EXHIBIT 4(E)
FREE LOOK PROVISIONS
GA, HI, MI, MO, NE, NC, OR, SC, UT, WA, WV
CANCELLATION RIGHT. You may return this Contract for cancellation to Us or to
the sales representative through whom it was purchased, within 10 days after
delivery. Upon surrender of this Contract within the 10 day period, We will
refund all purchase payments received by the Company.
ID
CANCELLATION RIGHT. You may return this Contract for cancellation to Us or to
the sales representative through whom it was purchased, within 20 days after
delivery. Upon surrender of this Contract within the 20 day period, We will
refund all purchase payments received by the Company.
CA
IMPORTANT
YOU HAVE PURCHASED A VARIABLE ANNUITY CONTRACT. CAREFULLY REVIEW IT FOR
LIMITATIONS.
THIS CONTRACT MAY BE RETURNED WITHIN 10 DAYS* FROM THE DATE YOU RECEIVED IT FOR
A FULL REFUND EITHER BY RETURNING IT TO THE AGENT OR THE INSURANCE COMPANY. THE
AMOUNT OF REFUND WILL BE THE SUM OF YOUR ACCOUNT VALUE AT THE END OF THE
VALUATION PERIOD IN WHICH YOUR REQUEST IS RECEIVED, PLUS ANY PREMIUM TAXES OR
OTHER APPLICABLE TAX CHARGES THAT HAVE BEEN DEDUCTED. AFTER 10 DAYS*
CANCELLATION MAY RESULT IN A SUBSTANTIAL PENALTY, KNOWN AS A SURRENDER CHARGE.
*30 DAYS IF YOU WERE AGE 60 OR ABOVE ON THE DATE OF ISSUE.
MN
RIGHT TO CANCEL - You may cancel this contract by delivering or mailing a
written notice or sending a telegram to the Company at 0000-X Xxxxx Xxxxxxx,
Xxxxxxx, Xxxxx 00000, and by returning the contract before midnight of the tenth
day after the date you receive the contract. Notice given my mail and return of
the contract by mail are effective on being postmarked, properly addressed and
postage prepaid. The Insurer must return all payments made for this contract
within ten days after it receives notice of cancellation and the returned
contract.
ND
CANCELLATION RIGHT. You may return this Contract for cancellation to Us or to
the sales representative through whom it was purchased, within 20 days after
delivery. Upon surrender of this Contract within the 20 day period, We will
refund the sum of Your Account Value at the end of the Valuation Period in which
Your request is received, plus any Premium Taxes or other applicable tax charges
that have been deducted.
OK
CANCELLATION RIGHT. You may return this Contract for cancellation to Us or to
the sales representative through whom it was purchased, within 10 days after
delivery. Upon surrender of this Contract within the 10 day period, We will
refund all purchase payments received by the Company. If refund is not made
within 30 days after the Contract is returned to Us, the amount refunded will
include interest as required by Title 36 Oklahoma Statute Section 4003.1(A).
GA, HI, MI, MN, MO, NE, NC, OK, SC, UT, WA, WV
INITIAL ALLOCATION OF Any Net purchase Payment received prior to the first
PURCHASE PAYMENTS Valuation Date following the 10th day after the Date of
Issue will be allocated as follows:
1. Any amount scheduled to be applied to the Fixed
Account will be applied to the Fixed Account;
2. Any amount scheduled to be applied to a Separate
Account Division will be applied to the Money Market
Division.
On the first Valuation Date following the 10th day after
the Date of Issue, the Account Value of the Money Market
Division will be allocated to the Separate Account
Divisions which you selected. If this Contract is
returned for cancellation while the Cancellation Right is
in effect, We will refund the sum of all Purchase
Payments received.
ALLOCATION OF The allocation of Net Purchase Payments (following the
PURCHASE PAYMENTS 10th day after the Date of Issue) is shown on Page 3 of
(FOLLOWING THE 10TH this Contract, and will remain in effect until changed by
DAY AFTER THE DATE Written Notice. The percentage allocation for future Net
OF ISSUE) Purchase payments may be changed at any time by Written
notice provided by the Owner or by Telephone Transfer and
Allocation Privilege.
Changes in the allocation will be effective as of the
Valuation Date immediately following Our receipt of
notice of such change. Each allocation to a Division or
Guarantee period must be a whole percentage of the Net
Purchase Payment and all allocations must equal 100% of
such Payment.
Up to 100% of a Net Purchase Payment may be allocated to
any available Division or Guarantee Period. The initial
Purchase Payment will be credited to the Owner's Account
not more than two Valuation periods after We receive it,
together with all other required documentation, in good
order at the office designated by the Company for the
processing of initial purchase payments. Subsequent
Purchase Payments will be credited as of the end of the
Valuation Period in which they are so received. We
reserve the right to limit the number of Fixed Account
Guarantee Periods and Separate Account Divisions that may
be chosen during the life of this contract.
