Common use of JOINT AND LAST SURVIVOR ANNUITY Clause in Contracts

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income payments. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you and the Annuitant are eligible. [GRAPHIC OMITTED][GRAPHIC OMITTED] FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are living and prior to the Income Date Income Payments begin on the Income Date Nonparticipating

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income payments. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you and the Annuitant are eligible. [GRAPHIC OMITTED][GRAPHIC OMITTED] FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are living and prior to the Income Date Income Payments begin on the Income Date Nonparticipating

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income paymentspayments in a single sum. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you the Owner and the Annuitant are eligible. [GRAPHIC OMITTED][GRAPHIC OMITTED] GROUP FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are the Owner is living and prior to the Income Date Income Payments begin on the Income Date Nonparticipating

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income payments. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you and the Annuitant are eligible. DVA-2001SS NV [GRAPHIC OMITTED][GRAPHIC OMITTED] FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are living and prior to the Income Date Income Payments begin on the Income Date Nonparticipating

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income payments. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you and the Annuitant are eligible. DVA-2001SS [GRAPHIC OMITTED][GRAPHIC OMITTED] FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are living and prior to the Income Date Income Payments begin on the Income Date Nonparticipating

JOINT AND LAST SURVIVOR ANNUITY. An annuity payable during the joint lifetime of the Annuitant and a designated second person, and thereafter during the remaining lifetime of the survivor, ceasing with the last payment prior to the death of the survivor. Income Plan 4. Payments for a Specified Period Certain - An amount payable for the number of years selected which may be from 5 to 30 years. The Owner may elect to receive the commuted value of the remaining variable income paymentspayments in a single sum. The commuted value will be determined by discounting the remaining payments at the assumed investment rate used for the Income Plan. Income Plan 5. Annuity Plan - An amount can be used to purchase any single premium annuity we offer on the Income Date for which you the Owner and the Annuitant are eligible. [GRAPHIC OMITTED][GRAPHIC OMITTED] GROUP FLEXIBLE PAYMENT DEFERRED COMBINATION FIXED AND VARIABLE ANNUITY CONTRACT Surrender Values while you are the Owner is living and prior to the Income Date Income Payments begin on the Income Date NonparticipatingNonparticipating DVA(MGC)-2001Z