exv10w2






Exhibit
10.2


3028-00-00




COINSURANCE REINSURANCE AGREEMENT




BETWEEN




SAFECO LIFE INSURANCE COMPANY

(HEREINAFTER CALLED THE
“Ceding
Company”)

Seattle, Washington, USA




and




RGA REINSURANCE COMPANY

(HEREINAFTER CALLED THE
“Reinsurer”)

St.
Louis, Missouri, USA




This
Agreement is Effective January 1, 1998



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corp., this information has been filed separately with the Securities and Exchange Commission.



 









 





Table of Contents




	 	 	 	 	 	 	 
	Article 	 	Title	 	Page
	I

	 	Parties to the Agreement 
	 	 	3	 
	II

	 	Commencement, Termination and Continuance of Reinsurance 
	 	 	3	 
	III

	 	Scope 
	 	 	4	 
	IV

	 	Coverage 
	 	 	5	 
	V

	 	Liability 
	 	 	6	 
	VI

	 	Reinsurance Premiums and Allowances 
	 	 	6	 
	VII

	 	Reserves 
	 	 	7	 
	VIII

	 	Terminations and Reductions
	 	 	7	 
	IX

	 	Policy Alterations 
	 	 	7	 
	X

	 	Policy Administration and Premium Accounting 
	 	 	9	 
	XI

	 	Claims
	 	 	10	 
	XII

	 	Arbitration
	 	 	11	 
	XIII

	 	Insolvency 
	 	 	12	 
	XIV

	 	Right to Inspect
	 	 	12	 
	XV

	 	Unintentional Errors, Misunderstandings or Omissions
	 	 	13	 
	XVI

	 	Choice of Law, Forum and Language 
	 	 	13	 
	XVII

	 	Alterations to the Agreement 
	 	 	13	 
	XVIII

	 	Execution of the Agreement 
	 	 	14	 






	 	 	 	 	 	 	 
	Schedules 	 	 	 	 	 	 
	I

	 	Reinsurance Specifications 
	 	 	15	 
	II

	 	Retention
	 	 	19	 
	III

	 	Business Covered 
	 	 	20	 
	IV

	 	Reinsurance Premiums 
	 	 	21	 
	V

	 	Limits 
	 	 	31	 
	VI

	 	Sample Statement Specifications 
	 	 	32	 
	VII

	 	Sample Policy Exhibit 
	 	 	33	 
	VIII

	 	Definitions 
	 	 	34	 






2









 





Article I




Parties to the Agreement



Reinsurance required by the Ceding Company will be assumed by the Reinsurer as described in
the terms of this Agreement.



This is an Agreement solely between the Reinsurer and the Ceding Company. In no instance will
anyone other than the Reinsurer or the Ceding Company have any rights under this Agreement, and
the Ceding Company is and will remain solely liable to any insured, policyowner, or beneficiary
under the Original Policies reinsured hereunder.



The current general and special policy conditions, the premium schedules, and underwriting
guidelines of the Ceding Company, applying to the business covered by this Agreement as set out in
the Schedules, will form an integral part of this Agreement. Additions or alterations to any of
these conditions or schedules will be reported to the Reinsurer without delay. In the case of
significant changes, both parties to the Agreement must agree to the new reinsurance conditions.




Article II




Commencement, Termination and Continuance of Reinsurance





	1.	 	Agreement Commencement 
	 
	 	 	Notwithstanding the date on which this Agreement is signed, this Agreement will take
effect as from the date shown in the attached Schedule I, and applies to new business
taking effect on and after this date.
	 
	2.	 	Agreement Termination 
	 
	 	 	This Agreement will be in effect for an indefinite period and may be terminated
as to new reinsurance after the first thirty-six (36) months by the Ceding Company,
or by the Reinsurer at any time upon giving ninety (90) days written notice of termination
to the other party. The day the notice is mailed to the other party’s Home Office, or, if
the mail is not used, the day it is delivered to the other party’s Home Office or to an
Officer of the other party will be the first day of the ninety (90) day period.
	 
	 	 	During the ninety (90) day period, this Agreement will continue to operate in accordance with
its terms.
	 
	3.	 	Policy Termination
	 
	 	 	If the Policy is terminated by death, lapse, surrender or otherwise, the reinsurance will
terminate on the same date. If premiums have been paid on the reinsurance for a period
beyond the termination date, refunds will follow the terms as shown in Schedule I.
	 
	 	 	If the Policy continues in force without payment of premium during any days of grace
pending its surrender, whether such continuance be as a result of a Policy provision or a
practice of the Ceding Company, the reinsurance will also continue without payment of
premium and will terminate on the same date as the Ceding Company’s risk terminates.
	 
	 	 	If the Policy continues in force because of the operation of an Automatic Premium Loan
provision, or other such provision by which the Ceding Company receives compensation for its
risk, then the reinsurance will also continue and the Ceding Company will pay the Reinsurer
the reinsurance premium for the period to the date of termination.





3









 





Article II




Commencement, Termination and Continuance of Reinsurance (Continued)







	4.	 	Continuation of Reinsurance
	 
	 	 	On termination of this Agreement in accordance with the provisions in Paragraph two
of this Article, the reinsurance ceded will remain in force subject to the terms and
conditions of this Agreement until their natural expiry.





Article III




Scope





	1.	 	Retention of the Ceding Company
	 
	 	 	The type and amount of the Ceding Company’s retention on any one life is as shown in
Schedule I. In determining the amounts at risk in each case, any additional death benefits
on the same life (e.g. additional term insurance or family income benefits) will be taken
into account, as will the amounts at risk under any other existing policies, at the tune of
commencement, of the policy ceded under this Agreement.
	 
	 	 	The Ceding Company may alter its retention in respect of future new business at any tune.
The Ceding Company will promptly notify the Reinsurer of such alteration and its
effective date.
	 
	2.	 	Currency
	 
	 	 	All reinsurance to which the provisions of this Agreement apply will be effected in the
same currencies as that  expressed in the Original Policies and as shown in Schedule I.
	 
	3.	 	The Reinsurer’s Share
	 
	 	 	The Reinsurer’s Share is as shown in Schedule I.
	 
	4.	 	Basis of Reinsurance
	 
	 	 	Plans of insurance listed in Schedule I will be reinsured on the basis described in
Schedule I, using the rates given in the Rate Table as shown in Schedule I. 
	 
	5.	 	Reinsurance Allowances
	 
	 	 	The Reinsurer will pay to the Ceding Company the reinsurance allowance, if any, as
shown in Schedule I. If any reinsurance premiums or installments of reinsurance premiums
are returned to the Ceding Company, any corresponding reinsurance allowance previously
credited to the Ceding Company, will be reimbursed to the Reinsurer.
	 
	6.	 	Premium Rate Guarantee
	 
	 	 	Premium Rate Guarantees, if any, are as shown in Schedule I.
	 
	7.	 	Policy Fees
	 
	 	 	Policy fees, if any, are as shown in Schedule I.





4









 





Article III




Scope (Continued)





	8.	 	Taxes
	 
	 	 	Taxes, if any, are shown in Schedule I.
	 
	9.	 	Experience Refund or Profit Commission
	 
	 	 	If an experience refund or profit commission is payable under this Agreement, the
conditions and formula are as shown in Schedule I.
	 
	10.	 	Expense of the Original Policy
	 
	 	 	The Ceding Company will bear the expense of all medical examinations, inspection fees
and other charges incurred in connection with the original policy.





Article IV




Coverage




 Automatic Provisions





For each risk on which reinsurance is ceded, the Ceding Company’s retention at the
time of issue will take into account both currently issued and previously issued policies.




The Ceding Company must cede and the Reinsurer must automatically accept reinsurance, if all
of the following conditions are met for each life:




	 	1.	 	Retention
	 
	 	 	 	The Ceding Company has retained its limit of retention as shown in Schedule I;
and
	 
	 	2.	 	Plans and Riders
	 
	 	 	 	The basic plan or supplementary benefit, if any, is shown in Schedule I; and
	 
	 	3.	 	Automatic Acceptance Limits
	 
	 	 	 	The underwriting class, age, minimum reinsurance amount, binding amounts and
jumbo limits fall within the automatic limits as shown in Schedule I; and
	 
	 	4.	 	Underwriting
	 
	 	 	 	The risk is underwritten according to the Ceding Company’s Standard Guidelines;
and
	 
	 	 	 	The Ceding Company has never made facultative application for reinsurance on the
same life to the Reinsurer or any other Reinsurer; and
	 
	 	5.	 	Residence
	 
	 	 	 	The risk is a resident of the Countries, as shown in Schedule I.





5









 





Article IV




Coverage (Continued)





Automatic Provisions (Continued)





If, for a given application, the Ceding Company cannot comply with the automatic
reinsurance conditions described above, or if the Ceding Company submits the application to
other Reinsurers for their facultative assessment, the Ceding Company can submit this
application to the Reinsurer on a facultative basis.



Facultative Provisions





The Ceding Company will send copies of the original applications, all medical
reports, inspection reports, attending physician’s statement, and any additional
information pertinent to the insurability of the risk to the Reinsurer.




The Ceding Company will also notify the Reinsurer of any underwriting information requested
or received after the initial request for reinsurance is made. For policies which contain
automatic increase provisions, the Ceding Company will inform the Reinsurer of the initial
and ultimate risk amounts for which reinsurance is being requested, or in the case of
indexed amounts, the basis of the indexing.




On a timely basis, the Reinsurer will submit a written decision to the Ceding Company. In
no case will the Reinsurer’s offer on facultative submissions be open after 120 days have
elapsed from the date of the Reinsurer’s offer to participate in the risk. Acceptance of
the offer and delivery of the policy according to the rules of the Ceding Company must
occur within 120 days of the final reinsurance offer. Unless the Reinsurer explicitly
states in writing that the final offer is extended, the offer will be automatically
withdrawn at the end of day 120.




The Reinsurer will not be liable for proceeds paid under the Ceding Company’s conditional
receipt or temporary insurance agreement for risks submitted on a facultative basis.



Article V




Liability



The liability of the Reinsurer for all claims within automatic cover and all claims arising
after facultative acceptance as described in Article IV, will commence simultaneously with that of
the Ceding Company and will cease at the same tune as the liability of the Ceding Company ceases.




Article VI 




Reinsurance Premiums And Allowances





	1.	 	Life Reinsurance
	 
	 	 	Premiums for Life and Supplemental Benefit reinsurance will be as shown in Schedule I.
	 
	2.	 	Substandard Premiums
	 
	 	 	Premiums will be increased by any (flat) extra premium or substandard premium as shown
in Schedule I, charged the insured on the face amount initially reinsured.





6









 





Article VI




Reinsurance Premiums And Allowances (Continued) 





	3.	 	Supplemental Benefits
	 
	 	 	The Reinsurer will receive a proportionate share of any premiums for additional
benefits as shown in Schedule I, as well as for any extra premiums the Ceding Company may
collect for the coverage of special risks (traveling, climate, occupation, etc.). This
share will be based on the ratio between the amount at risk and the total initial benefits
insured and will remain constant throughout the entire period of premium payment.





Article VII




Reserves



Reserve requirements of the Ceding Company, if any, are as shown in Schedule I.




Article VIII




Terminations and Reductions



Terminations or reductions will take place in accordance with the following rules in order of
priority:





	1.	 	The Ceding Company must keep its initial or recaptured retention on the policy.
	 
	2.	 	Termination or reduction of a wholly reinsured policy will not affect other reinsurance inforce.
	 
	3.	 	A termination or reduction on a wholly retained case will cause an equal reduction in
existing automatic reinsurance with the oldest policy being reduced first.
	 
	4.	 	A termination or reduction will be made first to reinsurance of partially reinsured policies
with the oldest policy being reduced first.
	 
	5.	 	If the policies are reinsured with multiple reinsurers, the reinsurance will be reduced by
the ratio of the amount of reinsurance in each company to the total outstanding reinsurance on
the risk involved.
	 
	6.	 	When a policy is reinstated, reinsurance will be reinstated as if the lapse or reduction had not
occurred.





Article IX




Policy Alterations 





	1.	 	Reinstatement
	 
	 	 	Any policy originally reinsured in accordance with the terms and conditions of this
Agreement by the Ceding Company may be automatically reinstated with the Reinsurer as long
as the policy is reinstated in accordance with the terms and rules of the Ceding Company.
Any policy originally reinsured with the Reinsurer on a facultative basis which has been in
a lapsed status for more than ninety (90) days must be submitted with underwriting
requirements and approved by the Reinsurer before it is reinstated. The Ceding Company will
pay the Reinsurer its share of amounts collected or charged for the reinstatement of such
policies.





7









 





Article IX




Policy Alterations (Continued)





	2.	 	Extended Term and Reduced Paid-Up Additions
	 
	 	 	Changes as a result of extended term or reduced paid-up insurance will be handled like
reductions.
	 
	3.	 	Exchanges or Conversions 
	 
	 	 	An exchange or conversion is a new policy replacing a policy issued earlier by the
Ceding Company or a change in an existing policy that is issued or made either:






	 	1.	 	Under the terms of the original policy, or,
	 
	 	2.	 	Without the same new underwriting information the Ceding Company would obtain
in the absence of the original policy,
	 
	 	3.	 	Without a suicide exclusion period, or contestable period of equal duration, to
those contained in new issues by the Ceding Company, or
	 
	 	4.	 	Without the payment of the same allowances in the first year, that the Ceding
Company would have paid in the absence of the original policy.






	 	 	Exchanges or Conversions will be reinsured under this Agreement only if the original policy
was reinsured with the Reinsurer; the amount of reinsurance under this Agreement will not
exceed the amount of the reinsurance on the original policy with the Reinsurer immediately
prior to the exchange or conversion. Premiums will be as shown in Schedule I.






			
	Note:	 	An original date policy Reissue will not be treated as a continuation of the original
policy. It will be treated as a new policy and the original policy will be treated as Not
Taken. All premiums previously paid to the Reinsurer for the original policy will be refunded
to the Ceding Company. All premiums will be due on the new policy from the original issue date
of the old policy.






			
	Note:	 	Re-Entry, e.g. wholesale replacement and similar programs are not covered under this
Article. If Re-Entry is applicable to this treaty, then it will be covered in Schedule I.





8









 





Article X




Policy Administration and Premium Accounting 





	1.	 	Accounting Period and Premium Due
	 
	 	 	The Ceding Company will submit accounts to the Reinsurer, for reporting new business,
alterations, terminations, renewals, claims, and premium due, as shown in Schedule I.
	 
	2.	 	Accounting Items
	 
	 	 	The accounts will contain a list of premiums due for the current accounting period,
explain the reason for each premium payment, show premium subtotals adequate to use for
premium accounting, including first year and renewal year premiums and allowances. The
account information should provide the ability to evaluate retention limits, premium
calculations and to establish reserves.
	 
	3.	 	Reinsurance Administration Requirements
	 
	 	 	Reinsurance Administration Requirements are as shown in Schedule I.
	 
	4.	 	Payment of Balances
	 
	 	 	The Ceding Company will pay any balance due the Reinsurer, at the same time as the
account is rendered, but in all cases, by the Accounting and Premium Due frequency as shown
in Schedule I. The Reinsurer will pay any balance due the Ceding Company, at the same time
as the account is confirmed, however, at the latest, within thirty (30) days after receipt
of the statement of account. Should the Reinsurer be unable to confirm the account in its
entirety, the confirmed portion of the balance will be paid immediately. As soon as the
account has been fully confirmed, the difference will be paid immediately by the debtor.
All balances not paid within thirty (30) days of the due date shown on the statement will
be in default.
	 
	5.	 	Balances in Default
	 
	 	 	The Reinsurer will have the right to terminate this Agreement, when balances are in
default, by giving ninety (90) days written notice of termination to the Ceding Company. As
of the close of the last day of this ninety (90) day notice period, the Reinsurer’s
liability for all risks reinsured under this Agreement will terminate. The first day of
this ninety (90) day notice of termination, resulting from default as described in
paragraph four of this Agreement, will be the day the notice is received in the mail by the
Ceding Company, or if the mail is not used, the day it is delivered to the Ceding Company.
If all balances in default are received within the ninety (90) day time period, the
Agreement will remain in effect. The interest payable on balances in default is stipulated
as shown in Schedule I.
	 
	6.	 	Offset
	 
	 	 	Any amounts due, by either of the parties to this Agreement, whether they arise out of
this Agreement, or out of any other reinsurance relationship between the parties, may be
offset against the claims of the other party. This right will continue to exist after the
termination of this Agreement, or of any business relationship between the parties.





9









 





Article XI




Claims





	1.	 	Notice
	 
	 	 	The Ceding Company will promptly notify the Reinsurer of all claims.
	 
	2.	 	Proofs
	 
	 	 	In every case of loss, copies of the proofs obtained by the Ceding Company will be
taken by the Reinsurer as sufficient. Copies thereof, together with proof of the amount
paid on such claim by the Ceding Company will be furnished to the Reinsurer when requesting
its share of the claim.
	 
	3.	 	Payment of Benefits
	 
	 	 	The Reinsurer will pay its share of all payable claims, however, if the amount
reinsured with the Reinsurer is more than the amount retained by the Ceding Company and the
claim is contestable, all papers in connection with such claim, including all underwriting
and investigation papers, must be submitted to the Reinsurer for its recommendation before
admission of any liability on the part of the Ceding Company.
	 
	 	 	If the amount of insurance changes because of a misstatement of rate classification, the
Reinsurer’s share of reinsurance liability will change proportionately.
	 
	4.	 	Contested Claims
	 
	 	 	The Ceding Company will notify the Reinsurer of its intention to contest, compromise,
or litigate a claim. Unless it declines to be a party to such action, the Reinsurer will
pay its share of any settlement up to the maximum that would have been payable under the
specific policy had there been no controversy plus its share of specific expenses, except
as specified below.
	 
	5.	 	Claims Expenses
	 
	 	 	If the Reinsurer declines to be a party to the contest, compromise, or litigation of
a claim, it will pay its full share of the amount reinsured, as if there had been no
contest, compromise, or litigation, and its proportionate share of covered expenses
incurred to the date, from the date it notifies the Ceding Company it declines to be a
party.
	 
	6.	 	Extra Contractual Obligations
	 
	 	 	In no event will the following categories of expenses or liabilities be reimbursed:







	 	a.	 	Routine investigative or administrative expenses;
	 
	 	b.	 	Salaries of employees or other internal expenses of the Ceding Company or the
original issuing Companies;
	 
	 	c.	 	Extra contractual damages, including punitive damages and exemplary damages; or
	 
	 	d.	 	Expenses incurred in connection with a dispute or contest arising out of
conflicting or any other claims of entitlement to policy proceeds or benefits.





10









 





Article XII




Arbitration 





	1.	 	General
	 
	 	 	The parties agree to act in all things with the highest good faith. However, if the
parties cannot mutually resolve a dispute or claim, which arises out of, or in connection
with this Agreement, including formation and validity, and whether arising during, or after
the period of this Agreement, the dispute or claim will be referred to an arbitration
tribunal (a group of three arbitrators), and settled through arbitration.
	 
	 	 	The arbitrators will be individuals, other than from the contracting companies, including
those who have retired, with more than ten (10) years insurance or reinsurance experience
within the industry.
	 
	 	 	The arbitrators will base their decision on the terms and conditions of this Agreement
plus, as necessary, on the customs and practices of the insurance and reinsurance industry
rather than solely on a strict interpretation of the applicable law; there will be no
appeal from their decision, and any court having jurisdiction of the subject matter, and
the parties, may reduce that decision to judgment.
	 
	2.	 	Notice
	 
	 	 	To initiate arbitration, either party will notify the other party by Certified Mail
of its desire to arbitrate, stating the nature of the dispute and the remedy sought. The
party to which the notice is sent, will respond to the notification in writing, within ten
(10) days of its receipt.
	 
	3.	 	Procedure
	 
	 	 	Each of the two parties will appoint one arbitrator, and these two arbitrators will
select the third arbitrator. Upon the selection of the third arbitrator, the arbitration
tribunal will be constituted, and the third arbitrator will act as Chairman of the
tribunal.
	 
	 	 	If either party fails to appoint an arbitrator within sixty (60) days after the other party
has given notice of appointing an arbitrator, then the Arbitration Association, as shown in
Schedule I, will appoint an arbitrator for the party that has failed to do so.
	 
	 	 	The party that has failed to appoint an arbitrator will be responsible for all expenses
levied by the Arbitration Association, for such appointment. Should the two arbitrators be
unable to agree on the choice of the third arbitrator, then the appointment of this
arbitrator is left to the Arbitration Association. Such expense shall be borne equal by
each party to this Agreement.
	 
	 	 	The tribunal, may in its sole discretion make orders and directions as it considers to be
necessary for the final determination of the matters in dispute. Such orders and directions
may be necessary with regard to pleadings, discovery, inspection of documents, examination
of witnesses and any other matters relating to the conduct of the arbitration. The
tribunal, will have the widest discretion permissible under the law, and practice of the
place of arbitration, when making such orders or directions.
	 
	4.	 	Arbitration Costs
	 
	 	 	All costs of the arbitration will be determined by the tribunal, which may take into
account the law and practice of the place of arbitration, and in what manner arbitration
costs will be paid, and by whom.





11









 





Article  XII




Arbitration (Continued)





	5.	 	Place of Arbitration
	 
	 	 	The place of arbitration is as shown in Schedule I.
	 
	6.	 	Arbitration Settlement
	 
	 	 	The award of the tribunal, will be in writing, and binding upon the consenting
parties.





Article XIII




Insolvency 



In the event of the insolvency of the Ceding Company, all reinsurance will be payable
directly to the liquidator, receiver, or statutory successor of the Ceding Company without
diminution.



In the event of insolvency of the Ceding Company, the liquidator, receiver, or statutory successor
will immediately give written notice to the Reinsurer of all pending claims against the Ceding
Company on any policies reinsured. While a claim is pending, the Reinsurer may investigate and
interpose, at its own expense, in the proceedings where the claim is adjudicated, any defense or
defenses which it may deem available to the Ceding Company or its liquidator, receiver, or
statutory successor. The expense incurred by the Reinsurer will be chargeable, subject to court
approval against the Ceding Company as part of the expense of liquidation to the extent of a
proportionate share of the benefit which may accrue to the Ceding Company solely as a result of
the defense undertaken by the Reinsurer. Where two or more Reinsurers are participating in the
same claim and a majority in interest elect to interpose a defense or defenses to any such claim,
the expense will be apportioned in accordance with the terms of the reinsurance agreement as
though such expense had been incurred by the Ceding Company.



Any debts or credits, matured or unmatured, liquidated or unliquidated, in favor of or against,
either the Reinsurer or the Ceding Company, with respect to this Agreement or with respect to any
other claim of one party against the other, are deemed mutual debts or credits, as the case may
be, and will be offset, and only the balance will be allowed or paid.




Article XIV




Right To Inspect



Upon request the Ceding Company will furnish the Reinsurer with detailed information
concerning the risks reinsured under this Agreement. In particular the Reinsurer will be entitled
to request that:





	1.	 	Copies of the whole or part of any documents relating to the risks and their reinsurance be
made available to the Reinsurer at its own expense;
	 
	2.	 	During the Ceding Company’s normal office hours these documents will be made available to a
representative of the Reinsurer who will be named in advance; notification of such visits will
normally be given two weeks in advance and even in urgent cases at least forty-eight hours in
advance; and
	 
	3.	 	The Reinsurer will have this right of inspection as long as one of the two parties to this
Agreement is claiming from the other.





12









 





Article XV




Unintentional Errors, Misunderstandings or Omissions



It is expressly understood and agreed that if failure to comply with any terms of this
Agreement is hereby shown to be the result of an unintentional error, misunderstanding or
omission, on the part of either the Ceding Company or the Reinsurer, both the Ceding Company and
the Reinsurer, will be restored to the position they would have occupied, had no such error,
misunderstanding or omission occurred, subject always to the correction of the error,
misunderstanding or omission.




Article XVI




Choice of Law, Forum, and Language




 Choice of Law and Forum 



This Agreement, will in all respects be governed by, and construed in accordance with the law
and exclusive jurisdiction of the Courts, as shown in Schedule I.




Article XVII




Alterations
To The Agreement



This reinsurance Agreement constitutes the entire Agreement between the parties, with
respect to the business being reinsured hereunder, and there are no understandings between the
parties other than as expressed in this Agreement. Any alterations to the provisions of this
Agreement will be made by Amendment, Addenda or by correspondence attached to the Agreement
embodying such alterations as may be agreed upon and signed by both parties. These documents will
be regarded as part of this Agreement and will be equally binding.





13









 





Article
XVIII




Execution
of

the Agreement 




In
Witness Of The
Above,




SAFECO LIFE INSURANCE COMPANY




OF




Seattle,
Washington, USA




and




RGA REINSURANCE COMPANY




OF




St.
Louis, Missouri, USA
  


Have
by Their Respective Officers
Executed and delivered
this Agreement in Duplicate on
the Dates Indicated Below:




	 	 	 	 	 
	SAFECO LIFE INSURANCE COMPANY
	 	 
	 	 
	 	 
	
By: 	 /s/  Jennifer Davies
	 	By: 	 /s/  James A. Mankin
	 	 
	 	 
	Title:
Asst. VP
	 	Title:
Actuary
	 	 
	 	 
	Date:
 3/11/98
	 	 
	 	 
	 	 
	RGA REINSURANCE COMPANY

	 	 	 
	 	 
	 	 
	By: 	 /s/  Larry Shorey
	 	 
	 	 
	 	 
	                                                       
	Title:
Sales VP 
	 	 
	                                                        
	 	 
	 	 
	Date:
 3/11/98
	 	 







14










 





Schedule I




Reinsurance Specifications







Commencement and Termination of Reinsurance, Article II:






	 	 	 	 	 
	1.

	 	Effective Date:
	 	This Agreement applies to policies with
applications received by the Ceding Company on and
after January 1, 1998.
	 
	 	 	 	 
	2.

	 	Policy Termination: Refunds:
	 	Unearned premium will be refunded on lapses,
terminations and death.









Scope, Article III:






	 	 	 	 	 
	1.

	 	Retention of the Ceding Company:
	 	See Schedule II, Retention
	 
	 	 	 	 
	2.

	 	Currency:
	 	United States Dollars (“US$”)
	 
	 	 	 	 
	3.

	 	The Reinsurer’s Share:
	 	First Dollar Quota Share, See Schedule V, Limits
	 
	 	 	 	 
	4.

	 	Plans of Reinsurance:
	 	See Schedule III, Business Covered
	 
	 	 	 	 
	5.

	 	Basis of Reinsurance:
	 	Coinsurance
	 
	 	 	 	 
	6.

	 	Reinsurance Allowance:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	7.

	 	Premium Rate Guarantee:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	8.

	 	Policy Fees:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	9.

	 	Taxes:
	 	DAC, Premium
	 
	 	 	 	 
	 

	     DAC Tax Regulations	 	 







The Ceding Company and the Reinsurer hereby agree to the following pursuant
to Section 1.848-2(g)(8) of the Income Tax Regulations issued December 29, 1992,
under Section 848 of the Internal Revenue Code of 1986, as amended.




	 	1.	 	The term “parry” will refer to either the Ceding Company or the Reinsurer as
appropriate.
	 
	 	2.	 	The terms used in this Article are defined by reference to
Treasury Regulation Section 1.848-2 in effect as of December 29, 1992. The term “net consideration” will refer to
net consideration as defined in Treasury Regulation Section 1.848-2(f).





15









 





Schedule I




Reinsurance Specifications (Continued)







Scope,
Article III:







	 	9.	 	Taxes
(Continued):






	 	3.	 	The party with the net positive consideration for this Agreement for each
taxable year will
capitalize specified policy acquisition expenses with respect to this
Agreement without regard to the general deductions limitation of IRS Section 848(c)(l).
	 
	 	4.	 	The Ceding Company and the Reinsurer agree to exchange
information pertaining to the amount of net consideration under this Agreement each year to ensure consistency.
The Ceding Company and the Reinsurer also agree to exchange information which may be
otherwise required by the IRS.
	 
	 	5.	 	The Ceding Company will submit a schedule to the Reinsurer by
April 1 of each year of its calculation of the net consideration for the preceding calendar year. This
schedule of calculations will be accompanied by a statement signed by an officer of the Ceding Company
stating that the Ceding Company will report such net consideration in its tax return for the
preceding calendar year.
	 
	 	6.	 	The Reinsurer will respond to the Ceding Company within thirty
(30) days of receipt of the schedule and the Reinsurer may contest such calculation by providing an
alternative calculation to the Ceding Company. If the Reinsurer does not so notify the Ceding
Company, the Reinsurer will report the net consideration as determined by the Ceding Company in the
Reinsurer’s tax return for the previous calendar year.
	 
	 	7.	 	If the Reinsurer contests the Ceding Company’s calculation of
the net consideration, the parties will act in good faith to reach an agreement as to the correct amount. If
the Ceding Company and the Reinsurer reach agreement on an amount of net consideration, each
parry will report such amount in their respective tax returns for the previous calendar year.
If the Ceding Company and the Reinsurer fail to reach agreement on an amount of net
consideration, each party may choose to report their own determination of net consideration on
their respective tax returns.






	 	 	 	Premium Tax:
	 
	                                                       
	 	 	 	All reinsurance premiums paid to the Reinsurer by the Ceding Company shall be
subject to a state premium tax reimbursement. The method of calculating the state premium tax
reimbursement shall be to apply a [***] tax rate against the reinsurance premiums paid. State premium tax
reimbursement shall continue to be paid annually, so long as the current method of
paying state premium taxes remains unchanged.
	                                                        








Coverage, Article IV:






	 	 	 	 	 
	1.

	 	Retention:
	 	See Schedule II, Retention
	 
	 	 	 	 
	2.

	 	Plan(s) and Rider(s):
	 	See Schedule III, Business Covered
	 
	 	 	 	 
	3.

	 	Automatic Acceptance Limits:
	 	See Schedule V, Limits





Portions marked [***] have been omitted pursuant to a Confidential Treatment Request
by Symetra Financial Corp., this information has been filed separately with the Securities
and Exchange Commission.




16









 








Schedule I




Reinsurance Specifications (Continued)







Coverage, Article IV (Continued):






	 	 	 	 	 
	4.

	 	Underwriting Class:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	5.

	 	Residence:
	 	United States, Canada, Puerto Rico or Guam










Reinsurance Premiums and Allowances, Article VI:






	 	 	 	 	 
	1.

	 	Life
Reinsurance:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	2.

	 	Substandard
Premiums:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	3.

	 	Supplementary
Benefits:
	 	See Schedule IV, Reinsurance Premiums









Reserves, Article VII:







The Ceding Company agrees to post on its books any deficiency reserves on the coverage
reinsured under this Agreement.






POLICY ALTERATIONS, ARTICLE IX:






	 	 	 	 	 
	1.

	 	Exchanges or Conversions:
	 	See Schedule IV, Reinsurance Premiums
	 
	 	 	 	 
	2.

	 	Re-Entry’s:
	 	See Schedule IV, Reinsurance Premiums









Policy Administration and Premium Accounting, Article X:






	 	 	 	 	 
	1.

	 	Accounting Period and Premium Due:
	 	Quarterly in Arrears
	 
	 	 	 	 
	2.

	 	Accounting Items:
	 	See Schedule VI, Sample Statement Specifications and Schedule VII, Sample Policy Exhibit
	 
	 	 	 	 
	3.

	 	Reinsurance Administration:
	 	Self Administration (Client Administers)






17









 










Schedule I




Reinsurance
Specifications (Continued)







Policy Administration and Premium Accounting, Article X (Continued):







	 	4.	 	Balances in Default:






	 	The Reinsurer reserves the right to charge interest at the Prime Rate plus 2% as
published in the Wall Street Journal on the
1st business day in January prior to the
due date of the premium when:
	 
	 	a.	 	Renewal premiums are not paid within sixty (60) days of the due date.
	 
	 	b.	 	Premiums for new business are not paid within one hundred
twenty (120) days of the date the policy is issued.








Arbitration, Article XII:






	 	 	 	 	 
	1.

	 	Arbitration Association:
	 	American Arbitration Association
	 
	 	 	 	 
	2.

	 	Place of Arbitration:
	 	St. Louis, Missouri, USA









Choice of Law, Forum and Language, Article XVI:






	 	 	 	 	 
	 

	 	Choice of Law and Forum:
	 	Missouri, USA






18









 





Schedule II




Retention



The Ceding Company will retain 50% of each risk up to a maximum retention of $500,000
per any one insured.




19









 





Schedule III




Business Covered




Effective
January 1, 1998







Plan(s)






Expert Series:




5 Year Level Term

10 Year Level Term

15 Year Level Term

20 Year Level Term







Rider(s)






Accelerated Benefit Option (ABO)

Accidental Death Benefit (ADB)

Additional Term Rider (ATR)

Business Needs Option (BNO)

Guaranteed Insurability Option (GIO)

Insured Children’s Benefit (ICB)

Safety and Transportation Benefits

Waiver of Premium (WP)




20









 





Schedule IV




Reinsurance Premiums







Life:







COINSURANCE:




Business Covered, as shown in Schedule III will be reinsured on a coinsurance
basis. Reinsurance premiums will be determined according to the amount reinsured
with the Reinsurer per insured life as follows. The life reinsurance premium will be
calculated in the case of life risks, by multiplying the appropriate life premium
rate, from the attached Rate Table labeled below, for the age of the insured, at the
beginning of the policy year, by the amount at risk reinsured for that policy year,
less the applicable allowance as shown below. The same procedure will apply for
single premium policies and for paid up policies.






	 	 	 	 	 	 	 	 	 	 	 	 	 
	Plan(s)	 	Rate Table	 	Year1	 	Years 2+
	5 Year Level Term
	 	 	S-l	 	 	 	[***]	 	 	 	[***]	 
	10 Year Level Term
	 	 	S-2	 	 	 	[***]	 	 	 	[***]	 
	15 Year Level Term
	 	 	S-3	 	 	 	[***]	 	 	 	[***]	 
	20 Year Level Term
	 	 	S-4	 	 	 	[***]	 	 	 	[***]	 






The Reinsurer shall have the right to increase the renewal reinsurance rates shown
in this Agreement by giving to the Ceding Company at least 30 (thirty) days advance
written notice describing the increase and stating the rate increase date. This rate
increase and the revised renewal commission allowances indicated by the following
formula will apply with respect to policy anniversary dates occurring on and after
the rate increase date.




The Revised Renewal Commission Allowance formula is:




[***]




The revised annual reinsurance premium per $1,000 shall not exceed the applicable
reinsurance rates contained in this Agreement or the one year term rate on the
appropriate multiple of the applicable Commissioner’s 1980 Standard Ordinary Mortality
Table, whichever is greater.




A policy fee of [***] will apply in all years. The Reinsurer will receive its
participation percentage as shown in Schedule V of the applicable policy fee. The above allowances will also apply to the policy
fee.








Substandard Premiums:







Substandard Table Extra




Premiums will be increased by any (flat) extra premium or substandard premium
charged the insured on the face amount initially reinsured. For substandard table ratings, premiums will be
increased by the following percent per table:



[***]



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed separately
with the Securities and Exchange Commission.




21









 





Schedule
IV




Reinsurance Premiums (Continued)





Flat Extra Premiums




The premium will be increased by any flat extra premium charged the insured on the
face amount initially reinsured, less total allowances as shown below:






	 	 	 	 	 
	First Year Permanent	 	First Year Temporary	 	 
	Payable 6 Years or More:	 	Payable 1-5 Years:	 	Renewal:
	[***]

	 	[***]
	 	[***]








Supplemental Benefits:







Accidental Death Benefit (ADB):




The premium to be paid for reinsurance of Accidental Death Benefit will be [***]
per $1000 of coverage,




Accelerated Benefit Option (ABO):




There are no charges for these benefits.




Additional Term Rider (ATR):




Select and Preferred classes are available for the Additional Term Rider.




[***]




Business Needs Option:




The Ceding Company shall retain all premium collected under this rider.
However, upon exercise of the associated option, the Ceding Company shall pay the
Reinsurer the single premium based on the rates in Rate Table S-7.




Guaranteed Insurability Option:




The Ceding Company shall retain all premium collected under this rider.
However, upon exercise of the associated option, the Ceding Company shall pay the
Reinsurer the single premium based on the rates in Rate Table S-7.




Insured Children’s Benefit (ICB):




The Ceding Company shall retain all premium and risk associated with this
benefit.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request
by Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




22









 








Schedule
IV




Reinsurance
Premiums (Continued)







Supplemental Benefits (Continued):







Safety and Transportation Benefits:




This rider will pay an additional amount, if death occurs due to an automobile
accident and/or during travel. Otherwise, there are no charges for these benefits.




Waiver of Premium:




The
premium to be paid for reinsurance of Waiver of Premium benefits will be
based on the attached Rate Table labelled S-5, [***] allowance in the first year and
[***] allowance in renewal years.







Re-Entry’s:







In the event of re-entry in accordance with the Ceding Company’s rules, the fully
underwritten policy will be treated as new business, commencing with first year
allowances.






Conversions or Exchanges:







Routine conversions and exchanges shall terminate reinsurance of the converted or
exchanged policies under this Agreement.




However, should the Ceding Company institute a special program to encourage or reward
conversions or exchanges, and any business covered under this Agreement subsequently
converts or exchanges to any other plan, the following shall apply:




If the new plan is reinsured by the Reinsurer, then such business will be reinsured at
the rates as shown in the Agreement covering the new plan. Rates and allowances, or pay
percentages, applicable to the new plan will be determined at point in scale based on the
original policy that is being converted or exchanged. If the Agreement including the new
rates requires policy fees, then they will also apply to the new plan.




If the new plan is not reinsured with the Reinsurer, then such business will be reinsured
with the Reinsurer, at the rates and policy fees as shown below. Rates will be determined
at point in scale, based on the original policy that is being converted or exchanged.



Rate Table S-6




 




Portions marked[***] have been omitted pursuant to a Confidential
Treatment Request by Symetra Financial Corp., this information has been
filed separately with the Securities and Exchange Commission.




23









 







Schedule IV




Reinsurance Premiums







Rate
Schedule S-1







24










 





3028-00-00


S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Males – Years 1-5




[***] Policy Fee






	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	21
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	22
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	23
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	24
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	26
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.06
	27
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.08
	28
	 	0.59	 	0.69	 	0.90	 	1.26	 	2.09
	29
	 	0.59	 	0.69	 	0.90	 	1.27	 	2.11
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.59	 	0.69	 	0.90	 	1.30	 	2.13
	31
	 	0.59	 	0.69	 	0.90	 	1.33	 	2.13
	32
	 	0.59	 	0.69	 	0.90	 	1.36	 	2.13
	33
	 	0,59	 	0.69	 	0.90	 	1.42	 	2.14
	34
	 	0.59	 	0.69	 	0.90	 	1.48	 	2.17
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.59	 	0.69	 	0.90	 	1.55	 	2.22
	36
	 	0.60	 	0.71	 	0.94	 	1.64	 	2.30
	37
	 	0.62	 	0.73	 	1.01	 	1.74	 	2.42
	38
	 	0.64	 	0.77	 	1.09	 	1.86	 	2.56
	39
	 	0.67	 	0.81	 	1.18	 	2.01	 	2.74
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.71	 	0.87	 	1.27	 	2.18	 	2.96
	41
	 	0.76	 	0.94	 	1.37	 	2.39	 	3.22
	42
	 	0.83	 	1.02	 	1.47	 	2.63	 	3.51
	43
	 	0.90	 	1.11	 	1.59	 	2.89	 	3.85
	44
	 	0.98	 	1.21	 	1.72	 	3.18	 	4.22
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.07	 	1.32	 	1.86	 	3.48	 	4.63
	46
	 	1.16	 	1.43	 	2.02	 	3.79	 	5.07
	47
	 	1.26	 	1.56	 	2.20	 	4.13	 	5.55
	48
	 	1.37	 	1.69	 	2.40	 	4.48	 	6.08
	49
	 	1.49	 	1.84	 	2.61	 	4.86	 	6.64





 




Portions
marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Males – Years 1-5




[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1,62	 	2.00	 	2.84	 	5.27	 	7.24
	51
	 	1.76	 	2.18	 	3.07	 	5.71	 	7.88
	52
	 	1.91	 	2.37	 	3.33	 	6.19	 	8.58
	53
	 	2.08	 	2.59	 	3.61	 	6.70	 	9.33
	54
	 	2.27	 	2.83	 	3.93	 	7.25	 	10.13
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.47	 	3.07	 	4.28	 	7.79	 	10.95
	56
	 	2.68	 	3.32	 	4.66	 	8.32	 	11.76
	57
	 	2.92	 	3.59	 	5.09	 	8.88	 	12.63
	58
	 	3.20	 	3.90	 	5.58	 	9.53	 	13.63
	59
	 	3.53	 	4.27	 	6.17	 	10.32	 	14.86
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	3.92	 	4.73	 	6.87	 	11.29	 	16.39
	61
	 	4.39	 	5.29	 	7.71	 	12.49	 	18.29
	62
	 	4.94	 	5.95	 	8.68	 	13.90	 	20.53
	63
	 	5.56	 	6.69	 	9.77	 	15.52	 	23.07
	64
	 	6.25	 	7.50	 	10.98	 	17.39	 	25.90
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	7.00	 	8.37	 	12.30	 	19.53	 	29.03
	66
	 	7;81	 	9.29	 	13.73	 	21.98	 	32.48
	67
	 	8.69	 	10.30	 	15.30	 	24.73	 	36.22
	68
	 	9.65	 	11.39	 	17.01	 	27.71	 	40.24
	69
	 	10.71	 	12.55	 	18.87	 	30.88	 	44.53
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	11.88	 	13.76	 	20.86	 	34.19	 	49.10
	71
	 	13.17	 	14.97	 	22.97	 	37.61	 	53.99
	72
	 	14.60	 	16.26	 	25.25	 	41.22	 	59.20
	73
	 	16.15	 	17.T4	 	27.76	 	45.04	 	64.63
	74
	 	17.81	 	19.53	 	30.56	 	49.07	 	70.09
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	19.54	 	21.77	 	33.69	 	53.22	 	75.25





 




Portions
marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Males – Years 6-10



[***] Policy Fee






	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	21
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.06
	22
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.08
	23
	 	0.59	 	0.69	 	0.90	 	1.26	 	2.09
	24
	 	0.59	 	0.69	 	0.90	 	1.27	 	2.11
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.59	 	0.69	 	0.90	 	1.30	 	2.13
	26
	 	0.59	 	0.69	 	0.90	 	1.33	 	2.13
	27
	 	0.59	 	0.69	 	0.90	 	1.36	 	2.13
	28
	 	0.59	 	0.69	 	0.90	 	1.42	 	2.14
	29
	 	0.59	 	0.69	 	0.90	 	1.48	 	2.17
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.59	 	0.69	 	0.90	 	1.55	 	2.22
	31
	 	0.60	 	0.71	 	0.94	 	1.64	 	2.30
	32
	 	0.62	 	0.73	 	1.01	 	1.74	 	242
	33
	 	0.64	 	0.77	 	1.09	 	1.86	 	2.56
	34
	 	0.67	 	0.81	 	1.18	 	2.01	 	2.74
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.71	 	0.87	 	1.27	 	2.18	 	2.96
	36
	 	0.76	 	0.94	 	1.37	 	2.39	 	3.22
	37
	 	0.83	 	1.02	 	1.47	 	2.63	 	3.51
	38
	 	0.90	 	1.11	 	1.59	 	2.89	 	3.85
	39
	 	0.98	 	1.21	 	1.72	 	3.18	 	4.22
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	1.07	 	1.32	 	1.86	 	3.48	 	4.63
	41
	 	1.16	 	1.43	 	2.02	 	3.79	 	5.07
	42
	 	1.26	 	1.56	 	2.20	 	4.13	 	5.55
	43
	 	1.37	 	1.69	 	2.40	 	4.48	 	6.08
	44
	 	1.49	 	1.84	 	2.61	 	4.86	 	6.64
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.62	 	2.00	 	2.84	 	5.27	 	7.24
	46
	 	1.76	 	2.18	 	3.07	 	5.71	 	7.88
	47
	 	1.91	 	2.37	 	3.33	 	6.19	 	8.58
	48
	 	2.08	 	2.59	 	3.61	 	6.70	 	9.33
	49
	 	2.27	 	2.83	 	3.93	 	7.25	 	10.13





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Males – Years 6-10



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	2.47	 	3.07	 	4.28	 	7.79	 	10.95
	51
	 	2.68	 	3.32	 	4.66	 	8.32	 	11.76
	52
	 	2.92	 	3.59	 	5.09	 	8.88	 	12.63
	53
	 	3.20	 	3.90	 	5.58	 	9.53	 	13.63
	54
	 	3.53	 	4.27	 	6.17	 	10.32	 	14.86
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	3.92	 	4.73	 	6.87	 	11.29	 	16.39
	56
	 	4.39	 	5.29	 	7.71	 	12.49	 	18.29
	57
	 	4.94	 	5.95	 	8.68	 	13.90	 	20.53
	58
	 	5.56	 	6.69	 	9.77	 	15.52	 	23.07
	59
	 	6.25	 	7.50	 	10.98	 	17.39	 	25.90
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	7.00	 	8.37	 	12.30	 	19.53	 	29.03
	61
	 	7:81	 	9.29	 	13.73	 	21.98	 	32.48
	62
	 	8.69	 	10.30	 	15.30	 	24.73	 	36.22
	63
	 	9.65	 	11.39	 	17.01	 	27.71	 	40.24
	64
	 	10.71	 	12.55	 	18.87	 	30.88	 	44.53
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	11.88	 	13.76	 	20.86	 	34.19	 	49.10
	66
	 	13.17	 	14.97	 	22.97	 	37.61	 	53.99
	67
	 	14.60	 	16.26	 	25.25	 	41.22	 	59.20
	68
	 	16.15	 	17.74	 	27.76	 	45.04	 	64.63
	69
	 	17.81	 	19.53	 	30.56	 	49.07	 	70.09
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	19.54	 	21.77	 	33.69	 	53.22	 	75.25
	71
	 	21.37	 	24.59	 	37.26	 	57.58	 	80.09
	72
	 	23.23	 	27.85	 	41.13	 	61.95	 	84.44
	73
	 	25.27	 	31.47	 	45.38	 	66.72	 	89.11
	74
	 	27.62	 	35.38	 	50.09	 	72.29	 	94.94
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	30.40	 	39.52	 	55.33	 	79.04	 	102.75





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Females – Years 1-5




[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	21
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	22
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	23
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	24
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	26
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	27
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	28
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	29
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	31
	 	0.51	 	0.60	 	0.79	 	1.08	 	1.81
	32
	 	0.51	 	0.60	 	0.79	 	1.10	 	1.81
	33
	 	0.51	 	0.60	 	0.79	 	1.13	 	1.82
	34
	 	0.51	 	0.60	 	0.79	 	1.18	 	1.85
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.51	 	0.60	 	0.79	 	1.25	 	1.90
	36
	 	0.52	 	0.61	 	0.81	 	1.34	 	1.98
	37
	 	0.53	 	0.64	 	0.85	 	1.45	 	2.09
	38
	 	0.55	 	0.66	 	0.90	 	1.57	 	2.21
	39
	 	0.57	 	0.69	 	0.95	 	1.70	 	2.35
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.60	 	0.73	 	1.00	 	1.84	 	2.50
	41
	 	0.63	 	0.77	 	1.06	 	1.99	 	2.65
	42
	 	0.67	 	0.82	 	1.12	 	2.15	 	2.81
	43
	 	0.71	 	0.87	 	1.19	 	2.31	 	2.98
	44
	 	0.75	 	0.93	 	1.27	 	2.46	 	3.17
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	0.80	 	0.99	 	1.36	 	2.60	 	3.40
	46
	 	0.86	 	1.06	 	1.47	 	2.70	 	3.67
	47
	 	0.92	 	1.14	 	1.59	 	2.79	 	3.96
	48
	 	0.99	 	1.22	 	1.72	 	2.88	 	4.29
	49
	 	1.06	 	1.31	 	1.85	 	3.01	 	4.62





 




Portions
marked [***] have been omitted Pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Females – Years 1-5



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.13	 	1.40	 	1.99	 	3.19	 	4.95
	51
	 	1.20	 	1.49	 	2.12	 	3.45	 	5.26
	52
	 	1.28	 	1.58	 	2.26	 	3.78	 	5.58
	53
	 	1.36	 	1.68	 	2.41	 	4.15	 	5.92
	54
	 	1.46	 	1.80	 	2.57	 	4.53	 	6.31
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	1.58	 	1.95	 	2.77	 	4.89	 	6.76
	56
	 	1.72	 	2.13	 	3.00	 	5.21	 	7.29
	57
	 	1.88	 	2.33	 	3.26	 	5.53	 	7.89
	58
	 	2.06	 	2.56	 	3.55	 	5.88	 	8.56
	59
	 	2.25	 	2.81	 	3.88	 	6.28	 	9.30
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	2.46	 	3.06	 	4.24	 	6.75	 	10.11
	61
	 	2.68	 	3.32	 	4.63	 	7.30	 	10.99
	62
	 	2.92	 	3.60	 	5.07	 	7.93	 	11.96
	63
	 	3.19	 	3.91	 	5.56	 	8.67	 	13.03
	64
	 	3.48	 	4.23	 	6.08	 	9.54	 	14.18
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	3.79	 	4.57	 	6.63	 	10.60	 	15.38
	66
	 	4.11	 	4.92	 	7.19	 	11.90	 	16.59
	67
	 	4.46	 	5.30	 	7.80	 	13.41	 	17.88
	68
	 	4.87	 	5.75	 	8.52	 	15.06	 	19.37
	69
	 	5.36	 	6.27	 	9.36	 	16.74	 	21.20
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	5.95	 	6.86	 	10.33	 	18.27	 	23.49
	71
	 	6.66	 	7.50	 	11.44	 	19.53	 	26.37
	72
	 	7.48	 	8.25	 	12.73	 	20.71	 	29.77
	73
	 	8.44	 	9.17	 	14.28	 	22.09	 	33.58
	74
	 	9.54	 	10.38	 	16.18	 	23.96	 	37.65
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	10.80	 	11.99	 	18.55	 	26.62	 	41.83





 




Portions marked [***] have been omitted Pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Females – Years 6-10




[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	21
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	22
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	23
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	24
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	26
	 	0.51	 	0.60	 	0.79	 	1.08	 	1.81
	27
	 	0.51	 	0.60	 	0.79	 	1.10	 	1.81
	28
	 	0.51	 	0.60	 	0.79	 	1.13	 	1.82
	29
	 	0.51	 	0.60	 	0.79	 	1.18	 	1.85
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.51	 	0.60	 	0.79	 	1.25	 	1.90
	31
	 	0.52	 	0.61	 	0.81	 	1.34	 	1.98
	32
	 	0.53	 	0.64	 	0.85	 	1.45	 	2.09
	33
	 	0.55	 	0.66	 	0.90	 	1.57	 	2.21
	34
	 	0.57	 	0.69	 	0.95	 	1.70	 	2.35
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.60	 	0.73	 	1.00	 	1.84	 	2.50
	36
	 	0.63	 	0.77	 	1.06	 	1.99	 	2.65
	37
	 	0.67	 	0.82	 	1.12	 	2.15	 	2.81
	38
	 	0.71	 	0.87	 	1.19	 	2.31	 	2.98
	39
	 	0.75	 	0.93	 	1.27	 	2.46	 	3.17
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.80	 	0.99	 	1.36	 	2.60	 	3.40
	41
	 	0.86	 	1.06	 	1.47	 	2.70	 	3.67
	42
	 	0.92	 	1.14	 	1.59	 	2.79	 	3.96
	43
	 	0.99	 	1.22	 	1.72	 	2.88	 	4.29
	44
	 	1.06	 	1.31	 	1.85	 	3.01	 	4.62
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.13	 	1.40	 	1.99	 	3.19	 	4.95
	46
	 	1.20	 	1.49	 	2.12	 	3.45	 	5.26
	47
	 	1.28	 	1.58	 	2.26	 	3.78	 	5.58
	48
	 	1.36	 	1.68	 	2.41	 	4.15	 	5.92
	49
	 	1.46	 	1.80	 	2.57	 	4.53	 	6.31





 




Portions
marked [***] have been omitted Pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Current Premium Rates – Females – Years 6-10



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.58	 	1.95	 	2.77	 	4.89	 	6.76
	51
	 	1.72	 	2.13	 	3.00	 	5.21	 	7.29
	52
	 	1.88	 	2.33	 	3.26	 	5.53	 	7.89
	53
	 	2.06	 	2.56	 	3.55	 	5.88	 	8.56
	54
	 	2.25	 	2.81	 	3.88	 	6.28	 	9.30
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.46	 	3.06	 	4.24	 	6.75	 	10.11
	56
	 	2.68	 	3.32	 	4.63	 	7.30	 	10.99
	57
	 	2.92	 	3.60	 	5.07	 	7.93	 	11.96
	58
	 	3.19	 	3.91	 	5.56	 	8.67	 	13.03
	59
	 	3.48	 	4.23	 	6.08	 	9.54	 	14.18
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	3.79	 	4.57	 	6.63	 	10.60	 	15.38
	61
	 	4.11	 	4.92	 	7.19	 	11.90	 	16.59
	62
	 	4.46	 	5.30	 	7.80	 	13.41	 	17.88
	63
	 	4.87	 	5.75	 	8.52	 	15.06	 	19.37
	64
	 	5.36	 	6.27	 	9.36	 	16.74	 	21.20
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	5.95	 	6.86	 	10.33	 	18.27	 	23.49
	66
	 	6.66	 	7.50	 	11.44	 	19.53	 	26.37
	67
	 	7.48	 	8.25	 	12.73	 	20.71	 	29.77
	68
	 	8.44	 	9.17	 	14.28	 	22.09	 	33.58
	69
	 	9.54	 	10.38	 	16.18	 	23.96	 	37.65
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	10.80	 	11.99	 	18.55	 	26.62	 	41.83
	71
	 	12.24	 	14.11	 	21.51	 	30.36	 	46.09
	72
	 	13.83	 	16.63	 	24.94	 	34.87	 	50.41
	73
	 	15.60	 	19.47	 	28.76	 	39.98	 	55.10
	74
	 	17.56	 	22.52	 	32.89	 	45.53	 	60.46
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	19.76	 	25.69	 	37.25	 	51.38	 	66.79





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Guaranteed Premium Rates – Unisex – Years 1-5



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	16
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	17
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	18
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	19
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	 
	 	 	 	 	 	 	 	 	 	 
	20
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	21
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	22
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	23
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	24
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	26
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.01
	27
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.03
	28
	 	0.57	 	0.67	 	0.88	 	1.22	 	2.03
	29
	 	0.57	 	0.67	 	0.88	 	1.23	 	2.05
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.57	 	0.67	 	0.88	 	1.25	 	2.07
	31
	 	0.57	 	0.67	 	0.88	 	1.28	 	2.07
	32
	 	0.57	 	0.67	 	0.88	 	1.31	 	2.07
	33
	 	0.57	 	0.67	 	0.88	 	1.36	 	2.08
	34
	 	0.57	 	0.67	 	0.88	 	1.42	 	2.11
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.57	 	0.67	 	0.88	 	1.49	 	2.16
	36
	 	0.58	 	0.69	 	0.91	 	1.58	 	2.24
	37
	 	0.60	 	0.71	 	0.98	 	1.68	 	2.35
	38
	 	0.62	 	0.75	 	1.05	 	1.80	 	2.49
	39
	 	0.65	 	0.79	 	1.13	 	1.95	 	2.66
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.69	 	0.84	 	1.22	 	2.11	 	2.87
	41
	 	0.73	 	0.91	 	1.31	 	2.31	 	3.11
	42
	 	0.80	 	0.98	 	1.40	 	2.53	 	3.37
	43
	 	0.86	 	1.06	 	1.51	 	2.77	 	3.68
	44
	 	0.93	 	1.15	 	1.63	 	3.04	 	4.01
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.02	 	1.25	 	1.76	 	3.30	 	4.38
	46
	 	1.10	 	1.36	 	1.91	 	3.57	 	4.79
	47
	 	1.19	 	1.48	 	2.08	 	3.86	 	5.23
	48
	 	1.29	 	1.60	 	2.26	 	4.16	 	5.72
	49
	 	1.40	 	1.73	 	2.46	 	4.49	 	6.24





 




Portions marked [***] have been omitted Pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Guaranteed Premium Rates – Unisex – Years 1-5



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.52	 	1.88	 	2.67	 	4.85	 	6.78
	51
	 	1.65	 	2.04	 	2.88	 	5.26	 	7.36
	52
	 	1.78	 	2.21	 	3.12	 	5.71	 	7.98
	53
	 	1.94	 	2.41	 	3.37	 	6.19	 	8.65
	54
	 	2.11	 	2.62	 	3.66	 	6.71	 	9.37
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.29	 	2.85	 	3.98	 	7.21	 	10.11
	56
	 	2.49	 	3.08	 	4.33	 	7.70	 	10.87
	57
	 	2.71	 	3.34	 	4.72	 	8.21	 	11.68
	58
	 	2.97	 	3.63	 	5.17	 	8.80	 	12.62
	59
	 	3.27	 	3.98	 	5.71	 	9.51	 	13.75
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	3.63	 	4.40	 	6.34	 	10.38	 	15.13
	61
	 	4.05	 	4.90	 	7.09	 	11.45	 	16.83
	62
	 	4.54	 	5.48	 	7.96	 	12.71	 	18.82
	63
	 	5.09	 	6.13	 	8.93	 	14.15	 	21.06
	64
	 	5.70	 	6.85	 	10.00	 	15.82	 	23.56
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	6.36	 	7.61	 	11.17	 	17.74	 	26.30
	66
	 	7.07	 	8.42	 	12.42	 	19.96	 	29.30
	67
	 	7.84	 	9.30	 	13.80	 	22.47	 	32.55
	68
	 	8.69	 	10.26	 	15.31	 	25.18	 	36.07
	69
	 	9.64	 	11.29	 	16.97	 	28.05	 	39.86
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	10.69	 	12.38	 	18.75	 	31.01	 	43.98
	71
	 	11.87	 	13.48	 	20.66	 	33.99	 	48.47
	72
	 	13.18	 	14.66	 	22.75	 	37.12	 	53.31
	73
	 	14.61	 	16.03	 	25.06	 	40.45	 	58.42
	74
	 	16.16	 	17.70	 	27.68	 	44.05	 	63.60
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	17.79	 	19.81	 	30.66	 	47.90	 	68.57





 




Portions marked [***] have been omitted Pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Guaranteed Premium Rates – Unisex – Years 6-10



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	16
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	17
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	18
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	19
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	 
	 	 	 	 	 	 	 	 	 	 
	20
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	21
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.01
	22
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.03
	23
	 	0.57	 	0.67	 	0.88	 	1.22	 	2.03
	24
	 	0.57	 	0.67	 	0.88	 	1.23	 	2.05
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.57	 	0.67	 	0.88	 	1.25	 	2.07
	26
	 	0.57	 	0.67	 	0.88	 	1.28	 	2.07
	27
	 	0.57	 	0.67	 	0.88	 	1.31	 	2.07
	28
	 	0.57	 	0.67	 	0.88	 	1.36	 	2.08
	29
	 	0.57	 	0.67	 	0.88	 	1.42	 	2.11
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.57	 	0.67	 	0.88	 	1.49	 	2.16
	31
	 	0.58	 	0.69	 	0.91	 	1.58	 	2.24
	32
	 	0.60	 	0.71	 	0.98	 	1.68	 	2.35
	33
	 	0.62	 	0.75	 	1.05	 	1.80	 	2.49
	34
	 	0.65	 	0.79	 	1.13	 	1.95	 	2.66
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.69	 	0.84	 	1.22	 	2.11	 	2.87
	36
	 	0.73	 	0.91	 	1.31	 	2.31	 	3.11
	37
	 	0.80	 	0.98	 	1.40	 	2.53	 	3.37
	38
	 	0.86	 	1.06	 	1.51	 	2.77	 	3.68
	39
	 	0.93	 	1.15	 	1.63	 	3.04	 	4.01
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	1.02	 	1.25	 	1.76	 	3.30	 	4.38
	41
	 	1.10	 	1.36	 	1.91	 	3.57	 	4.79
	42
	 	1.19	 	1.48	 	2.08	 	3.86	 	5.23
	43
	 	1.29	 	1.60	 	2.26	 	4.16	 	5.72
	44
	 	1.40	 	1.73	 	2.46	 	4.49	 	6.24
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.52	 	1.88	 	2.67	 	4.85	 	6.78
	46
	 	1.65	 	2.04	 	2.88	 	5.26	 	7.36
	47
	 	1.78	 	2.21	 	3.12	 	5.71	 	7.98
	48
	 	1.94	 	2.41	 	3.37	 	6.19	 	8.65
	49
	 	2.11	 	2.62	 	3.66	 	6.71	 	9.37





 




Portions marked [***] have been omitted Pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-1




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 5

Guaranteed Premium Rates – Unisex – Years 6-10



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50

	 	 	2.29	 	 	 	2.85	 	 	 	3.98	 	 	 	7.21	 	 	 	10.11	 
	51

	 	 	2.49	 	 	 	3.08	 	 	 	4.33	 	 	 	7.70	 	 	 	10.87	 
	52

	 	 	2.71	 	 	 	3.34	 	 	 	4.72	 	 	 	8.21	 	 	 	11.68	 
	53

	 	 	2.97	 	 	 	3.63	 	 	 	5.17	 	 	 	8.80	 	 	 	12.62	 
	54

	 	 	3.27	 	 	 	3.98	 	 	 	5.71	 	 	 	9.51	 	 	 	13.75	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	55

	 	 	3.63	 	 	 	4.40	 	 	 	6.34	 	 	 	10.38	 	 	 	15.13	 
	56

	 	 	4.05	 	 	 	4.90	 	 	 	7.09	 	 	 	11.45	 	 	 	16.83	 
	57

	 	 	4.54	 	 	 	5.48	 	 	 	7.96	 	 	 	12.71	 	 	 	18.82	 
	58

	 	 	5.09	 	 	 	6.13	 	 	 	8.93	 	 	 	14.15	 	 	 	21.06	 
	59

	 	 	5.70	 	 	 	6.85	 	 	 	10.00	 	 	 	15.82	 	 	 	23.56	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	60

	 	 	6.36	 	 	 	7.61	 	 	 	11.17	 	 	 	17.74	 	 	 	26.30	 
	61

	 	 	7.07	 	 	 	8.42	 	 	 	12.42	 	 	 	19.96	 	 	 	29.30	 
	62

	 	 	7.84	 	 	 	9.30	 	 	 	13.80	 	 	 	22.47	 	 	 	32.55	 
	63

	 	 	8.69	 	 	 	10.26	 	 	 	15.31	 	 	 	25.18	 	 	 	36.07	 
	64

	 	 	9.64	 	 	 	11.29	 	 	 	16.97	 	 	 	28.05	 	 	 	39.86	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	65

	 	 	10.69	 	 	 	12.38	 	 	 	18.75	 	 	 	31.01	 	 	 	43.98	 
	66

	 	 	11.87	 	 	 	13.48	 	 	 	20.66	 	 	 	33.99	 	 	 	48.47	 
	67

	 	 	13.18	 	 	 	14.66	 	 	 	22.75	 	 	 	37.12	 	 	 	53.31	 
	68

	 	 	14.61	 	 	 	16.03	 	 	 	25.06	 	 	 	40.45	 	 	 	58.42	 
	69

	 	 	16.16	 	 	 	17.70	 	 	 	27.68	 	 	 	44.05	 	 	 	63.60	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	70

	 	 	17.79	 	 	 	19.81	 	 	 	30.66	 	 	 	47.90	 	 	 	68.57	 
	71

	 	 	19.54	 	 	 	22.49	 	 	 	34.11	 	 	 	52.14	 	 	 	73.29	 
	72

	 	 	21.35	 	 	 	25.61	 	 	 	37.89	 	 	 	56.53	 	 	 	77.63	 
	73

	 	 	23.34	 	 	 	29.07	 	 	 	42.06	 	 	 	61.37	 	 	 	82.31	 
	74

	 	 	25.61	 	 	 	32.81	 	 	 	46.65	 	 	 	66.94	 	 	 	88.04	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	75

	 	 	28.27	 	 	 	36.75	 	 	 	51.71	 	 	 	73.51	 	 	 	95.56	 





 




Portions
marked [***] have been omitted Pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.





 










 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Males



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.72	 	1.81	 	1.92	 	2.70	 	2.81
	26
	 	1.74	 	1.84	 	1.95	 	2.80	 	2.91
	27
	 	1.76	 	1.85	 	1.96	 	2.82	 	2.93
	28
	 	1.78	 	1.88	 	1.99	 	2.86	 	2.98
	29
	 	1.82	 	1.92	 	2.03	 	2.91	 	3.02
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.85	 	1.96	 	2.07	 	2.97	 	3.09
	31
	 	1.89	 	1.99	 	2.11	 	3.07	 	3.20
	32
	 	1.94	 	2.04	 	2.16	 	3.20	 	3.32
	33
	 	2.01	 	2.12	 	2.25	 	3.36	 	3.50
	34
	 	2.11	 	2.22	 	2.35	 	3.56	 	3.70
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.20	 	2.33	 	2.46	 	3.80	 	3.96
	36
	 	2.32	 	2.45	 	2.60	 	4.08	 	4.24
	37
	 	2.47	 	2.61	 	2.76	 	4.42	 	4.60
	38
	 	2.64	 	2.79	 	2.95	 	4.82	 	5.01
	39
	 	2.82	 	2.98	 	3.15	 	5.26	 	5.47
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	3.04	 	3.21	 	3.40	 	5.78	 	6.01
	41
	 	3.26	 	3.44	 	3.64	 	6.34	 	6.59
	42
	 	3.50	 	3.69	 	3.91	 	6.96	 	7.23
	43
	 	3.78	 	3.99	 	4.22	 	7.63	 	7.94
	44
	 	4.07	 	4.29	 	4.55	 	8.37	 	8.71
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.39	 	4.64	 	4.91	 	9.14	 	9.51
	46
	 	4.76	 	5.02	 	5.32	 	9.96	 	10.36
	47
	 	5.13	 	5.42	 	5.74	 	10.84	 	11.27
	48
	 	5.56	 	5.87	 	6.21	 	11.79	 	12.26
	49
	 	6.02	 	6.35	 	6.72	 	12.83	 	13.34
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.54	 	6.90	 	7.31	 	13.97	 	14.52
	51
	 	7.13	 	7.53	 	7.97	 	15.27	 	15.88
	52
	 	7.82	 	8.25	 	8.74	 	16.73	 	17.40
	53
	 	8.62	 	9.10	 	9.63	 	18.40	 	19.14
	54
	 	9.49	 	10.02	 	10.61	 	20.21	 	21.02
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.47	 	11.05	 	11.70	 	22.15	 	23.03
	56
	 	11.55	 	12.19	 	12.91	 	24.21	 	25.17
	57
	 	12.67	 	13.38	 	14.17	 	26.37	 	27.43
	58
	 	13.95	 	14.72	 	15.59	 	28.65	 	29.80
	59
	 	15.35	 	16.20	 	17.16	 	31.09	 	32.34





 
 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Males



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained 	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	16.94	 	17.88	 	18.93	 	33.81	 	35.17
	61
	 	18.69	 	19.73	 	20.89	 	36.89	 	38.36
	62
	 	20.72	 	21.88	 	23.16	 	40.35	 	41.96
	63
	 	23.01	 	24.29	 	25.72	 	44.22	 	45.99
	64
	 	25.57	 	26.99	 	28.57	 	48.45	 	50.39
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	28.35	 	29.93	 	31.69	 	52.93	 	55.05
	66
	 	31.38	 	33.12	 	35.07	 	57.63	 	59.94
	67
	 	34.61	 	36.53	 	38.68	 	62.49	 	64.99
	68
	 	38.12	 	40.24	 	42.60	 	67.58	 	70.29
	69
	 	42.03	 	44.36	 	46.97	 	73.12	 	76.05
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	49.53	 	52.29	 	55.36	 	84.50	 	87.88
	71
	 	56.62	 	59.76	 	63.28	 	94.69	 	98.47
	72
	 	64.91	 	68.51	 	72.54	 	106.34	 	110.60
	73
	 	74.50	 	78.63	 	83.26	 	119.50	 	124.28
	74
	 	85.29	 	90.03	 	95.33	 	134.21	 	139.58
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	99.81	 	105.35	 	111.55	 	154.40	 	160.57
	76
	 	113.04	 	119.32	 	126.34	 	171.83	 	178.70
	77
	 	127.30	 	134.37	 	142.28	 	189.99	 	197.59
	78
	 	142.71	 	150.64	 	159.50	 	209.00	 	217.36
	79
	 	159.69	 	168.56	 	178.48	 	229.38	 	238.56
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	182.92	 	193.09	 	204.44	 	257.52	 	267.82
	81
	 	204.99	 	216.38	 	229.11	 	282.76	 	294.07
	82
	 	230.21	 	243.00	 	257.29	 	311.00	 	323.44
	83
	 	258.60	 	272.97	 	289.03	 	342.00	 	355.68
	84
	 	289.87	 	305.98	 	323.98	 	375.07	 	390.07
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	330.13	 	348.48	 	368.97	 	417.73	 	434.44
	86
	 	366.47	 	386.83	 	409.59	 	453.14	 	471.27
	87
	 	404.55	 	427.02	 	452.14	 	490.36	 	509.98
	88
	 	444.21	 	468.89	 	496.48	 	529.87	 	551.07
	89
	 	486.00	 	513.00	 	543.18	 	570.34	 	593.16
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	540.05	 	570.06	 	603.59	 	623.36	 	648.29
	91
	 	588.70	 	621.41	 	657.96	 	668.24	 	694.97
	92
	 	642.54	 	678.23	 	718.13	 	719.79	 	748.58
	93
	 	706.06	 	745.29	 	789.13	 	784.18	 	815.55
	94
	 	789.59	 	833.46	 	882.48	 	869.54	 	904.33





 





Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Females



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.40	 	1.48	 	1.57	 	1.68	 	1.75
	26
	 	1.44	 	1.52	 	1.61	 	1.74	 	1.81
	27
	 	1.46	 	1.55	 	1.64	 	1.79	 	1.86
	28
	 	1.50	 	1.58	 	1.68	 	1.86	 	1.93
	29
	 	1.55	 	1.64	 	1.73	 	1.94	 	2.01
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.60	 	1.69	 	1.79	 	2.02	 	2.10
	31
	 	1.65	 	1.74	 	1.84	 	2.10	 	2.19
	32
	 	1.69	 	1.79	 	1.89	 	2.19	 	2.28
	33
	 	1.76	 	1.85	 	1.96	 	2.30	 	2.39
	34
	 	1.84	 	1.94	 	2.06	 	2.43	 	2.53
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	1.92	 	2.03	 	2.15	 	2.58	 	2.68
	36
	 	2.05	 	2.16	 	2.29	 	2.79	 	2.90
	37
	 	2.20	 	2.33	 	2.46	 	3.05	 	3.17
	38
	 	2.37	 	2.50	 	2.65	 	3.34	 	3.47
	39
	 	2.55	 	2.70	 	2.85	 	3.66	 	3.81
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.76	 	2.91	 	3.08	 	4.05	 	4.21
	41
	 	2.99	 	3.16	 	3.34	 	4.46	 	4.63
	42
	 	3.22	 	3.40	 	3.60	 	4.87	 	5.06
	43
	 	3.45	 	3.64	 	3.86	 	5.27	 	5.49
	44
	 	3.68	 	3.88	 	4.11	 	5.68	 	5.91
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	3.93	 	4.15	 	4.40	 	6.11	 	6.36
	46
	 	4.20	 	4.43	 	4.69	 	6.57	 	6.83
	47
	 	4.50	 	4.75	 	5.03	 	7.03	 	7.31
	48
	 	4.81	 	5.07	 	5.37	 	7.53	 	7.83
	49
	 	5.14	 	5.43	 	5.75	 	8.08	 	8.41
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	5.53	 	5.84	 	6.18	 	8.67	 	9.02
	51
	 	5.96	 	6.29	 	6.66	 	9.30	 	9.67
	52
	 	6.44	 	6.80	 	7.20	 	10.01	 	10.41
	53
	 	6.97	 	7.36	 	7.79	 	10.80	 	11.24
	54
	 	7.52	 	7.94	 	8.40	 	11.61	 	12.08
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	8.10	 	8.55	 	9.05	 	12.44	 	12.94
	56
	 	8.69	 	9.17	 	9.71	 	13.27	 	13.80
	57
	 	9.26	 	9.78	 	10.35	 	14.03	 	14.59
	58
	 	9.84	 	10.39	 	11.00	 	14.78	 	15.38
	59
	 	10.48	 	11.07	 	11.72	 	15.59	 	16.22





 





Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Females



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	11.25	 	11.87	 	12.57	 	16.55	 	17.22
	61
	 	12.19	 	12.87	 	13.62	 	17.76	 	18.47
	62
	 	13.35	 	14.11	 	14.94	 	19.31	 	20.08
	63
	 	14.80	 	15.63	 	16.55	 	21.19	 	22.03
	64
	 	16.43	 	17.34	 	18.36	 	23.29	 	24.22
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	18.17	 	19.18	 	20.31	 	25.51	 	26.53
	66
	 	19.99	 	21.10	 	22.34	 	27.75	 	28.87
	67
	 	21.83	 	23.04	 	24.39	 	29.93	 	31.13
	68
	 	23.74	 	25.06	 	26.53	 	32.13	 	33.42
	69
	 	25.87	 	27.31	 	28.91	 	34.53	 	35.91
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	30.25	 	31.93	 	33.81	 	39.85	 	41.45
	71
	 	34.55	 	36.47	 	38.61	 	45.04	 	46.84
	72
	 	39.83	 	42.04	 	44.51	 	51.39	 	53.44
	73
	 	46.22	 	48.79	 	51.66	 	58.99	 	61.35
	74
	 	53.71	 	56.70	 	60.03	 	67.82	 	70.53
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	63.98	 	67.53	 	71.50	 	79.83	 	83.02
	76
	 	73.75	 	77.84	 	82.42	 	90.92	 	94.55
	77
	 	84.52	 	89.21	 	94.46	 	102.87	 	106.98
	78
	 	96.49	 	101.85	 	107.84	 	115.87	 	120.51
	79
	 	110.04	 	116.15	 	122.98	 	130.34	 	135.55
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	128.59	 	135.74	 	143.72	 	150.20	 	156.20
	81
	 	147.19	 	155.37	 	164.50	 	169.45	 	176.23
	82
	 	168.93	 	178.31	 	188.80	 	191.63	 	199.30
	83
	 	193.88	 	204.65	 	216.69	 	217.52	 	226.22
	84
	 	221.96	 	234.29	 	248.08	 	246.20	 	256.05
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	258.21	 	272.55	 	288.58	 	285.64	 	297.07
	86
	 	292.79	 	309.06	 	327.24	 	323.01	 	335.93
	87
	 	330.40	 	348.76	 	369.27	 	363.29	 	377.82
	88
	 	371.17	 	391.79	 	414.84	 	406.77	 	423.04
	89
	 	415.49	 	438.57	 	464.37	 	453.58	 	471.72
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	472.21	 	498.45	 	527.77	 	515.62	 	536.25
	91
	 	528.39	 	555.63	 	588.31	 	574.83	 	597.83
	92
	 	587.63	 	620.27	 	656.76	 	641.70	 	667.37
	93
	 	659.95	 	696.62	 	737.60	 	720.69	 	749.51
	94
	 	752.39	 	794.19	 	840.91	 	824.73	 	857.72






