Common use of JOINT AND LAST SURVIVOR ANNUITY Clause in Contracts

JOINT AND LAST SURVIVOR ANNUITY. We make Annuity Payments during the lifetimes of the Annuitant and Joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s death.

JOINT AND LAST SURVIVOR ANNUITY. We make Annuity Payments during the lifetimes of the Annuitant and Joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s 's death.

JOINT AND LAST SURVIVOR ANNUITY. with 10 Years of Annuity Payments Guaranteed – We will make Annuity Payments as long as either the Annuitant or the Joint Annuitant is living. Annuity Payments will continue to be paid during the lifetimes remaining lifetime of the survivor. If at the last death of the Annuitant and the Joint Annuitant. Upon the death , We have made less than 10 years of one AnnuitantAnnuity Payments, We will continue to make Annuity Payments to for the Payee continue during the lifetime remainder of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s deathguaranteed period.

JOINT AND LAST SURVIVOR ANNUITY. We will make Annuity Payments during the lifetimes lifetime of the Annuitant and the Joint Annuitant. Upon the death of one either the Annuitant or Joint Annuitant, Annuity Payments will continue to the Payee continue be paid during the remaining lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of survivor. Annuity Payments will cease with the previous amount, as selected by the Owner. The last payment will be the one that is final Annuity Payment due before prior to the last surviving Joint Annuitantsurvivor’s death.

JOINT AND LAST SURVIVOR ANNUITY. We make Annuity Payments during the lifetimes of the Annuitant and Joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s 's death.. L40538-NF-NY Annuity Payments continued from the previous page

JOINT AND LAST SURVIVOR ANNUITY. We make Annuity Payments during the lifetimes of the Annuitant and Joint Annuitant. Upon the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amount, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s death.. Annuity Payments continued from the previous page

JOINT AND LAST SURVIVOR ANNUITY. We will make monthly Annuity Payments during the lifetimes joint lifetime of the Annuitant and the Joint Annuitant. Upon the death of one the Annuitant, if the Joint Annuitant is then living, Annuity Payments will continue to the Payee continue be paid during the remaining lifetime of the surviving Joint Annuitant at a level of 100%, 75% or 50% of the previous amountlevel, as selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s deathselected.

JOINT AND LAST SURVIVOR ANNUITY. We will make Annuity Payments during the lifetimes of as long as the Annuitant and or Joint AnnuitantAnnuitant is living. Upon Payments to be made following the death of one Annuitant, Annuity Payments to the Payee continue during the lifetime of the surviving Joint Annuitant at Annuitants may be the same amount or may be reduced to a level of 100%, 75% or 50% percentage of the previous amount, as original Annuity Payment. Such percentage must be chosen at the time You selected by the Owner. The last payment will be the one that is due before the last surviving Joint Annuitant’s deatha Payment Option.