REINSURANCE AGREEMENT, Effective April 1, 1996 between HARTFORD LIFE INSURANCE COMPANY (HARTFORD, CONNECTICUT) and Connecticut General Life Insurance Company (Hartford, Connecticut) INDEX

VARIABLE ANNUITY GUARANTEED DEATH BENEFIT REINSURANCE

Effective April 1, 1996

between

HARTFORD LIFE INSURANCE COMPANY

(HARTFORD, CONNECTICUT)

AND

CONNECTICUT GENERAL LIFE INSURANCE COMPANY

(HARTFORD, CONNECTICUT)

REINSURANCE AGREEMENT, Effective April 1, 1996

between

HARTFORD LIFE INSURANCE COMPANY

(HARTFORD, CONNECTICUT)

and

Connecticut General Life Insurance Company

(Hartford, Connecticut)

INDEX

			ARTICLE			PAGE
Access to Records			XII			7
Amounts at Risk			II			1
Arbitration			XVII			8
Automatic Excess Reinsurance			III			2
Claims			VII			5
Currency			XIV			7
DAC tax Regulation Election			XVIII			9
Delays, Errors, or Omissions			XIII			7
Effective Date; Term and Termination			XIX			10
Extra Contractual Obligation			IX			6
Hold Harmless			XV			8
Insolvency			XVI			8
Liability of Connecticut General			IV			3
Litigation			X			6
Notices			XX			13
Offset			XI			7
Parties to the Agreement			I			1
Premium Accounting			VI			4
Reinsurance Premiums			V			3
Reserves			VIII			5

SCHEDULES

A Maximum Limits of Reinsurance in Connecticut General

B Policy Forms and Funds Subject to this Reinsurance Agreement

C Definition of Guaranteed Minimum Death Benefit

D Reinsurance Premium Rates

E Reporting Format Description

REINSURANCE AGREEMENT

(hereinafter called Agreement)

between

Hartford Life Insurance Company

(hereinafter called Hartford Life)

and

Connecticut General Life Insurance Company

(hereinafter called Connecticut General or Reinsurer)

It is agreed by the two companies as follows:

ARTICLE I PARTIES TO THE AGREEMENT

This Agreement shall be binding upon and shall inure solely to the benefit of

Hartford Life and Connecticut General. This Agreement shall not and is not

intended to create any right or interest in any third party and shall not and is

not intended to create any legal relationship between either party and any third

party, including, without limitation, annuitants, insureds, certificate holders,

employees, dependents, beneficiaries, policy owners, applicants or assignees

under any policy or contract issued by Hartford Life.

ARTICLE II AMOUNTS AT RISK

A. The reinsurance death benefit is the excess of the guaranteed minimum death

benefit over the contract surrender value. At issue, the guaranteed minimum

death benefit is equal to the initial premium. Once every year thereafter, on

the contract anniversary, prior to certificate or contract owner attained age

81, the guaranteed minimum death benefit is reset to the then current contract

value, if this value exceeds the current guaranteed minimum death benefit.

Please refer to Schedule C for a complete description of the guaranteed minimum

death benefit.

B. The Contract Value represents the owner's invested assets in the funds in

Schedule B as it appears in the records of Hartford Life before application of

any contingent deferred sales charge on any given date. The Surrender Value is

defined as the Contract Value less any contingent deferred sales charge. The

charge is a percentage of the amount surrendered (not to exceed the aggregate

amount of the premium payments made) and equals:

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[REDACTED]

C. The Net Amount At Risk, is equal to the guaranteed minimum death benefit

less the Surrender Value at the end of each calendar month. The Net Amount At

Risk cannot fall below zero.

ARTICLE III AUTOMATIC EXCESS REINSURANCE

A. On and after the Effective Date of this Agreement, subject to the terms,

conditions and limitations set forth in this Agreement and the Schedules

attached to and made a part hereof, Hartford Life shall cede and the Reinsurer

shall accept Hartford Life's guaranteed death benefit liability under the

Variable Annuity Contracts, as described in Article II A.

B. This Agreement covers only Hartford Life's liability for claims paid under

Variable Annuity Contracts written on forms and investment in funds which were

reviewed by the Reinsurer prior to their issuance. Forms, as supplemented by

additional materials, and funds available as of the date of this Agreement are

listed on Schedule B, attached hereto and made a part hereof. If Hartford Life

intends to cede to Reinsurer liability with respect to a new form or fund, or a

revised version of an approved form or fund, the following applies:

a) new or revised forms that do not materially impact the guaranteed

minimum death benefit risk, shall be submitted to Connecticut General

by Hartford Life as a revised Schedule B to be included in this

Agreement. A form that contains no change in the guaranteed minimum

death benefit calculation and surrender charges no greater than those

shown in Article II paragraph B will be deemed to have no material

impact on the guaranteed minimum death benefit risk;

b) new or revised forms or funds that materially impact the guaranteed

minimum death benefit risk shall be subject to the approval of

Connecticut General. Connecticut General shall have no change in

liability until written notice is provided to Hartford Life that such

new or revised forms or funds are acceptable. If Connecticut General

fails

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to provide written notice of acceptance within thirty (30) days, such changes

shall be considered to have been approved.

ARTICLE IV LIABILITY OF CONNECTICUT GENERAL

Connecticut General's liability for reinsurance under this Agreement shall

follow that of Hartford Life in every case, and be subject in all respects to

the general stipulations, terms, clauses, conditions, waivers and modifications

of the Variable Annuity Contracts.

In no event shall Connecticut General have any reinsurance liability unless the

Variable Annuity Contract issued by Hartford Life is in force and the

underwriting and issuance of coverage by Hartford Life constitutes the doing of

business in a state of the United States of America or in territories of the

United States of America in which Hartford Life is properly licensed and

authorized to do business.

ARTICLE V REINSURANCE PREMIUMS

The monthly premiums for reinsurance subject to the terms and conditions of this

Agreement shall be calculated as the average of the reinsurance premiums using

the Net Amount at Risk as of the end of the prior month and the reinsurance

premium using the Net Amount at Risk as of the end of the current month by

applying the YRT rates set forth in Schedule D, subject to the following:

A. The reinsurance premiums shall be based on the older of contract owner and

annuitant at the time the Net Amount at Risk is calculated. Hartford Life shall

determine the age at the time it prepares the monthly exposure data submission

for the variable annuity guaranteed death benefit, as set forth in Schedule E,

attached hereto.

B. The premium for each calendar month will be at least equivalent to the

Monthly Average Contract Value times the minimum premium rate as shown in

paragraphs D and E below. The Monthly Average Contract Value is the average of

the contract values at the end of the current calendar month and the end of the

prior calendar month. The Monthly Contract Value times the minimum premium rate

will be remitted to Connecticut General in advance for the current month, at the

time of settlement for the prior month.

C. The premium for each calendar month will be no more than the monthly Average

Contract Value times the maximum premium rate as shown in paragraphs D and E

below. Basis points (bps) shown below are monthly.

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D. [REDACTED]

E. GMDB Modification

For policies issued on or after January 1, 1996 in which the reduction in

guaranteed minimum death benefit caused by partial withdrawals is proportionate

to the amount withdrawn, the following minimum and maximum rates will apply:

[REDACTED]

ARTICLE VI PREMIUM ACCOUNTING

Hartford Life shall forward to Connecticut General within 30 days of the end of

the reporting period a monthly statement substantially similar to that set forth

in Schedule E. Reinsurance premiums submitted by Hartford Life shall be net of

claims incurred. If a balance is due Connecticut General, Hartford Life shall

remit any balance due for the prior month along with an advance premium for the

current month, in accordance with Article V.

Hartford Life Insurance Company CIGNA Reinsurance

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ARTICLE VII CLAIMS

A. Hartford Life is solely responsible for payment of its claims under the

Variable Annuity Contracts, policies, master contracts or certificates

identified on Schedule B. Hartford Life shall provide Connecticut General with

proof of claim, proof of claim payment and any other claim documentation

requested by Connecticut General. Reinsurance premiums submitted by Hartford

Life shall be net of claims incurred. If a balance is due Hartford Life,

Connecticut General shall remit payment within thirty (30) calendar days

following receipt of the monthly reinsurance statement, as set forth in Schedule

X.

X. Xxxxxxxx Life shall notify Connecticut General of its intentions to contest,

compromise, or litigate a claim involving reinsurance.

ARTICLE VIII RESERVES

The reserve held by Connecticut General for reinsurance of the variable annuity

death benefit will be determined as follows:

[REDACTED]

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ARTICLE IX EXTRA CONTRACTUAL OBLIGATIONS

A. In no event shall Connecticut General be liable for extra contractual

damages (whether they constitute Compensatory damages, Statutory penalties,

Exemplary or Punitive damages) which are awarded against Hartford Life as a

result of an act, omission or course of conduct by Hartford Life in connection

with policies subject to this Agreement, unless the Reinsurer shall have

received notice of and concurred with the actions taken or not taken by Hartford

Life which led to its liability, in which case the Reinsurer shall pay its share

of such liability. For this purpose, the Reinsurer's share shall be

proportionate with its risk under the business reinsured hereunder.

B. The following definitions shall apply;

(1) Punitive damages and Exemplary damages are those damages awarded as

a penalty, the amount of which is not governed nor fixed by statute.

(2) Statutory penalties are those amounts which are awarded as a penalty

but fixed in amount by statute.

(3) Compensatory damages are those amounts awarded to compensate for the

actual damages sustained and are not awarded as a penalty nor fixed

in amount by statute.

ARTICLE X LITIGATION

A. In the event of any action brought against Hartford Life related to the

guaranteed minimum death benefit risk under any Underlying Annuity Contract that

is subject to the terms and conditions of this Agreement, Hartford Life shall

provide a copy of such action and written notice of such action within two (2)

business days to Connecticut General. If Connecticut General is a party to

action brought against Hartford Life, Hartford Life shall seek agreement by

Connecticut General on the selection and appointment of local counsel to

represent Hartford Life in such action.

B. Hartford Life and Connecticut General agree that all litigation costs,

excluding the salaries of employees of Hartford Life and Connecticut General,

shall be borne by Hartford Life. However, if Hartford Life and Connecticut

General agree to jointly defend any litigation, litigation costs will be borne

in proportion to the net liability borne by each party.

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ARTICLE XI OFFSET

Either party shall have, and may exercise at any time and from time to time, the

right to offset any balance or amounts whether on account of premiums or on

account of losses or otherwise, due from one party to the other under the terms

of this Agreement. However, in the event of insolvency of Hartford Life subject

to the provisions of Article XVI, offset shall only be allowed in accordance

with the statutes and/or regulations of the state having jurisdiction over the

insolvency.

ARTICLE XII ACCESS TO RECORDS

Connecticut General, or its duly authorized representative, shall have access

(at any reasonable time) to all records of Hartford Life (including the right to

photocopy documents) which pertain in any way to this reinsurance. The right of

access shall continue for twelve (12) months following the termination of this

Agreement.

ARTICLE XIII DELAYS, ERRORS OR OMISSIONS

No accidental delay, errors or omissions on the part of Hartford Life shall

relieve Connecticut General of liability provided such delay, errors or

omissions are rectified as soon as possible after discovery. However,

Connecticut General shall not be liable with respect to any reinsurance which

may have been inadvertently included in the premium computation but which ought

not to have been included by reason of the terms and conditions of this

Agreement. It is expressly understood and agreed that if failure to comply with

any terms of this Agreement is hereby shown to be unintentional or the result of

misunderstanding or oversight on the part of either party, both parties shall be

restored to the position they would have occupied had no such error or oversight

occurred, subject always to the correction of the error or oversight.

ARTICLE XIV CURRENCY

All retentions and limits hereunder are expressed in United States dollars and

all premium and loss payments shall be made in United States currency. For the

purposes of this Agreement, amounts paid or received by Connecticut General in

any other currency shall be converted into United States dollars at the rates of

exchange on the date such transactions are entered on the books of Connecticut

General.

