GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT

Exhibit 16(4)(u): Flexible Premium Deferred Combination Variable and Fixed Annuity Contract (GA-IA-1112)









------
------	GOLDEN	FLEXIBLE PREMIUM
--------
--------	AMERICAN	DEFERRED COMBINATION
--------------
--------------	LIFE INSURANCE	VARIABLE AND FIXED
-------
-------	COMPANY	ANNUITY CONTRACT

Golden American is a stock company domiciled in Delaware. --------------------------------------------------------------------------------

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

--------------------------------------------------------------------------------


Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

--------------------------------------------------------------------------------

This is a legal Contract between its Owner and Us. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company.

If this Contract is in force, we will make income payments to you starting on the Annuity Commencement Date. If you die prior to the Annuity Commencement Date, we will pay a death benefit to the Beneficiary. The amount of such benefit is subject to the terms of this Contract.

ALL PAYMENTS AND VALUES, WHEN BASED ON THE INVESTMENT EXPERIENCE OF THE VARIABLE SEPARATE ACCOUNT, MAY INCREASE OR DECREASE IN DOLLAR AMOUNT, DEPENDING ON THE CONTRACT'S INVESTMENT RESULTS. ALL PAYMENTS AND VALUES BASED ON THE FIXED ACCOUNT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT, THE OPERATION OF WHICH MAY CAUSE SUCH PAYMENTS AND VALUES TO INCREASE OR DECREASE. PROVISIONS REGARDING THE VARIABLE NATURE OF THIS CONTRACT ARE FOUND ON PAGE 11.

RIGHT TO EXAMINE THIS CONTRACT: YOU MAY RETURN THIS CONTRACT TO US OR THE AGENT THROUGH WHOM YOU PURCHASED IT WITHIN 10 DAYS AFTER YOU RECEIVE IT. IF SO RETURNED, WE WILL TREAT THE CONTRACT AS THOUGH IT WERE NEVER ISSUED. UPON RECEIPT WE WILL PROMPTLY REFUND THE ACCUMULATION VALUE, ADJUSTED FOR ANY MARKET VALUE ADJUSTMENT, PLUS ANY CHARGES WE HAVE DEDUCTED AS OF THE DATE THE RETURNED CONTRACT IS RECEIVED BY US.


	Secretary:
Customer Service Center	/s/ Xxxxx Xxxxxxx-Xxxxxxx

X.X. Xxx 0000
Xxx Xxxxxx, XX 00000-0000	President:

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0-000-000-0000 /s/ Xxxxx Xxxxxx --------------------------------------------------------------------------------FLEXIBLE PREMIUM DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY CONTRACT - NO DIVIDENDS

Variable Cash Surrender Values while the Annuitant and Owner are living and prior to the Annuity Commencement Date. Limited Additional Premium Payment option. Death Benefit subject to guaranteed minimum. Partial Withdrawal Option. Non-participating. Investment results reflected in values.

<PAGE>

CONTRACT CONTENTS

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THE SCHEDULE
Payment and Investment Information	3A
Contract Facts	3B
Charges and Fees	3C
Income Plan Factors	3D

IMPORTANT TERMS	4

INTRODUCTION TO THIS CONTRACT	6
The Contract
The Owner
The Annuitant
The Beneficiary
Change of Owner or Beneficiary

PREMIUM PAYMENTS AND ALLOCATION CHANGES	8
Initial Premium Payment
Additional Premium Payments
Your Right to Change Allocation of
Accumulation Value
What Happens if a Variable Separate Account
Division is Not Available
Restricted Funds
Thresholds
Dollar Cap
Premium Threshold
Allocation Threshold
Thresholds - Effect on Withdrawals
Threshold Processing

HOW WE MEASURE THE CONTRACT'S
ACCUMULATION VALUE	11
The General Account
The Variable Separate Accounts
Measurement of Investment Experience
Fixed Account
Valuation Period
Accumulation Value
Accumulation Value in each Division and
Fixed Allocation
Charges Deducted from Accumulation Value on
each Contract Processing Date

YOUR CONTRACT BENEFITS	17
Partial Withdrawal Option

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Surrender Charge
Waiver of Surrender Charge
Cash Surrender Value
Proceeds Payable to the Beneficiary

BENEFIT OPTION PACKAGES	19
Election of Benefit Option Packages
Description of Benefit Option Package I
Description of Benefit Option Package II
Description of Benefit Option Package III

CHOOSING AN INCOME PLAN	28
Annuity Benefits
Annuity Commencement Date Selection
Frequency Selection
The Income Plan
The Annuity Options
Payment When Named Person Dies

OTHER IMPORTANT INFORMATION	32
Sending Notice to Us
Reports to Owner
Assignment - Using this Contract as
Collateral Security
Contract Changes - Applicable Tax Law
Misstatement of Age or Sex
Non-Participating
Contestability
Payments We May Defer
Authority to Make Agreements
Required Note on Our Computations

Copies of any additional Riders and Endorsements are at the back of this Contract.

THE SCHEDULE

The Schedule gives specific facts about this Contract and its coverage.

Please refer to the Schedule while reading this Contract.

GA-IA-1112
<PAGE>

THE SCHEDULE

PAYMENT AND INVESTMENT INFORMATION --------------------------------------------------------------------------------

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

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Annuitant's Issue Age	Annuitant's Sex	Owner's Issue Age
[55]	[MALE]	[35]

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Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------Contract Date Issue Date Residence Status

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[JANUARY 1, 1996] [JANUARY 1, 1996] [DELAWARE] --------------------------------------------------------------------------------


Schedule Date [JANUARY 1, 1996]	Benefit Option Package [II]

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Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

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INITIAL INVESTMENT
Initial Premium Payment Recieved	[$10,000]

Your initial Accumulation Value has been invested as follows:


	Percentage of
Divisions	Accumulation Value
---------	------------------
[Liquid Asset Division	[50%
Fixed Allocation 1 Year]	50%]

----------------------------


Total	100%
=====	====

3A1

GA-IA-1112

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THE SCHEDULE

PAYMENT AND INVESTMENT INFORMATION (continued)

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

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Annuitant's Issue Age	Annuitant's Sex	Owner's Issue Age
[55]	[MALE]	[35]

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Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

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Contract Date	Issue Date	Residence Status
[JANUARY 1, 1996]	[JANUARY 1, 1996]	[DELAWARE]

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Schedule Date [JANUARY 1, 1996]	Benefit Option Package [II]

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Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

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ADDITIONAL PREMIUM PAYMENT INFORMATION

We will accept additional Premium Payments until the earlier of: (a) 10 years following the Contract Date; or (b) either you or the Annuitant reaches the Attained Age of 86.

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If this Contract is issued as an XXX, no contributions may be made for the taxable year in which you attain age 70 1/2 and thereafter (except for rollover contributions).

The minimum additional payment which may be made is $50.00. Any additional payment which would cause the Contract's Accumulation Value to exceed $1,000,000 requires our prior approval.

GUARANTEED MINIMUM INTEREST RATE

The minimum interest rate which can be declared by us for allocations to the General Account is an effective annual rate of 3.0%.

ALLOCATION CHANGES BY TELEPHONE

You may request allocation changes by telephone during our telephone request business hours. You may call our Customer Service Center at 1-800-366-0066 to make allocation changes by using the personal identification number you will receive. You may also mail any notice or request for allocation changes to our Customer Service Center at the address shown on the cover page.

3A2

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THE SCHEDULE CONTRACT FACTS

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

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Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

--------------------------------------------------------------------------------

CONTRACT FACTS

Contract Processing Date

The Contract Processing Date for your Contract is [April 1] of each year.

Specially Designated Division

When a distribution is made from an investment portfolio underlying a Separate Account Division in which reinvestment is not available, we will allocate the amount of the distribution to the [Liquid Asset Division], or its successor, unless you specify otherwise.

Benefit Option Package
Benefit Option Package [II] was selected.

OPTIONAL BENEFIT RIDERS

[Premium Credit Rider]

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SPECIAL FUNDS

[GCG Core Bond Series, GCG Liquid Asset Portfolio, Fixed Account]


EXCLUDED FUNDS
[None]
RESTRICTED FUNDS
[None]
RESTRICTED FUND LIMITS
Maximum
Allocation % of	Maximum
Accumulation Value	Premium %	Dollar Cap
------------------	---------	----------
[30%]	[99.999%]	[$9,999,999]

GA-IA-1112
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THE SCHEDULE CHARGES AND FEES

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

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Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

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DEDUCTIONS FROM PREMIUMS

None

DEDUCTIONS FROM ACCUMULATION VALUE

Initial Administrative Charge

None

Administrative Charge

We charge a maximum of $30 to cover a portion of our ongoing administrative expenses for each Contract Processing Period. The charge is incurred at the beginning of the Contract Processing Period and deducted on the Contract Processing Date at the end of the period. At the time of deduction, this charge will be waived if: (1) The Accumulation Value is at least $50,000; or (2) The sum of premiums paid to date is at least $50,000

Excess Allocation Charge

[$25.] Any charge will be deducted in proportion to the amount being

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transferred from each Division or Fixed Allocation.

Premium Taxes

We deduct the amount of any premium or other state and local taxes levied by any state or governmental entity when such taxes are incurred. We reserve the right to defer collection of premium taxes until the Contract is surrendered or until application of the Contract's Accumulation Value to an Income Plan. An Excess Partial Withdrawal will result in the deduction of any premium tax then due us on such amount. We reserve the right to change the amount we charge for premium taxes on future Premium Payments to conform with changes in the law or if you change your state of residence.


Surrender Charge

Complete Years Elapsed
Since Premium Payment	0	1	2	3	4	5	6	7+

---------------------------------------------------------------------------Surrender Charges 7% 7% 6% 6% 5% 4% 3% 0%

3C1

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THE SCHEDULE CHARGES AND FEES (continued) --------------------------------------------------------------------------------

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

--------------------------------------------------------------------------------


Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

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Deductions from the Divisions

MORTALITY AND EXPENSE RISK CHARGE - We deduct a charge from the assets in each Variable Separate Account Division on a daily basis for mortality and expense risks. The charge is not deducted from the Fixed Account or General Account values. Prior to the Annuity Commencement Date, the Mortality and Expense Risk Charge varies by Benefit Option Package selected by you, as follows:

-----------------------------------------------------------------


Benefit Option	The Maximum Daily	Equivalent to an Annual
Package Selected:	Charge Is:	Maximum Rate of:

-----------------------------------------------------------------

I [0.003030%] [1.10%]

-----------------------------------------------------------------II [0.003585%] [1.30%] -----------------------------------------------------------------


III	[0.004002%]	[1.45%]
-----------------------------------------------------------------

After the Annuity Commencement Date, the maximum daily Mortality and Expense Risk Charge will be [0.004141%] (equivalent to an annual maximum

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rate of [1.50%]), regardless of Benefit Option Package.

ASSET BASED ADMINISTRATIVE CHARGE - We deduct a charge of not more than [0.000411]% of the assets in each Variable Separate Account Division on a daily basis (equivalent to an annual maximum rate of [0.15]%) to compensate us for a portion of our ongoing administrative expenses. This charge is not deducted from the Fixed Account or General Account values.

CHARGE DEDUCTION DIVISION

If elected by you, all charges against the Accumulation Value in this Contract will be deducted from the [Liquid Asset Division], or its successor.

3C2

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THE SCHEDULE INCOME PLAN FACTORS

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

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Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

--------------------------------------------------------------------------------

Values for other payment periods, ages or joint life combinations are available on request. Monthly payments are shown for each $1,000 applied based on the Annuity 2000 Mortality Table.

OPTION 1: INCOME FOR A FIXED PERIOD

--------------------------------------------------------------------------------Rates for Fixed Annuity Payments with a 3% Guaranteed Interest Rate

--------------------------------------------------------------------------------


Years	Income	Years	Income	Years	Income
5	17.95	14	7.28	23	5.00
6	15.18	15	6.89	24	4.85
7	13.20	16	6.54	25	4.72
8	11.71	17	6.24	26	4.60
9	10.56	18	5.98	27	4.49
10	9.64	19	5.74	28	4.38
11	8.88	20	5.53	29	4.28
12	8.26	21	5.33	30	4.19
13	7.73	22	5.16

--------------------------------------------------------------------------------Rates for Variable Annuity Payments with a 3.5% Assumed Interest Rate (AIR)


--------------------------------------------------------------------------------
Years	Income	Years	Income	Years	Income

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5	18.17	14	7.51	23	5.25
6	15.39	15	7.12	24	5.11
7	13.41	16	6.78	25	4.98
8	11.93	17	6.48	26	4.86
9	10.78	18	6.22	27	4.75
10	9.86	19	5.98	28	4.64
11	9.11	20	5.77	29	4.55
12	8.49	21	5.58	30	4.46
13	7.96	22	5.41

--------------------------------------------------------------------------------Rates for Variable Annuity Payments with a 5% Assumed Interest Rate (AIR)

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Years	Income	Years	Income	Years	Income
5	18.82	14	8.23	23	6.04
6	16.05	15	7.85	24	5.91
7	14.08	16	7.52	25	5.78
8	12.61	17	7.23	26	5.67
9	11.46	18	6.97	27	5.56
10	10.55	19	6.74	28	5.47
11	9.81	20	6.54	29	5.38
12	9.19	21	6.36	30	5.30
13	8.67	22	6.19

3D1

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THE SCHEDULE

INCOME PLAN FACTORS (continued) --------------------------------------------------------------------------------

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Annuitant	Owner
[XXXXXX X. XXX]	[XXXX X. XXX]

--------------------------------------------------------------------------------


Initial Premium	Annuity Option	Annuity Commencement Date
[$10,000]	[LIFE 10-YEAR CERTAIN]	[JANUARY 1, 2026]

--------------------------------------------------------------------------------


Separate Account(s)	Contract Number
[SEPARATE ACCOUNT B AND THE FIXED ACCOUNT]	[123456]

--------------------------------------------------------------------------------

OPTION 2: INCOME FOR LIFE (SINGLE ANNUITANT)

--------------------------------------------------------------------------------Rates for Fixed Annuity Payments with a 3% Guaranteed Interest Rate

--------------------------------------------------------------------------------


	Option 2(b)	Option 2(b)	Option 2(c)
Adjusted	10 Years Certain	20 Years Certain	Refund Certain
Age	Male/Female	Male/Female	Male/Female

50	$4.06/3.83	$3.96/3.77	$3.93/3.75
55	4.43/4.14	4.25/4.05	4.25/4.03
60	4.90/4.56	4.57/4.37	4.66/4.40
65	5.51/5.10	4.90/4.73	5.12/4.83
70	6.26/5.81	5.18/5.07	5.76/5.42

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75	7.11/6.70	5.38/5.33	6.58/6.19
80	7.99/7.70	5.48/5.46	7.69/7.21
85	8.72/8.59	5.52/5.51	8.72/8.59
90	9.23/9.18	5.53/5.53	10.63/10.53

--------------------------------------------------------------------------------Rates for Variable Annuity Payments with a 3.5% Assumed Interest Rate (AIR)

--------------------------------------------------------------------------------


	Option 2(b)	Option 2(b)
Adjusted	10 Years Certain	20 Years Certain
Age	Male/Female	Male/Female

50	4.36/4.12	4.25/4.06
55	4.72/4.43	4.53/4.33
60	5.18/4.84	4.84/4.64
65	5.79/5.37	5.16/4.99
70	6.53/6.08	5.44/5.33
75	7.38/6.96	5.62/5.58
80	8.23/7.95	5.72/5.71
85	8.96/8.83	5.76/5.76
90	9.46/9.41	5.77/5.77

--------------------------------------------------------------------------------Rates for Variable Annuity Payments with a 5% Assumed Interest Rate (AIR)

--------------------------------------------------------------------------------


	Option 2(b)	Option 2(b)
Adjusted	10 Years Certain	20 Years Certain
Age	Male/Female	Male/Female

50	5.28/5.04	5.15/4.98
55	5.62/5.33	5.41/5.22
60	6.06/5.72	5.69/5.50
65	6.65/6.23	5.98/5.82
70	7.36/6.91	6.23/6.13
75	8.17/7.77	6.40/6.36
80	9.00/8.72	6.49/6.48
85	9.69/9.56	6.53/6.53
90	10.17/10.12	6.54/6.54

0X0

XX-XX-0000
<PAGE>

IMPORTANT TERMS --------------------------------------------------------------------------------

ACCUMULATION VALUE - The amount that a Contract provides for investment at any time. Initially, this amount is equal to the premium paid.

ANNUITANT - The person designated by you to be the measuring life in determining Annuity Payments.

ANNUITY COMMENCEMENT DATE - The date on which Annuity Payments begin.

ANNUITY OPTIONS - Options you select that determine the form and amount of Annuity Payments.

ANNUITY PAYMENT - The periodic payment you receive.

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ATTAINED AGE - Your age, or that of the Annuitant, on the Contract Issue Date plus the number of full years elapsed since the Contract Date.

BENEFICIARY - The person designated to receive benefits in the case of your death.

BUSINESS DAY - Any day the New York Stock Exchange ("NYSE") is open for trading, exclusive of federal holidays, or any day on which the Securities and Exchange Commission ("SEC") requires that mutual funds, unit investment trusts or other investment portfolios be valued.

CASH SURRENDER VALUE - The amount you receive upon surrender of the Contract.

CONTRACT ANNIVERSARY - The anniversary of the Contract Date.

CONTRACT DATE - The date we received the initial premium and upon which we begin determining the Contract values. It may not be the same as the Contract Issue Date. This date is used to determine Contract months, processing dates, years, and anniversaries.

CONTRACT ISSUE DATE - The date the Contract is issued at our Customer Service Center.

CONTRACT PROCESSING DATES - The days when we deduct certain charges from the Accumulation Value. If the Contract Processing Date is not a Valuation Date, it will be on the next succeeding Valuation Date. The Contract Processing Date will be on the Contract Anniversary of each year.

CONTRACT PROCESSING PERIOD - The period between successive Contract Processing Dates unless it is the first Contract Processing Period. In that case, it is the period from the Contract Date to the first Contract Processing Date.

CONTRACT YEAR - The period between Contract Anniversaries.

CHARGE DEDUCTION DIVISION - The Division from which all charges are deducted if so designated or elected by you.

CONTINGENT ANNUITANT - The person designated by you who, upon the Annuitant's death prior to the Annuity Commencement Date, becomes the Annuitant.

CREDIT(S) - An amount added by us to the Accumulation Value. Credits, if any, are applied based on the terms and conditions of an optional premium credit rider which may be elected by you and attached to this Contract.

GA-IA-1112
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IMPORTANT TERMS (continued) --------------------------------------------------------------------------------

EXPERIENCE FACTOR - The factor which reflects the investment experience of the portfolio in which a Variable Separate Account Division invests as well as the charges assessed against the Division for a Valuation Period.

FIXED ACCOUNT - This is the Separate Account established to support Fixed Allocations.

FIXED ALLOCATION - An amount allocated to the Fixed Account that is credited

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with a specified interest rate for a specific Guarantee Period.

GENERAL ACCOUNT - An account which contains all of our assets other than those held in our separate accounts.

GUARANTEE PERIOD - The period of years a specified interest rate is guaranteed to be credited to a Fixed Allocation or allocations to available Guaranteed Interest Divisions of the General Account.

GUARANTEED INTEREST DIVISION - A Division of the General Account which we may, from time to time, make available for allocations of Premium Payments or Accumulation Value which we credit with fixed rates of interest for specific Guarantee Periods.

GUARANTEED INTEREST RATE - The effective annual interest rate which we will credit for a specified Guarantee Period.

GUARANTEED MINIMUM INTEREST RATE - The minimum interest rate which can be declared by us for allocations to a Guaranteed Interest Division. The Guaranteed Minimum Interest Rate is shown in the Schedule.

ISSUE AGE - Your age, or that of the Annuitant, on the last birthday on or before the Contract Date.

MARKET VALUE ADJUSTMENT - A positive or negative adjustment to a Fixed Allocation. It may apply if all or part of a Fixed Allocation is withdrawn, transferred, or applied to an Income Plan prior to the end of the Guarantee Period.

MATURITY DATE - The date on which a Guarantee Period matures. The Maturity Date of a Guarantee Period will be on the last day of the calendar month in which the Guarantee Period ends.

OWNER- The person who owns this Contract and is entitled to exercise all rights of the Contract. This person's death also initiates payment of the Death Benefit. "You" and "Your" refer to the Owner.

SCHEDULE DATE - The date on which the Benefit Option Package takes effect. On the Contract Issue Date, the Schedule Date is the same as the Contract Date. Thereafter, if you elect to replace the then current Benefit Option Package with another available Benefit Option Package, the Schedule Date will be the effective date of the change.

SPECIALLY DESIGNATED DIVISION - The Division shown in the Schedule to which distributions from an investment portfolio underlying a Separate Account Division in which reinvestment is not available will be allocated, unless you specify otherwise.

VALUATION DATE - The day at the end of a Valuation Period when each Division is valued.

VALUATION PERIOD - Each business day together with any non-business days before it.

VARIABLE SEPARATE ACCOUNT DIVISION - An investment option available in the Variable Separate Account.

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INTRODUCTION TO THIS CONTRACT --------------------------------------------------------------------------------

THE CONTRACT

This is a legal Contract between you and us. We provide benefits as stated in this Contract. In return, you supply us with the Initial Premium Payment required to put this Contract in effect. This Contract, together with any attached Riders or Endorsements, constitutes the entire Contract. Riders and Endorsements add provisions or change the terms of the basic Contract. Riders and Endorsements added to comply with applicable tax law do not require your consent, but are subject to regulatory approval.

