Zurich American Life Insurance Company GRIB Illustration Tool

Scudder Destinations^SM Variable Annuity

Guaranteed Retirement Income Benefit

Illustration of Income Options & Commutable Values

The Guaranteed Retirement Income Benefit ("GRIB") in your deferred annuity contract converts upon annuitization to provide fixed lifetime income payments under a supplementary agreement. The level of lifetime income will depend upon the Annuity Option and guaranteed installment period ("Period Certain") selected.

The GRIB may be exercised beginning with the 7th contract anniversary once age 60 is attained, or, for an Annuitant age 44 or younger at issue, the 15th contract anniversary. In any case, it must be exercised prior to attaining age 91.

The GRIB Illustration Tool provided below may be used to illustrate GRIB annuity payment amounts. GRIB annuity payments are paid for the life of a single Annuitant or the lifetimes of two Annuitants. If paid for the lifetimes of two Annuitants, the age of the older Annuitant is used to determine the GRIB base.

Please do not use the GRIB Illustration Tool provided below to illustrate a Joint and Survivor Annuity if the Joint Annuitant will have reached age 80 before GRIB is exercised and the Joint Annuitant is older that the primary Annuitant. The GRIB Illustration Tool will not illustrate properly under these circumstances. Please contact the Annuity Service Center at 1-800-449-0523 for assistance. If you wish to have the GRIB base calculated for illustration purposes under these circumstances.

In addition, the GRIB Illustration Tool only functions to calculate the effect of currently exercising the GRIB rider using a known GRIB base or an assumed GRIB base that the contract owner may input. The GRIB Illustration Tool does not calculate GRIB base into the future and is not useful for other purposes, such as evaluating a buy back offer.

Please enter the following information:

Annuitant:

: Name

: Gender

: Male Female

: Date of birth

: (mm/dd/yyyy)

Joint Annuitant(leave blank if not applicable):

: Gender

: Male Female

: Date of birth

: (mm/dd/yyyy)

: Is the joint annuitant the annuitant's spouse?

: Yes No

: Survivor %

Destinations Contract Data:

: Policy number

: Issue date

: (mm/dd/yyyy)

: Plan type

: Issue State

: Contract value

: $

: GRIB Base/GRIB Value

: $

GRIB Election Data:

: GRIB Election Date

: (mm/dd/yyyy) Must be within one month of Contract Anniversary

: First Payment Date

: (mm/dd/yyyy) Must be 1st or 15th day of the month

Scudder Destinations is a variable, fixed, and market value-adjusted deferred annuity contract (policy form series L-8166 and L-1550) issued by Zurich American Life Insurance Company, administrative office: 2000 Wade Hampton Blvd., Greenville, SC 29615-1

For additional information please contact our Annuity Service Center at (800) 449-0523.

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Scudder Destinations^SM Variable Annuity

Guaranteed Retirement Income Benefit

Illustration of Income Options & Commutable Values

Date of Illustration:	1/08/2008	Contract Number:	ContractNumber
Annuitant:	Name	Plan Type:	IRA
Gender:	Male w/ Female Joint Annuitant	Issue State:	CA
		Premium Tax Rate:	0%

Ages at GRIB Election:		Male 69 / Female 63		Contract Issue Date:		1/18/2001
Projected GRIB Base:		$0		Assumed GRIB Election Date:		1/18/2008
Date of First Payment:		2/01/2008		Annuity Interest Rate Basis:		2.50%
					Commutable Option
Annuity Option:		Joint & 100% Survivor			100%
					1/18/2008
The following payment amounts are based upon the assumptions above:					Maximum	New Annual
Period	Monthly	Quarterly	Semi-annual	Annual	Available as	Period Certain
Certain	Payments	Payments	Payments	Payments	Lump Sum⁽¹⁾	Payment Amount
5 Yrs	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$0
10 Yrs	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$0
15 Yrs	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$0
20 Yrs	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$0
25 Yrs	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$3,001.37	$0
⁽¹⁾ The Maximum Available as Lump Sum values are those for Annual Payments and commutation on the Earliest Commute Date, and include the payment due the same day. Values for other payment frequencies will vary.

NOTES
- GRIB payments are based upon guaranteed values, and may be less than the contract value applied to current annuity rates.

- For tax-qualified contracts, the Period Certain may not exceed life expectancy values based upon the Annuitant's age, as provided by IRS 2006 Publication 590 Table III (Uniform Lifetime Table). As a result, a Period Certain shown above may not be available at time of actual annuitization.

- The Maximum Percentage available under the Commutable Option is determined by the Plan Type and Contract Issue Date of your Destinations contract. Lump sums may be taken for less than the maximum, no more than once per calendar year. Payments during the remainder of the Period Certain will be reduced in proportion to the amount taken. Payments after the Period Certain will resume according to the terms of the supplementary agreement.

- This is an illustration only. Values shown on these pages are not guaranteed, and are subject to change based upon the actual values relating to your Scudder Destinations Contract at time of GRIB Election.

For additional information please contact our Annuity Service Center at (800) 449-0523.