Section 1551.APPENDIX A Variable Annuities Only

[Name of Company]

Hypothetical Illustration of Benefits

From An Immediate Variable Annuity

Prepared for	John Doe
Age & Sex	65 Male
Annuity Form	Life Annuity with 120
	Months Certain
Single Purchase Payment		$15,000

Annuity payments will vary as described in the prospectus, and in accordance with the actual investment results.

An interest rate of 3½% is used in calculating the initial payment. If the investment result after charges and taxes, as described in the prospectus, is equal to the interest rate assumed for the annuity, the annuity payment for that period will be unchanged. If the investment result is greater, the annuity payment will increase; if less, the payment will decrease.

The table below illustrates the effect of three hypothetical annual rates of investment return. The hypothetical rates of investment return shown are after provision for any taxes chargeable to the account, but before deduction of other charges.

		MONTHLY ANNUITY PAYMENT
		AT AGE
Hypothetical Investment Result	First Payment	70	75	80	85
8%	$92.64	$109.40	$129.19	$152.56	$180.16
4%	92.64	90.42	88.26	86.15	84.09
0%	92.64	74.18	59.39	47.56	38.08

The investment results bear no relationship to past or future investment results. Actual investment results will vary from month to month and actual payments may be more or less than shown above.

Use of this material is prohibited unless preceded or accompanied by a current prospectus which sets forth the sales expenses and other material information.