WESTERN NATIONAL LIFE INSURANCE COMPANY
ADMINISTRATIVE OFFICE: 000 X. 00XX XXXXXX, XXXXXXXX, XXXXX 00000
TELEPHONE: (000) 000-0000
A STOCK COMPANY
WESTERN NATIONAL LIFE INSURANCE COMPANY ("Company"), in consideration of the
payment of the initial Purchase Payment, issued this Contract, subject to its
terms.
RIGHT TO EXAMINE CONTRACT: Within 10 days of the date of receipt of this
Contract by the Owner, it may be returned by delivering or mailing it to the
Company at its Annuity Service Office or to the agent through whom it was
purchased. When this Contract is received by the Company, it will be voided
as if it had never been in force. The Company will refund the Contract Value
as computed at the end of the Valuation Period during which this Contract is
received at the Annuity Service Office. For the 15 days following the Issue
Date, the Purchase Payment will be allocated to the Money Market Sub-Account.
At the end of the 15 days, the Contract Value will be allocated to the
Sub-Accounts of the Separate Account as selected by the Owner.
THIS IS A LEGAL CONTRACT BETWEEN THE OWNER AND THE COMPANY.
READ YOUR CONTRACT CAREFULLY.
/s/ Xxxxxx X. Xxxxxx /s/ Xxxxxxx X. Xxxxxx
-------------------- ----------------------
Xxxxxx X. Xxxxxx Xxxxxxx X. Xxxxxx
SECRETARY PRESIDENT
ANNUITY PAYMENTS, WITHDRAWAL VALUES AND THE DEATH BENEFITS PROVIDED BY THIS
CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE SEPARATE ACCOUNT, ARE
VARIABLE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.
INDIVIDUAL FIXED AND VARIABLE DEFERRED ANNUITY CONTRACT
WITH FLEXIBLE PURCHASE PAYMENTS
DEATH BENEFIT PRIOR TO MATURITY
MONTHLY INCOME AT MATURITY
Nonparticipating
VA76-97
TABLE OF CONTENTS
Page
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CONTRACT SCHEDULE 4
DEFINITIONS 7
PURCHASE PAYMENT PROVISIONS 9
ALLOCATION OF PURCHASE PAYMENTS 9
PURCHASE PAYMENTS 9
SUBSEQUENT PURCHASE PAYMENTS 9
GENERAL ACCOUNT PROVISIONS 9
GENERAL ACCOUNT VALUE 9
INTEREST TO BE CREDITED 9
SEPARATE ACCOUNT PROVISIONS 9
THE SEPARATE ACCOUNT 9
VALUATION OF ASSETS 10
ACCUMULATION UNITS 10
ACCUMULATION UNIT VALUE 10
NET INVESTMENT FACTOR 10
MORTALITY AND EXPENSE RISK CHARGE 11
ADMINISTRATIVE CHARGE 11
MORTALITY AND EXPENSE GUARANTEE 11
CONTRACT MAINTENANCE CHARGE 12
DEDUCTION FOR CONTRACT MAINTENANCE CHARGE 12
TRANSFERS 12
TRANSFERS PRIOR TO THE ANNUITY DATE 12
TRANSFERS DURING THE ANNUITY PERIOD 13
WITHDRAWAL PROVISIONS 13
WITHDRAWALS 13
INCOME TAX CONSEQUENCES 14
PROCEEDS PAYABLE ON DEATH 14
DEATH OF OWNER DURING THE ACCUMULATION PERIOD 14
DEATH BENEFIT AMOUNT DURING THE ACCUMULATION PERIOD 14
DEATH BENEFIT OPTIONS DURING THE ACCUMULATION PERIOD 15
DEATH OF OWNER DURING THE ANNUITY PERIOD 15
DEATH OF ANNUITANT 15
PAYMENT OF DEATH BENEFIT 15
BENEFICIARY 16
CHANGE OF BENEFICIARY 16
VA76-97 2
SUSPENSION OR DEFERRAL OF PAYMENTS PROVISION 17
ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS 17
ANNUITANT 17
OWNER 17
JOINT OWNER 17
ASSIGNMENT OF THE CONTRACT 17
ANNUITY PROVISIONS 18
GENERAL 18
ANNUITY DATE 18
SELECTION OF AN ANNUITY OPTION 18
FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS 18
ANNUITY OPTIONS 18
OPTION A. LIFE ANNUITY 18
OPTION B. LIFE ANNUITY WITH PERIODS CERTAIN 18
OPTION C. JOINT AND SURVIVOR ANNUITY 19
ANNUITY 19
FIXED ANNUITY 19
VARIABLE ANNUITY 19
ANNUITY UNIT 20
MORTALITY TABLES 20
GENERAL PROVISIONS 20
THE CONTRACT 20
MISSTATEMENT OF AGE OR SEX 20
INCONTESTABILITY 20
MODIFICATION 21
NON-PARTICIPATING 21
EVIDENCE OF SURVIVAL 21
PROOF OF AGE 21
PROTECTION OF PROCEEDS 21
REPORTS 21
TAXES 21
REGULATORY REQUIREMENTS 21
ANNUITY TABLES 22
VA76-97 2
CONTRACT SCHEDULE
OWNER: [Xxxx Xxxxx] AGE AND SEX: [50 male]
ANNUITANT: [Xxxx Xxxxx] AGE AND SEX: [50 male]
CONTRACT NUMBER: [12345] ISSUE DATE: [July 01, 1995]
ANNUITY DATE: [July 01, 2009]
PURCHASE PAYMENTS:
MINIMUM INITIAL PURCHASE PAYMENT: [$50,000]
MINIMUM SUBSEQUENT PURCHASE PAYMENT: [$5,000]
MAXIMUM TOTAL PURCHASE PAYMENTS: [$1,000,000 without Company
approval]
ALLOCATION RULES:
1. The maximum number of Sub-Accounts that can be selected by an Owner is 20.
2. Allocations must be in whole percentages with a minimum allocation of 10%
of each Purchase Payment or transfer.
BENEFICIARY:
As designated by the Owner at the Issue Date, unless subsequently changed.
