Common use of RIGHT TO EXAMINE CONTRACT Clause in Contracts

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the Accumulated Value, after application of any Market Value Adjustment, plus any fees or other charges imposed. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment shown on the Specifications page. Additional Payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date Non-Participating Form A3036-01 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the sum of (1) gross payments, less any amounts allocated to the Variable Account, (2) the Accumulated Value, after application Value of any Market Value Adjustment, plus amounts allocated to the Variable Account on the date the returned contract is received at the Principal Office and (3) any fees or other charges imposedimposed on the amounts allocated to the Variable Account. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment initial payment shown on the Specifications page. Additional Payments payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments benefits beginning on the Annuity Date or to pay a Death Benefit death benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ --------------------- ---------------------- President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date NonFLEXIBLE PAYMENT DEFERRED VARIABLE AND FIXED ANNUITY NON-Participating Form A3036-01 1 BACS11 PARTICIPATING TABLE OF CONTENTS SPECIFICATIONS ............................................................. SPECIFICATIONS........................................................... 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS.............................................................. 5

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the sum of (1) gross payments, less any amounts allocated to the Variable Account, (2) the Accumulated Value, after application Value of any Market Value Adjustment, plus amounts allocated to the Variable Account on the date the returned contract is received at the Principal Office and (3) any fees or other charges imposedimposed on the amounts allocated to the Variable Account. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross payments. FIRST ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: DoverWorcester, Delaware Massachusetts Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between First Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment initial payment shown on the Specifications page. Additional Payments payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments benefits beginning on the Annuity Date or to pay a Death Benefit death benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date NonFLEXIBLE PAYMENT DEFERRED VARIABLE AND FIXED ANNUITY NON-Participating Form A3036-01 PARTICIPATING 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. SPECIFICATIONS........................................................... 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS.............................................................. 5

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the Accumulated Value, after application of any Market Value Adjustment, plus any fees or other charges imposed. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross paymentspayment. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment shown on the Specifications page. Additional Payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date Non-Participating Form A3036FORM A3035-01 00 1 BACS11 TABLE OF CONTENTS Table of Contents SPECIFICATIONS ............................................................. .................................................................................3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS.....................................................................................7

RIGHT TO EXAMINE CONTRACT. The Owner You may cancel return this contract by returning it to the Company or one of its authorized representatives within ten 90 days after receiptyou have received it. It can be mailed or delivered either to us or the representative who sold it. If returnedyou return the contract within 10 days after you have received it ("the Free Look Period"), the Company we will refund an the Single Purchase Payment less the total amount equal of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Accumulated Value, after application of any Market Contract Value Adjustment, plus any fees or other charges imposed. If, however, on the date the contract is issued as an Individual Retirement Annuity (IRA), returned to us plus any premium tax deducted on the Company will refund the greater of the above or gross paymentsIssue Date. FIRST ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Phone Number: ▇-▇▇▇-▇▇▇-▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) you and the Owner Company and is issued in consideration of the Initial Single Purchase Payment shown on the Specifications page. Additional Payments are permitted. Payments The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Single Payment Deferred Immediate Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Income Date Death Benefit Payable to Beneficiary if an Owner or an Annuitant Dies prior to Annuity Income Date NonThis contract does not participate in the profits or surplus of the Company FORM A3029-Participating Form A303699-01 1 BACS11 GRC TABLE OF CONTENTS SPECIFICATIONS ............................................................. 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. The Owner You may cancel return this contract within 90 days after you have received it (the "Free Look Period"). It can be mailed or delivered either to us or the representative who sold it. If you return the contract, we will pay to you the Contract Value on the date the contract is returned to us plus any premium tax deducted on the Issue Date. This amount may be more or less than the Single Purchase Payment. If the refund is not paid within thirty days from the date the contract is received by returning it to the Company or one of its authorized representatives within ten days after receipt. If returnedrepresentative, the Company amount will refund an amount equal to the Accumulated Value, after application of any Market Value Adjustment, plus any fees or other charges imposed. If, however, the contract is issued as an Individual Retirement Annuity be increased by ten percent (IRA10%), the Company will refund the greater of the above or gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Phone Number: ▇-▇▇▇-▇▇▇-▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) you and the Owner Company and is issued in consideration of the Initial Single Purchase Payment shown on the Specifications page. Additional Payments are permitted. Payments The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Single Payment Deferred Immediate Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Income Date Death Benefit Payable to Beneficiary if an Owner or an Annuitant Dies prior to Annuity Income Date Non-Participating Form A3036-01 1 BACS11 This contract does not participate in the profits or surplus of the Company FORM A3029.WA-99 TABLE OF CONTENTS SPECIFICATIONS ............................................................. 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the Accumulated Value, after application of any Market Value Adjustment, plus any fees or other charges imposed. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment shown on the Specifications page. Additional Payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date Non-Participating Form A3036-01 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 119

