Common use of DAY RIGHT TO CANCEL Clause in Contracts

DAY RIGHT TO CANCEL. You may cancel this policy by delivering or mailing a written notice to us or Your agent You must return the policy before midnight of the twentieth day after the day You receive it Notice given by mail and return of the policy by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account including any fees and charges, within 10 days after we receive notice of cancellation and the returned policy. If this policy is a replacement of another policy, the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Account, including any fees and charges, for this policy within 10 days after we receive notice of cancellation and the returned policy. Signed for us at our home office. SECRETARY PRESIDENT This policy is a legal contract between the Owner and the Company. READ YOUR POLICY CAREFULLY. Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 101 179 1003

DAY RIGHT TO CANCEL. You may cancel this policy by delivering or mailing a written notice to us or Your agent agent. You must return the policy before midnight of the twentieth day after the day You receive it it. Notice given by mail and return of the policy by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account including any fees and charges, within 10 days after we receive notice of cancellation and the returned policy. If this policy is a replacement of another policy, the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Account, including any fees and charges, for this policy within 10 days after we receive notice of cancellation and the returned policy. Signed for us at our home office. SECRETARY PRESIDENT This policy is a legal contract between the Owner and the Company. READ YOUR POLICY CAREFULLY. Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 101 179 1003

DAY RIGHT TO CANCEL. You may cancel this policy contract by delivering or mailing a written notice to us or Your agent your agent. You must return the policy contract before midnight of the twentieth day after the day You you receive it Notice given by mail and return of the policy contract by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account policy value, including any fees and charges, within 10 days after we receive notice of cancellation and the returned policycontract. If this policy contract is a replacement of another policy, contract the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Accountpolicy value, including any fees and charges, for this policy contract within 10 days after we receive notice of cancellation and the returned policycontract. The value of the subaccount(s) is based on the value of the separate account assets which are not guaranteed as to fixed dollar amounts and will increase or decrease in value based on investment results. Signed for us at our home office. SECRETARY PRESIDENT This policy is a legal contract between the Owner policy owner and the Companycompany. READ YOUR POLICY CAREFULLY. CAREFULLY Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 ACCOUNT, AFTER THE POLICY DATE AV1343 101 179 1003178 903

DAY RIGHT TO CANCEL. You may cancel this policy by delivering or mailing a written notice to us or Your agent agent. You must return the policy before midnight of the twentieth day after the day You receive it it. Notice given by mail and return of the policy by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account Account, including any fees and charges, within 10 days after we receive notice of cancellation and the returned policy. If this policy is a replacement of another policy, the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Account, including any fees and charges, for this policy within 10 days after we receive notice of cancellation and the returned policy. Signed for us at our home office. SECRETARY PRESIDENT This policy is a legal contract between the Owner and the Company. READ YOUR POLICY CAREFULLY. Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 AV1397 101 179 1003

DAY RIGHT TO CANCEL. You may cancel this policy contract by delivering or mailing a written notice to us or Your agent your agent. You must return the policy contract before midnight of the twentieth day after the day You you receive it it. Notice given by mail and return of the policy contract by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account policy value, including any fees and charges, within 10 days after we receive notice of cancellation and the returned policycontract. If this policy contract is a replacement of another policycontract, the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Accountpolicy value, including any fees and charges, for this policy contract within 10 days after we receive notice of cancellation and the returned policycontract. The value of the subaccount(s) is based on the value of the separate account assets which are not guaranteed as to fixed dollar amounts and will increase or decrease in value based on investment results. Signed for us at our home office. /s/ Xxxxx X. Xxxxxx /s/ XX Xxxxxx SECRETARY PRESIDENT This policy is a legal contract between the Owner policyowner and the Companycompany. READ YOUR POLICY CAREFULLY. CAREFULLY Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 ACCOUNT, AFTER THE POLICY DATE AV1343 101 179 1003178 903

DAY RIGHT TO CANCEL. You may cancel this policy by delivering or mailing a written notice to us or Your agent agent. You must return the policy before midnight of the twentieth day after the day You receive it it. Notice given by mail and return of the policy by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account Account, including any fees and charges, within 10 days after we receive notice of cancellation and the returned policy. If if this policy is a replacement of another policy, the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Account, including any fees and charges, for this policy within 10 days after we receive notice of cancellation and the returned policy. Signed for us at our home office. SECRETARY PRESIDENT This policy is a legal contract between the Owner and the Company. READ YOUR POLICY CAREFULLY. Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 101 179 1003

DAY RIGHT TO CANCEL. You may cancel this policy contract by delivering or mailing a written notice to us or Your agent your agent. You must return the policy contract before midnight of the twentieth day after the day You you receive it it. Notice given by mail and return of the policy contract by mail are effective upon being mailed, properly addressed and postage prepaid. We will return the Fixed Account premium and the Policy Value of the Separate Account policy value, including any fees and charges, within 10 days after we receive notice of cancellation and the returned policycontract. If this policy contract is a replacement of another policy, contract the Right to Cancel period is extended to 60 days and we will return the Fixed Account premium and the Policy Value of the Separate Accountpolicy value, including any fees and charges, for this policy contract within 10 days after we receive notice of cancellation and the returned policycontract. The value of the subaccount(s) is based on the value of the separate account assets which are not guaranteed as to fixed amounts and will increase or decrease in value based on investment results. Signed for us at our home office. /s/ Xxxxx X. Varmie /s/ XX Xxxxxx SECRETARY PRESIDENT This policy is a legal contract between the Owner policyowner and the Company. company READ YOUR POLICY CAREFULLY. CAREFULLY Flexible Premium Deferred Variable Annuity Income Payable At Annuity Commencement Date Benefits Based On The Performance Of The Separate Account Are Variable And Are Not Guaranteed As To Dollar Amount And Will Increase Or Decrease In Value Based Upon Investment Experience (See Sections 6 and IOC10C) Non-Participating AFTER THE POLICY DATE, WE RESERVE THE RIGHT TO (I) REFUSE PREMIUM PAYMENTS TO THE FIXED ACCOUNT, AND (II) PROHIBIT TRANSFERS TO THE FIXED ACCOUNT AV1396 ACCOUNT, AFTER THE POLICY DATE AV1388 101 179 1003178 903