 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Unisex



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.66	 	1.75	 	1.85	 	2.49	 	2.59
	26
	 	1.68	 	1.78	 	1.88	 	2.59	 	2.69
	27
	 	1.70	 	1.79	 	1.90	 	2.61	 	2.72
	28
	 	1.72	 	1.82	 	1.93	 	2.66	 	2.77
	29
	 	1.76	 	1.86	 	1.97	 	2.71	 	2.82
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.80	 	1.90	 	2.01	 	2.78	 	2.90
	31
	 	1.84	 	1.94	 	2.06	 	2.88	 	2.99
	32
	 	1.89	 	1.99	 	2.11	 	2.99	 	3.11
	33
	 	1.96	 	2.07	 	2.19	 	3.15	 	3.28
	34
	 	2.05	 	2.17	 	2.29	 	3.34	 	3.47
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.15	 	2.27	 	2.40	 	3.56	 	3.70
	36
	 	2.27	 	2.39	 	2.54	 	3.82	 	3.97
	37
	 	2.42	 	2.55	 	2.70	 	4.15	 	4.31
	38
	 	2.59	 	2.73	 	2.89	 	4.52	 	4.71
	39
	 	2.77	 	2.92	 	3.09	 	4.94	 	5.14
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.98	 	3.15	 	3.33	 	5.44	 	5.65
	41
	 	3.20	 	3.38	 	3.58	 	5.96	 	6.20
	42
	 	3.44	 	3.63	 	3.85	 	6.54	 	6.80
	43
	 	3.71	 	3.92	 	4.15	 	7.16	 	7.45
	44
	 	3.99	 	4.21	 	4.46	 	7.83	 	8.15
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.30	 	4.54	 	4.81	 	8.54	 	8.88
	46
	 	4.65	 	4.90	 	5.19	 	9.28	 	9.66
	47
	 	5.01	 	5.28	 	5.60	 	10.08	 	10.48
	48
	 	5.41	 	5.71	 	6.04	 	10.94	 	11.37
	49
	 	5.84	 	6.17	 	6.53	 	11.88	 	12.35
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.34	 	6.69	 	7.08	 	12.91	 	13.42
	51
	 	6.90	 	7.28	 	7.71	 	14.08	 	14.64
	52
	 	7.54	 	7.96	 	8.43	 	15.39	 	16.00
	53
	 	8.29	 	8.75	 	9.26	 	16.88	 	17.56
	54
	 	9.10	 	9.60	 	10.17	 	18.49	 	19.23
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.00	 	10.55	 	11.17	 	20.21	 	21.02
	56
	 	10.98	 	11.59	 	12.27	 	22.02	 	22.90
	57
	 	11.99	 	12.66	 	13.40	 	23.90	 	24.86
	58
	 	13.12	 	13.85	 	14.67	 	25.88	 	26.91
	59
	 	14.38	 	15.17	 	16.07	 	27.99	 	29.11





 
 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





S-1




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Unisex



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	15.80	 	16.68	 	17.66	 	30.36	 	31.58
	61
	 	17.39	 	18.36	 	19.44	 	33.06	 	34.39
	62
	 	19.25	 	20.32	 	21.52	 	36.14	 	37.59
	63
	 	21.37	 	22.56	 	23.88	 	39.61	 	41.20
	64
	 	23.74	 	25.06	 	26.53	 	43.42	 	45.16
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	26.31	 	27.78	 	29.41	 	47.45	 	49.35
	66
	 	29.10	 	30.72	 	32.52	 	51.66	 	53.72
	67
	 	32.05	 	33.83	 	35.82	 	55.98	 	58.22
	68
	 	35.24	 	37.20	 	39.39	 	60.49	 	62.91
	69
	 	38.80	 	40.95	 	43.36	 	65.41	 	68.02
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	45.68	 	48.22	 	51.05	 	75.57	 	78.60
	71
	 	52.20	 	55.10	 	58.34	 	84.76	 	88.15
	72
	 	59.89	 	63.22	 	66.94	 	95.35	 	99.16
	73
	 	68.84	 	72.66	 	76.94	 	107.40	 	111.69
	74
	 	78.98	 	83.36	 	88.27	 	120.93	 	125.77
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	92.64	 	97.79	 	103.54	 	139.48	 	145.06
	76
	 	105.18	 	111.02	 	117.55	 	155.64	 	161.87
	77
	 	118.74	 	125.34	 	132.71	 	172.57	 	179.47
	78
	 	133.47	 	140.88	 	149.17	 	190.38	 	197.99
	79
	 	149.76	 	158.08	 	167.38	 	209.57	 	217.95
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	172.06	 	181.62	 	192.30	 	236.06	 	245.50
	81
	 	193.43	 	204.18	 	216.19	 	260.09	 	270.50
	82
	 	217.95	 	230.06	 	243.59	 	287.12	 	298.61
	83
	 	245.66	 	259.31	 	274.56	 	317.11	 	329.79
	84
	 	276.29	 	291.64	 	308.80	 	349.29	 	363.26
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	315.75	 	333.29	 	352.90	 	391.31	 	406.96
	86
	 	351.74	 	371.28	 	393.12	 	427.12	 	444.20
	87
	 	389.72	 	411.37	 	435.57	 	464.95	 	483.55
	88
	 	429.61	 	453.47	 	480.15	 	505.25	 	525.46
	89
	 	471.90	 	498.12	 	527.42	 	546.99	 	568.87
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	526.48	 	555.73	 	588.42	 	601.81	 	625.88
	91
	 	576.24	 	608.25	 	644.03	 	649.56	 	675.54
	92
	 	631.55	 	666.64	 	705.85	 	704.17	 	732.34
	93
	 	696.84	 	735.56	 	778.82	 	771.48	 	802.34
	94
	 	782.15	 	825.60	 	874.17	 	860.58	 	895.00





 
 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.



 









 





Schedule IV




Reinsurance Premiums









Rate Schedule S-2









25










 





3028-00-00

S-2




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Current Premium Rates – Males



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	 Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	 Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	21
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	22
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	23
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	24
	 	0.59	 	0.69	 	0.90	 	1.23	 	2.05
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.59	 	0.69	 	0.90	 	1.23	 	205
	26
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.06
	27
	 	0.59	 	0.69	 	0.90	 	1.24	 	2.08
	28
	 	0.59	 	0.69	 	0.90	 	1.26	 	2.10
	29
	 	0.59	 	0.69	 	0.90	 	1.27	 	2.12
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.59	 	0.69	 	0.90	 	1.30	 	2.14
	31
	 	0.59	 	0.69	 	0.90	 	1.33	 	2.14
	32
	 	0.59	 	0.69	 	0.90	 	1.36	 	2.15
	33
	 	0.60	 	0.69	 	0.91	 	1.42	 	2.16
	34
	 	0.61	 	0.69	 	0.93	 	1.48	 	2.20
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.63	 	0.70	 	0.97	 	1.55	 	2.27
	36
	 	0.66	 	0.74	 	1.03	 	1.66	 	2.38
	37
	 	0.69	 	0.80	 	1.10	 	1.80	 	2.53
	38
	 	0.74	 	0.87	 	1.19	 	1.96	 	2.71
	39
	 	0.79	 	0.94	 	1.29	 	2.14	 	2.94
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.85	 	1.02	 	1.39	 	2.33	 	3.21
	41
	 	0.92	 	1.10	 	1.50	 	2.54	 	3.53
	42
	 	1.00	 	1.18	 	1.62	 	2.77	 	3.91
	43
	 	1.09	 	1.28	 	1.75	 	3.02	 	4.32
	44
	 	1.18	 	1.38	 	1.89	 	3.30	 	4.77
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.28	 	1.50	 	2.06	 	3.61	 	5.25
	46
	 	1.38	 	1.63	 	2.25	 	3.95	 	5.75
	47
	 	1.49	 	1.78	 	2.46	 	4.33	 	6.28
	48
	 	1.61	 	1.95	 	2.70	 	4.73	 	6.84
	49
	 	1.75	 	2.13	 	2.96	 	5.18	 	7.46





 





Portions marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra Financial Corp., this information has been
filed separately with the Securities and Exchange Commission.



 









 





SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Current Premium Rates – Males



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	 Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	 Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.91	 	2.33	 	3.23	 	5.66	 	8.12
	51
	 	2.10	 	2.54	 	3.52	 	6.20	 	8.84
	52
	 	2.31	 	2.77	 	3.83	 	6.79	 	9.64
	53
	 	2.54	 	3.03	 	4.18	 	7.41	 	10.50
	54
	 	2.79	 	3.31	 	4.56	 	8.05	 	11.41
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	3.05	 	3.60	 	4.98	 	8.64	 	12.30
	56
	 	3.30	 	3.91	 	5.43	 	9.14	 	13.15
	57
	 	3.57	 	4.25	 	5.93	 	9.63	 	14.04
	58
	 	3.88	 	4.64	 	6.51	 	10.21	 	15.09
	59
	 	4.24	 	5.09	 	7.16	 	10.98	 	16.42
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	4.70	 	5.61	 	7.91	 	12.05	 	18.12
	61
	 	5.26	 	6.21	 	8.75	 	13.48	 	20.24
	62
	 	5.92	 	6.89	 	9.70	 	15.24	 	22.76
	63
	 	6.67	 	7.70	 	10.80	 	17.28	 	25.68
	64
	 	7.48	 	8.64	 	12.10	 	19.57	 	29.12
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	8.35	 	9.75	 	13.65	 	22.10	 	33.31
	66
	 	9.25	 	11.06	 	15.48	 	24.89	 	38.44
	67
	 	10.22	 	12.55	 	17.57	 	27.93	 	44.28
	68
	 	11.28	 	14.22	 	19.91	 	31.23	 	50.41
	69
	 	12.49	 	16.05	 	22.47	 	34.77	 	56.33
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	13.88	 	18.05	 	25.27	 	38.54	 	61.42
	71
	 	15.25	 	19.83	 	27.76	 	41.59	 	66.27
	72
	 	16.74	 	21.76	 	30.47	 	44.83	 	71.44
	73
	 	18.34	 	23.84	 	33.38	 	48.26	 	76.91
	74
	 	20.05	 	26.08	 	36.51	 	51.86	 	82.65
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	21.89	 	28.47	 	39.86	 	55.62	 	88.65





 
 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request
by Symetra Financial Corp., this information has been filed separately with the Securities
and Exchange Commission.




 










 





S-2




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Current Premium Rates – Females


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	21
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	22
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	23
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	24
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.80
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.81
	26
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.82
	27
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.82
	28
	 	0.51	 	0.60	 	0.79	 	1.06	 	1.83
	29
	 	0.51	 	0.60	 	0.80	 	1.06	 	1.85
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.51	 	0.60	 	0.80	 	1.08	 	1.86
	31
	 	0.51	 	0.60	 	0.80	 	1.10	 	1.86
	32
	 	0.51	 	0.60	 	0.80	 	1.12	 	1.86
	33
	 	0.51	 	0.60	 	0.80	 	1.16	 	1.87
	34
	 	0.51	 	0.61	 	0.81	 	1.21	 	1.90
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.52	 	0.63	 	0.83	 	1.28	 	1.97
	36
	 	0.55	 	0.66	 	0.87	 	1.37	 	2.09
	37
	 	0.59	 	0.71	 	0.93	 	1.48	 	2.24
	38
	 	0.63	 	0.76	 	1.00	 	1.61	 	2.42
	39
	 	0.68	 	0.81	 	1.08	 	1.75	 	2.62
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.73	 	0.87	 	1.16	 	1.90	 	2.82
	41
	 	0.78	 	0.92	 	1.25	 	2.06	 	3.02
	42
	 	0.83	 	0.98	 	1.34	 	2.22	 	3.24
	43
	 	0.88	 	1.04	 	1.44	 	2.39	 	3.46
	44
	 	0.94	 	1.11	 	1.55	 	2.58	 	3.71
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.00	 	1.18	 	1.67	 	2.77	 	3.99
	46
	 	1.07	 	1.26	 	1.80	 	2.97	 	4.31
	47
	 	1.15	 	1.35	 	1.95	 	3.18	 	4.65
	48
	 	1.24	 	1.45	 	2.11	 	3.40	 	5.02
	49
	 	1.33	 	1.56	 	2.27	 	3.63	 	5.41





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Current Premium Rates – Females


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.42	 	1.67	 	2.44	 	3.89	 	5.79
	51
	 	1.51	 	1.79	 	2.61	 	4.17	 	6.17
	52
	 	1.61	 	1.92	 	2.79	 	4.48	 	6.55
	53
	 	1.72	 	2.06	 	2.99	 	4.81	 	6.96
	54
	 	1.84	 	2.21	 	3.20	 	5.16	 	7.40
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	1.98	 	2.37	 	3.45	 	5.50	 	7.89
	56
	 	2.14	 	2.54	 	3.73	 	5.83	 	8.42
	57
	 	2.33	 	2.73	 	4.04	 	6.18	 	9.01
	58
	 	2.54	 	2.95	 	4.38	 	6.57	 	9.68
	59
	 	2.77	 	3.19	 	4.76	 	7.03	 	10.45
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	3.02	 	3.47	 	5.17	 	7.57	 	11.31
	61
	 	3.29	 	3.80	 	5.63	 	8.21	 	12.28
	62
	 	3.59	 	4.18	 	6.15	 	8.96	 	13.37
	63
	 	3.93	 	4.61	 	6.73	 	9.83	 	14.64
	64
	 	4.30	 	5.07	 	7.33	 	10.83	 	16.13
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	4.68	 	5.52	 	7.87	 	11.93	 	17.89
	66
	 	5.06	 	5.93	 	8.29	 	13.13	 	19.98
	67
	 	5.47	 	6.36	 	8.70	 	14.48	 	22.38
	68
	 	5.97	 	6.90	 	9.28	 	16.05	 	25.05
	69
	 	6.61	 	7.67	 	10.23	 	17.95	 	27.93
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	7.45	 	8.78	 	11.80	 	20.27	 	30.95
	71
	 	8.30	 	9.79	 	13.15	 	22.38	 	34.09
	72
	 	9.26	 	10.92	 	14.67	 	24.60	 	37.57
	73
	 	10.33	 	12.17	 	16.36	 	27.10	 	41.38
	74
	 	11.51	 	13.56	 	18.23	 	29.82	 	45.54
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	12.81	 	15.09	 	20.28	 	32.78	 	50.05





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Guaranteed Premium Rates – Unisex


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	16
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	17
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	18
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	19
	 	0.00	 	0.00	 	0.88	 	0.00	 	2.00
	 
	 	 	 	 	 	 	 	 	 	 
	20
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	21
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	22
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	23
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	24
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.00
	26
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.01
	27
	 	0.57	 	0.67	 	0.88	 	1.20	 	2.03
	28
	 	0.57	 	0.67	 	0.88	 	1.22	 	2.05
	29
	 	0.57	 	0.67	 	0.88	 	1.23	 	2.07
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.57	 	0.67	 	0.88	 	1.26	 	2.08
	31
	 	0.57	 	0.67	 	0.88	 	1.28	 	2.08
	32
	 	0.57	 	0.67	 	0.88	 	1.31	 	2.09
	33
	 	0.58	 	0.67	 	0.89	 	1.37	 	2.10
	34
	 	0.59	 	0.67	 	0.91	 	1.43	 	2.14
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.61	 	0.69	 	0.94	 	1.50	 	2.21
	36
	 	0.64	 	0.72	 	1.00	 	1.60	 	2.32
	37
	 	0.67	 	0.78	 	1.07	 	1.74	 	2.47
	38
	 	0.72	 	0.85	 	1.15	 	1.89	 	2.65
	39
	 	0.77	 	0.91	 	1.25	 	2.06	 	2.88
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.83	 	0.99	 	1.34	 	2.24	 	3.13
	41
	 	0.89	 	1.06	 	1.45	 	2.44	 	3.43
	42
	 	0.97	 	1.14	 	1.56	 	2.66	 	3.78
	43
	 	1.05	 	1.23	 	1.69	 	2.89	 	4.15
	44
	 	1.13	 	1.33	 	1.82	 	3.16	 	4.56
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.22	 	1.44	 	1.98	 	3.44	 	5.00
	46
	 	1.32	 	1.56	 	2.16	 	3.75	 	5.46
	47
	 	1.42	 	1.69	 	2.36	 	4.10	 	5.95
	48
	 	1.54	 	1.85	 	2.58	 	4.46	 	6.48
	49
	 	1.67	 	2.02	 	2.82	 	4.87	 	7.05





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 












SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 10

Guaranteed Premium Rates – Unisex


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.81	 	2.20	 	3.07	 	5.31	 	7.65
	51
	 	1.98	 	2.39	 	3.34	 	5.79	 	8.31
	52
	 	2.17	 	2.60	 	3.62	 	6.33	 	9.02
	53
	 	2.38	 	2.84	 	3.94	 	6.89	 	9.79
	54
	 	2.60	 	3.09	 	4.29	 	7.47	 	10.61
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.84	 	3.35	 	4.67	 	8.01	 	11.42
	56
	 	3.07	 	3.64	 	5.09	 	8.48	 	12.20
	57
	 	3.32	 	3.95	 	5.55	 	8.94	 	13.03
	58
	 	3.61	 	4.30	 	6.08	 	9.48	 	14.01
	59
	 	3.95	 	4.71	 	6.68	 	10.19	 	15.23
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	4.36	 	5.18	 	7.36	 	11.15	 	16.76
	61
	 	4.87	 	5.73	 	8.13	 	12.43	 	18.65
	62
	 	5.45	 	6.35	 	8.99	 	13.98	 	20.88
	63
	 	6.12	 	7.08	 	9.99	 	15.79	 	23.47
	64
	 	6.84	 	7.93	 	11.15	 	17.82	 	26.52
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	7.62	 	8.90	 	12.49	 	20.07	 	30.23
	66
	 	8.41	 	10.03	 	14.04	 	22.54	 	34.75
	67
	 	9.27	 	11.31	 	15.80	 	25.24	 	39.90
	68
	 	10.22	 	12.76	 	17.78	 	28.19	 	45.34
	69
	 	11.31	 	14.37	 	20.02	 	31.41	 	50.65
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	12.59	 	16.20	 	22.58	 	34.89	 	55.33
	71
	 	13.86	 	17.82	 	24.84	 	37.75	 	59.83
	72
	 	15.24	 	19.59	 	27.31	 	40.78	 	64.67
	73
	 	16.74	 	21.51	 	29.98	 	44.03	 	69.80
	74
	 	18.34	 	23.58	 	32.85	 	47.45	 	75.23
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	20.07	 	25.79	 	35.94	 	51.05	 	80.93





 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY




All SAFECO-Term Products

Ultimate Premium Rates – Males


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.72	 	1.81	 	1.92	 	2.70	 	2.81
	26
	 	1.74	 	1.84	 	1.95	 	2.80	 	2.91
	27
	 	1.76	 	1.85	 	1.96	 	2.82	 	2.93
	28
	 	1.78	 	1.88	 	1.99	 	2.86	 	2.98
	29
	 	1.82	 	1.92	 	2.03	 	2.91	 	3.02
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.85	 	1.96	 	2.07	 	2.97	 	3.09
	31
	 	1.89	 	1.99	 	2.11	 	3.07	 	3.20
	32
	 	1.94	 	2.04	 	2.16	 	3.20	 	3.32
	33
	 	2.01	 	2.12	 	2.25	 	3.36	 	3.50
	34
	 	2.11	 	2.22	 	2.35	 	3.56	 	3.70
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.20	 	2.33	 	2.46	 	3.80	 	3.96
	36
	 	2.32	 	2.45	 	2.60	 	4.08	 	4.24
	37
	 	2.47	 	2.61	 	2.76	 	4.42	 	4.60
	38
	 	2.64	 	2.79	 	2.95	 	4.82	 	5.01
	39
	 	2.82	 	2.98	 	3.15	 	5.26	 	5.47
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	3.04	 	3.21	 	3.40	 	5.78	 	6.01
	41
	 	3.26	 	3.44	 	3.64	 	6.34	 	6.59
	42
	 	3.50	 	3.69	 	3.91	 	6.96	 	7.23
	43
	 	3.78	 	3.99	 	4.22	 	7.63	 	7.94
	44
	 	4.07	 	4.29	 	4.55	 	8.37	 	8.71
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.39	 	4.64	 	4.91	 	9.14	 	9.51
	46
	 	4.76	 	5.02	 	5.32	 	9.96	 	10.36
	47
	 	5.13	 	5.42	 	5.74	 	10.84	 	11.27
	48
	 	5.56	 	5.87	 	6.21	 	11.79	 	12.26
	49
	 	6.02	 	6.35	 	6.72	 	12.83	 	13.34
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.54	 	6.90	 	7.31	 	13.97	 	14.52
	51
	 	7.13	 	7.53	 	7.97	 	15.27	 	15.88
	52
	 	7.82	 	8.25	 	8.74	 	16.73	 	17.40
	53
	 	8.62	 	9.10	 	9.63	 	18.40	 	19.14
	54
	 	9.49	 	10.02	 	10.61	 	20.21	 	21.02
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.47	 	11.05	 	11.70	 	22.15	 	23.03
	56
	 	11.55	 	12.19	 	12.91	 	24.21	 	25.17
	57
	 	12.67	 	13.38	 	14.17	 	26.37	 	27.43
	58
	 	13.95	 	14.72	 	15.59	 	28.65	 	29.80
	59
	 	15.35	 	16.20	 	17.16	 	31.09	 	32.34







 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Males


[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	16.94	 	17.88	 	18.93	 	33.81	 	35.17
	61
	 	18.69	 	19.73	 	20.89	 	36.89	 	38.36
	62
	 	20.72	 	21.88	 	23.16	 	40.35	 	41.96
	63
	 	23.01	 	24.29	 	25.72	 	44.22	 	45.99
	64
	 	25.57	 	26.99	 	28.57	 	48.45	 	50.39
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	28.35	 	29.93	 	31.69	 	52.93	 	55.05
	66
	 	31.38	 	33.12	 	35.07	 	57.63	 	59.94
	67
	 	34.61	 	36.53	 	38.68	 	62.49	 	64.99
	68
	 	38.12	 	40.24	 	42.60	 	67.58	 	70.29
	69
	 	42.03	 	44.36	 	46.97	 	73.12	 	76.05
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	49.53	 	52.29	 	55.36	 	84.50	 	87.88
	71
	 	56.62	 	59.76	 	63.28	 	94.69	 	98.47
	72
	 	64.91	 	68.51	 	72.54	 	106.34	 	110.60
	73
	 	74.50	 	78.63	 	83.26	 	119.50	 	124.28
	74
	 	85.29	 	90.03	 	95.33	 	134.21	 	139.58
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	99.81	 	105.35	 	111.55	 	154.40	 	160.57
	76
	 	113.04	 	119.32	 	126.34	 	171.83	 	178.70
	77
	 	127.30	 	134.37	 	142.28	 	189.99	 	197.59
	78
	 	142.71	 	150.64	 	159.50	 	209.00	 	217.36
	79
	 	159.69	 	168.56	 	178.48	 	229.38	 	238.56
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	182.92	 	193.09	 	204.44	 	257.52	 	267.82
	81
	 	204.99      	 	216.38	 	229.11	 	282.76	 	294.07
	82
	 	230.21	 	243.00	 	257.29	 	311.00	 	323.44
	83
	 	258.60	 	272.97	 	289.03	 	342.00	 	355.68
	84
	 	289.87	 	305.98	 	323.98	 	375.07	 	390.07
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	330.13	 	348.48	 	368.97	 	417.73	 	434.44
	86
	 	366.47	 	386.83	 	409.59	 	453.14	 	471.27
	87
	 	404.55	 	427.02	 	452.14	 	490.36	 	509.98
	88
	 	444.21	 	468.89	 	496.48	 	529.87	 	551.07
	89
	 	486.00	 	513.00	 	543.18	 	570.34	 	593.16
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	540.05	 	570.06	 	603.59	 	623.36	 	648.29
	91
	 	588.70	 	621.41	 	657.96	 	668.24	 	694.97
	92
	 	642.54	 	678.23	 	718.13	 	719.79	 	748.58
	93
	 	706.06	 	745.29	 	789.13	 	784.18	 	815.55
	94
	 	789.59	 	833.46	 	882.48	 	869.54	 	904.33






 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Females


[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.40	 	1.48	 	1.57	 	1.68	 	1.75
	26
	 	1.44	 	1.52	 	1.61	 	1.74	 	1.81
	27
	 	1.46	 	1.55	 	1.64	 	1.79	 	1.86
	28
	 	1.50	 	1.58	 	1.68	 	1.86	 	1.93
	29
	 	1.55	 	1.64	 	1.73	 	1.94	 	2.01
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.60	 	1.69	 	1.79	 	2.02	 	2.10
	31
	 	1.65	 	1.74	 	1.84	 	2.10	 	2.19
	32
	 	1.69	 	1.79	 	1.89	 	2.19	 	2.28
	33
	 	1.76	 	1.85	 	1.96	 	2.30	 	2.39
	34
	 	1.84	 	1.94	 	2.06	 	2.43	 	2.53
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	1.92	 	2.03	 	2.15	 	2.58	 	2.68
	36
	 	2.05	 	2.16	 	2.29	 	2.79	 	2.90
	37
	 	2.20	 	2.33	 	2.46	 	3.05	 	3.17
	38
	 	2.37	 	2.50	 	2.65	 	3.34	 	3.47
	39
	 	2.55	 	2.70	 	2.85	 	3.66	 	3.81
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.76	 	2.91	 	3.08	 	4.05	 	4.21
	41
	 	2.99	 	3.16	 	3.34	 	4.46	 	4.63
	42
	 	3.22	 	3.40	 	3.60	 	4.87	 	5.06
	43
	 	3.45	 	3.64	 	3.86	 	5.27	 	5.49
	44
	 	3.68	 	3.88	 	4.11	 	5.68	 	5.91
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	3.93	 	4.15	 	4.40	 	6.11	 	6.36
	46
	 	4.20	 	4.43	 	4.69	 	6.57	 	6.83
	47
	 	4.50	 	4.75	 	5.03	 	7.03	 	7.31
	48
	 	4.81	 	5.07	 	5.37	 	7.53	 	7.83
	49
	 	5.14	 	5.43	 	5.75	 	8.08	 	8.41
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	5.53	 	5.84	 	6.18	 	8.67	 	9.02
	51
	 	5.96	 	6.29	 	6.66	 	9.30	 	9.67
	52
	 	6.44	 	6.80	 	7.20	 	10.01	 	10.41
	53
	 	6.97	 	7.36	 	7.79	 	10.80	 	11.24
	54
	 	7.52	 	7.94	 	8.40	 	11.61	 	12.08
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	8.10	 	8.55	 	9.05	 	12.44	 	21.94
	56
	 	8.69	 	9.17	 	9.71	 	13.27	 	13.80
	57
	 	9.26	 	9.78	 	10.35	 	14.03	 	14.59
	58
	 	9.84	 	10.39	 	11.00	 	14.78	 	15.38
	59
	 	10.48	 	11.07	 	11.72	 	15.59	 	16.22