THE OWNER

You are the Owner of this Contract. You are also the Annuitant unless another Annuitant has been named by you and is shown in the Schedule. You have the rights and options described in this Contract, including but not limited to the right to receive the Annuity Benefits on the Annuity Commencement Date.

One or more people may own this Contract. If there are multiple Owners named, the age of the oldest Owner will be used to determine the applicable Death Benefit. In the case of a sole Owner who dies prior to the Annuity Commencement Date, we will pay the Beneficiary the Death Benefit then due. If the sole Owner is not an individual, we will treat the Annuitant as Owner for the purpose of determining when the Owner dies under the Death Benefit provision (if there is no Contingent Annuitant), and the Annuitant's age will determine the applicable Death Benefit payable to the Beneficiary. The sole Owner's estate will be the Beneficiary if no Beneficiary designation is in effect, or if the designated Beneficiary has predeceased the Owner. In the case of a joint Owner dying prior to the Annuity Commencement Date, the surviving Owner(s) will be deemed to be the Beneficiary(ies) and any other Beneficiary(ies) on record will be treated as the contingent Beneficiary(ies).

THE ANNUITANT

The Annuitant is the measuring life of the Annuity Benefits provided under this Contract. The Annuitant must be a natural person. You may name a Contingent Annuitant. The Annuitant may not be changed during the Annuitant's lifetime.

If the Annuitant dies prior to the Annuity Commencement Date, the Contingent Annuitant becomes the Annuitant. If no Contingent Annuitant has been named, we will allow you sixty days to designate someone other than yourself as the Annuitant. You will be the Contingent Annuitant unless you name someone else. If all Owners are not individuals and, through the operation of this provision, an Owner becomes the Annuitant, we will pay the death proceeds to the Beneficiary. If there are joint Owners, we will treat the youngest of the Owners as the Contingent Annuitant designated, unless you elect otherwise.

THE BENEFICIARY

The Beneficiary is the person to whom we pay death proceeds if any Owner dies prior to the Annuity Commencement Date. See "Proceeds Payable to the Beneficiary" for more information. We pay death proceeds to the primary Beneficiary (unless there are joint Owners in which case the Death Benefit

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proceeds are payable to the surviving Owner). If the primary Beneficiary dies before the Owner, the death proceeds are paid to the Contingent Beneficiary, if any. If there is no surviving Beneficiary, we pay the death proceeds to the Owner's estate.

One or more persons may be named as primary Beneficiary or contingent Beneficiary. In the case of more than one Beneficiary, we will assume any death proceeds are to be paid in equal shares to the surviving Beneficiaries. You may specify other than equal shares.

GA-IA-1112
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INTRODUCTION TO THIS CONTRACT (continued) --------------------------------------------------------------------------------

You have the right to change Beneficiaries, unless you designate the primary Beneficiary irrevocable. When an irrevocable Beneficiary has been designated, you and the irrevocable Beneficiary may have to act together to exercise the rights and options under this Contract.

When naming or changing the Beneficiary(ies), you may specify the form of payments of the Death Benefits. We will honor the specified form of payment to the extent permitted under Section 72(s) of the Internal Revenue Code. If the form of payment is not specified, the Beneficiary(ies) may determine the manner of payment, to the extent allowed by the Code.

CHANGE OF OWNER OR BENEFICIARY

During your lifetime and while this Contract is in effect you may transfer ownership of this Contract or change the Beneficiary. To make any of these changes, you must send us written notice of the change in a form satisfactory to us. If there are joint Owners, both must agree to the change. The change will take effect as of the day the notice is signed. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center. A Change of Owner may affect the amount of Death Benefit payable under this Contract. See "Proceeds Payable to Beneficiary" and "Benefit Option Packages" for more information.

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PREMIUM PAYMENTS AND ALLOCATION CHANGES --------------------------------------------------------------------------------

INITIAL PREMIUM PAYMENT

The Initial Premium Payment is required to put this Contract in effect. The amount of the Initial Premium Payment is shown in the Schedule.

ADDITIONAL PREMIUM PAYMENTS

You may make additional Premium Payments under this Contract after the end of the Right to Examine period. Restrictions on additional Premium Payments, such as the Attained Age of the Annuitant or Owner, the period during which we will accept additional premium payments and the timing and amount of each payment, are shown in the Schedule. We reserve the right to

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accept additional premium payments beyond the period stated in the Schedule, or to defer acceptance of or to return any additional Premium Payments if they exceed the restrictions stated in the Schedule, if a Division or Fixed Allocation to which they are allocated is closed, or in order to comply with any law or regulation.

As of the date we receive and accept your additional Premium Payment:

(1)

The Accumulation Value will increase by the amount of the Premium Payment less any premium deductions shown in the Schedule.

(2)

The increase in the accumulation value will be allocated among the Divisions and the Fixed Account in accordance with your instructions. If you do not provide such instructions, allocation will be among the Divisions in proportion to the amount of accumulation value in each Division as of the date we receive and accept the additional premium payment. Allocations to the Fixed Account will be made only upon specific written request.

Where to Make Payments

Remit the Premium Payments to our Customer Service Center at the address shown on the cover page. On request we will give you a receipt signed by our treasurer.

YOUR RIGHT TO CHANGE ALLOCATION OF ACCUMULATION VALUE

You may change the allocation of the Accumulation Value among the available Divisions of the Variable Separate Account, the General Account, and the Fixed Account after the end of the Right to Examine period. Prior to the Annuity Commencement Date, allocation changes in excess of twelve in any Contract Year are subject to the Excess Allocation Charge stated in the Schedule. After the Annuity Commencement Date, allocation changes in excess of four in any Contract Year are subject to the Excess Allocation Charge stated in the Schedule. After Annuity Payments begin under this Contract, allocation changes are not allowed between values providing Fixed Annuity Payments and Variable Annuity Payments. To make an allocation change, you must provide us with satisfactory notice at our Customer Service Center. The change will take effect when we receive the notice. An allocation from the Fixed Account may be subject to a Market Value Adjustment.

Limitation of Allocations

We reserve the right to restrict allocations into and out of the General Account. Such limits may be dollar restrictions on allocations into the General Account or we may restrict reallocations into the General Account.

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PREMIUM PAYMENTS AND ALLOCATION CHANGES (continued) --------------------------------------------------------------------------------

WHAT HAPPENS IF A VARIABLE SEPARATE ACCOUNT DIVISION IS NOT AVAILABLE

When a distribution is made from an investment portfolio supporting a unit investment trust Separate Account Division in which reinvestment is not available, we will allocate the distribution to the Specially Designated Division shown in the Schedule unless you specify otherwise. Such a distribution may occur when an investment portfolio or Division matures, when distribution from a portfolio or Division cannot be reinvested in the portfolio or Division due to the unavailability of securities, or for other reasons. When this occurs because of maturity, we will send written notice

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to you thirty days in advance of such date. To elect an allocation to other than the Specially Designated Division shown in the Schedule, you must provide satisfactory notice to us at least seven days prior to the date the investment matures. Such allocations will not be counted as an allocation change of the Accumulation Value for purposes of the number of free allocations permitted.

RESTRICTED FUNDS

Restricted Funds are subject to limits as to amounts which may be invested or transferred into such Divisions. The designation of a Division as a Restricted Fund may be changed upon 30 days notice to the Owner with regard to future transfers and Premium Payments into such Division. When a new Division is made available it may be designated as a Restricted Fund. If so designated, the rules regarding its restrictions will be sent to you. The total Contract limits which apply to Restricted Funds available under this Contract, if any, are shown in the Schedule.

Thresholds

Each Restricted Fund has one or more thresholds at which point no further amounts may be allocated to that Division. Compliance with a threshold is verified whenever there is a transaction initiated which is subject to such threshold (Premium Payments, transfers, withdrawals). A threshold is applied to the total Accumulation Value of each Restricted Fund. Thresholds may be changed by us for new premiums, transfers or withdrawals by Restricted Fund upon 30 day notice to you.

Dollar Cap

The Dollar Cap is the dollar amount at which no further Accumulation Value may be added to Restricted Funds.

Premium Threshold

The threshold for premium by Restricted Fund limits the amount of any premium which may be allocated to that Division. Should a request for allocation to a Restricted Fund exceed the limit in effect for that Division or for the Contract, any excess over that amount shall be allocated prorata to any non-Restricted Fund(s) in which the Contract is then invested. Should the Contract not be invested in other non-Restricted Funds, the excess will be invested in the Specially Designated Division unless we receive written instructions to do otherwise. Premium allocations must also satisfy the Allocation Threshold.

Allocation Threshold

Allocations into a Restricted Fund are limited to that amount such that the Accumulation Value in that Restricted Fund after such allocation does not exceed the threshold for that Division and does not cause the Contract's total limit on allocation to Restricted Funds to be exceeded. If the amount of an allocation would cause either limit to be exceeded, the allocation will only be executed to the extent the lower limit would allow.

Allocations from a Restricted Fund will be allowed even if the amount remaining in the Restricted Fund after an allocation exceeds the Allocation Threshold. If a program of allocations over time is authorized by us, verification of the threshold will be performed at the initiation of such program. If such program is modified at a later date, a testing of thresholds will be done at that time.

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PREMIUM PAYMENTS AND ALLOCATION CHANGES (continued) --------------------------------------------------------------------------------

Thresholds - Effect on Withdrawals

If a withdrawal is requested while any Accumulation Value is allocated to Restricted Funds and the Allocation Threshold percentage is currently exceeded, the percentage for funds invested in Restricted Funds for the total Contract, after taking into account the withdrawal, may not be higher than prior to the withdrawal. Should the calculated effect of a withdrawal result in the total Contract threshold being exceeded, the excess portion of the withdrawal will be processed prorata from all Variable Divisions. Systematic withdrawals, while the Contract has investments in Restricted Funds, if not withdrawn prorata from all Divisions, shall be monitored annually to assure threshold compliance. Should the effect of such withdrawals cause a Restricted Fund to exceed its threshold, the Divisions from which the withdrawals are processed may be adjusted to assure that the percentage of Accumulation Value in the Restricted Funds does not increase

Threshold Processing

For the purpose of calculating any thresholds, the values for the Divisions will be determined using the prior day's closing Index of Investment Experience.

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HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE --------------------------------------------------------------------------------

THE GENERAL ACCOUNT

The General Account contains all assets of the Company other than those in the Separate Account(s) we establish. We may, from time to time, make available for allocations of Premium Payments or Accumulation Value under this Contract specific Divisions of the General Account (Guaranteed Interest Divisions ) which we credit with fixed rates of interest declared by us for the then available Guarantee Period(s). Any declaration will be by class and will be based solely on our expectations of future earnings, but will never be less than the Guaranteed Minimum Interest Rate shown in the Schedule. We may periodically guarantee higher rates for specific Guarantee Periods based on our sole discretion. Such rates will apply to periods following the date of declaration. Interest will be credited daily at a rate to yield the declared annual Guaranteed Interest Rate.

