Document:

<PAGE>

                                                                  [EXHIBIT 4(f)]

                                CONTRACT SCHEDULE

MERRILL LYNCH LIFE INSURANCE COMPANY        Contract Number: [%999999999]
Service Center:                             Contract Date:   [January 3, 2005]
[P.O. Box 44222]
[Jacksonville, FL 32231-4222]               Financial Advisor:
[1-800-535-5549]                            [JOE BROKER]

CONTRACT INFORMATION

Contract Form:           ML-VA-010 - Flexible Premium Deferred Variable Annuity
Surrender Charge Period: [7 Years]
Type of Contract:        [Non-Qualified]

Owner(s) Information:

    Name(s)                             Sex     Age [Nearest Birthday]

    [John Doe]                          [M]              [65]
    Maximum Owner Age:        [80]

Annuitant(s) Information:

    Name(s)                             Sex     Age [Nearest Birthday]

    [Joe Smith]                         [M]              [55]
    Maximum Annuitant Age:    [80]

Beneficiary(s) Information:
   Primary Beneficiary

    Name(s)                      Relationship                         Percentage

    [Mary Doe]                     [Spouse]                             [100]%

Contingent Beneficiary

    Name(s)                      Relationship                         Percentage

    [Anne Doe]                   [Daughter]                             [100]%

CONTRACT TERMINATION

This Contract will terminate upon the occurrence of any of the following events:

      a.    the date the Contract is returned under the RIGHT TO REVIEW CONTRACT
            provision;

      b.    the date of payment of the entire Surrender Value;

      c.    the date of the last Death Benefit payment to the last Beneficiary;
            or

      d.    the date of the final annuity payment.

                                     - 5A -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number:   [%999999999]

INACTIVE CONTRACT

[This Contract will be terminated by Us if, at the end of any Valuation Period:

      1.    no Premium payments have been received during the prior [24] months;
            and

      2.    the total of all Premium payments made, less any partial
            withdrawals, is less than $[2,000]; and

      3.    the Contract Value is less than $[2,000].]

PREMIUMS

Initial Premium:                                                    $[         ]

     Initial Net Premium:  $[         ]

Allocation of Initial Net Premium:

      [On the Contract Date, the Initial Net Premium will be allocated as shown
      in the Investment Options section of this Contract Schedule.]

Allocation of Additional Net Premiums:

      [Additional Net Premiums will be allocated at the end of the Valuation
      Period during which the Additional Premium payment is received and
      accepted at Our Service Center. Additional Net Premiums will be allocated
      according to any instructions the Owner provides at the time of such
      Premium payment, or, if none are received, according to the allocation
      instructions We have on file, subject to any allocation requirements
      imposed by Us.]

We reserve the right to impose restrictions on allocations of Premiums.

Premium Load - See the Fees and Charges section of this Contract Schedule.

PREMIUM REQUIREMENTS AND LIMITATIONS

Minimum Additional Premiums:                                          $[     50]

Maximum Total Premium Limit:

      [This limit applies to each Owner based on that Owner's age on the date of
      each Premium payment (the Annuitant's age if the Owner is a non-natural
      person).

            If an Owner is under age [70]: The total of all Premiums paid under
            this Contract and any other annuity contract(s) issued by Us, or by
            an affiliated insurance company, to that Owner is limited to $
            [1,000,000] without Our prior approval.

            If an Owner is age [70] or over: The total of all Premiums paid
            under this Contract and any other annuity contract(s) issued by Us,
            or by an affiliated insurance company, to that Owner is limited to $
            [500,000] without Our prior approval.]

[No additional Premiums can be paid on or after the Owner's (or older
Co-Owner's) age [85].]

We reserve the right to refuse to accept any Premium payment.

                                     - 5B -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

INVESTMENT OPTIONS

Separate Account: [Merrill Lynch Life Variable Annuity Separate Account [A]   ]

Allocation Guidelines and Restrictions:

      [1.]  [At any one time, Net Premiums and Account Value may be allocated
            among up to [20] of the available subaccounts.]

      [2.]  [All allocations must be in whole percentages.]

      [3.]  [The minimum amount which may be allocated to any subaccount is
            [$1,000].]

      [4.]  We reserve the right to impose restrictions on allocations to
            certain subaccounts.

<TABLE>
<CAPTION>
                                         Current
                                       Asset-Based
                                        Insurance      Allocation
Investment Category     Subaccount       Charge        Percentage
-------------------     ----------     -----------     ----------
<S>                     <C>            <C>             <C>
[Large Cap Value]         [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%

[Large Cap Growth]        [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%

[Mid & Small Cap]         [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
                          [ X  ]         [xxx]%          [xxx]%
</TABLE>

                                     - 5C -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

INVESTMENT OPTIONS (CONTINUED)

<TABLE>
<CAPTION>
                                         Current
                                       Asset-Based
                                        Insurance      Allocation
Investment Category     Subaccount       Charge        Percentage
-------------------     ----------     -----------     ----------
<S>                     <C>            <C>             <C>
[International]           [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%

[Money Market]            [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%

[Fixed Income]            [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%

[Other]                   [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%
                          [ X  ]          [xxx]%         [xxx]%

                            Total                          100%
</TABLE>

                                     - 5D -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

FEES AND CHARGES

Asset-Based Insurance Charge:

             Current Annual            [see table in Investment Options section]
             Maximum Annual            [2.00] %

      [The daily Asset-Based Insurance Charge is [1/365th of the annual charge].
      The Asset-Based Insurance Charge will be deducted daily in the
      determination of the Net Investment Factor for each subaccount.]

      We reserve the right to apply different current Asset-Based Insurance
      Charges to designated subaccounts.

      The current asset-based insurance charge that applies to each subaccount
      on the Contract Date is shown in the table in the Investment Options
      section above.

Contract Fee:

             [Current [$50]            Maximum [$75]

      [If, on a Contract Anniversary on or prior to the Annuity Date, or on the
      date of a full withdrawal, or on the Annuity Date, both the Contract Value
      and Premiums less withdrawals, are less than $[50,000], We will deduct a
      Contract Fee.]

      [The fee will be deducted from each subaccount in the ratio of your
      interest in each subaccount to your Account Value.]

      We reserve the right not to deduct a Contract Fee from designated
      subaccounts which may be made available in the future.]

Premium Tax Charge:

      [Any charges made by Us attributable to premium taxes imposed by a state
      or other governmental unit will be deducted at the Annuity Date. In those
      jurisdictions that do not allow Us to reduce our current taxable premium
      income by the amount of any withdrawal or death benefit, We will also
      deduct a charge for those taxes on any withdrawal or death benefit paid
      under this Contract.]

Premium Load:

             [None]

Transfer Fee:

             [Current $ [25]           Maximum $ [30]

      [A Transfer Fee will be collected for each transfer in a Contract Year in
      excess of the number of transfers allowed without a fee as shown in the
      Transfers section of this Contract Schedule.]

      [The Transfer Fee will be deducted from each transfer in the ratio of the
      amount transferred from each subaccount to the total amount transferred
      prior to the deduction of the Transfer Fee.]]

                                     - 5E -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

FEES AND CHARGES (CONTINUED)

Redemption Fee:

      We reserve the right to impose a Redemption Fee, or to collect any
      Redemption Fee imposed by any Fund, or as required by any regulatory
      authority.

Surrender Charge:

      [A Surrender Charge may apply upon:

            (i)   a partial or full withdrawal of the Surrender Value; or

            (ii)  application of a portion or all of the Annuity Value to an
                  Annuity Option.

      The Surrender Charge is a percentage of the amount of each Premium
      withdrawn in excess of the Free Withdrawal Amount described in this
      Contract Schedule. The applicable Surrender Charge for each Premium is
      determined as follows:

<TABLE>
<CAPTION>
[Number of Complete          Surrender
  Years Since the             Charge
  Premium Payment           Percentage
-------------------         ----------
<S>                         <C>
    less than 1                 7%
         1                      6%
         2                      5%
         3                      4%
         4                      3%
         5                      2%
         6                      1%
         7+                     0%  ]
</TABLE>

      For a full withdrawal, the Surrender Charge will be deducted from the
      Contract Value prior to payment of the Surrender Value. [For partial
      withdrawals, unless you specify otherwise, the Surrender Charge will be
      deducted from the requested withdrawal amount prior to payment.]

      For the purpose of determining the Surrender Charge, partial and full
      withdrawals in a Contract Year assume Gain is withdrawn first, followed by
      Premiums on a First-In, First-Out (FIFO) basis.

      Gain is the excess, if any, of (i) over (ii) where:

            (i)   is the Contract Value just prior to the withdrawal; and

            (ii)  is the sum of all Premiums paid less any prior withdrawal of
                  those Premiums.

      We reserve the right not to deduct the Surrender Charge from designated
      subaccounts which may be made available in the future. ]

                                     - 5F -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

FEES AND CHARGES (CONTINUED)

Free Withdrawal Amount:

      [Each Contract Year, You may withdraw a portion of Your Contract Value
      without deduction of a Surrender Charge. This amount is known as the Free
      Withdrawal Amount. The Free Withdrawal Amount available each Contract Year
      is [the greater of (i) or (ii) where:

            (i)   is (a) less (b), where:

                  (a)   is the sum of: [10]% of each Premium subject to a
                        Surrender Charge, but not greater than the Remaining
                        Premium as of the beginning of the Contract Year; and

                  (b)   is any prior withdrawals during the Contract Year; and

            (ii)  is Gain in the Contract, plus Remaining Premiums no longer
                  subject to a Surrender Charge.

      Remaining Premium is the Premium less prior withdrawals of that Premium.

      Gain is defined in the Surrender Charge section of this Contract
      Schedule.] ]

Other Contract Charges: [None]

Optional Rider Charges: If You have elected any optional Rider, the charges for
                        such Rider are described on the Contract Schedule page
                        applicable to that Rider.

CONTRACT CREDITS

                        [None]

                                     - 5G -
<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

TRANSFERS

Requirements and Limitations:

      [No transfers allowed during the first [14 days] following the Contract
      Date.]

      Number of transfers allowed each Contract Year before the Transfer Fee
      applies:                                                            [ 12 ]

      [Minimum Transfer Amount:

      The minimum amount of a transfer, from one or multiple subaccounts, is
      $[1,000] or the remaining Account Value in a subaccount, if less than
      $[1,000]. ]

      Minimum Value in a subaccount after a transfer:                  $ [1,000]

      We reserve the right to impose additional limitations on Your ability to
      make transfers to or from designated subaccounts which may be made
      available in the future.

      We reserve the right, in accordance with applicable law, to modify or
      terminate the transfer privilege at any time. The right to make any
      transfer will be limited by any requirements and limitations in effect at
      the time of such transfer.

Transfer Fee - See the Fees and Charges section of this Contract Schedule.

Redemption Fee - See the Fees and Charges section of this Contract Schedule.

WITHDRAWALS

Requirements and Limitations:

      Minimum Withdrawal Amount:                                       $   [100]

      Minimum Surrender Value after a partial withdrawal:              $ [5,000]

      We reserve the right to impose additional limitations on Your ability to
      take withdrawals from designated subaccounts which may be made available
      in the future.

Deduction of Partial Withdrawals:

      [Unless you specify otherwise or unless restrictions apply, partial
      withdrawals will be deducted from each subaccount in the ratio of your
      interest in each subaccount to your Account Value.]

Surrender Charge - See the Fees and Charges section of this Contract Schedule.

Free Withdrawal Amount - See the Fees and Charges section of this Contract
Schedule.

                                     - 5H -
<PAGE>

                                CONTRACT SCHEDULE

                                                  Contract Number: [%999999999]

DEATH BENEFIT INFORMATION

Eligible Spousal Beneficiary:          A spousal Beneficiary [whose age as of
                                       the Contract Date was not greater than
                                       the Maximum Owner Age shown on this
                                       Contract Schedule]

Death Benefit Payment Election Period: [60] days from our receipt of a certified
                                       death certificate or other legal proof of
                                       death acceptable to Us

Default Death Benefit Payment Option:
  For an Eligible Spousal Beneficiary  [Spousal Beneficiary Continuation Option]
  For any other Beneficiary            [Payment Option 1- Lump Sum Payment]

ANNUITY PERIOD INFORMATION

Requirements and Limitations:

      The Annuity Date may not be later than the Maturity Date.

      [The Annuity Date may not be earlier than the [first] Contract
      Anniversary.]

      [A change of Annuitant may not cause the Maturity Date to be later than
      the Maturity Date established on the Contract Date.]

Annuity Date:                                                    [ Jan 1, 2045 ]

Maturity Age:                                                             [ 95 ]

Maturity Date:                                                   [ Jan 1, 2045 ]

      [The Maturity Date is the birthday on which the oldest Annuitant reaches
      the Maturity Age.]

Guaranteed Payout Rates:

      [The guaranteed payout rates will be based on the Annuitant's Adjusted
      Age, the Guaranteed Mortality Table, if applicable, and the Guaranteed
      Interest Rate.

      Adjusted Age: For Annuity Dates from [January 1, 2025] through [December
      31, 2034], the Annuitant's Adjusted Age will be his/her actual age reduced
      by [one year]. For each subsequent [10 year] period, the Adjusted Age for
      the prior [10 year] period will be reduced by [an additional year].

For example:

<TABLE>
<CAPTION>
           ANNUITY DATE                          ADJUSTED AGE
           ------------                          ------------
<S>                                    <C>
before Dec. 31, 2024                   actual age
Jan. 1, 2025 through Dec. 31, 2034     subtract 1 year from actual age
Jan. 1, 2035 through Dec. 31, 2044     subtract 2 years from actual age
Jan. 1, 2045 through Dec. 31, 2054     subtract 3 years from actual age
Jan. 1, 2055 through Dec. 31, 2064     subtract 4 years from actual age  ]
</TABLE>

      Guaranteed Mortality Table: [Annuity 2000 Mortality Table projected to
      year 2025 under Scale G.]