ID
INITIAL ALLOCATION OF Any Net purchase Payment received prior to the first
PURCHASE PAYMENTS Valuation Date following the 20th day after the Date of
Issue will be allocated as follows:
1. Any amount scheduled to be applied to the Fixed
Account will be applied to the Fixed Account;
2. Any amount scheduled to be applied to a Separate
Account Division will be applied to the Money Market
Division.
On the first Valuation Date following the 20th day after
the Date of Issue, the Account Value of the Money Market
Division will be allocated to the Separate Account
Divisions which you selected. If this Contract is
returned for cancellation while the Cancellation Right is
in effect, We will refund the sum of all Purchase
Payments received.
ALLOCATION OF The allocation of Net Purchase Payments (following the
PURCHASE PAYMENTS 20th day after the Date of Issue) is shown on Page 3 of
(FOLLOWING THE 20TH this Contract, and will remain in effect until changed by
DAY AFTER THE DATE Written Notice. The percentage allocation for future Net
OF ISSUE) Purchase payments may be changed at any time by Written
notice provided by the Owner or by Telephone Transfer and
Allocation Privilege.
Changes in the allocation will be effective as of the
Valuation Date immediately following Our receipt of
notice of such change. Each allocation to a Division or
Guarantee period must be a whole percentage of the Net
Purchase Payment and all allocations must equal 100% of
such Payment.
Up to 100% of a Net Purchase Payment may be allocated to
any available Division or Guarantee Period. The initial
Purchase Payment will be credited to the Owner's Account
not more than two Valuation periods after We receive it,
together with all other required documentation, in good
order at the office designated by the Company for the
processing of initial purchase payments. Subsequent
Purchase Payments will be credited as of the end of the
Valuation Period in which they are so received. We
reserve the right to limit the number of Fixed Account
Guarantee Periods and Separate Account Divisions that may
be chosen during the life of this contract.
OR
INITIAL ALLOCATION OF Any Net Purchase Payment received prior to the first
PURCHASE PAYMENTS Valuation Date following the 10th day after the Date of
Issue will be applied to the Money Market Division.
On the first Valuation Date following the 10th day after
the Date of Issue, the Account Value of the Money Market
Division will be allocated to the Separate Account
Divisions which you selected. If this Contract is
returned for cancellation while the Cancellation Right is
in effect, We will refund the sum of all Purchase
Payments received.
ALLOCATION OF The allocation of Net Purchase Payments (following the
PURCHASE PAYMENTS 10th day after the Date of Issue) is shown on Page 3 of
(FOLLOWING THE 10TH this Contract, and will remain in effect until changed by
DAY AFTER THE DATE Written Notice. The percentage allocation for future Net
OF ISSUE) Purchase payments may be changed at any time by Written
notice provided by the Owner or by Telephone Transfer and
Allocation Privilege.
Changes in the allocation will be effective as of the
Valuation Date immediately following Our receipt of
notice of such change. Each allocation to a Division must
be a whole percentage of the Net Purchase Payment and all
allocations must equal 100% of such Payment.
Up to 100% of a Net Purchase Payment may be allocated to
any available Division. The initial Purchase Payment will
be credited to the Owner's Account not more than two
Valuation periods after We receive it, together with all
other required documentation, in good order at the office
designated by the Company for the processing of initial
purchase payments. Subsequent Purchase Payments will be
credited as of the end of the Valuation Period in which
they are so received. Purchase Payments may be allocated
to a total of 18 Separate Account Divisions. Allocations
to additional Separate Account Divisions may be made with
the permission of the Company.
AUTOMATIC ANNUITY OPTION
TX
OPTIONS AVAILABLE The Owner may elect to have payments made beginning on the
TO AN OWNER Xxxxxxx Commencement Date under any one of the Annuity
Options described in this Contract. We will notify the Owner
60 to 90 days prior to the scheduled Annuity Commencement
Date that this Contract is scheduled to mature, and request
that an Annuity Option be selected.
In the absence of such election ten days prior to the
Annuity Commencement Date, the Owner's Account Value will be
applied under the Second Option with 120 monthly payments
guaranteed, unless the joint and survivor option is required
by law.
MAXIMUM ANNUITY AGE
PA
ANNUITY The Annuity Commencement Date based on the Issue will not be
COMMENCEMENT later than the Contract Anniversary Age stated on page 3 nearest
DATE the Annuitant's maximum age at maturity as shown below:
ISSUE AGE MAXIMUM AGE AT MATURITY
--------- -----------------------
70 or less 85
71-75 86
76-80 88
81-85 90
The Annuity Date may be changed by Written Notice from the Owner,
subject to Our approval. However, the Annuity Commencement Date
after change may not be extended beyond the Maximum Ages at
Maturity, as shown above.
