PLEASE READ YOUR CONTRACT CAREFULLY. It is a legal Contract between you, the Owner, and us, SBL. The Contract's table of contents is on page 2. FREE LOOK PERIOD-RIGHT TO CANCEL YOU MAY RETURN THIS CONTRACT WITHIN 10 DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN THE CONTRACT BY DELIVERING OR MAILING IT TO SBL. THIS CONTRACT WILL THEN BE DEEMED VOID FROM THE BEGINNING. NO WITHDRAWAL CHARGE WILL BE IMPOSED, AND WE WILL REFUND YOUR CONTRACT VALUE, INCLUDING ANY FEES AND/OR CHARGES FOR PREMIUM TAX THAT WERE DEDUCTED FROM THAT CONTRACT VALUE, LESS THE VALUE OF ANY CREDIT ENHANCEMENTS MADE INTO THE CONTRACT, AS OF THE DATE WE RECEIVE THE RETURNED CONTRACT. Signed for Security Benefit Life Insurance Company on the Contract Date. XXXXX X. XXXXX XXXX X. XXXXXXX Secretary President A BRIEF DESCRIPTION OF THIS CONTRACT This is a FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY CONTRACT. * Investment Experience is Reflected in Benefits * Variable and Fixed Accumulation Before the Annuity Start Date; Variable and Fixed Annuity Payments Thereafter * Death Benefit Proceeds are Payable Before the Annuity Start Date * This Contract is Non-Participating BENEFITS AND VALUES PROVIDED BY THIS CONTRACT MAY BE ON A VARIABLE BASIS. AMOUNTS DIRECTED INTO ONE OR MORE OF THE SUBACCOUNTS WILL REFLECT THE INVESTMENT EXPERIENCE OF THOSE SUBACCOUNTS. THESE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT. (SEE "CONTRACT VALUE AND EXPENSE PROVISIONS" AND "ANNUITY PAYMENT PROVISIONS" FOR DETAILS.) [SBL LOGO] SECURITY BENEFIT LIFE INSURANCE COMPANY A Member of The Security Benefit Group of Companies 000 XX Xxxxxxxx Street, Topeka, KS 66636-0001 0-000-000-0000 The variable annuity covered by this Contract is the subject of a pending patent application in the United States Patent and Trademark Office. V6029 (8-00) -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- Page CONTRACT DATA PAGE........................................................ 3 DEFINITIONS............................................................... 4
PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Allstate Life Insurance Company. Trial Examination Period Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Options. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. If you have any questions about your Allstate Life Insurance Company variable annuity, please contact Allstate Life at (000) 000-0000. -------------------------------------------------------------------------------- [GRAPHIC OMITTED][GRAPHIC OMITTED] -------------------------------------------------------------------------------- Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity -------------------------------------------------------------------------------- TABLE OF CONTENTS -------------------------------------------------------------------------------- ANNUITY DATA PAGE..............................................................3
PLEASE READ YOUR CONTRACT CAREFULLY. It is a legal Contract between you, the Owner, and us, FSBL. The Contract's table of contents is on page 2.
PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the Retirement Date, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. The owner and beneficiary are as named in the application unless they are changed as provided for in this contract. We issue this contract in consideration of your application and the payment of the purchase payments. Signed for and issued by American Enterprise Life Insurance Company of Indianapolis, Indiana, as of the contract date. ACCUMULATION VALUES, WHEN BASED ON THE INVESTMENT RESULTS OF THE SEPARATE ACCOUNT, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGE 11 FOR VARIABLE PROVISIONS.
PLEASE READ YOUR CONTRACT CAREFULLY. It is a legal Contract between you, the Owner, and us, SBL. The Contract's table of contents is on page 2. FREE LOOK PERIOD-RIGHT TO CANCEL YOU MAY RETURN THIS CONTRACT WITHIN 10 DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN THE CONTRACT BY DELIVERING OR MAILING IT TO SBL. THIS CONTRACT WILL THEN BE DEEMED VOID FROM THE BEGINNING. NO WITHDRAWAL CHARGE WILL BE IMPOSED, AND WE WILL REFUND YOUR CONTRACT VALUE, INCLUDING ANY FEES AND/OR CHARGES FOR PREMIUM TAX THAT WERE DEDUCTED FROM THAT CONTRACT VALUE, LESS THE VALUE OF ANY CREDIT ENHANCEMENTS MADE INTO THE CONTRACT, AS OF THE DATE WE RECEIVE THE RETURNED CONTRACT. Signed for Security Benefit Life Insurance Company on the Contract Date.
PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the retirement date, upon your request, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. We issue this contract in consideration of your application and the payment of the initial purchase payment. This contract is established for the benefit of the owner/annuitant or his/her beneficiaries. Signed for and issued by American Centurion Life Assurance Company of Albany, New York, as of the contract date shown above. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. See the Fixed And Variable Accounts section for variable provisions. The Mortality & Expense Risk and Variable Account Administrative Charges are shown under Contract Data.
PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the Retirement Date, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. The owner and beneficiary are as named in the application unless they are changed as provided for in this contract. We issue this contract in consideration of your application and the payment of the purchase payments. Signed for and issued by American Centurion Life Assurance Company in Albany, New York, as of the contract date shown below. ACCUMULATION VALUES, WHEN BASED ON THE INVESTMENT RESULTS OF THE SEPARATE ACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE PAGE 9 FOR VARIABLE PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR 10 DAYS. If for any reason you are not satisfied with this contract, return it to us or our agent within 10 days after you receive it. We will then cancel this contract and refund all purchase payments which you have made. This contract will then be considered void from its start.
PLEASE READ YOUR CONTRACT CAREFULLY. If the annuitant is living on the Retirement Date, upon your request, we will begin to pay you monthly annuity payments. Any payments made by us are subject to the terms of this contract. The owner and beneficiary are as named in the application unless they are changed as provided for in this contract. We issue this contract in consideration of your application and the payment of the initial purchase payment. Signed for and issued by RiverSource Life Insurance Co. of New York of Albany, New York, as of the contract date. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE FIXED AND VARIABLE ACCOUNTS SECTION FOR VARIABLE PROVISIONS. THE MORTALITY & EXPENSE RISK AND VARIABLE ACCOUNT ADMINISTRATIVE CHARGES ARE SHOWN UNDER CONTRACT DATA. With the combined maximum subaccount charges of 2.0%, the smallest rate of investment return required to ensure that the dollar amount of variable annuity payments does not decrease, is 5.5% for the subaccounts of the separate account based on an assumed interest rate of 3.5%. Refer to Contract Data for additional detail. The Fixed Account may not be available on the contract date. Please check the Contract Data to determine whether the Fixed Account is currently available.
PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Contract owner(s) and Glenbrook Life and Annuity Company. Return Privilege Upon written request we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may return it to us or our agent within 20 days after you receive it. We will refund any purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account. (Where required by state law, we will refund any purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value. A refund under this return privilege excludes the actual amount of any Credit Enhancement. If you have any questions about your Glenbrook Life variable annuity, please contact Glenbrook Life at(800)755-5275. [GRAPHIC OMITTED][GRAPHIC OMITTED] Secretary Chairman and Chief Executive Officer Flexible Premium Deferred Variable Annuity TABLE OF CONTENTS
PLEASE READ YOUR CONTRACT CAREFULLY. This is a legal Contract between the Owner(s) of this Contract and Lincoln Benefit Life Company. Trial Examination Period Upon written request, we will provide you with factual information regarding the benefits and provisions contained in this Contract. If you are not satisfied with this Contract for any reason, you may cancel it by written notification within 20 days after you receive it. We will refund purchase payments allocated to the Variable Account, adjusted to reflect investment gain or loss from the date of allocation through the date of cancellation, plus any purchase payments allocated to the Fixed Account Option, less any withdrawals. (Where required by state law, we will refund purchase payments.) If this Contract is qualified under Section 408 of the Internal Revenue Code, we will refund the greater of any purchase payments or the Contract Value.
