Common use of JOINT AND CONTINGENT SURVIVOR OPTION Clause in Contracts

JOINT AND CONTINGENT SURVIVOR OPTION. This option provides Annuity Payments for the life of the primary Annuitant. Annuity Payments will be made to the primary Annuitant as long as he or she is living. Upon the death of the primary Annuitant, Annuity Payments will be made to the contingent Annuitant as long as he or she is living. If the contingent Annuitant is not living upon the death of the primary Annuitant, no further payments will be made. ANNUITY START AMOUNT Annuity Start Amount is Contract Value as of the Annuity Start Date, less any Premium tax and, if applicable, any pro rata Account Charge. Annuity Start Amount allocated to the Fixed Account is applied to purchase a Fixed Annuity and that allocated to the Subaccounts is applied to purchase a Variable Annuity. For Annuity Options 1 through 6, the Annuity Start Amount is divided by $1,000, and the result is multiplied by the applicable amount in the Annuity Tables to determine the minimum guaranteed monthly Annuity Payment with respect to a Fixed Annuity or the first monthly Annuity Payment with respect to a Variable Annuity, as adjusted for the Assumed Interest Rate FIXED ANNUITY PAYMENTS With respect to Fixed Annuity Payments, the amount set forth in the Annuity Tables as adjusted by the current rate of interest credited by FSBL, is the amount of each monthly Annuity Payment for Annuity Options 1 through 6. Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments already commenced. VARIABLE ANNUITY PAYMENTS With respect to Variable Annuity Payments, the amount set forth in the Annuity Tables, as adjusted for the Assumed Interest Rate, is the amount of the first monthly Annuity Payment for Annuity Options 1 through 6. The amount of each Annuity Payment after the first for these options is computed by means of Annuity Units. Variable Annuity Payments will fluctuate with the performance of the Subaccount(s). Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments.

JOINT AND CONTINGENT SURVIVOR OPTION. This option provides Annuity Payments for the life of the primary Annuitant. Annuity Payments will be made to the primary Annuitant as long as he or she is living. Upon the death of the primary Annuitant, Annuity Payments will be made to the contingent Annuitant as long as he or she is living. If the contingent Annuitant is not living upon the death of the primary Annuitant, no further payments will be made. V6029B (8-00)U 20 ANNUITY START AMOUNT Annuity Start Amount is Contract Value as of the Annuity Start Date, less any Premium tax and, if applicable, any pro rata Account Charge. Annuity Start Amount allocated to the Fixed Account is applied to purchase a Fixed Annuity and that allocated to the Subaccounts is applied to purchase a Variable Annuity. For Annuity Options 1 through 64, 7 and 8, the Annuity Start Amount is divided by $1,000, and the result is multiplied by the applicable amount in the Annuity Tables to determine the minimum guaranteed monthly Annuity Payment with respect to a Fixed Annuity or the first monthly Annuity Payment with respect to a Variable Annuity, as adjusted for the Assumed Interest Rate . FIXED ANNUITY PAYMENTS With respect to Fixed Annuity Payments, the amount set forth in the Annuity Tables as adjusted by for the current rate of interest credited by FSBLSBL, is the amount of each monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. Neither expense actually incurred (other than tax on investment return)For Options 5 through 7, nor mortality actually experienced, shall adversely affect the dollar amount of Fixed Annuity Payments already commencedare based on Contract Value. VARIABLE ANNUITY PAYMENTS With respect to Variable Annuity Payments, the amount set forth in the Annuity Tables, as adjusted for the Assumed Interest Rate, is the amount of the first FIRST monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. The amount of each Annuity Payment after the first for these options is computed by means of Annuity Units. For Options 5 through 7, Variable Annuity Payments are based on Contract Value. Variable Annuity Payments will fluctuate with the performance of the Subaccount(s). Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments.

JOINT AND CONTINGENT SURVIVOR OPTION. This option provides Annuity Payments for the life of the primary Annuitant. Annuity Payments will be made to the primary Annuitant as long as he or she is living. Upon the death of the primary Annuitant, Annuity Payments will be made to the contingent Annuitant as long as he or she is living. If the contingent Annuitant is not living upon the death of the primary Annuitant, no further payments will be made. V6029B (11-00)U 20 ANNUITY START AMOUNT Annuity Start Amount is Contract Value as of the Annuity Start Date, less any Premium tax and, if applicable, any pro rata Account Charge. Annuity Start Amount allocated to the Fixed Account is applied to purchase a Fixed Annuity and that allocated to the Subaccounts is applied to purchase a Variable Annuity. For Annuity Options 1 through 64, 7 and 8, the Annuity Start Amount is divided by $1,000, and the result is multiplied by the applicable amount in the Annuity Tables to determine the minimum guaranteed monthly Annuity Payment with respect to a Fixed Annuity or the first monthly Annuity Payment with respect to a Variable Annuity, as adjusted for the Assumed Interest Rate . FIXED ANNUITY PAYMENTS With respect to Fixed Annuity Payments, the amount set forth in the Annuity Tables as adjusted by for the current rate of interest credited by FSBLSBL, is the amount of each monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. Neither expense actually incurred (other than tax on investment return)For Options 5 through 7, nor mortality actually experienced, shall adversely affect the dollar amount of Fixed Annuity Payments already commencedare based on Contract Value. VARIABLE ANNUITY PAYMENTS With respect to Variable Annuity Payments, the amount set forth in the Annuity Tables, as adjusted for the Assumed Interest Rate, is the amount of the first FIRST monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. The amount of each Annuity Payment after the first for these options is computed by means of Annuity Units. For Options 5 through 7, Variable Annuity Payments are based on Contract Value. Variable Annuity Payments will fluctuate with the performance of the Subaccount(s). Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments.

