YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, we hope you will contact your representative or the Servicing Office of LNY.
YOUR CONTRACT CAREFULLY. This contract is a legal contract between the contract owner and Fortis Benefits Insurance Company. TABLE OF CONTENTS
YOUR CONTRACT CAREFULLY. This is a legal contract between the Owner and MEMBERS Life Insurance Company, and hereafter will be referred to as the contract. This contract is issued to the Owner in consideration of the application and the initial Purchase Payment. MEMBERS Life Insurance Company will pay the benefits of this contract, subject to its terms and conditions, which will never be less than the amount required by the state law in which the contract is delivered. THE VALUES PROVIDED BY THIS CONTRACT MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO A FIXED DOLLAR AMOUNT. THE PORTION OF CONTRACT VALUE ALLOCATED TO A VARIABLE SUBACCOUNT(S) MAY INCREASE OR DECREASE BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE SUBACCOUNTS SELECTED. THE PORTION OF CONTRACT VALUE ALLOCATED TO A RISK CONTROL ACCOUNT(S) IS BASED IN PART ON THE INVESTMENT EXPERIENCE OF EXTERNAL INDICES. RISK CONTROL ACCOUNT VALUES MAY BE AFFECTED BY THOSE EXTERNAL INDICES, AND AS A RESULT, MAY INCREASE OR DECREASE IN VALUE BASED ON THE INVESTMENT EXPERIENCE OF THE RISK CONTROL ACCOUNT(S), SUBJECT TO THE APPLICABLE INDEX RATE CAP AND INDEX RATE FLOOR. THE RISK CONTROL ACCOUNTS DO NOT DIRECTLY PARTICIPATE IN ANY STOCK OR EQUITY INVESTMENTS. THE RISK CONTROL ACCOUNT VALUE MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD OR DOWNWARD ADJUSTMENT UPON FULL SURRENDER OF THE CONTRACT OR PARTIAL WITHDRAWAL OF RISK CONTROL ACCOUNT VALUE. ANY MARKET VALUE ADJUSTMENT IS IN ADDITION TO ANY SCHEDULED SURRENDER CHARGE. THE DEATH BENEFIT IS NOT SUBJECT TO A SURRENDER CHARGE OR MARKET VALUE ADJUSTMENT. Purchase Payments and transfer amounts allocated to a Variable Subaccount or to a Risk Control Account are held in insulated Separate Accounts. Assets in a Separate Account are not chargeable with liabilities arising out of any other business that we conduct. General Account assets are also available to meet guarantees under this contract as well as our other general obligations. Signed for MEMBERS Life Insurance Company on the Contract Issue Date.
YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, we hope you will contact your representative or the Home Office of LNL. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE. THE AMOUNTS MAY INCREASE OR DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE ARTICLE 4 AND ARTICLE 8). Signed for The Lincoln National Life Insurance Company at its Home Office located at 0000 Xxxxx Xxxxxxx Xxxxxx xx Xxxx Xxxxx, Indiana 46802.
YOUR CONTRACT CAREFULLY. This is a legal Contract between you and us. Payments and values under this Contract, when based on the investment experience of the Sub- accounts may increase or decrease, depending on the investment results of the Sub-accounts; they are not guaranteed as to dollar amounts. Provisions regarding the variable nature of this Contract are found in Section 5. RIGHT TO EXAMINE AND RETURN THIS CONTRACT You may return this Contract by mailing or delivering it to our Customer Service Center at the address shown above or to the producer through whom you purchased it within fifteen days (or thirty days if this is a replacement contract as defined by applicable state regulation) after the date you receive it. If so returned, we will promptly pay you the Accumulation Value plus any charges we have deducted which may be more or less than the Premium paid depending on the investment results of the Sub- accounts. If you are unsure whether your Contract is a replacement contract, please contact us at our Customer Service Center at the phone number or address set forth above. [DEFENSE OF MARRIAGE ACT DISCLOSURE Pursuant to federal law (the Defense of Marriage Act of 1996), certain favorable federal tax treatment available to opposite-sex spouses is not available to same-sex spouses. For instance, federal tax law allows a surviving spouse who is designated the beneficiary under an annuity to continue the annuity when the owner dies. This alternative death benefit option is not available to a same-sex spouse beneficiary. If you are a same-sex spouse, we suggest that you consult with a tax advisor prior to purchasing an annuity contract, such as this one, which provides spousal benefits.] This Contract is non-participating which means it will not pay dividends resulting from any of the surplus or earnings of ING Life Insurance and Annuity Company. ICC12 IL-IA-4030 TABLE OF CONTENTS Page
YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, we hope you will contact your representative or the Administrative Office of Lincoln National.
YOUR CONTRACT CAREFULLY. This is a legal Contract between you and us. Payments and values under this Contract, when based on the investment experience of the Sub- accounts may increase or decrease, depending on the investment results of the Sub-accounts; they are not guaranteed as to dollar amounts. Provisions regarding the variable nature of this Contract are found in Section 5.
YOUR CONTRACT CAREFULLY. Signed for Kansas City Life Insurance Company, a stock company, at its Home Office, 3000 Xxxxxxxx, XX Xxx 000000, Xxxxxx Xxxx, XX 00000-9139.
YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, we hope you will contact your representative or the Home Office of LNL. NOTICE OF 10-DAY RIGHT TO EXAMINE CONTRACT. WITHIN 10 DAYS AFTER THIS CONTRACT IS FIRST RECEIVED, IT MAY BE CANCELLED FOR ANY REASON WITHOUT PENALTY (E.G., THE SALES CHARGE WILL BE RETURNED AND NO MARKET VALUE ADJUSTMENT WILL APPLY) BY DELIVERING OR MAILING IT TO THE REPRESENTATIVE THROUGH WHOM IT WAS PURCHASED OR TO THE HOME OFFICE OF LNL. UPON CANCELLATION, LNL WILL RETURN THE VALUE OF ANY GROSS PURCHASE PAYMENTS MADE TO THE VARIABLE ACCOUNT, THE GUARANTEED INTEREST ACCOUNT AND/OR THE DCA FIXED ACCOUNT OF THE CONTRACT. PAYMENTS AND VALUES BASED ON THE GUARANTEED INTEREST ACCOUNT (INCLUDING TRANSFERS, WITHDRAWALS, SURRENDER, AND/OR ANNUITIZATION) MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT, WHICH MAY RESULT IN UPWARD OR DOWNWARD ADJUSTMENTS IN AMOUNTS PAYABLE TO THE OWNER. ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNT, ARE VARIABLE (THE AMOUNT MAY INCREASE OR DECREASE), AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT (SEE PAGES 6 AND 12). Signed for The Lincoln National Life Insurance Company at its Home Office located at 0000 Xxxxx Xxxxxxx Xxxxxx, Xxxx Xxxxx, Indiana 46802. /s/ Xxx X. Xxxxxx /s/ Xxxxxxxx Xxxxxxxx XXX X. XXXXXX, PRESIDENT XXXXXXXX XXXXXXXX, SECOND VICE PRESIDENT Form 29266 TABLE OF CONTENTS ARTICLE PAGE 1 DEFINITIONS. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 2 PURCHASE PAYMENTS, OPTIONS AND BENEFITS. . . . . . . . . . . . . . . 5