Guarantee Periods

We may offer any number of Guarantee Periods and may, from time to time, change the Guarantee Periods available. Any change in the Guarantee Periods available under the Contract will not affect existing Allocations in a Guarantee Period until the Guarantee Period Maturity Date. The Guaranteed Interest Rates for an Allocation to a Guaranteed Interest Division are effective for the entire period.

Transfers from the General Account

We currently require that amounts allocated to the General Account not be transferred until the Maturity Date of the applicable Guarantee Period. We reserve the right not to allow amounts previously transferred from the General Account to the Variable Separate Account or Fixed Account to be transferred back to the General Account for a period of at least six months

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from the date of transfer.

THE VARIABLE SEPARATE ACCOUNT

The variable Annuity Benefits under this Contract are provided through investments which may be made in our Separate Account (the "Account"), a unit investment trust Separate Account, organized in and governed by the laws of the State of Delaware, our state of Domicile. The Account is divided into Divisions, each of which is available for investment under this Contract.

The Account is kept separate from our General Account and any other Separate Accounts we may have. It is used to support Variable Annuity Contracts and may be used for other purposes permitted by applicable laws and regulations. We own the assets in the Separate Account. Assets equal to the reserves and other liabilities of the account will not be charged with liabilities that arise from any other business we conduct; but, we may transfer to our General Account assets which exceed the reserves and other liabilities of the Variable Separate Account. Income and realized and unrealized gains or losses from assets in the Variable Separate Account are credited to or charged against the Account without regard to other income, gains or losses in our other investment accounts.

The Variable Separate Account will invest in mutual funds, unit investment trusts and other investment portfolios which we determine to be suitable for this Contract's purposes. The Variable Separate Account is treated as a unit investment trust under Federal securities laws. It is registered with the Securities and Exchange Commission ("SEC") under the Investment Company Act of 1940. The Variable Separate Account is also governed by state law as described above.

Variable Separate Account Divisions

A unit investment trust Separate Account is divided into Divisions, each investing in a designated investment portfolio. The Divisions and the investment portfolios designated may be managed by a separate investment adviser. Such adviser may be registered under the Investment Advisers Act of 1940.

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HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) --------------------------------------------------------------------------------

Changes within the Variable Separate Account

We may, from time to time, make additional Variable Separate Account Divisions available to you. These Divisions will invest in investment portfolios we find suitable for this Contract. We also have the right to eliminate Divisions from a Variable Separate Account, to combine two or more Divisions or to substitute a new portfolio for the portfolio in which a Division invests. A substitution may become necessary if, in our judgment, a portfolio or Division no longer suits the purpose of this Contract. This may happen due to a change in laws or regulations, a change in a portfolio's investment objectives or restrictions, because the portfolio or Division is no longer available for investment, or for some other reason. We will obtain any required regulatory approvals before making such a substitution

Subject to any required regulatory approvals, we reserve the right to

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transfer assets of the Variable Separate Account which we determine to be associated with the class of contracts to which this Contract belongs, to another Variable Separate Account or Division.

When permitted by law, we reserve the right to:

(1) deregister a Variable Separate Account under the Investment Company Act of 1940; (2) operate a Variable Separate Account as a management company under the Investment Company Act of 1940, if it is operating as a unit investment trust; (3) operate a Variable Separate Account as a unit investment trust under the Investment Company Act of 1940, if it is operating as a managed Variable Separate Account; (4) restrict or eliminate any voting rights of Owners, or other persons who have voting rights to a Variable Separate Account; and (5) combine a Variable Separate Account with other Variable Separate Accounts.

MEASUREMENT OF INVESTMENT EXPERIENCE

Index of Investment Experience

The Index of Investment Experience is the index that measures the performance of a Variable Separate Account Division. The investment experience of a Variable Separate Account Division is determined on each Valuation Date. We use an Index to measure changes in each Division's experience during a Valuation Period. We set the Index at $10 when the first investments in a Division are made. The Index for a current Valuation Period equals the Index for the preceding Valuation Period multiplied by the Experience Factor for the current Valuation Period.

How We Determine the Experience Factor (Net Return Factor)

For Divisions of a unit investment trust Separate Account, the Experience Factor reflects the Investment Experience of the portfolio in which the Division invests as well as the charges assessed against the Division for a Valuation Period. The factor is calculated as follows: (1) We take the net asset value of the portfolio in which the Division invests at the end of the current Valuation Period.

(2) We add to (1) the amount of any dividend or capital gains distribution declared for the investment portfolio and reinvested in such portfolio during the current Valuation Period. We subtract from that amount a charge for our taxes, if any.

(3) We divide (2) by the net asset value of the portfolio at the end of the preceding Valuation Period.

(4) We subtract the daily Mortality and Expense Risk Charge for each Division described in the Schedule for each day in the Valuation Period.

(5) We subtract the daily Asset Based Administrative Charge described in the Schedule for each day in the Valuation Period.

Calculations for Divisions investing in unit investment trusts are on a per unit basis.

Net Rate of Return for a Variable Separate Account Division (Net Return Rate) The Net Rate of Return for a Variable Separate Account Division during a Valuation Period is the Experience Factor for that Valuation Period minus one.

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HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) --------------------------------------------------------------------------------

FIXED ACCOUNT

The Fixed Account is a Separate Account under state insurance law and is not required to be registered with the Securities and Exchange Commission under the Investment Company Act of 1940. Interests in the Fixed Account are registered under the Securities Act of 1933. The Fixed Account includes various Fixed Allocations which we credit with fixed rates of interest declared by us for the then available Guarantee Period(s) you select. Any declaration will by class and will be based solely on our expectations of future earnings. We reset the interest rates for new Fixed Allocations periodically based on our sole discretion. Such rates will apply to periods following the date of declaration. Any declaration will be by class and will be based on our future expectations. Interest will be credited daily at a rate to yield the declared annual Guaranteed Interest Rate

Minimum Fixed Allocation

The minimum allocation to the Fixed Account in any one Fixed Allocation is $250.00.

Guarantee Periods

We may offer any number of Guarantee Periods and may, from time to time, change the Guarantee Periods available. Any change in the Guarantee Periods available under the Contract will not affect existing Fixed Allocations in a Guarantee Period until the Guarantee Period Maturity Date.

The Guaranteed Interest Rates for a Fixed Allocation are effective for the entire period. The Maturity Date of a Guarantee Period will be on the last day of the calendar month in which the Guarantee Period ends. Withdrawals and transfers made during a Guarantee Period may be subject to a Market Value Adjustment unless made within thirty days prior to the Maturity Date.

Upon the Maturity Date of a Guarantee Period, we will transfer the Accumulation Value of the expiring Fixed Allocation to a Fixed Allocation with a Guarantee Period equal in length to the expiring Guarantee Period, unless you select another period prior to its Maturity Date. We will notify you at least thirty days prior to a Maturity Date of your options for renewal. If the period remaining from the expiry of the previous Guarantee Period to the Annuity Commencement Date is less than the period you have elected or the period expiring, the next shortest period then available that will not extend beyond the Annuity Commencement Date will be offered to you. If a period is not available, the Accumulation Value will be transferred to the Specially Designated Division.

Market Value Adjustments

A Market Value Adjustment will be applied to a Fixed Allocation upon withdrawal, transfer or application to an Income Plan if made more than thirty days prior to such Fixed Allocation's Maturity Date, except on Systematic Partial Withdrawals and XXX Partial Withdrawals AS DESCRIBED IN "YOUR CONTRACT BENEFITS". The Market Value Adjustment is applied to each Fixed Allocation separately and may be positive, negative or result in no change.

Market Value Adjustment During The Right to Examine Period

The Market Value Adjustment is determined by multiplying the amount of the

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Accumulation Value withdrawn by the following factor:

(((1+I)/(1+J))^(N/365))-1

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HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) --------------------------------------------------------------------------------

MARKET VALUE ADJUSTMENT FOLLOWING THE RIGHT TO EXAMINE PERIOD

The Market Value Adjustment is determined by multiplying the amount of the Accumulation Value withdrawn, transferred or applied to an Income Plan by the following factor:

(((1+I)/(1+J+.0050))^(N/365))-1

where: I is the Index Rate for a Fixed Allocation on the first day of the applicable Guarantee Period; J is the Index Rate for new Fixed Allocations with Guarantee Periods equal to the number of years (fractional years rounded up to the next full year) remaining in the Guarantee Period at the time of calculation; and N is the remaining number of days in the Guarantee Period at the time of calculation.

Index Rate

The Index Rate is the average of the Ask Yields for the U.S. Treasury Strips as reported by a national quoting service for the applicable maturity. The average is based on the period from the 22nd day of the calendar month two months prior to the calendar month of Index Rate determination to the 21st day of the calendar month immediately prior to the month of determination. The applicable maturity date for these U.S. Treasury Strips is on or next following the last day of the Guarantee Period. If the Ask Yields are no longer available, the Index Rate will be determined using a suitable replacement method subject to any required regulatory approval. We currently set the Index Rate once each calendar month. However, we reserve the right to set the Index Rate more frequently than monthly, but in no event will such Index Rate be based on a period less than 28 days.

Market Value Adjustments will be applied as follows:

(1)	The Market Value Adjustment will be applied to the amount withdrawn before deduction of any applicable Surrender Charge.
(2)	For a Partial Withdrawal, partial transfer or in the case where a portion of an allocation is applied to an Income Plan, the Market Value Adjustment will be calculated on the total amount that must be withdrawn, transferred or applied to an Income Plan in order to provide the amount requested
(3)	If the Market Value Adjustment is negative, it will be assessed first against any remaining Accumulation Value in the particular Fixed Allocation. Any remaining Market Value Adjustment will be applied against the amount withdrawn, transferred or applied to an Income Plan.
(4)	If the Market Value Adjustment is positive, it will be credited to any remaining Accumulation Value in the particular Fixed Allocation. If a cash surrender, full transfer or full application to an Income Plan has been requested, the Market Value Adjustment is added to the amount withdrawn, transferred or applied to an Income Plan.

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VALUATION PERIOD

Each Division and Fixed Allocation will be valued at the end of each Valuation Period on a Valuation Date.

ACCUMULATION VALUE

The Accumulation Value of this Contract is the sum of the amounts in each of the Divisions of the Variable Separate Account, the General Account, and the Fixed Account. You select how to allocate the Accumulation Value among the available Divisions and the Fixed Account.