 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Females


[***] Policy Fee






	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	11.25	 	11.87	 	12.57	 	16.55	 	17.22
	61
	 	12.19	 	12.87	 	13.62	 	17.76	 	18.47
	62
	 	13.36	 	14.11	 	14.94	 	19.31	 	20.08
	63
	 	14.80	 	15.63	 	16.55	 	21.19	 	22.03
	64
	 	16.43	 	17.34	 	18.36	 	23.29	 	24.22
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	18.17	 	19.18	 	20.31	 	25.51	 	26.53
	66
	 	19.99	 	21.10	 	22.34	 	27.75	 	28.87
	67
	 	21.83	 	23.04	 	24.39	 	29.93	 	31.13
	68
	 	23.74	 	25.06	 	26.53	 	32.13	 	33.42
	69
	 	25.87	 	27.31	 	28.91	 	34.53	 	35.91
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	30.25	 	31.93	 	33.81	 	39.85	 	41.45
	71
	 	34.55	 	36.47	 	38.61	 	45.04	 	46.84
	72
	 	39.83	 	42.04	 	44.51	 	51.39	 	53.44
	73
	 	46.22	 	48.79	 	51.66	 	58.99	 	61.35
	74
	 	53.71	 	56.70	 	60.03	 	67.82	 	70.53
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	63.98	 	67.53	 	71.50	 	79.83	 	83.02
	76
	 	73.75	 	77.84	 	82.42	 	90.92	 	94.55
	77
	 	84.52	 	89.21	 	94.46	 	102.87	 	106.98
	78
	 	96.49	 	101.85	 	107.84	 	115.87	 	120.51
	79
	 	110.04	 	116.15	 	122.98	 	130.34	 	135.55
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	128.59	 	135.74	 	143.72	 	150.20	 	156.20
	81
	 	147.19	 	155.37	 	164.50	 	169.45	 	176.23
	82
	 	168.93	 	178.31	 	188.80	 	191.63	 	199.30
	83
	 	193.88	 	204.65	 	216.69	 	217.52	 	226.22
	84
	 	221.96	 	234.29	 	248.08	 	246.20	 	256.05
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	258.21	 	272.55	 	288.58	 	285.64	 	297.07
	86
	 	292.79	 	309.06	 	327.24	 	323.01	 	335.93
	87
	 	330.40	 	348.76	 	369.27	 	363.29	 	377.82
	88
	 	371.17	 	391.79	 	414.84	 	406.77	 	423.04
	89
	 	415.49	 	438.57	 	464.37	 	453.58	 	471.72
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	472.21	 	498.45	 	527.77	 	515.62	 	536.25
	91
	 	526.39	 	555.63	 	588.31	 	574.83	 	597.83
	92
	 	587.63	 	620.27	 	656.76	 	641.70	 	667.37
	93
	 	659.95	 	696.62	 	737.60	 	720.69	 	749.51
	94
	 	752.39	 	794.19	 	840.91	 	824.73	 	857.72






 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-2




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Unisex


[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.66	 	1.75	 	1.85	 	2.49	 	2.59
	26
	 	1.68	 	1.78	 	1.88	 	2.59	 	2.69
	27
	 	1.70	 	1.79	 	1.90	 	2.61	 	2.72
	28
	 	1.72	 	1.82	 	1.93	 	2.66	 	2.77
	29
	 	1.76	 	1.86	 	1.97	 	2.71	 	2.82
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.80	 	1.90	 	2.01	 	2.78	 	2.90
	31
	 	1.84	 	1.94	 	2.06	 	2.88	 	2.99
	32
	 	1.89	 	1.99	 	2.11	 	2.99	 	3.11
	33
	 	1.96	 	2.07	 	2.19	 	3.15	 	3.28
	34
	 	2.05	 	2.17	 	2.29	 	3.34	 	3.47
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.15	 	2.27	 	2.40	 	3.56	 	3.70
	36
	 	2.27	 	2.39	 	2.54	 	3.82	 	3.97
	37
	 	2.42	 	2.55	 	2.70	 	4.15	 	4.31
	38
	 	2.59	 	2.73	 	2.89	 	4.52	 	4.71
	39
	 	2.77	 	2.92	 	3.09	 	4.94	 	5.14
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.98	 	3.15	 	3.33	 	5.44	 	5.65
	41
	 	3.20	 	3.38	 	3.58	 	5.96	 	6.20
	42
	 	3.44	 	3.63	 	3.85	 	6.54	 	6.80
	43
	 	3.71	 	3.92	 	4.15	 	7.16	 	7.45
	44
	 	3.99	 	4.21	 	4.46	 	7.83	 	8.15
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.30	 	4.54	 	4.81	 	8.54	 	8.88
	46
	 	4.65	 	4.90	 	5.19	 	9.28	 	9.66
	47
	 	5.01	 	5.28	 	5.60	 	10.08	 	10.48
	48
	 	5.41	 	5.71	 	6.04	 	10.94	 	11.37
	49
	 	5.84	 	6.17	 	6.53	 	11.88	 	12.35
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.34	 	6.69	 	7.08	 	12.91	 	13.42
	51
	 	6.90	 	7.28	 	7.71	 	14.08	 	14.64
	52
	 	7.54	 	7.96	 	8.43	 	15.39	 	16.00
	53
	 	8.29	 	8.75	 	9.26	 	16.88	 	17.56
	54
	 	9.10	 	9.60	 	10.17	 	18.49	 	19.23
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.00	 	10.55	 	11.17	 	20.21	 	21.02
	56
	 	10.98	 	11.59	 	12.27	 	22.02	 	22.90
	57
	 	11.99	 	12.66	 	13.40	 	23.90	 	24.86
	58
	 	13.12	 	13.85	 	14.67	 	25.88	 	26.91
	59
	 	14.38	 	15.17	 	16.07	 	27.99	 	29.11






 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.





 









 








S-2




SAFECO LIFE INSURANCE COMPANY

All SAFECO-Term Products

Ultimate Premium Rates – Unisex



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	15.80	 	16.68	 	17.66	 	30.36	 	31.58
	61
	 	17.39	 	18.36	 	19.44	 	33.06	 	34.39
	62
	 	19.25	 	20.32	 	21.52	 	36.14	 	37.59
	63
	 	21.37	 	22.56	 	23.88	 	39.61	 	41.20
	64
	 	23.74	 	25.06	 	26.53	 	43.42	 	45.16
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	26.31	 	27.78	 	29.41	 	47.45	 	49.35
	66
	 	29.10	 	30.72	 	32.52	 	51.66	 	53.72
	67
	 	32.05	 	33.83	 	35.82	 	55.98	 	58.22
	68
	 	35.24	 	37.20	 	39.39	 	60.49	 	62.91
	69
	 	38.80	 	40.95	 	43.36	 	65.41	 	68.02
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	45.68	 	48.22	 	51.05	 	75.57	 	78.60
	71
	 	52.20	 	55.10	 	58.34	 	84.76	 	88.15
	72
	 	59.89	 	63.22	 	66.94	 	95.35	 	99.16
	73
	 	68.84	 	72.66	 	76.94	 	107.40	 	111.69
	74
	 	78.98	 	83.36	 	88.27	 	120.93	 	125.77
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	92.64	 	97.79	 	103.54	 	139.48	 	145.06
	76
	 	105.18	 	111.02	 	117.55	 	155.64	 	161.87
	77
	 	118.74	 	125.34	 	132.71	 	172.57	 	179.47
	78
	 	133.47	 	140.88	 	149.17	 	190.38	 	197.99
	79
	 	149.76	 	158.08	 	167.38	 	209.57	 	217.95
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	172.06	 	181.62	 	192.30	 	236.06	 	245.50
	81
	 	193.43	 	204.18	 	216.19	 	260.09	 	270.50
	82
	 	217.95	 	230.06	 	243.59	 	287.12	 	298.61
	83
	 	245.66	 	259.31	 	274.56	 	317.11	 	329.79
	84
	 	276.29	 	291.64	 	308.80	 	349.29	 	363.26
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	315.75	 	333.29	 	352.90	 	391.31	 	406.96
	86
	 	351.74	 	371.28	 	393.12	 	427.12	 	444.20
	87
	 	389.72	 	411.37	 	435.57	 	464.95	 	483.55
	88
	 	429.61	 	453.47	 	480.15	 	505.25	 	525.46
	89
	 	471.90	 	498.12	 	527.42	 	546.99	 	568.87
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	526.48	 	555.73	 	588.42	 	601.81	 	625.88
	91
	 	576.24	 	608.25	 	644.03	 	649.56	 	675.54
	92
	 	631.55	 	666.64	 	705.85	 	704.17	 	732.34
	93
	 	696.84	 	735.56	 	778.82	 	771.48	 	802.34
	94
	 	782.15	 	825.60	 	874.17	 	860.58	 	895.00







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 









Schedule IV




Reinsurance Premiums








Rate Schedule S-3






03/06/98





26









 








3028-00-00

S-3




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 15


Current Premium Rates – Males


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	21
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	22
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	23
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	24
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.60	 	0.70	 	0.98	 	1.44	 	2.41
	26
	 	0.60	 	0.70	 	0.98	 	1.46	 	2.42
	27
	 	0.60	 	0.70	 	0.98	 	1.49	 	2.43
	28
	 	0.60	 	0.70	 	0.98	 	1.52	 	2.45
	29
	 	0.60	 	0.70	 	0.99	 	1.56	 	2.47
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.60	 	0.71	 	1.00	 	1.60	 	2.50
	31
	 	0.60	 	0.72	 	1.02	 	1.64	 	2.54
	32
	 	0.60	 	0.73	 	1.04	 	1.69	 	2.59
	33
	 	0.61	 	0.74	 	1.07	 	1.74	 	2.65
	34
	 	0.62	 	0.75	 	1.10	 	1.80	 	2.72
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.65	 	0.77	 	1.13	 	1.86	 	2.78
	36
	 	0.68	 	0.79	 	1.15	 	1.91	 	2.83
	37
	 	0.71	 	0.82	 	1.17	 	1.95	 	2.89
	38
	 	0.76	 	0.89	 	1.21	 	2.03	 	2.98
	39
	 	0.80	 	0.96	 	1.32	 	2.20	 	3.15
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.86	 	1.04	 	1.42	 	2.40	 	3.43
	41
	 	0.94	 	1.12	 	1.53	 	2.72	 	3.85
	42
	 	1.02	 	1.21	 	1.73	 	3.15	 	4.39
	43
	 	1.14	 	1.34	 	1.96	 	3.64	 	5.01
	44
	 	1.28	 	1.51	 	2.20	 	4.14	 	5.68
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.43	 	1.68	 	2.46	 	4.63	 	6.37
	46
	 	1.57	 	1.85	 	2.72	 	5.08	 	7.06
	47
	 	1.71	 	2.03	 	2.98	 	5.51	 	7.77
	48
	 	1.86	 	2.22	 	3.27	 	5.96	 	8.53
	49
	 	2.03	 	2.43	 	3.58	 	6.46	 	9.34






 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-3





SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 15

Current Premium Rates – Males


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	2.21	 	2.66	 	3.91	 	7.02	 	10.21
	51
	 	2.42	 	2.91	 	4.26	 	7.66	 	11.14
	52
	 	2.64	 	3.18	 	4.64	 	8.37	 	12.16
	53
	 	2.90	 	3.49	 	5.07	 	9.16	 	13.27
	54
	 	3.17	 	3.83	 	5.55	 	10.00	 	14.46
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	3.46	 	4.19	 	6.08	 	10.87	 	15.69
	56
	 	3.76	 	4.58	 	6.66	 	11.74	 	16.93
	57
	 	4.08	 	5.00	 	7.31	 	12.65	 	18.23
	58
	 	4.45	 	5.49	 	8.05	 	13.67	 	19.70
	59
	 	4.87	 	6.07	 	8.93	 	14.91	 	21.53
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	5.38	 	6.78	 	9.98	 	16.49	 	23.99
	61
	 	5.99	 	7.64	 	11.25	 	18.51	 	27.29
	62
	 	6.69	 	8.65	 	12.72	 	20.89	 	31.21
	63
	 	7.47	 	9.76	 	14.32	 	23.46	 	35.35
	64
	 	8.32	 	10.94	 	16.00	 	26.00	 	39.22
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	9.22	 	12.16	 	17.68	 	28.30	 	42.24







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 









S-3




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 15

Current Premium Rates – Females


[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.53	 	0.62	 	0.79	 	1.15	 	1.83
	21
	 	0.53	 	0.62	 	0.79	 	1.15	 	1.83
	22
	 	0.53	 	0.62	 	0.79	 	1.15	 	1.83
	23
	 	0.53	 	0.62	 	0.79	 	1.15	 	1.83
	24
	 	0.53	 	0.62	 	0.79	 	1.15	 	1.83
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.53	 	0.62	 	0.80	 	1.16	 	1.85
	26
	 	0.53	 	0.62	 	0.81	 	1.18	 	1.88
	27
	 	0.53	 	0.62	 	0.81	 	1.20	 	1.92
	28
	 	0.54	 	0.62	 	0.82	 	1.22	 	1.97
	29
	 	0.54	 	0.62	 	0.83	 	1.25	 	2.02
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.54	 	0.62	 	0.84	 	1.28	 	2.07
	31
	 	0.54	 	0.62	 	0.85	 	1.30	 	2.10
	32
	 	0.54	 	0.62	 	0.86	 	1.32	 	2.13
	33
	 	0.54	 	0.63	 	0.87	 	1.35	 	2.16
	34
	 	0.54	 	0.65	 	0.90	 	1.39	 	2.22
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.55	 	0.67	 	0.93	 	1.46	 	2.31
	36
	 	0.57	 	0.70	 	0.98	 	1.56	 	2.45
	37
	 	0.61	 	0.75	 	1.04	 	1.70	 	2.63
	38
	 	0.66	 	0.80	 	1.11	 	1.85	 	2.83
	39
	 	0.71	 	0.85	 	1.19	 	2.01	 	3.06
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.76	 	0.92	 	1.28	 	2.19	 	3.30
	41
	 	0.82	 	0.97	 	1.38	 	2.37	 	3.55
	42
	 	0.87	 	1.03	 	1.48	 	2.57	 	3.81
	43
	 	0.93	 	1.09	 	1.60	 	2.77	 	4.09
	44
	 	1.00	 	1.17	 	1.72	 	2.99	 	4.40
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.07	 	1.26	 	1.84	 	3.22	 	4.74
	46
	 	1.15	 	1.36	 	1.96	 	3.46	 	5.11
	47
	 	1.24	 	1.47	 	2.09	 	3.71	 	5.51
	48
	 	1.33	 	1.59	 	2.23	 	3.98	 	5.95
	49
	 	1.44	 	1.71	 	2.38	 	4.28	 	6.41






 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.





 










 





S-3




SAFECO LIFE INSURANCE COMPANY




SAFECO - Term 15

Current Premium Rates – Females



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.54	 	1.84	 	2.54	 	4.60	 	6.89
	51
	 	1.65	 	1.97	 	2.71	 	4.95	 	7.37
	52
	 	1.76	 	2.11	 	2.90	 	5.34	 	7.87
	53
	 	1.88	 	2.25	 	3.11	 	5.76	 	8.43
	54
	 	2.03	 	2.42	 	3.36	 	6.20	 	9.09
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.20	 	2.61	 	3.65	 	6.65	 	9.89
	56
	 	2.41	 	2.82	 	3.99	 	7.09	 	10.86
	57
	 	2.65	 	3.06	 	4.38	 	7.55	 	11.98
	58
	 	2.92	 	3.34	 	4.83	 	8.06	 	13.20
	59
	 	3.20	 	3.65	 	5.33	 	8.69	 	14.52
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	3.47	 	3.99	 	5.88	 	9.46	 	15.91
	61
	 	3.72	 	4.36	 	6.48	 	10.42	 	17.39
	62
	 	3.97	 	4.79	 	7.15	 	11.56	 	18.97
	63
	 	4.26	 	5.28	 	7.91	 	12.84	 	20.61
	64
	 	4.62	 	5.87	 	8.77	 	14.20	 	22.23
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	5.09	 	6.56	 	9.74	 	15.58	 	23.69





 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-3




SAFECO LIFE INSURANCE COMPANY




SAFECO - Term 15

Guaranteed Premium Rates – Unisex



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	0.00	 	0.00	 	0.94	 	0.00	 	2.29
	16
	 	0.00	 	0.00	 	0.94	 	0.00	 	2.29
	17
	 	0.00	 	0.00	 	0.94	 	0.00	 	2.29
	18
	 	0.00	 	0.00	 	0.94	 	0.00	 	2.29
	19
	 	0.00	 	0.00	 	0.94	 	0.00	 	2.29
	 
	 	 	 	 	 	 	 	 	 	 
	20
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.29
	21
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.29
	22
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.29
	23
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.29
	24
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.29
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.59	 	0.68	 	0.94	 	1.38	 	2.30
	26
	 	0.59	 	0.68	 	0.95	 	1.40	 	2.31
	27
	 	0.59	 	0.68	 	0.95	 	1.43	 	2.33
	28
	 	0.59	 	0.68	 	0.95	 	1.46	 	2.35
	29
	 	0.59	 	0.68	 	0.96	 	1.50	 	2.38
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.59	 	0.69	 	0.97	 	1.54	 	2.41
	31
	 	0.59	 	0.70	 	0.99	 	1.57	 	2.45
	32
	 	0.59	 	0.71	 	1.00	 	1.62	 	2.50
	33
	 	0.60	 	0.72	 	1.03	 	1.66	 	2.55
	34
	 	0.60	 	0.73	 	1.06	 	1.72	 	2.62
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.63	 	0.75	 	1.09	 	1.78	 	2.69
	36
	 	0.66	 	0.77	 	1.12	 	1.84	 	2.75
	37
	 	0.69	 	0.81	 	1.14	 	1.90	 	2.84
	38
	 	0.74	 	0.87	 	1.19	 	1.99	 	2.95
	39
	 	0.78	 	0.94	 	1.25	 	2.13	 	3.13
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.84	 	1.02	 	1.35	 	2.34	 	3.40
	41
	 	0.92	 	1.09	 	1.50	 	2.65	 	3.79
	42
	 	0.99	 	1.17	 	1.68	 	3.03	 	4.27
	43
	 	1.10	 	1.29	 	1.89	 	3.47	 	4.83
	44
	 	1.22	 	1.44	 	2.10	 	3.91	 	5.42
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.36	 	1.60	 	2.34	 	4.35	 	6.04
	46
	 	1.49	 	1.75	 	2.57	 	4.76	 	6.67
	47
	 	1.62	 	1.92	 	2.80	 	5.15	 	7.32
	48
	 	1.75	 	2.09	 	3.06	 	5.56	 	8.01
	49
	 	1.91	 	2.29	 	3.34	 	6.02	 	8.75





 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





SAFECO LIFE INSURANCE COMPANY




SAFECO - Term 15

Guaranteed Premium Rates – Unisex



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	2.08	 	2.50	 	3.64	 	6.54	 	9.55
	51
	 	2.27	 	2.72	 	3.95	 	7.12	 	10.39
	52
	 	2.46	 	2.97	 	4.29	 	7.76	 	11.30
	53
	 	2.70	 	3.24	 	4.68	 	8.48	 	12.30
	54
	 	2.94	 	3.55	 	5.11	 	9.24	 	13.39
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	3.21	 	3.87	 	5.59	 	10.03	 	14.53
	56
	 	3.49	 	4.23	 	6.13	 	10.81	 	15.72
	57
	 	3.79	 	4.61	 	6.72	 	11.63	 	16.98
	58
	 	4.14	 	5.06	 	7.41	 	12.55	 	18.40
	59
	 	4.54	 	5.59	 	8.21	 	13.67	 	20.13
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	5.00	 	6.22	 	9.16	 	15.08	 	22.37
	61
	 	5.54	 	6.98	 	10.30	 	16.89	 	25.31
	62
	 	6.15	 	7.88	 	11.61	 	19.02	 	28.76
	63
	 	6.83	 	8.86	 	13.04	 	21.34	 	32.40
	64
	 	7.58	 	9.93	 	14.55	 	23.64	 	35.82
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	8.39	 	11.04	 	16.09	 	25.76	 	38.53




 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 








S-3




SAFECO LIFE INSURANCE COMPANY




All SAFECO - Term Products

Ultimate Premium Rates – Males




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.72	 	1.81	 	1.92	 	2.70	 	2.81
	26
	 	1.74	 	1.84	 	1.95	 	2.80	 	2.91
	27
	 	1.76	 	1.85	 	1.96	 	2.82	 	2.93
	28
	 	1.78	 	1.88	 	1.99	 	2.86	 	2.98
	29
	 	1.82	 	1.92	 	2.03	 	2.91	 	3.02
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.85	 	1.96	 	2.07	 	2.97	 	3.09
	31
	 	1.89	 	1.99	 	2.11	 	3.07	 	3.20
	32
	 	1.94	 	2.04	 	2.16	 	3.20	 	3.32
	33
	 	2.01	 	2.12	 	2.25	 	3.36	 	3.50
	34
	 	2.11	 	2.22	 	2.35	 	3.56	 	3.70
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.20	 	2.33	 	2.46	 	3.80	 	3.96
	36
	 	2.32	 	2.45	 	2.60	 	4.08	 	4.24
	37
	 	2.47	 	2.61	 	2.76	 	4.42	 	4.60
	38
	 	2.64	 	2.79	 	2.95	 	4.82	 	5.01
	39
	 	2.82	 	2.98	 	3.15	 	5.26	 	5.47
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	3.04	 	3.21	 	3.40	 	5.78	 	6.01
	41
	 	3.26	 	3.44	 	3.64	 	6.34	 	6.59
	42
	 	3.50	 	3.69	 	3.91	 	6.96	 	7.23
	43
	 	3.78	 	3.99	 	4.22	 	7.63	 	7.94
	44
	 	4.07	 	4.29	 	4.55	 	8.37	 	8.71
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.39	 	4.64	 	4.91	 	9.14	 	9.51
	46
	 	4.76	 	5.02	 	5.32	 	9.96	 	10.36
	47
	 	5.13	 	5.42	 	5.74	 	10.84	 	11.27
	48
	 	5.56	 	5.87	 	6.21	 	11.79	 	12.26
	49
	 	6.02	 	6.35	 	6.72	 	12.83	 	13.34
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.54	 	6.90	 	7.31	 	13.97	 	14.52
	51
	 	7.13	 	7.53	 	7.97	 	15.27	 	15.88
	52
	 	7.82	 	8.25	 	8.74	 	16.73	 	17.40
	53
	 	8.62	 	9.10	 	9.63	 	18.40	 	19.14
	54
	 	9.49	 	10.02	 	10.61	 	20.21	 	21.02
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.47	 	11.05	 	11.70	 	22.15	 	23.03
	56
	 	11.55	 	12.19	 	12.91	 	24.21	 	25.17
	57
	 	12.67	 	13.38	 	14.17	 	26.37	 	27.43
	58
	 	13.95	 	14.72	 	15.59	 	28.65	 	29.80
	59
	 	15.35	 	16.20	 	17.16	 	31.09	 	32.34




