Free Withdrawal Amount. ’ means an amount equal to the percentage, stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 5.01 in the current Contract Year that may be withdrawn each Contract Year without incurring a Withdrawal Charge. We have the right to change the Free Withdrawal Amount, but it will always be a percentage between 5% and 30% if so provided in the Data Pages.

Free Withdrawal Amount is the maximum amount that can be withdrawn in the Contract Year without being subject to a surrender charge. This amount is described in the Schedule. This term may not apply to your Contract.

Free Withdrawal Amount. Each Contract Year after the first, you can make a withdrawal of a portion of your Account Value free from any Withdrawal Charge. The Free Withdrawal Amount each Contract Year is equal to 10% of total Purchase Payments, less the total Free Withdrawal Amount previously withdrawn in the same Contract Year. This right is non-cumulative.]

## Examples of *Free Withdrawal Amount* in a sentence

The

**Free Withdrawal Amount**each Contract Year is equal to [10%] of total Purchase Payments, less the total**Free Withdrawal Amount**previously withdrawn in the same Contract Year.Amounts withdrawn up to the

**Free Withdrawal Amount**will not be deemed a withdrawal of Contributions for the purpose of calculating a Withdrawal Charge.In the first Contract Year amounts received within [90 days] of the Contract Date are included for purposes of calculating the

**Free Withdrawal Amount**.However the Owner may withdraw up to the

**Free Withdrawal Amount**during a Contract Year without incurring a CDSC.The

**Free Withdrawal Amount**does not apply to a surrender of this Contract.

## More Definitions of *Free Withdrawal Amount*

Free Withdrawal Amount is the maximum amount that can be withdrawn in the Contract Year without being subject to a surrender charge. This amount is described in the Schedule.

Free Withdrawal Amount is the maximum amount that can be withdrawn in a Certificate Year without being subject to a surrender charge. This amount is described in the Schedule. This term may not apply to all Certificates.

Free Withdrawal Amount. The Free Withdrawal Amount is the greater of:

Free Withdrawal Amount means the greater of (1) the current Annuity Account Value, less Contributions that have not been deemed withdrawn and (2) the Free Withdrawal Amount as specified in the Data pages.

Free Withdrawal Amount means an amount equal to that stated in the Data Pages, of the Annuity Account Value, minus the total of all prior withdrawals (and associated Withdrawal Charges) made as described in Section 5.01 in the current Contract Year.

Free Withdrawal Amount means an amount equal to 10% of the Annuity Account Value minus the total of all prior withdrawals (and associated withdrawal charges) in the current Participation Year minus any amount in the Loan Reserve Account without incurring a withdrawal charge. The free withdrawal amount when applicable may be changed but it will always be a percentage between 0% and 30%.

Free Withdrawal Amount. During the first Contract Year, an amount equal to 10% of the premium payments in the first Contract Year. For all other Contract Years, the Free Withdrawal Amount is a percentage of the Contract Account Value at the start of the year less a Reduction Factor, which reflects the usage of the Free Withdrawal Amount in prior Contract Years. The percentage is 20% in the second Contract Year and increases by 10% per year until it reaches a maximum of 50% in the fifth Contract Year. The Reduction Factor for the second Contract Year equals a fraction expressed as a percentage where the numerator equals the free withdrawals made in the first Contract Year and the denominator is the premium payments in the first Contract year. The Reduction Factor for each subsequent Contract Year equals the Reduction Factor for the prior Contract Year plus a fraction expressed as a percentage where the numerator equals the free withdrawals made in the prior Contract Year and the denominator is the Contract Account Value at the beginning of the prior Contract Year. The Free Withdrawal Amount in any year will not be less than 10% of the Contract Account Value at the start of the Contract Year.