Ins 2.15(4)(c)1.a. a. The Buyer’s Guide for Deferred Annuities (2013); or

Ins 2.15(4)(c)1.b. b. The Buyer’s Guide for Deferred Annuities Fixed (2013).

Ins 2.15(4)(c)2. 2. With respect to sales of variable annuities, either:

Ins 2.15(4)(c)2.a. a. The Buyer’s Guide for Deferred Annuities (2013); or

Ins 2.15(4)(c)2.b. b. The Buyer’s Guide for Deferred Annuities Variable (2013).

Ins 2.15(4)(d) (d) “Yields” means those effective annual interest rates at which the accumulation of 100% of all gross considerations would be equal to the guaranteed and illustrated cash surrender values at the points specified. For contracts without surrender values the yields shall be figured on the basis of the contract values used to determine annuity payments at the points specified.

Ins 2.15(5) (5) Preliminary contract summary. The Preliminary Contract Summary shall include:

Ins 2.15(5)(a) (a) A prominently placed title, PRELIMINARY CONTRACT SUMMARY, followed by an identification of the arrangement to which the statement applies;

Ins 2.15(5)(b) (b) The name and address of the insurance intermediary or, if no intermediary is involved, a statement of the procedure to be followed in order to receive responses to inquiries;

Ins 2.15(5)(c) (c) The full name and home office or administrative office address of the insurer;

Ins 2.15(5)(d) (d) A statement as to whether the arrangement provides any guaranteed death benefits during the deferral period;

Ins 2.15(5)(e) (e) A prominent statement that the contract does not provide cash surrender values, if such is the case;

Ins 2.15(5)(f) (f) For arrangements under which guaranteed cash surrender values at any duration are less than the total scheduled considerations paid, a prominent statement that such contract or fund may result in loss if kept for only a few years;

Ins 2.15(5)(g) (g) Any minimum or maximum premium limitations;

Ins 2.15(5)(h) (h) A prominent description of all fees, charges, and loading amounts that are or may be deducted from initial or subsequent considerations paid or that are or may be deducted from the contract or fund values prior to or at contract maturity, including but not limited to, any surrender penalties, discontinuance fees, partial surrender or withdrawal penalties or fees, transaction fees, and account maintenance fees;

Ins 2.15(5)(i) (i) In the event any sales promotion literature or oral representation illustrates values or annuity payments which are based on dividends, excess interest credits, or current annuity rates, then the Preliminary Contract Summary shall contain a statement that such dividends, excess interest credits, and current annuity purchase rates are not guaranteed and that any corresponding values and annuity amounts are illustrations only and are not guaranteed;

Ins 2.15(5)(j) (j) A statement that the insurer shall provide the prospective customer a Contract Summary upon request.

Ins 2.15(6) (6) Contract summary. The Contract Summary shall include:

Ins 2.15(6)(a) (a) A prominently placed title, CONTRACT SUMMARY, followed by an identification of the arrangement to which the statement applies;

Ins 2.15(6)(b) (b) The name and address of the insurance intermediary or, if no intermediary is involved, a statement of the procedure to be followed in order to receive responses to inquiries;

Ins 2.15(6)(c) (c) The full name and home office or administrative office address of the insurer;

Ins 2.15(6)(d) (d) Any guaranteed death benefits during the deferral period, and the form of annuity payment selected for pars. (f), (g) and (i);

Ins 2.15(6)(e) (e) A prominent statement that the contract does not provide cash surrender values if such is the case;

Ins 2.15(6)(f) (f) The amount of the guaranteed annuity payments at the scheduled commencement thereof, based on the assumption that all scheduled considerations are paid and there are no prior withdrawals from or partial surrenders of the arrangement and no indebtedness to the insurer on the contract;

Ins 2.15(6)(g) (g) Illustrative annuity payments on a current basis, if shown, must be on the same basis as for par. (f) except for guarantees, and may not be greater in amount than those based on:

Ins 2.15(6)(g)1. 1. The current dividend scale and the interest rate currently used to accumulate dividends under such arrangements, or the current excess interest rate credited by the insurer, and

Ins 2.15(6)(g)2. 2. Current annuity purchase rates;

Ins 2.15(6)(h) (h) For arrangements under which guaranteed cash surrender values at any duration are less than the total considerations paid, a prominent statement that such contract or fund may result in loss if kept for only a few years and showing the number of years such a relationship exists, together with a reference to the schedule of guaranteed cash surrender values required by par. (i) 3.;

Ins 2.15(6)(i) (i) The following amounts, where applicable, for the first 5 years and representative years thereafter sufficient to illustrate clearly the patterns of considerations and benefits, including but not limited to the tenth and twentieth contract years and at least one age from 60 through 65 or the scheduled commencement of annuity payments: