CONTRACT CAREFULLY Sample Clauses

CONTRACT CAREFULLY. This is a legal contract between the owner and CUNA Mutual Insurance Society, and hereafter will be referred to as the contract. This contract is issued to the owner in consideration of the application and the initial purchase payment. CUNA Mutual Insurance Society will pay the benefits of this contract, subject to its terms and conditions, which will never be less than the amount required by state law. THE DOLLAR AMOUNT OF ANY INCOME PAYMENTS AND OTHER VALUES PROVIDED BY THIS CONTRACT WILL INCREASE OR DECREASE BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS SELECTED. THE VARIABLE PROVISIONS ARE DESCRIBED IN SECTION 6. THIS CONTRACT MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT WHICH CAN RESULT IN EITHER AN UPWARD OR DOWNWARD ADJUSTMENT UPON SURRENDER OR PARTIAL WITHDRAWAL ON ANY FIXED ACCOUNT VALUE. SEE THE MARKET VALUE ADJUSTMENT SECTION OF THE FIXED ACCOUNT ENDORSEMENT, IF INCLUDED IN YOUR CONTRACT. Signed for CUNA Mutual Insurance Society, Waverly, Iowa, on the Contract Issue Date. /s/ Illegible ------------------------------- President RIGHT TO EXAMINE THIS CONTRACT. IF FOR ANY REASON YOU DECIDE NOT TO KEEP THIS CONTRACT, YOU MAY RETURN IT TO US WITHIN [10] DAYS AFTER YOU RECEIVE IT. IF THIS CONTRACT IS A REPLACEMENT FOR AN EXISTING CONTRACT, YOU MAY RETURN IT TO US WITHIN [30] DAYS AFTER YOU RECEIVE IT. YOU MAY RETURN IT TO EITHER OUR HOME OFFICE OR TO THE AGENT WHO SOLD IT TO YOU. WE WILL CONSIDER IT VOID FROM THE BEGINNING AND WILL PAY YOU A REFUND WITHIN 7 DAYS OF RECEIPT OF THE CONTRACT IN THE HOME OFFICE. WE WILL REFUND ANY NET PURCHASE PAYMENTS ADJUSTED TO REFLECT GAIN OR LOSS FROM THE DATE OF ALLOCATION TO THE DATE OF CANCELLATION; PLUS ANY APPLICABLE PREMIUM EXPENSE CHARGES WHICH HAVE BEEN DEDUCTED PRIOR TO ALLOCATION. IF THIS CONTRACT IS AN INDIVIDUAL RETIREMENT ANNUITY, DURING THE FIRST [10] DAYS OF YOUR RIGHT TO EXAMINE PERIOD, WE WILL, INSTEAD OF THE FOREGOING, REFUND ANY PURCHASE PAYMENTS RECEIVED BY US. Flexible Purchase Payments as Described Herein Income Payments Starting on the Payout Date Death Benefit Payable at Death Prior to the Payout Date Participating Countersignature by: Not Applicable Duly Licensed Resident Agent (if required by law) CONTRACT GUIDE AND INDEX Data Page Definitions........................................................ Section 1

CONTRACT CAREFULLY. The brokers and agents make no representation or recommendation as to the legal sufficiency, legal effect, or tax consequences of this document or transaction. CONSULT your attorney BEFORE signing.

CONTRACT CAREFULLY. This is a legal contract between you (the “Owner”) and Pacific Life & Annuity Company (hereinafter referred to as “we”, “us”, “our” and the “Company”). We agree to pay the benefits provided under this Contract, subject to its provisions. We have issued this Contract in consideration of the application and payment of the Initial Purchase Payment.

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment. ACCUMULATION VALUES AND ANNUITY PAYMENTS, WHEN BASED ON THE INVESTMENT RESULTS OF THE VARIABLE SUBACCOUNTS, ARE VARIABLE AND NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT. SEE THE ACCOUNTS: FIXED AND VARIABLE SECTION FOR VARIABLE ACCOUNT PROVISIONS. OPTIONAL RIDER CHARGES MAY REDUCE THE DEATH BENEFIT AMOUNT TO LESS THAN THE CONTRACT VALUE. SEE THE PAYMENTS TO BENEFICIARIES PROVISIONS. NOTICE OF YOUR RIGHT TO EXAMINE THIS CONTRACT FOR TEN DAYS. If for any reason You are not satisfied with this contract, You may cancel this contract by returning it to Us or Our agent within ten Days after You receive it. - If this is not an ▇▇▇ contract, upon such cancellation We will refund an amount equal to the sum of: (1) the Contract Value at the end of the Valuation Period during which We receive the contract; and (2) any premium tax charges paid. - If this is an ▇▇▇ contract, upon such cancellation We will refund all purchase payments which You have paid. This contract will then be considered void from its start. Signed for and issued by RiverSource Life Insurance Company of Minneapolis, Minnesota, as of the Contract Date. /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ Secretary President - Flexible Purchase Payments -- Subject to Limitations - Optional Fixed Dollar or Variable Accumulation Values and Annuity Payments - Annuity Payments Begin on the Annuitization Start Date - This Contract is Nonparticipating -- Dividends Are Not Payable 411276 (8/2009) GUIDE TO CONTRACT PROVISIONS

CONTRACT CAREFULLY. If You are living on the Annuitization Start Date, We will begin to pay You monthly payments, subject to other provisions of this contract. This date may be changed as provided in this contract. We issue this contract in consideration of the payment of the initial purchase payment.

