NOTIFICATION TO OWNER PRIOR TO COMMENCING ANNUITY PAYMENTS

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Annuity payments, by default begin on 1st day of month following the month of the annuitant's 85th birthday. Unless a change is requested 30 days prior to 1st annuity payment, annuitant will receive monthly payments for life 10 years certain. Owner may request a change of the method of payment  or extend the annuity date delaying any annuity payments. Is a Florida insurer required to provide prior notification to owner of his or her rights or is insurer only required to provide notification if contract requires or prospectus requires?