Common use of MISSTATEMENT OF AGE OR SEX Clause in Contracts

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per yearrequired by Your state, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per yearrequired by Your state, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We we discover a misstatement of Age, We we reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:.

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company We may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. AS-981 (5/06) SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company We may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company We may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS AS-981 (5/06) We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract Certificate issue Age and other Age driven features in the ContractCertificate, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract Certificate and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract Certificate depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment from the available Fixed Account Option(s) for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per yearrequired by your state, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per yearrequired by your state, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, should We we discover a misstatement of Age, We we reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios Subaccounts will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios Subaccounts will be paid in full with the next payment due. With respect to Contract issue Age and other Age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract Certificate depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:PAYMENTS

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment options, plus interest at the rate of [4% %] per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios will be paid in full with the next payment due. With respect to Contract issue Age and other Age age driven features in the Contract, ; should We we discover a misstatement of Age, We we reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age Age-driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios Subaccount(s) will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios Subaccount(s) will be paid in full with the next payment due. With respect to Contract issue Age and other Age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios Subaccounts if any of the following occur:

MISSTATEMENT OF AGE OR SEX. If the Age or sex of any Annuitant has been misstated, future annuity payments will be adjusted using the correct Age and sex, according to Our rates in effect on the date that annuity payments were determined. Any overpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be deducted from the next payment(s) due. Any underpayment from the fixed annuity payment optionsFixed Annuity Payment Options, plus interest at the rate of 4% per year, will be paid in full with the next payment due. Any overpayment from the Variable Portfolios Subaccounts will be deducted from the next payment(s) due. Any underpayment from the Variable Portfolios Subaccounts will be paid in full with the next payment due. With respect to Contract issue Age and other Age driven features in the Contract, should We discover a misstatement of Age, We reserve the right to fully pursue Our remedies including possible termination of the Contract and/or revocation of any Age driven benefits. PROOF OF AGE, SEX, OR SURVIVAL The Company may require satisfactory proof of correct Age or sex at any time. If any payment under this Contract depends on the Annuitant being alive, the Company may require satisfactory proof of survival. DEFERMENT OF PAYMENTS We may defer making payment payments from the available Fixed Account Option(s) Options for up to six (6) months. Interest, subject to state requirements, will be credited during the deferral period. SUSPENSION OF PAYMENTS We may suspend or postpone any payments from the Variable Portfolios Subaccounts if any of the following occur: