rila280contract






  RILA280            Jackson National Life Insurance Company®    Thank you for choosing Jackson National Life Insurance Company, also referred to as "the  Company" or "Jackson®."    READ YOUR CONTRACT CAREFULLY.    This annuity contract is issued by the Company and is a legal agreement between the Owner  ("You") and Jackson.    PLEASE NOTE THAT THIS CONTRACT HAS REFERENCES TO AND UTILIZATION OF  EXTERNAL INDEXES. WHILE THE CONTRACT VALUES MAY BE AFFECTED BY THE  EXTERNAL INDEXES, THE CONTRACT DOES NOT DIRECTLY PARTICIPATE IN ANY  STOCK OR EQUITY INVESTMENTS. AN INDEX ADJUSTMENT TO THE INDEX ACCOUNT  IS NOT GUARANTEED AND MAY VARY BASED UPON THE PERFORMANCE OF THE  INDEXES.    THE WITHDRAWAL VALUE AVAILABLE UNDER THIS CONTRACT IS EQUAL TO THE  CONTRACT VALUE LESS ANY APPLICABLE WITHDRAWAL CHARGE.    NOTICE OF RIGHT TO EXAMINE CONTRACT  YOU MAY RETURN THIS CONTRACT TO THE FINANCIAL PROFESSIONAL WHO SOLD  YOU THE CONTRACT OR THE COMPANY WITHIN [10] DAYS AFTER YOU RECEIVE IT  ([30] DAYS AFTER YOU RECEIVE IT IF IT WAS PURCHASED AS A REPLACEMENT  CONTRACT). THE COMPANY WILL REFUND THE PREMIUM PAID TO THE FIXED  ACCOUNT, LESS THE AMOUNT OF ANY PARTIAL WITHDRAWALS FROM THE FIXED  ACCOUNT, PLUS THE INDEX ACCOUNT VALUE WITHOUT DEDUCTION FOR ANY FEES  AND CHARGES. RETURNED CONTRACTS ARE VOID.    The Telephone Number for the [Issue State] Department of Insurance is [Insurance Department  telephone number].  INDIVIDUAL SINGLE PREMIUM DEFERRED  REGISTERED INDEX-LINKED ANNUITY.  DEATH BENEFIT AVAILABLE.  INCOME OPTION AVAILABLE.  NON-PARTICIPATING.  CONTAINS PROVISIONS WAIVING  WITHDRAWAL CHARGES.    [Home Office: [Service Center:  1 Corporate Way P.O. Box 24068  Lansing, Michigan 48951 Lansing, MI 48909-4068    1-800-644-4565] www.jackson.com]  This Contract is signed by the Company President  Secretary 





 






  RILA280 2  TABLE OF CONTENTS     Provision Page Number    Contract Data Pages [3a    Definitions  4    General Provisions 8    Contract Option Provisions 12    Withdrawal Provisions 14    Death Benefit Provisions 20    Income Provisions 23    Termination Provisions 26]    If You have questions about this Contract or require information about coverage or complaint  resolutions, You may contact the Company's Service Center identified on the Contract's cover  page.    





 






  RILA280-CB1 3a  CONTRACT DATA PAGES    Contract Number: [1234567890]     Owner: [John Doe]     Owner Issue Age: [45]     Joint Owner: [No Joint Owner]     Joint Owner Issue Age: [N/A]     Annuitant: [John Doe]     Annuitant Issue Age: [45]     Joint Annuitant: [No Joint Annuitant]     Joint Annuitant Issue Age: [N/A]     Issue Date: [January 15, 2021]     Issue State: [MI]     Premium Amount: [$25,000]     Income Date: [January 15, 2071]     Primary Beneficiary(ies): [Brian Doe]     Contingent Beneficiary(ies): [Jane Doe]                                  





 






  RILA280-CB1 3b  CONTRACT DATA PAGES (CONT'D)    FIXED ACCOUNT INFORMATION:    Fixed Account Minimum Interest Rate (FAMIR): [1.00%]    Fixed Account Minimum Value Percentage: [87.50%]    Fixed Account Minimum Value Annual Expense Allowance: [$50]    INTEREST RATE FOR ADJUSTMENTS DUE TO MISSTATEMENT OF AGE OR SEX: [1.00%]    WITHDRAWALS:    Withdrawal Charge Schedule:     Contract  Year  Withdrawal Charge  Percentage  [1 8.00%  2 8.00%  3 7.00%  4 6.00%  5 5.00%  6 4.00%  7+ 0.00%]       Please see Withdrawal Provisions for complete explanation of the determination of Withdrawal  Charges.     Minimum partial withdrawal amount unless as a scheduled part of an automatic  withdrawal program: [$500]    Minimum partial withdrawal amount as a scheduled part of an automatic withdrawal  program: [$50]    Minimum Contract Value remaining after a partial withdrawal: [$2,000]    Free Withdrawal Percentage: [10%]     





 






  RILA280-CB1 3c  CONTRACT DATA PAGES (CONT'D)    Waiver of Withdrawal Charge Due to Terminal Illness Eligibility Date: [October 1, 2021]    Waiver of Withdrawal Charge Due to Terminal Illness Maximum Amount: [100%] of the  Contract Value, not to exceed [$250,000]    Waiver of Withdrawal Charge for Extended Care Eligibility Date: [October 1, 2021]    Waiver of Withdrawal Charge for Extended Care Maximum Amount: [100%] of the Contract  Value, not to exceed [$250,000]    PREMIUM:    Premium is money paid into this Contract for allocation into a Contract Option. This is a single  Premium Contract. The Company may waive minimum and maximum Premium at any time, on  a nondiscriminatory basis.     Minimum Premium: [$25,000]    Maximum Premium: [$1,000,000]    SEPARATE ACCOUNT:    [RILA Separate Account]  





 






  RILA280-CB1 3d  CONTRACT DATA PAGES (CONT'D)    TABLE OF INCOME OPTIONS    The following table shows income values for each $1,000 of net proceeds applied to the Income  Option.    UNDER OPTION 4 MONTHLY INSTALLMENTS UNDER OPTIONS 1 OR 3      No. of  Monthly  Install- ments      Monthly  Install- ments      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain      Age of  Annui- tant      No. of Mos.  Certain  Male Life 120 240 Male Life 120 240 Female Life 120 240 Female Life 120 240  60 17.09 40 2.33 2.32 2.31 68 4.72 4.57 4.02 40 2.22 2.22 2.21 68 4.36 4.26 3.86  72 14.31 41 2.37 2.36 2.35 69 4.90 4.72 4.09 41 2.26 2.26 2.25 69 4.52 4.40 3.94  84 12.33 42 2.41 2.41 2.39 70 5.09 4.89 4.16 42 2.30 2.30 2.29 70 4.69 4.55 4.02  96 10.84 43 2.45 2.45 2.43 71 5.31 5.06 4.23 43 2.34 2.34 2.32 71 4.87 4.70 4.09  108 9.68 44 2.50 2.50 2.47 72 5.54 5.24 4.29 44 2.38 2.38 2.36 72 5.06 4.87 4.16  120 8.76 45 2.55 2.54 2.52 73 5.79 5.43 4.34 45 2.42 2.42 2.40 73 5.28 5.04 4.22  132 8.00 46 2.60 2.59 2.56 74 6.06 5.63 4.39 46 2.47 2.47 2.45 74 5.51 5.23 4.28  144 7.37 47 2.65 2.64 2.61 75 6.35 5.83 4.43 47 2.52 2.51 2.49 75 5.76 5.42 4.34  156 6.84 48 2.71 2.70 2.66 76 6.67 6.04 4.47 48 2.57 2.56 2.54 76 6.03 5.62 4.38  168 6.38 49 2.77 2.76 2.71 77 7.02 6.26 4.50 49 2.62 2.61 2.59 77 6.33 5.83 4.43  180 5.98 50 2.83 2.82 2.76 78 7.40 6.48 4.52 50 2.67 2.67 2.64 78 6.65 6.04 4.46  192 5.64 51 2.89 2.88 2.82 79 7.81 6.70 4.54 51 2.73 2.72 2.69 79 7.01 6.26 4.49  204 5.33 52 2.96 2.94 2.88 80 8.27 6.92 4.56 52 2.79 2.78 2.74 80 7.40 6.48 4.52  216 5.06 53 3.03 3.01 2.94 81 8.76 7.13 4.57 53 2.85 2.84 2.80 81 7.83 6.70 4.54  228 4.82 54 3.10 3.08 3.00 82 9.30 7.34 4.58 54 2.92 2.91 2.85 82 8.29 6.92 4.56  240 4.60 55 3.18 3.16 3.06 83 9.89 7.53 4.58 55 2.99 2.98 2.91 83 8.80 7.13 4.57  252 4.40 56 3.26 3.23 3.13 84 10.54 7.72 4.59 56 3.07 3.05 2.98 84 9.35 7.33 4.58  264 4.22 57 3.35 3.32 3.19 85 11.26 7.88 4.59 57 3.14 3.12 3.04 85 9.95 7.52 4.58  276 4.06 58 3.44 3.40 3.26 86 12.05 8.03 4.59 58 3.23 3.20 3.11 86 10.59 7.70 4.59  288 3.90 59 3.54 3.49 3.34 87 12.91 8.17 4.59 59 3.31 3.29 3.18 87 11.28 7.87 4.59  300 3.77 60 3.64 3.59 3.41 88 13.86 8.28 4.60 60 3.40 3.37 3.25 88 12.03 8.02 4.59  312 3.64 61 3.74 3.69 3.48 89 14.88 8.38 4.60 61 3.50 3.46 3.32 89 12.84 8.15 4.59  324 3.52 62 3.86 3.79 3.56 90 15.99 8.46 4.60 62 3.60 3.56 3.40 90 13.71 8.27 4.60  336 3.41 63 3.98 3.91 3.64 91 17.17 8.53 4.60 63 3.71 3.66 3.47 91 14.66 8.37 4.60  348 3.31 64 4.11 4.02 3.71 92 18.43 8.58 4.60 64 3.82 3.77 3.55 92 15.70 8.45 4.60  360 3.21 65 4.24 4.15 3.79 93 19.78 8.63 4.60 65 3.95 3.88 3.63 93 16.86 8.53 4.60    66 4.39 4.28 3.87 94 21.20 8.66 4.60 66 4.07 4.00 3.71 94 18.13 8.58 4.60    67 4.55 4.42 3.95 95 22.67 8.68 4.60 67 4.21 4.12 3.79 95 19.53 8.63 4.60    Note: Due to the volume of relevant information, the Table does not provide income values for  Option 2 described in the Income Provisions. Those values are available from the Company's  Service Center upon request. You may contact the Company's Service Center as shown on the  cover page of the Contract.    BASIS OF COMPUTATION. The [2012 Individual Annuity Mortality Period Table, with an  interest rate of 1.00% and a 0% expense load], provides the actuarial basis for the Table of  Income Options. The Table of Income Options does not include any applicable tax.  





 






  RILA280 4  DEFINITIONS    ANNUITANT. The natural person(s) so designated on the Contract Data Pages, or by  subsequent designation, on whose life the Company determines the amount of Income  Payments provided by the Contract. References to the Annuitant include all Joint Annuitants, if  applicable.    BENEFICIARY(IES). The natural person(s) or legal entity(ies) You designate as Primary or  Contingent Beneficiary(ies) to receive any death benefit provided by the Contract. The initial  Beneficiary(ies) are shown on the Contract Data Pages.    BUSINESS DAY. Any day that the Company and the New York Stock Exchange (NYSE) are  open for business. The Business Day ends when the NYSE closes for the day.    CONTRACT. The Individual Single Premium Deferred Registered Index-Linked Annuity  described herein.    CONTRACT ANNIVERSARY. Each one-year anniversary of the Issue Date.    CONTRACT OPTION(S). The Contract Options for this Contract are the Fixed Account and the  Index Account.     CONTRACT VALUE. The Contract Value is equal to the sum of the Fixed Account value and  the Index Account value. See the Contract Option Provisions for details of how the Fixed  Account value and Index Account value are determined.     CONTRACT YEAR. The twelve-month period beginning on the Issue Date and on any Contract  Anniversary thereafter while the Contract remains in force.    CREDITING METHOD. A method of calculating the Index Adjustment. See the Supplemental  Contract Data Pages and Crediting Method Endorsements for details.     DUE PROOF. Evidence of death, including but not limited to a certified death certificate issued  by the governmental authority for the location of the death, or other lawful evidence the  Company requires.    FIXED ACCOUNT. A Contract Option in which amounts earn a declared rate of interest for a  certain period.    FIXED ACCOUNT MINIMUM INTEREST RATE (FAMIR). The Fixed Account Minimum Interest  Rate is the minimum annual percentage at which Your money allocated to the Fixed Account  will grow. The Company uses this rate to determine the Fixed Account Minimum Value (FAMV).  The FAMIR is shown on the Contract Data Pages and is guaranteed for the life of the Contract.  





 






  RILA280 5  DEFINITIONS (CONT'D)    FIXED ACCOUNT MINIMUM VALUE (FAMV). The FAMV is equal to all amounts allocated to  the Fixed Account, net of applicable taxes, multiplied by the Fixed Account Minimum Value  Percentage, and;  1. reduced by partial withdrawals and transfers from the Fixed Account, after being reduced  for any applicable Withdrawal Charges, and the Fixed Account Minimum Value Annual  Expense Allowance; then  2. accumulated at the FAMIR.    FIXED ACCOUNT MINIMUM VALUE ANNUAL EXPENSE ALLOWANCE. An annual  deduction from the FAMV. On each Contract Anniversary, the Company will deduct the Fixed  Account Minimum Value Annual Expense Allowance from the FAMV. The Fixed Account  Minimum Value Annual Expense Allowance is shown on the Contract Data Pages.    FIXED ACCOUNT MINIMUM VALUE PERCENTAGE. The Fixed Account Minimum Value  Percentage is multiplied by Premiums and transfers allocated to the Fixed Account in the  determination of the FAMV. The Fixed Account Minimum Value Percentage is shown on the  Contract Data Pages.    GOOD ORDER. The Company's receipt of all Premium, information, documentation, and/or  instructions the Company requires before it will issue the Contract, credit any interest, or  execute any transaction.     INCOME DATE. The date on which Income Payments are scheduled to begin as described in  the Income Provisions. The Income Date is shown on the Contract Data Pages.    INCOME OPTION. Payment options as provided under the Income Provisions.     INDEX(ES). A benchmark used to determine the Index Adjustment, if any, for a particular Index  Account Option. See the Supplemental Contract Data Pages for the available Indexes as of the  Issue Date.     INDEX ACCOUNT. A Contract Option in which amounts are subject to an Index Adjustment for  a specified period of time. See the Supplemental Contract Data Pages and Crediting Method  Endorsements for detailed descriptions of the Index Account Options within the Index Account.  Index Account Option availability is subject to change at the discretion of the Company on a  non-discriminatory basis.    INDEX ACCOUNT OPTION. An option within the Index Account for allocation of Contract  Value. Each Index Account Option is defined by its term, Index and Crediting Method.    INDEX ACCOUNT OPTION ANNIVERSARY. The Business Day concurrent with or immediately  following each anniversary of the Issue Date.  





 






  RILA280 6  DEFINITIONS (CONT'D)    INDEX ACCOUNT OPTION TERM ANNIVERSARY. The Business Day concurrent with or  immediately following the end of an Index Account Option term.    INDEX ADJUSTMENT (IA). The adjustment amount to an Index Account Option on the Index  Account Option Term Anniversary. This adjustment can be positive or negative, depending on  Index performance and Crediting Method.    INDEX ADJUSTMENT FACTOR(S). Parameters used to determine the Index Adjustment.  These parameters are specific to the applicable Crediting Method(s). See the Supplemental  Contract Data Pages and Crediting Method endorsements for additional details.    INTERIM VALUE. The quantity used to adjust the Index Account Option value for withdrawals  prior to the end of the Index Account Option term. The Interim Value uses prorated Index  Adjustment Factors based on the elapsed portion of the Index Account Option term and the  Interim Value Proration Factor (IVPF). For detailed information on the Interim Value, see the  Crediting Method endorsements and the Supplemental Contract Data Pages.    ISSUE DATE. The date the Company issued the Contract. The Issue Date is shown on the  Contract Data Pages.    JOINT ANNUITANT. Each of multiple Annuitants.    JOINT OWNER. Each of multiple Owners.    LATEST INCOME DATE (LID). The Contract Anniversary on which You will be 95 years old, or  such earlier date required by a Qualified Plan, law or regulation.    NON-QUALIFIED PLAN. A retirement plan which does not qualify for favorable tax treatment  under Sections 401, 403, 408, or 408A of the Internal Revenue Code, as amended.    OWNER ("YOU," "YOUR"). The natural person(s) or legal entity(ies) that has all rights under  the Contract, and is shown on the Contract Data Pages, or by subsequent designation. In this  Contract, "You" and "Your" also mean the Owner. References to the Owner include all Joint  Owners, if applicable.    PREMIUM. Money paid into this Contract for allocation into the Contract Options.    REMAINING PREMIUM. Total Premium paid into the Contract reduced by withdrawals of  Premium, before the withdrawal is adjusted for any charges, including Withdrawal Charges.    QUALIFIED PLAN. A retirement plan which qualifies for favorable tax treatment under Sections  401, 403, 408, or 408A of the Internal Revenue Code, as amended.  





 






  RILA280 7  DEFINITIONS (CONT'D)    REQUIRED MINIMUM DISTRIBUTION (RMD). For certain Qualified Plan contracts, the RMD is  the amount defined by the Internal Revenue Code and the implementing regulations as the  minimum distribution requirement that applies to this Contract only.    SERVICE CENTER. The Company's administrative address and telephone number as identified  on the Contract's cover page or as the Company may designate from time to time.    WITHDRAWAL CHARGE. A charge assessed against certain withdrawals from the Fixed  Account and/or the Index Account Option(s). The Withdrawal Charge Schedule is shown on the  Contract Data Pages.    WITHDRAWAL VALUE. The amount available upon a total withdrawal. The Withdrawal Value is  equal to the Contract Value, less any applicable Withdrawal Charge.  





 






  RILA280 8   GENERAL PROVISIONS    ANNUITANT. You may change the Annuitant at any time before the Income Date, unless the  Contract is owned by a legal entity. If the Contract is owned by a legal entity, the Company will  use the oldest Annuitant's age for all Contract purposes unless otherwise specified in the  Contract. Unless You specify otherwise, a change of Annuitant will take effect on the date the  request is signed by You, subject to any payments the Company has made or other actions the  Company has taken before the Company receives and records Your request. The Company  reserves the right to limit the number of Joint Annuitants to two (2). When the Owner is a legal  entity, the Annuitant(s) shall be entitled to the benefits of the Waiver of Withdrawal Charge Due  to Terminal Illness and the Waiver of Withdrawal Charge for Extended Care provisions. When  the Owner is a legal entity, the Annuitant may not be changed.    ASSIGNMENT. To the extent allowed by state law, the Company may refuse consent to any  assignment at any time, on a nondiscriminatory basis, if the assignment or ownership change  would result in noncompliance with any applicable state or federal regulation. Unless restricted  by endorsement, You may assign ownership of this Contract subject to the interests of  assignees and irrevocable Beneficiaries. The Company will only be bound by an assignment if a  request is submitted in a form acceptable to the Company, received in Good Order at the  Company's Service Center, recorded and acknowledged by the Company. Unless You specify  otherwise, an assignment will take effect on the date the request is signed by You, subject to  any payments the Company has made or other actions the Company has taken before the  Company receives and records Your request.     The Company assumes no responsibility for the validity or tax consequences of any  assignment. If You make an assignment, You may have to pay taxes. The Company  encourages You to seek legal and/or tax advice.    BENEFICIARY. You may change the Beneficiaries, subject to the interest of assignees and  irrevocable Beneficiaries. The Company will only be bound by a change in Beneficiary if a  request is submitted in a form acceptable to the Company, received in Good Order at the  Company's Service Center and recorded. Any previously designated irrevocable Beneficiary  must consent in writing to any change in Beneficiary. Unless You specify otherwise, a change of  Beneficiary will take effect on the date the request is signed by You, subject to any payments  the Company has made or other actions the Company has taken before the Company receives  and records Your request, and while You are alive.    CONFORMITY WITH LAWS. This Contract will be interpreted under the law of the state in  which it is issued and any applicable federal laws. Any provision that is in conflict with the laws  of the state in which the Contract is issued, or any federal law is amended to conform to the  minimum requirements of such law.    DEFERRAL OF PAYMENTS. If approved in writing by the chief insurance regulator of the  Company's state of domicile, the Company may defer payment of Your request for a partial  and/or total withdrawal from the Contract for a period not exceeding six (6) months. The  Company will credit interest on deferred amounts as required by law. The Company will not  defer payment of death benefits.  





 






  RILA280 9  GENERAL PROVISIONS (CONT'D)    ENTIRE CONTRACT. The Contract, application, if any, and any attached endorsements and  amendments together make up the entire Contract between You and the Company. All  statements made by the applicant to procure the Contract will, in the absence of fraud, be  deemed representations and not warranties.     INCONTESTABILITY. The Company may only contest this Contract when an applicant has  procured the Contract by fraud, and only if permitted by law in the state in which the Company  delivered the Contract or issued the Contract for delivery.    MINIMUM VALUES. Any Withdrawal Values and death benefits that may be available under  this Contract are not less than the minimum benefits required by any statute of the state in  which the Contract is delivered.    MISSTATEMENT OF AGE AND/OR SEX. If Your or the Annuitant's age and/or sex is misstated  at the time the Contract's Income Payments become payable, the Company will adjust the  payments to reflect income consistent with the correct age and/or sex. Immediately upon  discovery, the Company will adjust the next payment due as a credit or charge, as appropriate,  for any underpayments or overpayments using the Interest Rate for Adjustments Due to  Misstatement of Age or Sex shown on the Contract Data Pages.    MODIFICATION OF CONTRACT. No financial professional has authority to change or waive  any of this Contract's provisions. No change to or waiver of this Contract's terms is valid unless  in writing and signed by the Company's President, Vice President, Secretary or Assistant  Secretary; provided, however, that the Company may amend any Contract term, and administer  the Contract, to conform to the Internal Revenue Code.    NONPARTICIPATING. This Contract is nonparticipating and does not share in the Company's  surplus or earnings.    OWNER. To the extent allowed by state law, the Company may refuse consent to an ownership  change at any time, on a nondiscriminatory basis, if the ownership change would result in  noncompliance with any applicable state or federal regulation. Unless restricted by  endorsement, You may change the Owner or any Joint Owner. The Company will use the oldest  Owner's age for all Contract purposes unless otherwise specified in the Contract. The Company  will only be bound by a change of ownership if submitted in a form acceptable to the Company,  received in Good Order at the Company's Service Center, recorded and acknowledged by the  Company. No person whose age exceeds the maximum issue age in effect for this Contract as  of the Issue Date may become a new Owner. Unless You specify otherwise, a change of  ownership will take effect on the date the request is signed by You, subject to any payments the  Company has made or other actions the Company has taken before the Company receives and  records Your request. Joint Owners have equal ownership rights; therefore, each Owner must  authorize any exercise of Contract rights unless the Joint Owners instruct the Company in  writing to act upon authorization of an individual Joint Owner. The Company reserves the right  to limit the number of Joint Owners to two (2).    The Company assumes no responsibility for the validity or tax consequences of any  ownership change. If You make an ownership change, You may have to pay taxes. The  Company encourages You to seek legal and/or tax advice. 





 






  RILA280 10    GENERAL PROVISIONS (CONT'D)    PROOF OF AGE, SEX AND/OR SURVIVAL. The Company may require proof of age and/or  sex, satisfactory to the Company at any time. If any payment required by this Contract depends  on a living Annuitant, Owner, or Beneficiary, the Company may require proof of that person's  survival satisfactory to the Company.    PROTECTION OF PROCEEDS. A Beneficiary may not assign Contract proceeds before the  proceeds are payable. Contract proceeds are not subject to the claims of creditors or to legal  process unless required by applicable law.    REPORTS. The Company will send a report to Your last address in the Company's records at  least annually before the Income Date. In the case of Joint Owners, the Company will send  reports only to the primary Owner's address. If You have elected electronic delivery, a report  may be provided in the form of an email to Your last email address in the Company's records, or  a notice to You of a document's availability on the Company's website. Each report will provide  at least the following information:  1. the dates that begin and end the reporting period;   2. the Contract Value at the beginning and at the end of the current reporting period   3. the Withdrawal Value at the end of the reporting period;   4. the Withdrawal Charge the Company used to determine the Withdrawal Value;   5. the amounts the Company has credited to and deducted from the Contract Value during the  reporting period;  6. the death benefit at the end of the reporting period; and  7. any other information state and federal law require.     You may receive copies of reports the Company provides upon request at no additional charge.    You will receive a confirmation statement for certain transactions at the time they occur.    SEPARATE ACCOUNT. The Company holds certain investments supporting the assets  allocated to the Index Account in a non-insulated, non-unitized Separate Account. The Separate  Account is established pursuant to the laws of the Company's domiciliary state solely for the  purpose of supporting obligations under the Contract. You do not directly participate in the  performance of assets held in the Separate Account; and do not have any direct claim on them.  Assets of the Separate Account are chargeable with the claims of any of the Company's  contract owners as well as the Company's creditors and are subject to the liabilities arising out  of any other business the Company conducts. The Separate Account is not registered under the  Investment Company Act of 1940. The name of the Separate Account is shown on the Contract  Data Pages.     TAXES. This Contract is intended to be treated as an annuity contract for federal income tax  purposes. Accordingly, for all Non-Qualified Contracts all provisions of this Contract shall be  interpreted and administered in accordance with the requirements of Section 72(s) of the  Internal Revenue Code. The Company will deduct any taxes attributed to the Contract and  payable to a government entity from the Contract Value. The Company reserves the right to  deduct any amounts the Company might advance to pay taxes from the Contract Value. The  Company will withhold taxes required by law from any amounts payable from this Contract. 





 






  RILA280 11  GENERAL PROVISIONS (CONT'D)    WRITTEN NOTICE. Written information or instructions You intend to give the Company must be  in Good Order and delivered to the Company's Service Center, unless the Company advises  You otherwise. Instructions included in the Written Notice will take effect on the date the  Company receives the notice in Good Order at the Company's Service Center, unless otherwise  provided in the notice or in this Contract, or unless the Company advises You otherwise.    The Company will deliver any notice or communication to Your last address in the Company's  records unless You request otherwise in writing. If You have elected electronic delivery,  communication may be provided in the form of an email to Your last email address in the  Company's records, or a notice to You of a document's availability on the Company's website.  You are responsible for notifying the Company of any address change, email address change,  or any error in a Company notice sent to You. In the case of Joint Owners, the Company will  send notices and other communications to the primary Owner's address.  





 






  RILA280 12  CONTRACT OPTION PROVISIONS    The Contract contains two (2) types of Contract Options: Fixed Account and Index Account.    Upon Good Order, all Premium will be allocated to the Contract Options as elected on the  application. The Company reserves the right to restrict or prohibit allocation of Premium to the  Fixed Account at its discretion, on a non-discriminatory basis, at any time. No Premium will be  accepted after the Issue Date.    TRANSFERS.    Transfers may only occur on the Contract Anniversary, when transferring out of the Fixed  Account, and on the Index Account Option Term Anniversary when transferring out of an Index  Account Option. When the Contract Anniversary or Index Account Option Term Anniversary  occurs on a non-Business Day, the transfer will be effective on the following Business Day using  the following Business Day's values. You will receive notice thirty (30) days prior to the Index  Account Option Term Anniversary. The notice will include information on the Contract Options  available to You. You may request a transfer to or from the Fixed Account and to or from the  Index Account Options. You may also request transfers among the available Index Account  Options within the Index Account. A request for a transfer must be received in Good Order prior  to the Index Account Option Term Anniversary. If no transfer request is received on or prior to the  Index Account Option Term Anniversary, the Fixed Account value will remain in the Fixed  Account and the Index Account Option value(s) will be reallocated to the same Index Account  Option(s) for the same term, Crediting Method and Index, if available.     If the Crediting Method, or Index is no longer available as of the Index Account Option Term  Anniversary, the Index Account Option value(s) will be reallocated to the Fixed Account until  further instruction is received.     If You do not select an Index Account Option term within thirty (30) days prior to the end of the  expired Index Account Option term:  1. if the same Index Account Option term is available at the time and does not extend beyond  the Income Date, the Company will renew the Index Account Option into the same Index  Account Option term.  2. if the same Index Account Option term is available at the time but extends beyond the Income  Date, the Company will select the available Index Account Option term that ends closest to  but before the Income Date.  3. if the same Index Account Option term is not available at the time but would not extend  beyond the Income Date were it available, the Company will select the available Index  Account Option term with the period closest to but less than the Index Account Option term  that just ended.    Unless specified otherwise, transfers will be taken from the Index Account Options and the Fixed  Account in proportion to their current value. The Company reserves the right, to restrict or prohibit  transfers from the Index Account Option to the Fixed Account, at its discretion, on a  nondiscriminatory basis, at any time.  





 






  RILA280 13  CONTRACT OPTION PROVISIONS (CONT'D)    Transfers from a Fixed Account will reduce the Fixed Account value by the transfer amount  requested. Transfers into a Fixed Account will increase the Fixed Account value by the transfer  amount requested. Transfers from an Index Account Option will reduce the Index Account  Option value by the transfer amount requested. Transfers into an Index Account Option will  increase the Index Account Option value by the transfer amount requested.    Fixed Account. The Fixed Account is an annually renewable fixed account. The Company will  credit interest to amounts allocated to the Fixed Account. Such interest will be credited at such  rate(s) as the Company prospectively declares on a periodic basis, at the sole discretion of the  Company. On each Contract Anniversary the interest rate for the Fixed Account is subject to  change. In no event will the interest rate credited by the Company to the Fixed Account be less  than the FAMIR, as shown on the Contract Data Pages, per annum.    Index Account Option. An option within the Index Account for allocation of Contract Value,  defined by term, Index, and Crediting Method. The terms, Indexes, and Crediting Methods  available as of the Issue Date are shown on the Supplemental Contract Data Pages. Availability  of terms, Indexes, and Crediting Methods are subject to change at the sole discretion of the  Company on a non-discriminatory basis.    Fixed Account Value. The Fixed Account value is equal to (1) the value of Premium and any  amounts transferred into the Fixed Account; (2) plus interest credited daily at a rate not less  than the FAMIR, as shown on the Contract Data Pages, per annum; (3) less any gross partial  withdrawals, including any Withdrawal Charges on such withdrawals; (4) less any amounts  transferred out of the Fixed Account. The Fixed Account Value will never be less than the  FAMV.    Index Account Value. The Index Account value is equal to the sum of the Index Account  Option values.    The Index Account Option value at the beginning of the Index Account Option term is equal to  the amount allocated or transferred to the Index Account Option less the amount transferred out  of the Index Account Option.    During the Index Account Option term, the Index Account Option value is equal to the Interim  Value, which is the greater of the Index Account Option value at the beginning of the term  reduced for any partial withdrawals from the Index Account Option during the Index Account  Option term, including any Withdrawal Charges, in the same proportion as the Interim Value  was reduced on the date of the withdrawal, plus the prorated Index Adjustment subject to  prorated Index Adjustment Factors and the IVPF, or zero. Additional detail on Index Adjustment  Factors can be found in the Crediting Method endorsements and Supplemental Contract Data  Pages.    On the Index Account Option Term Anniversary, the Index Account Option value is equal to the  greater of the Index Account Option value at the beginning of the Index Account Option term,  reduced for any partial withdrawals from the Index Account Option during the Index Account  Option term, including any Withdrawal Charges, in the same proportion as the Interim Value  was reduced on the date of the withdrawal, plus the Index Adjustment subject to Index  Adjustment Factors, or zero. Additional detail on Index Adjustment Factors can be found in the  Crediting Method endorsements and Supplemental Contract Data Pages.  





 






  RILA280 14  WITHDRAWAL PROVISIONS    On or before the Income Date, You may request a total or partial withdrawal of the Contract  Value by submitting a request to the Company's Service Center in a form acceptable to the  Company.    The withdrawal will be processed after a withdrawal request is received at the Service Center in  Good Order. If a total withdrawal is requested, You must submit the Contract to the Service  Center with the withdrawal request.    TOTAL WITHDRAWAL. During the Withdrawal Charge Schedule, the Withdrawal Value for a  total withdrawal from the Contract is equal to the Contract Value less any Withdrawal Charge.  After the expiration of the Withdrawal Charge Schedule, the Withdrawal Value for a total  withdrawal from the Contract is equal to Contract Value. A total withdrawal terminates Your  Contract.    In no event will a total withdrawal from the Fixed Account be less than the FAMV.    No withdrawal may exceed the Withdrawal Value.    PARTIAL WITHDRAWAL. Any partial withdrawal may be subject to a Withdrawal Charge. At  least the Minimum Contract Value remaining after a partial withdrawal, as shown on the  Contract Data Pages, must remain after any partial withdrawal. Unless You request otherwise, a  gross partial withdrawal will be deducted from the Fixed Account and the Index Account  Option(s) in proportion to their current values. The gross partial withdrawal will be reduced for  any applicable Withdrawal Charge.     If the gross amount of the partial withdrawal would reduce the Contract Value below the  Minimum Contract Value remaining after a partial withdrawal, as shown on the Contract Data  Pages, the Company will treat the withdrawal request as a total withdrawal and the Withdrawal  Value will be paid.    The amount payable as a result of the partial withdrawal will be determined at the end of the  Business Day on which the Company receives Your request for withdrawal in Good Order at the  Company's Service Center.     Partial Withdrawals will reduce each Index Account Option's value at the beginning of the term  in the same proportion that its Interim Value was reduced on the date of the withdrawal.    QUALIFIED PLAN CONTRACT REQUIRED MINIMUM DISTRIBUTIONS. Qualified Plan  Contract RMDs are based upon Your Contract Value, and applicable federal tax law  requirements. You may request a withdrawal for an RMD by submitting a written request to the  Service Center on a Company provided form.  





 






  RILA280 15  WITHDRAWAL PROVISIONS (CONT'D)    The Company will waive any Withdrawal Charge if the gross amount withdrawn does not  exceed the Contract's RMD amount. However, if a gross withdrawal amount is greater than the  Contract's RMD amount, the excess amount of the gross partial withdrawal is subject to a  Withdrawal Charge.    AUTOMATIC WITHDRAWAL. You may elect to take an automatic withdrawal by withdrawing a  specific sum or a certain percentage of the Contract Value on a monthly, quarterly, semiannual  or annual basis, subject to the Minimum Partial Withdrawal amount made as a scheduled part of  an automatic withdrawal program, as shown on the Contract Data Pages. Automatic  withdrawals are treated as partial withdrawals and will be counted in determining the amount  taken as a Free Withdrawal in any Contract Year. Automatic withdrawals in excess of the Free  Withdrawal amount may be subject to Withdrawal Charges. If an automatic withdrawal causes  the Withdrawal Value to fall to zero, future automatic withdrawals will terminate. If the automatic  withdrawal would reduce the Contract Value below the Minimum Contract Value remaining after  a partial withdrawal, as shown on the Contract Data Pages, the Company will treat the  automatic withdrawal as a total withdrawal and the Withdrawal Value will be paid.    WITHDRAWAL CHARGE. The Company may impose a Withdrawal Charge against certain  withdrawals from the Contract. The Company will calculate Withdrawal Charges in accordance  with the Withdrawal Charge Schedule shown on the Contract Data Pages.    For purposes of determining the Withdrawal Charge, the Contract Value is divided into earnings  and Remaining Premium, as defined in the Contract. Earnings are not subject to a Withdrawal  Charge. For the sole purpose of determining the amount of the Withdrawal Charge, earnings  are defined as any excess of the Contract Value over Remaining Premium.     Remaining Premium is defined as the total Premium paid into the Contract less withdrawals of  Premium, before the withdrawal is adjusted for any charges.    The Withdrawal Charge is equal to the applicable Withdrawal Charge Percentage applied to the  gross amount of Remaining Premium withdrawn (not the net amount of Remaining Premium  received by You), excluding any amount for which the Contract expressly provides for a waived,  or no, Withdrawal Charge. In the event of a total withdrawal, the applicable Withdrawal Charge  Percentage is applied to the full value of Remaining Premium immediately prior to the  withdrawal, less any Free Withdrawal available at the time of the total withdrawal. The  Withdrawal Charge reduces Remaining Premium and Contract Value. The Withdrawal Charge  will be taken from the Contract Options in the same proportion as the requested withdrawal.    Withdrawals will be allocated first to earnings (which may be withdrawn free of any Withdrawal  Charge), if any, and second to Remaining Premium.    Any portion of the Withdrawal Charge that would reduce the Fixed Account Value below the  FAMV will be waived.  