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HOW WE MEASURE THE CONTRACT'S ACCUMULATION VALUE (continued) --------------------------------------------------------------------------------

ACCUMULATION VALUE IN EACH DIVISION AND FIXED ALLOCATION

On the Contract Date

On the Contract Date, the Accumulation Value is allocated to each Division and Fixed Allocation as elected by you, subject to certain terms and conditions imposed by us. We reserve the right to allocate premium to the Specially Designated Division during any Right to Examine period. After such time, allocation will be made proportionately in accordance with the initial allocation(s) as elected by you.

On each Valuation Date

At the end of each subsequent Valuation Period, the amount of Accumulation Value in each Division and Fixed Allocation will be calculated as follows: (1) We take the Accumulation Value in the Division or Fixed Allocation at the end of the preceding Valuation Period.

(2) We multiply (1) by the Variable Separate Account Division's Net Rate of Return for the current Valuation Period or we calculate the interest to be credited to a Fixed Allocation or to a Guaranteed Interest Division for the current Valuation Period. (3) We add (1) and (2).

(4) We add to (3) any additional Premium Payments (less any premium deductions shown in the Schedule) allocated to the Division or Fixed Allocation during the current Valuation Period.

(5) We add or subtract allocations to or from that Division or Fixed Allocation during the current Valuation Period.

(6) We subtract from (5) any Partial Withdrawals from the Division or Fixed Allocation during the current Valuation Period.

(7) We subtract from (6) the amounts deducted from that Division or Fixed Allocation for:

(a)	any charges due for the Optional Benefit Riders shown in the Schedule;
(b)	any deductions from Accumulation Value as shown in the Schedule.

However, if elected, amounts deducted will be taken from the Charge Deduction Division.

CHARGES DEDUCTED FROM ACCUMULATION VALUE ON EACH CONTRACT PROCESSING DATE

Expense charges and fees are shown in the Schedule.

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Charge Deduction Division Option

We will deduct all charges against the Accumulation Value of this Contract from the Charge Deduction Division if you elected this option (see the Schedule). If you did not elect this Option or if the charges are greater than the amount in the Charge Deduction Division, the charges against the Accumulation Value will be deducted as follows:

(1)	If these charges are less than the Accumulation Value in the Variable Separate Account Divisions, they will be deducted proportionately from all Divisions.
(2)	If these charges exceed the Accumulation Value in the Variable Separate Account Divisions, any excess over such value will be deducted proportionately from any Fixed Allocations and Guaranteed Interest Divisions.

Any charges taken from the Fixed Account or the General Account will be taken from Allocations starting with the Guarantee Period nearest its Maturity Date until such charges have been paid.

At any time while this Contract is in effect, you may change your election of this Option. To do this you must send us a written request to our Customer Service Center. Any change will take effect within seven days of the date we receive your request.

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YOUR CONTRACT BENEFITS

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While this Contract is in effect, there are important rights and benefits that are available to you. We discuss these rights and benefits in this section.

PARTIAL WITHDRAWAL OPTION

To take a Partial Withdrawal, you must provide us satisfactory written notice at our Customer Service Center. The maximum amount that can be withdrawn each Contract Year without being considered an Excess Partial Withdrawal is described below. We will collect a Surrender Charge for Excess Partial Withdrawals and any unrecovered Premium Taxes.

We will treat as a request to surrender the Contract any request for a Partial Withdrawal which (a) exceeds 90% of the Cash Surrender Value; and (b) reduces the Cash Surrender Value after such withdrawal to less than $2,500.

Minimum Withdrawal Amount

The Minimum Withdrawal Amount that can be taken is $100.

Conventional Partial Withdrawals

The maximum amount that can be taken as a Conventional Partial Withdrawal each Contract Year without being considered an Excess Partial Withdrawal is the Free Amount, equal to 10% of the Contract's Accumulation Value, determined as of the date of withdrawal. If Benefit Option Package III is elected, any percentage of the Free Amount not taken in any Contract Year, calculated as of the last withdrawal in that year, will accumulate to a maximum of 30%. If Option III is elected after the Contract Date, this right of accumulation will begin on the date Option III is elected.

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Any Conventional Partial Withdrawal from Fixed Allocations is subject to a Market Value Adjustment unless withdrawn within 30 days prior to the Maturity Date.

Systematic Partial Withdrawals

Systematic Partial Withdrawals may be elected to commence after 28 days from the Contract Issue Date and may be taken on a monthly, quarterly or annual basis. You select the day withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the same day of the month as the Contract Date will be used.

Maximum Systematic Partial Withdrawal Amounts:


	Variable Separate	.833% of Accumulation Value monthly,
	Account Divisions:	2.5% of Accumulation Value quarterly or
	10% of Accumulation Value annually, not previously withdrawn.

	Fixed Allocations and	Interest earned on a Fixed Allocation or
	Guaranteed Interest	Guaranteed Interest Division for the
	Divisions	prior month, quarter or year (depending
		on the frequency selected).

Systematic Partial Withdrawals which do not exceed the Maximum Systematic Partial Withdrawal Amounts are not subject to Surrender Charges. Systematic Partial Withdrawals of interest from Fixed Allocations are not subject to a Market Value Adjustment.

Systematic Partial Withdrawals and Conventional Partial Withdrawals may not be taken in the same Contract Year.

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YOUR CONTRACT BENEFITS

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XXX Partial Withdrawals for Qualified Plans Only

Partial Withdrawals may be taken from a Contract issued as an XXX on a monthly, quarterly or annual basis. Such XXX Partial Withdrawals will not be subject to Surrender Charges to the extent that they do not exceed the Minimum Required Distribution based on the Accumulation Value of this Contract, as set forth in the Internal Revenue Code. A minimum withdrawal of $100.00 is required. You select the day the withdrawals will be made, but no later than the 28th day of the month. If you do not elect a day, the same day of the month as the Contract Date will be used. An XXX Partial Withdrawal in excess of the Systematic Partial Withdrawal Amounts described above may be subject to a Market Value Adjustment.

Systematic Partial Withdrawals and Conventional Partial Withdrawals are not allowed when XXX Partial Withdrawals are being taken.

SURRENDER CHARGE

A Surrender Charge may be imposed as a percentage of premium not previously withdrawn if the Contract is surrendered or an Excess Partial Withdrawal is taken. The percentage imposed at time of surrender or Excess Partial Withdrawal depends on the number of complete years that have elapsed since a Premium Payment was made. The Surrender Charge expressed as a percentage

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of each Premium Payment not previously withdrawn is as follows:


Complete Years Elapsed
Since Premium Payment	0	1	2	3	4	5	6	7+

---------------------------------------------------------------------------Surrender Charges 7% 7% 6% 6% 5% 4% 3% 0%

To determine the Surrender Charge on Excess Partial Withdrawals, the withdrawals will occur in the following order:

(1)	The Free Amount;
(2)	Premium Payments made seven or more years prior to the withdrawal;
(3)	Premium Payments made less than seven years prior to withdrawal; and
(4)	Any Remaining Accumulation Value.

Free Amounts are not treated as withdrawals of Premium Payments for purposes of calculating any Surrender Charge.

Waiver of Surrender Charge

No Surrender Charges will be assessed for an Excess Partial Withdrawal or surrender if:

(1)	More than one Contract Year has elapsed since the Contract Date; and
(2)	The withdrawal or surrender is requested within three years after your admission to and confinement in a licensed Nursing Care Facility for 45 consecutive days.

This waiver does not apply if you spent at least one day in a licensed Nursing Care Facility during the two week period immediately preceding or immediately following the Contract Date.

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YOUR CONTRACT BENEFITS (continued) --------------------------------------------------------------------------------

CASH VALUE BENEFIT

Cash Surrender Value

The Cash Surrender Value, while the Annuitant is living and before the Annuity Commencement Date, is determined as follows:

(1) We take the Contract's Accumulation Value;

(2) We adjust for any applicable Market Value Adjustment; (3) We deduct any Surrender Charges; (4) We deduct any charges shown in the Schedule that have been incurred but not yet deducted, including:

(a)	any administrative charge that has not yet been deducted;
(b)	the pro rata part of any charges for Optional Benefit Riders; and
(a)	any applicable premium or other tax.

Cancelling to Receive the Cash Surrender Value

On or before the Annuity Commencement Date if the Annuitant is living, you may surrender this Contract to us. To do this, you must return this Contract with a signed request for cancellation to our Customer Service Center. The Cash Surrender Value will vary daily. We will determine the

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Cash Surrender Value as of the date we receive the Contract and your signed request in our Customer Service Center. All benefits under this Contract will then end. We will usually pay the Cash Surrender Value within seven days; but, we may delay payment as described in the Payments We May Defer provision.

PROCEEDS PAYABLE TO THE BENEFICIARY

Prior to the Annuity Commencement Date

If you die prior to the Annuity Commencement Date, we will pay the Beneficiary the Death Benefit based on the Benefit Option Package elected and in effect on the date of death. If there are joint Owners and any Owner dies, we will pay the surviving Owner(s) the Death Benefit. We will pay the amount on receipt of due proof of the Owner's death at our Customer Service Center. Such amount may be received in a single lump sum or applied to any of the Annuity Options (see Choosing an Income Plan). When the Owner (or all Owners where there are joint Owners) is not an individual, the Death Benefit will become payable on the death of the Annuitant prior to the Annuity Commencement Date (unless a Contingent Annuitant survived the Annuitant). Only one Death Benefit is payable under this Contract. In all events, distributions under the Contract must be made as required by applicable law.

How to Claim Payments to Beneficiary

We must receive proof of the Owner's (or the Annuitant's) death before we will make any payments to the Beneficiary. We will calculate the Death Benefit as of the date we receive due proof of death. The Beneficiary should contact our Customer Service Center for instructions.

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BENEFIT OPTION PACKAGES

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This Contract offers three Benefit Option Packages. The Option Package you elect is shown in the Schedule.

ELECTION OF BENEFIT OPTION PACKAGES

On any Contract Anniversary prior to and including the date you reach Attained Age 80, you may elect to replace the Benefit Option Package in effect with another Benefit Option Package provided you are the sole Owner and you and the Annuitant meet the eligibility criteria stated below. Such election must be received by us in writing at our Customer Service Center on or during the sixty day period immediately preceding the Contract Anniversary.

The effective date of the newly elected Benefit Option Package will be the Contract Anniversary at the end of the sixty day election period. We will issue another Schedule reflecting the new Benefit Option Package Chosen. This new Schedule will reflect the new Schedule Date and the revised Charges, if any, for the Benefit Option Package elected.

SPECIAL FUNDS AND EXCLUDED FUNDS

The allocation of Accumulation Value to the Variable Separate Account Divisions, the General Account, and the Fixed Account may be subject to specific limitations or rules when calculating the Death Benefits provided

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in each of the Benefit Option Packages described below. Such allocations are called Special Funds and Excluded Funds. Special Funds and Excluded Funds, if any, are shown in the Schedule.