CONTRACT CAREFULLY. This is a legal contract between you and Union Central.

CONTRACT CAREFULLY. This is a legal contract between the Owner and LNL. We want to be sure you understand the features and benefits contained in this Contract. IT IS THEREFORE IMPORTANT THAT YOU READ YOUR CONTRACT CAREFULLY. If you have any questions after reading the Contract, we hope you will contact your representative or the Home Office of LNL.

CONTRACT CAREFULLY. RIGHT TO EXAMINE THE CONTRACT: [If for any reason you are not satisfied with this Contract, you may return it within 10 days from the date you received it to Safeco Life or to the registered representative who sold you this Contract. When we receive this Contract, we will refund your Contract Value. This may be more or less than your Purchase Payments.] Signed for Safeco Life Insurance Company by: /s/ ▇.▇. ▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ ▇.▇. ▇▇▇▇ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ ▇▇. Vice President and Secretary President INDIVIDUAL FLEXIBLE PREMIUM DEFERRED VARIABLE ANNUITY NON-PARTICIPATING THIS IS A VARIABLE ANNUITY CONTRACT. WHEN YOUR CONTRACT VALUE AND ANNUITY PAYMENTS ARE BASED ON THE INVESTMENT EXPERIENCE OF THE PORTFOLIOS, THE DOLLAR AMOUNTS ARE NOT GUARANTEED AND WILL INCREASE OR DECREASE. ALL VALUES AND PAYMENTS BASED ON THE GUARANTEED INTEREST PERIOD FIXED ACCOUNT OPTION, WHEN TAKEN BEFORE THE END OF A GUARANTEED PERIOD, MAY BE SUBJECT TO A MARKET VALUE ADJUSTMENT. THE MARKET VALUE ADJUSTMENT MAY CAUSE SUCH VALUES AND PAYMENTS TO INCREASE OR DECREASE. SEE "PURCHASE PAYMENT PROVISIONS", "INVESTMENT OPTIONS", AND "ANNUITY PAYMENT PROVISIONS" FOR DETAILS. Safeco(R) and the Safeco logo are trademarks of Safeco Corporation. PRODUCT: SPINNAKER(R) ADVISOR VARIABLE ANNUITY - [NON-QUALIFIED ANNUITY] OWNER: [▇▇▇▇ ▇▇▇] Address: [▇▇▇▇ ▇▇▇▇ ▇▇.] [▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇-9999] Date of Birth: [1/01/1969] Age: [35] Sex: [Male] ANNUITANT: [▇▇▇▇ ▇▇▇] Address: [▇▇▇▇ ▇▇▇▇ ▇▇.] [Any City, ST 99999-9999] Date of Birth: [1/01/1969] Age: [35] Sex: [Male] JOINT OWNER: [▇▇▇▇ ▇▇▇] Address: [▇▇▇▇ ▇▇▇▇ ▇▇.] [Any City, ST 99999-9999] Date of Birth: [2/01/1969] Age: [35] Sex: [Female] JOINT ANNUITANT: [▇▇▇▇ ▇▇▇] Address: [▇▇▇▇ ▇▇▇▇ ▇▇.] [▇▇▇ ▇▇▇▇, ▇▇ ▇▇▇▇▇-9999] Date of Birth: [2/01/1969] Age: [35] Sex: [Female] CONTRACT NUMBER: [LP12345678] CONTRACT DATE: [5/01/2004] INITIAL PURCHASE PAYMENT: [$50,000] DELIVERED IN THE STATE OF [ANY STATE] AND GOVERNED BY ITS LAWS. MAXIMUM ISSUE AGE: [85]. The contract date must be prior to the Owner's and Annuitant's (including any Joint Owner's and Joint Annuitant's) [86th] birthday. MAXIMUM ANNUITIZATION AGE: [90]. Annuity payments must begin prior to the Annuitant's (including any Joint Annuitant's) [91st] birthday. MINIMUM INITIAL PURCHASE PAYMENT: [$10,000] MINIMUM SUBSEQUENT PURCHASE PAYMENT: [$30] MINIMUM ALLOCATIONS TO THE FIXED ACCOUNT OPTIONS: Dollar Cost Averaging Fixed Account Option - $5,000. Enhanced Fixed Account Option - No minimum. Guaranteed Inter...

CONTRACT CAREFULLY. If You have any questions after reading the Contract, We hope You will contact Your financial professional or Our Servicing Office.