Common use of FREQUENCY SELECTION Clause in Contracts

FREQUENCY SELECTION. You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. However, the minimum monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If the Annuity Option or frequency of payments elected do not meet these minimums, we have the right to make payments at such frequency as necessary to meet these minimum requirements. IU-IA-3010 17 CHOOSING AN INCOME PLAN (CONTINUED) -------------------------------------------------------------------------------- THE ANNUITY OPTIONS There are four Options to choose from. They are:

FREQUENCY SELECTION. You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly. However, the minimum monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If the Annuity Option or frequency of payments elected do not meet these minimums, we have the right to make payments at such frequency as necessary to meet these minimum requirements. IUGA-IA-3010 17 IA-1100 16 CHOOSING AN INCOME PLAN (CONTINUEDcontinued) -------------------------------------------------------------------------------- THE ANNUITY OPTIONS There are four Options to choose from. They are:

FREQUENCY SELECTION. You The Certificate Owner may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from younotice, the payments will be made monthly. However, the minimum monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If the Annuity Option or frequency of payments elected do not meet these minimums, we have the right to make payments at such frequency as necessary to meet these minimum requirements. IUGA-IA-3010 17 MA-1100 16 CHOOSING AN INCOME PLAN (CONTINUEDcontinued) -------------------------------------------------------------------------------- THE ANNUITY OPTIONS There are four Options to choose from. They are:

FREQUENCY SELECTION. You The Certificate Owner may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from younotice, the payments will be made monthly. However, the minimum monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If the Annuity Option or frequency of payments elected do not meet these minimums, we have the right to make payments at such frequency as necessary to meet these minimum requirements. IUGA-IA-3010 17 MA-1100 <PAGE> CHOOSING AN INCOME PLAN (CONTINUEDcontinued) -------------------------------------------------------------------------------- THE ANNUITY OPTIONS There are four Options to choose from. They are:

FREQUENCY SELECTION. You The Certificate Owner may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from younotice, the payments will be made monthly. However, the minimum monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993. If the Annuity Option or frequency of payments elected do not meet these minimums, we have the right to make payments at such frequency as necessary to meet these minimum requirements. IU-IA-3010 MP-3010 17 CHOOSING AN INCOME PLAN (CONTINUED) -------------------------------------------------------------------------------- THE ANNUITY OPTIONS There are four Options to choose from. They are: