Common use of The Guaranteed Death Benefit Base for Covered Funds II Clause in Contracts

The Guaranteed Death Benefit Base for Covered Funds II. The Accumulation Value allocated to Excluded Funds On the Contract Date, the Guaranteed Death Benefit Base for Covered Funds is the initial premium allocated to Covered Funds. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows: IU-IA-3014 19 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------

The Guaranteed Death Benefit Base for Covered Funds II. The Guaranteed Death Benefit Base for Special Funds III. The Accumulation Value allocated to Excluded Funds On the Contract Schedule Date, the Guaranteed Death Benefit Base for Covered Funds is set to equal the initial premium Accumulation Value allocated to Covered FundsFunds minus any fees or charges deducted as of such date. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows: IU-IA-3014 19 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------:

The Guaranteed Death Benefit Base for Covered Funds II. The Accumulation Value allocated to Excluded Funds On If the Schedule Date is the Contract Date, the Guaranteed Death Benefit Base for Covered Funds as of such date is the initial premium allocated to Covered Funds. On subsequent Valuation Dates, If the Guaranteed Death Benefit Base for Covered Funds Schedule Date is calculated as follows: IU-IA-3014 19 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------other than the Contract Date:

The Guaranteed Death Benefit Base for Covered Funds II. The Accumulation Value allocated to Excluded Funds On the Contract Date, the Guaranteed Death Benefit Base for Covered Funds is the initial premium plus any Credits, if applicable, allocated to Covered Funds. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows: IU-IA-3014 19 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------

The Guaranteed Death Benefit Base for Covered Funds II. The Accumulation Value allocated to Excluded Funds On the Contract Certificate Date, the Guaranteed Death Benefit Base for Covered Funds is the initial premium allocated to Covered Funds. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows: IU-IA-3014 19 MP-3014 20 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------

The Guaranteed Death Benefit Base for Covered Funds II. The Accumulation Value allocated to Excluded Funds On the Contract Certificate Date, the Guaranteed Death Benefit Base for Covered Funds is the initial premium plus any Credits, if applicable, allocated to Covered Funds. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows: IUGA-IA-3014 19 MA-1112 20 BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------