 






  RILA280 16  WITHDRAWAL PROVISIONS (CONT'D)    FREE WITHDRAWAL. During each Contract Year, You may make partial withdrawals from the  Contract without incurring a Withdrawal Charge. The amount of Free Withdrawal available in  any Contract Year is equal to the greater of:  1. the Free Withdrawal Percentage, as shown on the Contract Data Pages, multiplied by the  Contract Value that is subject to a Withdrawal Charge at the beginning of the Contract Year  according to the Withdrawal Charge Schedule shown on the Contract Data Pages; less  earnings, as defined in the Withdrawal Charge provision of this Contract; or   2. zero    The Free Withdrawal can be taken as a single withdrawal or multiple withdrawals throughout the  Contract Year. The amount of Your Free Withdrawal available will vary throughout the Contract  Year depending on previous withdrawals of Your Free Withdrawal amount, previous withdrawals  of earnings, and the amount of earnings present at the time of the withdrawal. The amount of  Your Free Withdrawal available will reduce due to withdrawals during the Contract Year.    Any amount withdrawn to satisfy an RMD may reduce the amount of Your Free Withdrawal  available.    No Free Withdrawal may exceed the Withdrawal Value.    Amounts withdrawn under the Free Withdrawal provision reduce the Contract Value and may  reduce Remaining Premium. Withdrawals during the Contract Year in excess of the Free  Withdrawal may be subject to any applicable Withdrawal Charges.    WAIVER OF WITHDRAWAL CHARGE DUE TO TERMINAL ILLNESS.    If You are diagnosed with a terminal illness on or after the Issue Date shown on the Contract  Data Pages, the Company will waive the Withdrawal Charge on the amount You withdraw from  the Contract, up to the Waiver of Withdrawal Charge Due to Terminal Illness maximum amount  shown on the Contract Data Pages. Upon Your compliance with the Claim Requirements  described below, You will be eligible for this waiver on or after the Eligibility Date shown on the  Contract Data Pages. All other Contract values will be reduced proportionately for the amount  withdrawn.     The Company will allocate the withdrawal amount to each Contract Option according to the  method described in the Withdrawal Provisions. The Company will determine values at the end  of the Business Day on which the Company receives the request for withdrawal in Good Order  at the Company's Service Center. Withdrawals under this provision may reduce Remaining  Premium.    This Waiver of Withdrawal Charge Due to Terminal Illness is available only once, no matter the  amount withdrawn or in the circumstances of multiple medical conditions and/or Joint Owners. 





 






  RILA280 17  WITHDRAWAL PROVISIONS (CONT'D)    For the purpose of this waiver, the following definitions apply:     Immediate Family - means the individual's spouse/domestic partner, child, brother, sister,  parent or grandparent.     Physician - means an individual who is licensed to practice medicine and treat illness or  injury in the state where treatment is received and who is acting within the scope of his or  her license. The term Physician only refers to a Physician licensed and currently practicing  in the United States or its territories. The term Physician does not include:  1. an Annuitant or Joint Annuitant;  2. an Owner or Joint Owner;  3. a Beneficiary;  4. a member of the Annuitant's, Joint Annuitant's, Owner's or Joint Owner's Immediate  Family.     Physician's Statement - means a written statement signed by a Physician, which:  1. provides the Physician's diagnosis of Your medical condition; and   2. declares with reasonable medical certainty and to the Company's reasonable  satisfaction that notwithstanding ordinary and reasonable medical care, advice and  treatment, Your medical condition will result in Your death within twelve (12) months  from the date of the Physician's statement.    Claim Requirements. Your request to the Company must include (1) a completed claim form,  (2) Your signed release for records of all Physicians and institutions that have treated You for  the medical condition You claim, and (3) a Physician's Statement to the Company's Service  Center in Good Order. The Company reserves the right to request additional releases for the  records of any Physician and institution that have provided treatment to You.     The Company will send You a form to claim the Waiver of Withdrawal Charge Due to Terminal  Illness within ten (10) Business Days of the Company's receipt of Your request. If the Company  fails to send the claim form within ten (10) Business Days, You will be deemed to have complied  with the above claim requirements.    Claim Determination. The Company reserves the right to deny Your claim if You do not satisfy  the Claim Requirements. The Company will notify You if the Company denies Your waiver of  Withdrawal Charge Due to Terminal Illness claim, and You will then have the opportunity to  submit a standard withdrawal request subject to any applicable Withdrawal Charge. Termination  of the Contract will not prejudice any payment made under the terminal illness waiver that  occurred while this Contract was in force.    YOU MAY OWE TAX ON WITHDRAWALS FOR TERMINAL ILLNESS. THE COMPANY  ENCOURAGES YOU TO SEEK LEGAL AND/OR TAX ADVICE.  





 






  RILA280 18  WITHDRAWAL PROVISIONS (CONT'D)    WAIVER OF WITHDRAWAL CHARGE FOR EXTENDED CARE.    If You are confined as an inpatient in a Nursing Home or Hospital for ninety (90) consecutive  days starting after the Issue Date shown on the Contract Data Pages, the Company will waive  the Withdrawal Charge on the amount You withdraw from the Contract up to the Waiver of  Withdrawal Charge for Extended Care maximum amount shown on the Contract Data Pages.  Upon Your compliance with the Claim Requirements described below, You will be eligible for  this waiver on the Eligibility Date shown on the Contract Data Pages. All other Contract values  will be reduced proportionately for the amount withdrawn.    The Company will allocate the withdrawal amount to each Contract Option according to the  method described in the Withdrawal Provisions. The Company will determine values at the end  of the Business Day on which the Company receives the request for withdrawal in Good Order  at the Company's Service Center. Withdrawals under this provision may reduce Remaining  Premium.    The availability of access to guarantees or values is not intended to provide long-term care or  nursing home insurance.    This Waiver of Withdrawal Charge for Extended Care is available only once, no matter the  amount withdrawn or in the circumstances of multiple confinements for the same or a different  medical condition and/or Joint Owners.     For the purpose of this waiver, the following definitions apply:     Hospital. A facility that:  1. is located within the United States or its territories;  2. is operated pursuant to the law;  3. operates primarily for the inpatient care and treatment of sick and injured persons;  4. provides continuous twenty-four (24) hour a day nursing service by or under the  supervision of a registered nurse (R.N.);  5. is supervised by a staff of licensed physicians; and  6. has its own medical and diagnostic facilities or has access to such facilities on a  prearranged basis.     Immediate Family - means the individual's spouse/domestic partner, child, brother, sister,  parent or grandparent.     Medically Necessary - means consistent with Your diagnosis in accordance with accepted  standards of medical practice without which Your medical condition would be adversely  affected. 





 






  RILA280 19  WITHDRAWAL PROVISIONS (CONT'D)     Nursing Home. A facility that:  1. is licensed by the appropriate governmental licensing agency as a Nursing Home in the  state in which it maintains such facilities;  2. is operated pursuant to the law;  3. charges patients a fee for the care provided;  4. is primarily engaged in providing nursing care (skilled, intermediate or custodial) by or  under the supervision of a licensed Physician and room and board accommodations;  5. provides continuous twenty-four (24) hour a day nursing services by or under the  supervision of a registered nurse (R.N.);  6. has a licensed Physician on premises available to furnish emergency medical care;  7. maintains a daily medical record of each patient; and  8. maintains control and records of dispensed medications.     Physician - means an individual who is licensed to practice medicine and treat illness or  injury in the state where treatment is received and who is acting within the scope of his or  her license. The term Physician only refers to a Physician licensed and currently practicing  in the United States or its territories. The term Physician does not include a person who is:  1. an Annuitant or Joint Annuitant;  2. an Owner or Joint Owner;  3. a Beneficiary;  4. a member of the Annuitant's, Joint Annuitant's, Owner's or Joint Owner's Immediate  Family.     Physician's Statement - means a written statement signed by a Physician which provides  the Physician's diagnosis of Your medical condition.    You will be considered confined to a Nursing Home or Hospital only if Your confinement is  prescribed by a Physician and Medically Necessary.    Claim Requirements. Ninety (90) days after the date You become confined, You may submit a  request, which must include (1) a completed claim form, (2) Your signed release for records of  all Physicians and institutions that have treated You for the medical condition You claim, and (3)  a Physician's Statement to the Company's Service Center in Good Order. The Company  reserves the right to request additional releases for the records of any Physician, Hospital and  Nursing Home that have provided treatment to You.    The Company will send You a form to claim the Waiver of Withdrawal Charge for Extended  Care within ten (10) Business Days of the Company's receipt of Your request. If the Company  fails to send the claim form within ten (10) Business Days, You will be deemed to have complied  with the above claim requirements.    Claim Determination. The Company reserves the right to deny Your claim if You do not satisfy  the Claim Requirements. The Company will notify You if the Company denies Your waiver of  Withdrawal Charge for Extended Care claim, and You will then have the opportunity to submit a  standard withdrawal request, subject to any applicable Withdrawal Charge. Termination of the  Contract will not prejudice any payment made under the extended care waiver that occurred  while this Contract was in force.    YOU MAY OWE TAX ON WITHDRAWALS FOR EXTENDED CARE. THE COMPANY  ENCOURAGES YOU TO SEEK LEGAL AND/OR TAX ADVICE.  





