Exhibit 4 Form of Individual Annuity Contract And Form of Individual Annuity CertificateIndividual Annuity Contract • March 23rd, 1998 • C M Life Insurance Co • Life insurance
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY Springfield, MA 01111-0001Individual Annuity Contract • August 19th, 2008 • Massachusetts Mutual Variable Annuity Separate Account 4
This Contract is issued by the Company at its Home Office, 1295 State Street, Springfield, Massachusetts 01111-0001, on the Issue Date. The Contract is issued in exchange for the payment of the initial Purchase Payment.
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY Springfield, MA 01111-0001Individual Annuity Contract • April 28th, 2022 • Massachusetts Mutual Variable Annuity Separate Account 4
This Contract is issued by the Company at its Home Office, 1295 State Street, Springfield, Massachusetts 01111-0001, on the Issue Date. The Contract is issued in exchange for the payment of the initial Purchase Payment.
The Contract Holder may cancel this Contract within 10 days of receiving it byIndividual Annuity Contract • April 2nd, 2021 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance
returning this Contract along with a written notice to Aetna at the above address or to the agent from whom it was purchased. Within 7 days after it receives the notice of cancellation and this Contract at its Home Office, Aetna will return the entire consideration paid. Signed at the Home Office on the Effective Date. /s/Dan Kearney /s/ Marie McKeon President Secretary Individual Single Premium Modified Guaranteed Deferred Annuity Contract Nonparticipating THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED PERIOD AT THE TIME OF ITS MATURITY. I2-MGA-95 Specifications ----------------------------------------------------------------------------- Guaranteed There is a guaranteed interest rate for the Purchase Interest Rate Payment held in the AMG Account. (See Contract Schedule I). ------------------
THIS CONTRACT CONTAINS A MARKET VALUE ADJUSTMENT FORMULA. APPLICATION OF A MARKET VALUE ADJUSTMENT MAY RESULT IN EITHER AN INCREASE OR DECREASE IN THE CURRENT VALUE. THE MARKET VALUE ADJUSTMENT FORMULA DOES NOT APPLY TO A GUARANTEED PERIOD AT THE TIME...Individual Annuity Contract • April 2nd, 2021 • VOYA RETIREMENT INSURANCE & ANNUITY Co • Life insurance
This Contract is a legal contract and constitutes the entire legal relationship between Aetna and the Contract Holder. READ THIS CONTRACT CAREFULLY. This Contract sets forth, in detail, all of the rights and obligations of both you and Aetna. IT IS THEREFORE IMPORTANT THAT YOU READ THIS CONTRACT CAREFULLY.
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY Springfield, MA 01111-0001Individual Annuity Contract • August 19th, 2008 • Massachusetts Mutual Variable Annuity Separate Account 4
This Contract is issued by the Company at its Home Office, 1295 State Street, Springfield, Massachusetts 01111-0001, on the Issue Date. The Contract is issued in exchange for the payment of the initial Purchase Payment.