We may add newly available Divisions as Special Funds or Excluded Funds. We may also reclassify an existing Division as a Special Fund or Excluded Fund or remove such designation(s) upon 30 days notice to you. Such reclassifications will apply to amounts transferred or otherwise allocated to such Division after the date of the change. We may reduce any applicable Mortality and Expense Risk Charge for that portion of the Contract allocated to a Special Fund or Excluded Fund.

COVERED FUNDS

Any divisions not designated as Special or Excluded shall be Covered.

DESCRIPTION OF BENEFIT OPTION PACKAGE I

Benefit Option Package I is not available if, at the time of election, the Contract's Accumulation Value is less than $15,000 ($1,500 for Qualified Plans).

The Death Benefit is the greatest of (i), (ii) and (iii) below, where: (i) is the Accumulation Value less any Credits applied after or within 12 months of the date of death; (ii) is the Guaranteed Death Benefit less any Credits applied after or within 12 months of the date of death; (iii) is the Cash Surrender Value.

Guaranteed Death Benefit

The Guaranteed Death Benefit is equal to the sum of I and II below.

I.	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:

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(1)	Start with the Guaranteed Death Benefit Base for Covered Funds from the prior Valuation Date.
(2)	Add any additional premiums paid and any Credits allocated to Covered Funds during the current Valuation Period to (1).
(3)	Adjust (2) for any transfers to or from Excluded Funds during the current Valuation Period.
(4)	Subtract from (3) any Partial Withdrawal Adjustments for any Partial Withdrawal made from Covered Funds during the current Valuation Period.

The Guaranteed Death Benefit Base for Excluded Funds has a corresponding definition, but with respect to amounts allocated to Excluded Funds.

Transfers from Excluded Funds to Covered Funds will reduce the Guaranteed

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Death Benefit Base for Excluded Funds on a pro-rata basis. The resulting increase in the Guaranteed Death Benefit Base for Covered Funds will equal the lesser of the reduction in the Guaranteed Death Benefit Base for Excluded Funds and the net Accumulation Value transferred.

Transfers from Covered Funds to Excluded Funds will reduce the Guaranteed Death Benefit Base for Covered Funds on a pro-rata basis. The resulting increase in the Guaranteed Death Benefit Base for Excluded Funds will equal the reduction in Guaranteed Death Benefit Base for Covered Funds.

Partial Withdrawal Adjustments

For any partial withdrawal, the Death Benefit components will be reduced on a pro-rata basis. The pro-rata adjustment is equal to (1) divided by (2) multiplied by (3), where: (1) is the Accumulation Value withdrawn; (2) is the Accumulation Value immediately prior to withdrawal; and (3) is the amount of the applicable Death Benefit component immediately prior to the withdrawal. Separate adjustments will apply to the amounts in the Covered and Excluded Funds.

Change of Owner

A change of Owner will result in recalculation of the Death Benefit and the Guaranteed Death Benefit. If the new Owner's Attained Age at the time of the change is less than 86, the Guaranteed Death Benefit in effect prior to the change will remain in effect and the Death Benefit provision shall apply. If the new Owner's Attained Age is 86 or greater at the time of the change, or if the new owner is not an individual (other than a trust created for the benefit of the owner or annuitant), the Guaranteed Death Benefit will be zero, and the Death Benefit will then be the Cash Surrender Value.

Spousal Continuation upon Death of Owner

If at the Owner's death, the surviving spouse of the deceased Owner is the Beneficiary and such surviving spouse elects to continue the Contract as their own pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (1) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, before deducting any Credits, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.

(2) The Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age. (3) At subsequent surrender, any Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable Surrender Charge.

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Non Spousal Continuation upon Death of Owner

If, at the Owner's death, the non spouse beneficiary of the deceased Owner elects to continue the Contract for the purpose of taking distributions pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (1) If the Guaranteed Death Benefit as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.

(2) Thereafter, the Guaranteed Death Benefit will no longer be available under this Contract, and the amount payable upon the death of the non spouse beneficiary, if such beneficiary dies while receiving distributions under this Contract, will be the Accumulation Value as of the date we receive due proof of such beneficiary's death.

(3) No additional premium payments may be made under this Contract following the date we receive due proof of death of the Owner. (4) At subsequent surrender, any applicable Surrender Charges will be waived.

DESCRIPTION OF BENEFIT OPTION PACKAGE II

Benefit Option Package II is not available if there are Joint Contract Owners or if, at the time of election, the Contract's Accumulation Value is less than $5,000 ($1,500 for Qualified Plans).

Death Benefit

The Death Benefit is the greatest of (i), (ii), (iii) and (iv) below, where: (i) is the Accumulation Value less any Credits applied after or within 12 months of the date of death; (ii) is the Guaranteed Death Benefit less any Credits applied after or within 12 months of the date of death; (iii) is the Cash Surrender Value; and (iv) is the Minimum Death Benefit, less any Credits applied after or within 12 months of the date of death.

Minimum Death Benefit

The Minimum Death Benefit is equal to the sum of I and II below: I. The Accumulation Value allocated to Excluded Funds; and II. Adjusted Premium for Covered Funds.

Adjusted Premium for Covered Funds shall mean all premium and any credits allocated to Covered Funds, plus an adjustment for any amounts transferred to Covered Funds, less a pro-rata adjustment for any amounts transferred or withdrawn from Covered Funds. The amount of the pro-rata adjustment will equal (a) times (b) divided by (c), where: (a) is the Adjusted Premium for Covered Funds prior to the transfer or withdrawal; (b) is the Accumulation Value of the transfer or withdrawal; and (c) is the Accumulation Value allocated to Covered Funds before the transfer or withdrawal.

Adjusted Premium for Excluded Funds has the same definition, but with respect to amounts allocated to Excluded Funds.

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Transfers from Excluded Funds to Covered Funds increase the Adjusted Premium for Covered Funds by the lesser of the reduction of the Adjusted Premium for Excluded Funds and net Accumulation Value transferred. Transfers from Covered Funds to Excluded Funds increase the Adjusted Premium for Excluded Funds by the reduction in the Adjusted Premium for Covered Funds.

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Guaranteed Death Benefit

The Guaranteed Death Benefit is equal to the sum of I and II below.

I.	The Guaranteed Death Benefit Base for Covered Funds
II.	The Accumulation Value allocated to Excluded Funds

If the Schedule Date is the Contract Date, the Guaranteed Death Benefit Base for Covered Funds as of such date is the initial premium plus any Credits, if applicable, allocated to Covered Funds. If the Schedule Date is other than the Contract Date:

(1)	If a transfer from Benefit Option Package I has occurred, the Guaranteed Death Benefit Base for Covered Funds as of the new Schedule Date is set to equal the Accumulation Value allocated to Covered Funds minus any fees or charges deducted as of such date; and
(2)	If a transfer from Benefit Option Package III has occurred, the Guaranteed Death Benefit Base for Covered Funds as of the new Schedule Date is set to equal the Alternate Guaranteed Death Benefit Base for Covered and Special Funds as defined under Benefit Option Package III as of such date.

On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is calculated as follows:

(1)	Start with the Guaranteed Death Benefit Base for Covered Funds on the prior Valuation Date.
(2)	Add to (1) any additional premium and any Credits allocated to the Covered Funds during the current Valuation Period and adjustments for transfers to Covered Funds during the current Valuation Period and subtract from (1) any adjustment for transfers from Covered Funds during the current Valuation Period and any Partial Withdrawal Adjustments for any Partial Withdrawals taken from Covered Funds during the current Valuation Period.
(3)	On a Valuation Date that occurs on or prior to the Owner's attained age 90, which is also a Contract Anniversary, we set the Guaranteed Death Benefit Base for Covered Funds equal to the greater of (2) or the Accumulation Value allocated to Covered Funds minus any fees or charges deducted as of such date. On all other Valuation Dates, the Guaranteed Death Benefit Base for Covered Funds is equal to (2).

The Guaranteed Death Benefit Base for Excluded Funds has a corresponding definition, but with respect to amounts allocated to Excluded Funds.

Transfers from Excluded Funds to Covered Funds will reduce the Guaranteed Death Benefit Base for Excluded Funds on a pro-rata basis. The resulting

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increase in the Guaranteed Death Benefit Base for Covered Funds will equal the lesser of the reduction in the Guaranteed Death Benefit Base for Excluded Funds and the net Accumulation Value transferred.

Partial Withdrawal Adjustments

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Change of Owner

If there is a change in ownership and the new Owner's Attained Age at the time of the change is less than 81, the Guaranteed Death Benefit in effect prior to the change will remain in effect and the provisions for Benefit Option Package II will continue to apply. If the new Owner's Attained Age at the time of the change is 81 or greater, if Joint Owners are named, or if the new Owner is not an individual (except in the case of a trust issued for the benefit of the owner or annuitant), the provisions of Benefit Option Package I will apply and we will issue a new Schedule reflecting the Schedule Date and the revised charges, if any, applicable to Benefit Option Package I.

Spousal Continuation upon Death of Owner

(1)	If the greater of (ii) and (iv) in the Death Benefit provision as of the date we receive due proof of death of the Owner, before deducting any Credits, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.
(2)	The Guaranteed Death Benefit and the Minimum Death Benefit will continue to apply, using the surviving spouse's age as the determining age.
(3)	At subsequent surrender, any Surrender Charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable Surrender Charge.

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Non Spousal Continuation upon Death of Owner

If, at the Owner's death, the non spouse beneficiary of the deceased Owner elects to continue the Contract for the purpose of taking distributions pursuant to Internal Revenue Code Section 72(s) or the equivalent provisions of U.S. Treasury Department rules for qualified plans, the following will apply: (1) If the greater of (ii) and (iv) in the Death Benefit provision as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.

(2) Thereafter, the Guaranteed Death Benefit and Minimum Death Benefit will no longer be available under this Contract, and the amount payable upon the death of the non spouse beneficiary, if such beneficiary dies while receiving distributions under this Contract, will be the Accumulation Value as of the date we receive due proof of such beneficiary's death.

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BENEFIT OPTION PACKAGES (continued) --------------------------------------------------------------------------------

DESCRIPTION OF BENEFIT OPTION PACKAGE III

Benefit Option Package III is not available if there are Joint Contract Owners or if, at the time of election, the Contract's Accumulation Value is less than $5,000 ($1,500 for Qualified Plans).

The Death Benefit is the greatest of (i), (ii), (iii), (iv) and (v) below, where: (i) is the Accumulation Value less any Credits applied after or within 12 months of the date of death; (ii) is the lesser of (a) and (b), less any Credits applied after or within 12 months of the date of death where (a) is the Guaranteed Death Benefit, and (b) is the Maximum Guaranteed Death Benefit; (iii) the Cash Surrender Value; (iv) is the Minimum Death Benefit, less any Credits applied after or within 12 months of the date of death; and (v) the Alternate Guaranteed Death Benefit less any Credits applied after or within 12 months of the date of death.

Minimum Death Benefit

The Minimum Death Benefit is equal to the sum of I and II below: I. The Accumulation Value allocated to Excluded Funds; and II. Adjusted Premium for Covered and Special Funds.

