EX-99.B-4b
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GENERAL PROVISIONS (CONT'D)
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MINIMUM BENEFITS. For any paid-up income option, cash value or death benefit,
the amount available under this Contract will not be less than the minimum
requirements of the state where this Contract was delivered.
MISSTATEMENT OF AGE. If the age of the Annuitant has been misstated, the
payments will be those which the Premium paid would have purchased at the
correct age. Any underpayments will be made up immediately by the Company.
Overpayments will be deducted from future payments.
MODIFICATION OF CONTRACT. Any change or waiver of the provisions of this
Contract must be in writing and signed by the President, a Vice President, the
Secretary or Assistant Secretary of the Company. No agent has authority to
change or waive any provision of this Contract.
NONPARTICIPATING. This Contract does not share in Our surplus or earnings.
PREMIUM TAXES. The Company may deduct from the Contract Value any premium taxes
or other taxes payable to a state or other government entity. Should We advance
any amount so due, We are not waiving any right to collect such amounts at a
later date. We will deduct any withholding taxes required by applicable law.
PROOF OF AGE OR SURVIVAL. The Company may require satisfactory proof of correct
age at any time. If any payment under this Contract depends on the Annuitant,
Owner or Beneficiary being alive, the Company may require satisfactory proof of
survival.
REPORTS. The Company will send You a report at least once a year. This report
will show You information based on each Contract Option You have chosen under
the Contract. We will also send You reports as required by law.
SUBSTITUTION OF INVESTMENT PORTFOLIOS. If any Investment Portfolio is no longer
available for investment by the Separate Account or if, in the judgment of the
Company's Board of Directors, further investment in the Investment Portfolio is
no longer appropriate in view of the purpose of the Contract, the Company may
substitute one Investment Portfolio for another. No substitution of securities
may take place without prior approval of the New York Insurance Department, and
the Securities and Exchange Commission, under any such requirements as they may
impose.
SUSPENSION OF PAYMENTS. The Company may suspend or postpone any payments from
the Investment Portfolios if any of the following occur:
1. The New York Stock Exchange is closed;
2. Trading on the New York Stock Exchange is restricted;
3. An emergency exists such that it is not reasonably practical to dispose of
securities in the Separate Account or to determine the value of its assets;
or
4. The Securities and Exchange Commission, by order, so permits for the
protection of Contract holders.
This provision will only apply to the Separate Account.
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VA402NY-U
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TABLE OF INCOME OPTIONS
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The following table is for this Contract whose net proceeds are $1,000, and will
apply pro rata to the amount payable under this Contract.
UNDER OPTION 4 MONTHLY INSTALLMENT UNDER OPTIONS 1 OR 3
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No. of Monthly No. of Mos. No. of Mos. No. of Mos.
Monthly Install- Age of Certain Age of Certain Age of Certain
Install- ments Payee Payee Payee
ments Life 120 240 Life 120 240 Life 120 240
----- ------- ----- ---- --- --- ----- ---- --- --- ----- ---- --- ---
60 18.60 40 4.47 4.46 4.42 60 5.85 5.74 5.40 80 11.15 8.86 6.25
72 15.83 41 4.51 4.50 4.45 61 5.98 5.84 5.46 81 11.69 9.03 6.25
84 13.86 42 4.55 4.54 4.49 62 6.11 5.96 5.52 82 12.26 9.18 6.26
96 12.38 43 4.60 4.58 4.53 63 6.25 6.07 5.59 83 12.88 9.33 6.27
108 11.23 44 4.64 4.62 4.56 64 6.40 6.20 5.65 84 13.55 9.46 6.27
120 10.32 45 4.69 4.67 4.60 65 6.56 6.33 5.71 85 14.26 9.59 6.27
132 9.57 46 4.74 4.72 4.65 66 6.73 6.47 5.77 86 15.03 9.70 6.27
144 8.96 47 4.80 4.77 4.69 67 6.92 6.61 5.83 87 15.84 9.80 6.28
156 8.43 48 4.85 4.82 4.73 68 7.12 6.76 5.88 88 16.71 9.89 6.28
168 7.99 49 4.91 4.88 4.78 69 7.33 6.92 5.93 89 17.63 9.96 6.28
180 7.60 50 4.98 4.94 4.83 70 7.56 7.08 5.98 90 18.60 10.03 6.28
192 7.27 51 5.04 5.00 4.88 71 7.81 7.25 6.03 91 19.63 10.09 6.28
204 6.98 52 5.11 5.06 4.93 72 8.08 7.42 6.07 92 20.72 10.14 6.28
216 6.72 53 5.19 5.13 4.98 73 8.37 7.60 6.10 93 21.86 10.18 6.28
228 6.48 54 5.26 5.21 5.04 74 8.68 7.78 6.13 94 23.07 10.22 6.28
240 6.28 55 5.35 5.28 5.09 75 9.02 7.96 6.16 95 24.35 10.24 6.28
252 6.09 56 5.44 5.36 5.15 76 9.38 8.15 6.18 96 25.72 10.27 6.28
264 5.92 57 5.53 5.45 5.21 77 9.77 8.33 6.20 97 27.20 10.29 6.28
276 5.77 58 5.63 5.54 5.27 78 10.20 8.51 6.22 98 28.82 10.30 6.28
288 5.63 59 5.74 5.64 5.34 79 10.66 8.69 6.23 99 30.63 10.31 6.28
300 5.51
NOTE: Due to the length of the information, the Table for Option 2 is available
from the Service Center upon Your request.
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