 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-3




SAFECO LIFE INSURANCE COMPANY




All SAFECO - Term Products

Ultimate Premium Rates – Males




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	16.94	 	17.88	 	18.93	 	33.81	 	35.17
	61
	 	18.69	 	19.73	 	20.89	 	36.89	 	38.36
	62
	 	20.72	 	21.88	 	23.16	 	40.35	 	41.96
	63
	 	23.01	 	24.29	 	25.72	 	44.22	 	45.99
	64
	 	25.57	 	26.29	 	28.57	 	48.45	 	50.39
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	28.35	 	29.93	 	31.69	 	52.93	 	55.05
	66
	 	31.38	 	33.12	 	35.07	 	57.63	 	59.94
	67
	 	34.61	 	36.53	 	38.68	 	62.49	 	64.99
	68
	 	38.12	 	40.24	 	42.60	 	67.58	 	70.29
	69
	 	42.03	 	44.36	 	46.97	 	73.12	 	76.05
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	49.53	 	52.29	 	55.36	 	84.50	 	87.88
	71
	 	56.62	 	59.76	 	63.28	 	94.69	 	98.47
	72
	 	64.91	 	68.51	 	72.54	 	106.34	 	110.60
	73
	 	74.50	 	78.63	 	83.26	 	119.50	 	124.28
	74
	 	85.29	 	90.03	 	95.33	 	134.21	 	139.58
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	99.81	 	105.35	 	111.55	 	154.40	 	160.57
	76
	 	113.04	 	119.32	 	126.34	 	171.83	 	178.70
	77
	 	127.30	 	134.37	 	142.28	 	189.99	 	197.59
	78
	 	142.71	 	150.64	 	159.50	 	209.00	 	217.36
	79
	 	159.69	 	168.56	 	178.48	 	229.38	 	238.56
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	182.92	 	193.09	 	204.44	 	257.52	 	267.82
	81
	 	204.99	 	216.38	 	229.11	 	282.76	 	294.07
	82
	 	230.21	 	243.00	 	257.29	 	311.00	 	323.44
	83
	 	258.60	 	272.97	 	289.03	 	342.00	 	355.68
	84
	 	289.87	 	305.98	 	323.98	 	375.07	 	390.07
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	330.13	 	348.48	 	368.97	 	417.73	 	434.44
	86
	 	366.47	 	386.83	 	409.59	 	453.14	 	471.27
	87
	 	404.55	 	427.02	 	452.14	 	490.36	 	509.98
	88
	 	444.21	 	468.89	 	496.48	 	529.87	 	551.07
	89
	 	486.00	 	513.00	 	543.18	 	570.34	 	593.16
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	540.05	 	570.06	 	603.59	 	623.36	 	648.29
	91
	 	588.70	 	621.41	 	657.96	 	668.24	 	694.97
	92
	 	642.54	 	678.23	 	718.13	 	719.79	 	748.58
	93
	 	706.06	 	745.29	 	789.13	 	784.18	 	815.55
	94
	 	789.59	 	833.46	 	882.48	 	869.54	 	904.33





 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-3




SAFECO LIFE INSURANCE COMPANY




All SAFECO - Term Products

Ultimate Premium Rates – Females




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.40	 	1.48	 	1.57	 	1.68	 	1.75
	26
	 	1.44	 	1.52	 	1.61	 	1.74	 	1.81
	27
	 	1.46	 	1.55	 	1.64	 	1.79	 	1.86
	28
	 	1.50	 	1.58	 	1.68	 	1.86	 	1.93
	29
	 	1.55	 	1.64	 	1.73	 	1.94	 	2.01
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.60	 	1.69	 	1.79	 	2.02	 	2.10
	31
	 	1.65	 	1.74	 	1.84	 	2.10	 	2.19
	32
	 	1.69	 	1.79	 	1.89	 	2.19	 	2.28
	33
	 	1.76	 	1.85	 	1.96	 	2.30	 	2.39
	34
	 	1.84	 	1.94	 	2.06	 	2.43	 	2.53
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	1.92	 	2.03	 	2.15	 	2.58	 	2.68
	36
	 	2.05	 	2.16	 	2.29	 	2.79	 	2.90
	37
	 	2.20	 	2.33	 	2.46	 	3.05	 	3.17
	38
	 	2.37	 	2.50	 	2.65	 	3.34	 	3.47
	39
	 	2.55	 	2.70	 	2.85	 	3.66	 	3.81
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.76	 	2.91	 	3.08	 	4.05	 	4.21
	41
	 	2.99	 	3.16	 	3.34	 	4.46	 	4.63
	42
	 	3.22	 	3.40	 	3.60	 	4.87	 	5.06
	43
	 	3.45	 	3.64	 	3.86	 	5.27	 	5.49
	44
	 	3.68	 	3.88	 	4.11	 	5.68	 	5.91
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	3.93	 	4.15	 	4.40	 	6.11	 	6.36
	46
	 	4.20	 	4.43	 	4.69	 	6.57	 	6.83
	47
	 	4.50	 	4.75	 	5.03	 	7.03	 	7.31
	48
	 	4.81	 	5.07	 	5.37	 	7.53	 	7.83
	49
	 	5.14	 	5.43	 	5.75	 	8.08	 	8.41
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	5.53	 	5.84	 	6.18	 	8.67	 	9.02
	51
	 	5.96	 	6.29	 	6.66	 	9.30	 	9.67
	52
	 	6.44	 	6.80	 	7.20	 	10.01	 	10.41
	53
	 	6.97	 	7.36	 	7.79	 	10.80	 	11.24
	54
	 	7.52	 	7.94	 	8.40	 	11.61	 	12.08
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	8.10	 	8.55	 	9.05	 	12.44	 	12.94
	56
	 	8.69	 	9.17	 	9.71	 	13.27	 	13.80
	57
	 	9.26	 	9.78	 	10.35	 	14.03	 	14.59
	58
	 	9.84	 	10.39	 	11.00	 	14.78	 	15.38
	59
	 	10.48	 	11.07	 	11.72	 	15.59	 	16.22







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.




 









 





S-3




SAFECO LIFE INSURANCE COMPANY




All SAFECO-Term Products

Ultimate Premium Rates – Females



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	11.25	 	11.87	 	12.57	 	16.55	 	17.22
	61
	 	12.19	 	12.87	 	13.62	 	17.76	 	18.47
	62
	 	13.36	 	14.11	 	14.94	 	19.31	 	20.08
	63
	 	14.80	 	15.63	 	16.55	 	21.19	 	22.03
	64
	 	16.43	 	17.34	 	18.36	 	23.29	 	24.22
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	18.17	 	19.18	 	20.31	 	25.51	 	26.53
	66
	 	19.99	 	21.10	 	22.34	 	27.75	 	28.87
	67
	 	21.83	 	23.04	 	24.39	 	29.93	 	31.13
	68
	 	23.74	 	25.06	 	26.53	 	32.13	 	33.42
	69
	 	25.87	 	27.31	 	28.91	 	34.53	 	35.91
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	30.25	 	31.93	 	33.81	 	39.85	 	41.45
	71
	 	34.55	 	36.47	 	38.61	 	45.04	 	46.84
	72
	 	39.83	 	42.04	 	44.51	 	51.39	 	53.44
	73
	 	46.22	 	48.79	 	51.66	 	58.99	 	61.35
	74
	 	53.71	 	56.70	 	60.03	 	67.82	 	70.53
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	63.98	 	67.53	 	71.50	 	79.83	 	83.02
	76
	 	73.75	 	77.84	 	82.42	 	90.92	 	94.55
	77
	 	84.52	 	89.21	 	94.46	 	102.87	 	106.98
	78
	 	96.49	 	101.85	 	107.84	 	115.87	 	120.51
	79
	 	110.04	 	116.15	 	122.98	 	130.34	 	135.55
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	128.59	 	135.74	 	143.72	 	150.20	 	156.20
	81
	 	147.19	 	155.37	 	164.50	 	169.45	 	176.23
	82
	 	168.93	 	178.31	 	188.80	 	191.63	 	199.30
	83
	 	193.88	 	204.65	 	216.69	 	217.52	 	226.22
	84
	 	221.96	 	234.29	 	248.08	 	246.20	 	256.05
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	258.21	 	272.55	 	288.58	 	285.64	 	297.07
	86
	 	292.79	 	309.06	 	327.24	 	323.01	 	335.93
	87
	 	330.40	 	348.76	 	369.27	 	363.29	 	377.82
	88
	 	371.17	 	391.79	 	414.84	 	406.77	 	423.04
	89
	 	415.49	 	438.57	 	464.37	 	453.58	 	471.72
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	472.21	 	498.45	 	527.77	 	515.62	 	536.25
	91
	 	526.39	 	555.63	 	588.31	 	574.83	 	597.83
	92
	 	587.63	 	620.27	 	656.76	 	641.70	 	667.37
	93
	 	659.95	 	696.62	 	737.60	 	720.69	 	749.51
	94
	 	752.39	 	794.19	 	840.91	 	824.73	 	857.72






 


Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed separately with the
Securities and Exchange Commission.




 









 





S-3




SAFECO LIFE INSURANCE COMPANY




All SAFECO-Term Products

Ultimate Premium Rates – Unisex



[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.66	 	1.75	 	1.85	 	2.49	 	2.59
	26
	 	1.68	 	1.78	 	1.88	 	2.59	 	2.69
	27
	 	1.70	 	1.79	 	1.90	 	2.61	 	2.72
	28
	 	1.72	 	1.82	 	1.93	 	2.66	 	2.77
	29
	 	1.76	 	1.86	 	1.97	 	2.71	 	2.82
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.80	 	1.90	 	2.01	 	2.78	 	2.90
	31
	 	1.84	 	1.94	 	2.06	 	2.88	 	2.99
	32
	 	1.89	 	1.99	 	2.11	 	2.99	 	3.11
	33
	 	1.96	 	2.07	 	2.19	 	3.15	 	3.28
	34
	 	2.05	 	2.17	 	2.29	 	3.34	 	3.47
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.15	 	2.27	 	2.40	 	3.56	 	3.70
	36
	 	2.27	 	2.39	 	2.54	 	3.82	 	3.97
	37
	 	2.42	 	2.55	 	2.70	 	4.15	 	4.31
	38
	 	2.59	 	2.73	 	2.89	 	4.52	 	4.71
	39
	 	2.77	 	2.92	 	3.09	 	4.94	 	5.14
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.98	 	3.15	 	3.33	 	5.44	 	5.65
	41
	 	3.20	 	3.38	 	3.58	 	5.96	 	6.20
	42
	 	3.44	 	3.63	 	3.85	 	6.54	 	6.80
	43
	 	3.71	 	3.92	 	4.15	 	7.16	 	7.45
	44
	 	3.99	 	4.21	 	4.46	 	7.83	 	8.15
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.30	 	4.54	 	4.81	 	8.54	 	8.88
	46
	 	4.65	 	4.90	 	5.19	 	9.28	 	9.66
	47
	 	5.01	 	5.28	 	5.60	 	10.08	 	10.48
	48
	 	5.41	 	5.71	 	6.04	 	10.94	 	11.37
	49
	 	5.84	 	6.17	 	6.53	 	11.88	 	12.35
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.34	 	6.69	 	7.08	 	12.91	 	13.42
	51
	 	6.90	 	7.28	 	7.71	 	14.08	 	14.64
	52
	 	7.54	 	7.96	 	8.43	 	15.39	 	16.00
	53
	 	8.29	 	8.75	 	9.26	 	16.88	 	17.56
	54
	 	9.10	 	9.60	 	10.17	 	18.49	 	19.23
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.00	 	10.55	 	11.17	 	20.21	 	21.02
	56
	 	10.98	 	11.59	 	12.27	 	22.02	 	22.90
	57
	 	11.99	 	12.66	 	13.40	 	23.90	 	24.86
	58
	 	13.12	 	13.85	 	14.67	 	25.88	 	26.91
	59
	 	14.38	 	15.17	 	16.07	 	27.99	 	29.11






 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.





 









 





SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term

Products Ultimate Premium Rates – Unisex



[***] Policy Fee






	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	15.80	 	16.68	 	17.66	 	30.36	 	31.58
	61
	 	17.39	 	18.36	 	19.44	 	33.06	 	34.39
	62
	 	19.25	 	20.32	 	21.52	 	36.14	 	37.59
	63
	 	21.37	 	22.56	 	23.88	 	39.61	 	41.20
	64
	 	23.74	 	25.06	 	26.53	 	43.42	 	45.16
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	26.31	 	27.78	 	29.41	 	47.45	 	49.35
	66
	 	29.10	 	30.72	 	32.52	 	51.66	 	53.72
	67
	 	32.05	 	33.83	 	35.82	 	55.98	 	58.22
	68
	 	35.24	 	37.20	 	39.39	 	60.49	 	62.91
	69
	 	38.80	 	40.95	 	43.36	 	65.41	 	68.02
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	45.68	 	48.22	 	51.05	 	75.57	 	78.60
	71
	 	52.20	 	55.10	 	58.34	 	84.76	 	88.15
	72
	 	59.89	 	63.22	 	66.94	 	95.35	 	99.16
	73
	 	68.84	 	72.66	 	76.94	 	107.40	 	111.69
	74
	 	78.98	 	83.36	 	88.27	 	120.93	 	125.77
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	92.64	 	97.79	 	103.54	 	139.48	 	145.06
	76
	 	105.18	 	111.02	 	117.55	 	155.64	 	161.87
	77
	 	118.74	 	125.34	 	132.71	 	172.57	 	179.47
	78
	 	133.47	 	140.88	 	149.17	 	190.38	 	197.99
	79
	 	149.76	 	158.08	 	167.38	 	209.57	 	217.95
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	172.06	 	181.62	 	192.30	 	236.06	 	245.50
	81
	 	193.43	 	204.18	 	216.19	 	260.09	 	270.50
	82
	 	217.95	 	230.06	 	243.59	 	287.12	 	298.61
	83
	 	245.66	 	259.31	 	274.56	 	317.11	 	329.79
	84
	 	276.29	 	291.64	 	308.80	 	349.29	 	363.26
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	315.75	 	333.29	 	352.90	 	391.31	 	406.96
	86
	 	351.74	 	371.28	 	393.12	 	427.12	 	444.20
	87
	 	389.72	 	411.37	 	435.57	 	464.95	 	483.55
	88
	 	429.61	 	453.47	 	480.15	 	505.25	 	525.46
	89
	 	471.90	 	498.12	 	527.42	 	546.99	 	568.87
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	526.48	 	555.73	 	588.42	 	601.81	 	625.88
	91
	 	576.24	 	608.25	 	644.03	 	649.56	 	675.54
	92
	 	631.55	 	666.64	 	705.85	 	704.17	 	732.34
	93
	 	696.84	 	735.56	 	778.82	 	771.48	 	802.34
	94
	 	782.15	 	825.60	 	874.17	 	860.58	 	895.00







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp. this information has been filed separately
with the Securities and Exchange Commission.















 





Schedule IV




Reinsurance Premiums









Rate Schedule S-4








27









 






3028-00-00

S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 20

Current Premium Rates – Males




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	21
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	22
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	23
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	24
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.74	 	0.92	 	1.25	 	1.79	 	2.90
	26
	 	0.74	 	0.92	 	1.26	 	1.81	 	2.90
	27
	 	0.75	 	0.93	 	1.28	 	1.83	 	2.90
	28
	 	0.75	 	0.94	 	1.29	 	1.86	 	2.90
	29
	 	0.75	 	0.95	 	1.31	 	1.90	 	2.92
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.76	 	0.96	 	1.33	 	1.95	 	2.98
	31
	 	0.76	 	0.97	 	1.34	 	2.00	 	3.08
	32
	 	0.76	 	0.98	 	1.34	 	2.06	 	3.21
	33
	 	0.77	 	1.00	 	1.36	 	2.14	 	3.38
	34
	 	0.78	 	1.03	 	1.38	 	2.24	 	3.57
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.80	 	1.07	 	1.43	 	2.38	 	3.78
	36
	 	0.84	 	1.13	 	1.50	 	2.55	 	4.01
	37
	 	0.88	 	1.21	 	1.59	 	2.77	 	4.26
	38
	 	0.94	 	1.30	 	1.71	 	3.02	 	4.56
	39
	 	1.02	 	1.40	 	1.85	 	3.32	 	4.92
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	1.11	 	1.51	 	2.02	 	3.67	 	5.36
	41
	 	1.22	 	1.62	 	2.22	 	4.09	 	5.90
	42
	 	1.34	 	1.74	 	2.46	 	4.56	 	6.53
	43
	 	1.48	 	1.88	 	2.72	 	5.08	 	7.23
	44
	 	1.64	 	2.03	 	3.00	 	5.63	 	7.98
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.81	 	2.21	 	3.30	 	6.21	 	8.77
	46
	 	2.00	 	2.42	 	3.61	 	6.80	 	9.58
	47
	 	2.21	 	2.65	 	3.95	 	7.42	 	10.44
	48
	 	2.44	 	2.92	 	4.31	 	8.08	 	11.36
	49
	 	2.68	 	3.20	 	4.69	 	8.79	 	12.36




 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 20

Current Premium Rates – Males




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	2.93	 	3.49	 	5.09	 	9.55	 	13.47
	51
	 	3.17	 	3.79	 	5.50	 	10.37	 	14.70
	52
	 	3.40	 	4.09	 	5.93	 	11.25	 	16.02
	53
	 	3.68	 	4,44	 	6.40	 	12.20	 	17.43
	54
	 	4.04	 	4.84	 	6.94	 	13.22	 	18.94
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	4.56	 	5.33	 	7.60	 	14.37	 	20.59
	56
	 	5.30	 	5.94	 	8.40	 	15.67	 	22.42
	57
	 	6.19	 	6.64	 	9.32	 	17.10	 	24.40
	58
	 	7.14	 	7.40	 	10.32	 	18.59	 	26.40
	59
	 	7.99	 	8.17	 	11.33	 	20.03	 	28.26
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	8.60	 	8.86	 	12.27	 	21.25	 	29.70





 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.




 









 





S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term20

Current Premium Rates – Females




[***] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	20
	 	0.61	 	0.74	 	1.03	 	1.29	 	2.02
	21
	 	0.61	 	0.74	 	1.03	 	1.29	 	2.02
	22
	 	0.61	 	0.74	 	1.03	 	1.29	 	2.02
	23
	 	0.61	 	0.74	 	1.03	 	1.29	 	2.02
	24
	 	0.61	 	0.74	 	1.03	 	1.29	 	2.02
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.62	 	0.75	 	1.03	 	1.29	 	2.05
	26
	 	0.63	 	0.75	 	1.04	 	1.32	 	2.10
	27
	 	0.64	 	0.75	 	1.05	 	1.36	 	2.16
	28
	 	0.64	 	0.75	 	1.07	 	1.42	 	2.24
	29
	 	0.65	 	0.75	 	1.08	 	1.47	 	2.32
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.66	 	0.75	 	1.10	 	1.53	 	2.40
	31
	 	0.66	 	0.76	 	1.11	 	1.58	 	2.46
	32
	 	0.66	 	0.78	 	1.12	 	1.63	 	2.51
	33
	 	0.66	 	0.81	 	1.13	 	1.70	 	2.58
	34
	 	0.66	 	0.84	 	1.15	 	1.77	 	2.67
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.67	 	0.88	 	1.17	 	1.87	 	2.82
	36
	 	0.70	 	0.93	 	1.23	 	2.00	 	3.03
	37
	 	0.74	 	1.00	 	1.31	 	2.14	 	3.29
	38
	 	0.79	 	1.07	 	1.41	 	2.31	 	3.60
	39
	 	0.85	 	1.14	 	1.51	 	2.50	 	3.92
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	0.91	 	1.22	 	1.62	 	2.71	 	4.25
	41
	 	0.97	 	1.30	 	1.73	 	2.94	 	4.58
	42
	 	1.03	 	1.38	 	1.85	 	3.18	 	4.93
	43
	 	1.11	 	1.47	 	1.98	 	3.45	 	5.29
	44
	 	1.19	 	1.56	 	2.13	 	3.73	 	5.69
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.28	 	1.67	 	2.28	 	4.02	 	6.12
	46
	 	1.39	 	1.79	 	2.45	 	4.32	 	6.59
	47
	 	1.51	 	1.92	 	2.63	 	4.64	 	7.10
	48
	 	1.65	 	2.06	 	2.83	 	4.97	 	7.64
	49
	 	1.79	 	2.21	 	3.04	 	5.33	 	8.22







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.





 










 





S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 20

Current Premium Rates – Females




[* * *] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	1.94	 	2.38	 	3.26	 	5.72	 	8.82
	51
	 	2.08	 	2.56	 	3.49	 	6.14	 	9.44
	52
	 	2.23	 	2.75	 	3.37	 	6.58	 	10.08
	53
	 	2.39	 	2.96	 	4.00	 	7.06	 	10.76
	54
	 	2.57	 	3.19	 	4.31	 	7.57	 	11.50
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	2.79	 	3.45	 	4.66	 	8.14	 	12.35
	56
	 	3.05	 	3.75	 	5.08	 	8.77	 	13.34
	57
	 	3.35	 	4.08	 	5.56	 	9.47	 	14.45
	58
	 	3.68	 	4.44	 	6.09	 	10.21	 	15.59
	59
	 	4.00	 	4.82	 	6.63	 	10.95	 	16.63
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	4.28	 	5.18	 	7.16	 	11.60	 	17.39








 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 





S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 20

Guaranteed Premium Rates – Unisex




[* * *] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	0.00	 	0.00	 	1.21	 	0.00	 	2.72
	16
	 	0.00	 	0.00	 	1.21	 	0.00	 	2.72
	17
	 	0.00	 	0.00	 	1.21	 	0.00	 	2.72
	18
	 	0.00	 	0.00	 	1.21	 	0.00	 	2.72
	19
	 	0.00	 	0.00	 	1.21	 	0.00	 	2.72
	 
	 	 	 	 	 	 	 	 	 	 
	20
	 	0.71	 	0.88	 	1.21	 	1.69	 	2.72
	21
	 	0.71	 	0.88	 	1.21	 	1.69	 	2.72
	22
	 	0.71	 	0.88	 	1.21	 	1.69	 	2.72
	23
	 	0.71	 	0.88	 	1.21	 	1.69	 	2.72
	24
	 	0.71	 	0.88	 	1.21	 	1.69	 	2.72
	 
	 	 	 	 	 	 	 	 	 	 
	25
	 	0.72	 	0.89	 	1.21	 	1.69	 	2.73
	26
	 	0.72	 	0.89	 	1.22	 	1.71	 	2.74
	27
	 	0.73	 	0.89	 	1.23	 	1.74	 	2.75
	28
	 	0.73	 	0.90	 	1.25	 	1.77	 	2.77
	29
	 	0.73	 	0.91	 	1.26	 	1.81	 	2.80
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	0.74	 	0.92	 	1.28	 	1.87	 	2.86
	31
	 	0.74	 	0.93	 	1.29	 	1.92	 	2.96
	32
	 	0.74	 	0.94	 	1.29	 	1.97	 	3.07
	33
	 	0.75	 	0.96	 	1.31	 	2.05	 	3.22
	34
	 	0.76	 	0.99	 	1.33	 	2.15	 	3.39
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	0.77	 	1.03	 	1.38	 	2.28	 	3.59
	36
	 	0.81	 	1.09	 	1.45	 	2.44	 	3.81
	37
	 	0.85	 	1.17	 	1.53	 	2.64	 	4.07
	38
	 	0.91	 	1.25	 	1.65	 	2.88	 	4.37
	39
	 	0.99	 	1.35	 	1.78	 	3.16	 	4.72
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	1.07	 	1.45	 	1.94	 	3.48	 	5.14
	41
	 	1.17	 	1.56	 	2.12	 	3.86	 	5.64
	42
	 	1.28	 	1.67	 	2.34	 	4.28	 	6.21
	43
	 	1.41	 	1.80	 	2.57	 	4.75	 	6.84
	44
	 	1.55	 	1.94	 	2.83	 	5.25	 	7.52
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	1.70	 	2.10	 	3.10	 	5.77	 	8.24
	46
	 	1.88	 	2.29	 	3.38	 	6.30	 	8.98
	47
	 	2.07	 	2.50	 	3.69	 	6.86	 	9.77
	48
	 	2.28	 	2.75	 	4.01	 	7.46	 	10.62
	49
	 	2.50	 	3.00	 	4.36	 	8.10	 	11.53







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 






S-4




SAFECO LIFE INSURANCE COMPANY




SAFECO-Term 20

Guaranteed Premium Rates – Unisex




[* * *] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	50
	 	2.73	 	3.27	 	4.72	 	8.78	 	12.54
	51
	 	2.95	 	3.54	 	5.10	 	9.52	 	13.65
	52
	 	3.17	 	3.82	 	5.49	 	10.32	 	14.83
	53
	 	3.42	 	4.14	 	5.92	 	11.17	 	16.10
	54
	 	3.75	 	4.51	 	6.41	 	12.09	 	17.45
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	4.21	 	4.95	 	7.01	 	13.12	 	18.94
	56
	 	4.85	 	5.50	 	7.74	 	14.29	 	20.60
	57
	 	5.62	 	6.13	 	8.57	 	15.57	 	22.41
	58
	 	6.45	 	6.81	 	9.47	 	16.91	 	22.24
	59
	 	7.19	 	7.50	 	10.39	 	18.21	 	25.93
	 