ARTICLE XV HOLD HARMLESS

A. Connecticut General shall indemnify and hold Hartford Life harmless from any

and all liability, loss, damage, fines, punitive damages, penalties and costs,

including expenses and attorney's fees, which results from any negligence or

willful misconduct of Connecticut

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General in fulfilling its duties and obligations under this Agreement or which

results from any action which exceeds its authority under this Agreement.

B. Hartford Life shall indemnify and hold Connecticut General harmless from any

and all liability, loss, damage, fines, punitive damages, penalties and costs,

including expenses and attorney's fees, which results from any negligence or

willful misconduct of Hartford Life in fulfilling its duties and obligations

under this Agreement or which results from any action which exceeds its

authority under this Agreement.

ARTICLE XVI INSOLVENCY

In the event of insolvency of Hartford Life, the reinsurance under this

Agreement shall be payable directly by Connecticut General to Hartford Life or

to its liquidator, receiver, conservator or statutory successor on the basis of

Connecticut General's liability to Hartford Life without diminution because of

the insolvency of Hartford Life or because the liquidator, receiver, conservator

or statutory successor of Hartford Life has failed to pay all or a portion of

any claim. It is agreed, however, that the liquidator, receiver, conservator or

statutory successor of Hartford Life shall give prompt written notice to

Connecticut General of the pendency of a claim against Hartford Life within a

reasonable time after such claim is filed in the receivership, conservation,

insolvency or liquidation proceeding and that during the pendency of such claim,

Connecticut General may investigate such claim and interpose, at its own

expense, in the proceeding where such claim is to be adjudicated, any defense or

defenses that it may deem available to Hartford Life or its liquidator,

receiver, conservator or statutory successor. The expense thus incurred by

Connecticut General shall be chargeable, subject to the approval of the Court,

against Hartford Life as part of the expense of conservation or liquidation to

the extent of a pro-rata share of the benefit which may accrue to Hartford Life

solely as a result of the defense undertaken by Connecticut General.

Where two or more reinsurers are involved in the same claim and a majority in

interest elect to interpose defense to such claim, the expense shall be

apportioned in accordance with the terms of this Agreement as though such

expense had been incurred by Hartford Life.

ARTICLE XVII ARBITRATION

A. As a condition precedent to any right of action hereunder, any dispute

between the parties with respect to the interpretation of this Agreement or any

right, obligation or liability of either party, whether such dispute arises

before or after termination of this Agreement, shall be submitted to arbitration

upon the written request of either party. Each party shall select an arbitrator

within thirty (30) days of the written request for arbitration. If either party

refuses or neglects to appoint an arbitrator within thirty (30) days of the

written request for arbitration, the other party may appoint the second

arbitrator. The two arbitrators shall select an umpire within thirty (30) days

of the appointment of the second arbitrator. If the

Hartford Life Insurance Company CIGNA Reinsurance

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two arbitrators fail to agree on the selection of the umpire within thirty (30)

days of the appointment of the second arbitrator, each arbitrator shall submit

to the other a list of three umpire candidates, each arbitrator shall select one

name from the list submitted by the other and the umpire shall be selected from

the two names chosen by a lot drawing procedure to be agreed upon by the

arbitrators.

B. The arbitrators and the umpire all shall be active or retired, disinterested

executive officers of insurance or reinsurance companies.

C. The arbitration panel shall interpret this Agreement as an honorable

engagement rather than merely as a legal obligation and shall make its decision

considering the custom and practice of the applicable insurance and reinsurance

business. The arbitration panel is released from judicial formalities and shall

not be bound by strict rules of procedure and evidence.

D. The decision of the arbitration panel shall be final and binding on both,

parties. The arbitration panel may, at its discretion, award costs and expenses

as it deems appropriate, including, but not limited to, attorneys' fees and

interest. Judgment may be entered upon the final decision of the arbitration

panel in any court of competent jurisdiction.

E. All meetings and hearings before the arbitration panel shall take place in

Hartford, Connecticut unless some other place is mutually agreed upon the

parties.

F. Each parry shall bear the expense of its own arbitrator and shall jointly

and equally bear with the other party the expenses of the umpire and of the

arbitration.

ARTICLE XVIII DAC TAX REGULATION ELECTION

Connecticut General and Hartford Life hereby agree to make an election pursuant

to Internal Revenue Code Regulation Section 1.848-2(g)(8). This election shall

be effective for all taxable years for which the Reinsurance Agreement remains

in effect.

The terms used in this article are defined by reference to Regulation Section

1.848-2 promulgated on December 28, 1992.

Connecticut General and Hartford Life agree that the entity with net positive

consideration for the reinsurance agreement for each taxable year will

capitalize specified policy acquisition expenses with respect to the reinsurance

agreement without regard to the general deductions limitation of Section

848(c)(1) of the Internal Revenue Code of 1986, as amended.

Connecticut General and Hartford Life agree to exchange information pertaining

to the amount of net consideration under the reinsurance agreement each year to

ensure consistency. To achieve this, Hartford Life shall provide Connecticut

General with a schedule of its calculation of the

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net consideration for all reinsurance agreements in force between them for a

taxable year by no later than April 30 of the succeeding year. Connecticut

General shall advise Hartford Life if it disagrees with the amounts provided by

no later than May 31, otherwise the amounts will be presumed correct and shall

be reported by both parties in their respective tax returns for such tax year.

If Connecticut General contests Hartford Life's calculation of the net

consideration, the Parties agree to act in good faith to resolve any differences

within thirty (30) days of the date Connecticut General submits its alternative

calculation and report the amounts agreed upon in their respective tax returns

for such tax year.

Connecticut General represents and warrants that it is subject to U.S. taxation

under either Subchapter L or Subpart F of Part III of Subchapter N of the

Internal Revenue Code of 1986, as amended.

ARTICLE XIX EFFECTIVE DATE; TERM AND TERMINATION

A. The effective date of this Agreement is April 1, 1996. This Agreement remains

effective for all annuity contracts subject to this Agreement written by

Hartford Life for three (3) years from the effective date, unless terminated

pursuant to the paragraphs listed below:

B. Either Connecticut General or Hartford Life shall have the option of

terminating this agreement with ninety (90) calendar days written notice to the

other party for new business anytime on or after the end of the three (3) year

period.

C. Once each calendar year, Hartford Life shall have the option to recapture

existing contracts beginning with the twentieth (20) anniversary of their

reinsurance hereunder. Recapture must be made on an issue year basis, and no

contracts can be recaptured unless all contracts with earlier issue years are

recaptured.

D. Connecticut General shall have the option of terminating this Agreement upon

delivery of thirty (30) calendar days written notice to Hartford Life, within

thirty (30) days of the happening of any of the following events:

For New and Existing Business:

(1) [REDACTED]

(2) Hartford Life is placed upon a "watch list" by its domiciliary

state's insurance regulators;

(3) An order appointing a receiver, conservator or trustee for

management of Hartford Life is entered or a proceeding is commenced

for rehabilitation, liquidation, supervision or conservation of

Hartford Life;

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(4) The Securities and Exchange Commission revokes the authority of

Hartford Life to conduct business;

(5) Failure by Hartford Life to pay premium in accordance with Article V.

If, during the thirty (30) days notice period, Reinsurer receives all

premiums in arrears and all premiums which may become due within the

thirty (30) days notice period, the notice of termination shall be

deemed withdrawn. In the event of termination under this paragraph,

this Agreement may be reinstated upon the written consent of Reinsurer

if, at any time within sixty (60) days of termination, Hartford Life

pays and Reinsurer receives all premiums due with interest thereon and

payable up to the date of reinstatement. (Please refer to paragraph J

below for the interest calculation description)

E. Hartford Life shall have the option of terminating this Agreement upon

delivery of thirty (30) calendar days written notice to Connecticut General,

within thirty (30) days of the happening of any of the following events:

For New and Existing Business:

(1) [REDACTED]

(2) Connecticut General is placed upon a "watch list" by its domiciliary

states's insurance regulators;

(3) An order appointing a receiver, conservator or trustee for

management of Connecticut General is entered or a proceeding is

commenced for rehabilitation, liquidation, supervision or

conservation of Connecticut General;

F. If this Agreement is terminated for new and existing business, Connecticut

General shall be relieved of all liability to Hartford Life for claims incurred

following the termination date of this Agreement under such Underlying Annuity

Contracts issued by Hartford Life, and

G. If this Agreement is terminated for new business only, Connecticut General

will remain liable, after termination, in accordance with the terms and

conditions of this Agreement, with respect to all reinsurance effective prior to

termination of the Agreement for new business.

H. Both parties shall continue to be entitled to all offset credits provided by

Article XI up to the effective date of termination.

I. Hartford Life shall not have the right to assign or transfer any portion of

the rights, duties and obligations of Hartford Life under the terms and

conditions of this Agreement without the written approval of Connecticut

General.

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J. In the event of reinstatement as described in paragraph D above, there will

be an interest charge at the three (3) month LIBOR Rate (as published in the

Wall Street Journal), plus 1%, determined on the first business day following

the end of the 30 day notice period. The settlement is considered overdue at the

end of the 30 day notice period and interest shall commence from the overdue

date.

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

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ARTICLE XX NOTICES

All notices required to be given hereunder shall be in writing and shall be

deemed delivered if personally delivered, sent via facsimile, or dispatched by

certified or registered mail, return receipt requested, postage prepaid,

addressed to the parties as follows:

Xxxxxxx X. Xxxxxx, FSA

Assistant Vice President & Director

Actuarial

Hartford Life Insurance Company

X.X. Xxx 0000

Xxxxxxxx, XX 00000-0000

Phone No. (000) 000-0000 Fax No. (000) 000-0000

Xxxxxxx X. Xxxxx, FSA

Assistant Vice President and Actuary

Connecticut General Life Insurance Company

R-26

000 Xxxxxxx Xxxxx Xxxx

Xxxxxxxx, XX 00000-0000

Phone No. (000) 000-0000 Fax No. (000) 000-0000

Notice shall be deemed given on the date it is received in the mail or sent via

facsimile in accordance with the foregoing. Any party may change the address to

which to send notices by notifying the other party of such change of address in

writing in accordance with the foregoing.

This Agreement constitutes the entire contract between the parties and shall be

deemed to have been made under and governed by the laws of the State of

Connecticut. Any amendment or modification hereto shall be in writing, endorsed

upon or attached hereto and signed by both Hartford Life and Connecticut

General.

In witness whereof, the parties hereto have caused this Agreement to be signed

in duplicate on the dates indicated to be effective as of the date specified

above.

HARTFORD LIFE INSURANCE COMPANY

Date: August 30, 1996 By: /s/ [ILLEGIBLE]

------------------------------

CONNECTICUT GENERAL LIFE INSURANCE

COMPANY

Date: August 27, 1996 By: /s/ [ILLEGIBLE]

------------------------------

Hartford Life Insurance Company CIGNA Reinsurance

Director; Putnam Capital Manager; August 23, 1996

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SCHEDULE A

Maximum Limits of Reinsurance in Connecticut General

The maximum purchase amount issued on the life of each insured*:

[REDACTED]

The total purchase amount is the sum of all premium contributions for each

contract in which the insured is the owner or annuitant. For purchase amounts in

excess of the maximum, Connecticut General's death benefit liability will be

reduced by the ratio of purchase amounts in excess of the maximum to the total

purchase amounts.

------------

* The insured is defined as the first to die of the owner and the annuitant.

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE A

SCHEDULE B

Contracts and Funds Subject to this Reinsurance Agreement

FORM NUMBER			POLICY DESCRIPTION			DATE
HLVA94			The Director, Xxxxxx Capital Manager, Select Dimensions, Pathmaker and all other group and state variations thereof

FUNDS:

a) Fixed Accounts on the above forms

b) Variable Accounts as listed below:

FUND DESCRIPTION

Hartford Bond Fund         Money Market Portfolio

Hartford Stock Fund         No.American Government Securities

                    Portfolio

HVA Money Market Fund     Diversified Income Portfolio

Hartford Advisers Fund     Balanced Portfolio

Hartford U.S. Government Money Market     Utilities Portfolio

Fund

Hartford Capital Appreciation Fund     Dividend Growth Portfolio

Hartford Mortgage Securities Fund     Value-Added Market Portfolio

Hartford Index Fund         Core Equity Portfolio

Hartford International Opportunities     American Value Portfolio

Fund

Hartford Dividend & Growth Fund     Global Equity Portfolio

Hartford International Advisers Fund     Developing Growth Portfolio

PCM Asia Pacific Growth Fund     Emerging Markets Portfolio

PCM Diversified Income Fund     Xxxxxxxx Balanced Fund

PCM Global Asset Allocation Fund     Xxxxxxxx Growth/Value Fund

PCM Global Growth Fund     Xxxxxxxx Opportunity Fund

PCM Growth and Income Fund     Xxxxxxxx Capital Growth Fund

PCM High Yield Fund     Xxxxxxxx Money Market Fund

PCM Money Market Fund

PCM New Opportunities Fund

PCM U.S. Government and High Quality

Bond Fund

PCM Voyager Fund

PCM Utilities Growth and Income Fund

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE B

SCHEDULE C

Guaranteed Minimum Death Benefit

A. Hartford Life will determine the Guaranteed Minimum Death Benefit for each

deceased within seven (7) working days of written notice of death.

The guaranteed minimum death benefit will have the meaning described in the

attached policy form (HLVA94/N471R0.FRM).

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE C

INDIVIDUAL FLEXIBLE PREMIUM

VARIABLE ANNUITY CONTRACT

[LOGO]

ITT HARTFORD

HARTFORD LIFE INSURANCE COMPANY

X.X. XXX 0000

XXXXXXXX, XXXXXXXXXXX 00000-0000

INDIVIDUAL FLEXIBLE PREMIUM

VARIABLE ANNUITY CONTRACT

Hartford Life Insurance Company

X.X. Xxx 0000

Xxxxxxxx Xxxxxxxxxxx 00000-0000

(a stock life insurance company herein called the Company)

Unless otherwise directed by the Contract Owner, the Company agrees to pay the

named Annuitant, on the Annuity Commencement Date, if the Annuitant and Contract

Owner are then living, the first of a series of annuity payments the frequency,

period and dollar amounts of which shall be determined on the basis as set forth

herein, in accordance with the Annuity Option selected.

This contract is issued in consideration of the payment of the initial premium

payment.

This contract is subject to the laws of the jurisdiction where it is delivered.

The Contract Specifications on Page 3 and the conditions and provisions on this

and the following pages are part of the contract.

RIGHT TO EXAMINE CONTRACT

We want you to be satisfied with the contract you have purchased. We urge you to

closely examine its provisions. If for [ILLEGIBLE] reason you are not satisfied

with your purchase you may surrender the contract by returning the contract

within ten days (10) days if this contract is replacing another annuity contract

or life insurance policy) after you receive it. A written request [ILLEGIBLE]

cancellation must accompany the contract. In such event, we will pay to the

Contract Owner an amount equal to the sum of (i) the difference between the

premiums paid and the amounts allocated to any Account under the contract and

(ii) the Contract Value on the date of surrender. The Contract Owner bears only

the investment risk during the period prior to the Company's receipt of request

for cancellation.

Signed for the Company

/s/ Xxxxx X. Xxxxxxx /s/ Lowndes X. Xxxxx

--------------------------------- ---------------------------------

XXXXX X. XXXXXXX, SECRETARY LOWNDES X. XXXXX, PRESIDENT

PURCHASE PAYMENTS ARE FLEXIBLE AS DESCRIBED HEREIN.

NONPARTICIPATING

ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT

EXPERIENCE OF A SUB-ACCOUNT, ARE VARIABLE AND ARE NOT GUARANTEED AS TO FIXED

DOLLAR AMOUNT. DETAILS OF THE VARIABLE PROVISIONS ARE DESCRIBED UNDER VALUATION

PROVISIONS, PAGES 9 AND 10.

[LOGO]

ITT HARTFORD

TABLE OF CONTENTS

<Table>

<Caption>

PAGE

<S> <C>

-------------------------------------------------------------------

Contract Specifications 3

Definition of Certain Terms 4

Premium Payments Provision 5

Contract Control Provisions 6

General Provisions 7

Valuation Provisions 9

Termination Provisions 10

Settlement Provisions 12

Annuity Tables 15

</Table>

2

CONTRACT SPECIFICATIONS

<Table>

<S> <C> <C> <C>

CONTRACT NUMBER [SPECIMEN] CONTRACT DATE [FEBRUARY 8, 1994]

NAME OF ANNUITANT [XXXXX DATE OF ISSUE [FEBRUARY 8, 1994]

XXXXX]

AGE OF ANNUITANT [35] ANNUITY COMMENCEMENT DATE [JANUARY 1, 2024]

SEX OF ANNUITANT [MALE] INITIAL PREMIUM PAYMENT [$20,000]

MINIMUM SUBSEQUENT PAYMENT 500

MINIMUM FIXED ACCOUNT 3%

INTEREST RATE

CONTINGENT ANNUITANT [XXXX XXXXX]

DESIGNATED [XXX XXXXX] CONTRACT OWNER (IF OTHER [SAME]

BENEFICIARY THAN ANNUITANT)

</Table>

DESCRIPTION OF BENEFITS

INDIVIDUAL FLEXIBLE PREMIUM VARIABLE ANNUITY CONTRACT

<Table>

<S> <C>

ANNUAL WITHDRAWAL AMOUNT: CONTRACT YEARS 1-7

10% OF PREMIUM PAYMENTS

AFTER CONTRACT YEAR 7

THE GREATER OF:

100% OF THE CONTRACT VALUE REDUCED BY THE TOTAL OF ANY

PREMIUM PAYMENTS MADE DURING THE 7 YEARS PRIOR TO

WITHDRAWAL: OR

10% OF PREMIUM PAYMENTS MADE DURING THE 7 YEARS PRIOR

TO WITHDRAWAL.

ANNUAL CONTRACT MAINTENANCE FEE: $0 IF THE CONTRACT VALUE IS $50,000 OR MORE ON THE

CONTRACT ANNIVERSARY.

$30 IF THE CONTRACT VALUE IS LESS THAN $50,000 ON THE

CONTRACT ANNIVERSARY.

MORTALITY AND EXPENSE RISK CHARGE: 1.25% PER ANNUM OF THE AVERAGE DAILY CONTRACT VALUE.

ADMINISTRATION CHARGE: 0%PER ANNUM OF THE AVERAGEDAILY CONTRACT VALUE.

</Table>

3

CONTINGENT DEFERRED SALES CHARGES:

SUBJECT TO THE ANNUAL WITHDRAWAL AMOUNT, SURRENDERS OF CONTRACT VALUES

ATTRIBUTABLE TO PREMIUM PAYMENTS MAY BE SUBJECT TO A CONTINGENT DEFERRED SALES

CHARGE ("CHARGE"). THE LENGTH OF TIME FROM RECEIPT OF THE PREMIUM PAYMENT TO THE

TIME OF SURRENDER DETERMINES THE CHARGE.

DURING THE FIRST SEVEN CONTRACT YEARS, ALL SURRENDERS WILL BE FIRST FROM PREMIUM

PAYMENTS AND THEN FROM EARNINGS. IF AN AMOUNT EQUAL TO ALL PREMIUM PAYMENTS HAS

BEEN SURRENDERED, A CHARGE WILL NOT BE ASSESSED AGAINST THE SURRENDER OF THE

REMAINING CONTRACT VALUE.

AFTER THE SEVENTH CONTRACT YEAR, ALL SURRENDERS WILL FIRST BE FROM EARNINGS AND

THEN FROM PREMIUM PAYMENTS. A CHARGE WILL NOT BE ASSESSED AGAINST THE SURRENDER

OF EARNINGS. IF AN AMOUNT EQUAL TO ALL EARNINGS HAS BEEN SURRENDERED, A CHARGE

WILL NOT BE ASSESSED AGAINST PREMIUM PAYMENTS RECEIVED MORE THAN SEVEN YEARS

PRIOR TO SURRENDER, BUT WILL BE ASSESSED AGAINST PREMIUM PAYMENTS RECEIVED LESS

THAN SEVEN YEARS PRIOR TO SURRENDER. FOR THIS PURPOSE, PREMIUM PAYMENTS WILL BE

DEEMED TO BE SURRENDERED IN THE ORDER IN WHICH THEY WERE RECEIVED.

THE CHARGE IS A PERCENTAGE OF THE AMOUNT SURRENDERED (NOT TO EXCEED THE

AGGREGATE AMOUNT OF THE PREMIUM PAYMENTS MADE) AND EQUALS:

<Table>

<Caption>

LENGTH OF TIME FROM PREMIUM PAYMENT

CHARGE (NUMBER OF YEARS)

<S> <C>

-------------------------------------------------------------------

6% 1

6% 2

5% 3

5% 4

4% 5

3% 6

2% 7

0% 8 AND THEREAFTER

</Table>

NO CONTINGENT DEFERRED SALES CHARGES WILL BE ASSESSED IN THE EVENT THE CONTRACT

TERMINATES DUE TO THE DEATH OF THE ANNUITANT OR CONTRACT OWNERS (AS APPLICABLE),

OR IF CONTRACT VALUES ARE APPLIED TO AN ANNUITY OPTION PROVIDED FOR UNDER THIS

CONTRACT (PROVIDED HOWEVER, ANY SURRENDER OUT OF OPTION 4 WILL BE SUBJECT TO

CONTINGENT DEFERRED SALES CHARGES, IF APPLICABLE) OR UPON THE EXERCISE OF THE

ANNUAL WITHDRAWAL AMOUNT.

3 (continued)

FUND OPTIONS

THE INITIAL PREMIUM PAYMENT WILL BE ALLOCATED AS SPECIFIED IN YOUR APPLICATION.

THE SAME ALLOCATIONS WILL BE MADE FOR SUBSEQUENT PREMIUM PAYMENTS UNLESS YOU

CHANGE THE ALLOCATION OR, AT THE TIME OF A PREMIUM PAYMENT, YOU INSTRUCT US TO

ALLOCATE THAT PAYMENT DIFFERENTLY.

SEPARATE ACCOUNT: HARTFORD LIFE INSURANCE COMPANY

SEPARATE ACCOUNT TWO

<Table>

<Caption>

SUB-ACCOUNT BASED ON:

<S> <C>

------------------------------------------------------------------------

ADVISERS FUND HVA ADVISERS FUND, INC.

STOCK FUND HVA STOCK FUND, INC.

AGGRESSIVE GROWTH FUND HVA AGGRESSIVE GROWTH FUND, INC.

INTERNATIONAL OPPORTUNITIES FUND HARTFORD INTERNATIONAL

OPPORTUNITIES FUND, INC.

DIVIDEND AND GROWTH FUND HARTFORD DIVIDEND AND GROWTH

FUND, INC.

INDEX FUND HARTFORD INDEX FUND, INC.

GNMA/MORTGAGE SECURITIES FUND HARTFORD GNMA/MORTGAGE

SECURITIES FUND, INC.

BOND/DEBT SECURITIES FUND HVA BOND/DEBT SECURITIES

FUND, INC.

MONEY MARKET FUND HVA MONEY MARKET FUND, INC.

</Table>

OR OTHER FUNDS AS MAY BE MADE AVAILABLE FROM TIME TO TIME.

3 (continued)

DEFINITION OF CERTAIN TERMS

ACCOUNT -- Any of the Sub-Accounts or the Fixed Account.

ACCUMULATION UNIT -- An accounting unit of measure used to calculate the value

of a Sub-Account of this contract before annuity payments begin.

ADMINISTRATIVE OFFICE OF THE COMPANY -- Currently located at 000 Xxxxxxxxx Xx.,

Xxxxxxxx, Xx. All correspondence concerning this contract should be sent to our

mailing address at X.X. Xxx 0000. Attn: Individual Annuity Operations Xxxxxxxx,

XX 00000-0000.

ANNUAL WITHDRAWAL AMOUNT -- The amount that can be withdrawn in any Contract

Year prior to incurring surrender charges.

ANNUITANT -- The person on whose life this contract is issued.

ANNUITY COMMENCEMENT DATE -- The date on which annuity payments are to begin as

described under Settlement Provisions in this contract.

ANNUITY UNIT -- An accounting unit of measure used to calculate the amount of

annuity payments under the variable annuity option.

BENEFICIARY -- The person entitled to receive benefits as per the terms of the

contract in case of the death of the Contract Owner or Annuitant, as applicable.

COMPANY -- The Hartford Life Insurance Company.

CONTINGENT ANNUITANT -- The person so designated by the Contract Owner who, upon

the Annuitant's death, prior to the Annuity Commencement Date, becomes the

Annuitant.

CONTRACT ANNIVERSARY -- An anniversary of the Contract Date. Similarly, Contract

Years are measured from the Contract Date. The Contract Date is shown on Page 3.

CONTRACT MAINTENANCE FEE -- An amount which in deducted from the value of the

contract at the end of the Contract Year or on the date of surrender of this

contract, if earlier.

CONTRACT OWNER -- The owner(s) of the contract.

CONTRACT VALUE -- The value of the Sub-Accounts plus the value of the Fixed

Account on any day.

DATE OF ISSUE -- The date on which an Account is established for the Contract

Owner by the Company.

DOLLAR COST AVERAGING -- Contract Owner initiated systematic transfers from one

or more Accounts to any other available Sub-Accounts.

DUE PROOF OF DEATH -- A certified copy of the death certificate, an order of a

court of competent jurisdiction, a statement from a physician who attended the

deceased, or any other proof acceptable to the Company.

FIXED ACCOUNT -- Part of the Company's General Account to which all or a portion

of the Contract Value may be allocated.

4

DEFINITION OF CERTAIN TERMS (Continued)

FUND(S) -- Currently the Funds specified on Page 3 or any other Fund(s) that may

be added by the Company.

GENERAL ACCOUNT -- All assets of the Company other than those allocated to the

Separate Accounts of the Company.

MAXIMUM ANNIVERSARY VALUE -- A value used in determining the death benefit. It

is based on a series of calculations of Account Values on Contract

Anniversaries, premium payments and partial surrenders.

As of the date of death, the Company will calculate an Anniversary value for

each Contract Anniversary prior to the deceased's attained age 81. The

Anniversary Value is equal to the Account Value on a Contract Anniversary,

increased by the dollar amount of any premium payments made since that

anniversary and reduced by the dollar amount of any partial surrenders since

that anniversary. The Maximum Anniversary Value is equal to the greatest

Anniversary Value attained from this series of calculations.

PREMIUM TAX -- The amount of tax, if any, charged by a federal, state or

municipal entity on premium payments or Contract Values.

SEPARATE ACCOUNT -- An Account established by the Company to separate the assets

funding the variable benefits for the class of contracts to which this contract

belongs from the other assets of the Company. The assets in the Separate Account

are not chargeable with liabilities arising out of any other business the

Company may conduct. The Separate Account and the Funds, which are the

underlying securities of the Separate Account, are listed on the Contract

Specifications on Page 3 of this contract.

SUB-ACCOUNT -- The subdivisions of the Separate Account which are used to

determine how the Contract Owner's Account is allocated between the Funds.

TERMINATION VALUE -- The value of the contract upon termination, as described in

the section of the contract captioned "Termination Provisions."

VALUATION DAY -- Every day the New York Stock Exchange is open for trading.

PREMIUM PAYMENTS

PREMIUM PAYMENTS

Premium payments are payable at the Administrative Office of the Company.

Payments may be made by check payable to Hartford Life Insurance Company or by

any other method which the Company deems acceptable.

The Initial Premium Payment is shown on Page 3. This is a flexible premium

annuity. Additional payments may be accepted by the Company. The additional

payments must be at least equal to the minimum subsequent premium payment shown

on Page 3.

ALLOCATION OF PREMIUM PAYMENTS

The Contract Owner shall specify that portion of any premium payment to be

allocated to each Account, provided, however, that the minimum allocation to any

Account may not be less than the Company's minimum amount then in effect.

5

PREMIUM PAYMENTS (Continued)

The Contract Owner may transfer Contract Values held in the Accounts into other

Accounts however, the Company reserves the right to limit the number of

transfers to no more frequently than 12 per Contract Year with no two transfers

being made on consecutive Valuation Days Subject to the following two

paragraphs, any such limitations will apply to all Contract Owners.

The right to reallocate Contract Values between the Accounts is subject to

modification if the Company determines, in its sole opinion, that the exercise

of that right by one or more Contract Owners is, or would be, to the

disadvantage of other Contract Owners. Any modification could be applied to

transfers to or from some or all of the Accounts and could include, but not be

limited to the requirement of a minimum time period between each transfer, not

accepting transfer requests of an agent acting under a power of attorney on

behalf of more than one Contract Owner, or limiting the dollar amount that may

be transferred between the Accounts by a Contract Owner at any one time. Such

restrictions may be applied in any manner reasonably designed to prevent any use

of the transfer right which is considered by the Company to be to the

disadvantage of other Contract Owners.

The maximum amount transferable from the Fixed Account during any Contract Year

is the greater of 30% of the Fixed Account balance as of the last Contract

Anniversary or the greatest of any prior transfer from the Fixed Account. This

limitation does not apply to Dollar Cost Averaging. However, if any interest

rate is renewed at a rate at least one percentage point less than the previous

rate, the Contract Owner may elect to transfer up to 100% of the Funds receiving

that reduced rate within 60 days of notification of the interest rate decrease.

Transfers may not be made from the Sub-Accounts into the Fixed Account for the

six-month period following any transfer from the Fixed Account into the other

Sub-Accounts. The Company reserves the right to defer transfers from the Fixed

Account for up to six months from the date of request.

CONTRACT CONTROL PROVISIONS

ANNUITANT, CONTINGENT ANNUITANT, CONTRACT OWNER

The Annuitant may not be changed.

The designations of Contract Owner and Contingent Annuitant will remain in

effect until changed by the Contract Owner. Changes in the designation of the

Contract Owner may be made during the lifetime of the Annuitant by written

notice to the Company. Changes in the designation of Contingent Annuitant may be

made at any time prior to the Annuity Commencement Date by written notice to the

Company. Notwithstanding the foregoing, if no Contingent Annuitant has been

named and the Contract Owner/Annuitant's spouse is the Beneficiary, it will be

assumed that the Contract Owner/Annuitant's spouse is the Contingent Annuitant.

The Contract Owner has the sole power to exercise all the rights, options and

privileges granted by this contract or permitted by the Company and to agree

with the Company to any change in or amendment to the contract. The rights of

the Contract Owner shall be subject to the rights of any assignee of record with

the Company and of any irrevocably designated Beneficiary. In the case of joint

Contract Owners, each Contract Owner alone may exercise all rights, options and

privileges, except with respect to the Termination and Partial Surrender Annual

Withdrawal Amount Provisions and change of ownership.

6

CONTRACT CONTROL PROVISIONS (Continued)

BENEFICIARY

The Designated Beneficiary will remain in effect until changed by the Contract

Owner. Changes in the Designated Beneficiary may be made during the lifetime of

the Annuitant by written notice to the Administrative Office of the Company. If

the Designated Beneficiary has been designated irrevocably, however, such

designation cannot be changed or revoked without such Beneficiary's written

consent. Upon receipt of such notice and written consent, if required, at the

Administrative Office of the Company, the new designation will take effect as of

the date the notice is signed, whether or not the Annuitant or Contract Owner is

alive at the time of receipt of such notice. The change will be subject to any

payments made or other action taken by the Company before the receipt of the

notice.

In the event of the death of the Annuitant when there is no surviving Contingent

Annuitant, the Beneficiary will be as follows. If the death of the Annuitant

occurs prior to the Annuity Commencement Date, the Beneficiary shall be the

surviving Contract Owner, or joint Contract Owners, if applicable,

notwithstanding that the Designated Beneficiary may be different. Otherwise, the

Beneficiary will be the Designated Beneficiary then in effect. If the Annuitant

is the sole Contract Owner and there is no Designated Beneficiary in effect, the

Annuitant's estate will be the Beneficiary.

In the event of the death of a Contract Owner prior to the Annuity Commencement

Date, the Beneficiary will be as follows. If the owner was the sole Contract

Owner, the Beneficiary shall be the Designated Beneficiary then in effect. If no

Beneficiary designation is in effect or if the Designated Beneficiary has

predeceased the Contract Owner, the Contract Owner's estate shall be the

Beneficiary. At the first death of a joint Contract Owner prior to the Annuity

Commencement Date, the Beneficiary shall be the surviving Contract Owner

notwithstanding that the Designated Beneficiary may be different.

GENERAL PROVISIONS

THE CONTRACT

This contract constitutes the entire contract.

MODIFICATION

No modification of this contract shall be made except over the signature of the

President, a Vice President, a Secretary or an Assistant Secretary of the

Company.

The Company reserves the right to modify the contract, but only if such

modification: (i) is necessary to make the contract or the Separate Account

comply with any law or regulation issued by a governmental agency to which the

Company is subject: (ii) is necessary to assure continued qualification of the

contract under the Internal Revenue Code or other federal or state laws relating

to retirement annuities or annuity contracts: (iii) is necessary to reflect a

change in the operation of the Separate Account or the Sub-Account(s): (iv)

provides additional Account options: or (v) withdraws Account options. In the

event of any such modification, the Company will provide notice to the Contract

Owner, or to the payee(s) during the annuity period. The Company may also make

appropriate endorsement in the Contract to reflect such modification.

7

GENERAL PROVISIONS (Continued)

MINIMUM VALUE STATEMENT

Any Termination Values, death benefits or settlement provisions available under

this contract equal or exceed those required by the state in which the contract

is delivered.

NON-PARTICIPATION

This contract does not share in the surplus earnings of the Company That portion

of the assets of the Separate Account equal to the reserves and other contract

liabilities of the Separate Account shall not be chargeable with liabilities

arising out of any other business the Company may conduct.

MISSTATEMENT OF AGE AND SEX

If the age or sex of the Annuitant has been misstated, the amount of the annuity

payable by the Company shall be that provided by that portion of the amounts

allocated to effect such annuity on the basis of the corrected information

without changing the date of the first payment of such annuity. Any

underpayments by the Company shall be made up immediately and any overpayments

shall be charged against future amounts becoming payable.

If the age of the Annuitant or Contract Owner has been misstated, the amount of

any death benefit payable shall be determined based upon the correct age of the

Annuitant or Contract Owner.

INCONTESTABILITY

We cannot contest this Contract.

REPORTS TO THE CONTRACT OWNER

There shall be furnished to each Contract Owner copies of any shareholder

reports of the Funds and of any other notices, reports or documents required by

law to be delivered to Contract Owners. Annually, a statement of the Contract

Value is sent to the Contract Owner.

VOTING RIGHTS

The Company shall notify the Contract Owner of any Fund shareholder's meetings

at which the shares held for the Contract Owner's Account may be voted and shall

also send proxy materials and a form of instruction by means of which the

Contract Owner can instruct the Company with respect to the voting of the shares

held for the Contract Owner's Account. In connection with the voting of Fund

shares held by it, the Company shall arrange for the handling and tallying of

proxies received from Contract Owners. The Company will vote the Fund shares

held by it in accordance with the instructions received from the Contract Owners

having the right to give voting instructions. If a Contract Owner desires to

attend any meeting which shares held for the Contract Owner's benefit may be

voted, the Contract Owner may request the Company to furnish a proxy or

otherwise arrange for the exercise of voting rights with respect to the Fund

shares held for such Contract Owner's Account.

