Common use of POLICY CHARGES Clause in Contracts

POLICY CHARGES. Monthly Deduction – The Monthly Deduction provides coverage for the Policy month following the Monthly Payment Date and is deducted from the Accumulated Value on each such date before the Monthly Deduction End Date. It is equal to the sum of all of the following items: • The Cost of Insurance Charge • The Administrative Charge • The Coverage Charge • The Indexed Fixed Account Option Charge • Rider or benefit charges, if any The maximum for each such charge is described below or in the rider or benefit forms. We may charge less than such maximum charge. Any lesser charge will apply uniformly to all members of the same Class. The Cost of Insurance Charge and the Coverage Charge can be adjusted by us in our sole and exclusive discretion and such adjustment can be based on our experience factors such as investment earnings, mortality, persistency, taxes, and expenses, but will not exceed the maximums as shown in the Policy Specifications. We may profit from such charges, and may use those profits for any lawful purpose, such as the payment of distribution and administrative expenses. The Monthly Deduction is deducted from the Policy’s Investment Options. Unless you provide otherwise, the Monthly Deduction will be processed as an Account Deduction. There are no Monthly Deductions on and after the Monthly Deduction End Date, which is shown in the Policy Specifications.

POLICY CHARGES. Monthly Deduction – — The Monthly Deduction provides coverage for the Policy policy month following the Monthly Payment Date and is deducted from the Accumulated Value on each such date before the Monthly Deduction End Date. It is equal to the sum of all of the following items: • The Cost of Insurance Charge • The Administrative Charge • The Coverage Charge • The Indexed Fixed Account Option Asset Charge • Rider or benefit charges, if any The maximum for each such charge is described below or in the rider or benefit forms. We may charge less than such maximum charge. Any lesser charge will apply uniformly to all members of the same Class. The Cost of Insurance Charge and the Coverage Charge can be adjusted by us in our sole and exclusive discretion and such adjustment can be based on our experience factors such as investment earnings, mortality, persistency, taxes, and expenses, but will not exceed the maximums as shown in the Policy Specifications. We may profit from such charges, and may use those profits for any lawful purpose, such as the payment of distribution and administrative expenses. The Monthly Deduction is deducted from the Policypolicy’s Investment Options. Unless you provide otherwise, any such deduction is taken proportionately from the Monthly Deduction will be processed as an Account DeductionFixed Accumulated Value and Variable Accumulated Value. There are no Monthly Deductions on and after the Monthly Deduction End Date, which is shown in the Policy Specifications.. Cost of Insurance Charge — The Cost of Insurance Charge is equal to (1) multiplied by (2), where:

POLICY CHARGES. Monthly Deduction – The Monthly Deduction provides coverage for the Policy month following the Monthly Payment Date and is deducted from the Accumulated Value on each such date before the Monthly Deduction End Date. It is equal to the sum of all of the following items: • The Cost of Insurance Charge • The Administrative Charge • The Coverage Charge • The Indexed Fixed Account Option Charge • Rider or benefit charges, if any The maximum for each such charge is described below or in the rider or benefit forms. We may charge less than such maximum charge. Any lesser charge will apply uniformly to all members of the same Class. The Cost of Insurance Charge and the Coverage Charge can be adjusted by us in our sole and exclusive discretion and such adjustment can be based on our experience factors such as investment earnings, mortality, persistency, taxes, and expenses, but will not exceed the maximums as shown in the Policy Specifications. We may profit from such charges, and may use those profits for any lawful purpose, such as the payment of distribution and administrative expenses. The Monthly Deduction is deducted from the Policy’s Investment Options. Unless you provide otherwise, the Monthly Deduction will be processed as an Account Deduction. There are no Monthly Deductions on and after the Monthly Deduction End Date, which is shown in the Policy Specifications.

POLICY CHARGES. Monthly Deduction – The Monthly Deduction provides coverage for the Policy month following the Monthly Payment Date and is deducted from the Accumulated Value on each such date before the Monthly Deduction End Date. It is equal to the sum of all of the following items: • The Cost of Insurance Charge Charge; • The Administrative Charge Charge; • The Coverage Charge Charge; • The Indexed Fixed Account Option Charge Charge; and • Rider or benefit charges, if any any. The maximum for each such charge is described below or in the rider or benefit forms. We may charge less than such maximum charge. Any lesser charge will apply uniformly to all members of the same Class. The charges, including the Cost of Insurance Charge and the Coverage Charge Charge, can be adjusted by us in our sole and exclusive discretion and such adjustment can be based on our experience factors such as investment earnings, mortality, persistency, taxes, and expenses, but will not exceed the maximums as shown in the Policy Specifications. We may profit from such charges, and may use those profits for any lawful purpose, such as the payment of distribution and administrative expenses. The Monthly Deduction is deducted from the Policy’s Investment Options. Unless you provide otherwise, the Monthly Deduction will be processed as an Account Deduction. There are no Monthly Deductions on and after the Monthly Deduction End Date, which is shown in the Policy Specifications.