Document:

THE TRAVELERS LIFE AND ANNUITY COMPANY o ONE CITYPLACE o HARTFORD, CONNECTICUT o
                           06103-3415 A STOCK COMPANY

                                       Mailing Address:  Annuity Services
                                                         P.O. Box 990009
                                                         Hartford, CT 06199-0009

 We are pleased to provide You the benefits of this Variable Annuity Contract.
          Please read Your Contract and all attached forms carefully.

                         RIGHT TO EXAMINE THIS CONTRACT

IN ORDER TO CANCEL THIS  CONTRACT,  YOU MUST PROVIDE A WRITTEN  REQUEST AND THIS
CONTRACT TO US AT OUR MAILING  ADDRESS OR TO OUR AGENT  WITHIN 10 CALENDAR  DAYS
AFTER ITS DELIVERY TO YOU. WE WILL PAY YOU THE CONTRACT  VALUE  DETERMINED AS OF
THE NEXT VALUATION DATE AFTER WE RECEIVE THE WRITTEN REQUEST AT OUR OFFICE, PLUS
ANY PREMIUM TAX, AND CONTRACT CHARGES PAID.  AFTER THE CONTRACT IS RETURNED,  IT
WILL BE CONSIDERED AS NEVER IN EFFECT.

This Contract is issued in consideration of the Purchase Payments. It is subject
to the terms and conditions stated on the attached pages, all of which are parts
of it.

                        Executed at Hartford, Connecticut

     /s/ George C. Kokules                             /s/ Ernest J. Wright
           President                                          Secretary

This is a legal Contract between You and Us.       READ YOUR CONTRACT CAREFULLY.

         FLEXIBLE PREMIUM INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACT
                    LIFE ANNUITY COMMENCING AT MATURITY DATE

ELECTIVE OPTIONS                                               NON-PARTICIPATING

         VALUES PROVIDED BY THIS CONTRACT, WHEN BASED ON THE INVESTMENT
      EXPERIENCE OF THE SEPARATE ACCOUNT, ARE VARIABLE AND MAY INCREASE OR
           DECREASE AND ARE NOT GUARANTEED AS TO FIXED DOLLAR AMOUNT.

TL-22386                                                                   01-03
<PAGE>

================================================================================
                                TABLE OF CONTENTS
================================================================================

[Right to Examine this Contract                                       Cover Page

Contract Specifications                                               Page 3

Definitions                                                           Page 5

Ownership, Beneficiary and Annuitant Provisions                       Page 7

Purchase Payment and Valuation Provisions                             Page 8

Death Benefit Provision                                               Page 12

Settlement Provisions                                                 Page 13

General Provisions                                                    Page 15

Annuity Tables                                                        Page 17]

        Any Amendments, Riders or Endorsements follow the Annuity Tables.

                                       2
TL-22386                                                                   01-03
<PAGE>

================================================================================
                             CONTRACT SPECIFICATIONS
================================================================================

CONTRACT NUMBER                     [SPECIMEN]

MARKET TYPE                         [NONQUALIFIED]

OWNER                               [JOHN DOE]

[JOINT OWNER]                       [SUSAN DOE]

ANNUITANT                           [JOHN DOE]

[CONTINGENT ANNUITANT]              [                  ]

CONTRACT DATE                       [JUNE 1, 2003]

MATURITY DATE                       [JUNE 1, 2015]

--------------------------------------------------------------------------------

PURCHASE PAYMENTS:
     MINIMUM INITIAL PURCHASE PAYMENT:  $5,000
     MINIMUM SUBSEQUENT PURCHASE PAYMENT: $500
     MAXIMUM SUM OF INITIAL AND SUBSEQUENT
       PURCHASE PAYMENTS:  $1,000,000 unless We consent to a larger amount.

FIXED ACCOUNT:

MINIMUM GUARANTEED  INTEREST RATE: The Minimum Guaranteed  Interest Rate for the
Fixed Account is 3%.

GUARANTEED INTEREST PERIODS:  The initial interest rate for any Purchase Payment
allocated to the Fixed  Account is  guaranteed  for one year from the date it is
credited to Your  Contract.  Subsequent  renewal rates will be guaranteed  for a
calendar  quarter.  These  guarantees do not apply to any dollar cost  averaging
program offered by Us, or to any other administrative program.

TRANSFERS:  You may transfer up to 15% of the Fixed  Account value to any of the
Funding  Options  twice a year  during  the 30 days  following  the  semi-annual
Contract Date anniversary.

SEPARATE ACCOUNT:

TLAC SEPARATE ACCOUNT EIGHT FOR VARIABLE ANNUITIES

Information  about the Separate  Account and the Funding  Options is provided in
the prospectus for TLAC Separate Account Eight for Variable Annuities.

FUNDING OPTIONS DEDUCTIONS:

The Administrative  Charge and the Mortality and Expense Risk Charge result in a
daily  deduction of .00005342 per Funding  Option.  When  expressed on an annual
basis, assuming a 365-day year, the deduction equals 1.95% per Funding Option.

    Administrative Charge:  .15% on an annual basis
    Mortality and Expense Risk Charge:  1.80% on an annual basis

ANNUAL CONTRACT CHARGE: $30.00

This charge will be assessed annually on the fourth Friday of August.

This charge will not be assessed under the following situations:

          (a)  if Your  Contract  value is  $40,000  or  greater on the date the
               charge is assessed;

          (b)  from any amount in the Fixed Account;

          (c)  distribution of proceeds due to death; or

          (d)  after an Annuity payout has begun.

                                       3
TL-22386                                                                   01-03
<PAGE>

================================================================================
                             CONTRACT SPECIFICATIONS
================================================================================

WITHDRAWAL  CHARGE:  The Withdrawal  Charge is calculated as a percentage of the
Purchase Payments  withdrawn on a first-in,  first-out basis. For the purpose of
determining the withdrawal  charge, the order of withdrawal will be deemed to be
taken from (a) any  Purchase  Payments  that are not  subject to the  withdrawal
charge;  (b) next from any  remaining  free  withdrawal  allowance (as described
below) after the reduction by the amount of (a); (c) next from Purchase Payments
still subject to a withdrawal charge (on a first-in,  first-out basis); and then
from (d) from  Contract  earnings.  Any free  withdrawals  taken will not reduce
Purchase Payments still subject to the withdrawal charge.

             NUMBER OF YEARS SINCE A
             PURCHASE PAYMENT WAS APPLIED           WITHDRAWAL CHARGE PERCENTAGE
             ----------------------------           ----------------------------

    GREATER THAN OR EQUAL TO     BUT LESS THAN
    ------------------------     -------------

               0 years              1 years                     6.0%
               1 years              2 years                     5.0%
               2 years              3 years                     4.0%
               3 years              4 years                     3.0%
               4+ years                                         0.0%

DEDUCTIONS NOT SUBJECT TO A WITHDRAWAL CHARGE:

We will not deduct a withdrawal charge under this Contract due to:

          (a)  death of the Contract  owner or the Annuitant  with no Contingent
               Annuitant surviving; or

          (b)  Minimum  Distributions  (as defined by the Internal Revenue Code)
               taken under Our managed  distribution  program  then in effect if
               elected by the owner by a Written Request; or

          (c)  a Life Annuity option has begun; or

          (d)  Payments  for a Fixed  Period  of at  least 5 year  duration  has
               begun.

FREE WITHDRAWAL ALLOWANCE: After the first Contract Year, You may withdraw up to
10 % of Your  Contract  value  annually  without  imposition  of the  withdrawal
charge.  If You have  Purchase  Payments  no longer  subject  to the  withdrawal
charge,  the  maximum You may  withdraw  without  the  withdrawal  charge is the
greater  of:  (a) the free  withdrawal  allowance;  or (b) the  total  amount of
Purchase Payments no longer subject to a withdrawal charge.

NOTE: Any free withdrawal taken will reduce Purchase  Payments no longer subject
to a withdrawal charge. The available amount will be calculated as of the end of
the previous  Contract Year. The free  withdrawal  amount is not cumulative from
year to year. The free withdrawal  allowance  applies to any partial  withdrawal
and to full withdrawals,  except those transferred directly to annuity contracts
issued by unaffiliated carriers and financial institutions.`

TRANSFER  CHARGE:  We  reserve  the right to assess a  transfer  charge of up to
$10.00 on transfers exceeding 12 per year. We will notify You In Writing at Your
last known address at least 31 days prior to the imposition of any such Transfer
Charge.

TERMINATION:  We reserve the right to terminate  this Contract when the Contract
value is less than $2,000 and Purchase  Payments have not been made for at least
two years.

ASSUMED DAILY NET INVESTMENT FACTOR: Upon  annuitization,  the Assumed Daily Net
Investment  Factor for variable payments is 1.000081 for each Funding Option and
1.000041 for fixed  payments.  When  expressed on an annual basis this equals 3%
for variable  payments  and 1.5% for fixed  payments,  assuming a 365-day  year.

                                       4
TL-22386                                                                   01-03
<PAGE>

================================================================================
                                   DEFINITIONS
================================================================================

ACCUMULATION UNIT - an accounting unit of measure used to calculate the value of
this Contract before annuity payments begin.

AGE - age last birthday.

ANNUITANT  - the person on whose life the  Maturity  Date and  annuity  payments
depend.

ANNUITY  UNIT(S) - an accounting  unit of measure used to calculate the value of
annuity payments.

CODE - the Internal  Revenue Code of 1986, as amended,  and all related laws and
regulations, which are in effect during the term of this Contract.

CONTRACT - a Contract that describes the benefits,  rights,  and  obligations of
the owner and Us.

CONTRACT DATE - the date on which the Contract is issued.

CONTRACT YEARS - twelve-month periods beginning with the Contract Date.

DEATH REPORT DATE - the Valuation Date coincident with or next following the day
on which We have received 1) Due Proof of Death and 2) a Written  Request for an
election of a single sum payment or an alternate  Settlement Option as described
in the Contract.

DUE PROOF OF DEATH - 1) a copy of a certified death certificate;  2) a copy of a
certified  decree of a court of  competent  jurisdiction  as to the  finding  of
death; 3) a written statement by a medical doctor who attended the deceased;  or
4) any other proof satisfactory to Us.

FIXED ACCOUNT(S) - an account that consists of the assets (other than those in a
Separate Account) that are part of the General Account of the Company. The Fixed
Account may not always be available under this Contract.

FUNDING  OPTION(S) - that  portion of the assets of a division  of the  Separate
Account,  which is allocated to a particular  Underlying  Fund;  also known as a
Sub-Account.

MATURITY DATE - the date on which the annuity payments are to begin.

MINIMUM  DISTRIBUTIONS - Minimum  amounts that must be distributed  each year in
relation to certain qualified plans under the Code.

NONQUALIFIED  CONTRACT - a Contract other than a Qualified  Contract,  funded by
after-tax contributions.

OUR OFFICE - the Home Office of The  Travelers  Life and Annuity  Company or any
other  office  which We may  designate  for the  purpose of  administering  this
Contract.  All  correspondence  regarding  this  Contract  should be sent to Our
mailing address stated on the cover page of this Contract.

PREMIUM TAX - the amount of tax, if any, charged by a state or municipality.  We
will deduct any  applicable  Premium  Tax from the  Contract  value  either upon
surrender,  annuitization, death, or at the time a Purchase Payment is made, but
no earlier than when We have the liability under state law.

PURCHASE PAYMENT(S) - payments of premium You make to Us under this Contract.

QUALIFIED  CONTRACT - a Contract used in a retirement  plan or program,  whereby
the Purchase  Payments and any gains are intended to qualify under sections 401,
403, 408, and 457 of the Code.

SETTLEMENT OPTION(S) - an annuity option elected under this Contract.

                                       5
TL-22386                                                                   01-03
<PAGE>

SEPARATE  ACCOUNT(S)  -  the  Separate  Account(s)  indicated  in  the  Contract
Specifications,  which We  established  for this class of Contracts  and certain
other Contracts.

TERMINATION - discontinuance of this Contract by Us or by Your Written Request.

UNDERLYING  FUND(S) - an open-end  diversified  management  investment  company,
which serves as a Funding Option under the Separate Account.

VALUATION DATE(S) -a date on which a Funding Option is valued,  generally at the
close of  business  on each day the New York Stock  Exchange is open for trading
(except for when  trading is  restricted  due to an  emergency as defined by the
Securities and Exchange Commission).

VALUATION PERIOD(S) - the period of time between successive Valuation Dates.

WE, US, OUR - The Travelers Life and Annuity Company

WRITTEN  REQUEST  -  written   information   including  requests  for  Contract,
beneficiary,  ownership,  transfers, surrenders or other changes sent to Us in a
form and content  satisfactory  to Us and  received in good order at Our Office.
Requests for changes are subject to any action taken prior to our receipt of the
written information.

YOU, YOUR - the owner, including any joint owner.

                                       6
TL-22386                                                                   01-03
<PAGE>

================================================================================
                 OWNERSHIP, BENEFICIARY AND ANNUITANT PROVISIONS
================================================================================

OWNERSHIP

This Contract  belongs to the owner shown in the Contract  Specifications  or to
any person subsequently named in a Written Request of "Transfer of Ownership" as
provided below. As owner, You have sole power during the Annuitant's lifetime to
exercise any rights and to receive all benefits given in this Contract, provided
You have not named an irrevocable  beneficiary  and provided the Contract is not
assigned.

You will be the  recipient of all payments  while the  Annuitant is alive unless
You direct them to an  alternate  recipient  by Written  Request.  An  alternate
recipient does not become the owner. An alternate payment directive is revocable
by You at any time by giving Us 30 days advance notice by Written Request.

JOINT OWNERS

Joint owners may be named in a Written Request prior to the Contract Date. Joint
owners may independently  exercise transfers between Funding Options.  All other
rights of ownership  must be exercised by joint  action.  Joint owners own equal
shares of any benefits  accruing or payments made to them. All rights of a joint
owner end at death if another joint owner  survives.  The entire interest of the
deceased  joint owner in this Contract  will pass to the surviving  joint owner,
unless the deceased joint owner was also the Annuitant.

If a joint owner dies before payment of an annuity option begins and is survived
by the  Annuitant,  any surviving  joint owner is the  "designated  beneficiary"
referred to in Section 72(s) of the Code,  and his or her rights  pre-empt those
of the beneficiary  named in a Written Request.  Upon the death of a joint owner
who is the Annuitant, the entire interest will pass to the beneficiary(ies).

TRANSFER OF OWNERSHIP

You may transfer ownership by Written Request,  subject to Our approval. You may
not revoke any transfer of ownership  after We receive the Written  Request.  It
will take  effect  subject to any  payments  made or other  actions  taken by Us
before the Written Request is received.

Until a new  beneficiary is designated,  a transfer of ownership does not affect
the interest of any  beneficiary  designated  prior to the effective date of the
transfer.

A transfer of ownership may have tax  consequences  to You;  please consult Your
tax advisor.

ASSIGNMENT

To the extent permitted by law, You may collaterally  assign ownership of all or
a portion of this  Contract  by Written  Request  without  the  approval  of any
beneficiary  unless  irrevocably  named.  You may not  exercise  any  rights  of
ownership  while the  assignment  remains in effect  without the approval of the
collateral assignee.  We are not responsible for the validity of any assignment.
Once We record the  collateral  assignment,  it will take effect  subject to any
payments  made or other  actions  taken by Us  before  the  Written  Request  is
recorded.

If a claim is made based on an  assignment,  We may require proof of interest of
the claimant.  An assignment  takes precedence over any rights of a beneficiary.
Any amounts due under an assignment will be paid in a single sum.

An assignment may have adverse tax  consequences to You; please consult Your tax
advisor.

CREDITOR CLAIMS

To the extent  permitted by law, no right or benefit of the owner or beneficiary
under this  Contract  shall be subject to the claims of  creditors  or any legal
process except as may be provided by an assignment.

BENEFICIARY

The  beneficiary  is the party  named by You in a Written  Request  prior to the
Annuitant's  death.  If the  beneficiary has been  irrevocably  designated,  the
beneficiary cannot be changed without such beneficiary's written consent.

The beneficiary has the right to receive any remaining contractual benefits upon
the death of the Annuitant,  or under certain  circumstances,  upon the death of
the owner. If there is more than one beneficiary  surviving,  the  beneficiaries
will share equally in benefits unless You have indicated  different  shares in a
Written Request. When the Annuitant dies, if You have not named a beneficiary or
if the named  beneficiary is not living, We will pay the death benefit to You or
Your estate.

If a joint  owner dies and is  survived by the  Annuitant  before  payment of an
annuity option begins, any surviving joint owner is the "designated beneficiary"
referred to in Section 72(s) of the Code,  and his or her rights  pre-empt those
of the beneficiary named in a Written Request.

                                       7
TL-22386                                                                   01-03
<PAGE>

ANNUITANT

The Annuitant is the individual  shown in the Contract  Specifications  on whose
life  annuity  payments are made.  The  Annuitant  may not be changed  after the
Contract Date.

CONTINGENT ANNUITANT

You may name one individual as a contingent  Annuitant by Written  Request prior
to the Contract Date, provided the owner is not a trust. A contingent  Annuitant
may not be changed, deleted or added to the Contract after the Contract Date.

If the  Annuitant  (who is not the owner) dies prior to the Maturity  Date while
this Contract is in effect and while the contingent Annuitant is living:

     a.   the death benefit will not be payable upon the Annuitant's death;

     b.   the contingent Annuitant becomes the Annuitant; and

     c.   all other rights and benefits  provided by this Contract will continue
          in effect.

When a contingent Annuitant becomes the Annuitant, the Maturity Date remains the
same as previously in effect, unless otherwise provided.

================================================================================
                    PURCHASE PAYMENT AND VALUATION PROVISIONS
================================================================================

PURCHASE PAYMENT

PURCHASE PAYMENT

A Purchase Payment is any payment You make to this Contract for the benefits it
provides. An initial lump sum Purchase Payment must be made to the Contract and
is due and payable before the Contract becomes effective. Each Purchase Payment
is payable to Us at Our Office; the minimum and maximum initial and subsequent
Purchase Payment amounts are shown in the Contract Specifications. No additional
Purchase Payment after the initial Purchase Payment is required to keep this
Contract in force, except as provided in the "Termination" provision.

A net Purchase Payment is that part of each Purchase Payment applied to the
Contract value. A net Purchase Payment is equal to the Purchase Payment less any
applicable Premium Tax charge.

ALLOCATION OF PURCHASE PAYMENT

We will apply any net Purchase Payment to provide Accumulation Units of selected
Funding Options and/or the Fixed Account (if applicable) of this Contract. The
initial net Purchase Payment will be applied within two business days following
its receipt at Our Office, if the information received is in good order.
Subsequent net Purchase Payments will be applied on the same business day if
received in good order at Our Office on or before 4:00 p.m., Eastern Standard
Time. The net Purchase Payment will be allocated to the Funding Options and/or
the Fixed Account (if applicable) in the proportion specified by You for this
Contract.

FUNDING OPTION VALUATION

NUMBER OF ACCUMULATION UNITS

The number of Accumulation Units to be credited to each Funding Option once a
Purchase Payment has been received by Us will be determined by dividing the net
Purchase Payment applied to that Funding Option by the then Accumulation Unit
Value of that Funding Option.

ACCUMULATION UNIT VALUE

We determine the value of an Accumulation Unit in each Funding Option on each
Valuation Date by multiplying the value on the preceding Valuation Date by the
net investment factor for that Funding Option for the Valuation Period just
ended.

The value of an Accumulation Unit on any date other than a Valuation Date will
be equal to its value as of the next Valuation Date.

                                       8
TL-22386                                                                   01-03
<PAGE>

NET INVESTMENT FACTOR

The net investment factor is a factor applied to measure the investment
performance of a Funding Option from one Valuation Period to the next. The net
investment factor for a Funding Option for any Valuation Period is determined by
dividing a by b and subtracting c where:

     a is

          1.   the Net Asset Value per share of the Underlying Fund held in the
               Funding Option as of the Valuation Date; plus

          2.   the per-share amount of any dividend or capital gain distribution
               on shares of the Underlying Fund held by the Funding Option if
               the ex-dividend date occurs in the Valuation Period just ended;
               plus or minus 3. a per-share charge or credit, as We may
               determine on the Valuation Date for tax reserves; and

     b is

          1.   the Net Asset Value per share of the Underlying Fund held in the
               Funding Option as of the last prior Valuation Date; plus or minus

          2.   the per-share or per-unit charge or credit for tax reserves as of
               the end of the last prior Valuation Date; and

     c is the applicable Funding Option deduction for the Valuation Period.

Assets in each Funding Option will be valued at fair market value in accordance
with accepted accounting practices and applicable laws and regulations.

All Funding Option deductions related to this Contract are shown in the Contract
Specifications.

FIXED ACCOUNT VALUATION

FIXED ACCOUNT VALUE

Net Purchase Payments are applied to increase the value of the Fixed Account.
The initial value of the Fixed Account will be the net Purchase Payment
allocated to the Fixed Account, or amounts transferred from the Funding
Option(s) to the Fixed Account. On any subsequent valuation date, the value of
the Fixed Account will equal:

     1.   the value of the Fixed Account on the preceding Valuation Date; plus

     2.   any net Purchase Payments or amounts transferred from the Funding
          Option(s) applied on that Valuation Date; minus

     3.   the dollar value of any transfers, withdrawals, charges or taxes, if
          any deducted from the Fixed Account; plus

     4.   any interest earned.

NUMBER OF ACCUMULATION UNITS

For accounting purposes, upon receipt of each net Purchase Payment allocated to
the Fixed Account, We will convert each Purchase Payment to Accumulation Units.
We will determine the number of Accumulation Units to be credited to the Fixed
Account by dividing the net Purchase Payment allocated to the Fixed Account by
the then dollar value of one Accumulation Unit of the Fixed Account.

ACCUMULATION UNIT VALUE

We determine the value of an Accumulation Unit in the Fixed Account on any day
by multiplying the value on the immediately preceding day by the net interest
factor for the day on which the value is being determined.

NET INTEREST FACTOR

The net interest factor for any day is the guaranteed net interest rate as shown
in the Contract Specifications, plus any additional amounts credited by Us, plus
1.0000. Interest is credited daily. The method of crediting additional interest
will be at Our discretion.

TRANSFERS AMONG FUNDING OPTIONS AND THE FIXED ACCOUNT

You may transfer all or any part of the Contract value from one Funding Option
to any other Funding Option at any time up to 30 days before the Maturity Date.
Additionally, You may transfer a part of the Fixed Account value (if applicable)
to any of the Funding Options available under the Separate Account as shown in
the Contract Specifications.

Amounts may generally be transferred from the Funding Options to the Fixed
Account (if applicable) at any time up to 30 days before the Maturity Date.
Amounts previously transferred from the Fixed Account to the Funding Options may
not be transferred back to the Fixed Account for a period of at least six months
from the date of transfer. We reserve the right to limit the number of transfers
from one Funding Option to any other Funding Option or to the Fixed Account. We
will always allow at least one transfer in any six month period.

Transfers between Funding Options and/or the Fixed Account (if applicable) will
result in the addition or deletion of Accumulation Units having a total value
equal to the dollar amount being transferred to or from a particular Funding
Option

                                       9
TL-22386                                                                   01-03
<PAGE>

and/or the Fixed Account. The number of Accumulation Units will be determined by
using the Accumulation Unit Value of the Funding Options involved and/or the
Fixed Account as of the next valuation after We receive notification of request
for transfer. Transfers will be subject to any applicable Transfer charge
described in the Contract Specifications.

We reserve the right to restrict transfers between Funding Options by any market
timing firm or any other third party authorized to initiate transfers on behalf
of multiple Contract owners. We may not accept, among other things; 1) transfer
instructions of any agent acting under a power of attorney on behalf of more
than one owner, or 2) transfer or exchange instructions of individual owners who
have executed pre-authorized transfer forms which are submitted by market timing
firms or other third parties on behalf of more than one owner. We further
reserve the right to limit transfers by Contract owners, any market timing firm
or any other third party authorized to initiate transfers on behalf of multiple
Contract owners, that We may determine, in Our sole discretion, will
disadvantage other Contract owners.

CONTRACT VALUES

CONTRACT VALUE

The Contract value on any date equals the sum of the accumulated values in the
Funding Options and the Fixed Account (if applicable). The accumulated value in
a Funding Option equals the number of outstanding Accumulation Units credited to
that Funding Option, multiplied by the then current Accumulation Unit Value for
that Funding Option.

The Accumulation value of the Fixed Account equals the number of outstanding
Accumulation Units credited to the Fixed Account multiplied by the current
Accumulation Unit Value of the Fixed Account.

The Guaranteed value of the Fixed Account equals the accumulated value of the
Fixed Account calculated by using the guaranteed net interest factor.

CONTRACT CHARGE

A Contract charge in the amount and for the period shown in the Contract
Specifications will be deducted from the Contract value to reimburse Us for
administrative expenses relating to the Contract. The Contract charge will be
deducted by surrendering, on a pro rata basis, Accumulation Units from amounts
allocated to the Funding Options. The Contract charge will not be deducted from
the Fixed Account.

We will deduct the Contract charge on a pro rata basis if the Contract has been
in effect for less than a full period on the date the charge is deducted. The
Contract charge will also be prorated upon full surrender or Termination of the
Contract.

CASH SURRENDER VALUE

The cash surrender value is equal to the Contract value less any applicable
withdrawal charges and fees as shown in the Contract Specifications, less any
applicable Premium Tax and less any outstanding loan balance.

The guaranteed cash surrender value of the Fixed Account equals the guaranteed
value of the Fixed Account less any applicable charges and fees as shown in the
Contract Specifications, less any applicable Premium Tax and less any
outstanding loan balance.

CASH SURRENDER

You may elect by Written Request to receive the cash surrender value before the
Maturity Date and without the consent of any beneficiary unless irrevocably
named. You may elect either a full or partial surrender of the cash surrender
value. In the case of a full surrender, this Contract will be canceled. In the
case of a partial surrender, We will reduce Your Contract value by surrendering
Accumulation Units on a pro rata basis from amounts allocated to the Funding
Options and from the Fixed Account (if applicable), unless You instruct
otherwise. A partial surrender will result in a reduction of Your Contract value
and death benefit proceeds.

The cash surrender value will be determined as of the next Valuation Date
following receipt of Your Written Request. We may delay payment of the cash
surrender value of the Funding Options for a period of not more than five
business days after Your Written Request is recorded. We may delay payment of
the cash surrender value of the Fixed Account for a period of not more than six
months after We receive Your Written Request.

CONTRACT CONTINUATION

Except as provided in the Termination Provision, this Contract does not require
continuing Purchase Payments and will automatically continue as a paid-up
Contract during the lifetime of the Annuitant, until the Maturity Date, until it
is surrendered or when a death benefit becomes due.

                                       10
TL-22386                                                                   01-03
<PAGE>

================================================================================
                            DEATH BENEFIT PROVISION
================================================================================

DEATH OF ANNUITANT

A death benefit is payable to the beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a contingent Annuitant. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. A
beneficiary may request that a death benefit payable under this Contract be
applied to a Settlement Option subject to the provisions of this Contract and
the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the owner is not the Annuitant, and the owner dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit Proceeds Prior To
The Maturity Date below, by replacing all references to "Annuitant" with
"owner." The value of the death benefit, as recalculated, will be paid in a
single lump sum or by other election to the party taking proceeds under the
current tax laws.

DEATH BENEFIT PROCEEDS PRIOR TO THE MATURITY DATE

If the Annuitant dies before the Maturity Date, the death benefit payable as of
the Death Report Date will be the greater of a) or b) below, less any applicable
premium tax or outstanding loan balance:

     a)   the Contract value on the Death Report Date; or

     b)   the Adjusted Purchase Payment;

          ADJUSTED PURCHASE PAYMENT:

          The initial Adjusted Purchase Payment is equal to the initial Purchase
          Payment. Whenever any additional Purchase Payment(s) are made, the
          Adjusted Purchase Payment is increased by the amount of the Purchase
          Payment. Whenever a partial surrender is taken, the Adjusted Purchase
          Payment is reduced by a Partial Surrender Reduction as described
          below.

PARTIAL SURRENDER REDUCTION

The Partial Surrender Reduction for (b) above is equal to 1) the Adjusted
Purchase Payment in effect immediately prior to the reduction for the partial
surrender, multiplied by 2) the amount of the partial surrender divided by 3)
the Contract value.

INTEREST ON DEATH BENEFIT PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

                                       11
TL-22386                                                                   01-03
<PAGE>

================================================================================
                             SETTLEMENT PROVISIONS
================================================================================

MATURITY DATE

The Maturity Date is shown in the Contract  Specifications  and must be at least
thirteen months after the Contract Date.  Annuity payments will begin under this
Contract on the Maturity Date unless the Contract has been fully  surrendered or
the  proceeds  have  been paid to the  beneficiary  prior to that  date.  We may
require proof that the Annuitant is alive before  annuity  payments are made. If
no Maturity Date is specified,  the automatic  Maturity Date will be the greater
of when the Annuitant reaches age 90 or ten years after the Contract Date, or to
a later date with Our consent.

Additionally, to the extent permitted by law, at least 30 days before the
original Maturity Date, You may change the Maturity Date by Written Request to
any time prior to the Annuitant's 90th birthday, or ten years after the Contract
Date, unless You elect a later annuity commencement date, subject to laws and
regulations then in effect and approved by the Company.

ELECTION OF SETTLEMENT OPTIONS

On the Maturity Date, or other agreed upon date, We will pay the amount payable
under this Contract to You in one lump sum or in accordance with an annuity
Option elected by You. While the Annuitant is alive, You may change Your
Settlement Option election by Written Request, but only before the Maturity
Date. We reserve the right to require satisfactory proof of the Age of any
person on whose life annuity payments are based before making the first payment
under any annuity Option.

During the Annuitant's lifetime, if no election has been made by the Maturity
Date, We will pay You the first of a series of periodic annuity payments based
on the life of the Annuitant, in accordance with annuity Option 2, with 120
monthly payments assured.

Once annuity payments have commenced, no election changes are allowed.

MINIMUM AMOUNTS

The minimum amount that can be placed under a Settlement Option is $2,000 unless
We consent to a lesser amount. If any periodic payments due are less than $100,
We reserve the right to make payments at less frequent intervals, resulting in a
payment of at least $100 per year.

ALLOCATION OF ANNUITY

At the time an election of one of the annuity options is made, the person
electing the option may elect to have the cash surrender value applied to
provide a variable annuity, a fixed annuity or a combination of both.

Unless You elect otherwise, the cash surrender value of a Funding Option will be
applied to provide an annuity, which varies with the investment experience of
that same Funding Option. The value of the Fixed Account(if applicable) will be
applied to provide a Fixed Annuity.

You may elect to transfer Contract value from one Funding Option to another, as
described in the provision "Transfers Among Funding Options And The Fixed
Account" in order to reallocate the basis on which annuity payments will be
determined. Once annuity payments start, You may, with Our consent, change the
allocation of Your values in each Funding Option.

VARIABLE ANNUITY

ANNUITY UNIT VALUE

On any Valuation Date, the Annuity Unit Value for a Funding Option equals the
Funding Option Annuity Unit Value on the preceding Valuation Date, multiplied by
the net investment factor for that Funding Option for the Valuation Period just
ended, divided by the Assumed Daily Net Investment Factor. The Assumed Daily Net
Investment Factor is shown in the Contract Specifications. The value of an
Annuity Unit on any date other than a Valuation Date will be equal to its value
as of the next Valuation Date.

NUMBER OF ANNUITY UNITS

We determine the number of Annuity Units credited to this Contract in each
Funding Option by dividing the amount of the first monthly annuity payment
attributable to that Funding Option by the Funding Option's Unit Value as of 14
days before the Maturity Date.

                                       12
TL-22386                                                                   01-03
<PAGE>

AMOUNT OF FIRST PAYMENT

The Life Annuity  Tables for Variable  Payments are used to determine  the first
monthly  annuity  payment.  They show the  dollar  amount  of the first  monthly
annuity  payment  which can be purchased  with each $1,000  applied.  The amount
applied to a variable  annuity will be the cash surrender value allocated to the
variable  annuity as of 14 days prior to the Maturity  Date.  The first  monthly
annuity payment is allocated among the Funding Options in the same proportion as
the cash surrender value is allocated among the Funding Options.  We reserve the
right to  require  the  satisfactory  proof of age of any  person on whose  life
annuity  Payments are based before  making the first  payment under any of these
options.

AMOUNT OF SECOND AND SUBSEQUENT PAYMENTS

The dollar amount of the second and subsequent payments may change from month to
month.  The amount of the annuity  payment for each  Funding  Option is found by
multiplying  the number of Annuity Units for that Funding  Option by the Annuity
Unit Value for that Funding  Option.  The total  amount of each annuity  payment
will be equal to the sum of the payments in each Funding Option.

FIXED ANNUITY

A fixed annuity is an annuity with payments, which remain fixed as to dollar
amount throughout the payment period. The Life Annuity Tables for Fixed Payments
are used to determine the monthly annuity payment. They show the dollar amount
of monthly annuity payment which can be purchased with each $1,000 applied. The
amount applied to the fixed annuity will be equal to the cash surrender value
allocated to the fixed annuity determined as of the date fixed annuity payments
start. If it would produce a larger payment, the fixed annuity payment will be
determined using the Life Annuity Tables in effect on the Maturity Date.

ANNUITY OPTIONS

Subject to conditions stated in Elections Of Settlement Options and Minimum
Amounts, all or any part of the Cash Surrender Value of this Contract may be
paid under one or more of the Annuity Options below. We may offer additional
options.

OPTION 1. LIFE ANNUITY - NO REFUND

We will make monthly annuity payments during the lifetime of the person on whose
life the payments are based, ending with the last payment preceding death.

OPTION 2. LIFE ANNUITY WITH 120, 180 OR 240 MONTHLY PAYMENTS ASSURED

We will make monthly annuity payments during the lifetime of the person on whose
life the payments are based. If at the death of that person, payments have been
made for less than 120, 180, or 240 months, as elected, We will continue to make
payments to the designated beneficiary during the remainder of the period.

OPTION 3. JOINT AND LAST SURVIVOR LIFE ANNUITY

We will make monthly annuity payments during the Joint lifetime of two persons
on whose lives payments are based and during the lifetime of the survivor. No
more payments will be made after the death of the survivor.

OPTION 4. JOINT AND LAST SURVIVOR LIFE ANNUITY - ANNUITY REDUCED ON DEATH OF
PRIMARY PAYEE

We will make monthly annuity payments during the Joint lifetime of two persons
on whose lives payments are based. One of the two persons will be designated as
the primary payee. The other will be designated as the secondary payee. On the
death of the secondary payee, if survived by the primary payee, We will continue
to make monthly annuity payments to the primary payee in the same amount that
would have been payable during the Joint lifetime of the two persons. On the
death of the primary payee, if survived by the secondary payee, We will continue
to make monthly annuity payments to the secondary payee in an amount equal to
50% of the payments, which would have been made during the lifetime of the
primary payee. No further payments will be made following the death of the
survivor.

OPTION 5. PAYMENTS FOR A FIXED PERIOD

We will make monthly payments for the period selected.

OPTION 6. OTHER ANNUITY OPTIONS

We will make any other arrangements for annuity payments as may be mutually
agreed by You and Us.

                                       13
TL-22386                                                                   01-03
<PAGE>

================================================================================
                               GENERAL PROVISIONS
================================================================================

CONTRACT

The entire Contract between You and Us consists of the Contract, and any
attached amendments, riders, or endorsements.

CONTRACT CHANGES

Upon receiving appropriate state approval, if necessary, We may at any time make
any changes, including retroactive changes to this Contract to the extent that
the change is required to meet the requirements of any federal or state law or
regulation. All Contract changes will be made by a written amendment, rider, or
endorsement and will be signed by Our President, Our Chairman or one of Our home
office authorized officers. Agents do not have authority to alter or modify any
of the terms or conditions of this Contract, or to waive any of its provisions.

Any Contract change will not affect the amount or term of any annuity begun
prior to the change, unless the change is required to conform the Contract to
any federal or state statute and will not affect the method by which the
Contract value is determined.

MINIMUM VALUE

Any paid-up annuity, cash surrender value, or death benefits that are available
under this Contract will not be less than the minimum benefits required by the
statutes of the state in which this Contract is delivered.

INCONTESTABILITY

We will not contest this Contract from the Contract Date.

MISSTATEMENT

If this Contract is issued as a Nonqualified Contract, and the Annuitant's (or,
if applicable, the owner's) sex or date of birth was misstated, the amount of
the annuity payable by Us will be adjusted based on the correct information
without changing the date of the first payment

If this Contract is issued as a Qualified Contract and the Annuitant's date of
birth was misstated, the amount of the annuity payable by Us will be adjusted
based on the correct information without changing the date of the first payment.

If an underpayment has been made under this Contract due to a misstatement as
described above, We will pay the portion due promptly. If an overpayment has
occurred, the amount due Us will be deducted from subsequent annuity payments,
as necessary. No interest will be credited or charged in the event of an
underpayment or overpayment. Proof of the Annuitant's and owner's Age may be
filed at any time at Our Office.

If the age of the Annuitant or owner has been misstated, the amount of any death
benefit payable will be determined based upon the correct age of the Annuitant
or owner.

ADDITION OR DELETION OF SEPARATE ACCOUNT OR FUNDING OPTIONS

If it is not possible to continue to offer a Separate Account or Funding Option
or in Our judgment becomes inappropriate for the purposes of this Contract, We
may substitute another Separate Account or Funding Option without Your consent.
Substitution may be made with respect to both existing investments and
investment of future Purchase Payments. However, no such substitution will be
made without notice to You and without prior approval of the Securities and
Exchange Commission, to the extent required by law. New Funding Options may be
added at any time.

TERMINATION

Prior to annuitization, We reserve the right to terminate this Contract on any
Valuation Date if the Contract value is less than the Termination amount stated
in the Contract Specifications and Purchase Payments have not been made to this
Contract for at least two-years. Termination will not occur until 31 day's after
We have mailed notice of termination to You at Your last known address. If we
terminate this Contract we will pay you the cash surrender value, if any.

REQUIRED REPORTS

We will furnish a report to the Contract owner as often as required by law, but
at least once in each Contract Year before the Maturity Date, reporting the
status of the Contract as of a date not more than four months previous to the
date of the mailing. The report will show the number of Accumulation Units
credited to the Contract in each Funding Option and the Fixed Account (if
applicable) and the corresponding Accumulation Unit Value as of the date of the
report. The report will also show any other information required under state or
federal law.

                                       14
TL-22386                                                                   01-03
<PAGE>

VOTING RIGHTS

If required by federal law, You may have the right to vote at the shareholder
meetings of the Underlying Funds. If You have voting rights, We will send a
notice to You telling You the time and place of a meeting. The notice will also
explain matters to be voted upon and how many votes You may exercise.

If You have voting rights, We will send proxy materials and instructions for You
to vote the shares held for Your account. We will arrange for the handling and
tallying of proxies received from Contract owners. We will vote the Underlying
Fund shares held by Us in accordance with the instructions received from
Contract owners.

In the event that You give no instructions or leave the manner of voting
discretionary, We will vote such shares of the appropriate Underlying Fund in
the same proportion as shares of the Underlying Fund for which instructions have
been received. Also, We will vote the Underlying Fund shares in this
proportionate manner, which are held by Us for Our own account.

If federal law does not require Us to comply with the above, we will vote all
shares in our own right.

MORTALITY AND EXPENSES

Our actual mortality and expense experience will not affect the amount of any
annuity payments or any other values under this Contract.

NON-PARTICIPATING

This Contract does not share in Our surplus earnings, so You will receive no
dividends under it.

CHANGES IN TAXES BASED UPON PREMIUM OR VALUE

If there is a law or change in law assessing taxes against Us based upon the
premium or value of this Contract, We reserve the right to charge You
proportionately for that tax. This would include, but is not limited to, a tax
based upon Our realized net capital gains in the Funding Options and on earnings
in the Fixed Account, on which We are not currently taxed.

EMERGENCY PROCEDURE FOR SUSPENSION OF PAYMENTS

We reserve the right to suspend or postpone the date of any payment of any
benefit or values for the Funding Options for any Valuation Period (1) when the
New York Stock Exchange is closed; (2) when trading on the Exchange is
restricted; (3) when an emergency exists as determined by the Securities and
Exchange Commission so that disposal of the securities held in the Funding
Options is not reasonably practicable or it is not reasonably practicable to
determine the value of the Funding Option's net assets, or (4) during any other
period when the Securities and Exchange Commission, by order, so permits for the
protection of security holders. Any provision of this Contract which specifies a
Valuation Date will be superseded by this Emergency Procedure.

RELATION OF THIS CONTRACT TO THE SEPARATE ACCOUNT AND FUNDING OPTIONS

We will have exclusive and absolute ownership and control of the assets of Our
Separate Account and the Funding Options. That portion of the assets of a
Separate Account or Funding Option equal to the reserves and other Contract
liabilities with respect to such Separate Account or Funding Option shall not be
chargeable with liabilities arising out of any other business We conduct. Our
determination of the value of an Accumulation Unit and an Annuity Unit by the
method described in this Contract will be conclusive.

REDUCTION OR ELIMINATION OF CONTRACT CHARGES

All charges and fees under the Contract may be reduced or eliminated when
certain sales or administration of the Contract result in savings or reduction
of expenses and/or risks.

TRANSFERS TO OTHER CONTRACTS ISSUED BY US

Under specific conditions, We may allow You to transfer funds held by You to
another Contract issued by Us or one of Our affiliates, without incurring
charges deducted upon surrender as shown in the Contract Specifications. Once
the transfer is complete and We have established a new Contract at Your
direction, new withdrawal charges or surrender charges may apply to the new
Contract in accordance with the provisions of such Contract.

                                       15
TL-22386                                                                   01-03
<PAGE>

                   LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

              THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

  MALE                 NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED             NONE              120                180               240
  AGE
   45                3.59              3.57              3.56               3.53
   46                3.64              3.62              3.60               3.57
   47                3.69              3.67              3.65               3.62
   48                3.75              3.73              3.70               3.67
   49                3.81              3.78              3.76               3.71
   50                3.87              3.84              3.81               3.77
   51                3.93              3.90              3.87               3.82
   52                4.00              3.97              3.93               3.87
   53                4.07              4.04              3.99               3.93
   54                4.15              4.11              4.06               3.99
   55                4.23              4.19              4.13               4.05
   56                4.32              4.27              4.20               4.11
   57                4.41              4.35              4.28               4.17
   58                4.50              4.44              4.36               4.24
   59                4.61              4.53              4.44               4.31
   60                4.72              4.63              4.53               4.37
   61                4.83              4.74              4.62               4.44
   62                4.96              4.85              4.71               4.51
   63                5.09              4.97              4.81               4.58
   64                5.24              5.09              4.90               4.65
   65                5.39              5.22              5.01               4.72
   66                5.56              5.36              5.11               4.79
   67                5.73              5.50              5.21               4.86
   68                5.92              5.64              5.32               4.93
   69                6.12              5.80              5.43               4.99
   70                6.34              5.96              5.53               5.05
   71                6.56              6.12              5.64               5.11
   72                6.81              6.29              5.75               5.16
   73                7.07              6.46              5.85               5.21
   74                7.35              6.64              5.95               5.26
   75                7.64              6.82              6.05               5.30

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table with mortality improvements
based on Projection Scale G. This table assumes a net investment rate of 3% per
Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       16
TL-22386                                                                   01-03
<PAGE>

                    LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

 FEMALE                         NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED             NONE              120                180               240
  AGE
   45                3.39              3.39              3.38               3.37
   46                3.43              3.43              3.42               3.40
   47                3.48              3.47              3.46               3.44
   48                3.52              3.52              3.50               3.48
   49                3.57              3.56              3.55               3.53
   50                3.62              3.61              3.60               3.57
   51                3.68              3.66              3.65               3.62
   52                3.74              3.72              3.70               3.67
   53                3.80              3.78              3.76               3.72
   54                3.86              3.84              3.81               3.78
   55                3.93              3.90              3.88               3.83
   56                4.00              3.97              3.94               3.89
   57                4.07              4.05              4.01               3.95
   58                4.15              4.12              4.08               4.01
   59                4.24              4.20              4.15               4.08
   60                4.33              4.29              4.23               4.15
   61                4.43              4.38              4.32               4.22
   62                4.53              4.48              4.40               4.29
   63                4.64              4.58              4.49               4.36
   64                4.76              4.69              4.59               4.44
   65                4.89              4.80              4.69               4.52
   66                5.02              4.92              4.79               4.59
   67                5.17              5.05              4.89               4.67
   68                5.32              5.19              5.00               4.75
   69                5.49              5.33              5.12               4.82
   70                5.68              5.48              5.23               4.90
   71                5.87              5.64              5.35               4.97
   72                6.09              5.81              5.47               5.04
   73                6.32              5.99              5.59               5.10
   74                6.57              6.18              5.71               5.16
   75                6.84              6.37              5.83               5.22

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table with mortality improvements
based on Projection Scale G. This table assumes a net investment rate of 3% per
Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       17
TL-22386                                                                   01-03
<PAGE>

                    LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                THIS TABLE WILL BE USED FOR QUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

 UNISEX                         NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED            NONE               120                180               240
   AGE
   45               3.49               3.48              3.47               3.45
   46               3.54               3.53              3.51               3.49
   47               3.59               3.57              3.56               3.53
   48               3.64               3.62              3.60               3.58
   49               3.69               3.68              3.65               3.62
   50               3.75               3.73              3.71               3.67
   51               3.81               3.79              3.76               3.72
   52               3.87               3.85              3.82               3.77
   53               3.94               3.91              3.88               3.83
   54               4.01               3.98              3.94               3.88
   55               4.08               4.05              4.01               3.94
   56               4.16               4.12              4.07               4.00
   57               4.24               4.20              4.15               4.07
   58               4.33               4.28              4.22               4.13
   59               4.42               4.37              4.30               4.20
   60               4.52               4.46              4.38               4.27
   61               4.63               4.56              4.47               4.34
   62               4.75               4.67              4.56               4.41
   63               4.87               4.78              4.65               4.48
   64               5.00               4.89              4.75               4.55
   65               5.14               5.01              4.85               4.62
   66               5.29               5.14              4.95               4.70
   67               5.45               5.28              5.06               4.77
   68               5.62               5.42              5.17               4.84
   69               5.81               5.57              5.28               4.91
   70               6.00               5.72              5.39               4.98
   71               6.22               5.89              5.50               5.04
   72               6.44               6.06              5.62               5.10
   73               6.69               6.23              5.73               5.16
   74               6.95               6.41              5.84               5.21
   75               7.24               6.60              5.95               5.26

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based upon the Annuity 2000 Table (blended 50%/50%
female/male) with mortality improvements based on Projection Scale G. This table
assumes a net investment rate of 3% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       18
TL-22386                                                                   01-03
<PAGE>

                    LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

              THESE TABLES WILL BE USED FOR NONQUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

  MALE
ADJUSTED                             FEMALE ADJUSTED AGE
  AGE          45        50        55        60        65        70        75
   45         3.18      3.27      3.35      3.42      3.47      3.51      3.54
   50         3.24      3.36      3.47      3.58      3.66      3.73      3.78
   55         3.29      3.43      3.59      3.74      3.87      3.99      4.08
   60         3.32      3.49      3.69      3.89      4.09      4.28      4.43
   65         3.35      3.54      3.76      4.02      4.31      4.59      4.84
   70         3.36      3.57      3.82      4.13      4.49      4.89      5.29
   75         3.37      3.59      3.86      4.21      4.63      5.14      5.71

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                    REDUCED BY 50% ON DEATH OF PRIMARY PAYEE

                  AGE OF PRIMARY MALE               DOLLAR AMOUNT
                 AND SECONDARY FEMALE

                          45                            3.37
                          50                            3.60
                          55                            3.88
                          60                            4.26
                          65                            4.79
                          70                            5.52
                          75                            6.54

Dollar amounts of the monthly annuity payments in the above table and assumes a
year 2000 issue and are based on the Annuity 2000 Table with mortality
improvements based on Projection Scale G. This table assumes a net investment
rate of 3% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       19
TL-22386                                                                   01-03
<PAGE>

                    LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THESE TABLES WILL BE USED FOR QUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

 UNISEX
ADJUSTED                              UNISEX ADJUSTED AGE
   AGE          45        50        55        60        65        70        75
    45         3.19      3.26      3.33      3.38      3.41      3.44      3.46
    50         3.26      3.37      3.46      3.54      3.61      3.66      3.69
    55         3.33      3.46      3.60      3.72      3.83      3.91      3.98
    60         3.38      3.54      3.72      3.90      4.07      4.22      4.33
    65         3.41      3.61      3.83      4.07      4.32      4.56      4.75
    70         3.44      3.66      3.91      4.22      4.56      4.91      5.23
    75         3.46      3.69      3.98      4.33      4.75      5.23      5.74

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                    REDUCED BY 50% ON DEATH OF PRIMARY PAYEE

                     AGE OF PRIMARY
                  AND SECONDARY UNISEX             DOLLAR AMOUNT

                           45                          3.34
                           50                          3.55
                           55                          3.82
                           60                          4.19
                           65                          4.70
                           70                          5.40
                           75                          6.40

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table (blended 50%/50%
female/male) with mortality improvements based on Projection Scale G. This table
assumes a net investment rate of 3% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       20
TL-22386                                                                   01-03
<PAGE>

                    LIFE ANNUITY TABLES FOR VARIABLE PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

        THIS TABLE WILL BE USED FOR NONQUALIFIED AND QUALIFIED CONTRACTS.

                     OPTION 5 - PAYMENTS FOR A FIXED PERIOD

                      MONTHLY                                        MONTHLY
    NUMBER OF         PAYMENT                       NUMBER OF        PAYMENT
      YEARS           AMOUNT                          YEARS          AMOUNT

        5              17.91                            18            5.96
        6              15.14                            19            5.73
        7              13.16                            20            5.51
        8              11.68                            21            5.32
        9              10.53                            22            5.15
       10               9.61                            23            4.99
       11               8.86                            24            4.84
       12               8.24                            25            4.71
       13               7.71                            26            4.59
       14               7.26                            27            4.47
       15               6.87                            28            4.37
       16               6.53                            29            4.27
       17               6.23                            30            4.18

The dollar amounts of the monthly annuity payments for the fifth option are
based on a net investment rate of 3% per annum, assuming a 365-day year.

                                       21
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

 FEMALE                         NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED             NONE              120                180               240
  AGE
   45                2.54              2.54              2.53               2.52
   46                2.59              2.58              2.58               2.56
   47                2.63              2.63              2.62               2.61
   48                2.68              2.68              2.67               2.65
   49                2.73              2.73              2.72               2.70
   50                2.79              2.78              2.77               2.75
   51                2.84              2.83              2.82               2.80
   52                2.90              2.89              2.88               2.85
   53                2.96              2.95              2.93               2.91
   54                3.03              3.01              3.00               2.96
   55                3.10              3.08              3.06               3.03
   56                3.17              3.15              3.13               3.09
   57                3.25              3.23              3.20               3.15
   58                3.33              3.31              3.27               3.22
   59                3.42              3.39              3.35               3.29
   60                3.51              3.48              3.43               3.36
   61                3.61              3.57              3.52               3.44
   62                3.71              3.67              3.61               3.51
   63                3.82              3.77              3.70               3.59
   64                3.94              3.88              3.80               3.67
   65                4.07              4.00              3.90               3.75
   66                4.20              4.12              4.01               3.83
   67                4.35              4.26              4.12               3.92
   68                4.50              4.39              4.24               4.00
   69                4.67              4.54              4.36               4.08
   70                4.85              4.70              4.48               4.16
   71                5.05              4.86              4.60               4.24
   72                5.26              5.03              4.73               4.31
   73                5.49              5.21              4.85               4.38
   74                5.74              5.40              4.98               4.44
   75                6.00              5.60              5.10               4.50

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table with mortality improvements
based on Projection Scale G. This table assumes a net investment rate of 1.5%
per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus

                                       22
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THIS TABLE WILL BE USED FOR NONQUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

  MALE                          NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED             NONE              120                180               240
  AGE
   45                2.73              2.72              2.71               2.69
   46                2.79              2.78              2.76               2.74
   47                2.84              2.83              2.81               2.79
   48                2.90              2.88              2.87               2.84
   49                2.96              2.94              2.92               2.89
   50                3.02              3.00              2.98               2.94
   51                3.09              3.07              3.04               3.00
   52                3.16              3.14              3.11               3.06
   53                3.23              3.21              3.17               3.12
   54                3.31              3.28              3.24               3.18
   55                3.39              3.36              3.31               3.25
   56                3.48              3.44              3.39               3.31
   57                3.57              3.53              3.47               3.38
   58                3.66              3.62              3.55               3.45
   59                3.77              3.71              3.64               3.52
   60                3.88              3.82              3.73               3.59
   61                3.99              3.92              3.82               3.67
   62                4.12              4.04              3.92               3.74
   63                4.25              4.16              4.02               3.82
   64                4.40              4.28              4.12               3.89
   65                4.55              4.41              4.23               3.97
   66                4.71              4.55              4.34               4.04
   67                4.89              4.70              4.45               4.12
   68                5.07              4.85              4.56               4.19
   69                5.27              5.00              4.67               4.25
   70                5.48              5.16              4.78               4.32
   71                5.70              5.33              4.90               4.38
   72                5.95              5.51              5.01               4.44
   73                6.20              5.68              5.12               4.49
   74                6.48              5.87              5.23               4.54
   75                6.77              6.05              5.33               4.59

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table with mortality improvements
based on Projection Scale G. This table assumes a net investment rate of 1.5%
per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       23
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

                THIS TABLE WILL BE USED FOR QUALIFIED CONTRACTS.

                     OPTIONS 1 AND 2- SINGLE LIFE ANNUITIES

 UNISEX                         NUMBER OF MONTHLY PAYMENTS GUARANTEED
ADJUSTED            NONE               120                180               240
   AGE
   45               2.64               2.63              2.62               2.61
   46               2.68               2.68              2.67               2.65
   47               2.73               2.73              2.71               2.70
   48               2.79               2.78              2.76               2.74
   49               2.84               2.83              2.82               2.79
   50               2.90               2.89              2.87               2.85
   51               2.96               2.95              2.93               2.90
   52               3.03               3.01              2.99               2.95
   53               3.09               3.08              3.05               3.01
   54               3.17               3.15              3.12               3.07
   55               3.24               3.22              3.19               3.14
   56               3.32               3.29              3.26               3.20
   57               3.40               3.37              3.33               3.27
   58               3.49               3.46              3.41               3.34
   59               3.59               3.55              3.49               3.41
   60               3.69               3.64              3.58               3.48
   61               3.80               3.74              3.67               3.55
   62               3.91               3.85              3.76               3.63
   63               4.03               3.96              3.86               3.71
   64               4.16               4.08              3.96               3.78
   65               4.30               4.20              4.07               3.86
   66               4.45               4.34              4.17               3.94
   67               4.61               4.47              4.29               4.02
   68               4.78               4.62              4.40               4.10
   69               4.96               4.77              4.52               4.17
   70               5.16               4.93              4.63               4.24
   71               5.37               5.10              4.75               4.31
   72               5.59               5.27              4.87               4.38
   73               5.84               5.45              4.99               4.44
   74               6.10               5.64              5.11               4.50
   75               6.38               5.83              5.22               4.55

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based upon the Annuity 2000 Table (blended 50%/50%
female/male) with mortality improvements based on Projection Scale G. This table
assumes a net investment rate of 1.5% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       24
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

              THESE TABLES WILL BE USED FOR NONQUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

  MALE
ADJUSTED                            FEMALE ADJUSTED AGE
   AGE          45        50        55        60        65        70        75
    45         2.34      2.44      2.52      2.59      2.64      2.67      2.70
    50         2.40      2.53      2.66      2.76      2.85      2.91      2.96
    55         2.45      2.61      2.78      2.94      3.07      3.19      3.27
    60         2.48      2.67      2.88      3.10      3.31      3.49      3.64
    65         2.51      2.71      2.96      3.23      3.53      3.81      4.06
    70         2.52      2.74      3.01      3.33      3.71      4.11      4.51
    75         2.53      2.76      3.05      3.40      3.85      4.37      4.94

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                    REDUCED BY 50% ON DEATH OF PRIMARY PAYEE

                  AGE OF PRIMARY MALE              DOLLAR AMOUNT
                 AND SECONDARY FEMALE

                          45                           2.52
                          50                           2.76
                          55                           3.05
                          60                           3.44
                          65                           3.97
                          70                           4.70
                          75                           5.72

Dollar amounts of the monthly annuity payments in the above table and assumes a
year 2000 issue and are based on the Annuity 2000 Table with mortality
improvements based on Projection Scale G. This table assumes a net investment
rate of 1.5% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       25
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

               THESE TABLES WILL BE USED FOR QUALIFIED CONTRACTS.

                 OPTION 3 - JOINT AND LAST SURVIVOR LIFE ANNUITY

 UNISEX
ADJUSTED                              UNISEX ADJUSTED AGE
   AGE          45        50        55        60        65        70        75
    45         2.35      2.43      2.49      2.54      2.57      2.60      2.61
    50         2.43      2.54      2.64      2.72      2.79      2.83      2.86
    55         2.49      2.64      2.79      2.92      3.02      3.10      3.16
    60         2.54      2.72      2.92      3.11      3.28      3.42      3.53
    65         2.57      2.79      3.02      3.28      3.54      3.77      3.96
    70         2.60      2.83      3.10      3.42      3.77      4.13      4.46
    75         2.61      2.86      3.16      3.53      3.96      4.46      4.96

                 OPTION 4 - JOINT AND LAST SURVIVOR LIFE ANNUITY
                    REDUCED BY 50% ON DEATH OF PRIMARY PAYEE

                    AGE OF PRIMARY
                 AND SECONDARY UNISEX              DOLLAR AMOUNT

                          45                           2.48
                          50                           2.71
                          55                           3.00
                          60                           3.37
                          65                           3.88
                          70                           4.59
                          75                           5.58

Dollar amounts of the monthly annuity payments in the above table assumes a year
2000 issue, and are based on the Annuity 2000 Table (blended 50%/50%
female/male) with mortality improvements based on Projection Scale G. This table
assumes a net investment rate of 1.5% per Annum, assuming a 365-day year.

Calendar Year in which 1st payment is due:
Adjusted Age is Actual Age:

2003-2005         2006-2010        2011-2015         2016-2020
minus 1           minus 2          minus 3           minus 4

2021-2025         2026-2030        2031-2035         2036 AND LATER
minus 5           minus 6          minus 7           minus 8

                                       26
TL-22386                                                                   01-03
<PAGE>

                     LIFE ANNUITY TABLES FOR FIXED PAYMENTS

                  GUARANTEED AMOUNT OF MONTHLY ANNUITY PAYMENTS
                 PURCHASED WITH EACH $1,000 OF PROCEEDS APPLIED

        THIS TABLE WILL BE USED FOR NONQUALIFIED AND QUALIFIED CONTRACTS.

                     OPTION 5 - PAYMENTS FOR A FIXED PERIOD

                      MONTHLY                                        MONTHLY
    NUMBER OF         PAYMENT                       NUMBER OF        PAYMENT
      YEARS           AMOUNT                          YEARS          AMOUNT

        5              17.28                            18            5.27
        6              14.51                            19            5.03
        7              12.53                            20            4.81
        8              11.04                            21            4.62
        9              9.89                             22            4.44
       10              8.96                             23            4.28
       11              8.21                             24            4.13
       12              7.58                             25            3.99
       13              7.05                             26            3.86
       14              6.59                             27            3.75
       15              6.20                             28            3.64
       16              5.85                             29            3.54
       17              5.55                             30            3.44

The dollar amounts of the monthly annuity payments for the fifth option are
based on a net investment rate of 1.5% per annum, assuming a 365-day year.

                                       27
TL-22386                                                                   01-03
<PAGE>

                                        This Page Left Blank Intentionally

                                       28
TL-22386                                                                   01-03
<PAGE>

         FLEXIBLE PREMIUM INDIVIDUAL DEFERRED VARIABLE ANNUITY CONTRACT
                    LIFE ANNUITY COMMENCING AT MATURITY DATE

       ELECTIVE OPTIONS                                 NON-PARTICIPATING

                                       29
TL-22386                                                                   01-03
<PAGE>

                           DEATH BENEFIT ENDORSEMENT A

This endorsement is made part of the Contract on the Contract Date.

The "DEATH BENEFIT PROVISION" section of the Contract is deleted and replaced
with the following:

================================================================================
                             DEATH BENEFIT PROVISION
================================================================================

DEATH OF ANNUITANT

A death benefit is payable to the beneficiary upon the death of the Annuitant
before the Maturity Date, unless there is a contingent Annuitant. A death
benefit is also payable under those Settlement Options which provide for death
benefits. We will pay the beneficiary the death benefit, determined as of the
Death Report Date, in a single sum or apply it to a Settlement Option. A
beneficiary may request that a death benefit payable under this Contract be
applied to a Settlement Option subject to the provisions of this Contract and
the current tax laws.

DEATH OF OWNER WITH ANNUITANT SURVIVING

If the owner is not the Annuitant, and the owner dies (including the first of
joint owners) before the Maturity Date, We will recalculate the value of the
death benefit proceeds under the provisions of Death Benefit Proceeds Prior To
The Maturity Date below, by replacing all references to "Annuitant" with
"owner." The value of the death benefit, as recalculated, will be paid in a
single lump sum or by other election to the party taking proceeds under the
current tax laws.

DEATH PROCEEDS PRIOR TO THE MATURITY DATE

Upon the death of the Annuitant, the death benefit payable as of the Death
Report Date will be the greatest of a), b) or c) below, less any applicable
premium tax and outstanding loan balance:

a)   the Contract value on the Death Report Date ; or

b)   the Adjusted Purchase Payment (as described below); or

c)   the Step-Up Value (if any, as described below)

          ADJUSTED PURCHASE PAYMENT

          The initial Adjusted Purchase Payment is equal to the initial Purchase
          Payment. Whenever any additional Purchase Payment(s) are made, the
          Adjusted Purchase Payment is increased by the amount of the Purchase
          Payment. Whenever a partial surrender is taken, the Adjusted Purchase
          Payment is reduced by a Partial Surrender Reduction as described below

          STEP-UP VALUE

          The Step-Value will initially equal the Contract Value on the first
          Contract Date anniversary. On each subsequent Contract Date
          anniversary that occurs before the Annuitant's [80th] birthday and
          before the Annuitant's death, if the Contract Value is greater than
          the Step - Up Value, the Step - Up Value will be increased to equal
          the Contract Value. If the Step -Up Value is greater than the Contract
          Value, the Step - Up Value will remain unchanged. Whenever a Purchase
          Payment is made, the Step - Up value will be increased by the amount
          of that Purchase Payment. Whenever a partial surrender is taken, the
          Step - Up Value will be reduced by a partial Surrender Reduction as
          described below. The only changes made to the Step - Up Value on or
          after the Annuitant's [80th] birthday will be those related to
          additional Purchase Payments or partial surrenders as described below.

PARTIAL SURRENDER REDUCTIONS

ADJUSTED PURCHASE PAYMENT

The Partial Surrender Reduction is equal to 1) the Adjusted Purchase Payment in
effect immediately prior to the reduction for the partial surrender, multiplied
by 2) the amount of the partial surrender divided by 3) the Contract Value.
immediately prior to the partial surrender.

STEP - UP VALUE

The Partial Surrender Reduction is equal to 1) the Step - Up Value in effect
immediately prior to the reduction for the partial surrender, multiplied by 2)
the amount of the partial surrender divided by 3) the Contract Value,
immediately prior to the partial surrender.

TL-22396                                                                   03-03
                                                                         L-SHARE
<PAGE>

DEATH PROCEEDS AFTER THE MATURITY DATE

If the Annuitant dies on or after the Maturity Date, We will pay the Beneficiary
a death benefit consisting of any benefit remaining under the Annuity option
then in effect.

INTEREST ON DEATH PROCEEDS

Any interest on death proceeds will be paid in accordance with rules in effect
in Your state at the time of death.

                     THE TRAVELERS LIFE AND ANNUITY COMPANY

                             /s/ George C. Kokulis

                                    PRESIDENT

TL-22396                                                                   03-03
                                                                         L-SHAREENHANCED STEPPED-UP PROVISION RIDER

THIS RIDER IS NOT AVAILABLE WHEN EITHER THE ANNUITANT OR OWNER IS AGE 76 OR
OLDER ON THE RIDER EFFECTIVE DATE.

The Rider Effective Date is the date this rider is attached to and made a part
of the contract. If You previously elected the Enhanced Stepped-Up Provision
Rider, form TL-22320, the Rider Effective Date for this rider is the Contract
Date and this rider replaces form TL-22320.

The DEATH PROCEEDS PRIOR TO MATURITY DATE section of the contract or any
attached endorsement/rider is amended by adding the following language to the
end of the section:

The total death benefit payable as of the Death Report Date will equal the death
benefit described in the contract or any attached endorsement/rider plus the
greater of zero or the following amount:

     IF THE ANNUITANT IS YOUNGER THAN AGE 70 ON THE RIDER EFFECTIVE DATE:

     40% of the lesser of

     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or

     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     IF THE ANNUITANT IS BETWEEN THE AGES OF 70 AND 75 ON THE RIDER EFFECTIVE
     DATE:

     25% of the lesser of

     1.   200% of: the Modified Purchase Payment(s) excluding Purchase
          Payment(s) that are both received after the first Rider Effective Date
          anniversary and within 12 months of the Death Report Date, or

     2.   Your contract value minus the Modified Purchase Payment(s), calculated
          as of the Death Report Date.

     MODIFIED PURCHASE PAYMENT(S)

     The initial Modified Purchase Payment is equal to the contract value as of
     the Rider Effective Date. Whenever a Purchase Payment is made after the
     Rider Effective Date, the Modified Purchase Payment(s) are increased by the
     amount of the Purchase Payment. Whenever a partial surrender is taken after
     the Rider Effective Date, the Modified Purchase Payment(s) are reduced by a
     Partial Surrender Reduction as described below.

     The Partial Surrender Reduction is equal to 1) the Modified Purchase
     Payment(s) in effect immediately prior to the reduction for the partial
     surrender, multiplied by 2) the amount of the partial surrender divided by
     3) the contract value immediately prior to the partial surrender.

The annual Mortality and Expense charge of the contract is increased by 0.15%
for election of this rider. This increase annual Mortality and Expense charge
will result in an increase to the total funding option daily deduction of
..00000411. If election of an Enhanced Stepped-Up Provision Rider takes place on
the Contract Date, these charges will also be shown on the Contract
Specifications Page.

This Rider is to be read in conjunction with the Non-Qualified Annuity Spousal
Continuation Rider, if applicable.

                         THE TRAVELERS INSURANCE COMPANY

                             /s/ George C. Kokulis

                                    President

L-22332                                                             TIC ED. 3/01
                                                                    L-SHARE .15%

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00052-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00052-of-00352.parquet"}]]