CONTRACT MAINTENANCE CHARGE:
The Contract Maintenance Charge is $30 each Contract Year, unless reduced as
specified in the Contract. However, during the Accumulation Period, if the
Contract Value on the Contract Anniversary is at least $250,000, then no
Contract Maintenance Charge is deducted. If a total withdrawal is made on
other than a Contract Anniversary and the Contract Value for the Valuation
Period during which the total withdrawal is made is less than $250,000, the
full Contract Maintenance Charge will be deducted at the time of the total
withdrawal. During the Annuity Period, the Contract Maintenance Charge will
be deducted pro rata from Annuity Payments regardless of Contract size and
will result in a reduction of each Annuity Payment.
MORTALITY AND EXPENSE RISK CHARGE:
Equal on an annual basis to 0.62% of the average daily net asset value of the
Separate Account.
ADMINISTRATIVE CHARGE:
Equal on an annual basis to 0.04% of the average daily net asset value of the
Separate Account.
TRANSFERS:
NUMBER OF TRANSFERS: Owners are permitted a maximum of 12 transfers during any
Contract Year during the Accumulation Period and six transfers during any
Contract Year during the Annuity Period. Transfers are not subject to a
transfer fee.
MINIMUM AMOUNT TO BE TRANSFERRED: $500 (from (i) any Sub-Account or (ii) the
General Account), or the Owner's entire interest in the Sub-Account or the
General Account, if less.
MINIMUM AMOUNT WHICH MUST REMAIN IN A SUB-ACCOUNT AFTER A TRANSFER: $500 per
Sub-Account; or $0 if the entire amount in the Sub-Account is transferred.
MINIMUM AMOUNT WHICH MUST REMAIN IN THE GENERAL ACCOUNT AFTER A TRANSFER:
$500; or $0 if the entire amount in the General Account is transferred.
MAXIMUM AMOUNT WHICH CAN BE TRANSFERRED FROM THE GENERAL ACCOUNT TO THE
SEPARATE ACCOUNT DURING THE ACCUMU-LATION PERIOD: Each Contract Year 20% of
the Owner's Contract Value in the General Account as of the last Contract
Anniversary.
WITHDRAWALS:
MINIMUM PARTIAL WITHDRAWAL: $500 per Sub-Account or the General Account
MINIMUM CONTRACT VALUE WHICH MUST REMAIN IN THE CONTRACT AFTER A PARTIAL
WITHDRAWAL: $5,000
INVESTMENT OPTIONS AND SUB-ACCOUNTS:
-----------------------------------------------------------------------------------------------------------------|
|WNL SERIES TRUST |
| PORTFOLIOS SUB-ACCOUNTS |
| BlackRock Managed Bond Portfolio BlackRock Managed Bond Sub-Account |
| EliteValue Asset Allocation Portfolio EliteValue Asset Allocation Sub-Account |
| Global Advisors Money Market Portfolio Global Advisors Money Market Sub-Account |
| |
|HOTCHKIS AND WILEY FUNDS |
| PORTFOLIOS SUB-ACCOUNTS |
| Hotchkis and Wiley International Value Equity Fund Hotchkis and Wiley International Value Equity Sub-Account |
| Hotchkis and Wiley Low Duration Fund Hotchkis and Wiley Low Duration Sub-Account |
| |
|NAVELLIER VARIABLE INSURANCE SERIES TRUST |
| PORTFOLIOS SUB-ACCOUNTS |
| Navellier Growth Portfolio Navellier Growth Sub-Account |
-----------------------------------------------------------------------------------------------------------------|
SEPARATE ACCOUNT: WNL Separate Account A
MINIMUM GUARANTEED INTEREST RATE FOR THE GENERAL ACCOUNT: 3% per year
RIDERS: [IRA Endorsement]
[TSA/403(b) Endorsement]
ANNUITY SERVICE OFFICE:
Western National Life Insurance Company
Annuity Service Office
000 Xxxx Xxxxx Xxxxxx
Xxxxxxxx, Xxxxx 00000
(000) 000-0000
DEFINITIONS
ACCUMULATION PERIOD: The period during which Purchase Payments may be made
prior to the Annuity Date.
ACCUMULATION UNIT: A unit of measure used to determine the value of the
Owner's interest in a Sub-Account of the Separate Account during the
Accumulation Period.
ADJUSTED CONTRACT VALUE: The Contract Value less any applicable premium tax.
This amount is applied to the applicable Annuity Tables to determine Annuity
Payments.
AGE: The age of any Owner or Annuitant on his/her last birthday.
ANNUITANT: The natural person on whose life Annuity Payments are based. On or
after the Annuity Date, the Annuitant shall also include any Joint Annuitant.
ANNUITY DATE: The date on which Annuity Payments begin. The Annuity Date is
shown on the Contract Schedule.
ANNUITY OPTIONS: Options available for Annuity Payments.
ANNUITY PAYMENTS: The series of payments made to the Owner or any named payee
after the Annuity Date under the Annuity Option selected.
ANNUITY PERIOD: The period of time beginning with the Annuity Date during
which Annuity Payments are made.
ANNUITY SERVICE OFFICE: The office indicated on the Contract Schedule of this
Contract to which notices, requests and Purchase Payments must be sent. All
sums payable by the Company under this Contract are payable only at the
Annuity Service Office.
ANNUITY UNIT: A unit of measure used to calculate Variable Annuity Payments
during the Annuity Period.
BENEFICIARY: The person(s) or entity(ies) who will receive the death benefit.
COMPANY: Western National Life Insurance Company.
CONTRACT ANNIVERSARY: An anniversary of the Issue Date.
CONTRACT VALUE: The sum of the Owner's interest in the General Account and
the Sub-Accounts of the Separate Account during the Accumulation Period.
CONTRACT YEAR: The first Contract Year is the annual period which begins on
the Issue Date. Subsequent Contract Years begin on each anniversary of the
Issue Date.
FIXED ANNUITY: A series of payments made during the Annuity Period which are
guaranteed as to dollar amount by the Company.
GENERAL ACCOUNT: The Company's general investment account which contains all
the assets of the Company with the exception of the Separate Account and other
segregated asset accounts.
INVESTMENT OPTION: An investment entity shown on the Contract Schedule.
ISSUE DATE: The date on which the Contract became effective. The Issue Date
is shown on the Contract Schedule.
OWNER: The person or entity entitled to the ownership rights stated in this
Contract.
PORTFOLIO: A segment of an Investment Option which constitutes a separate
and distinct class of shares. Portfolios which are available for investment
by the Sub-Accounts under this Contract are shown on the Contract Schedule.
PURCHASE PAYMENT: A payment made by or on behalf of an Owner with respect to
this Contract.
SEPARATE ACCOUNT: The Company's Separate Account designated on the Contract
Schedule.