JOINT AND CONTINGENT SURVIVOR OPTION. This option provides Annuity Payments for the life of the primary Annuitant. Annuity Payments will be made to the primary Annuitant as long as he or she is living. Upon the death of the primary Annuitant, Annuity Payments will be made to the contingent Annuitant as long as he or she is living. If the contingent Annuitant is not living upon the death of the primary Annuitant, no further payments will be made. ANNUITY START AMOUNT Annuity Start Amount is Contract Value as of the Annuity Start Date, less any Premium tax and, if applicable, any pro rata Account Charge. Annuity Start Amount allocated to the Fixed Account is applied to purchase a Fixed Annuity and that allocated to the Subaccounts is applied to purchase a Variable Annuity. For Annuity Options 1 through 64, 7 and 8, the Annuity Start Amount is divided by $1,000, and the result is multiplied by the applicable amount in the Annuity Tables to determine the minimum guaranteed monthly Annuity Payment with respect to a Fixed Annuity or the first monthly Annuity Payment with respect to a Variable Annuity, as adjusted for the Assumed Interest Rate . FIXED ANNUITY PAYMENTS With respect to Fixed Annuity Payments, the amount set forth in the Annuity Tables as adjusted by for the current rate of interest credited by FSBLSBL, is the amount of each monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. Neither expense actually incurred (other than tax on investment return)For Options 5 through 7, nor mortality actually experienced, shall adversely affect the dollar amount of Fixed Annuity Payments already commencedare based on Contract Value. VARIABLE ANNUITY PAYMENTS With respect to Variable Annuity Payments, the amount set forth in the Annuity Tables, as adjusted for the Assumed Interest Rate, is the amount of the first FIRST monthly Annuity Payment for Annuity Options 1 through 64, 7 and 8. The amount of each Annuity Payment after the first for these options is computed by means of Annuity Units. For Options 5 through 7, Variable Annuity Payments are based on Contract Value. Variable Annuity Payments will fluctuate with the performance of the Subaccount(s). Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments.

JOINT AND CONTINGENT SURVIVOR OPTION. This option provides Annuity Payments for the life of the primary Annuitant. Annuity Payments will be made to the primary Annuitant as long as he or she is living. Upon the death of the primary Annuitant, Annuity Payments will be made to the contingent Annuitant as long as he or she is living. If the contingent Annuitant is not living upon the death of the primary Annuitant, no further payments will be made. ANNUITY START AMOUNT The Annuity Start Amount is Contract Value as of the amount applied to an Annuity Option on the Annuity Start Date, less any Premium tax and, if applicable, any pro rata Account Charge. Any Annuity Start Amount allocated to the Fixed Account is applied to purchase a Fixed Annuity and that allocated to the Subaccounts is applied to purchase a Variable Annuity. For Annuity Options 1 through 6, the The Annuity Start Amount is divided by $1,000, and the result is multiplied by the applicable amount in the Annuity Tables to determine the minimum guaranteed monthly Annuity Payment with respect to a Fixed Annuity or the first monthly Annuity Payment with respect to a Variable Annuity, as adjusted for the Assumed Interest Rate . The Annuity Start Amount is your Contract Value reduced by any Premium Taxes and pro-rata fees and charges. FIXED ANNUITY PAYMENTS With respect to Fixed Annuity Payments, the amount set forth in the Annuity Tables as adjusted by for the current rate of interest credited by FSBLSBL, is the amount of each monthly Annuity Payment for each Annuity Options 1 through 6. Neither expense actually incurred (other than tax on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments already commencedOption. VARIABLE ANNUITY PAYMENTS With respect to Variable Annuity Payments, the amount set forth in the Annuity Tables, as adjusted for the Assumed Interest Rate, is the amount of the first monthly Annuity Payment for each Annuity Options 1 through 6Option. The amount of each Annuity Payment after the first for these options is computed by means of Annuity Units. Variable Annuity Payments will fluctuate with the performance of the Subaccount(s). Neither expense actually incurred ANNUITY TABLES The amounts set forth in the Annuity Tables for Annuity Options 1 through 4 and 6 depend on the sex (other than tax unless unisex rates apply) and age of the Annuitant or the Joint Annuitants on investment return), nor mortality actually experienced, shall adversely affect the dollar amount of Annuity Payments.Start Date. The Annuity Tables are modified to reflect: