Common use of Proof of Death Clause in Contracts

Proof of Death. Any Beneficiary claiming an interest in the Contract must provide us in writing with due proof of your death and the death of the Joint Annuitant (if any), at the Annuity Service Center, unless we have already received such proof. We will not be responsible for any annuity income paid to You or the Joint Annuitant (if any), before we receive due proof of death at the Annuity Service Center. Proof of Survival Before making any payment that depends on a person being alive, we may require proof that the person is alive. Protection of Proceeds To the extent allowed by law, annuity income is not subject to the claims of creditors or to legal process. Nonparticipating The Contract is nonparticipating. This means that there are no dividends. Nontransferable and Nonforfeitable The Contract is established for the exclusive benefit of the Owner and his or her beneficiaries. The interest of the Owner in this Contract is nontransferable and, except as provided by law, is nonforfeitable. In particular, this Contract may not be sold, assigned, discounted, or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose to any person other than to us (other than a transfer incident to a divorce or separation instrument in accordance with Code Section 408(d)(6)). Any attempt to use the Contract in a manner inconsistent with the previous sentence will be void. Determination of Values The method of determination by the Company of the number and value of Annuity Income Units and other values is binding upon you, the Joint Annuitant (if any) and each Beneficiary.

Proof of Death. Any Beneficiary claiming an interest in the Contract must provide us in writing with due proof of your death and the death of the Joint Annuitant (if any), at the Annuity Service Center, unless we have already received such proof. We will not be responsible for any annuity income paid to You or the Joint Annuitant (if any), before we receive due proof of death at the Annuity Service Center. Proof of Survival Before making any payment that depends on a person being alive, we may require proof that the person is alive. Protection of Proceeds To the extent allowed by law, annuity income is not subject to the claims of creditors or to legal process. Nonparticipating The Contract is nonparticipating. This means that there are no dividends. Nontransferable and Nonforfeitable The Contract is established for the exclusive benefit of the Owner and his or her beneficiaries. The interest of the Owner in this Contract is nontransferable and, except as provided by law, is nonforfeitable. In particular, this Contract may not be sold, assigned, discounted, or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose to any person other than to us (other than a transfer incident to a divorce or separation instrument in accordance with Code Section 408(d)(6)). Any attempt to use the Contract in a manner inconsistent with the previous sentence will be void. Determination of Values The method of determination by the Company of the number and value of Annuity Income Units and other values is binding upon you, the Joint Annuitant (if any) and each Beneficiary.FFLI-Q-2005

Proof of Death. Any Beneficiary claiming an interest in the Contract must provide us in writing with due proof of your death and the death of the Joint Annuitant (if any), at the Annuity Service Center, unless we have already received such proof. We will not be responsible for any annuity income paid to You you or the Joint Annuitant (if any), before we receive due proof of death at the Annuity Service Center. Proof of Survival Before making any payment that depends on a person being alive, we may require proof that the person is alive. Protection of Proceeds To the extent allowed by law, annuity income is not subject to the claims of creditors or to legal process. Nonparticipating The Contract is nonparticipating. This means that there are no dividends. Nontransferable and Nonforfeitable The Contract is established for the exclusive benefit of the Owner and his or her beneficiaries. The interest of the Owner in this Contract is nontransferable and, except as provided by law, is nonforfeitable. In particular, this Contract may not be sold, assigned, discounted, or pledged as collateral for a loan or as security for the performance of an obligation or for any other purpose to any person other than to us (other than a transfer incident to a divorce or separation instrument in accordance with Code Section 408(d)(6)). Any attempt to use the Contract in a manner inconsistent with the previous sentence will be void. Determination of Values The method of determination by the Company of the number and value of Annuity Income Units and other values is binding upon you, the Joint Annuitant (if any) and each Beneficiary.