DEATH PRIOR TO ANNUITY DATE Clause Samples

DEATH PRIOR TO ANNUITY DATE. If neither the Annuitant nor the Survivor, if any, is alive on the Annuity Date, a refund with respect to the Annuity Contract will be payable to You or , if You are not living, to Your estate. The refund will be equal to the Premium paid in consideration for the Annuity Contract less any payments which have been made, and shall be payable once We receive a notification of death acceptable to Us. In the event an Annuitant dies after the Annuity Date, any remaining Annuity Benefit will be paid in accordance with the terms of this Annuity Contract. We may require a death certificate, physician's written statement certifying the death of the Annuitant or Joint Annuitant, if any, or any other reasonable evidence to constitute proof of death. Any death benefit paid by Us in good faith in accordance with the terms of this Annuity Contract shall, to the extent of such death benefit, fully discharge Us from any further liability.

DEATH PRIOR TO ANNUITY DATE. On the death of any Owner prior to the Annuity Date, we will pay your Beneficiary an amount equal to the Account Value plus any positive Market Value Adjustment as of the date of payment. See Section 4.l(c). Subject to Section 6.2 and 6.3 such payments will be made in a lump sum unless an annuity option is chosen. ML-MGA-003 SPECIMEN

DEATH PRIOR TO ANNUITY DATE. On death of an Owner prior to the annuity date, we will pay to the Owner's Beneficiary the death benefit representing such Owner's interest in the contract, unless Section