Common use of ANNUITY OPTIONS Clause in Contracts

ANNUITY OPTIONS. 12 OPTION 1 - LIFE ANNUITY...........................................................................12 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED............................................................................12 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED..................................................13 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY.............................................................14 ANNUITY..........................................................................................................14

ANNUITY OPTIONS. 12 17 OPTION 1 - LIFE ANNUITY...........................................................................12 ........................................17 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED............................................................................12 ..........................17 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 .....................17 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, 15 OR 20 YEARS GUARANTEED..................................................13 ......17 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 .................................18 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY.............................................................14 ANNUITY..........................................................................................................14....................18

ANNUITY OPTIONS. 12 16 OPTION 1 - LIFE ANNUITY...........................................................................12 ...........................................17 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED............................................................................12 ..................................................17 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 ........................17 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER PAYMENTSOVER 5, 10, 15, 15 OR 20 YEARS GUARANTEED..................................................13 ..................................17 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 ....................................17 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY.............................................................14 ANNUITY..........................................................................................................14.......................18

ANNUITY OPTIONS. 12 11 OPTION 1 - LIFE ANNUITY...........................................................................12 11 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 560, 10120, 15180, OR 20 YEARS 240 MONTHLY ANNUITY PAYMENTS GUARANTEED............................................................................12 ...............................................................................11 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 11 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 560, 10120, 15180, OR 20 YEARS GUARANTEED..................................................13 240 MONTHLY ANNUITY PAYMENTS GUARANTEED 11 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 OPTION 6 - SPECIFIED PERIOD CERTAIN 12 ANNUITY.............................................................14 ANNUITY..........................................................................................................14.................................................................................................12

ANNUITY OPTIONS. 12 11 OPTION 1 - LIFE ANNUITY...........................................................................12 11 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 560, 10120, 15180, OR 20 YEARS 240 MONTHLY ANNUITY PAYMENTS GUARANTEED............................................................................12 .............11 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 11 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 560, 10120, 15180, OR 20 YEARS 240 MONTHLY ANNUITY PAYMENT GUARANTEED..................................................13 ..................................................................................... 12 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 OPTION 6 - SPECIFIED PERIOD CERTAIN ....................................................................12 ANNUITY.............................................................14 ANNUITY..........................................................................................................14.................................................................................................12

ANNUITY OPTIONS. 12 15 OPTION 1 - LIFE ANNUITY...........................................................................12 .....................................................................................15 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, 15 OR 20 YEARS GUARANTEED............................................................................12 ...........................15 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 ..................................................................16 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, 15 OR 20 YEARS GUARANTEED..................................................13 .................16 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 ..............................................................................17 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY.............................................................14 ANNUITY..........................................................................................................14...........................................17

ANNUITY OPTIONS. 12 14 OPTION 1 - LIFE ANNUITY...........................................................................12 .......................................14 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED............................................................................12 ........................................14 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY........................................................12 ....................15 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED..................................................13 ...............15 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 ................................16 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY.............................................................14 ANNUITY..........................................................................................................14...................16

ANNUITY OPTIONS. 12 OPTION 1 - LIFE ANNUITY...........................................................................12 OPTION 2 - LIFE ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED............................................................................12 OPTION 3 - JOINT AND LAST SURVIVOR ANNUITY...............................................................................................................12 OPTION 4 - JOINT AND LAST SURVIVOR ANNUITY WITH MONTHLY PAYMENTS OVER 5, 10, 15, OR 20 YEARS GUARANTEED..................................................13 OPTION 5 - REFUND LIFE ANNUITY...................................................................13 OPTION 6 - SPECIFIED PERIOD CERTAIN ANNUITY...................................................................................................................14 ANNUITY........................................................................................................................................................................................................14