 






  RILA280 20  DEATH BENEFIT PROVISIONS    NATURAL OWNER'S DEATH BEFORE THE INCOME DATE. Upon Your death or the death of  any Joint Owner, before the Income Date, the Company will pay the death benefit to the  Beneficiary(ies) designated by You.    Upon the death of the first Joint Owner, the surviving Joint Owner will become the Primary  Beneficiary and will receive the death benefit payable. Any other Beneficiary designation on  record at the Company's Service Center at the time of the first Joint Owner's death will be  treated as a Contingent Beneficiary.    ANNUITANT'S DEATH BEFORE THE INCOME DATE. Upon the death of an Annuitant who is  not an Owner before the Income Date, the Contract remains in force and the Owner becomes  the Annuitant. The Owner may designate a new Annuitant, subject to the Company's  administrative rules then in effect. No death benefit is payable on the death of an Annuitant who  is not also an Owner.     If the Contract is owned by a legal entity, upon the death of the Annuitant, (in the case of Joint  Annuitants, upon the death of the first Annuitant) the Company will pay the death benefit to the  Beneficiary(ies) designated by the Owner, or, if no Beneficiary(ies) survive the applicable death,  to the Owner.     DEATH BENEFIT AMOUNT BEFORE THE INCOME DATE. The death benefit amount before  the Income Date is equal to the greater of:  1. the current Contract Value; or  2. Premiums paid into the Contract, less any applicable taxes, adjusted for any withdrawals  (including any applicable charges and adjustments for such withdrawals) incurred since the  issuance of the Contract. All adjustments will occur at the time of the withdrawal. All  adjustments for amounts withdrawn will reduce this item in the same proportion that the  Contract Value was reduced on the date of such withdrawal.    DEATH BENEFIT PAYMENT OPTIONS BEFORE THE INCOME DATE. Unless You  designated a Pre-selected Death Benefit Option, a Beneficiary entitled to the death benefit  before the Income Date must request that the Company pay the death benefit according to one  of the death benefit options below:    Option 1 - single lump-sum payment;  Option 2 - payment of the entire death benefit distributed within five (5) years of the date of the  relevant death; or  Option 3 - Income Payments of the death benefit with distributions beginning within one (1) year  of the date of the relevant death:  (i) over the lifetime of the Beneficiary; or  (ii) over a period not extending beyond the life expectancy of the Beneficiary.    The Company may make available other death benefit payment options.    A Beneficiary that wishes to elect payment under Option 3 must do so no later than sixty (60)  days from the date the Company receives Due Proof of death in Good Order at the Company's  Service Center. 





 






  RILA280 21   DEATH BENEFIT PROVISIONS (CONT'D)    Any portion of the death benefit not applied under Option 3 must be paid within five (5) years  from Your death. The death benefit will remain invested in accordance with the allocation  selected by You until a payout option is selected or the Beneficiary specifies otherwise.    DEATH BENEFIT PAYMENT OPTIONS FOR QUALIFIED PLANS. For Qualified Plans, the  death benefit payment options may be limited under the terms of the plan endorsement in order  to qualify under the Internal Revenue Code.     BENEFICIARY'S ENTITLEMENT TO DEATH BENEFIT BEFORE THE INCOME DATE. The  Company will pay the death benefit to Primary Beneficiaries or, if none exist, to Contingent  Beneficiaries, in equal shares (the "default allocation") unless You have designated otherwise  (the "designated allocation"). A Beneficiary that dies before or within ten (10) days (or different  period as prescribed by applicable law) of Your death is not entitled to any death benefit. In that  circumstance, the Company will pay the deceased Beneficiary's share of the death benefit to  surviving Beneficiaries in the same proportion as the designated allocation or, if applicable, the  default allocation. If no Beneficiary survives You, the Company will pay the death benefit to Your  estate.    PAYMENT OF DEATH BENEFIT. The Company will pay the death benefit to the Beneficiary  upon receipt of a request for payment with Due Proof of the relevant death in Good Order at the  Company's Service Center. If the Company has received Due Proof of death, the Company will  calculate the share of the death benefit due to a Beneficiary using Contract values established  at the end of the Business Day on the date the Company receives a claim form with a payment  option elected from that Beneficiary. If the Company has not received Due Proof of death or any  other required documentation, the Company will calculate the share of the death benefit due to  a Beneficiary using Contract values established at the end of the Business Day on the date the  Company receives any remaining required documentation. The Index Adjustments may cause  the calculation of a Beneficiary's death benefit share to differ from the calculation of another  Beneficiary's death benefit share. The Company will pay interest on a Beneficiary's death  benefit share as required by law.     Each Beneficiary entitled to the death benefit bears the investment risk associated with amounts  allocated to any Index Account Option until the Company calculates their share of the death  benefit.    If any death benefit is due to an Owner's estate, the Company will pay the benefit in a single  lump-sum payment.     If a single lump-sum payment is elected, the Contract will remain in force and will accrue  interest, at current rate(s) based on the Contract's current Crediting Method/Index combinations,  until the Company first receives Due Proof of death in Good Order. After that time, the rate of  interest will equal the rate of interest applicable to death benefit left on deposit with the  Company on the date of Your death.    The Company will pay the death benefit in accordance with applicable laws and regulations  governing death benefit payments and in accordance with the Company's administrative  procedures.  





 






  RILA280 22   DEATH BENEFIT PROVISIONS (CONT'D)    Spousal Continuation Option Instead of Death Benefit. Unless the Contract is subject to a  Pre-selected Death Benefit Option, a spouse who is a Joint Owner or Beneficiary of the  deceased Owner may elect to continue the Contract in his or her own name at an adjusted  Contract Value as described below and exercise the Owner's rights under the Contract instead  of taking the standard death benefit.    For purposes of the Spousal Continuation Option, the "continuation date" is the date on which  the Company receives the spouse's written request to elect the Spousal Continuation Option  and Due Proof of the relevant death in Good Order at the Company's Service Center.    If the Contract Value on the continuation date is less than the death benefit, an amount will be  added to the Contract Value to make up the difference. This amount is referred to as the  continuation adjustment. The Company will allocate the continuation adjustment to the Fixed  Account. The continuation adjustment will have no effect on the FAMV. Withdrawal Charges will  continue with the same schedule as prior to the original Owner's death. However, no Withdrawal  Charge will apply to the continuation adjustment.    For purposes of determining the future death benefits for the surviving spouse under the  continuing Contract, the Contract Value following the application of any continuation adjustment  will be considered the initial Premium of the continuing Contract.    The Spousal Continuation Option is void in the event the original Contract Owner is no longer  the Contract Owner or in the event the Contract has been assigned. The Spousal Continuation  Option may be exercised only once and may not be available if You designated a Pre-selected  Death Benefit Option.    Pre-selected Death Benefit Option. Before the Income Date, You may designate the option  according to which the Company will pay the death benefit from the death benefit payment  options described in the Contract, or other death benefit options made available by the  Company. You may do so by submitting a designation in a form acceptable to the Company in  Good Order to the Company's Service Center. Pre-selected Death Benefit Options are effective  only after being recorded by the Company. The Company will pay the death benefit consistent  with Your Pre-selected Death Benefit Option unless the Internal Revenue Code requires  otherwise, or Your election requires payment over a period that exceeds the Beneficiary's life  expectancy as determined by the Company.    Only You may revoke or change a Pre-selected Death Benefit Option. To do so, You must  submit a request in a form acceptable to the Company to the Company's Service Center.  Revocations of and changes to a Pre-selected Death Benefit Option are effective only after  being recorded by the Company.  





