements for the same or a different medical condition and/or Joint Owners. For the purpose of this waiver, the following definitions apply: Hospital. A facility that: 1. is located within the United States or its territories; 2. operates primarily for the inpatient care and treatment of sick and injured persons; 3. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 4. is supervised by a staff of licensed physicians; and 5. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis. Immediate Family - means the individual's spouse, domestic partner, child, brother, sister, parent, or grandparent. Medically Necessary - means consistent with Your diagnosis in accordance with accepted standards of medical practice without which Your medical condition would be adversely affected.

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are the Owner is confined as an inpatient in to a Nursing Home or Hospital for ninety (90) consecutive days starting after days, a period during which the Issue Date shown on the Contract Data PagesWithdrawal Charge otherwise would normally apply, the Company will waive the Withdrawal Charge on the amount any amounts You withdraw request withdrawn from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on under this provision. The amount(s) You request withdrawn from the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Center. Withdrawals under this provision may will not reduce Remaining Premium. The availability Withdrawals made pursuant to this provision shall not exceed $250,000. If Your Contract Value is less than $250,000, You may withdraw 100% of access the Contract Value. Withdrawals will be taken from the Separate Account Contract Value and the Fixed Account Contract Value as stated in the Withdrawal Provisions of this Contract. A withdrawal from the Fixed Account Option(s) may be subject to guarantees or values is not intended to provide long-term care or nursing home insurancean Interest Rate Adjustment. This Waiver may mean an increase or decrease in the amount of Withdrawal Charge for Extended Care is available Your benefit. You can utilize a claim under this benefit only once, no matter regardless of the amount withdrawn or in the circumstances of multiple confinements subsequent confinement for the same condition or the occurrence of a different medical condition and/or Joint Ownerscondition. For the purpose of this waiverbenefit, the following definitions apply:  Hospital. A facility that: 1. is located within the United States or its territories; 2. which is operated pursuant to the law; 3. operates primarily for the inpatient care and treatment of sick and injured personspersons as inpatients; 34. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 45. is supervised by a staff of licensed physicians; and 56. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis.  Immediate Family - means the individual's spouse, /domestic partner, child, brother, sister, parent, parent or grandparent. Medically Necessary - means consistent with Your diagnosis  Nursing Home. A facility that: 1. is licensed by the appropriate governmental licensing agency as a Nursing Home in accordance with accepted standards the state in which it operates such facilities; 2. is operated pursuant to the law; 3. charges patients for the care provided; 4. is primarily engaged in providing, in addition to room and board accommodations, nursing care (skilled, intermediate or custodial) by or under the supervision of a licensed Physician; 5. provides continuous twenty-four (24) hour a day nursing services by or under the supervision of a registered nurse (R.N.); 6. has a licensed Physician available to furnish emergency medical practice without which Your care; 7. maintains a daily medical condition would be adversely affectedrecord of each patient; and 8. maintains control and records of dispensed medications.

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are the Owner is confined as an inpatient in to a Nursing Home or Hospital for ninety (90) consecutive days starting after days, a period during which the Issue Date shown on the Contract Data PagesWithdrawal Charge otherwise would normally apply, the Company will waive the Withdrawal Charge on the amount any amounts You withdraw request withdrawn from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on under this provision. The amount(s) You request withdrawn from the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Center. Withdrawals under this provision may will not reduce Remaining Premium. Withdrawals made pursuant to this provision shall be up to 100% of the Contract Value. The availability amount(s) withdrawn pursuant to this provision shall not exceed $250,000 and will be taken from the Separate Account Contract Value and the Fixed Account Contract Value as stated in the Withdrawal Provisions of access this Contract. A withdrawal from the Fixed Account Option(s) may be subject to guarantees or values is not intended to provide long-term care or nursing home insurancean Interest Rate Adjustment. This Waiver may mean an increase or decrease in the amount of Withdrawal Charge for Extended Care is available Your benefit. You can withdraw an amount pursuant to this benefit only once, no matter regardless of the amount withdrawn or in the circumstances of multiple confinements subsequent confinement for the same condition or the occurrence of a different medical condition and/or Joint Ownerscondition. For the purpose of this waiverbenefit, the following definitions apply:  Hospital. A facility that: 1. is located within the United States or its territories; 2. which is operated pursuant to the law; 3. operates primarily for the inpatient care and treatment of sick and injured personspersons as inpatients; 34. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 45. is supervised by a staff of licensed physicians; and 56. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis.  Immediate Family - means the individual's spouse, /domestic partner, child, brother, sister, parent, parent or grandparent. Medically Necessary - means consistent with Your diagnosis  Nursing Home. A facility that: 1. is licensed by the appropriate governmental licensing agency as a Nursing Home in accordance with accepted standards the state in which it operates such facilities; 2. is operated pursuant to the law; 3. charges patients for the care provided; 4. is primarily engaged in providing, in addition to room and board accommodations, nursing care (skilled, intermediate or custodial) by or under the supervision of a licensed Physician; 5. provides continuous twenty-four (24) hour a day nursing services by or under the supervision of a registered nurse (R.N.); 6. has a licensed Physician available to furnish emergency medical practice without which Your care; 7. maintains a daily medical condition would be adversely affectedrecord of each patient; and 8. maintains control and records of dispensed medications.

