Common use of FIXED ACCOUNT MINIMUM INTEREST RATE Clause in Contracts

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value Adjustments), and the Fixed Account Minimum Value Annual Expense Allowance; then 2. accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum Value. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data Pages. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, on which Income Payments are to begin as described in the Income Provisions. INCOME OPTION. One of the payment options provided under the Income Provisions. ICC18 VA775 5

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals withdrawals, transfers, and transfers charges from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value Adjustments), and the Fixed Account Minimum Value Annual Expense Allowance; then 2. accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum Value. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data Pagesless any Withdrawal Charges or tax due. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, date on which Income Payments are to begin as described in the Income Provisions. The Income Date must be at least thirteen (13) months after the Contract Issue Date. INCOME OPTION. One of the payment options provided under the Income Provisions. ICC18 VA775 5INCOME PAYMENTS. Fixed Annuity Payments and Variable Annuity Payments offered by the Company at the Income Date. INVESTMENT DIVISIONS. Separate and distinct divisions of the Separate Account, each of which invests in a specific Underlying Mutual Fund, and for which Accumulation Units and Annuity Units are separately maintained. The Separate Account Contract Value in the Investment Divisions will increase or decrease depending on the performance of the Underlying Mutual Funds.

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is guaranteed minimum interest rate the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data PagesPage. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to A percentage of all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value Adjustments)optional benefit charges, taxes, and the Fixed Account Minimum Value Annual Expense Allowance; then 2. Allowance accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum ValueValue to allow for the cost of maintaining Your Contract. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data PagesPage. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data PagesPage. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, date on which Income Payments are to begin as described in the Income Provisions. INCOME OPTIONPAYMENTS. One Fixed Annuity Payments and Variable Annuity Payments offered by the Company at the Income Date. INVESTMENT DIVISIONS. Separate and distinct divisions of the payment options provided under Separate Account, each of which invests in a specific Underlying Mutual Fund, and for which Accumulation Units and Annuity Units are separately maintained. The Separate Account Contract Value in the Income Provisions. ICC18 VA775 5Investment Divisions will go up or down depending on the performance of the Underlying Mutual Funds.

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is guaranteed minimum interest rate the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data PagesPage. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to A percentage of all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value Adjustments)optional benefit charges, taxes, and the Fixed Account Minimum Value Annual Expense Allowance; then 2. Allowance accumulated at the Fixed Account Minimum Interest Rate. The Fixed Account Minimum Value percentage is shown on the Contract Data Page FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum ValueValue to allow for the cost of maintaining Your Contract. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data PagesPage. FIXED ACCOUNT MINIMUM VALUE PERCENTAGEEXPENSE LOAD. A percentage of Premium load applied in calculating the Fixed Account Minimum Value. This rate will not change unless the Fixed Account Minimum Value calculation changes. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage Expense Load is shown on the Contract Data PagesPage. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, date on which Income Payments are to begin as described in the Income Provisions. INCOME OPTIONPAYMENTS. One Fixed Annuity Payments and Variable Annuity Payments offered by the Company at the Income Date. INVESTMENT DIVISIONS. Separate and distinct divisions of the payment options provided under Separate Account, each of which invests in a specific Underlying Mutual Fund, and for which Accumulation Units and Annuity Units are separately maintained. The Separate Account Contract Value in the Income Provisions. ICC18 VA775 5Investment Divisions will go up or down depending on the performance of the Underlying Mutual Funds.

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value AdjustmentsMVA), and the Fixed Account Minimum Value Annual Expense Allowance; then 2. accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum Value. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data Pages. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, on which Income Payments are to begin as described in the Income Provisions. INCOME OPTION. One of the payment options provided under the Income Provisions. ICC18 VA775 ICC19 VA710 5

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value AdjustmentsMVA), and the Fixed Account Minimum Value Annual Expense Allowance; then 2. accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum Value. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data Pages. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, on which Income Payments are to begin as described in the Income Provisions. INCOME OPTION. One of the payment options provided under the Income Provisions. ICC18 VA775 ICC19 VA720 5

FIXED ACCOUNT MINIMUM INTEREST RATE. The Fixed Account Minimum Interest Rate is the minimum annual percentage at which Your money allocated to the Fixed Account will grow. The Company uses this rate to determine the Fixed Account Minimum Value. The Initial Fixed Account Minimum Interest Rate is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE. The Fixed Account Minimum Value is equal to all amounts allocated to the Fixed Account Options, net of applicable taxes, multiplied by the Fixed Account Minimum Value Percentage, and; 1. reduced by partial withdrawals and transfers from the Fixed Account Options, (after being reduced for any applicable Withdrawal Charges and then adjusted for any applicable Market Value AdjustmentsMVA), and the Fixed Account Minimum Value Annual Expense Allowance; then 2. accumulated at the Fixed Account Minimum Interest Rate. FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual deduction from the Fixed Account Minimum Value. On each Contract Anniversary, the Company will deduct the Fixed Account Minimum Value Annual Expense Allowance from the Fixed Account Minimum Value. The Fixed Account Minimum Value Annual Expense Allowance is shown on the Contract Data Pages. FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the determination of the Fixed Account Minimum Value. The Fixed Account Minimum Value Percentage is shown on the Contract Data Pages. FIXED ACCOUNT OPTION. A Contract Option within the Fixed Account that specifies a fixed period for which the Company credits the Current Interest Rate. GOOD ORDER. The Company's receipt of all information, documentation, instructions and/or Premium the Company requires before it will issue the Contract or execute any transaction. INCOME DATE. The date, not less than one (1) year after the Contract's Issue Date, on which Income Payments are to begin as described in the Income Provisions. INCOME OPTION. One of the payment options provided under the Income Provisions. ICC18 VA775 ICC19 VA670 5