Your Contract Sample Contracts

CONTRACT INDEX
Your Contract • March 2nd, 1999 • Variable Annuity Account
GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

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:

Annuitant Owner [Thomas J. Doe] [John Q. Public] Initial Premium Annuity Option Annuity Commencement Date [$10,000] [Life-10 Year Certain] [January 1, 2024] Separate Account(s) Contract Number [Separate Account B and the Fixed Account] [123456]
Your Contract • February 2nd, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

[IF DEATHBEN="1": The Death Benefit is the greatest of (i) the Accumulation Value, (ii) the Guaranteed Death Benefit, (iii) the Cash Surrender Value, and (iv) the sum of premiums paid, less any partial withdrawals.

GOLDEN AMERICAN DEFERRED VARIABLE LIFE INSURANCE ANNUITY CONTRACT COMPANY Golden American is a stock company domiciled in Delaware. -------------------------------------------------------------------------------
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

GOLDEN --------AMERICAN ----------LIFE INSURANCE -------COMPANY DEFERRED COMBINATION VARIABLE AND FIXED ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | Initial Premium Annuity Option | |Annuity Commencement Date | | [$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026]| | Separate Account(s) Contract Number | | [SEPARATE ACCOUNT B] [123456] |
Your Contract • February 2nd, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions of the Variable Separate Account and the General Account shown in the Schedule.

GOLDEN -------AMERICAN ---------LIFE INSURANCE -----COMPANY SINGLE PREMIUM DEFERRED MODIFIED GUARANTEED ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

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

GOLDEN FLEXIBLE PREMIUM -------- AMERICAN DEFERRED COMBINATION -------------- LIFE INSURANCE VARIABLE AND FIXED ------- COMPANY ANNUITY CONTRACT
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.

Annuitant Owner(s) | |[THOMAS J. DOE] [JOHN Q. DOE] | |Initial Premium Annuity Option Annuity Commencement Date | |[$10,000] [LIFE 10-YEAR CERTAIN] [JANUARY 1, 2026] | |Separate Account(s) Contract Number | |[THE MVA FIXED ACCOUNT] [123456] |
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between you and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Divisions offered under the Separate Account, as shown in the Schedule.

Annuitant Owner | | [THOMAS J. DOE] [JOHN Q. DOE] | | 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...
Your Contract • February 5th, 2018 • VOYA INSURANCE & ANNUITY Co • Life insurance

This is a legal Contract between its Owner and us. Please read it carefully. In this Contract you or your refers to the Owner shown above. We, our or us refers to Golden American Life Insurance Company. You may allocate this Contract's Accumulation Value among the Variable Separate Account, the General Account and the Fixed Account shown in the Schedule.