Common use of The Entire Contract Clause in Contracts

The Entire Contract. The entire contract consists of this policy, the Policy Data page, endorsements, and riders, if any and the application signed by You, a copy of which is attached hereto. No insertion in or other alteration of any written application can be made by any person other than the Owner without his or her written consent except that insertions may be made by the Company for administrative purposes only in such manner as to clearly indicate that the insertions are not to be ascribed to the Owner. All statements in the application made by or under the authority of the applicant are representations and not warranties. Nothing is incorporated by reference, unless a copy is endorsed upon or attached to the Policy. Nothing in the policy or any attached endorsements or riders thereto invalidates or impairs any right granted to the Owner by New York law or this policy. No change in this policy is valid unless made in writing by us and approved by one of our officers. No Registered Representative has .authority to change or waive any provision of Your policy. This policy is intended to qualify as an annuity contract for federal income tax purposes. The provisions of this policy are to be interpreted to maintain such qualification, notwithstanding any other provisions to the contrary. To maintain such tax qualification, we reserve the right to amend this policy to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification or to conform this policy to any applicable changes in the tax qualification requirements. Any such amendment will be filed with and approved by the New York Department of Insurance prior to use. We will send You a copy in the event of any such amendment If You refuse such an amendment it must be by giving us written notice, and Your refusal may result in adverse tax consequences. This policy will not share in our surplus earnings. If the age or sex of the Annuitant has been misstated, the benefits will be those, which the premiums paid, would have purchased for the correct age and sex. If required by law to ignore differences in the sex of the Annuitant, the annuity payments will be determined using the unisex factors. Any underpayment made by us will be paid with the next payment Any overpayment made by us will be deducted from future payments. Any underpayment or overpayment will include interest at 5% per year, from the date of the wrong payment to the date of the adjustment. This policy shall be incontestable from the Policy Data. We have the right to require reasonable evidence that a person is alive if a payment is based on that person being alive. No payment will be made until we receive the evidence. Any payment by us under this policy is payable at our Home Office.

The Entire Contract. The entire contract consists of this policy, the Policy Data page, endorsements, and riders, if any any, and the application signed by You, a copy of which is attached hereto. No insertion in or other alteration of any written application can be made by any person other than the Owner You without his or her Your written consent consent, except that insertions may be made by the Company Us for administrative purposes only in such manner as to indicate clearly indicate that the insertions are not to be ascribed to the OwnerYou. All statements in the application made by or under the authority of the applicant are representations and not warranties. Nothing is incorporated by reference, unless a copy is endorsed upon or attached to the Policypolicy. Nothing in the policy or any attached endorsements or riders thereto invalidates or impairs any right granted to the Owner by New York law or this policylaw. MODIFICATION OF POLICY No change in this policy is valid unless made in writing by us and approved by one of our officers. No Registered Representative has .authority authority to change or waive any provision of Your policy. TAX QUALIFICATION This policy is intended to qualify as an annuity contract for federal income tax purposes. The provisions of this policy are to be interpreted to maintain such qualification, notwithstanding any other provisions to the contrary. To maintain such tax qualification, we reserve the right to amend this policy to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification or to conform this policy to any applicable changes in the tax qualification requirements. Any such amendment will be filed with and approved by the New York Department of Insurance prior to use. We will send You a copy in the event of any such amendment amendment. If You refuse such an amendment it must be by giving us written notice, and Your refusal may result in adverse tax consequences. This policy will not share in our surplus earnings. AGE OR SEX CORRECTIONS If the age or sex of the Annuitant has been misstated, the benefits will be those, which the premiums paid, would have purchased for the correct age and sex. If required by law to ignore differences in the sex of the Annuitant, the annuity payments will be determined using the unisex factorsfactors in Section 10. Any underpayment made by us will be paid with the next payment payment. Any overpayment made by us will be deducted from future payments. Any underpayment or overpayment overpayment, will include interest at 5% per year, from the date of the wrong payment to the date of the adjustment. This policy shall be incontestable from the Policy DataDate. EVIDENCE OF SURVIVAL We have the right to require reasonable satisfactory evidence that a person is was alive if a payment is based on that person being alive. No payment will be made until we receive the evidence. SETTLEMENT Any payment by us under this policy is payable at our Home Office.. RIGHTS OF OWNER The owner may, while the Annuitant is living:

The Entire Contract. The entire contract consists of this policycontract, the Policy Contract Data page, endorsements, and riders, if any and the application signed by Youyou, a copy of which is attached hereto. No insertion in or other alteration of any written application can be made by any person other than the Owner owner without his or her written consent consent, except that insertions may be made by the Company for administrative purposes only in such manner as to clearly indicate that the insertions are not to be ascribed to the Ownerowner. All statements in the application made by or under the authority of the applicant are representations and not warranties. Nothing is incorporated by reference, unless a copy is endorsed upon or attached to the Policycontract. Nothing in the policy contract or any attached endorsements or riders thereto invalidates or impairs any right granted to the Owner owner by New York law or this policycontract. No change in this policy contract is valid unless made in writing by us and approved by one of our officers. No Registered Representative has .authority authority to change or waive any provision of Your policycontract. TAX QUALIFICATION This policy contract is intended to qualify as an annuity contract for federal income tax purposes. The provisions of this policy contract are to be interpreted to maintain such qualification, notwithstanding any other provisions to the contrary. To maintain such tax qualification, we reserve the right to amend this policy contract to reflect any clarifications that may be needed or are appropriate to maintain such tax qualification or to conform this policy contract to any applicable changes in the tax qualification requirements. Any such amendment will be filed with and approved by the New York Department of Insurance prior to use. We will send You a copy in the event of any such amendment amendment. If You refuse such an amendment it must be by giving us written notice, and Your refusal may result in adverse tax consequences. NON-PARTICIPATING This policy contract will not share in our surplus earnings. AGE OR SEX CORRECTIONS If the age or sex of the Annuitant has been misstated, the benefits will be those, which the premiums paid, would have purchased for the correct age and sex. If required by law to ignore differences in the sex of the Annuitant, the annuity payments will be determined using the unisex factorsfactors in Section 10. Any underpayment made by us will be paid with the next payment payment. Any overpayment made by us will be deducted from future payments. Any underpayment or overpayment overpayment, will include interest at 5% per year, from the date of the wrong payment to the date of the adjustment. This policy contract shall be incontestable from the Policy DataContract Date. EVIDENCE OF SURVIVAL We have the right to require reasonable satisfactory evidence that a person is was alive if a payment is based on that person being alive. No payment will be made until we receive the evidence. SETTLEMENT Any payment by us under this policy contract is payable at by our Home Office.