SUB-ACCOUNT: Separate Account assets are divided into Sub-Accounts which are
listed on the Contract Schedule. Assets of each Sub-Account will be invested
in shares of an Investment Option or a Portfolio of an Investment Option.
VALUATION DATE: Each day on which the Annuity Service Office and the New York
Stock Exchange ("NYSE") are open for business.
VALUATION PERIOD: The period of time beginning at the close of business of
the NYSE on each Valuation Date and ending at the close of business for the
next succeeding Valuation Date.
VARIABLE ANNUITY: An annuity with payments which vary as to dollar amount in
relation to the investment performance of specified Sub-Accounts of the
Separate Account.
WRITTEN REQUEST: A request in writing, in a form satisfactory to the Company,
which is received by the Annuity Service Office.
PURCHASE PAYMENT PROVISIONS
ALLOCATION OF PURCHASE PAYMENTS : Purchase Payments are allocated to the
General Account and/or the Sub-Accounts of the Separate Account in accordance
with the selections made by the Owner. The allocation of the initial Purchase
Payment is made in accordance with the selection made by the Owner at the
Issue Date and subject to the Allocation Rules set forth on the Contract
Schedule. Unless otherwise changed by the Owner, subsequent Purchase Payments
are allocated in the same manner as the initial Purchase Payment. Allocation
of the Purchase Payments is subject to the terms and conditions imposed by the
Company. The Company has reserved the right to allocate the initial Purchase
Payment to the Money Market Sub-Account until the expiration of the Right to
Examine Contract period.
PURCHASE PAYMENTS : The initial Purchase Payment is due on the Issue Date.
The minimum and maximum subsequent Purchase Payments are shown on the Contract
Schedule.
SUBSEQUENT PURCHASE PAYMENTS : Subject to the minimum and maximum shown on
the Contract Schedule, the Owner may make subsequent Purchase Payments and may
increase or decrease or change the frequency of such payments.
GENERAL ACCOUNT PROVISIONS
GENERAL ACCOUNT VALUE : The General Account value of the Contract at any time
is equal to:
1. the Purchase Payments allocated to the General Account; plus
2. the Contract Value transferred to the General Account; plus
3. interest credited to the Contract Value in the General Account; less
4. any prior partial withdrawals from the General Account; less
5. any Contract Value transferred from the General Account; less
6. any applicable premium taxes or Contract Maintenance Charge
deducted from the General Account.
INTEREST TO BE CREDITED : The Company guarantees that the interest rate
credited to the General Account will not be less than the Minimum Guaranteed
Interest Rate for the General Account shown on the Contract Schedule. The
Company may credit additional interest at its sole discretion.
SEPARATE ACCOUNT PROVISIONS
THE SEPARATE ACCOUNT : The Separate Account is designated on the Contract
Schedule and consists of assets set aside by the Company, which are kept
separate from the general assets and all other separate account assets of the
Company. The assets of the Separate Account equal to reserves and other
liabilities will not be charged with liabilities arising out of any other
business the Company may conduct.
The Separate Account assets are divided into Sub-Accounts. The Sub-Accounts
which are available under this Contract are listed on the Contract Schedule.
The assets of the Sub-Accounts are allocated to the Investment Option(s) and
the Portfolio(s), if any, within an Investment Option, shown on the Contract
Schedule. The Company may, from time to time, add additional Investment
Options or Portfolios and the related Sub-Accounts to those shown on the
Contract Schedule. The Owner may be permitted to transfer Contract Values or
allocate Purchase Payments to the additional Sub-Accounts. However, the right
to make such transfers or allocations will be limited by the terms and
conditions imposed by the Company.
Should the shares of any such Investment Option(s) or any Portfolio(s) within
an Investment Option become unavailable for investment by the Separate
Account, or the Company's Board of Directors deems further investment in these
shares inappropriate, the Company may limit further purchase of such shares or
may substitute shares of another Investment Option or Portfolio for shares
already purchased under this Contract.
VALUATION OF ASSETS : The assets of the Separate Account are valued at their
fair market value in accordance with the procedures of the Company.
ACCUMULATION UNITS : Accumulation Units shall be used to account for all
amounts allocated to or withdrawn from the Sub-Accounts of the Separate
Account as a result of Purchase Payments, withdrawals, transfers, or fees and
charges. The Company will determine the number of Accumulation Units of a
Sub-Account purchased or cancelled. This will be done by dividing the amount
allocated to (or the amount withdrawn from) the Sub-Account by the dollar
value of one Accumulation Unit of the Sub-Account as of the end of the
Valuation Period during which the request for the transaction is received at
the Annuity Service Office.
ACCUMULATION UNIT VALUE : Accumulation Unit Values for each Sub-Account are
determined by multiplying the Accumulation Unit Value for the immediately
preceding Valuation Period by the Net Investment Factor for the Sub-Account
for the current period.
NET INVESTMENT FACTOR: The Net Investment Factor for each Sub-Account is
determined by dividing A by B and subtracting C where:
A is (i) the net asset value per share of the Investment Options or
Portfolios of an Investment Option held by the Sub-Account for the current
Valuation Period; plus
(ii) any dividend per share declared on behalf of such Investment
Option or Portfolio that has an ex-dividend date within the current Valuation
Period; less
(iii) the cumulative per share charge or credit for taxes reserved
which is determined by the Company to have resulted from the operation or
maintenance of the Sub-Account.
B is the net asset value per share of the Investment Option or
Portfolio of an Investment Option held by the Sub-Account for the immediately
preceding Valuation Period; plus or minus the cumulative per share charge or
credit for taxes reserved for the immediately preceding Valuation Date.
C is the factor representing the cumulative per share charges for the
Mortality and Expense Risk Charge and the Administrative Charge, which are
shown on the Contract Schedule.
The dollar amount of the Contract Value, Annuity Payments and death benefit
provided in this Contract may increase or decrease from Valuation Period to
Valuation Period.
MORTALITY AND EXPENSE RISK CHARGE : Each Valuation Period, the Company
deducts a Mortality and Expense Risk Charge from the Separate Account which is
equal, on an annual basis, to the amount shown on the Contract Schedule. The
Mortality and Expense Risk Charge compensates the Company for assuming the
mortality and expense risks under this Contract.
ADMINISTRATIVE CHARGE : Each Valuation Period, the Company deducts an
Administrative Charge from the Separate Account which is equal, on an annual
basis, to the amount shown on the Contract Schedule. The Administrative
Charge compensates the Company for the costs associated with the
administration of this Contract and the Separate Account.
MORTALITY AND EXPENSE GUARANTEE : The Company guarantees that the dollar
amount of the Contract Value, Annuity Payments and death benefit provided in
this Contract will not be affected by variations in mortality or expense
experience.
CONTRACT MAINTENANCE CHARGE
DEDUCTION FOR CONTRACT MAINTENANCE CHARGE : The Contract Maintenance Charge is
shown on the Contract Schedule. On each Contract Anniversary the Company will
deduct a Contract Maintenance Charge from the Contract Value by subtracting
values from the General Account and/or by cancelling Accumulation Units from
each applicable Sub-Account to reimburse it for expenses relating to
maintenance of this Contract. The Contract Maintenance Charge will be
deducted from the General Account and the Sub-Accounts in the Separate Account
in the same proportion that the amount of Contract Value in the General
Account and each Sub-Account bears to the total Contract Value. However,
during the Accumulation Period, if no Purchase Payment has been received
during a Contract Year, that portion of the Contract Maintenance Charge that
is deducted from the General Account will be the lesser of the excess interest
over the minimum guaranteed interest credited to the General Account during
the Contract Year and the otherwise allocated portion of the Contract
Maintenance Charge, not to exceed the Contract Maintenance Charge shown on the
Contract Schedule. During the Accumulation Period the Contract Maintenance
Charge will be deducted from the Contract Value on each Contract Anniversary
while this Contract is in force. If a total withdrawal is made on other than a
Contract Anniversary, the Contract Maintenance Charge will be deducted at the
time of withdrawal. During the Annuity Period, the Contract Maintenance Charge
will be deducted from Annuity Payments and will result in a reduction of each
Annuity Payment.
TRANSFERS
TRANSFERS PRIOR TO THE ANNUITY DATE : Subject to the limitations imposed by
the Company on the number of transfers, shown on the Contract Schedule, that
can be made during the Accumulation Period, the Owner may transfer all or
part of the Owner's Contract Value by Written Request. All transfers are
subject to the following:
1. The minimum amount which can be transferred from a Sub-Account or
the General Account is shown on the Contract Schedule. The minimum amount
which must remain in a Sub-Account or the General Account is shown on the
Contract Schedule.
2. The maximum amount which can be transferred each Contract Year
from the General Account to the Separate Account is shown on the Contract
Schedule.
3. Transfers from any Sub-Account to the General Account may not be
made for the six month period following any transfer from the General Account
into one or more of the Sub-Accounts.
If the Owner elects to use this transfer privilege, the Company will not be
liable for transfers made in accordance with the Owner's instructions. All
amounts and Accumulation Units will be determined as of the end of the
Valuation Period during which the request for transfer is received at the
Annuity Service Office.
TRANSFERS DURING THE ANNUITY PERIOD : Subject to the limitations imposed by
the Company on the number of transfers shown on the Contract Schedule that can
be made during the Annuity Period, the Owner may transfer all or part of the
Owner's Contract Value by Written Request. All transfers are subject to the
following:
1. The Owner may make transfers of Contract Values between
Sub-Accounts, subject to the limitations shown on the Contract Schedule.
2. The Owner may, once each Contract Year, make a transfer from one
or more Sub-Accounts to the General Account. The Owner may not make a
transfer from the General Account to the Separate Account.
3. Transfers between Sub-Accounts will be made by converting the
number of Annuity Units being transferred to the number of Annuity Units of
the Sub-Account to which the transfer is made, so that the next Annuity
Payment if it were made at that time would be the same amount that it would
have been without the transfer. Thereafter, Annuity Payments will reflect
changes in the value of the new Annuity Units.
Transfers to the General Account will be made by converting the
Annuity Units being transferred to purchase fixed Annuity Payments under the
Annuity Option in effect and based on the Age of the Annuitant at the time of
the transfer.
4. The minimum amount which can be transferred from a Sub-Account or
the General Account is shown on the Contract Schedule. The minimum amount
which must remain in a Sub-Account or the General Account is shown on the
Contract Schedule.
If the Owner elects to use this transfer privilege, the Company will not be
liable for transfers made in accordance with the Owner's instructions. All
amounts and Annuity Unit Values will be determined as of the end of the
Valuation Period during which the request for transfer is received at the
Annuity Service Office.
WITHDRAWAL PROVISIONS
WITHDRAWALS : During the Accumulation Period, the Owner may, upon Written
Request, make a total or partial withdrawal of the Contract Withdrawal Value.
The Contract Withdrawal Value is:
1. the Contract Value as of the end of the Valuation Period during which a
Written Request for a withdrawal is received by the Company; less
2. any applicable taxes not previously deducted; less
3. the Contract Maintenance Charge, if any.
A withdrawal will result in the cancellation of Accumulation Units from each
applicable Sub-Account or a reduction in the Owner's General Account Contract
Value. The Owner must specify by Written Request in advance which Sub-Account
Units are to be cancelled or values are to be reduced.
The Company will pay the amount of any withdrawal from the Separate Account
within seven (7) days of receipt of Written Request unless the Suspension or
Deferral of Payments Provision is in effect.
Each partial withdrawal must be for an amount which is not less than the
Minimum Partial Withdrawal amount shown on the Contract Schedule. The minimum
values which must remain in the Contract after a partial withdrawal are shown
on the Contract Schedule.
INCOME TAX CONSEQUENCES
Withdrawals from this Contract may be subject to federal and state income
taxes. The taxable portion of withdrawals taken before the Owner reaches age
59-1/2 may be subject to a 10% federal income tax penalty. State income tax
penalties may also apply. Consult your tax advisor regarding your specific
situation.
PROCEEDS PAYABLE ON DEATH
DEATH OF OWNER DURING THE ACCUMULATION PERIOD : Upon the death of any Owner,
during the Accumulation Period, the death benefit will be paid to the
Beneficiary(ies). Upon the death of any Joint Owner, the surviving Joint
Owner(s), if any, will be treated as the primary Beneficiary(ies). Any other
Beneficiary designation on record at the time of death will be treated as a
contingent Beneficiary.
A Beneficiary may request that the death benefit be paid under one of the
Death Benefit Options below. If the Beneficiary is the spouse of the Owner he
or she may elect to continue the Contract at the then current Contract Value
in his or her own name and exercise all the Owner's rights under the Contract.