8

GENERAL PROVISIONS (Continued)

In the event that the Contract Owner gives no instructions or leaves the manner

of voting discretionary, the Company will vote such shares of the appropriate

Fund in the same proportion as shares of that Fund for which instructions have

been received. Also, the Company will vote the Fund Shares in this proportionate

manner which are held by the Company for its own Account. During the annuity

period under a contract the number of votes will decrease as the assets held to

fund annuity benefits decrease.

SUBSTITUTION

The Company reserves the right to substitute the shares of any other registered

investment company for the shares of any Fund already purchased or to be

purchased in the future by the Separate Account provided that the substitution

has been approved by the Securities and Exchange Commission.

CHANGE IN THE OPERATION OF THE SEPARATE ACCOUNT

At the Company's election and subject to any necessary vote by persons having

the right to give instructions with respect to the voting of the Fund shares

held by the Sub-Accounts, the Variable Account may be operated as a management

company under the Investment Company Act of 1940 or it may be deregistered under

the Investment Company Act of 1940 in the event registration is no longer

required. Deregistration of the Variable Account requires an order by the

Securities and Exchange Commission.

PROOF OF SURVIVAL

The payment of any annuity benefit will be subject to evidence that the

Annuitant is alive on the date such payment is otherwise due.

VALUATION PROVISIONS

NET PREMIUM PAYMENTS

The net premium payment is equal to the premium payment minus any applicable

Premium Taxes. The net premium payment is applied to provide Fixed Account

values or Sub-Account Accumulation Units with respect to the Sub-Account(s)

selected by the Contract Owner.

The number of Accumulation Units credited to each Sub-Account is determined by

dividing the net premium payment allocated to a Sub-Account by the dollar value

of one Accumulation Unit for such Sub-Account, next computed after the receipt

of a premium payment by the Company. The number of Accumulation Units so

determined will not be affected by any subsequent change in the value of such

Accumulation Units. The Accumulation Unit value in any Sub-Account may increase

or decrease from day to day as described below.

The Company will determine the value of the Fixed Account by crediting interest

to amounts allocated to the Fixed Account. The minimum Fixed Account interest

rate is the rate shown on Page 3, compounded annually. The Company, at its

discretion, may credit interest rates greater than the minimum Fixed Account

interest rate.

9

VALUATION PROVISIONS (Continued)

NET INVESTMENT FACTOR

The net investment factor for each of the Sub-Accounts is equal to the net asset

value per share of the corresponding Fund at the end of the valuation period

(plus the per share amount of any unpaid dividends or capital gains by that

Fund) divided by the net asset value per share of the corresponding Fund at the

beginning of the valuation period and subtracting from that amount the mortality

and expense risk charge and the administration charge shown on Page 3. The

General Account net investment factor is guaranteed to be equal to the Minimum

Fixed Account Interest Rate shown on Page 3.

ACCUMULATION UNIT VALUE

The Accumulation Unit Value for each Sub-Account will vary to reflect the

investment experience of the applicable Fund and will be determined on each

Valuation Day by multiplying the Accumulation Unit Value of the particular

Sub-Account on the preceding Valuation Day by the net investment factor for that

Sub-Account for the valuation period then ended. The value of the Sub-Account on

each Valuation Day is then determined by multiplying the number of Accumulation

Units in that Sub-Account by the Accumulation Unit Value on that Valuation Day.

ANNUITY UNIT VALUE

The value of an Annuity Unit for each Sub-Account of the Separate Account will

vary to reflect the investment experience of the applicable Funds and will be

determined by multiplying the value of the Annuity Unit for that Sub-Account on

the preceding day by the product of (a) the net investment factor for that

Sub-Account for the day for which the Annuity Unit value is being calculated,

and (b) 0.999866, which is a factor that neutralizes an assumed interest rate of

5%.

CONTRACT MAINTENANCE FEE

During each year that this contract is in force prior to the Annuity

Commencement Date, a fee will be deducted from the contract at the end of the

Contract Year or on the date of surrender of this contract, if earlier. The fee

will be charged against the Contract Value by reducing the Fixed Account value

and, with respect to the Sub-Accounts, the number of Accumulation Units held on

that date on a pro-rata basis with respect to each active Account.

The number of Accumulation Units deducted from the Sub-Account is determined by

dividing the pro-rata portion of the Contract Maintenance Fee applicable to that

Sub-Account, by the value of an Accumulation Unit for the Sub-Account at the end

of the Contract Year, or on the date of surrender, as applicable.

TERMINATION PROVISIONS

TERMINATION PRIOR TO THE ANNUITY COMMENCEMENT DATE

FULL SURRENDER

At any time prior to the Annuity Commencement Date, the Contract Owner has the

right to terminate the contract by submitting a written request to the

Administrative Office of the Company. In such event, the Termination Value of

the contract may be taken in the form of a cash settlement.

10

TERMINATION PROVISIONS (Continued)

The Termination Value of the contract is equal to the Contract Value less

(a) any applicable Premium Taxes not previously deducted;

(b) the Contract Maintenance Fee as specified on Page 3; and

(c) any applicable contingent deterred sales charges as specified on Page 3

The Termination Value provided by the contract is not less than the minimum

values required by the insurance laws of the state in which this contract is

issued.

PARTIAL SURRENDERS/ANNUAL WITHDRAWAL AMOUNT

The Contract Owner may request, in writing, a partial surrender of Contract

Values at any time prior to the Annuity Commencement Date provided the Contract

Value remaining after the surrender is at least equal to the Company's minimum

amount rules then in effect. If the remaining Contract Value following such

surrender is less than the Company's minimum amount rules, the Company will

terminate the contract and pay the Termination Value.

The contingent deferred sales charge will be assessed against any Contract

Values surrendered as described on Page 3. However, on a noncumulative basis,

the Contract Owner may make partial surrenders during any Contract Year, up to

the Annual Withdrawal Amount shown on Page 3 and the contingent deferred sales

charge will not be assessed against such amounts. Surrender of Contract Values

in excess of the Withdrawal Amount and additional surrenders made in any

Contract Year will be subject to the contingent deferred sales charge, as

described on Page 3, if applicable.

For Federal tax purposes, any surrenders will be deemed to be first from

earnings, to the extent that they exist, and then from the premium payments.

TERMINATION AFTER THE ANNUITY COMMENCEMENT DATE

This contract may not be surrendered for its Termination Value after the

commencement of annuity payments, except with respect to Options Four and Five.

PAYMENT ON SURRENDER -- DEFERRAL OF PAYMENT

Payment on any request for surrender will be made as soon as possible and, with

respect to the Contract Values in the Sub-Accounts, no later than seven days

after the written request is received by the Company. However, such payment may

be subject to postponement:

(a) for any period during which the New York Stock Exchange is closed or during

which trading on the New York Stock Exchange is restricted:

(b) for any period during which an emergency exists as a result of which (i)

disposal of the securities held in the Sub-Accounts is not reasonably

practicable, or (ii) it is not reasonably practicable for the value of the net

assets of the Separate Account to be fairly determined: and

(c) for such other periods as the Securities and Exchange Commission may, by

order, permit for the protection of the Contract Owners. The conditions under

which trading shall be deemed to be restricted or any emergency shall be deemed

to exist shall be determined by rules and regulations of the Securities and

Exchange Commission.

11

TERMINATION PROVISIONS (Continued)

The Company may defer payment of any amounts from the Fixed up to six months

from the date of the request to surrender. If the Company defers payment for

more than 30 days, the Company will pay interest of at least 3% per annum on the

amount deferred.

DEATH BENEFIT

If the Annuitant dies before the Annuity Commencement Date and there is no

designated Contingent Annuitant surviving, or if the Contract Owner dies before

the Annuity Commencement Date, the Death Benefit will be payable as determined

under the Contract Control Provisions. The Death Benefit is calculated as of the

date the Company receives written notification of Due Proof of Death at the

Administrative Office of the Company.

The Death Benefit will be the greatest of:

(a) The Contract Value on the date of receipt of Due Proof of Death at the

Administrative Office of the Company; or

(b) The Maximum Anniversary Value as described on Page 5 of this Contract; or

(c) 100% of all premium payments made under the Contract, reduced by the dollar

amount of any partial surrenders since the Date of Issue.

The Death Benefit may be taken in one sum or under any of the settlement options

then being offered by the Company provided, however, that, in the event of a

Contract Owner's death, any settlement option must provide that any amount

payable as a death benefit will commence upon notification of Due Proof of Death

and be completed within five years of the date of death or, if the benefit is

payable over a period not extending beyond the life expectancy of the

Beneficiary or over the life of the Beneficiary, such distribution must commence

within one year of the date of death. Notwithstanding the foregoing, in the

event of the Contract Owner's death where the sole Beneficiary is the spouse of

the Contract Owner and the Annuitant or Contingent Annuitant is living, such

spouse may elect, in lieu of receiving the death benefit, to be treated as the

Contract Owner.

When payment is taken in one sum, payment will be made within 7 days after the

date Due Proof of Death is received, except when the Company is permitted to

defer such payment under the Investment Company Act of 1940.

SETTLEMENT PROVISIONS

ANNUITY COMMENCEMENT DATE

The Annuity Commencement Date is shown on Page 3. This date may be changed by

the Contract Owner with 30 days advance written notification, and may be the

fifteenth day of any month before or including the month of the Annuitant's 90th

birthday. In the event the Contingent Annuitant becomes the Annuitant and in the

absence of a written election to the contrary, the Annuity Commencement Date

will be the fifteenth day of the month coincident with or next following the

Annuitant's 90th birthday.

12

SETTLEMENT PROVISIONS (Continued)

ELECTION OF ANNUITY OPTION

The Contract Owner may elect to have the Termination Value, without deduction

for any contingent deferred sales charge, applied on the Annuity Commencement

Date under any one of the annuity options described below except the fifth

option or under any of the settlement options then being offered by the Company.

The Termination Value is determined on the basis of the Accumulation Unit value

of each Sub-Account and the value of the Fixed Account no later than the fifth

Valuation Day preceding the date annuity payments are to commence.

DATE OF PAYMENT

The first payment under any option shall be made on the fifteenth day of the

month immediately following approval of claim for settlement. Subsequent

payments shall be made on the fifteenth day of each subsequent month in

accordance with the manner of payment selected.

DEATH OF THE ANNUITANT

In the event of the death of the Annuitant while receiving annuity payments, the

present value of any remaining payments will be paid in one sum to the

Beneficiary unless other provisions shall have been made and approved by the

Company. If the Annuitant was also the Contract Owner, any method of

distribution must provide that any amount payable as a death benefit will be

distributed at least as rapidly as under the method of distribution in effect at

the Contract Owner's death. In the case of the Separate Account calculations,

for such present value of the remaining payments the Company will assume a net

investment rate of 5% per annum. The Annuity Unit value on the date of receipt

of Due Proof of Death shall be used for the purpose of determining such present

value. In the case of the General Account the net investment rate assumed will

be the rate used by the Company to determine the amount of each certain payment.

ALLOCATION OF ANNUITY

The person electing an annuity option may further elect to have the value of the

contract applied to provide a variable annuity, a fixed dollar annuity or a

combination of both. Once every 3 months, following the commencement of annuity

payments, the Contract Owner may elect, in writing, to transfer among any

Sub-Account(s) on which variable annuity payments are based. No transfers may be

made between the Sub-Accounts and the General Account.

If no election is made to the contrary, the value of each Sub-Account shall be

applied to provide a variable annuity based thereon, and the value of the Fixed

Account shall be applied to provide a fixed dollar annuity.

VARIABLE ANNUITY AND FIXED DOLLAR ANNUITY

Variable Annuity -- A variable annuity is an annuity with payments increasing or

decreasing in amount in accordance with the net investment results of the Sub-

Account(s) of the Separate Account (as described in the Valuation Provisions).

