RIGHT TO RETURN THIS CONTRACT Sample Clauses

RIGHT TO RETURN THIS CONTRACT. THIS CONTRACT MAY BE RETURNED WITHIN 10 DAYS (20 DAYS FOR REPLACEMENTS) AFTER YOU RECEIVE IT FOR A REFUND OF THE SINGLE PREMIUM, LESS ANY WITHDRAWALS MADE UNDER THIS CONTRACT AS OF THE DATE OF CANCELLATION. THIS CONTRACT WILL BE VOID FROM ITS BEGINNING. YOU MAY RETURN THE CONTRACT BY DELIVERING OR MAILING IT TO US AT THE ADDRESS BELOW OR BY RETURNING IT TO THE AGENT OR AGENCY OFFICE THROUGH WHICH IT WAS DELIVERED. PHL VARIABLE INSURANCE COMPANY [Annuity Operations Division PO Box 8027 Boston, MA 02266-8027 Telephone (▇▇▇) ▇▇▇-▇▇▇▇] Signed for PHL Variable Insurance Company at ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇.

RIGHT TO RETURN THIS CONTRACT. This contract may be returned within 10 days ([30] days for replacements) after you receive it for a refund of the Cumulative Premium, less any withdrawals made under this contract as of the date of cancellation. This contract will be void from its beginning. You may return the contract by delivering or mailing it to us at the address below. The Accumulation Value will depend on amounts credited to the Fixed Account and the Indexed Accounts. The Accumulation Value may increase based on the interest credited to the Fixed Account and Index Credits applied to the Indexed Account(s) you selected. While Account Values for each Indexed Account are affected by the value of an outside index, the contract does not directly participate in any stock, bond or index. Withdrawals or surrenders may be subject to a Market Value Adjustment, which may increase or decrease the amount withdrawn or surrendered. Withdrawals or surrenders may be subject to Surrender Charges and taxes.

RIGHT TO RETURN THIS CONTRACT. This contract may be returned within 10 days ([30] days for replacements) after you receive it for a refund of the Cumulative Premium, less any withdrawals made under this contract as of the date of cancellation. This contract will be void from its beginning. You may return the contract by delivering or mailing it to us at the address below or by returning it to the agent or agency office through which it was delivered. The Accumulation Value will depend on amounts credited to the Fixed Account and the Indexed Accounts. The Accumulation Value may increase based on the interest credited to the Fixed Account and Index Credits applied to the Indexed Account(s) you selected. While Account Values for each Indexed Account are affected by the value of an outside index, the contract does not directly participate in any stock, bond or index. Withdrawals or surrenders may be subject to a Market Value Adjustment, which may increase or decrease the amount withdrawn or surrendered. Withdrawals or surrenders may be subject to Surrender Charges and taxes.

RIGHT TO RETURN THIS CONTRACT. This contract may be returned to us with a written request for cancellation within 10 days (60 days for replacements) after you receive it for a refund of the premium payment, less any withdrawals made under this contract as of the date of cancellation. This contract will be void from its beginning. You may return the contract by delivering or mailing it to us at the address below. hassau Cervice Center: PO Box 758573, Topeka, KS 66675-8573 Home Office: ▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇ ▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇ Telephone: ▇-▇▇▇-▇▇▇-▇▇▇▇ SAMPLE Signed for Nassau Life Insurance Company at ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇. Single Premium Deferred Annuity with Market Value Adjustment Funded from the Company s General Account Nonparticipating - not eligible for dividends Withdrawals or surrenders may be subject to a Market Value Adjustment, which may increase or decrease the amount withdrawn or surrendered. No Surrender Charge or Market Value Adjustment is applied to amounts taken during the Window Period. Any paid- up annuity, cash surrender benefits, or death benefits provided under this contract will not be less than the minimum benefits required under New York Insurance Law. 17IMGA 1 NY SAMPLE

RIGHT TO RETURN THIS CONTRACT. It is important to Us that You are satisfied with Your contract and that it meets Your financial goals. If for any reason You are not satisfied with this contract, You may return it within 10 days after We deliver it to You for a refund of the Contract Value plus any charges made under this contract as of the date of cancellation. You may return it to either the agent through whom it was purchased or to Us at the following address: PHL Variable Insurance Company Annuity Operations Division P.O. Box 8027 Boston, MA 02266-8027 Telephone (▇▇▇) ▇▇▇-▇▇▇▇ This contract provides for a series of annuity payments. The annuity payments will be based on the Contract Value on the Maturity Date and the annuity payment option rates stated herein. In addition, for Variable Payment Options, the amount of annuity payments will vary with the investment experience of the Subaccounts within the Separate Account during the annuity payout period. The Contract Value will depend on the rate of interest credited to the Guaranteed Interest Account and the investment experience of the Subaccounts. Signed for PHL Variable Insurance Company at its Home Office, Hartford, Connecticut. PHL VARIABLE INSURANCE COMPANY /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇ ---------------------------------------------------- ----------------------------------------------------- Registrar Chairperson of the Board and Chief Executive Officer FLEXIBLE PREMIUM VARIABLE ACCUMULATION DEFERRED ANNUITY ALL VALUES AND BENEFITS BASED ON THE INVESTMENT EXPERIENCE OF THE SUBACCOUNTS OF THE SEPARATE ACCOUNT MAY INCREASE OR DECREASE AND ARE VARIABLE AND NOT GUARANTEED AS TO DOLLAR AMOUNT. SEE PART 7 FOR A DESCRIPTION OF HOW THE CONTRACT VALUES ARE DETERMINED, PART 9 FOR A DESCRIPTION OF HOW THE DEATH BENEFITS ARE DETERMINED, AND PART 10 FOR A DESCRIPTION OF HOW ANNUITY PAYMENTS ARE DETERMINED. NONPARTICIPATING

