Common use of BENEFICIARY PROVISIONS Clause in Contracts

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is as stated on the application, unless later changed by Your Written Request. One or more Beneficiaries can be named in the application. If more than one Beneficiary is named, each can be classed as primary or contingent. If two or more persons are named in a class, their shares in the proceeds can be stated. The stated shares in the proceeds will be paid to any primary Beneficiaries. If no primary Beneficiaries survive, payment will be made to any surviving contingent Beneficiaries. If You have not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiary, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date, in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more of the Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the application. You may change the allocation at any time. We will send confirmation of Your changes. Any subsequent Premium received will be allocated in accordance with the most recently received allocation instructions.

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is the person or persons who will receive the Death Benefit if the Owner dies prior to the Annuity Date. Joint Owners — If the Contract is owned by joint Owners, each of the Owner and joint Owner shall automatically be designated as stated on the applicationother’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary — If an Owner or joint Owner survives, unless later changed by Your Written Requestthat survivor is the Beneficiary. One If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries can be named in of the application. If more than one Beneficiary is named, each can be classed as same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If two any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or more persons trustee, we are named not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in a classeffect before payment of the Death Benefit, their shares in the proceeds can be stated. The stated shares in the proceeds Death Benefit will be paid to any primary Beneficiariesother Beneficiaries named, according to their respective interests. If no primary Beneficiaries survive, payment will be made to any surviving contingent Beneficiaries. If Changing Your Beneficiary — You have not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the last surviving Owner's estate. CHANGE OF BENEFICIARY - To may change a BeneficiaryBeneficiary designation, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have received it, the change will be effective on the date the Written Request is signed. We will not be liable for a any payment made or other action taken by us before the change of Beneficiary must be or addition was received by us at Our our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After You cannot remove an Owner or joint Owner as Beneficiary other than through the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date, in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more ownership provisions of the Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the application. You may change the allocation at any time. We will send confirmation of Your changes. Any subsequent Premium received will be allocated in accordance with the most recently received allocation instructionsthis Contract.

BENEFICIARY PROVISIONS. BENEFICIARY Designation of Beneficiary - The Beneficiary is as stated on the applicationperson you name who may receive any death benefit proceeds, unless later changed by Your Written Request. One or more Beneficiaries can be named in any remaining annuity payments after the applicationAnnuity Date, if the Annuitant or Owner dies. If more than one you leave no surviving Beneficiary, your estate may receive the death benefit proceeds. If the Beneficiary is nameda trustee, each can we will neither be classed as primary or contingentresponsible for verifying a trustee's right to receive any death benefit proceeds, nor for how the trustee disposes of any death benefit proceeds. If two before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or more persons are named is not in a classeffect, their shares in the then any death benefit proceeds can be stated. The stated shares in the proceeds payable will be paid to any primary Beneficiaries. If no primary Beneficiaries survivethe Contingent Beneficiary, payment will be made to any surviving contingent Beneficiaries. If You have if living; if not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the last surviving Owner's estate. CHANGE OF BENEFICIARY Adding or Changing Your Beneficiary - To change a You may add, change, or remove any Beneficiary, a Written Request for a change other than an irrevocable Beneficiary, subject to the terms of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Ownerany assignment, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date, in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more death of the Subaccounts of Annuitant or Owner, by providing us with a request in a form satisfactory to us. However, if you have named an irrevocable Beneficiary, you may not add any new Beneficiary, or remove or change the Variable Account irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the applicationus. You may change remove any non-irrevocable Beneficiary without obtaining the allocation at any timeconsent of the irrevocable Beneficiary. We will send confirmation of Your changesQualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any subsequent Premium received change or addition will be allocated in accordance with take effect only when the most recently received allocation instructionsnotice is signed, subject to our receipt.