	 	 	 	 	 	 	 	 	 	 
	60
	 	7.74	 	8.12	 	11.25	 	19.32	 	27.24






 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 





S-4




SAFECO LIFE INSURANCE COMPANY




All SAFECO –Term Products

Ultimate Premium Rates – Males




[* * *] Policy Fee




	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.72	 	1.81	 	1.92	 	2.70	 	2.81
	26
	 	1.74	 	1.84	 	1.95	 	2.80	 	2.91
	27
	 	1.76	 	1.85	 	1.96	 	2.82	 	2.93
	28
	 	1.78	 	1.88	 	1.99	 	2.86	 	2.98
	29
	 	1.82	 	1.92	 	2.03	 	2.91	 	3.02
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.85	 	1.96	 	2.07	 	2.97	 	3.09
	31
	 	1.89	 	1.99	 	2.11	 	3.07	 	3.20
	32
	 	1.94	 	2.04	 	2.16	 	3.20	 	3.32
	33
	 	2.01	 	2.12	 	2.25	 	3.36	 	3.50
	34
	 	2.11	 	2.22	 	2.35	 	3.56	 	3.70
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.20	 	2.33	 	2.46	 	3.80	 	3.96
	36
	 	2.32	 	2.45	 	2.60	 	4.08	 	4.24
	37
	 	2.47	 	2.61	 	2.76	 	4.42	 	4.60
	38
	 	2.64	 	2.79	 	2.95	 	4.82	 	5.01
	39
	 	2.82	 	2.98	 	3.15	 	5.26	 	5.47
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	3.04	 	3.21	 	3.40	 	5.78	 	6.01
	41
	 	3.26	 	3.44	 	3.64	 	6.64	 	6.59
	42
	 	3.50	 	3.69	 	3.91	 	6.96	 	7.23
	43
	 	3.78	 	3.99	 	4.22	 	7.63	 	7.94
	44
	 	4.07	 	4.29	 	4.55	 	8.37	 	8.71
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.39	 	4.64	 	4.91	 	9.14	 	9.51
	46
	 	4.76	 	5.02	 	5.32	 	9.96	 	10.36
	47
	 	5.13	 	5.42	 	5.74	 	10.84	 	11.27
	48
	 	5.56	 	5.87	 	6.21	 	11.79	 	12.26
	49
	 	6.02	 	6.35	 	6.72	 	12.83	 	13.34
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.54	 	6.90	 	7.31	 	13.97	 	14.52
	51
	 	7.13	 	7.53	 	7.97	 	15.27	 	15.88
	52
	 	7.82	 	8.25	 	8.74	 	16.73	 	17.40
	53
	 	8.62	 	9.10	 	9.63	 	18.40	 	19.14
	54
	 	9.49	 	10.02	 	10.61	 	20.21	 	21.02
	 
	 	 	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	.	 	 	 	 
	55
	 	10.47	 	11.05	 	11.70	 	22.15	 	23.03
	56
	 	11.55	 	12.19	 	12.91	 	24.21	 	25.17
	57
	 	12.67	 	13.38	 	14.17	 	26.37	 	27.43
	58
	 	13.95	 	14.72	 	15.59	 	28.65	 	29.80
	59
	 	15.35	 	16.20	 	17.16	 	31.09	 	32.34







 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 





S-4




SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term Products

Ultimate Premium Rates – Males



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	16.94	 	17.88	 	18.93	 	33.81	 	35.17
	61
	 	18.69	 	19.73	 	20.89	 	36.89	 	38.36
	62
	 	20.72	 	21.88	 	23.16	 	40.35	 	41.96
	63
	 	23.01	 	24.29	 	25.72	 	44.22	 	45.99
	64
	 	25.57	 	26.99	 	28.57	 	48.45	 	50.39
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	28.35	 	29.93	 	31.69	 	52.93	 	55.05
	66
	 	31.38	 	33.12	 	35.07	 	57.63	 	59.94
	67
	 	34.61	 	36.53	 	38.68	 	62.49	 	64.99
	68
	 	38.12	 	40.24	 	42.60	 	67.58	 	70.29
	69
	 	42.03	 	44.36	 	46.97	 	73.12	 	76.05
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	49.53	 	52.29	 	55.36	 	84.50	 	87.88
	71
	 	56.62	 	59.76	 	63.28	 	94.69	 	98.47
	72
	 	64.91	 	68.51	 	72.54	 	106.34	 	110.60
	73
	 	74.50	 	78.63	 	83.26	 	119.50	 	124.28
	74
	 	85.29	 	90.03	 	95.33	 	134.21	 	139.58
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	99.81	 	105.35	 	111.55	 	154.40	 	160.57
	76
	 	113.04	 	119.32	 	126.34	 	171.83	 	178.70
	77
	 	127.30	 	134.37	 	142.28	 	189.99	 	197.59
	78
	 	142.71	 	150.64	 	159.50	 	209.00	 	217.36
	79
	 	159.69	 	168.56	 	178.48	 	229.38	 	238.56
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	182.92	 	193.09	 	204.44	 	257.52	 	267.82
	81
	 	204.99	 	216.38	 	229.11	 	282.76	 	294.07
	82
	 	230.21	 	243.00	 	257.29	 	311.00	 	323.44
	83
	 	258.60	 	272.97	 	289.03	 	342.00	 	355.68
	84
	 	289.87	 	305.98	 	323.98	 	375.07	 	390.07
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	330.13	 	348.48	 	368.97	 	417.73	 	434.44
	86
	 	366.47	 	386.83	 	409.59	 	453.14	 	471.27
	87
	 	404.55	 	427.02	 	452.14	 	490.36	 	509.98
	88
	 	444.21	 	468.89	 	496.48	 	529.87	 	551.07
	89
	 	486.00	 	513.00	 	543.18	 	570.34	 	593.16
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	540.05	 	570.06	 	603.59	 	623.36	 	648.29
	91
	 	588.70	 	621.41	 	657.96	 	668.24	 	694.97
	92
	 	642.54	 	678.23	 	718.13	 	719.79	 	748.58
	93
	 	706.06	 	745.29	 	789.13	 	784.18	 	815.55
	94
	 	789.59	 	833.46	 	882.48	 	869.54	 	904.33






 



Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed separately with the
Securities and Exchange Commission.



 









 




S-4




SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term Products

Ultimate Premium Rates – Females



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.40	 	1.48	 	1.57	 	1.68	 	1.75
	26
	 	1.44	 	1.52	 	1.61	 	1.74	 	1.81
	27
	 	1.46	 	1.55	 	1.64	 	1.79	 	1.86
	28
	 	1.50	 	1.58	 	1.68	 	1.86	 	1.93
	29
	 	1.55	 	1.64	 	1.73	 	1.94	 	2.01
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.60	 	1.69	 	1.79	 	2.02	 	2.10
	31
	 	1.65	 	1.74	 	1.84	 	2.10	 	2.19
	32
	 	1.69	 	1.79	 	1.89	 	2.19	 	2.28
	33
	 	1.76	 	1.85	 	1.96	 	2.30	 	2.39
	34
	 	1.84	 	1.94	 	2.06	 	2.43	 	2.53
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	1.92	 	2.03	 	2.15	 	2.58	 	2.68
	36
	 	2.05	 	2.16	 	2.29	 	2.79	 	2.90
	37
	 	2.20	 	2.33	 	2.46	 	3.05	 	3.17
	38
	 	2.37	 	2.50	 	2.65	 	3.34	 	3.47
	39
	 	2.55	 	2.70	 	2.85	 	3.66	 	3.81
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.76	 	2.91	 	3.08	 	4.05	 	4.21
	41
	 	2.99	 	3.16	 	3.34	 	4.46	 	4.63
	42
	 	3.22	 	3.40	 	3.60	 	4.87	 	5.06
	43
	 	3.45	 	3.64	 	3.86	 	5.27	 	5.49
	44
	 	3.68	 	3.88	 	4.11	 	5.68	 	5.91
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	3.93	 	4.15	 	4.40	 	6.11	 	6.36
	46
	 	4.20	 	4.43	 	4.69	 	6.57	 	6.83
	47
	 	4.50	 	4.75	 	5.03	 	7.03	 	7.31
	48
	 	4.81	 	5.07	 	5.37	 	7.53	 	7.83
	49
	 	5.14	 	5.43	 	5.75	 	8.08	 	8.41
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	5.53	 	5.84	 	6.18	 	8.67	 	9.02
	51
	 	5.96	 	6.29	 	6.66	 	9.30	 	9.67
	52
	 	6.44	 	6.80	 	7.20	 	10.01	 	10.41
	53
	 	6.97	 	7.36	 	7.79	 	10.80	 	11.24
	54
	 	7.52	 	7.94	 	8.40	 	11.61	 	12.08
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	8.10	 	8.55	 	9.05	 	12.44	 	12.94
	56
	 	8.69	 	9.17	 	9.71	 	13.27	 	13.80
	57
	 	9.26	 	9.78	 	10.35	 	14.03	 	14.59
	58
	 	9.84	 	10.39	 	11.00	 	14.78	 	15.38
	59
	 	10.48	 	11.07	 	11.72	 	15.59	 	16.22








 

Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed separately with the
Securities and Exchange Commission.



 









 






S-4




SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term Products

Ultimate Premium Rates – Females



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	11.25	 	11.87	 	12.57	 	16.55	 	17.22
	61
	 	12.19	 	12.87	 	13.62	 	17.76	 	18.47
	62
	 	13.36	 	14.11	 	14.94	 	19.31	 	20.8
	63
	 	14.80	 	15.63	 	16.55	 	21.19	 	2203
	64
	 	16.43	 	17.34	 	18.36	 	23.29	 	24.22
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	18.17	 	19.18	 	20.31	 	25.51	 	26.53
	66
	 	19.99	 	21.10	 	22.34	 	27.75	 	28.87
	67
	 	21.83	 	23.04	 	24.39	 	29.93	 	31.13
	68
	 	23.74	 	25.06	 	26.53	 	32.13	 	33.42
	69
	 	25.87	 	27.31	 	28.91	 	34.53	 	35.91
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	30.25	 	31.93	 	33.81	 	39.85	 	41.45
	71
	 	34.55	 	36.47	 	38.61	 	45.04	 	46.84
	72
	 	39.83	 	42.04	 	44.51	 	51.39	 	53.44
	73
	 	46.22	 	48.79	 	51.66	 	58.99	 	61.35
	74
	 	53.71	 	56.70	 	60.03	 	67.82	 	70.53
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	63.98	 	67.53	 	71.50	 	79.83	 	83.02
	76
	 	73.75	 	77.84	 	82.42	 	90.92	 	94.55
	77
	 	84.52	 	89.21	 	94.46	 	102.87	 	106.98
	78
	 	96.49	 	101.85	 	107.84	 	115.87	 	120.51
	79
	 	110.04	 	116.15	 	122.98	 	130.34	 	135.55
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	128.59	 	135.74	 	143.72	 	150.20	 	156.20
	81
	 	147.19	 	155.37	 	164.50	 	169.45	 	176.23
	82
	 	168.93	 	178.31	 	188.80	 	191.63	 	199.30
	83
	 	193.88	 	204.65	 	216.69	 	217.52	 	226.22
	84
	 	221.96	 	234.29	 	248.08	 	246.20	 	256.05
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	258.21	 	272.55	 	288.58	 	285.64	 	297.07
	86
	 	292.79	 	309.06	 	327.24	 	323.01	 	335.93
	87
	 	330.40	 	348.76	 	369.27	 	363.29	 	377.82
	88
	 	371.17	 	391.79	 	414.84	 	406.77	 	423.04
	89
	 	415.49	 	438.57	 	464.37	 	453.58	 	471.72
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	472.21	 	498.45	 	527.77	 	515.62	 	536.25
	91
	 	526.39	 	555.63	 	588.31	 	574.83	 	597.83
	92
	 	587.63	 	620.27	 	656.76	 	641.70	 	667.37
	93
	 	659.95	 	696.62	 	737.60	 	720.69	 	749.51
	94
	 	752.39	 	794.19	 	840.91	 	824.73	 	857.72






 


Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 





S-4



SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term Products

Ultimate Premium Rates – Unisex



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age 	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	1.66	 	1.75	 	1.85	 	2.49	 	2.59
	26
	 	1.68	 	1.78	 	1.88	 	2.59	 	2.69
	27
	 	1.70	 	1.79	 	1.90	 	2.61	 	2.72
	28
	 	1.72	 	1.82	 	1.93	 	2.66	 	2.77
	29
	 	1.76	 	1.86	 	1.97	 	2.71	 	2.82
	 
	 	 	 	 	 	 	 	 	 	 
	30
	 	1.80	 	1.90	 	2.01	 	2.78	 	2.90
	31
	 	1.84	 	1.94	 	2.06	 	2.88	 	2.99
	32
	 	1.89	 	1.99	 	2.11	 	2.99	 	3.11
	33
	 	1.96	 	2.07	 	2.19	 	3.15	 	3.28
	34
	 	2.05	 	2.17	 	2.29	 	3.34	 	3.47
	 
	 	 	 	 	 	 	 	 	 	 
	35
	 	2.15	 	2.27	 	2.40	 	3.56	 	3.70
	36
	 	2.27	 	2.39	 	2.54	 	3.82	 	3.97
	37
	 	2.42	 	2.55	 	2.70	 	4.15	 	4.31
	38
	 	2.59	 	2.73	 	2.89	 	4.52	 	4.71
	39
	 	2.77	 	2.92	 	3.09	 	4.94	 	5.14
	 
	 	 	 	 	 	 	 	 	 	 
	40
	 	2.98	 	3.15	 	3.33	 	5.44	 	5.65
	41
	 	3.20	 	3.38	 	3.58	 	5.96	 	6.20
	42
	 	3.44	 	3.63	 	3.85	 	6.54	 	6.80
	43
	 	3.71	 	3.92	 	4.15	 	7.16	 	7.45
	44
	 	3.99	 	4.21	 	4.46	 	7.83	 	8.15
	 
	 	 	 	 	 	 	 	 	 	 
	45
	 	4.30	 	4.54	 	4.81	 	8.54	 	8.88
	46
	 	4.65	 	4.90	 	5.19	 	9.28	 	9.66
	47
	 	5.01	 	5.28	 	5.60	 	10.08	 	10.48
	48
	 	5.41	 	5.71	 	6.04	 	10.94	 	11.37
	49
	 	5.84	 	6.17	 	6.53	 	11.88	 	12.35
	 
	 	 	 	 	 	 	 	 	 	 
	50
	 	6.34	 	6.69	 	7.08	 	12.91	 	13.42
	51
	 	6.90	 	7.28	 	7.71	 	14.08	 	14.64
	52
	 	7.54	 	7.96	 	8.43	 	15.39	 	16.00
	53
	 	8.29	 	8.75	 	9.26	 	16.88	 	17.56
	54
	 	9.10	 	9.60	 	10.17	 	18.49	 	19.23
	 
	 	 	 	 	 	 	 	 	 	 
	55
	 	10.00	 	10.55	 	11.17	 	20.21	 	21.02
	56
	 	10.98	 	11.59	 	12.27	 	22.02	 	22.90
	57
	 	11.99	 	12.66	 	13,40	 	23.90	 	24.86
	58
	 	13.12	 	13.85	 	14.67	 	25.88	 	26.91
	59
	 	14.38	 	15.17	 	16.07	 	27.99	 	29.11






 




Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed separately with the
Securities and Exchange Commission.



 









 





SAFECO LIFE INSURANCE COMPANY



All SAFECO-Term Products

Ultimate premium Rates – Unisex



[***] Policy Fee





	 	 	 	 	 	 	 	 	 	 	 
	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	60
	 	15.80	 	16.68	 	17.66	 	30.36	 	31.58
	61
	 	17.39	 	18.36	 	19.44	 	33.06	 	34.39
	62
	 	19.25	 	20.32	 	21.52	 	36.14	 	37.59
	63
	 	21.37	 	22.56	 	23.88	 	39.61	 	41.20
	64
	 	23.74	 	25.06	 	26.53	 	43.42	 	45.16
	 
	 	 	 	 	 	 	 	 	 	 
	65
	 	26.31	 	27.78	 	29.41	 	47.45	 	49.35
	66
	 	29.10	 	30.72	 	32.52	 	51.66	 	53.72
	67
	 	32.05	 	33.83	 	35.82	 	55.98	 	58.22
	68
	 	35.24	 	37.20	 	39.39	 	60.49	 	62.91
	69
	 	38.80	 	40.95	 	43.36	 	65.41	 	68.02
	 
	 	 	 	 	 	 	 	 	 	 
	70
	 	45.68	 	48.22	 	51.05	 	75.57	 	78.60
	71
	 	52.20	 	55.10	 	58.34	 	84.76	 	88.15
	72
	 	59.89	 	63.22	 	66.94	 	95.35	 	99.16
	73
	 	68.84	 	72.66	 	76.94	 	107.40	 	111.69
	74
	 	78.98	 	83.36	 	88.27	 	120.93	 	125.77
	 
	 	 	 	 	 	 	 	 	 	 
	75
	 	92.64	 	97.79	 	103.54	 	139.48	 	145.06
	76
	 	105.18	 	111.02	 	117.55	 	155.64	 	161.87
	77
	 	118.74	 	125.34	 	132.71	 	172.57	 	179.47
	78
	 	133.47	 	140.88	 	149.17	 	190.38	 	197.99
	79
	 	149.76	 	158.08	 	167.38	 	209.57	 	217.95
	 
	 	 	 	 	 	 	 	 	 	 
	80
	 	172.06	 	181.62	 	192.30	 	236.06	 	245.50
	81
	 	193.43	 	204.18	 	216.19	 	260.09	 	270.50
	82
	 	217.95	 	230.06	 	243.59	 	287.12	 	298.61
	83
	 	245.66	 	259.31	 	274.56	 	317.11	 	329.79
	84
	 	276.29	 	291.64	 	308.80	 	349.29	 	363.26
	 
	 	 	 	 	 	 	 	 	 	 
	85
	 	315.75	 	333.29	 	352.90	 	391.31	 	406.96
	86
	 	351.74	 	371.28	 	393.12	 	427.12	 	444.20
	87
	 	389.72	 	411.37	 	435.57	 	464.95	 	483.55
	88
	 	429.61	 	453.47	 	480.15	 	505.25	 	525.46
	89
	 	471.90	 	498.12	 	527.42	 	546.99	 	568.87
	 
	 	 	 	 	 	 	 	 	 	 
	90
	 	526.48	 	555.73	 	588.42	 	601.81	 	625.88
	91
	 	576.24	 	608.25	 	644.03	 	649.56	 	675.54
	92
	 	631.55	 	666.64	 	705.85	 	704.17	 	732.34
	93
	 	696.84	 	735.56	 	778.82	 	771.48	 	802.34
	94
	 	782.15	 	825.60	 	874.17	 	860.58	 	895.00






 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.



 









 





Schedule IV 




Reinsurance Premiums 









Rate Schedules S – 5








28









 






3028-00-00

S-5




SUPPLEMENTARY BENEFITS RATES




	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Level Period	 	 	ART for After Level Period
	Issue	 	 	 	 	 	 	Attn	 	 
	Age	 	WP	 	 	Age	 	WP
	15
	 	 	0.06	 	 	 	 	25	 	 	 	0.06	 
	16
	 	 	0.06	 	 	 	 	26	 	 	 	0.06	 
	17
	 	 	0.06	 	 	 	 	27	 	 	 	0.07	 
	18
	 	 	0.06	 	 	 	 	28	 	 	 	0.07	 
	19
	 	 	0.06	 	 	 	 	29	 	 	 	0.08	 
	20
	 	 	0.06	 	 	 	 	30	 	 	 	0.08	 
	21
	 	 	0.06	 	 	 	 	31	 	 	 	0.08	 
	22
	 	 	0.07	 	 	 	 	32	 	 	 	0.09	 
	23
	 	 	0.07	 	 	 	 	33	 	 	 	0.09	 
	24
	 	 	0.07	 	 	 	 	34	 	 	 	0.09	 
	25
	 	 	0.07	 	 	 	 	35	 	 	 	0.10	 
	26
	 	 	0.08	 	 	 	 	36	 	 	 	0.11	 
	27
	 	 	0.08	 	 	 	 	37	 	 	 	0.12	 
	28
	 	 	0.09	 	 	 	 	38	 	 	 	0.13	 
	29
	 	 	0.09	 	 	 	 	39	 	 	 	0.13	 
	30
	 	 	0.10	 	 	 	 	40	 	 	 	0.15	 
	31
	 	 	0.10	 	 	 	 	41	 	 	 	0.17	 
	32
	 	 	0.11	 	 	 	 	42	 	 	 	0.18	 
	33
	 	 	0.12	 	 	 	 	43	 	 	 	0.20	 
	34
	 	 	0.13	 	 	 	 	44	 	 	 	0.23	 
	35
	 	 	0.14	 	 	 	 	45	 	 	 	0.27	 
	36
	 	 	0.16	 	 	 	 	46	 	 	 	0.33	 
	37
	 	 	0.18	 	 	 	 	47	 	 	 	0.38	 
	38
	 	 	0.20	 	 	 	 	48	 	 	 	0.46	 
	39
	 	 	0.22	 	 	 	 	49	 	 	 	0.57	 
	40
	 	 	0.26	 	 	 	 	50	 	 	 	0.73	 
	41
	 	 	0.31	 	 	 	 	51	 	 	 	0.96	 
	42
	 	 	0.37	 	 	 	 	52	 	 	 	1.25	 
	43
	 	 	0.46	 	 	 	 	53	 	 	 	1.59	 
	44
	 	 	0.57	 	 	 	 	54	 	 	 	1.90	 
	45
	 	 	0.71	 	 	 	 	55	 	 	 	2.18	 
	46
	 	 	0.87	 	 	 	 	56	 	 	 	2.38	 
	47
	 	 	1.06	 	 	 	 	57	 	 	 	2.55	 
	48
	 	 	1.26	 	 	 	 	58	 	 	 	2.70	 
	49
	 	 	1.48	 	 	 	 	59	 	 	 	2.88	 
	50
	 	 	1.72	 	 	 	 	60	 	 	 	 	 
	51
	 	 	1.89	 	 	 	 	61	 	 	 	 	 
	52
	 	 	2.06	 	 	 	 	62	 	 	 	 	 
	53
	 	 	2.23	 	 	 	 	63	 	 	 	 	 
	54
	 	 	2.38	 	 	 	 	64	 	 	 	 	 
	55
	 	 	2.51	 	 	 	 	 	 	 	 	 	 
	56
	 	 	 	 	 	 	 	 	 	 	 	 	 
	57
	 	 	 	 	 	 	 	 	 	 	 	 	 
	58
	 	 	 	 	 	 	 	 	 	 	 	 	 
	59
	 	 	 	 	 	 	 	 	 	 	 	 	 
	60
	 	 	 	 	 	 	 	 	 	 	 	 	 






 









 






Schedule IV 




Reinsurance Premiums 









 Rate Schedules S-6 









29










 





     



RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 1 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Nonsmoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:	 	005680
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	000
	 	 	1.01	 	 	 	.71	 	 	 	.53	 	 	 	.46	 	 	 	.39	 	 	 	.33	 	 	 	.32	 	 	 	.30	 	 	 	.30	 	 	 	.30	 	 	 	.30	 	 	 	.34	 	 	 	.40	 	 	 	.54	 	 	 	.71	 	 	 	.97	 	 	 	1.20	 	 	 	1.29	 	 	 	1.35	 	 	 	1.40	 	 	 	1.41	 	 	 	020	 
	001
	 	 	.49	 	 	 	.49	 	 	 	.44	 	 	 	.37	 	 	 	.30	 	 	 	.26	 	 	 	.25	 	 	 	.27	 	 	 	.28	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.54	 	 	 	.71	 	 	 	.99	 	 	 	1.23	 	 	 	1.31	 	 	 	1.38	 	 	 	1.42	 	 	 	1.44	 	 	 	1.43	 	 	 	021	 
	002
	 	 	.41	 	 	 	.39	 	 	 	.34	 	 	 	.30	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.28	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.53	 	 	 	.71	 	 	 	.99	 	 	 	1.26	 	 	 	1.35	 	 	 	1.42	 	 	 	1.47	 	 	 	1.49	 	 	 	1.48	 	 	 	1.47	 	 	 	022	 
	003
	 	 	.37	 	 	 	.32	 	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.52	 	 	 	.70	 	 	 	.98	 	 	 	1.24	 	 	 	1.38	 	 	 	1.45	 	 	 	1.52	 	 	 	1.54	 	 	 	1.55	 	 	 	1.53	 	 	 	1.52	 	 	 	023	 
	004
	 	 	.32	 	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.50	 	 	 	.69	 	 	 	.95	 	 	 	1.22	 	 	 	1.33	 	 	 	1.48	 	 	 	1.55	 	 	 	1.59	 	 	 	1.59	 	 	 	1.59	 	 	 	1.58	 	 	 	1.58	 	 	 	024	 
	 
	005
	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.50	 	 	 	.68	 	 	 	.94	 	 	 	1.19	 	 	 	1.30	 	 	 	1.39	 	 	 	1.57	 	 	 	1.61	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	025	 
	006
	 	 	.25	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.38	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.16	 	 	 	1.29	 	 	 	1.36	 	 	 	1.43	 	 	 	1.63	 	 	 	1.65	 	 	 	1.66	 	 	 	1.67	 	 	 	1.67	 	 	 	1.68	 	 	 	1.68	 	 	 	026	 
	007
	 	 	.22	 	 	 	.24	 	 	 	.25	 	 	 	.30	 	 	 	.33	 	 	 	.38	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.65	 	 	 	1.68	 	 	 	1.69	 	 	 	1.69	 	 	 	1.70	 	 	 	1.70	 	 	 	1.72	 	 	 	027	 
	008
	 	 	.22	 	 	 	.24	 	 	 	.26	 	 	 	.33	 	 	 	.37	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.65	 	 	 	1.69	 	 	 	1.70	 	 	 	1.71	 	 	 	1.71	 	 	 	1.72	 	 	 	1.75	 	 	 	028	 
	009
	 	 	.22	 	 	 	.25	 	 	 	.30	 	 	 	.37	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.64	 	 	 	1.71	 	 	 	1.71	 	 	 	1.72	 	 	 	1.73	 	 	 	1.76	 	 	 	1.79	 	 	 	029	 
	 