Adjusted Premium for Covered and Special Funds shall mean all premium and

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any Credits allocated to Covered or Special Funds, plus an adjustment for any amounts transferred to Covered or Special Funds, less a pro-rata adjustment for any amounts transferred or withdrawn from Covered or Special Funds. The amount of the pro-rata adjustment will equal (a) times (b) divided by (c), where: (a) is the Adjusted Premium for Covered and Special Funds prior to the transfer or withdrawal; (b) is the Accumulation Value of the transfer or withdrawal; and (c) is the Accumulation Value allocated to Covered and Special Funds before the transfer or withdrawal. Adjusted Premium for Excluded Funds has the same definition, but with respect to amounts allocated to Excluded Funds.

Transfers from Excluded Funds to Covered or Special Funds increase the Adjusted Premium for Covered and Special Funds by the lesser of the reduction of the Adjusted Premium for Excluded Funds and net Accumulation Value transferred. Transfers from Covered or Special Funds to Excluded Funds increase the Adjusted Premium for Excluded Funds by the reduction in the Adjusted Premium for Covered and Special Funds.

Guaranteed Death Benefit

The Guaranteed Death Benefit is equal to the sum of I, II and III below.

I.	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 Schedule Date, the Guaranteed Death Benefit Base for Covered Funds is set to equal the Accumulation Value allocated to Covered Funds 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: (1) Start with the Guaranteed Death Benefit Base for Covered Funds on the prior Valuation Date.

(2) Calculate Interest on (1) for the current Valuation Period at the Guaranteed Death Benefit Interest Rate shown below.

(3) Add (1) and (2).

(4) Add to (3) any additional premiums and any Credits allocated to Covered Funds during the current Valuation Period.

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(5)	Add to or subtract from (4) adjustments for transfers made during the current Valuation Period.
(6)	Subtract from (5) the amount of any Partial Withdrawal Adjustments for any partial withdrawals made from Covered Funds during the current Valuation Period.

The Guaranteed Death Benefit Base for Excluded Funds has a corresponding definition, but with respect to amounts allocated to Excluded Funds.

On the Schedule Date, the Guaranteed Death Benefit Base for Special Funds is set to equal the Accumulation Value allocated to Special Funds minus any fees or charges deducted as of such date. On subsequent Valuation Dates, the Guaranteed Death Benefit Base for Special Funds is calculated as follows:

(1)	Start with the Guaranteed Death Benefit Base for Special Funds on the prior Valuation Date.

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(2) Add to (1) any additional premiums and any Credits allocated to Special Funds during the current Valuation Period.

(3) Add to or subtract from (3) adjustments for transfers made during the Valuation Period.

(4) Subtract from (3) the amount of any Partial Withdrawal Adjustments for any partial withdrawals made from Special Funds during the current Valuation Period.

Transfers

Transfers from Special Funds to Covered or Excluded Funds will reduce the Guaranteed Death Benefit Base for Special Funds on a pro-rata basis. The resulting increase in the Guaranteed Death Benefit Base for Covered or Excluded Funds will equal the reduction in the Guaranteed Death Benefit Base for Special Funds.

Transfers from Covered Funds to Special or Excluded Funds will reduce the Guaranteed Death Benefit Base for Covered Funds on a pro-rata basis. The resulting increase in the Guaranteed Death Benefit Base for Special or Excluded Funds will equal the reduction in Guaranteed Death Benefit Base for Covered Funds.

Transfers from Excluded Funds to Covered or Special Funds will reduce the Guaranteed Death Benefit Base for Excluded Funds on a pro-rata basis. The resulting increase in the Guaranteed Death Benefit Base for Covered or Special Funds will equal the lesser of the reduction in the Guaranteed Death Benefit Base for Excluded Funds and the net Accumulation Value transferred.

Guaranteed Death Benefit Interest Rate

The Guaranteed Death Benefit Interest Rate is 5%, except that for any Valuation Period ending after the Contract Anniversary on which the Owner attains age 90, or after the Maximum Guaranteed Death Benefit has been reached, the Guaranteed Death Benefit Interest Rate will be 0%.

Maximum Guaranteed Death Benefit

The Maximum Guaranteed Death Benefit is equal to three times premium paid, plus three times any Credits, reduced by the amount of any Partial Withdrawal Adjustments. Any addition due to spousal continuation will not affect the Maximum Guaranteed Death Benefit or the Guaranteed Death Benefit Base.

Partial Withdrawal Adjustments

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Alternate Guaranteed Death Benefit

The Alternate Guaranteed Death Benefit is equal to the sum of I and II below.

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I.	The Alternate Guaranteed Death Benefit Base for Covered and Special Funds
II	The Accumulation Value allocated to Excluded Funds

If the Schedule Date is the Contract Date, the Alternate Guaranteed Death Benefit Base for Covered and Special Funds as of such date is the initial premium plus any Credits, if applicable, allocated to Covered and Special Funds. If the Schedule Date is other than the Contract Date:

(1)	If a transfer from Benefit Option Package I has occurred, the Alternate Guaranteed Death Benefit Base for Covered and Special Funds as of the new Schedule Date is set to equal the Accumulation Value allocated to Covered and Special Funds minus any fees or charges deducted as of such date; and
(2)	If a transfer from Benefit Option Package II has occurred, the Alternate Guaranteed Death Benefit Base for Covered and Special Funds as of the new Schedule Date is set to equal the Guaranteed Death Benefit Base for Covered Funds as defined under Benefit Option Package II as of such date.

On subsequent Valuation Dates, the Alternate Guaranteed Death Benefit Base for Covered and Special Funds is calculated as follows:

(1)	Start with the Alternate Guaranteed Death Benefit Base for Covered and Special Funds from the prior Valuation Date.
(2)	Add to (1) any additional premium and any Credits allocated to Covered and Special Funds during the current Valuation Period
(3)	Add to (or subtract from) (2) adjustments for transfers made during the current Valuation Period.
(4)	Subtract from (3) any Partial Withdrawal Adjustments for any partial withdrawals taken from Covered and Special Funds during the current Valuation Period.
(5)	On a Valuation Date that occurs on or prior to the Owner's attained age 90, which is also a Contract Anniversary, we set the Alternate Guaranteed Death Benefit Base for Covered and Special Funds equal to the greater of (4) or the Accumulation Value in Covered and Special Funds minus any fees and charges deducted as of such date. On all other Valuation Dates, the Alternate Guaranteed Death Benefit Base for Covered and Special Funds is equal to (4).

The Alternate Guaranteed Death Benefit Base for Excluded Funds has a corresponding definition, but with respect to amounts allocated to Excluded Funds.

Transfers

Transfers from Special or Covered Funds to Excluded Funds will reduce the Alternate Guaranteed Death Benefit Base for Covered and Special Funds on a pro-rata basis. The resulting increase in the Alternate Guaranteed Death Benefit Base for Excluded Funds will equal the reduction in the Alternate Guaranteed Death Benefit Base for Covered and Special Funds.

Transfers from Excluded Funds to Covered or Special Funds will reduce the Alternate Guaranteed Death Benefit Base for Excluded Funds on a pro-rata basis. The resulting increase in the Alternate Guaranteed Death Benefit Base for Covered and Special Funds will equal the lesser of the reduction in the Alternate Guaranteed Death Benefit Base for Excluded Funds and the net Accumulation Value transferred.

Change of Owner

If there is a change in ownership and the new Owner's Attained Age at the time of the change is less than 81, the Guaranteed Death Benefit in effect

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prior to the change will remain in effect and the provisions for Benefit Option Package III will continue to apply. If the new Owner's Attained Age at the time of the change is 81 or greater, if Joint Owners are named, or if the new Owner is not an individual (except in the case of a trust issued for the benefit of the owner or annuitant), the provisions of Benefit Option Package I will apply and we will issue a new Schedule reflecting the Schedule Date and the revised charges, if any, applicable to Benefit Option Package I.

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Spousal Continuation upon Death of Owner

(1)	If the greatest of (ii), (iv) and (v) in the Death Benefit provision as of the date we receive due proof of death of the Owner, before deducting any Credits, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.
(2)	The Guaranteed Death Benefit, the Alternate Guaranteed Death Benefit, the Minimum Death Benefit, and the Maximum Guaranteed Death Benefit will continue to apply, with all age criteria using the surviving spouse's age as the determining age.
(3)	At subsequent surrender, any surrender charge applicable to premiums paid prior to the date we receive due proof of death of the Owner will be waived. Any premiums paid later will be subject to any applicable surrender charge.

Non Spousal Continuation upon Death of Owner

(1)

If the greatest of (ii), (iv) and (v) in the Death Benefit provision as of the date we receive due proof of death of the Owner, minus the Accumulation Value, also as of that date, is greater than zero, we will add such difference to the Accumulation Value. Such addition will be allocated to the Divisions of the Separate Account then available in the same proportion as the Accumulation Value in each available Division bears to the Accumulation Value in all such Divisions. If there is no Accumulation Value in any Division then available, the addition will be allocated to the Specially Designated Division.

(2)

Thereafter, the Guaranteed Death Benefit, the Alternate Guaranteed Death Benefit, the Minimum Death Benefit, and the

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Maximum Guaranteed Death Benefit will no longer be available under this Contract, and the amount payable upon the death of the non spouse beneficiary, if such beneficiary dies while receiving distributions under this Contract, will be the Accumulation Value as of the date we receive due proof of such beneficiary's death.

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CHOOSING AN INCOME PLAN --------------------------------------------------------------------------------

ANNUITY BENEFITS

If you and the Annuitant are living on the Annuity Commencement Date, we will begin making payments to you. We will make these payments under the Annuity Option (or Options) elected by you. You may elect to apply any portion of the Accumulation Value (minus any applicable premium tax) to any Annuity Option by making a written request at least 30 days prior to the Annuity Commencement Date. When the Annuity Option is elected, you must also tell us if payments are to be made as a Fixed Annuity, a Variable Annuity or some combination of Fixed and Variable Annuity. If Variable Annuity payments are elected, you must also select the Assumed Interest Rate (AIR) and specify the portion of the Accumulation Value (less any applicable premium tax) to be allocated to the available Divisions. If no Annuity Option has been elected by the Required Annuity Commencement Date, payments will be made as a Fixed Annuity under Option 2 on a 10-year period certain basis. The amount of the payments will be determined by applying the Accumulation Value on the Annuity Commencement Date in accordance with the Annuity Options section below (see Payments We May Defer). After payments begin, only those payable as Variable Annuity Payments under Option 1 may be commuted to a lump sum and Surrender Charges may apply.

Before we pay any Annuity Benefits, we require the return of this Contract. If this Contract has been lost, we require the applicable lost Contract form.

Fixed Annuity Payments

If Fixed Annuity payments are chosen, the payment rate for the option chosen, shown in the tables in the Schedule, reflects the minimum guaranteed interest rate. Interest rates actually paid may be higher.