DEATH BENEFIT AMOUNT DURING THE ACCUMULATION PERIOD : For a death occurring
prior to the 80th birthday of the Owner, or the oldest Joint Owner, the death
benefit during the Accumulation Period will be the greater of:
1. the Purchase Payments, less any withdrawals; or
2.the Contract Value determined as of the end of the Valuation Period
during which the Company receives at its Annuity Service Office both due proof
of death and an election of the payment method.
For a death occurring on or after the 80th birthday of the Owner, or the
oldest Joint Owner, the death benefit during the Accumulation Period will be
the Contract Value determined as of the end of the Valuation Period during
which the Company receives at its Annuity Service Office both due proof of
death and an election of the payment method.
DEATH BENEFIT OPTIONS DURING THE ACCUMULATION PERIOD : A non-spousal
Beneficiary must elect the death benefit to be paid under one of the following
options in the event of the death of the Owner, or any Joint Owner, during the
Accumulation Period:
OPTION 1 - lump sum payment of the death benefit; or
OPTION 2 - the payment of the entire death benefit within five years of the
date of death; or
OPTION 3 - payment of the death benefit under an Annuity Option over the
lifetime of the Beneficiary or over a period not extending beyond the life
expectancy of the Beneficiary with distribution beginning within one year of
the date of death of the Owner or any Joint Owner.
Any portion of the death benefit not applied under Option 3 within one year of
the date of death, must be distributed within five years of the date of death.
A spousal Beneficiary may elect to continue the Contract in his or her own
name at the then current Contract Value, elect a lump sum payment of the death
benefit or apply the death benefit to an Annuity Option.
If a lump sum payment is requested, the amount will be paid upon receipt of
proof of death and the election. If no election has been received at the
Annuity Service Office within 60 days from the date proof of death was
received at the Annuity Service Office, the election will be deemed to be
Option 1.
DEATH OF OWNER DURING THE ANNUITY PERIOD : If the Owner, or a Joint Owner,
who is not the Annuitant, dies during the Annuity Period, any remaining
payments under the Annuity Option elected will continue at least as rapidly as
under the method of distribution in effect at such Owner's death. Upon the
death of the last surviving Owner during the Annuity Period, the
Beneficiary(ies) becomes the Owner.
DEATH OF ANNUITANT : Upon the death of an Annuitant who is not the Owner,
during the Accumulation Period, the Owner may designate a new Annuitant,
subject to the Company's underwriting rules then in effect. If no designation
is made within 30 days of the death of the Annuitant, the Owner will become
the Annuitant. If the Owner is a non-natural person, the death of the
Annuitant will be treated as the death of the Owner and a new Annuitant may
not be designated.
Upon the death of the Annuitant during the Annuity Period, the death benefit,
if any, will be as specified in the Annuity Option elected. Death benefits
will be paid at least as rapidly as under the method of distribution in effect
at the Annuitant's death.
PAYMENT OF DEATH BENEFIT : The Company will require due proof of death before
any death benefit is paid. Due proof of death will be:
1. a certified death certificate;
2. a certified decree of a court of competent jurisdiction as to the finding
of death; or
3. any other proof satisfactory to the Company.
All death benefits will be paid in accordance with applicable law or
regulations governing death benefit payments.
BENEFICIARY : The Beneficiary designation in effect on the Issue Date will
remain in effect until changed. The Beneficiary is entitled to receive the
benefits to be paid at the death of the Owner.
Unless the Owner provides otherwise, the death benefit will be paid in equal
shares to the survivor(s) as follows:
1. to the Primary Beneficiary(ies) who survive the Owner's and/or the
Annuitant's death, as applicable; or if there are none
2. to the Contingent Beneficiary(ies) who survive the Owner's and/or the
Annuitant's death, as applicable; or if there are none
3. to the estate of the Owner.
CHANGE OF BENEFICIARY : Subject to the rights of any irrevocable
Beneficiary(ies), the Owner may change the Primary Beneficiary(ies) or
Contingent Beneficiary(ies). Any change must be made by Written Request. The
change will take effect as of the date the Written Request is signed. The
Company will not be liable for any payment made or action taken before it
records the change.
SUSPENSION OR DEFERRAL OF PAYMENTS PROVISION
The Company reserves the right to suspend or postpone payments for a
withdrawal or transfer for any period when:
1. the New York Stock Exchange is closed (other than customary
weekend and holiday closings);
2. trading on the New York Stock Exchange is restricted;
3. an emergency exists as a result of which disposal of securities held in
the Separate Account is not reasonably practicable or it is not
reasonably practicable to determine the value of the Separate
Account's net assets; or
4. during any other period when the Securities and Exchange
Commission, by order, so permits for the protection of Owners;
provided that applicable rules and regulations of the Securities and Exchange
Commission will govern as to whether the conditions described in (2) and (3)
exist.
The Company further reserves the right to postpone payments from the General
Account for a period not to exceed six months.
ANNUITANT, OWNERSHIP, ASSIGNMENT PROVISIONS
ANNUITANT : The Annuitant is the person on whose life Annuity Payments are
based. The Annuitant is the person designated by the Owner at the Issue Date,
unless changed prior to the Annuity Date. The Annuitant may not be changed in
a Contract which is owned by a non-natural person. Any change of Annuitant is
subject to the Company's underwriting rules then in effect.
OWNER : The Owner has all rights and may receive all benefits under this
Contract. The Owner is the person designated as such on the Issue Date,
unless changed.
The Owner may change owners at any time prior to the Annuity Date by Written
Request. A change of Owner will automatically revoke any prior designation of
Owner. The change will become effective as of the date the Written Request is
signed. A new designation of Owner will not apply to any payment made or
action taken by the Company prior to the time it was received. An Ownership
Change may be a taxable transaction. Consult your tax advisor.
JOINT OWNER : The Contract can be owned by Joint Owners. Upon the death of
either Owner, the surviving Owner will be the Primary Beneficiary. Any other
Beneficiary designation will be treated as a Contingent Beneficiary unless
otherwise indicated in a Written Request.
ASSIGNMENT OF THE CONTRACT : A Written Request specifying the terms of an
assignment of this Contract must be provided to the Annuity Service Office.
Until the Written Request is received, the Company will not be required to
take notice of or be responsible for any transfer of interest in this Contract
by assignment, agreement, or otherwise.
An assignment may be a taxable transaction. Consult your tax advisor. The
Company will not be responsible for the validity or tax consequences of any
assignment. Any assignment made after the death benefit has become payable
will be valid only with Company consent.