After the first monthly payment for a variable annuity has been determined in

accordance with the provisions of this contract, a number of Sub-Account Annuity

Units is determined by dividing that first monthly payment by the appropriate

Sub-Account Annuity Unit value on the effective date of the annuity payments.

13

SETTLEMENT PROVISIONS (Continued)

Once variable annuity payments have begun, the number of Annuity Units remains

fixed with respect to a particular Sub-Account. If the Contract Owner elects

that continuing annuity payments be based on a different Sub-Account, the number

will change effective with that election but will remain fixed in number

following such election. The method of calculating the unit value is described

under Valuation Provisions.

The dollar amount of the second and subsequent variable annuity payments is not

predetermined and may increase or decrease from month to month. The actual

amount of each variable annuity payment after the first is determined by

multiplying the number of Sub-Account Annuity Units by the Sub-Account Annuity

Unit value as described in the Valuation Provisions. The Sub-Account Annuity

Unit value will be determined no earlier than the fifth Valuation Day preceding

the date the annuity payment is due.

The Company guarantees that the dollar amount of variable annuity payments will

not be adversely affected by variations in the expense results and in the actual

mortality experience of payees from the mortality assumptions, including any age

adjustment, used in determining the first monthly payment.

Fixed Dollar Annuity -- A fixed dollar annuity is an annuity with payments which

remain fixed as to dollar amount throughout the payment period.

ANNUITY OPTIONS

FIRST OPTION -- Life Annuity -- An annuity payable monthly during the lifetime

of the payee, ceasing with the last payment due prior to the death of the payee.

SECOND OPTION -- Life Annuity with 120, 180 or 240 Monthly Payments Certain --

An annuity providing monthly income to the payee for a fixed period of 120

months, 180 months, or 240 months, (as selected), and for as long thereafter as

the payee shall live.

THIRD OPTION -- Joint and Last Survivor Life Annuity -- An annuity payable

monthly during the joint lifetime of the payee and a secondary payee, and

thereafter during the remaining lifetime of the survivor, ceasing with the last

payment prior to the death of the survivor.

FOURTH OPTION -- Payment for a Designated Period -- An amount payable monthly

for the number of years selected which may be from 5 to 30 years. The remaining

balance of proceeds in the General Account or the Separate Account for any day

is equal to the balance on the previous day decreased by the amount of any

installment paid on that day and the remainder multiplied by the applicable net

investment factor for the day as described in the valuation provisions. Any

surrender out of this option will be subject to contingent deferred sales

charges, as described on Page 3.

If this contract is issued to qualify under Section 401, 403, or 408 of the

Internal Revenue Code of 1954 as amended, the fourth option shall be available

only if the guaranteed payment period is less than the life expectancy of the

Annuitant at the time the option becomes effective. Such life expectancy will be

computed under the mortality table then in use by the Company.

14

SETTLEMENT PROVISIONS (Continued)

FIFTH OPTION -- Death Benefit Remaining with the Company -- Proceeds from the

Death Benefit left with the Company for a period not to exceed five years from

the date of the Contract Owner's death prior to the Annuity Commencement Date.

The proceeds will remain in the Sub-Account(s) to which they were allocated at

the time of death unless the Beneficiary elects to reallocate them. Full or

partial withdrawals may be made at any time. In the event of withdrawals, the

remaining value will equal the Contract Value of the proceeds left with the

Company, minus any withdrawals.

In the absence of an election by the Contract Owner, the Termination Value,

without deduction for any contingent deferred sales charge, will be applied on

the Annuity Commencement Date under the second option to provide a life annuity

with 120 monthly payments certain.

ANNUITY TABLES

DESCRIPTION OF TABLES

The attached tables show the minimum dollar amount of the first monthly payments

for each $1,000 applied under the options. Under the First or Second Options,

the amount of each payment will depend upon the age and sex of the payee at the

time the first payment is due. Under the Third Option, the amount of each

payment will depend upon the sex of both payees and their ages at the time the

first payment is due.

The variable payment annuity tables for the First, Second and Third Options are

based on the 1983a Individual Annuity Mortality Table with ages set back one

year and an interest rate of 5% per annum. The table for the Fourth Option is

based on an interest rate of 5% per annum.

The fixed annuity payment tables for the First, Second and Third Options are

based on the 1983a Individual Annuity Mortality Table with ages set back one

year and an interest rate of 3% per annum. The table for the Fourth Option is

based on an interest rate of 3% per annum.

Once the Contract Owner has elected an annuity option, that election may not be

changed with respect to any Annuitant following the commencement of annuity

payments.

MINIMUM PAYMENT

No election of any options or combination of options may be made under this

contract unless the first payment for each affected Account would be at least

equal to the minimum payment amount according to Company rules then in effect.

If at any time, payments to be made to any payee from each Account are or become

less than the minimum payment amount, the Company shall have the right to change

the frequency of payment to such intervals as will result in a payment at least

equal to the minimum. If any amount due would be less than the minimum payment

amount per annum, the Company may make such other settlement as may be equitable

to the payee.

15

-------------------------------------------------------------------------------

VARIABLE PAYMENT ANNUITY TABLES

AMOUNT OF FIRST MONTHLY PAYMENT

FOR EACH $1,000 APPLIED TO

VARIABLE PAYMENT ANNUITIES

Second and subsequent annuity payments, when based on the investment experience

of a Separate Account, are variable and are not guaranteed as to fixed dollar

amount.

SINGLE LIFE ANNUITIES

<Table>

<Caption>

MALE PAYEE FEMALE PAYEE

MONTHLY PAYMENTS GUARANTEED MONTHLY PAYMENTS GUARANTEED

AGE NONE 120 180 240 NONE 120 180 240

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

------------------------------------------------------------------------------------------------------------

35 $4.68 $4.67 $4.66 $4.64 $4.52 $4.52 $4.51 $4.50

40 4.86 4.85 4.82 4.79 4.65 4.65 4.64 4.62

45 5.10 5.07 5.03 4.97 4.83 4.82 4.60 4.77

50 5.41 5.35 5.28 5.20 5.06 5.04 5.01 4.97

51 5.48 5.41 5.34 5.24 5.12 5.09 5.06 5.01

52 5.55 5.48 5.40 5.30 5.17 5.14 5.11 5.05

53 5.63 5.55 5.46 5.35 5.23 5.20 5.16 5.10

54 5.71 5.63 5.53 5.40 5.30 5.26 5.22 5.15

55 5.80 5.70 5.60 5.45 5.37 5.33 5.28 5.20

56 5.89 5.79 5.67 5.51 5.44 5.40 5.34 5.26

57 5.99 5.88 5.74 5.57 5.52 5.47 5.40 5.31

58 6.10 5.97 5.82 5.62 5.60 5.54 5.47 5.37

59 6.21 6.07 5.90 5.68 5.69 5.62 5.54 5.43

60 6.33 6.17 5.98 5.74 5.79 5.71 5.62 5.49

61 6.46 6.28 6.07 5.80 5.89 5.80 5.70 5.55

62 6.60 6.40 6.16 5.86 6.00 5.90 5.78 5.61

63 6.75 6.52 6.25 5.91 6.11 6.00 5.86 5.67

64 6.91 6.64 6.34 5.97 6.23 6.11 5.95 5.74

65 7.09 6.78 6.43 6.02 6.37 6.22 6.04 5.80

66 7.27 6.91 6.52 6.08 6.51 6.34 6.14 5.67

67 7.47 7.06 6.62 6.12 6.66 6.47 6.24 5.93

68 7.68 7.21 6.71 6.17 6.82 6.60 6.34 5.99

69 7.91 7.36 6.81 6.22 7.00 6.74 6.44 6.05

70 8.15 7.52 6.90 6.26 7.19 6.89 6.54 6.11

75 9.65 8.35 7.30 6.41 8.41 7.74 7.06 6.34

80 11.78 9.16 7.59 6.48 10.24 8.70 7.46 6.46

85 14.73 9.80 7.74 6.51 13.00 9.55 7.69 6.50

90 16.62 10.21 7.80 6.51 17.00 10.10 7.79 6.51

</Table>

JOINT AND LAST SURVIVOR ANNUITY

<Table>

<Caption>

AGE OF AGE OF FEMALE PAYEE

MALE PAYEE 35 40 45 50 55 60

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

-------------------------------------------------------------------------------

35 $4.38 $4.42 $4.47 $4.52 $4.56 $4.59

40 4.41 4.47 4.54 4.60 4.66 4.71

45 4.43 4.51 4.60 4.68 4.77 4.85

50 4.45 4.55 4.65 4.76 4.88 5.00

55 4.47 4.57 4.70 4.84 4.99 5.15

60 4.49 4.60 4.73 4.90 5.09 5.30

65 4.50 4.61 4.76 4.95 5.17 5.43

70 4.50 4.63 4.78 4.98 5.23 5.54

75 4.51 4.64 4.80 5.01 5.28 5.63

80 4.51 4.64 4.81 5.03 5.31 5.69

85 4.52 4.65 4.82 5.04 5.34 5.73

90 4.52 4.65 4.82 5.05 5.35 5.75

<Caption>

AGE OF AGE OF FEMALE PAYEE

MALE PAYEE 65 70 75 80 85 90

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

------------- ------------------------------------------------------------

35 $4.62 $4.64 $4.65 $4.66 $4.67 $4.68

40 4.75 4.79 4.81 4.83 4.85 4.85

45 4.91 4.97 5.01 5.05 5.07 5.08

50 5.10 5.19 5.26 5.31 5.35 5.37

55 5.30 5.44 5.56 5.65 5.71 5.75

60 5.52 5.73 5.92 6.07 6.17 6.24

65 5.73 6.04 6.34 6.59 6.79 6.91

70 5.92 6.34 6.79 7.21 7.55 7.80

75 6.07 6.60 7.22 7.67 8.46 8.91

80 6.18 6.81 7.60 8.52 9.45 10.24

85 6.25 6.96 7.89 9.07 10.40 11.67

90 6.30 7.05 8.09 9.49 11.21 13.03

</Table>

PAYMENTS FOR A DESIGNATED PERIOD

<Table>

<Caption>

AMOUNT AMOUNT AMOUNT

NO. OF NO. OF NO. OF

OF MONTHLY OF MONTHLY OF MONTHLY

YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

-------------------------------------------------------------------------------------------------------

5 $18.74 10 $10.51 15 $7.82

6 15.99 11 9.77 16 7.49

7 14.02 12 9.16 17 7.20

8 12.56 13 8.64 18 6.94

9 11.42 14 8.20 19 6.71

</Table>

<Table>

<Caption>

AMOUNT AMOUNT AMOUNT

NO. OF NO. OF NO. OF

OF MONTHLY OF MONTHLY OF MONTHLY

YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

----------------------------------------------------------------------------------------------

20 $6.51 25 $5.76 30 $5.28

21 6.33 26 5.65

22 6.17 27 5.54

23 6.02 28 5.45

24 5.88 29 5.36

</Table>

The monthly payment for any combination of ages not shown will be quoted upon

request.

16

FIXED PAYMENT ANNUITY TABLES

AMOUNT OF MONTHLY PAYMENTS

FOR EACH $1,000 APPLIED TO

FIXED PAYMENT ANNUITIES

Payments are fixed and are guaranteed as to fixed dollar amount.