RIGHT TO RETURN THIS CONTRACT. This contract may be returned within 10 days (60 days for replacements) after you receive it for a refund of the Net Contract Value plus any charges deducted under this contract as of the date of cancellation. You may return the contract by delivering or mailing it to us at the address below or by returning it to the agent or agency office through which it was delivered. Phoenix Life Insurance Company Annuity Operations Division, PO Box 8027, Boston, MA 02266-8027 Telephone (▇▇▇) ▇▇▇-▇▇▇▇ Signed for Phoenix Life Insurance Company at ▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇. [/s/▇▇▇▇ ▇▇▇▇▇] [/s/▇▇▇▇ ▇▇▇▇▇] Chairman, President and Chief Executive Officer Secretary When Death Benefit Option [1] is chosen: if the annual rate of return on the assets of the separate account is at least [1.65%] then the dollar amount of the variable annuity payments will not decrease. Daily Mortality and Expense Risk Fee: Death Benefit Option [1]: [0.001979%] (Based on an annual rate of [0.725%]) Daily Administrative Fee: 0.000342% (Based on an annual rate of 0.125%) [This contract contains an optional bonus, called a Premium Enhancement. This optional feature will incur a higher Mortality and Expense Fee than the product without the bonus. The fee for the product with the optional bonus will be [0.80%] higher for all years. Please note the surrender charge and surrender schedule are identical for the product with or without the bonus.] READ YOUR CONTRACT CAREFULLY It is a legal contract between the Owner and Phoenix Life Insurance Company.

RIGHT TO RETURN THIS CONTRACT. This contr act may be return ed within 10 days (30 days for replacements) after you receive it fo r a refund of the Cumulative Premium, less any withdrawals made under this co ntract as of th e date o f cancellation. This contract will be v oid from its beginning. You may return the contract by delivering or mailing it to us a t the address below or by returning it to the agent or agency office through which it was delivered. The Accumulation Value will depend on amounts credited to the Fixed Account and the Indexed Accounts. The Acc umulation Value may increase based on the inter est credited to the Fixe d Account and Index Credits applied to the Indexed Account(s) you selected. While Account Values for each Indexed Account are a ffected by the value of an o utside index, the con tract does not directly participate in an y stock, bond or index. Withdra wals or surren ders may be subject to a Market Value Adjustment, which may increase or decrease the amount withdrawn or surrendered. Withdrawals or surrenders may be subject to Surrender Charges and taxes.

RIGHT TO RETURN THIS CONTRACT. This contract may be returned within 10 days (20 days for replacements) after you receive it for a refund of the Net Contract Value plus any charges deducted under this contract as of the date of cancellation. You may return the contract by delivering or mailing it to us at the address below or by returning it to the agent or agency office through which it was delivered. PHL Variable Insurance Company [Annuity Operations Division PO Box 8027 Boston, MA 02266-8027 Telephone (▇▇▇) ▇▇▇-▇▇▇▇] Signed for PHL Variable Insurance Company at [▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇ ▇▇▇▇▇]. [/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇] [/s/ ▇▇▇▇ ▇. ▇▇▇▇▇] --------------------------------- ------------------------- [President] [Secretary] READ YOUR CONTRACT CAREFULLY It is a legal contract between the Owner and PHL Variable Insurance Company. All values and benefits based on the investment experience of the Investment Options may increase or decrease and are variable and not guaranteed as to dollar amount. Flexible Premium Deferred Variable Annuity Nonparticipating - not eligible for dividends 08VA TABLE OF CONTENTS Section Provision ------- --------------------------------------- 1. Schedule Pages

RIGHT TO RETURN THIS CONTRACT. If you are not satisfied with this contract for any reason, you may cancel this contract by returning it to us or the agent who sold you this contract within 20 days from the date you receive it. If this contract replaced another contract, you have 30 days from the date you receive this contract to return it. If you return this contract within the specified time, we will refund an amount equal to your adjusted daily contract value (unless applicable state law requires the refund amount to be the premium, in which case we will refund an amount equal to your premium) and cancel this contract. The contract will then be considered void as if it had never been issued. DEFINITIONS