If this Contract is assigned, the Owner's rights may only be exercised with
the consent of the assignee of record.
ANNUITY PROVISIONS
GENERAL : On the Annuity Date, the Adjusted Contract Value will be applied
under the Annuity Option selected by the Owner. Annuity Payments may be made
on a fixed or variable basis or both.
ANNUITY DATE : The Annuity Date is selected by the Owner at the Issue Date.
The Annuity Date is shown on the Contract Schedule. The Annuity Date must be
the first day of a calendar month and must be at least five years after the
Issue Date. The Annuity Date may not be later than that required under state
law.
Prior to the Annuity Date, the Owner, subject to the above, may change the
Annuity Date by Written Request. Any change must be requested at least
fifteen (15) days prior to the new Annuity Date.
SELECTION OF AN ANNUITY OPTION : An Annuity Option is selected by the Owner
on the forms provided by the Company. If no Annuity Option is selected,
Option B with 120 months guaranteed will automatically be applied. Prior to
the Annuity Date, the Owner can change the Annuity Option selected by Written
Request. Any change must be requested at least fifteen (15) days prior to the
Annuity Date.
FREQUENCY AND AMOUNT OF ANNUITY PAYMENTS : Annuity Payments may be paid in
monthly, quarterly, semi-annual or annual installments. The Adjusted
Contract Value is applied to the Annuity Table for the Annuity Options
selected. If the Adjusted Contract Value to be applied under an Annuity
Option is less than $5,000, the Company reserves the right to make a lump sum
payment in lieu of Annuity Payments. If the Annuity Payment would be or
becomes less than $500 where only a Fixed Annuity Payment or a Variable
Annuity is selected, or if the Annuity Payment would be or becomes less than
$250 on each basis when a combination of Fixed and Variable Annuities is
selected, the Company will reduce the frequency of payments to an interval
which will result in each payment being at least $500, or $250 on each basis
if a combination of Fixed and Variable Annuities is selected.
ANNUITY OPTIONS : The following Annuity Options or any other Annuity Option
acceptable to the Company may be selected:
OPTION A. LIFE ANNUITY : Monthly Annuity Payments during the life of the
Annuitant.
OPTION B. LIFE ANNUITY WITH PERIODS CERTAIN OF 60, 120, 180 OR 240 MONTHS:
Monthly Annuity Payments during the lifetime of the Annuitant and in any event
for sixty (60), one hundred twenty (120), one hundred eighty (180) or two
hundred forty (240) months certain as selected.
OPTION C. JOINT AND SURVIVOR ANNUITY : Monthly Annuity Payments payable
during the joint lifetime of the Annuitant and a Joint Annuitant and then
during the lifetime of the survivor at the percentage (100%, 75%, 66 2/3% or
50%) selected.
Annuity Options A, B, and C are available on a Fixed Annuity basis, a Variable
Annuity basis or a combination of both. Election of a Fixed Annuity or a
Variable Annuity must be made no later than fifteen (15) days prior to the
Annuity Date. If no election is made, the Annuity will be paid to reflect the
allocation of the Contract Value on the Annuity Date between the Separate
Account and the General Account, if any.
ANNUITY : If the Owner selects a Fixed Annuity, the Adjusted Contract Value
is allocated to the General Account and the Annuity is paid as a Fixed
Annuity. If the Owner selects a Variable Annuity, the Adjusted Contract Value
will be allocated to the Sub-Accounts of the Separate Account in accordance
with the selection made by the Owner, and the Annuity will be paid as a
Variable Annuity. The Owner can also select a combination of a Fixed and
Variable Annuity and the Adjusted Contract Value will be allocated
accordingly. Unless the Owner specifies otherwise, the payee of the Annuity
Payments shall be the Annuitant and any Joint Annuitant.
The Adjusted Contract Value will be applied to the applicable Annuity Table
contained in the Contract based upon the Annuity Option selected by the Owner.
The amount of the first payment for each $1,000 of Adjusted Contract Value is
shown in the Annuity Tables. If, as of the Annuity Date, the current Annuity
Option rates applicable to this class of contracts provide an initial Annuity
Payment greater than that guaranteed under the same Annuity Option under this
Contract, the greater payment will be made.
FIXED ANNUITY : The Owner may elect to have the Adjusted Contract Value
applied to provide a Fixed Annuity. The dollar amount of each Fixed Annuity
Payment shall be determined in accordance with Annuity Tables contained in
this Contract which are based on the minimum guaranteed interest rate of 3%
per year. After the initial Fixed Annuity Payment, the payments will not
change regardless of investment, mortality or expense experience.
VARIABLE ANNUITY : Variable Annuity Payments reflect the investment
performance of the Separate Account in accordance with the allocation of the
Adjusted Contract Value to the Sub-Accounts during the Annuity Period.
Variable Annuity Payments are not guaranteed as to dollar amount.
The dollar amount of the first Variable Annuity Payment is determined in
accordance with the description above. The dollar amount of Variable Annuity
Payments for each applicable Sub-Account after the first Variable Annuity
Payment is determined as follows:
1. The dollar amount of the first Variable Annuity Payment is divided
by the value of an Annuity Unit for each applicable Sub-Account as of the
Annuity Date. This sets the number of Annuity Units for each monthly payment
for the applicable Sub-Account. The number of Annuity Units for each
applicable Sub-Account remains fixed during the Annuity Period;
2. The fixed number of Annuity Units per payment in each Sub-Account
is multiplied by the Annuity Unit Value for that Sub-Account for the last
Valuation Period of the month preceding the month for which the payment is
due. This result is the dollar amount of the payment for each applicable
Sub-Account.
The total dollar amount of each Variable Annuity Payment is the sum of all
Sub-Account Variable Annuity Payments reduced by the applicable portion of the
Contract Maintenance Charge.
ANNUITY UNIT : The Sub-Account Annuity Unit Value at the end of any Valuation
Period is determined as follows:
1. The Net Investment Factor for the current Valuation Period is
multiplied by the value of the Annuity Unit for the Sub-Account for the
immediately preceding Valuation Period.
2. The result in (1) is then divided by the Assumed Investment Rate
Factor which equals 1.00 plus the Assumed Investment Rate for the number of
days since the preceding Valuation Date. The Assumed Investment Rate is equal
on an annual basis to 3%.
The dollar amount of each Variable Annuity Payment may increase or decrease
from Valuation Period to Valuation Period.
MORTALITY TABLES : The Annuity Tables contained in this Contract utilize an
Assumed Investment Rate of 3% for the determination of the initial Variable
Annuity Payment and a minimum guaranteed rate of 3% per year for the
determination of the monthly Fixed Annuity Payment.
The mortality table used in determining the Annuity Purchase Rates for Options
A, B, and C is the 1983 Individual Annuity Mortality Tables with age last
birthday.
The dollar amount of an Annuity Payment for any Age or combination of Ages not
shown in the Tables or for any other form of Annuity Option agreed to by the
Company will be provided by the Company upon request.
GENERAL PROVISIONS
THE CONTRACT : The entire Contract consists of this Contract, the
Application, if any, and any riders or endorsements attached to this Contract.
This Contract may be changed or altered only by an authorized officer of the
Company. A change or alteration must be made in writing.
MISSTATEMENT OF AGE OR SEX : If the Age or sex of any Annuitant has been
misstated, any Annuity benefits payable will be the Annuity benefits provided
by the correct Age and sex. After Annuity Payments have begun, any
underpayments will be made up in one sum with the next Annuity Payment. Any
overpayments will be deducted from future Annuity Payments until the total is
repaid.
INCONTESTABILITY : The Contract is incontestable.
MODIFICATION : This Contract may be modified in order to maintain compliance
with applicable state and federal law.
NON-PARTICIPATING : This Contract will not share in any distribution of
dividends.
EVIDENCE OF SURVIVAL : The Company may require satisfactory evidence of the
continued survival of any person(s) on whose life Annuity Payments are based.
PROOF OF AGE : The Company may require evidence of Age of any Annuitant or
Owner.
PROTECTION OF PROCEEDS : To the extent permitted by law, death benefits and
Annuity Payments shall be free from legal process and the claim of any
creditor if the person is entitled to them under this Contract. No payment
and no amount under this Contract can be taken or assigned in advance of its
payment date unless the Company receives the Owner's written consent.
REPORTS : At least once each calendar year, the Company will furnish the
Owner with a report showing the Contract Value as of a date not more than two
months prior to the date of mailing, and will provide any other information as
may be required by law. The Company will also furnish an annual report of the
Separate Account. Reports will be sent to the last known address of the Owner.
TAXES : Any taxes paid to any governmental entity relating to this Contract
will be deducted from the Purchase Payment or Contract Value when incurred.
The Company will, in its sole discretion, determine when taxes have resulted
from: the investment experience of the Separate Account; receipt by the
Company of the Purchase Payments; or commencement of Annuity Payments. The
Company may, in its sole discretion, pay taxes when due and deduct that amount
from the Contract Value at a later date. Payment at an earlier date does not
waive any right the Company may have to deduct amounts at a later date. While
the Company is not currently maintaining a provision for federal income taxes
with respect to the Separate Account, the Company has reserved the right to
establish a provision for income taxes if it determines, in its sole
discretion, that it will incur a tax as a result of the operation of the
Separate Account. The Company will deduct for any income taxes incurred by it
as a result of the operation of the Separate Account whether or not there was
a provision for taxes, and whether or not it was sufficient. The Company will
deduct any withholding taxes required by applicable law.
REGULATORY REQUIREMENTS : All values payable under the Contract, including
any paid-up annuity, cash withdrawal or death benefits that may be available,
will not be less than the minimum benefits required by the laws and
regulations of the state in which the Contract is delivered.
VA76-97
WESTERN NATIONAL LIFE INSURANCE COMPANY
VA76-97
The following tables show the monthly income payable for each $1,000
applied under option A, B or C.
-------------- ----------------- ---------------- ----------------- ----------------- -----------------
OPTION A TABLE Attained Age of OPTION B TABLE - Monthly Installments for Life with Guaranteed Period
Payee When
-------------- ---------------- ----------------- ----------------- -----------------
Life Only First Installment 5 Years Certain 10 Years Certain 15 Years Certain 20 Years Certain
-------------- ---------------- ----------------- ----------------- -----------------
Male Female is Payable Male Female Male Female Male Female Male Female
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
4.30 3.94 50 4.29 3.93 4.26 3.92 4.20 3.89 4.11 3.85
4.38 4.00 51 4.37 3.99 4.33 3.98 4.27 3.95 4.17 3.90
4.47 4.07 52 4.45 4.06 4.41 4.04 4.34 4.01 4.23 3.96
4.56 4.14 53 4.54 4.13 4.49 4.11 4.41 4.07 4.29 4.02
4.65 4.21 54 4.63 4.21 4.58 4.18 4.49 4.14 4.35 4.07
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
4.75 4.29 55 4.73 4.29 4.67 4.26 4.57 4.21 4.42 4.14
4.86 4.38 56 4.83 4.37 4.77 4.34 4.65 4.28 4.48 4.20
4.97 4.47 57 4.94 4.46 4.87 4.42 4.74 4.36 4.55 4.26
5.09 4.56 58 5.06 4.55 4.97 4.51 4.82 4.44 4.61 4.33
5.22 4.67 59 5.18 4.65 5.09 4.61 4.92 4.52 4.68 4.40
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
5.35 4.77 60 5.32 4.76 5.20 4.71 5.01 4.61 4.74 4.47
5.50 4.89 61 5.46 4.87 5.33 4.81 5.11 4.70 4.81 4.54
5.65 5.01 62 5.61 4.99 5.46 4.92 5.20 4.80 4.87 4.61
5.82 5.14 63 5.77 5.12 5.59 5.04 5.31 4.90 4.93 4.69
6.00 5.28 64 5.94 5.25 5.73 5.16 5.41 5.00 4.99 4.76
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
6.19 5.43 65 6.12 5.40 5.88 5.29 5.51 5.10 5.05 4.83
6.40 5.59 66 6.31 5.55 6.04 5.43 5.61 5.21 5.11 4.90
6.61 5.76 67 6.51 5.71 6.19 5.57 5.71 5.32 5.16 4.97
6.85 5.94 68 6.72 5.89 6.36 5.72 5.81 5.43 5.20 5.03
7.10 6.14 69 6.95 6.08 6.52 5.88 5.91 5.54 5.25 5.09
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
7.36 6.36 70 7.19 6.28 6.70 6.05 6.01 5.66 5.29 5.15
7.65 6.59 71 7.44 6.50 6.87 6.22 6.10 5.77 5.32 5.20
7.95 6.84 72 7.71 6.73 7.05 6.40 6.19 5.88 5.35 5.25
8.28 7.11 73 7.99 6.98 7.23 6.59 6.27 5.99 5.38 5.30
8.63 7.41 74 8.29 7.25 7.40 6.79 6.34 6.09 5.41 5.34
9.00 7.72 75 8.60 7.54 7.58 6.98 6.42 6.19 5.43 5.37
---- -------- ----------------- -------- ------ --------- ------ --------- ------ --------- ------
OPTION C - JOINT AND FULL SURVIVOR ANNUITY
Monthly Income Per $1,000 Applied
------------ --------- ---- ----------------- ------------ ---------
Age Life Only Age Life Only Age Life Only
------------ ------------ --------- ------------ ---------
Male Female Male Female Male Female
---- ------ --------- ---- ------ --------- ---- ------ ---------
50 45 3.45 59 54 3.89 68 63 4.64
50 50 3.59 59 59 4.12 68 68 5.04
50 55 3.74 59 64 4.35 68 73 5.45
---- ------ --------- ---- ------ --------- ---- ------ ---------
51 46 3.48 60 55 3.96 69 64 4.75
51 51 3.63 60 60 4.20 69 69 5.18
51 56 3.78 60 65 4.44 69 74 5.62
---- ------ --------- ---- ------ --------- ---- ------ ---------
52 47 3.52 61 56 4.03 70 65 4.87
52 52 3.68 61 61 4.28 70 70 5.33
52 57 3.83 61 66 4.54 70 75 5.80
---- ------ --------- ---- ------ --------- ---- ------ ---------
53 48 3.57 62 57 4.10 71 66 5.00
53 53 3.73 62 62 4.37 71 71 5.49
53 58 3.90 62 67 4.65 71 76 6.00
---- ------ --------- ---- ------ --------- ---- ------ ---------
54 49 3.62 63 58 4.17 72 67 5.13
54 54 3.79 63 63 4.46 72 72 5.66
54 59 3.96 63 68 4.76 72 77 6.21
---- ------ --------- ---- ------ --------- ---- ------ ---------
55 50 3.67 64 59 4.25 73 68 5.28
55 55 3.85 64 64 4.56 73 73 5.85
55 60 4.03 64 69 4.88 73 78 6.43
---- ------ --------- ---- ------ --------- ---- ------ ---------
56 51 3.72 65 60 4.34 74 69 5.43
56 56 3.91 65 65 4.67 74 74 6.05
56 61 4.10 65 70 5.01 74 79 6.68
---- ------ --------- ---- ------ --------- ---- ------ ---------
57 52 3.77 66 61 4.43 75 70 5.60
57 57 3.98 66 66 4.78 75 75 6.26
57 62 4.18 66 71 5.14 75 80 6.94
---- ------ --------- ---- ------ --------- ---- ------ ---------
58 53 3.83 67 62 4.53
58 58 4.05 67 67 4.91
58 63 4.26 67 72 5.29
---- ------ --------- ---- ------ --------- ---- ------ ---------
Other ages and combinations can be supplied on request.
WESTERN NATIONAL LIFE INSURANCE COMPANY
The following tables show the monthly income payable for each $1,000 applied
under option A, B or C.
OPTION A TABLE Attained Age of OPTION B TABLE
Payee When First
Installment is
Payable
Monthly Installments for Life
With Guaranteed Period
5 Years Certain 10 Years Certain 15 Years Certain 20 Years Certain
Lifetime Only
4.12 50 4.12 4.09 4.05 3.99
4.20 51 4.19 4.16 4.11 4.04
4.27 52 4.26 4.23 4.18 4.10
4.35 53 4.34 4.31 4.25 4.16
4.44 54 4.42 4.39 4.32 4.22
4.53 55 4.51 4.47 4.39 4.28
4.62 56 4.61 4.56 4.47 4.35
4.72 57 4.70 4.65 4.55 4.41
4.83 58 4.81 4.75 4.64 4.48
4.94 59 4.92 4.85 4.73 4.55
5.07 60 5.04 4.96 4.82 4.62
5.20 61 5.17 5.07 4.91 4.68
5.33 62 5.30 5.19 5.01 4.75
5.48 63 5.44 5.32 5.11 4.82
5.64 64 5.60 5.45 5.21 4.88
5.81 65 5.76 5.59 5.32 4.95
5.99 66 5.93 5.74 5.42 5.01
6.19 67 6.11 5.89 5.53 5.07
6.39 68 6.31 6.05 5.63 5.13
6.62 69 6.52 6.21 5.74 5.18
6.86 70 6.74 6.38 5.84 5.23
7.11 71 6.97 6.56 5.95 5.27
7.39 72 7.22 6.74 6.04 5.31
7.69 73 7.49 6.92 6.14 5.35
8.01 74 7.77 7.11 6.23 5.38
8.36 75 8.07 7.30 6.31 5.40
-------------- ---------------- --------------- ---------------- ---------------- ----------------
------------------------------------------------
OPTION C - JOINT AND FULL SURVIVOR ANNUITY
Monthly Income Per $1,000 Applied
------------------------------------------------
Age Life Only Age Life Only
------------ ------------ ---------
Male Female Male Female
---- ------ --------- ---- ------
---- ------ --------- ---- ------ ---------
50 50 3.59 63 63 4.46
---- ------ --------- ---- ------ ---------
51 51 3.63 64 64 4.56
---- ------ --------- ---- ------ ---------
52 52 3.68 65 65 4.67
---- ------ --------- ---- ------ ---------
53 53 3.73 66 66 4.78
---- ------ --------- ---- ------ ---------
54 54 3.79 67 67 4.91
---- ------ --------- ---- ------ ---------
55 55 3.85 68 68 5.04
---- ------ --------- ---- ------ ---------
56 56 3.91 69 69 5.18
---- ------ --------- ---- ------ ---------
57 57 3.98 70 70 5.33
---- ------ --------- ---- ------ ---------
58 58 4.05 71 71 5.49
---- ------ --------- ---- ------ ---------
59 59 4.12 72 72 5.66
---- ------ --------- ---- ------ ---------
60 60 4.20 73 73 5.85
---- ------ --------- ---- ------ ---------
61 61 4.28 74 74 6.05
---- ------ --------- ---- ------ ---------
62 62 4.37 75 75 6.26
---- ------ --------- ---- ------ ---------
Other ages and combinations can be supplied on request.