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive days starting after the Issue Date shown on the Contract Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Service Center. Withdrawals under this provision may reduce Remaining Premium. The availability of access to guarantees or values is not intended to provide long-term care or nursing home insurance. This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the amount withdrawn or in the circumstances of multiple confinements for the same or a different medical condition and/or Joint Owners. For the purpose of this waiver, the following definitions apply:  Hospital. A facility that: 1. is located within the United States or its territories; 2. is operated pursuant to the law; 3. operates primarily for the inpatient care and treatment of sick and injured persons; 34. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 45. is supervised by a staff of licensed physicians; and 56. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis.  Immediate Family - means the individual's spouse, /domestic partner, child, brother, sister, parent, parent or grandparent.  Medically Necessary - means consistent with Your diagnosis in accordance with accepted standards of medical practice without which Your medical condition would be adversely affected.. RILA280 18

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive days starting after the Issue Date shown on the Contract Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Center. Withdrawals under this provision may reduce Remaining Premium. The availability of access to guarantees or values is not intended to provide long-term care or nursing home insurance. This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the amount withdrawn or in the circumstances of multiple confinements for the same or a different medical condition and/or Joint Owners. For the purpose of this waiver, the following definitions apply: Hospital. A facility that: 1. is located within the United States or its territories; 2. is operated pursuant to the law; 3. operates primarily for the inpatient care and treatment of sick and injured persons; 34. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 45. is supervised by a staff of licensed physicians; and 56. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis. Immediate Family - means the individual's spouse, domestic partner, child, brother, sister, parent, or grandparent. Medically Necessary - means consistent with Your diagnosis in accordance with accepted standards of medical practice without which Your medical condition would be adversely affected.

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive days starting after the Issue Date shown on the Contract Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Center. Withdrawals under this provision may reduce Remaining Premium. The availability of access to guarantees or values is not intended to provide long-term care or nursing home insurance. This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the amount withdrawn or in the circumstances of multiple confinements for the same or a different medical condition and/or Joint Owners. For the purpose of this waiver, the following definitions apply: • Hospital. A facility that: 1. is located within the United States or its territories; 2. operates primarily for the inpatient care and treatment of sick and injured persons; 3. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 4. is supervised by a staff of licensed physicians; and 5. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis. • Immediate Family - means the individual's spouse, domestic partner, child, brother, sister, parent, or grandparent. • Medically Necessary - means consistent with Your diagnosis in accordance with accepted standards of medical practice without which Your medical condition would be adversely affected.

WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE. If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive days starting after the Issue Date shown on the Contract Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements described below, You will be eligible for this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values will be reduced proportionately for the amount withdrawn. The Company will allocate the withdrawal amount to each Contract Option according to the method described in the Withdrawal Provisions. The Company will determine values at the end of the Business Day on which the Company receives the request for withdrawal in Good Order at the Company's Customer Care Service Center. Withdrawals under this provision may reduce Remaining Premium. The availability of access to guarantees or values is not intended to provide long-term care or nursing home insurance. This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the amount withdrawn or in the circumstances of multiple confinements for the same or a different medical condition and/or Joint Owners. For the purpose of this waiver, the following definitions apply:  Hospital. A facility that: 1. is located within the United States or its territories; 2. is operated pursuant to the law; 3. operates primarily for the inpatient care and treatment of sick and injured persons; 34. provides continuous twenty-four (24) hour a day nursing service by or under the supervision of a registered nurse (R.N.); 45. is supervised by a staff of licensed physicians; and 56. has its own medical and diagnostic facilities or has access to such facilities on a prearranged basis.  Immediate Family - means the individual's spouse, /domestic partner, child, brother, sister, parent, parent or grandparent.  Medically Necessary - means consistent with Your diagnosis in accordance with accepted standards of medical practice without which Your medical condition would be adversely affected.. RILA282 18