Common use of RIGHT TO CANCEL THIS CONTRACT Clause in Contracts

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value and any fees paid as of the date of return; this may be more or less than the Premium paid. This is a variable annuity contract. Annuity payments and Contract Value may increase or decrease depending on the experience of the Variable Account identified in the Contract Schedule. Signed by the Company: /s/ Xxxxxxxxx X. Xxxx /s/ Xxxxxx Xxxxxxx Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 6 OWNERSHIP PROVISIONS 7 BENEFICIARY PROVISIONS 7 PREMIUM PROVISIONS 8 CONTRACT CHARGES 8 VARIABLE ACCOUNT 9 GUARANTEED ACCOUNT 9 TRANSFERS 11 ANNUITY PROVISIONS 12 ANNUITY OPTIONS 12 DEATH BENEFIT 14 SURRENDER PROVISIONS 16 DELAY OF PAYMENTS 16 FIXED ANNUITY OPTION TABLES 17 VARIABLE ANNUITY OPTION TABLES 18 CONTRACT SCHEDULE CONTRACT NUMBER: ( ) INITIAL PREMIUM: ($5,000)

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value and any fees paid as of the date of return; this may be more or less than the Premium paid. This is a variable annuity contract. Annuity payments and Contract Value may increase or decrease depending on the experience of the Variable Account identified in the Contract Schedule. Signed by the Company: /s/ Xxxxxxxxx X. Xxxx /s/ Xxxxxx Xxxxxxx Xxxxxxxxx ----------------- ---------- Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 6 5 OWNERSHIP PROVISIONS 7 6 BENEFICIARY PROVISIONS 7 6 PREMIUM PROVISIONS 8 7 CONTRACT CHARGES 8 7 VARIABLE ACCOUNT 9 8 GUARANTEED ACCOUNT 8 TRANSFERS 9 TRANSFERS 11 ANNUITY PROVISIONS 12 10 ANNUITY OPTIONS 12 10 DEATH BENEFIT 14 12 SURRENDER PROVISIONS 16 13 DELAY OF PAYMENTS 16 13 FIXED ANNUITY OPTION TABLES 17 14 VARIABLE ANNUITY OPTION TABLES 18 15 CONTRACT SCHEDULE CONTRACT NUMBER: ( ) INITIAL PREMIUM: ($5,000)

RIGHT TO CANCEL THIS CONTRACT. This contract may be returned within 10 days after You receive it. It can be mailed or delivered to either Us or Our agent. Return of this contract by mail is effective as of the date of its postmark, properly addressed and postage pre-paid. The returned contract will be treated as if We had never issued it. We will promptly refund the Contract Value and any fees paid as of the date of return; this may be more or less than the Premium paid. This is a variable annuity contract. Annuity payments and Contract Value may increase or decrease depending on the experience of the Variable Account identified in the Contract Schedule. Signed by the Company: /s/ Xxxxxxxxx X. Xxxx /s/ Xxxxxx Xxxxxxx Secretary President INDIVIDUAL VARIABLE ANNUITY NONPARTICIPATING TABLE OF CONTENTS PAGE CONTRACT SCHEDULE 3 DEFINITIONS 4 GENERAL PROVISIONS 6 OWNERSHIP PROVISIONS 7 BENEFICIARY PROVISIONS 7 PREMIUM PROVISIONS 8 CONTRACT CHARGES 8 VARIABLE ACCOUNT 9 GUARANTEED ACCOUNT 9 TRANSFERS 11 ANNUITY PROVISIONS 12 ANNUITY OPTIONS 12 DEATH BENEFIT 14 SURRENDER PROVISIONS 16 DELAY OF PAYMENTS 16 FIXED ANNUITY OPTION TABLES 17 VARIABLE ANNUITY OPTION TABLES 18 CONTRACT SCHEDULE CONTRACT NUMBER: ( ) INITIAL PREMIUM: ($5,000)