BENEFICIARY PROVISIONS. BENEFICIARY - The Beneficiary is the person or persons who will receive the Death Benefit if the Owner dies prior to the Annuity Date. Joint Owners - If the Contract is owned by joint Owners, each of the Owner and joint Owner shall automatically be designated as stated on the applicationother’s first Beneficiary. No other Beneficiary designations will take effect if either the Owner or joint Owner survives. Designation of Beneficiary - If an Owner or joint Owner survives, unless later changed by Your Written Requestthat survivor is the Beneficiary. One If no Owner or joint Owner survives, other Beneficiary designations take effect. You may designate Beneficiaries (other than an Owner or joint Owner) as primary or contingent to indicate the order in which they will receive the Death Benefit. If you name two or more Beneficiaries can be named in of the application. If more than one Beneficiary is named, each can be classed as same class (primary or contingent), they will share the Death Benefit equally unless you have requested a different division among them. You may designate a primary Beneficiary as irrevocable. Your initial Beneficiary designations are stated on your Specifications Pages. If two any Beneficiary dies before the Owner, that Beneficiary’s interest will go to the other Beneficiaries named, according to their respective interests. If you leave no surviving Beneficiary, your estate will receive the Death Benefit. If the Beneficiary is a trust or more persons trustee, we are named not responsible for verifying the trust’s or trustee’s right to receive the Death Benefit, or for how the trustee distributes the proceeds. If we receive a Written Request indicating that the trust has been revoked or is not in a classeffect before payment of the Death Benefit, their shares in the proceeds can be stated. The stated shares in the proceeds Death Benefit will be paid to any primary Beneficiariesother Beneficiaries named, according to their respective interests. If no primary Beneficiaries survive, payment will be made to any surviving contingent Beneficiaries. If Changing Your Beneficiary - You have not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the last surviving Owner's estate. CHANGE OF BENEFICIARY - To may change a BeneficiaryBeneficiary designation, other than an irrevocable Beneficiary designation, at any time by providing a Written Request to us, subject to the terms of any assignment. If you have named an irrevocable Beneficiary, you may not add any new primary Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. Once we have recorded it, the change will be effective on the date the Written Request is signed. We will not be liable for a any payment made or other action taken by us before the change of Beneficiary must be or addition was received and recorded by us at Our our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After You cannot remove an Owner or joint Owner as Beneficiary other than through the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date, in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more ownership provisions of the Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the application. You may change the allocation at any time. We will send confirmation of Your changes. Any subsequent Premium received will be allocated in accordance with the most recently received allocation instructionsthis Contract.

BENEFICIARY PROVISIONS. BENEFICIARY Designation of Beneficiary - The Beneficiary is as stated on the applicationperson you name who may receive any death benefit proceeds, unless later changed by Your Written Request. One or more Beneficiaries can be named in any remaining annuity payments after the applicationAnnuity Date, if the Annuitant or Owner dies. If more than one you leave no surviving Beneficiary, your estate may receive the death benefit proceeds. If the Beneficiary is nameda trustee, each can we will neither be classed as primary or contingentresponsible for verifying a trustee's right to receive any death benefit proceeds, nor for how the trustee disposes of any death benefit proceeds. If two before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or more persons are named is not in a classeffect, their shares in the then any death benefit proceeds can be stated. The stated shares in the proceeds payable will be paid to any primary Beneficiaries. If no primary Beneficiaries survivethe Contingent Beneficiary, payment will be made to any surviving contingent Beneficiaries. If You have if living; if not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner, or, if no Owner is alive, to the last surviving Owner's estate. CHANGE OF BENEFICIARY Adding or Changing Your Beneficiary - To change a You may add, change, or remove any Beneficiary, a Written Request for a change other than an irrevocable Beneficiary, subject to the terms of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Ownerany assignment, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the death of the Annuitant or Owner, by providing us with a request in a form satisfactory to us. However, if you have named an irrevocable Beneficiary, you may not add any new Beneficiary, or remove or change the irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to us. You may remove any non-irrevocable Beneficiary without obtaining the consent of the irrevocable Beneficiary. Qualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any change or addition will take effect only when we receive all necessary documents and record the change or addition. ANNUITY PROVISIONS Choice of Annuity Date - Unless otherwise changed as provided below, the Annuity Date is shown in the Contract Specifications. We assigned the Annuity Date based on the Contract Type chosen and the Annuitant's Age shown in the application for this Contract. If there are Joint Annuitants, the Annuity Date was based on the younger Annuitant's birthday. The Annuity Date may be changed by providing proper notice to us at least ten (10) Business Days prior to the current Annuity Date or new Annuity Date, in an amount equal whichever is earlier, subject to any applicable state law or greater the Code. The new Annuity Date may not be earlier than the Minimum Subsequent Premium amountfirst Contract Anniversary and must occur on or before the day the Annuitant reaches his or her 95th birthday, shown or earlier, as required by any applicable state law or the Code. If there are Joint Annuitants, the Annuity Date will be based on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more of the Subaccounts of the Variable Account or to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the applicationyounger Annuitant's birthday. You may change the allocation at any timebe subject to additional restrictions under your Qualified Plan. We will send confirmation of Your changes. Any subsequent Premium received will be allocated in accordance You should consult with the most recently received allocation instructionsyour Qualified Plan administrator before you elect an Annuity Date.

BENEFICIARY PROVISIONS. BENEFICIARY - Designation of Beneficiary — The Beneficiary is as stated on the applicationperson you name who may receive any death benefit proceeds, unless later changed by Your Written Requestor any remaining annuity payments after the Annuity Date, if the Annuitant or Owner dies. One or more Beneficiaries The Owner can be named in the application. If name more than one Beneficiary. Multiple Beneficiaries will share the death benefit proceeds (or any remaining annuity payments) equally, unless otherwise specified. If any Beneficiary predeceases the Annuitant or Owner, that Beneficiary’s interest will go to any other Beneficiaries named, according to their respective interests, unless otherwise specified. If you leave no surviving Beneficiary, your estate may receive the death benefit proceeds. If the Beneficiary is nameda trustee, each can we will neither be classed as primary or contingentresponsible for verifying a trustee’s right to receive any death benefit proceeds, nor for how the trustee disposes of any death benefit proceeds. If two before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or more persons are named is not in a classeffect, their shares in the then any death benefit proceeds can be stated. The stated shares in the proceeds payable will be paid to any primary Beneficiaries. If no primary Beneficiaries survivethe Contingent Beneficiary, payment will be made to any surviving contingent Beneficiaries. If You have if living; if not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner’s estate. Adding or Changing Your Beneficiary — You may add, orchange, if no Owner is aliveor remove any Beneficiary, other than an irrevocable Beneficiary, subject to the last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiaryterms of any assignment, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Date, in an amount equal to or greater than the Minimum Subsequent Premium amount, shown on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated to one or more death of the Subaccounts of Annuitant or Owner, by providing us with a request in a form satisfactory to us. However, if you have named an irrevocable Beneficiary, you may not add any new Beneficiary, or remove or change the Variable Account irrevocable Beneficiary, without obtaining his or her written consent in a form acceptable to the Guaranteed Account. Whole percentages must be used. The allocation of the Initial Premium is shown on the applicationus. You may change remove any non-irrevocable Beneficiary without obtaining the allocation at any timeconsent of the irrevocable Beneficiary. We will send confirmation of Your changesQualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any subsequent Premium change or addition will take effect only when the notice is signed, subject to our receipt. Any such change or addition will not impact any payment made or other action taken by us before the change or addition was received will be allocated in accordance with the most recently received allocation instructionsby us at our Service Center.

BENEFICIARY PROVISIONS. BENEFICIARY - Designation of Beneficiary — The Beneficiary is as stated on the applicationperson you name who may receive any death benefit proceeds, unless later changed by Your Written Requestor any remaining annuity payments after the Annuity Date, if the Annuitant or Owner dies. One or more Beneficiaries The Owner can be named in the application. If name more than one Beneficiary. Multiple Beneficiaries will share the death benefit proceeds (or any remaining annuity payments) equally, unless otherwise specified. If any Beneficiary predeceases the Annuitant or Owner, that Beneficiary’s interest will go to any other Beneficiaries named, according to their respective interests, unless otherwise specified. If you leave no surviving Beneficiary, your estate may receive the death benefit proceeds. If the Beneficiary is nameda trustee, each can we will neither be classed as primary or contingentresponsible for verifying a trustee’s right to receive any death benefit proceeds, nor for how the trustee disposes of any death benefit proceeds. If two before payment of any death benefit proceeds, we receive proper notice that the trust has been revoked or more persons are named is not in a classeffect, their shares in the then any death benefit proceeds can be stated. The stated shares in the proceeds payable will be paid to any primary Beneficiaries. If no primary Beneficiaries survivethe Contingent Beneficiary, payment will be made to any surviving contingent Beneficiaries. If You have if living; if not made other arrangements with Us, Beneficiaries who survive in the same class will share the proceeds equally. DEATH OF BENEFICIARY - If no named Beneficiary is living at the time a Death Benefit becomes payable, We will pay the Death Benefit to the Owner’s estate. Adding or Changing Your Beneficiary — You may add, orchange, if no Owner is aliveor remove any Beneficiary, subject to the last surviving Owner's estate. CHANGE OF BENEFICIARY - To change a Beneficiaryterms of any assignment, a Written Request for a change of Beneficiary must be received at Our Administrative Office. If the request is received at Our Administrative Office after the death of the Owner, it will be effective only if no payment has been made. After the change is recorded, it will take effect as of the date the request was signed. PREMIUM PROVISIONS PREMIUM - The Initial Premium is due on or before the Effective Date. Thereafter, Premium payments may be made at any time prior to the Annuity Datedeath of the Annuitant or Owner, by providing us with a request in an amount equal a form satisfactory to us. Qualified Contracts may have additional restrictions on naming and changing Beneficiaries. Any change or greater than the Minimum Subsequent Premium amount, shown addition will take effect on the Contract Schedule. ALLOCATION OF premium PAYMENTS - Premiums may be allocated date the notice of change is signed by the Owner, subject to one any payments made or more actions taken by us prior to our receipt of the Subaccounts of the Variable Account or to the Guaranteed Accountnotice. Whole percentages must be used. The allocation of the Initial Premium is shown on the application. You may change the allocation at any time. We will send confirmation of Your changes. Any subsequent Premium received will be allocated in accordance with the most recently received allocation instructions.ICC10:10-1185-L