      Guaranteed Interest Rate: [1.50%]

                                     - 5I -

<PAGE>

                                CONTRACT SCHEDULE

                                                 Contract Number: [%999999999]

ANNUITY PERIOD INFORMATION (CONTINUED)

Minimum Annuity Payment:                                               $    [20]

Minimum Annuity Value:                                                 $ [2,000]

Default Annuity Option:

  For a single Annuitant -   [Option 2 - Life Annuity with Payments Guaranteed
                             10 Years]
  For Joint Annuitants -     [Option 4 - Joint and Survivor Life Annuity with
                             Payments Guaranteed 10 Years]

Present Value Interest Rate: [The interest rate We use on the Annuity Date to
                             compute the amount of  the annuity payments]

ENDORSEMENTS AND RIDERS ATTACHED TO THIS CONTRACT

       [None]
       [Bonus Endorsement]
       [Guaranteed Minimum Death Benefit Rider - Return of Premium]
       [Guaranteed Minimum Death Benefit Rider - Maximum Anniversary Value]
       [Guaranteed Minimum Death Benefit Rider - Roll-Up]
       [Guaranteed Minimum Death Benefit Rider - Greater of Maximum Anniversary
                                                 Value and Roll-Up]
       [Additional Death Benefit Rider]
       [Guaranteed Minimum Income Benefit Rider]
       [Spousal Beneficiary Continuation Option Endorsement]

                                     - 5J -
<PAGE>

                                CONTRACT SCHEDULE

                       THIS PAGE INTENTIONALLY LEFT BLANK.

{NOTE TO JAX: This is an optional page to be used only when needed to provide an
even number of schedule pages.}

                                     - 5K -<PAGE>
                                                                  [EXHIBIT 4(g)]

                      MERRILL LYNCH LIFE INSURANCE COMPANY

                GUARANTEED MINIMUM INCOME BENEFIT ("GMIB") RIDER

This Rider is part of the Contract to which it is attached (the "Base Contract")
and is subject to all the terms and conditions of the Base Contract. The
provisions of this Rider control over any contrary provisions of the Base
Contract.

If the Contract has Joint Annuitants, all references to "age" refer to the
oldest Annuitant's age. If the Owner is a non-natural person, all references to
Owner shall mean Annuitant.

The GMIB Effective Date is shown on the GMIB Rider page of the Contract Schedule
("GMIB Rider Schedule").

This Rider is only available if, on the GMIB Effective Date, the Annuitant is
not older than the Maximum Age for GMIB Rider. The Maximum Age for GMIB Rider is
shown on the GMIB Rider Schedule.

You may not cancel this Rider. It can only be terminated as described in the
Termination Provision of this Rider.

GUARANTEED MINIMUM INCOME BENEFIT: This Rider provides the option to receive
payment of a guaranteed minimum monthly fixed income (the GMIB Amount) during
the lifetime of the Annuitant (or Joint Annuitants, if applicable), subject to
the Conditions for Exercising GMIB described below.

We determine the GMIB Amount as follows:

     As of the date You exercise GMIB, We determine the GMIB Base. How the GMIB
     Base is determined and the periods used to calculate the GMIB Base are
     described on the GMIB Rider Schedule. We deduct any applicable premium
     taxes from the GMIB Base. We apply the remaining amount to the GMIB Annuity
     Option Payout Rates for the Annuity Option you select based on the age and
     sex (where permissible) of the Annuitant (and Joint Annuitant, if
     applicable). The GMIB Annuity Option Payout Rates are attached to this
     Rider.

We then apply the Annuity Value attributable to Your interest in Excluded
Accounts on the date You exercise GMIB, using the Annuity Option You select, to
the current payout rates. We add that amount to the GMIB Amount. If this total
monthly income is less than the monthly income determined by applying the
Annuity Value to the current payout rates, we will pay the greater monthly
income amount.

Excluded Accounts are shown on the GMIB Rider Schedule.

If there is a change of Annuitant and this Rider continues in effect, the
periods used to calculate the GMIB Base may be reduced as described under GMIB
Base on the GMIB Rider Schedule.

                                     - 1 -

<PAGE>

CONDITIONS FOR EXERCISING GMIB: In order to receive the GMIB Amount under this
Rider you must:

      (1)   exercise GMIB during an Exercise Period described on the GMIB Rider
            Schedule; and

      (2)   apply your entire GMIB Base under one of the Annuity Options
            available on exercise of GMIB. The Annuity Options available on
            exercise of GMIB are listed on the GMIB Rider Schedule and are
            described in the Base Contract.

If the Annuitant is changed and on the GMIB Effective Date the new Annuitant was
older than the Annuitant used to determine the GMIB Exercise Period prior to the
change of Annuitant, We will recalculate the GMIB Exercise Period based on the
new Annuitant's age on the GMIB Effective Date.

ALLOCATION GUIDELINES AND RESTRICTIONS: Additional Allocation Guidelines and
Restrictions may apply as described on the GMIB Rider Schedule. The consequences
of non-compliance with such Allocation Guidelines and Restrictions are described
on the GMIB Rider Schedule.

GMIB CHARGE: The current and maximum GMIB Charge Percentage, how the charge is
determined, and when and how it is collected are described on the GMIB Rider
Schedule. The current GMIB Charge may change but it will never exceed the
maximum GMIB Charge shown on the GMIB Rider Schedule.

TERMINATION:  This Rider will terminate upon the earliest of:

      (i)   a change of Annuitant resulting in termination as described under
            Change of Annuitant on the GMIB Rider Schedule; or

      (ii)  exercise of GMIB under this Rider; or

      (iii) application of all of the Annuity Value to an Annuity Option on the
            Annuity Date; or

      (iv)  the expiration of the GMIB Exercise Period; or

      (v)   receipt of Due Proof of Death (unless from an Eligible Spousal
            Beneficiary who continues the Base Contract and qualifies for
            continuation of this Rider); or

      (vi)  termination of the Base Contract.

                                          MERRILL LYNCH LIFE INSURANCE COMPANY

                                          By: /s/ Lori M. Salvo
                                              ---------------------------------
                                                         Secretary

                                     - 2 -

<PAGE>

                      MERRILL LYNCH LIFE INSURANCE COMPANY

                        GMIB ANNUITY OPTION PAYOUT RATES
                        --------------------------------
                AMOUNT OF MONTHLY PAYMENT PER $1000 OF GMIB BASE

Annuity payout rates are based on the Annuity 2000 Table with a 5-year age
setback and interest at an annual rate of 2-1/2%. Information for ages not shown
will be furnished upon request.

OPTION 1: LIFE ANNUITY

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT    FEMALE      MALE
---------    ------      ----
<S>          <C>         <C>
   50         3.28       3.49
   51         3.33       3.54
   52         3.38       3.60
   53         3.43       3.66
   54         3.49       3.72
   55         3.54       3.79
   56         3.60       3.86
   57         3.66       3.93
   58         3.73       4.01
   59         3.80       4.09
   60         3.87       4.18
   61         3.95       4.27
   62         4.03       4.37
   63         4.12       4.47
   64         4.21       4.58
   65         4.31       4.69
   66         4.41       4.82
   67         4.52       4.95
   68         4.64       5.09
   69         4.77       5.24
   70         4.90       5.40
   71         5.04       5.57
   72         5.20       5.76
   73         5.36       5.95
   74         5.54       6.16
   75         5.73       6.38
   76         5.94       6.62
   77         6.16       6.87
   78         6.40       7.14
   79         6.66       7.42
   80         6.94       7.73
   81         7.24       8.05
   82         7.57       8.40
   83         7.93       8.78
   84         8.31       9.18
   85         8.73       9.61
</TABLE>

OPTION 2: LIFE ANNUITY WITH PAYMENTS GUARANTEED FOR 10 YEARS

<TABLE>
<CAPTION>
 AGE OF
ANNUITANT    FEMALE      MALE
---------    ------      ----
<S>          <C>         <C>
   50         3.28       3.47
   51         3.32       3.53
   52         3.37       3.58
   53         3.42       3.64
   54         3.47       3.70
   55         3.53       3.76
   56         3.59       3.83
   57         3.65       3.90
   58         3.71       3.97
   59         3.78       4.05
   60         3.85       4.13
   61         3.92       4.22
   62         4.00       4.31
   63         4.08       4.40
   64         4.17       4.50
   65         4.26       4.61
   66         4.36       4.72
   67         4.46       4.83
   68         4.57       4.95
   69         4.68       5.08
   70         4.80       5.21
   71         4.93       5.35
   72         5.07       5.50
   73         5.21       5.65
   74         5.36       5.80
   75         5.51       5.96
   76         5.68       6.13
   77         5.85       6.30
   78         6.03       6.47
   79         6.22       6.65
   80         6.41       6.82
   81         6.61       7.00
   82         6.81       7.18
   83         7.01       7.36
   84         7.21       7.53
   85         7.42       7.70
</TABLE>

                                     - 3 -

<PAGE>

OPTION 3: JOINT AND SURVIVOR LIFE ANNUITY

<TABLE>
<CAPTION>
FEMALE                                                     MALE AGE
 AGE           50            55           60           65           70           75           80            85
------        ----          ----         ----         ----         ----         ----         ----          ----
<S>           <C>           <C>          <C>          <C>          <C>          <C>          <C>           <C>
  50          3.05          3.11         3.16         3.20         3.23         3.25         3.26          3.27
  55          3.15          3.24         3.33         3.40         3.45         3.48         3.51          3.52
  60          3.23          3.37         3.50         3.61         3.70         3.76         3.80          3.83
  65          3.31          3.49         3.66         3.83         3.98         4.09         4.18          4.23
  70          3.37          3.58         3.81         4.05         4.28         4.48         4.63          4.74
  75          3.41          3.65         3.93         4.25         4.58         4.90         5.17          5.38
  80          3.44          3.70         4.03         4.41         4.84         5.31         5.76          6.15
  85          3.46          3.74         4.09         4.52         5.05         5.67         6.34          6.99
</TABLE>

OPTION 4: JOINT AND SURVIVOR LIFE ANNUITY WITH PAYMENTS GUARANTEED FOR 10 YEARS

<TABLE>
<CAPTION>
FEMALE                                                     MALE AGE
 AGE           50            55           60           65           70           75           80            85
------        ----          ----         ----         ----         ----         ----         ----          ----
<S>           <C>           <C>          <C>          <C>          <C>          <C>          <C>           <C>
  50          3.05          3.11         3.16         3.20         3.23         3.25         3.26          3.27
  55          3.15          3.24         3.33         3.40         3.45         3.48         3.50          3.52
  60          3.23          3.37         3.50         3.61         3.70         3.76         3.80          3.82
  65          3.31          3.48         3.66         3.83         3.98         4.09         4.17          4.21
  70          3.36          3.58         3.81         4.05         4.27         4.47         4.61          4.71
  75          3.41          3.65         3.93         4.24         4.56         4.87         5.12          5.31
  80          3.44          3.70         4.02         4.39         4.82         5.26         5.67          5.99
  85          3.45          3.73         4.08         4.50         5.01         5.58         6.15          6.66
</TABLE>

                                     - 4 -

<PAGE>
GMIB RIDER SCHEDULE
--------------------------------------------------------------------------------

GMIB EFFECTIVE DATE:                    [January 3, 2005]

MAXIMUM AGE FOR GMIB RIDER:             [75]

GMIB BASE:

     THE GMIB BASE IS USED SOLELY TO DETERMINE THE GUARANTEED MINIMUM INCOME
     BENEFIT AND DOES NOT ESTABLISH OR GUARANTEE A CONTRACT VALUE, CASH VALUE,
     MINIMUM DEATH BENEFIT OR MINIMUM RETURN FOR ANY INVESTMENT OPTION.

          The GMIB Base is the greater of the GMIB Maximum Anniversary Value
          (MAV)Base and the GMIB Roll-Up Base.

          GMIB MAV BASE: The GMIB MAV Base is equal to the greatest of the
          anniversary values. [The GMIB MAV Base is limited to [[200]% of
          Premium payments allocated to and all amounts transferred into, any
          [subaccounts] other than Excluded Accounts, less "adjusted"
          withdrawals from, and all amounts transferred from any [subaccounts]
          other than Excluded Accounts].]

          An anniversary value is equal to (a) plus (b) minus (c), but not less
          than zero, where:

               (a)  is the Contract Value less the value of Your interest in
                    Excluded Accounts on the GMIB Effective Date or on a
                    Contract Anniversary;

               (b)  is the sum of all Additional Premiums allocated to, and all
                    amounts transferred into, any [subaccounts] other than
                    Excluded Accounts since that date; and

               (c)  is the sum of all "adjusted" withdrawals from, and all
                    amounts transferred from, any [subaccounts] other than
                    Excluded Accounts, since that date.

          We will calculate an anniversary value on the GMIB Effective Date and
          on each Contract Anniversary thereafter through the earlier of the
          GMIB MAV Base Limitation Date and the date You exercise GMIB.

          Each "adjusted" withdrawal is equal to the amount of such withdrawal
          from any [subaccounts] other than Excluded Accounts multiplied by (a)
          and divided by (b), where:

               (a)  is the GMIB MAV Base immediately prior to the withdrawal;
                    and

               (b)  is the [Account Value] less any amounts in Excluded Accounts
                    immediately prior to the withdrawal.

          The GMIB MAV BASE LIMITATION DATE is [the Contract Anniversary on or
          following the oldest Annuitant's [80th] birthday.]

          If there is a change of Annuitant and this Rider continues in effect,
          the GMIB MAV Base Limitation Date will be reset based on the new
          Annuitant's age if the following two conditions apply:

               (i)  on the GMIB Effective Date the new Annuitant was older than
                    the Annuitant whose age was used to determine the GMIB MAV
                    Base Limitation Date immediately prior to the change of
                    Annuitant; and

               (ii) the GMIB MAV Base Limitation Date immediately prior to the
                    change of Annuitant is later than the date of the change of
                    Annuitant.

          The GMIB MAV Base Limitation Date will not be reset to a date which is
          earlier than the date of the change of Annuitant.

<PAGE>

GMIB RIDER SCHEDULE (CONTINUED)
--------------------------------------------------------------------------------

          GMIB ROLL-UP BASE: The GMIB Roll-Up Base is equal to the sum of GMIB
          Roll-Up Base A and GMIB Roll-Up Base B.

          GMIB ROLL-UP BASE A: GMIB Roll-Up Base A is equal to (a) plus (b)
          minus (c), but not less than zero, where:

               (a)  is the amount of [Initial Premium] allocated to any of the
                    [subaccounts], other than Restricted Accounts or Excluded
                    Accounts shown below, with interest compounded daily from
                    the GMIB Effective Date at an annual rate of [5]%; and

               (b)  is the sum of all Additional Premiums allocated to, and all
                    amounts transferred into, any [subaccounts], other than
                    Restricted Accounts or Excluded Accounts, since the GMIB
                    Effective Date, with interest compounded daily from the
                    Contract Anniversary on or following the effective date of
                    each Additional Premium payment or transfer at an annual
                    rate of [5]%; and

               (c)  is the sum of all "adjusted" withdrawals from, and all
                    amounts transferred from any [subaccounts], other than
                    Restricted Accounts or Excluded Accounts, since the GMIB
                    Effective Date, with interest compounded daily from the
                    Contract Anniversary on or following the effective date of
                    each withdrawal or transfer at an annual rate of [5]%.

          Each "adjusted" withdrawal is equal to the amount of such withdrawal
          from any [subaccounts], other than Restricted Accounts or Excluded
          Accounts, multiplied by an adjustment factor:

               (1)  if the total of all withdrawals from any [subaccounts],
                    other than Restricted Accounts or Excluded Accounts, during
                    the Contract Year, including the amount of the requested
                    withdrawal, is less than or equal to [5]% times GMIB Roll-Up
                    Base A as of the beginning of the Contract Year, the
                    adjustment factor is 1.0; or

               (2)  if the total of all withdrawals from [subaccounts], other
                    than Restricted Accounts or Excluded Accounts, including the
                    amount of the requested withdrawal, is greater than [5]%
                    times GMIB Roll-Up Base A as of the beginning of the
                    Contract Year, the adjustment factor is (a) divided by (b)
                    where:

                    (a)  is GMIB Roll-Up Base A immediately prior to such
                         withdrawal; and

                    (b)  is the [Account Value] less any amounts in Restricted
                         Accounts or Excluded Accounts, immediately prior to
                         such withdrawal.

          GMIB ROLL-UP BASE B: GMIB Roll-Up Base B is equal to (a) plus (b)
          minus (c), but not less than zero, where:

               (a)  is the amount of [Initial Premium] allocated to any
                    Restricted Accounts with interest compounded daily from the
                    GMIB Effective Date at an annual rate of [3]%; and

               (b)  is the sum of all Additional Premiums allocated to, and all
                    amounts transferred into, any Restricted Accounts since the
                    GMIB Effective Date, with interest compounded daily from the
                    Contract Anniversary on or following the effective date of
                    each Additional Premium payment or transfer at an annual
                    rate of [3]%; and

<PAGE>

GMIB RIDER SCHEDULE (CONTINUED)
--------------------------------------------------------------------------------

               (c)  is the sum of all "adjusted" withdrawals from, and all
                    amounts transferred from any Restricted Accounts since the
                    GMIB Effective Date, with interest compounded daily from the
                    Contract Anniversary on or following the effective date of
                    each withdrawal or transfer at an annual rate of [3]%.

          Each "adjusted" withdrawal is equal to the amount of such withdrawal
          from any Restricted Accounts, multiplied by an adjustment factor:

               (1)  if the total of all withdrawals from any Restricted Accounts
                    during the Contract Year, including the amount of the
                    requested withdrawal, is less than or equal to [3]% times
                    GMIB Roll-Up Base B as of the beginning of the Contract
                    Year, the adjustment factor is 1.0; or

               (2)  if the total of all withdrawals from any Restricted
                    Accounts, including the amount of the requested withdrawal,
                    is greater than [3]% times GMIB Roll-Up Base B as of the
                    beginning of the Contract Year, the adjustment factor is (a)
                    divided by (b) where:

                    (a)  is GMIB Roll-Up Base B immediately prior to such
                         withdrawal; and

                    (b)  is the [Account Value] in any Restricted Accounts,
                         immediately prior to such withdrawal.

          For purposes of compounding interest in GMIB Roll-up Base A and GMIB
          Roll-up Base B above, such interest shall accrue until the earlier of
          the GMIB Roll-Up Base Limitation Date or the date You exercise GMIB.
          No interest shall accrue thereafter.

          The GMIB ROLL-UP BASE LIMITATION DATE is [the earlier of the [15th]
          Contract Anniversary or the Contract Anniversary on or following the
          oldest Annuitant's [80th] birthday.]

          If there is a change of Annuitant and this Rider continues in effect,
          the GMIB Roll-Up Base Limitation Date will be reset based on the new
          Annuitant's age if the following two conditions apply:

               (a)  on the GMIB Effective Date the new Annuitant was older than
                    the Annuitant whose age was used to determine the GMIB
                    Roll-Up Base Limitation Date immediately prior to the change
                    of Annuitant; and

               (b)  the GMIB Roll-Up Base Limitation Date immediately prior to
                    the change of Annuitant is later than the date of the change
                    of Annuitant.

          The GMIB Roll-Up Base Limitation Date will not be reset to a date
          which is earlier than the date of the change of Annuitant.

     GMIB EXERCISE PERIOD:

          You may exercise GMIB on or during the [30 day] period following each
          Contract Anniversary beginning with the First Exercise Anniversary
          Date and ending with the Last Exercise Anniversary Date.

          FIRST EXERCISE ANNIVERSARY DATE:        [January 3, 2015]

               The [10th] Contract Anniversary.

          LAST EXERCISE ANNIVERSARY DATE:         [January 3, 2025]

               The Contract Anniversary on or following the oldest Annuitant's
               [85th] birthday.

<PAGE>

GMIB RIDER SCHEDULE (CONTINUED)
--------------------------------------------------------------------------------

          LAST EXERCISE DATE:                     [February 2, 2025]

               The [30th day] following the Last Exercise Anniversary Date.

         ANNUITY OPTIONS AVAILABLE ON EXERCISE OF GMIB:

               [Life Annuity]
               [Joint and Survivor Life Annuity]
               [Life Annuity with Payments Guaranteed for [10] Years]
               [Joint and Survivor Life Annuity with Payments Guaranteed for
               [10] Years]

RESTRICTED ACCOUNTS:

          [All subaccounts in the Fixed Income Investment Category]
          [All subaccounts in the Money Market Investment Category]

          We reserve the right to add or delete a [subaccount] from the list of
          Restricted Accounts if such [subaccount] is added or deleted as an
          investment option.

EXCLUDED ACCOUNTS:

          [None]

          We reserve the right to add or delete a [subaccount] from the list of
          Excluded Accounts if such [subaccount] is added or deleted as an
          investment option.

CHANGE OF ANNUITANT:

          If there is a change of Annuitant, this Rider will terminate unless
          the Annuitant is changed under any of the circumstances described
          below:

               [(i) the Annuitant is changed to a person who, on the GMIB
                    Effective Date, was not older than the Maximum Age for GMIB
                    Rider; or

               (ii) the Annuitant is changed to an Eligible Spousal Beneficiary
                    who, on the Spousal Continuation Date, was not older than
                    the Maximum Age for GMIB Rider.]

          [If there is a change of Annuitant, this Rider will terminate if the
          recalculated Last Exercise Date is earlier than the date of the change
          of Annuitant.]

ALLOCATION GUIDELINES AND RESTRICTIONS:

          [There are currently no additional Allocation Guidelines and
          Restrictions applicable to this Rider.

          However, We reserve the right to require the following:

               (1)  You must participate in a [quarterly] Rebalancing Program.
                    Under this program, We allocate Your Premiums in accordance
                    with the subaccounts and percentages You select which must
                    meet the requirements specified in (2) below. On each
                    [Quarterversary] We automatically reallocate Your Account
                    Value to maintain the percentage allocation among the
                    subaccounts You select.

<PAGE>

GMIB RIDER SCHEDULE (CONTINUED)
--------------------------------------------------------------------------------

               (2)  The [subaccounts] and corresponding percentages must meet
                    the following allocation guidelines:

                    You may not allocate less than [35]%, or more than [85]% to
                    subaccounts in any one or more of the following Investment
                    Categories:

                         [Large Cap Value]
                         [Large Cap Growth]
                         [Mid & Small Cap]
                         [International]

                    If You make a transfer and We determine that as a result of
                    such transfer the allocation of Your [Account Value] does
                    not comply with these requirements, We will, at the end of
                    the Valuation Period that We make such determination,
                    rebalance Your [Account Value] in accordance with Your
                    [quarterly] rebalancing allocations.

               (3)  We will provide [90 days] advance notice of Our intent to
                    impose these requirements. If by the end of such [90 day]
                    period You do not provide the information necessary to
                    participate in the Rebalancing Program which meets the
                    allocation requirements described above, We will increase
                    your current GMIB Charge Percentage. The current GMIB Charge
                    Percentage cannot exceed the maximum GMIB Charge Percentage
                    shown below.]

GMIB CHARGE:

                                        Current                 Maximum
                                        -------                 -------
          GMIB Charge Percentage:      [0.50% annually]        [0.90% annually]

          [The  GMIB Charge is calculated on each Monthaversary as follows:

               (i)   the GMIB Base is determined on the Monthaversary;

               (ii)  that amount is multiplied by the current GMIB Charge
                     Percentage;

               (iii) the resulting amount is divided by 12.

          The sum of the GMIB Charges calculated on each of the three preceding
          Monthaversaries is deducted from the Contract Value on each
          Quarterversary.

          If the GMIB Rider is terminated other than on a Quarterversary, We
          will deduct from the Contract Value any GMIB Charges calculated on any
          prior Monthaversary but not yet collected.]

          [The GMIB Charge is deducted from each [subaccount] in the ratio of
          Your interest in each [subaccount] to Your [Account Value] on the date
          the charge is collected.]

          The [Contract Value] and Surrender Value are reduced by any GMIB
          Charges calculated but not yet collected.

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00070-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00070-of-00352.parquet"}]]