FIRST AND SECOND OPTIONS -- SINGLE LIFE ANNUITIES WITH:

<Table>

<Caption>

MALE PAYEE FEMALE PAYEE

MONTHLY PAYMENTS GUARANTEED MONTHLY PAYMENTS GUARANTEED

AGE NONE 120 180 240 NONE 120 180 240

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

------------------------------------------------------------------------------------------------------------

35 $3.41 $3.40 $3.39 $3.38 $3.23 $3.23 $3.22 $3.22

40 3.51 3.60 3.58 3.56 3.39 3.38 3.38 3.37

45 3.87 3.85 3.82 3.77 3.59 3.58 3.57 3.55

50 4.19 4.15 4.10 4.03 3.84 3.83 3.81 3.77

51 4.27 4.22 4.17 4.08 3.90 3.89 3.86 3.82

52 4.34 4.29 4.23 4.14 3.97 3.95 3.92 3.88

53 4.43 4.37 4.30 4.20 4.03 4.01 3.98 3.93

54 4.51 4.45 4.37 4.26 4.10 4.08 4.04 3.99

55 4.60 4.54 4.45 4.32 4.18 4.15 4.11 4.04

56 4.70 4.62 4.53 4.39 4.25 4.22 4.18 4.11

57 4.80 4.72 4.61 4.45 4.34 4.30 4.25 4.17

58 4.91 4.82 4.69 4.51 4.42 4.38 4.32 4.23

59 5.03 4.92 4.78 4.58 4.52 4.47 4.40 4.30

60 5.15 5.03 4.87 4.64 4.61 4.56 4.48 4.37

61 5.28 5.14 4.96 4.71 4.72 4.66 4.57 4.44

62 5.42 5.26 5.06 4.78 4.83 4.76 4.66 4.51

63 5.57 5.39 5.16 4.84 4.95 4.86 4.75 4.58

64 5.74 5.52 5.26 4.90 5.07 4.98 4.85 4.65

65 5.91 5.66 5.36 4.96 5.21 5.10 4.95 4.72

66 6.10 5.81 5.46 5.02 5.35 5.22 5.05 4.79

67 6.29 5.96 5.56 5.08 5.51 5.36 5.16 4.86

68 6.50 6.11 5.66 5.13 5.67 5.50 5.26 4.93

69 6.73 6.28 5.76 5.18 5.85 5.65 5.37 5.00

70 6.97 6.44 5.86 5.23 6.04 5.80 5.49 5.06

75 8.45 7.32 6.31 5.40 7.26 6.69 6.04 5.32

80 10.55 8.17 6.62 5.48 9.07 7.69 6.48 5.45

</Table>

THIRD OPTION -- JOINT AND LAST SURVIVOR ANNUITY

<Table>

<Caption>

AGE OF AGE OF FEMALE PAYEE

MALE PAYEE 35 40 45 50 55

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

-------------------------------------------------------------------------------

35 $3.07 $3.14 $3.20 $3.25 $3.30

40 3.11 3.20 3.28 3.36 3.42

45 3.15 3.25 3.36 3.46 3.56

50 3.17 3.29 3.42 3.56 3.69

55 3.19 3.32 3.47 3.64 3.81

60 3.20 3.34 3.51 3.70 3.92

65 3.21 3.36 3.54 3.75 4.00

70 3.22 3.37 3.56 3.78 4.06

75 3.22 3.38 3.57 3.81 4.11

80 3.23 3.38 3.58 3.82 4.14

<Caption>

AGE OF AGE OF FEMALE PAYEE

MALE PAYEE 60 65 70 75 80

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>

------------------- -----------------------------------------------------

35 $3.33 $3.35 $3.37 $3.39 $3.40

40 3.48 3.52 3.55 3.57 3.59

45 3.64 3.71 3.76 3.80 3.83

50 3.82 3.92 4.01 4.08 4.12

55 3.99 4.16 4.29 4.40 4.48

60 4.15 4.39 4.61 4.79 4.93

65 4.29 4.61 4.94 5.24 5.48

70 4.40 4.80 5.25 5.70 6.12

75 4.48 4.95 5.51 6.15 6.80

80 4.54 5.05 5.71 6.52 7.45

</Table>

FOURTH OPTION -- PAYMENTS FOR A DESIGNATED PERIOD

<Table>

<Caption>

AMOUNT AMOUNT AMOUNT

NO. OF NO. OF NO. OF

OF MONTHLY OF MONTHLY OF MONTHLY

YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

------------------------------------------------------------------------------------------------------------

$17.91 10 $9.61 15 $6.67

6 15.14 11 8.86 16 6.53

7 13.16 12 8.24 17 6.23

8 11.68 13 7.71 18 5.96

9 10.53 14 7.26 19 5.73

</Table>

<Table>

<Caption>

AMOUNT AMOUNT AMOUNT

NO. OF NO. OF NO. OF

OF MONTHLY OF MONTHLY OF MONTHLY

YEARS PAYMENTS YEARS PAYMENTS YEARS PAYMENTS

<S> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C> <C>

---------------------------------------------------------------------------------------------------

20 $5.51 25 $4.71 30 $4.18

21 5.32 26 4.59

22 5.15 27 4.47

23 4.99 28 4.37

24 4.84 29 4.27

</Table>

The monthly payment for any combination of ages not shown will be quoted upon

request.

17

<Page>

SCHEDULE D

Monthly Reinsurance Premium Rates

Exposure Based

Per $1,000 Exposed

[REDACTED]

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE D

SCHEDULE E

Monthly Reporting Format

1. Following the end of each calendar month, the Monthly Input Page,

Fund/Exposure-Based exhibit (Schedule E-2) and the Monthly Transaction Summary

(Schedule E-3) or an exhibit of similar format must be prepared for each

Qualified plan and Non-Qualified plan separately.

2. The tabulation should be on an Adjusted Basis, which requires a separate

tabulation of contracts with purchase amounts in excess of $5.0 million.

3. The tabulation is on a seriatim basis, with each contract contributing

toward the totals for both exposure and aggregate contract value.

4. An exhibit demonstrating the aggregate allocation of contract values by fund

shall be provided each calendar month.

5. At year end reporting, a tabulation of exposures by age and sex based on a

percentage decrease in account value by fund type as specified by the NAIC must

be submitted for reserve purposes.

If Hartford Life is unable to obtain and report to Connecticut General all of

the above requested information, but rather reports estimates of this

information, both parties will work together for an equitable settlement as soon

as the actual information becomes available.

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE E

VARIABLE ANNUITY DEATH BENEFIT

Monthly Input Page, Fund/Exposure-Based

For Contract Years 1 through 7

CONTRACTS ISSUED ON OR AFTER JANUARY 1, 1996

Calendar Year

Reporting Month

<Table>

<Caption>

MALE FEMALE MALE

MALE FEMALE SURRENDER SURRENDER ANNUITY

AGE BAND EXPOSURE* EXPOSURE* VALUE VALUE VALUE

<S> <C> <C> <C> <C> <C>

-----------------------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-70 0 0 0 0 0

70+ 0 0 0 0 0

Total Male/Female

0-70 0 0

70+ 0 0

All Ages 0 0

<Caption>

FEMALE

ANNUITY MALE FEMALE MALE FEMALE

AGE BAND VALUE CLAIMS CLAIMS GMDB GMDB

<S> <C> <C> <C> <C> <C>

------------------- ---------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-70 0 0 0 0 0

70+ 0 0 0 0 0

Total Male/Female

0 0 0

0 0 0

0 0 0

</Table>

[ILLEGIBLE] end of the period values.

[REDACTED]

------------

* Exposure is defined as the GMDB less the surrender value

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-2,

1

VARIABLE ANNUITY DEATH BENEFIT

Monthly Input Page, Fund/Exposure-Based

For Contract Years 1 through 7

CONTRACTS ISSUED ON OR BEFORE DECEMBER 31, 1995

Calendar Year

Reporting Month

<Table>

<Caption>

MALE FEMALE MALE

MALE FEMALE SURRENDER SURRENDER ANNUITY

AGE BAND EXPOSURE* EXPOSURE* VALUE VALUE VALUE

<S> <C> <C> <C> <C> <C>

-----------------------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-69 0 0 0 0 0

70-79 0 0 0 0 0

80+ 0 0 0 0 0

Total Male/Female

0-69 0 0

70-79 0 0

80+ 0 0

All Ages 0 0

<Caption>

FEMALE

ANNUITY MALE FEMALE MALE FEMALE

AGE BAND VALUE CLAIMS CLAIMS GMDB GMDB

<S> <C> <C> <C> <C> <C>

------------------- ---------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-69 0 0 0 0 0

70-79 0 0 0 0 0

80+ 0 0 0 0 0

Total Male/Female

0 0 0

0 0 0

0 0 0

0 0 0

</Table>

[ILLEGIBLE] end of the period values.

[REDACTED]

------------

* Exposure is defined as the GMDB less the surrender value

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-2,

2

VARIABLE ANNUITY DEATH BENEFIT

Monthly Input Page, Fund/Exposure-Based

For Contract Years 8 and Beyond

CONTRACTS ISSUED ON OR AFTER JANUARY 1, 1996

Calendar Year

Reporting Month

<Table>

<Caption>

MALE FEMALE MALE

MALE FEMALE SURRENDER SURRENDER ANNUITY

AGE BAND EXPOSURE* EXPOSURE* VALUE VALUE VALUE

<S> <C> <C> <C> <C> <C>

-------------------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-70 0 0 0 0 0

70+ 0 0 0 0 0

Total

Male/Female

0-70 0 0

70+ 0 0

All Ages 0 0

<Caption>

FEMALE

ANNUITY MALE FEMALE MALE FEMALE

AGE BAND VALUE CLAIMS CLAIMS GMDB GMDB

<S> <C> <C> <C> <C> <C>

--------------- ---------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-70 0 0 0 0 0

70+ 0 0 0 0 0

Total

Male/Female

0 0 0

0 0 0

0 0 0

</Table>

[ILLEGIBLE] end of the period values.

[REDACTED]

------------

* Exposure is defined as the GMDB less the surrender value

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions; Pathmaker SCHEDULE E-2,

3

VARIABLE ANNUITY DEATH BENEFIT

Monthly Input Page, Fund/Exposure-Based

For Contract Years 8 and Beyond

CONTRACTS ISSUED ON OR BEFORE DECEMBER 31, 1995

Calendar Year

Reporting Month

<Table>

<Caption>

MALE FEMALE MALE

MALE FEMALE SURRENDER SURRENDER ANNUITY

AGE BAND EXPOSURE* EXPOSURE* VALUE VALUE VALUE

<S> <C> <C> <C> <C> <C>

------------------------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-69 0 0 0 0 0

70-79 0 0 0 0 0

80+ 0 0 0 0 0

Total

Male/Female

0-69 0 0

70-79 0 0

80+ 0 0

All Ages 0 0

<Caption>

FEMALE

ANNUITY MALE FEMALE MALE FEMALE

AGE BAND VALUE CLAIMS CLAIMS GMDB GMDB

<S> <C> <C> <C> <C> <C>

--------------- ---------------------------------------------------------------

0-34

35-39

40-44

45-49

50-54

55-59

60-64

65-69

70-74

75-79

80-84

85-89

90-94

95-99

Total 0-69 0 0 0 0 0

70-79 0 0 0 0 0

80+ 0 0 0 0 0

Total

Male/Female

0 0 0

0 0 0

0 0 0

0 0 0

</Table>

[ILLEGIBLE] end of the period values.

[REDACTED]

------------

* Exposure is defined as the GMDB less the surrender value

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-2,

4

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 1 through 7

CONTRACTS ISSUED ON OR AFTER JANUARY 1, 1996

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART I.

A. AGES SUBJECT TO EXPOSURE CALCULATION (TO 70)

1 Aggregate Annuity Value (BOM) Prior X-0

0 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

3 Average Annuity Value (1+2)/2 0

4 Minimum Fund-Based Premium Rate [REDACTED]

5 Minimum Premium (4*3) 0

6 Maximum Fund-Based Premium Rate [REDACTED]

7 Maximum Premium (6*3) 0

8 Actual Exposure Premium (BOM) Prior E-2

9 Actual Exposure Premium (EOM) 0 Current E-2

10 Average Exposure Premium (8+9)/2 0

11 Earned Premium [max[5,min(10,7)] 0

12 Advance Premium Current Month (4*2) 0

13 Advance Premium Prior Month Prior E-3

14 Net Premium Due (11+12-13) 0

B. AGES NOT SUBJECT TO EXPOSURE CALCULATION (70+)

15 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

17 Average Annuity Value [(15+16)/2] 0

18 Monthly Fund Based Premium Rate [REDACTED]

19 Monthly Earned Premium [17*18] 0

20 Advance Premium Current Month [16*18] 0

21 Advance Premium Prior Month Prior E-3

22 Net Premium Due [19+20-21] 0

23 Total Part I. Net Premium Due All Ages [14+22] 0

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

1

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 1 through 7

CONTRACTS ISSUED ON OR BEFORE DECEMBER 31, 1995

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART II.