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the Accumulated Value, after application of any Market Value Adjustment, plus any fees or other charges imposed. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment shown on the Specifications page. Additional Payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date Non-Participating Form A3036A3033-01 00 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. SPECIFICATONS ........................................................3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS...........................................................7

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the sum of (1) gross payments, less any amounts allocated to the Variable Account, (2) the Accumulated Value, after application Value of any Market Value Adjustment, plus amounts allocated to the Variable Account on the date the returned contract is received at the Principal Office and (3) any fees or other charges imposedimposed on the amounts allocated to the Variable Account. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment initial payment shown on the Specifications page. Additional Payments payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments benefits beginning on the Annuity Date or to pay a Death Benefit death benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ /s/▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date Non-Participating Form A3036-01 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. SPECIFICATIONS...............................................3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS..................................................5

RIGHT TO EXAMINE CONTRACT. The Owner You may cancel return this contract by returning it to the Company or one of its authorized representatives within ten 90 days after receiptyou have received it. It can be mailed or delivered either to us or the representative who sold it. If returnedyou return the contract within 10 days after you have received it ("the Free Look Period"), the Company we will refund an the Single Purchase Payment less the total amount equal of all annuity payments made or withdrawals taken. If you return the contract after the expiration of the "Free Look Period" but within 90 days after the Issue Date, we will pay to you the Accumulated Value, after application of any Market Contract Value Adjustment, plus any fees or other charges imposed. If, however, on the date the contract is issued as an Individual Retirement Annuity (IRA), returned to us plus any premium tax deducted on the Company will refund the greater of the above or gross paymentsIssue Date. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ Phone Number: ▇-▇▇▇-▇▇▇-▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) you and the Owner Company and is issued in consideration of the Initial Single Purchase Payment shown on the Specifications page. Additional Payments are permitted. Payments The Net Payment may be allocated to the Fixed Income Option or the Variable Income Option or a combination of both. If you select the Variable Income Option, you can allocate the Net Payment among the Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments beginning on the Annuity Date or to pay a Death Benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Single Payment Deferred Immediate Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Income Date Death Benefit Payable to Beneficiary if an Owner or an Annuitant Dies prior to Annuity Income Date Non-Participating Form A3036-01 1 BACS11 This contract does not participate in the profits or surplus of the Company FORM A3029.FL-99 TABLE OF CONTENTS SPECIFICATIONS ............................................................. 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11SPECIFICATIONS............................................................... 3

RIGHT TO EXAMINE CONTRACT. The Owner may cancel this contract by returning it to the Company or one of its authorized representatives within ten days after receipt. If returned, the Company will refund an amount equal to the sum of (1) gross payments, less any amounts allocated to the Variable Account, (2) the Accumulated Value, after application Value of any Market Value Adjustment, plus amounts allocated to the Variable Account on the date the returned contract is received at the Principal Office and (3) any fees or other charges imposedimposed on the amounts allocated to the Variable Account. If, however, the contract is issued as an Individual Retirement Annuity (IRA), the Company will refund the greater of the above or the gross payments. ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Home Office: Dover, Delaware Principal Office: ▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇ This is a legal contract between Allmerica Financial Life Insurance and Annuity Company (the Company) and the Owner and is issued in consideration of the Initial Payment initial payment shown on the Specifications page. Additional Payments payments are permitted. Payments may be allocated to Variable Sub-Accounts, the Fixed Account or Guarantee Period Accounts. While this contract is in effect, the Company agrees to pay annuity benefit payments benefits beginning on the Annuity Date or to pay a Death Benefit death benefit to the Beneficiary if an Owner dies prior to the Annuity Date. /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ President Secretary Flexible Payment Deferred Variable and Fixed Annuity Annuity Benefit Payments Payable on the Annuity Date Death Benefit Payable to Beneficiary if Owner Dies prior to Annuity Date NonFLEXIBLE PAYMENT DEFERRED VARIABLE AND FIXED ANNUITY NON-Participating Form A3036-01 PARTICIPATING 1 BACS11 TABLE OF CONTENTS SPECIFICATIONS ............................................................. SPECIFICATIONS........................................................... 3 DEFINITIONS ................................................................ 9 OWNER, ANNUITANT AND BENEFICIARY ........................................... 11DEFINITIONS.............................................................. 5