Common use of Prior to the Annuity Commencement Date Clause in Contracts

Prior to the Annuity Commencement Date. The Owner may select a Death Benefit Option(s) to be effectiveas of the Contract Date. If no Death Benefit Option is selected, the Guarantee of Principal will be the Death Benefit effective as of the Contract Date. ANNUITY PAYMENT REQUIREMENTS: DETERMINATION OF THE FIRST ANNUITY PAYMENT DATE: For 100% Fixed Annuity Payment, the Annuity Payment Date must be atleast 30 days after the Annuity Commencement Date. If any portion of the annuity payment will be on a variable basis, the Annuity Payment Date will be 14 days after the Annuity Commencement value, Date. The Annuity Unit if applicable, and Contract Value used to effect annuity payments will Annuity be determined as of the Commencement Date. MINIMUM ANNUITY PAYMENT AMOUNT: $50 MINIMUM GUARANTEED INTEREST RATE FOR THE FIXED ANNUITY PAYMENT: 1.50% ASSUMED INVESTMENT RATE FOR THE VARIABLE ANNUITY PAYMENT: Between 3.0% - 5.0%

Prior to the Annuity Commencement Date. The Owner may select a Death Benefit Option(s) to be effectiveas of the Contract Date. If no Death Benefit Option is selected, the Guarantee of Principal will be the Death Benefit effective as of the Contract Date. ANNUITY PAYMENT REQUIREMENTS: DETERMINATION OF THE FIRST ANNUITY PAYMENT DATE: For 100% Fixed Annuity Payment, the Annuity Payment Date must be atleast at least 30 days after the Annuity Commencement Date. If any portion of the annuity payment will be on a variable basis, the Annuity Payment Date will be 14 days after the Annuity Commencement value, value Date. The Annuity Unit if applicable, and Contract Value used to effect annuity payments will Annuity be determined as of the Commencement Date. MINIMUM ANNUITY PAYMENT AMOUNT: $50 MINIMUM GUARANTEED INTEREST RATE FOR THE FIXED ANNUITY PAYMENT: 1.50% ASSUMED INVESTMENT RATE FOR THE VARIABLE ANNUITY PAYMENT: Between 3.0% - 5.0%