A. AGES SUBJECT TO EXPOSURE CALCULATION (TO 70, 70-79)

[LESS THAN]70 70-79

24 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 0 Current E-2

26 Average Annuity Value (24+25)/2 0 0

27 Minimum Fund-Based Premium Rate [REDACTED]

28 Minimum Premium (27*26) 0 0

29 Maximum Fund-Based Premium Rate [REDACTED]

30 Maximum Premium (29*26) 0 0

31 Actual Exposure Premium (BOM) Prior E-2

32 Actual Exposure Premium (EOM) 0 0 Current E-2

33 Average Exposure Premium 0 0

(31+32)/2

34 Earned Premium 0 0

[max[28,min(33,30)]

35 Advance Premium Current Month 0 0

(27*25)

36 Advance Premium Prior Month Prior E-3

37 Net Premium Due (34+35-36) 0 0

39 Total Net Premium Due Ages [LESS 0

THAN]80 (sum line 37)

B. AGES NOT SUBJECT TO EXPOSURE CALCULATION (80+)

80+

40 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

42 Average Annuity Value [(40+42)/2] 0

43 Minimum Fund-Based Premium Rate [REDACTED]

44 Minimum Premium (43*42) 0

45 Maximum Fund-Based Premium Rate [REDACTED]

46 Maximum Premium (45*42) 0

47 Actual Exposure Premium (BOM)

48 Actual Exposure Premium (EOM) 0

49 Average Exposure Premium 0

(47+48)/2

48 Earned Premium [max[44, 0

min(49,46)]

49 Advance Premium Current Month 0

(43*41)

50 Advance Premium Prior Month

51 Total Net Premium Due Ages 80+ 0

(48+49-50)

52 Total Part II. Net Premium Due 0

All Ages (39+51)

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

2

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 1 through 7

ALL CONTRACTS

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART III.

ACTUAL CLAIMS

53 Monthly Reinsurance Amount 0 Current E-2

PART IV.

NET TRANSACTIONS

54 Premium Due Reinsurer [23+52] 0

55 Monthly Reinsurance Claims [Sum 53] 0

56 Twelfth Month Calendar Year Premium Adjustment Attach explanation

57 Prior Adjustment Attach explanation

58 Amount Due Ceding Company [55-54+56+57] 0

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

3

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 8 and Beyond

CONTRACTS ISSUED ON OR AFTER JANUARY 1, 1996

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART I.

A. AGES SUBJECT TO EXPOSURE CALCULATION (TO 70)

1 Aggregate Annuity Value (BOM) Prior X-0

0 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

3 Average Annuity Value (1+2)/2 0

4 Minimum Fund-Based Premium Rate [REDACTED]

5 Minimum Premium (4*3) 0

6 Maximum Fund-Based Premium Rate [REDACTED]

7 Maximum Premium (6*3) 0

8 Actual Exposure Premium (BOM) Prior E-2

9 Actual Exposure Premium (EOM) 0 Current E-2

10 Average Exposure Premium (8+9)/2 0

11 Earned Premium [max[5,min(10,7)] 0

12 Advance Premium Current Month (4*2) 0

13 Advance Premium Prior Month Prior E-3

14 Net Premium Due (11+12-13) 0

B. AGES NOT SUBJECT TO EXPOSURE CALCULATION (70+)

15 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

17 Average Annuity Value [(15+16)/2] 0

18 Monthly Fund Based Premium Rate [REDACTED]

19 Monthly Earned Premium [17*18] 0

20 Advance Premium Current Month [16*18] 0

21 Advance Premium Prior Month Prior E-3

22 Net Premium Due [19+20-21] 0

23 Total Part I. Net Premium Due All Ages [14+22] 0

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

4

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 8 and Beyond

CONTRACTS ISSUED ON OR BEFORE DECEMBER 31, 1995

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART II.

A. AGES SUBJECT TO EXPOSURE CALCULATION (TO 70, 70-79)

[LESS THAN]70 70-79

24 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 0 Current E-2

26 Average Annuity Value (24+25)/2 0 0

27 Minimum Fund-Based Premium Rate [REDACTED]

28 Minimum Premium (27*26) 0 0

29 Maximum Fund-Based Premium Rate [REDACTED]

30 Maximum Premium (29*26) 0 0

31 Actual Exposure Premium (BOM) Prior E-2

32 Actual Exposure Premium (EOM) 0 0 Current E-2

33 Average Exposure Premium 0 0

(31+32)/2

34 Earned Premium 0 0

[max[28,min(33,30)]

35 Advance Premium Current Month 0 0

(27*25)

36 Advance Premium Prior Month Prior E-3

37 Net Premium Due (34+35-36) 0 0

39 Total Net Premium Due Ages [LESS 0

THAN]80 (sum line 37)

B. AGES NOT SUBJECT TO EXPOSURE CALCULATION (80+)

80+

40 Aggregate Annuity Value (BOM) Prior X-0

00 Xxxxxxxxx Annuity Value (EOM) 0 Current E-2

42 Average Annuity Value [(40+42)/2] 0

43 Minimum Fund-Based Premium Rate [REDACTED]

44 Minimum Premium (43*42) 0

45 Maximum Fund-Based Premium Rate [REDACTED]

46 Maximum Premium (45*42) 0

47 Actual Exposure Premium (BOM)

48 Actual Exposure Premium (EOM) 0

49 Average Exposure Premium 0

(47+48)/2

48 Earned Premium 0

[max[44,min(49,46)]

49 Advance Premium Current Month 0

(43*41)

50 Advance Premium Prior Month

51 Total Net Premium Due Ages 80+ 0

(48+49-50)

52 Total Part II. Net Premium Due 0

All Ages (39+51)

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

5

<Page>

VARIABLE ANNUITY DEATH BENEFIT

Monthly Transcation Summary

For Contract Years 8 and Beyond

ALL CONTRACTS

Calendar Year

Reporting Month

MONTHLY REINSURANCE PREMIUM CALCULATION

PART III.

ACTUAL CLAIMS

53 Monthly Reinsurance Amount 0 Current E-2

PART IV.

NET TRANSACTIONS

54 Premium Due Reinsurer [23+52] 0

55 Monthly Reinsurance Claims [Sum 53] 0

56 Twelfth Month Calendar Year Premium Adjustment Attach explanation

57 Prior Adjustment Attach explanation

58 Amount Due Ceding Company [55-54+56+57] 0

Hartford Life Insurance Company CIGNA Reinsurance

Director; Xxxxxx Capital Manager; August 23, 1996

Select Dimensions, Pathmaker SCHEDULE E-3,

6

AMENDMENT NO.

TO THE

VARIABLE ANNUITY GUARANTEED DEATH BENEFIT REINSURANCE

Dated April 1, 1996

between

Hartford Life Insurance Company

(Hanford, Connecticut)

and

Connecticut General Life Insurance Company

(Hartford, Connecticut)

It is agreed by the two companies:

1. To amend the YRT rates for inforce business; and

2. To amend and substitute the attached Schedule D for the corresponding

Schedule D of this Agreement; and

3. This amendment shall be effective on July 1, 1997.

In witness whereof, this Amendment is signed in duplicate on the dates indicated

at the home office of each company.

HARTFORD LIFE INSURANCE COMPANY

By: /s/ [ILLEGIBLE]

--------------------------------

Date: 12-5, 1997

CONNECTICUT GENERAL LIFE INSURANCE COMPANY

By: /s/ [ILLEGIBLE]

--------------------------------

Date: 7/25/1997

HARTFORD LIFE INSURANCE COMPANY CIGNA REINSURANCE

AMENDMENT NO. 1 TREATY DATED 4/1/96

EFFECTIVE 7/1/97

SCHEDULE D

MONTHLY REINSURANCE PREMIUM RATES

FOR INFORCE BUSINESS AS OF JULY 1, 1997

Exposure Based

Per $1,000 Exposed

[REDACTED]

HARTFORD LIFE INSURANCE COMPANY CIGNA REINSURANCE

AMENDMENT NO. 1 TREATY DATED 4/1/96

EFFECTIVE 7/1/97

SCHEDULE D

AMENDMENT NO. 2

To the Reinsurance Agreement Effective April 1, 1996

Between

Hartford Life Insurance Company

And

Connecticut General Life Insurance Company

Through its Division, CIGNA Reinsurance

It is agreed by the two companies to amend the Agreement as follows:

1 Article II entitled Amounts at Risk shall be amended. Now, therefore, the

following Paragraph A of Article II shall be substituted for the corresponding

Paragraph A of Article II of the Agreement:

ARTICLE II AMOUNTS AT RISK

A. The reinsurance death benefit is the surrender charge plus the excess

of the guaranteed minimum death benefit over the contract surrender

value, if any. At issue, the guaranteed minimum death benefit is

equal to the initial premium. Once every year thereafter, on the

contract anniversary, prior to certificate or contract owner attained

age 81, the guaranteed minimum death benefit is reset to the then

current contract value, if this value exceeds the current guaranteed

minimum death benefit, Please refer to Schedule C for a complete

description of the guaranteed minimum death benefit.

2 All other terms and conditions of the Agreement shall remain in full force

and effect.

In witness whereof this amendment is signed in duplicate on the dates indicated

at the home office of each company.

HARTFORD LIFE INSURANCE COMPANY CONNECTICUT GENERAL LIFE INSURANCE

COMPANY

By: /s/ [ILLEGIBLE] By: /s/ [ILLEGIBLE]

------------------------------ ------------------------------

Date: 8/10/99 Date: 7/26/99

HARTFORD LIFE INSURANCE COMPANY CIGNA REINSURANCE

DIRECTOR; XXXXXX CAPITAL MANAGER; AMENDMENT NO. 2

SELECT DIMENSIONS; PATHMAKER

AMENDMENT NO. 2

To the Reinsurance Agreement Effective April 1, 1996

Between

Hartford Life Insurance Company

And

Connecticut General Life Insurance Company

Through its Division, CIGNA Reinsurance

It is agreed by the two companies to amend the Agreement as follows:

1 Article II entitled Amounts at Risk shall be amended. Now, therefore, the

following Paragraph A of Article II shall be substituted for the corresponding

Paragraph A of Article II of the Agreement:

ARTICLE II AMOUNTS AT RISK

A. The reinsurance death benefit is the surrender charge plus the excess

of the guaranteed minimum death benefit over the contract surrender

value, if any. At issue, the guaranteed minimum death benefit is

equal to the initial premium. Once every year thereafter, on the

contract anniversary, prior to certificate or contract owner attained

age 81, the guaranteed minimum death benefit is reset to the then

current contract value, if this value exceeds the current guaranteed

minimum death benefit, Please refer to Schedule C for a complete

description of the guaranteed minimum death benefit.

2 All other terms and conditions of the Agreement shall remain in full force

and effect.

In witness whereof, this amendment is signed in duplicate on the dates indicated

at the home office of each company.

HARTFORD LIFE INSURANCE COMPANY CONNECTICUT GENERAL LIFE INSURANCE

COMPANY

By: /s/ [ILLEGIBLE] By: /s/ [ILLEGIBLE]

------------------------------ ------------------------------

Date: 8/30/99 Date: 8/19/99

HARTFORD LIFE INSURANCE COMPANY CIGNA REINSURANCE

DIRECTOR; XXXXXX CAPITAL MANAGER; AMENDMENT NO. 2

SELECT DIMENSIONS; PATHMAKER