Variable Annuity Payments

If Variable Annuity payments are chosen, the initial payment for the option chosen, shown in the Schedule, reflects the Assumed Interest Rate selected by you. Thereafter, the Divisions must earn this rate plus enough to cover any deductions stated in the Schedule if future Annuity Payments are to remain level. If earnings exceed this amount, Annuity Payments will increase; if earnings are less, Annuity Payments will decrease.

Annuity Units

The Number of Annuity Units is based on the amount of the first Variable Annuity Payment which is equal to:

(1)	The portion of the Accumulation Value applied to pay a Variable Annuity Payment (minus any applicable premium tax); divided by

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(2)	1,000; multiplied by
(3)	The payment rate in the tables shown in the Schedule for the option chosen.

Such amount, or portion, of the Variable Annuity Payment will be divided by the appropriate Annuity Unit Value on the tenth Valuation Date before the due date of the first payment to determine the number of Annuity Units. Thereafter, the number of Annuity Units remains unchanged. Each future payment is equal to the sum of the products of each Annuity Unit Value multiplied by the appropriate number of Annuity Units. The Annuity Unit Value on the tenth Valuation Date prior to the due date of the payment is used.

Annuity Unit Value

On any Valuation Date, an Annuity Unit Value is equal to:

(1)	The Annuity Unit Value on the previous Valuation Day; multiplied by
(2)	The Annuity Net Return Factor(s) for the Valuation Date; multiplied by
(3)	A Factor to reflect the AIR.

The Annuity Unit Value and Annuity Payment amount may go up or down due to investment gain or loss.

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CHOOSING AN INCOME PLAN (continued) --------------------------------------------------------------------------------

Net Return Factor

The Net Return Factor(s) is(are) used to compute all Variable Annuity Payments for any Division in the Variable Separate Account. The Net Return Factor for each Division is equal to 1.0000 plus the Net Rate of Return.

The Net Rate of Return is equal to:

(1)	The value of the shares of the Division at the end of a Valuation Date; minus
(2)	The value of shares of the Division at the start of the Valuation Date; plus or minus
(3)	Taxes (or reserves for taxes) on the Separate Account (if any); divided by
(4)	The value of shares of the Division at the start of the Valuation Date; minus
(5)	The daily Asset Based Administrative Charges and Mortality and Expense Risk Charges described in the Schedule for each day in the Valuation Period.

A Net Return Rate may be more or less than 0%.

The value of a share in a Division is equal to the net assets of the Division divided by the number of shares outstanding.

Annuity Payments shall not be changed due to mortality or expense results.

ANNUITY COMMENCEMENT DATE SELECTION

You select the Annuity Commencement Date. You may select any date following

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the first Contract Anniversary but before the Required Date of Annuity Commencement stated below. On the Annuity Commencement Date, the age of the Annuitant plus the number of years payments are guaranteed must not exceed 100. If you do not select a date, the Annuity Commencement Date will be in the month following the required date of Annuity Commencement. In applying the Accumulation Value, we may first collect any Premium Taxes due us. If, on the Annuity Commencement Date, a Surrender Charge remains and you select Annuity Option 1, your Annuity Option must include a period certain of at least 10 years duration.

Required Date of Annuity Commencement

Distributions from a Contract funding a Qualified Plan must commence no later than April 1st of the calendar year following the calendar year in which you attain age 70 1/2. Otherwise, the Annuity Commencement Date may be no later than the same date as the Contract Processing Date in the month following the later of the Annuitant's 90th birthday or 10 years after the last Premium Payment.

FREQUENCY SELECTION

You may choose the frequency of the Annuity Payments. They may be monthly, quarterly, semi-annually or annually. If we do not receive written notice from you, the payments will be made monthly.

THE INCOME PLAN

While this Contract is in effect and before the Annuity Commencement Date, you may choose one or more Annuity Options for the payment of Death Benefit proceeds. If, at the time of your death, no Option has been chosen for paying the Death Benefit proceeds, the Beneficiary may choose an Option within one year. You may also elect an Annuity Option on surrender of the Contract for its Cash Surrender Value. For each Option we will issue a separate written agreement putting the Option into effect.

Our Approval is needed for any Option where:

(1) the person named to receive payment is other than you or the Beneficiary; or (2) the person named is not a natural person, such as a corporation; or (3) any income payment would be less than the Minimum Annuity Income Payment stated below.

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CHOOSING AN INCOME PLAN (continued) --------------------------------------------------------------------------------

THE ANNUITY OPTIONS

Option 1. Income for a Fixed Period

Payment is made in equal installments for a fixed number of years. The number of years must be at least 5 and not more than 30.

Option 2. Single Life Income

Payment is made to the person named in equal monthly installments based on one of the following, as elected by you:

(a)	Payments continue as long as the Annuitant is living and cease at the Annuitant's death.

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(b) Payments continue for a period certain and continue thereafter as long as the Annuitant is living. The period certain may be between 5 and 30 years as specified by you.

(c) Payments continue as long as the Annuitant is living. At the Annuitant's death, the difference between the sum of the payments made and the Accumulation Value applied to this option is paid to the Beneficiary in a lump sum. This "Cash Refund" feature is available only if the total amount applied to the Option is taken as a Fixed Annuity payment.

Option 3. Joint Life Income

This Option is available if there are two Annuitants, one of whom is designated the Primary Annuitant and the other the Secondary Annuitant. Monthly payments continue as long as at least one of the Annuitants is living based on one of the following, as elected by you:

(a)	Payments continue as long as either Annuitant is living;
(b)	Payments continue for a period certain and continue thereafter as long as either Annuitant is living. The period certain may be between 5 and 30 years as specified by you;
(c)	Payments continue as long as either Annuitant is living. At the death of both Annuitants, the difference between the sum of the payments made and the Accumulation Value applied to this option is paid to the Beneficiary in a lump sum. This "Cash Refund" feature is available only if the total amount applied to the Option is taken as a Fixed Annuity payment.

If Fixed Annuity Payments are chosen under Options 1, 2(a), 2(b), 3(a) or 3(b), you may also elect to have payments increase annually at 1%, 2% or 3% compounded annually.

Payment may be made under any other method mutually agreed upon by you and us.

Minimum Annuity Income Payment

The minimum initial monthly annuity income payment that we will make is $50. The minimum total income payments in any one year is $250. We have the right to increase these minimums based upon increases reflected in the Consumer Price Index - Urban (CPI-U) since July 1, 1993.

PAYMENT WHEN NAMED PERSON DIES

When the person named to receive payment dies, we will pay any amounts still due as provided by the Annuity Option elected. The amounts still due are determined as follows: (1) For Option 1, or for any remaining guaranteed payments in Option 2 or Option 3, payments will be continued.

(2) For Option 2a, no amounts are payable after the Annuitant's death.

(3) For Option 3a, no amounts are payable after the death of both Annuitants.

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OTHER IMPORTANT INFORMATION --------------------------------------------------------------------------------

SENDING NOTICE TO US

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Whenever written notice is required, send it to our Customer Service Center. The address of our Customer Service Center is shown on the cover page. Please include your Contract number in all correspondence.

REPORTS TO OWNER

We will send you a report at least once during each Contract Year. The report will show the Accumulation Value and the Cash Surrender Value as of the end of the Contract Processing Period. The report will also show the allocation of the Accumulation Value as of such date and the amounts deducted from or added to the Accumulation Value since the last report. The report will also include any information that may be currently required by the insurance supervisory official of the jurisdiction in which the Contract is delivered.

We will also send you copies of any shareholder reports of the portfolios in which the Divisions of the Variable Separate Account invest, as well as any other reports, notices or documents required by law to be furnished to Owners.

ASSIGNMENT - USING THIS CONTRACT AS COLLATERAL SECURITY

You may assign this Contract as collateral security for a loan or other obligation. This does not change the ownership. Your rights and any Beneficiary's right are subject to the terms of the assignment. The Beneficiary's rights may be subordinate to those of an assignee unless the Beneficiary was designated as an irrevocable Beneficiary prior to the assignment. To make or release an assignment, we must receive written notice satisfactory to us, at our Customer Service Center. We are not responsible for the validity of any assignment.

CONTRACT CHANGES - APPLICABLE TAX LAW

We reserve the right to make changes in this Contract or its Riders to the extent necessary to continue to qualify this Contract as an annuity. Any such changes will apply uniformly to all Contracts that are affected. You will be given advance written notice of such changes.

MISSTATEMENT OF AGE OR SEX

If an age or sex has been misstated, the amounts payable or benefits provided by this Contract will be those that the Premium Payment made would have bought at the correct age or sex.

NON-PARTICIPATING

This Contract does not participate in our divisible surplus.

CONTESTABILITY

This Contract is incontestable from its date of issue.

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OTHER IMPORTANT INFORMATION (continued) --------------------------------------------------------------------------------

PAYMENTS WE MAY DEFER

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We may not be able to determine the value of the assets in the Variable Separate Account because: (1) The NYSE is closed for trading; (2) the SEC determines that a state of emergency exists; (3) an order or pronouncement of the SEC permits a delay for the protection of Owners; or (4) the check used to pay the premium has not cleared through the banking system. This may take up to 15 days.

During such times, as to amounts allocated to the Variable Separate Account, we may delay:

(1)	determination and payment of the Cash Surrender Value;
(2)	determination and payment of any Death Benefit if death occurs before the Annuity Commencement Date;
(3)	allocation changes of the Accumulation Value; or
(4)	application of the Accumulation Value under an income plan.

As to amounts allocated to the General Account and Fixed Account, we may, at any time, defer payment of the Cash Surrender Value for up to six months after we receive a request for it. We will allow interest of at least 3.0% a year or greater if required by state law, on any Cash Surrender Value payment derived from the General Account or Fixed Account that we defer 30 days or more.

AUTHORITY TO MAKE AGREEMENTS

All agreements made by us must be signed by one of our officers. No other person, including an insurance agent or broker, has the authority to:

(1)	change any of this Contract's terms;
(4)	extend the time for Premium Payments; or
(5)	make any agreement binding on us.

REQUIRED NOTE ON OUR COMPUTATIONS

We have filed a detailed statement of our computations with the insurance supervisory official in the jurisdiction where this Contract is delivered. The values are not less than those required by the law of that state or jurisdiction. Any benefit provided by an attached Optional Benefit Rider will not increase these values unless otherwise stated in that Rider.

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FLEXIBLE PREMIUM DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY CONTRACT - NO DIVIDENDS --------------------------------------------------------------------------------

Variable Cash Surrender Values while the Annuitant and Owner are living and prior to the Annuity Commencement Date. Limited Additional Premium Payment Option. Death Benefit subject to guaranteed minimum. Partial Withdrawal Option. Non-participating. Investment results reflected in values.

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Table of Contents

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT

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