 






  RILA280 23  INCOME PROVISIONS    INCOME DATE. Income Payments begin on the Income Date. If You do not select an Income  Date, the Income Date is the LID. You may change the Income Date to any date that is not later  than the LID by submitting Written Notice in Good Order to the Company's Service Center at  least seven (7) days before the Income Date.    INCOME PAYMENT. On or before the Income Date, You may elect payment in a single lump- sum. A single lump-sum payment is considered a total withdrawal and terminates the Contract.  The Company will make payment to You or another payee You specify. Alternatively, You may  elect an Income Option to begin on the Income Date. The Company will apply the Contract  Value, less applicable taxes, to provide You income according to Your selected Income Option.  Withdrawal Charges will apply if Income Payments begin within one (1) year of the Issue Date.     INCOME OPTIONS. You may elect payment as provided in Options 1, 2, 3, or 4 below. You  may elect an Income Option up to thirty (30) days before the Income Date by submitting Written  Notice in Good Order to the Company's Service Center. The Company will make payment to  You or another payee You specify.    If You do not select an Income Option the Company will make payments as provided in Option 3  below, with 120 months certain. The Company will make payments monthly, quarterly,  semiannually or annually as You elect. However, if the Contract Value on the Income Date is  less than $2,000, the Company may pay out the Contract Value in one (1) lump-sum payment  instead of providing Income Payments according to the Income Option You elect. If the first  monthly payment provided would be less than $20, the Company may make payments  quarterly, semiannually or annually to achieve an initial payment of at least $20, or the  Company may pay out the Contract Value in one (1) single lump-sum payment.    At the time of their commencement, Income Payments will not be less than those that would be  provided by the application of an equivalent amount to purchase a single premium immediate  annuity contract from the Company at purchase rates the Company offered on the Income Date  to annuitants in the same class as the Annuitant.    YOU MAY NOT TAKE WITHDRAWALS DURING ANY PERIOD THE COMPANY IS MAKING  PAYMENTS FOR AN ANNUITANT'S LIFETIME.    OPTION 1 - LIFE INCOME. A monthly payment for the Annuitant's lifetime. All payments end  upon the Annuitant's death. However, in the event of the Annuitant's death before the first  monthly payment, the Company will pay the amount allocated to this Income Option to You or, if  You are deceased, to Your Beneficiary.    OPTION 2 - JOINT AND SURVIVOR INCOME. A monthly payment for the longer of the  Annuitant's lifetime or that of a second person You designate. Upon the occasion of the first  person to die, monthly payments continue during the survivor's lifetime at either the full amount  previously payable or as a percentage (either one-half or two-thirds) of the full amount, as You  select at the time You elect the Income Option.    All payments end upon the death of the last surviving Annuitant. However, in the event of the  deaths of the Annuitant and the designated second person before the first monthly payment, the  Company will pay the amount allocated to this Income Option to You or, if You are deceased,  Your Beneficiary.   





 






  RILA280 24  INCOME PROVISIONS (CONT'D)    OPTION 3 - LIFE INCOME WITH 120 OR 240 MONTHLY PAYMENTS GUARANTEED. A  monthly payment for the Annuitant's lifetime with the guarantee that the Company will make no  fewer than 120 or 240 monthly payments to You. If the Owner is an entity, at the Annuitant's  death, if fewer than the guaranteed number of payments have been made, the remaining  guaranteed payments will be made to the Owner as previously scheduled. If the Owner is the  Annuitant, in the event You die before the Company makes the specified number of guaranteed  payments, Your Beneficiary may elect to continue to receive the Income Payments according to  the terms of this Contract, or alternatively may elect to receive the present value of any  remaining guaranteed payments in a single lump-sum payment. The present value of any  remaining guaranteed payments will be based on the total Income Payments as of the date of  the calculation. The Company will determine the interest rate used in this present value  calculation, but in no instance will it be greater than (one) 1 percentage point higher than the  rate used to calculate the initial Income Payment.     OPTION 4 - INCOME FOR A SPECIFIED PERIOD. A monthly payment for any whole number  of years ranging from 5 to 30. In the event You die before the Company makes the specified  number of payments, Your Beneficiary may elect to continue to receive the Income Payments  according to the terms of this Contract, or alternatively may elect to receive the present value of  any remaining guaranteed payments in a single lump-sum payment. The present value of any  remaining guaranteed payments will be based on the total Income Payments as of the date of  the calculation. The Company will determine the interest rate used in this present value  calculation, but in no instance will it be greater than (one) 1 percentage point higher than the  rate used to calculate the initial Income Payment.     ADDITIONAL INCOME OPTIONS. The Company may make available other Income Options.    DEATH BENEFIT AMOUNT AFTER THE INCOME DATE. If the Income Date precedes the  Latest Income Date, upon any Owner's death, any remaining Income Payments will be paid in  accordance with the Income Options of this Contract and will be paid at least as rapidly as the  payment method in effect as of the Owner's death.     If the Income Date is the LID, the death benefit amount is equal to the greater of zero or:    1. Premium paid into the Contract, less any applicable taxes, adjusted for any withdrawals  (including any applicable charges and adjustments for such withdrawals) incurred since the  issuance of the Contract through the LID. All adjustments will occur at the time of the  withdrawal. All adjustments for amounts withdrawn will reduce this item in the same portion  that the Contract Value was reduced on the date of such withdrawal; less  2. the Contract Value on the LID.    OWNER'S DEATH AFTER THE INCOME DATE. Upon the death of any Owner who is not also  an Annuitant after the Income Date, any remaining Income Payments due will continue at least  as rapidly as the payment method in effect as of the date of the Owner's death. Upon the death  of the last surviving Joint Owner after the Income Date, any remaining Income Payments will be  paid to the Beneficiary.    ANNUITANT'S DEATH AFTER THE INCOME DATE. Upon the death of the Annuitant after the  Income Date, the death benefit, if any, will be as specified in the Income Option elected. Any  life-contingent Income Payments cease on the death of the Annuitant. 





 






  RILA280 25  INCOME PROVISIONS (CONT'D)    BENEFICIARY'S ENTITLEMENT TO INCOME PAYMENTS AFTER THE INCOME DATE.  Upon the death of any Owner, the Company will pay any remaining Income Payments due to  Primary Beneficiaries or, if none exist, to the Contingent Beneficiaries, in equal shares (the  "default allocation") unless You have designated otherwise (the "designated allocation"). A  Beneficiary that dies before or within ten (10) days (or different period as prescribed by  applicable law) of Your death is not entitled to remaining Income Payments due; in that  circumstance, the Company will pay any remaining Income Payments due the deceased  Beneficiary to surviving Beneficiaries in the same proportion as the designated allocation or, if  applicable, the default allocation. If no Beneficiary survives You, the Company will pay  remaining Income Payments to Your estate.  





 






  RILA280 26  TERMINATION PROVISIONS    This Contract terminates and all Contract benefits, will end on the earlier of:  1. the date You take a total withdrawal;  2. the date the Contract Value is reduced to zero for any reason, or;  3. the date upon which the Company receives Due Proof of Your (or any Joint Owner's) death  and all Beneficiaries' election of a death benefit payment option in Good Order at the  Company's Service Center, unless the Contract is continued by the spouse under the  Spousal Continuation Option.