	010
	 	 	.22	 	 	 	.27	 	 	 	.36	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.63	 	 	 	1.64	 	 	 	1.72	 	 	 	1.72	 	 	 	1.74	 	 	 	1.76	 	 	 	1.80	 	 	 	1.84	 	 	 	030	 
	011
	 	 	.25	 	 	 	.33	 	 	 	.49	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.63	 	 	 	1.61	 	 	 	1.63	 	 	 	1.73	 	 	 	1.74	 	 	 	1.77	 	 	 	1.81	 	 	 	1.84	 	 	 	1.87	 	 	 	031	 
	012
	 	 	.31	 	 	 	.46	 	 	 	.66	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.41	 	 	 	1.46	 	 	 	1.53	 	 	 	1.60	 	 	 	1.63	 	 	 	1.61	 	 	 	1.62	 	 	 	1.64	 	 	 	1.75	 	 	 	1.77	 	 	 	1.81	 	 	 	1.85	 	 	 	1.88	 	 	 	1.90	 	 	 	032	 
	013
	 	 	.43	 	 	 	.61	 	 	 	.88	 	 	 	1.12	 	 	 	1.27	 	 	 	1.34	 	 	 	1.41	 	 	 	1.44	 	 	 	1.47	 	 	 	1.51	 	 	 	1.58	 	 	 	1.61	 	 	 	1.61	 	 	 	1.64	 	 	 	1.66	 	 	 	1.78	 	 	 	1.81	 	 	 	1.85	 	 	 	1.87	 	 	 	1.90	 	 	 	1.91	 	 	 	033	 
	014
	 	 	.52	 	 	 	.74	 	 	 	.99	 	 	 	1.13	 	 	 	1.19	 	 	 	1.24	 	 	 	1.29	 	 	 	1.30	 	 	 	1.31	 	 	 	1.35	 	 	 	1.40	 	 	 	1.46	 	 	 	1.47	 	 	 	1.52	 	 	 	1.57	 	 	 	1.67	 	 	 	1.71	 	 	 	1.74	 	 	 	1.76	 	 	 	1.78	 	 	 	1.79	 	 	 	034	 
	 
	015
	 	 	.66	 	 	 	.87	 	 	 	.98	 	 	 	1.04	 	 	 	1.08	 	 	 	1.10	 	 	 	1.12	 	 	 	1.13	 	 	 	1.13	 	 	 	1.17	 	 	 	1.22	 	 	 	1.28	 	 	 	1.32	 	 	 	1.39	 	 	 	1.46	 	 	 	1.55	 	 	 	1.60	 	 	 	1.62	 	 	 	1.64	 	 	 	1.66	 	 	 	1.78	 	 	 	035	 
	016
	 	 	.86	 	 	 	.97	 	 	 	1.02	 	 	 	1.06	 	 	 	1.08	 	 	 	1.07	 	 	 	1.09	 	 	 	1.09	 	 	 	1.10	 	 	 	1.13	 	 	 	1.17	 	 	 	1.25	 	 	 	1.30	 	 	 	1.39	 	 	 	1.47	 	 	 	1.56	 	 	 	1.60	 	 	 	1.63	 	 	 	1.65	 	 	 	1.66	 	 	 	1.79	 	 	 	036	 
	017
	 	 	.91	 	 	 	.99	 	 	 	1.02	 	 	 	1.05	 	 	 	1.05	 	 	 	1.03	 	 	 	1.05	 	 	 	1.06	 	 	 	1.07	 	 	 	1.10	 	 	 	1.15	 	 	 	1.24	 	 	 	1.30	 	 	 	1.39	 	 	 	1.49	 	 	 	1.57	 	 	 	1.61	 	 	 	1.63	 	 	 	1.65	 	 	 	1.66	 	 	 	1.68	 	 	 	037	 
	018
	 	 	.91	 	 	 	.96	 	 	 	.98	 	 	 	1.00	 	 	 	.99	 	 	 	.99	 	 	 	1.00	 	 	 	1.01	 	 	 	1.03	 	 	 	1.07	 	 	 	1.15	 	 	 	1.23	 	 	 	1.31	 	 	 	1.40	 	 	 	1.50	 	 	 	1.58	 	 	 	1.61	 	 	 	1.63	 	 	 	1.64	 	 	 	1.66	 	 	 	1.66	 	 	 	038	 
	019
	 	 	.88	 	 	 	.91	 	 	 	.92	 	 	 	.93	 	 	 	.93	 	 	 	.93	 	 	 	.94	 	 	 	.95	 	 	 	1.00	 	 	 	1.06	 	 	 	1.15	 	 	 	1.23	 	 	 	1.32	 	 	 	1.41	 	 	 	1.52	 	 	 	1.60	 	 	 	1.62	 	 	 	1.63	 	 	 	1.64	 	 	 	1.64	 	 	 	1.64	 	 	 	039	 
	 
	020
	 	 	.81	 	 	 	.84	 	 	 	.84	 	 	 	.84	 	 	 	.86	 	 	 	.86	 	 	 	.88	 	 	 	.91	 	 	 	.97	 	 	 	1.04	 	 	 	1.15	 	 	 	1.23	 	 	 	1.32	 	 	 	1.42	 	 	 	1.53	 	 	 	1.61	 	 	 	1.63	 	 	 	1.64	 	 	 	1.64	 	 	 	1.63	 	 	 	1.63	 	 	 	040	 
	021
	 	 	.72	 	 	 	.75	 	 	 	.75	 	 	 	.76	 	 	 	.77	 	 	 	.80	 	 	 	.83	 	 	 	.86	 	 	 	.95	 	 	 	1.03	 	 	 	1.14	 	 	 	1.24	 	 	 	1.33	 	 	 	1.43	 	 	 	1.55	 	 	 	1.63	 	 	 	1.64	 	 	 	1.64	 	 	 	1.63	 	 	 	1.62	 	 	 	1.63	 	 	 	041	 
	022
	 	 	.67	 	 	 	.70	 	 	 	.69	 	 	 	.70	 	 	 	.72	 	 	 	.75	 	 	 	.80	 	 	 	.85	 	 	 	.93	 	 	 	1.03	 	 	 	1.15	 	 	 	1.24	 	 	 	1.33	 	 	 	1.44	 	 	 	1.56	 	 	 	1.65	 	 	 	1.66	 	 	 	1.65	 	 	 	1.65	 	 	 	1.66	 	 	 	1.68	 	 	 	042	 
	023
	 	 	.66	 	 	 	.68	 	 	 	.67	 	 	 	.68	 	 	 	.70	 	 	 	.75	 	 	 	.80	 	 	 	.85	 	 	 	.94	 	 	 	1.05	 	 	 	1.16	 	 	 	1.24	 	 	 	1.34	 	 	 	1.46	 	 	 	1.58	 	 	 	1.67	 	 	 	1.68	 	 	 	1.68	 	 	 	1.71	 	 	 	1.74	 	 	 	1.80	 	 	 	043	 
	024
	 	 	.64	 	 	 	.65	 	 	 	.65	 	 	 	.66	 	 	 	.69	 	 	 	.74	 	 	 	.79	 	 	 	.86	 	 	 	.95	 	 	 	1.06	 	 	 	1.17	 	 	 	1.25	 	 	 	1.35	 	 	 	1.49	 	 	 	1.60	 	 	 	1.69	 	 	 	1.71	 	 	 	1.74	 	 	 	1.80	 	 	 	1.86	 	 	 	1.94	 	 	 	044	 
	 
	025
	 	 	.62	 	 	 	.62	 	 	 	.63	 	 	 	.65	 	 	 	.68	 	 	 	.74	 	 	 	.79	 	 	 	.87	 	 	 	.97	 	 	 	1.08	 	 	 	1.18	 	 	 	1.27	 	 	 	1.38	 	 	 	1.52	 	 	 	1.63	 	 	 	1.73	 	 	 	1.77	 	 	 	1.84	 	 	 	1.92	 	 	 	2.01	 	 	 	2.11	 	 	 	045	 
	026
	 	 	.60	 	 	 	.60	 	 	 	.61	 	 	 	.64	 	 	 	.67	 	 	 	.74	 	 	 	.80	 	 	 	.89	 	 	 	.99	 	 	 	1.10	 	 	 	1.20	 	 	 	1.29	 	 	 	1.42	 	 	 	1.56	 	 	 	1.67	 	 	 	1.79	 	 	 	1.87	 	 	 	1.96	 	 	 	2.07	 	 	 	2.18	 	 	 	2.31	 	 	 	046	 
	027
	 	 	.57	 	 	 	.58	 	 	 	.61	 	 	 	.63	 	 	 	.68	 	 	 	.75	 	 	 	.83	 	 	 	.92	 	 	 	1.02	 	 	 	1.13	 	 	 	1.23	 	 	 	1.34	 	 	 	1.46	 	 	 	1.61	 	 	 	1.75	 	 	 	1.90	 	 	 	2.00	 	 	 	2.13	 	 	 	2.27	 	 	 	2.43	 	 	 	2.59	 	 	 	047	 
	028
	 	 	.55	 	 	 	.57	 	 	 	.61	 	 	 	.65	 	 	 	.71	 	 	 	.78	 	 	 	.87	 	 	 	.96	 	 	 	1.07	 	 	 	1.18	 	 	 	1.28	 	 	 	1.40	 	 	 	1.53	 	 	 	1.70	 	 	 	1.87	 	 	 	2.04	 	 	 	2.19	 	 	 	2.36	 	 	 	2.55	 	 	 	2.74	 	 	 	2.95	 	 	 	048	 
	029
	 	 	.54	 	 	 	.57	 	 	 	.63	 	 	 	.67	 	 	 	.74	 	 	 	.82	 	 	 	.91	 	 	 	1.01	 	 	 	1.12	 	 	 	1.23	 	 	 	1.35	 	 	 	1.48	 	 	 	1.65	 	 	 	1.83	 	 	 	2.01	 	 	 	2.22	 	 	 	2.41	 	 	 	2.63	 	 	 	2.86	 	 	 	3.10	 	 	 	3.36	 	 	 	049	 






			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00

Exhibit: S - 6

















 




     



RGA REINSURANCE COMPANY





	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 2 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Nonsmoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:
	 	005680
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	030
	 	 	.52	 	 	 	.56	 	 	 	.64	 	 	 	.71	 	 	 	.78	 	 	 	.86	 	 	 	.96	 	 	 	1.06	 	 	 	1.18	 	 	 	1.30	 	 	 	1.44	 	 	 	1.60	 	 	 	1.79	 	 	 	1.97	 	 	 	2.17	 	 	 	2.43	 	 	 	2.66	 	 	 	2.93	 	 	 	3.20	 	 	 	3.50	 	 	 	3.82	 	 	 	050	 
	031
	 	 	.51	 	 	 	.57	 	 	 	.67	 	 	 	.74	 	 	 	.82	 	 	 	.91	 	 	 	1.01	 	 	 	1.12	 	 	 	1.24	 	 	 	1.39	 	 	 	1.56	 	 	 	1.74	 	 	 	1.93	 	 	 	2.13	 	 	 	2.36	 	 	 	2.67	 	 	 	2.95	 	 	 	3.26	 	 	 	3.59	 	 	 	3.95	 	 	 	4.34	 	 	 	051	 
	032
	 	 	.51	 	 	 	.58	 	 	 	.70	 	 	 	.79	 	 	 	.88	 	 	 	.97	 	 	 	1.08	 	 	 	1.20	 	 	 	1.35	 	 	 	1.52	 	 	 	1.71	 	 	 	1.90	 	 	 	2.12	 	 	 	2.35	 	 	 	2.61	 	 	 	2.95	 	 	 	3.27	 	 	 	3.61	 	 	 	3.98	 	 	 	4.39	 	 	 	4.83	 	 	 	052	 
	033
	 	 	.51	 	 	 	.59	 	 	 	.74	 	 	 	.84	 	 	 	.95	 	 	 	1.07	 	 	 	1.18	 	 	 	1.32	 	 	 	1.50	 	 	 	1.69	 	 	 	1.89	 	 	 	2.11	 	 	 	2.34	 	 	 	2.61	 	 	 	2.90	 	 	 	3.28	 	 	 	3.61	 	 	 	3.98	 	 	 	4.38	 	 	 	4.81	 	 	 	5.29	 	 	 	053	 
	034
	 	 	.52	 	 	 	.61	 	 	 	.79	 	 	 	.91	 	 	 	1.04	 	 	 	1.17	 	 	 	1.30	 	 	 	1.48	 	 	 	1.67	 	 	 	1.88	 	 	 	2.10	 	 	 	2.34	 	 	 	2.60	 	 	 	2.91	 	 	 	3.24	 	 	 	3.63	 	 	 	3.99	 	 	 	4.38	 	 	 	4.81	 	 	 	5.27	 	 	 	5.78	 	 	 	054	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	035
	 	 	.53	 	 	 	.64	 	 	 	.85	 	 	 	1.00	 	 	 	1.14	 	 	 	1.28	 	 	 	1.46	 	 	 	1.66	 	 	 	1.87	 	 	 	2.10	 	 	 	2.34	 	 	 	2.59	 	 	 	2.89	 	 	 	3.23	 	 	 	3.60	 	 	 	4.02	 	 	 	4.41	 	 	 	4.83	 	 	 	5.29	 	 	 	5.78	 	 	 	6.34	 	 	 	055	 
	036
	 	 	.55	 	 	 	.68	 	 	 	.92	 	 	 	1.11	 	 	 	1.27	 	 	 	1.45	 	 	 	1.65	 	 	 	1.86	 	 	 	2.09	 	 	 	2.34	 	 	 	2.58	 	 	 	2.86	 	 	 	3.21	 	 	 	3.59	 	 	 	3.99	 	 	 	4.46	 	 	 	4.87	 	 	 	5.32	 	 	 	5.80	 	 	 	6.35	 	 	 	6.98	 	 	 	056	 
	037
	 	 	.57	 	 	 	.72	 	 	 	.99	 	 	 	1.20	 	 	 	1.39	 	 	 	1.58	 	 	 	1.80	 	 	 	2.02	 	 	 	2.28	 	 	 	2.55	 	 	 	2.81	 	 	 	3.14	 	 	 	3.53	 	 	 	3.95	 	 	 	4.40	 	 	 	4.91	 	 	 	5.35	 	 	 	5.84	 	 	 	6.39	 	 	 	7.01	 	 	 	7.71	 	 	 	057	 
	038
	 	 	.59	 	 	 	.76	 	 	 	1.06	 	 	 	1.28	 	 	 	1.49	 	 	 	1.69	 	 	 	1.92	 	 	 	2.15	 	 	 	2.44	 	 	 	2.73	 	 	 	3.02	 	 	 	3.40	 	 	 	3.85	 	 	 	4.33	 	 	 	4.82	 	 	 	5.37	 	 	 	5.86	 	 	 	6.41	 	 	 	7.04	 	 	 	7.74	 	 	 	8.53	 	 	 	058	 
	039
	 	 	.63	 	 	 	.81	 	 	 	1.15	 	 	 	1.38	 	 	 	1.60	 	 	 	1.81	 	 	 	2.05	 	 	 	2.29	 	 	 	2.59	 	 	 	2.90	 	 	 	3.25	 	 	 	3.67	 	 	 	4.19	 	 	 	4.74	 	 	 	5.27	 	 	 	5.83	 	 	 	6.43	 	 	 	7.07	 	 	 	7.77	 	 	 	8.56	 	 	 	9.45	 	 	 	059	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	040
	 	 	.67	 	 	 	.87	 	 	 	1.24	 	 	 	1.49	 	 	 	1.73	 	 	 	1.94	 	 	 	2.19	 	 	 	2.44	 	 	 	2.74	 	 	 	3.08	 	 	 	3.47	 	 	 	3.96	 	 	 	4.56	 	 	 	5.18	 	 	 	5.76	 	 	 	6.35	 	 	 	7.01	 	 	 	7.80	 	 	 	8.59	 	 	 	9.48	 	 	 	10.49	 	 	 	060	 
	041
	 	 	.72	 	 	 	.94	 	 	 	1.36	 	 	 	1.63	 	 	 	1.87	 	 	 	2.09	 	 	 	2.33	 	 	 	2.58	 	 	 	2.88	 	 	 	3.26	 	 	 	3.71	 	 	 	4.27	 	 	 	4.96	 	 	 	5.66	 	 	 	6.32	 	 	 	6.94	 	 	 	7.61	 	 	 	8.48	 	 	 	9.51	 	 	 	10.53	 	 	 	11.67	 	 	 	061	 
	042
	 	 	.77	 	 	 	1.04	 	 	 	1.49	 	 	 	1.78	 	 	 	2.03	 	 	 	2.26	 	 	 	2.51	 	 	 	2.76	 	 	 	3.07	 	 	 	3.48	 	 	 	3.98	 	 	 	4.60	 	 	 	5.34	 	 	 	6.15	 	 	 	6.90	 	 	 	7.54	 	 	 	8.31	 	 	 	9.20	 	 	 	10.39	 	 	 	11.68	 	 	 	12.92	 	 	 	062	 
	043
	 	 	.83	 	 	 	1.16	 	 	 	1.62	 	 	 	1.94	 	 	 	2.22	 	 	 	2.47	 	 	 	2.73	 	 	 	2.99	 	 	 	3.31	 	 	 	3.74	 	 	 	4.28	 	 	 	4.93	 	 	 	5.74	 	 	 	6.62	 	 	 	7.47	 	 	 	8.20	 	 	 	9.06	 	 	 	10.10	 	 	 	11.32	 	 	 	12.82	 	 	 	14.25	 	 	 	063	 
	044
	 	 	.89	 	 	 	1.29	 	 	 	1.76	 	 	 	2.11	 	 	 	2.41	 	 	 	2.69	 	 	 	2.95	 	 	 	3.24	 	 	 	3.58	 	 	 	4.02	 	 	 	4.60	 	 	 	5.30	 	 	 	6.19	 	 	 	7.13	 	 	 	8.09	 	 	 	8.93	 	 	 	9.92	 	 	 	11.08	 	 	 	12.44	 	 	 	14.05	 	 	 	15.86	 	 	 	064	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	045
	 	 	.96	 	 	 	1.44	 	 	 	1.91	 	 	 	2.29	 	 	 	2.61	 	 	 	2.91	 	 	 	3.20	 	 	 	3.53	 	 	 	3.85	 	 	 	4.31	 	 	 	4.95	 	 	 	5.72	 	 	 	6.68	 	 	 	7.69	 	 	 	8.78	 	 	 	9.73	 	 	 	10.84	 	 	 	12.12	 	 	 	13.64	 	 	 	15.46	 	 	 	17.67	 	 	 	065	 
	046
	 	 	1.04	 	 	 	1.61	 	 	 	2.06	 	 	 	2.47	 	 	 	2.82	 	 	 	3.16	 	 	 	3.49	 	 	 	3.80	 	 	 	4.13	 	 	 	4.63	 	 	 	5.35	 	 	 	6.17	 	 	 	7.20	 	 	 	8.30	 	 	 	9.56	 	 	 	10.60	 	 	 	11.80	 	 	 	13.23	 	 	 	14.94	 	 	 	17.02	 	 	 	19.50	 	 	 	066	 
	047
	 	 	1.13	 	 	 	1.75	 	 	 	2.20	 	 	 	2.63	 	 	 	3.02	 	 	 	3.40	 	 	 	3.78	 	 	 	4.10	 	 	 	4.51	 	 	 	5.08	 	 	 	5.90	 	 	 	6.81	 	 	 	7.91	 	 	 	9.09	 	 	 	10.45	 	 	 	11.58	 	 	 	12.93	 	 	 	14.56	 	 	 	16.54	 	 	 	18.98	 	 	 	21.70	 	 	 	067	 
	048
	 	 	1.22	 	 	 	1.83	 	 	 	2.31	 	 	 	2.77	 	 	 	3.21	 	 	 	3.63	 	 	 	4.07	 	 	 	4.48	 	 	 	4.99	 	 	 	5.64	 	 	 	6.64	 	 	 	7.67	 	 	 	8.85	 	 	 	10.09	 	 	 	11.43	 	 	 	12.72	 	 	 	14.28	 	 	 	16.18	 	 	 	18.60	 	 	 	21.39	 	 	 	24.37	 	 	 	068	 
	049
	 	 	1.32	 	 	 	1.91	 	 	 	2.41	 	 	 	2.91	 	 	 	3.40	 	 	 	3.86	 	 	 	4.38	 	 	 	4.90	 	 	 	5.53	 	 	 	6.29	 	 	 	7.48	 	 	 	8.66	 	 	 	9.91	 	 	 	11.16	 	 	 	12.48	 	 	 	13.96	 	 	 	15.77	 	 	 	18.17	 	 	 	21.02	 	 	 	24.08	 	 	 	27.34	 	 	 	069	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	050
	 	 	1.41	 	 	 	1.98	 	 	 	2.50	 	 	 	3.03	 	 	 	3.58	 	 	 	4.12	 	 	 	4.73	 	 	 	5.37	 	 	 	6.15	 	 	 	7.01	 	 	 	8.45	 	 	 	9.79	 	 	 	11.06	 	 	 	12.33	 	 	 	13.61	 	 	 	15.32	 	 	 	17.70	 	 	 	20.61	 	 	 	23.75	 	 	 	27.09	 	 	 	30.61	 	 	 	070	 
	051
	 	 	1.51	 	 	 	2.04	 	 	 	2.58	 	 	 	3.14	 	 	 	3.78	 	 	 	4.39	 	 	 	5.11	 	 	 	5.90	 	 	 	6.83	 	 	 	7.83	 	 	 	9.55	 	 	 	11.05	 	 	 	12.34	 	 	 	13.61	 	 	 	14.83	 	 	 	17.18	 	 	 	20.15	 	 	 	23.36	 	 	 	26.80	 	 	 	30.43	 	 	 	34.26	 	 	 	071	 
	052
	 	 	1.62	 	 	 	2.16	 	 	 	2.73	 	 	 	3.35	 	 	 	4.07	 	 	 	4.77	 	 	 	5.57	 	 	 	6.48	 	 	 	7.56	 	 	 	8.71	 	 	 	10.65	 	 	 	12.33	 	 	 	13.62	 	 	 	14.85	 	 	 	16.53	 	 	 	19.54	 	 	 	22.82	 	 	 	26.34	 	 	 	30.09	 	 	 	33.91	 	 	 	38.27	 	 	 	072	 
	053
	 	 	1.76	 	 	 	2.35	 	 	 	2.99	 	 	 	3.69	 	 	 	4.48	 	 	 	5.25	 	 	 	6.15	 	 	 	7.15	 	 	 	8.31	 	 	 	9.62	 	 	 	11.75	 	 	 	13.57	 	 	 	14.80	 	 	 	16.48	 	 	 	18.78	 	 	 	22.11	 	 	 	25.71	 	 	 	29.56	 	 	 	33.36	 	 	 	37.55	 	 	 	42.63	 	 	 	073	 
	054
	 	 	1.90	 	 	 	2.57	 	 	 	3.28	 	 	 	4.08	 	 	 	4.93	 	 	 	5.79	 	 	 	6.79	 	 	 	7.89	 	 	 	9.13	 	 	 	10.61	 	 	 	12.95	 	 	 	14.76	 	 	 	16.43	 	 	 	18.73	 	 	 	21.32	 	 	 	24.98	 	 	 	28.92	 	 	 	32.68	 	 	 	36.68	 	 	 	41.54	 	 	 	47.49	 	 	 	074	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	055
	 	 	2.06	 	 	 	2.82	 	 	 	3.60	 	 	 	4.51	 	 	 	5.44	 	 	 	6.40	 	 	 	7.51	 	 	 	8.68	 	 	 	10.00	 	 	 	11.69	 	 	 	14.27	 	 	 	16.38	 	 	 	18.67	 	 	 	21.25	 	 	 	24.17	 	 	 	28.18	 	 	 	31.89	 	 	 	35.67	 	 	 	40.29	 	 	 	45.96	 	 	 	52.87	 	 	 	075	 
	056
	 	 	2.24	 	 	 	3.10	 	 	 	3.96	 	 	 	4.98	 	 	 	6.01	 	 	 	7.08	 	 	 	8.29	 	 	 	9.54	 	 	 	10.95	 	 	 	12.87	 	 	 	15.74	 	 	 	18.49	 	 	 	21.19	 	 	 	23.95	 	 	 	27.34	 	 	 	30.98	 	 	 	34.53	 	 	 	38.89	 	 	 	44.25	 	 	 	50.82	 	 	 	58.71	 	 	 	076	 
	057
	 	 	2.42	 	 	 	3.39	 	 	 	4.42	 	 	 	5.55	 	 	 	6.72	 	 	 	7.80	 	 	 	9.09	 	 	 	10.44	 	 	 	11.96	 	 	 	14.11	 	 	 	17.21	 	 	 	20.32	 	 	 	23.42	 	 	 	26.31	 	 	 	30.29	 	 	 	33.54	 	 	 	37.53	 	 	 	42.46	 	 	 	48.51	 	 	 	55.92	 	 	 	64.61	 	 	 	077	 
	058
	 	 	2.60	 	 	 	3.68	 	 	 	5.00	 	 	 	6.22	 	 	 	7.57	 	 	 	8.56	 	 	 	9.91	 	 	 	11.10	 	 	 	13.04	 	 	 	15.36	 	 	 	18.64	 	 	 	21.88	 	 	 	25.22	 	 	 	28.35	 	 	 	32.94	 	 	 	36.51	 	 	 	40.94	 	 	 	46.39	 	 	 	53.22	 	 	 	67.21	 	 	 	70,59	 	 	 	078	 
	059
	 	 	2.79	 	 	 	4.00	 	 	 	5.67	 	 	 	6.94	 	 	 	8.51	 	 	 	9.37	 	 	 	10.79	 	 	 	12.43	 	 	 	14.18	 	 	 	16.69	 	 	 	20.13	 	 	 	23.45	 	 	 	27.02	 	 	 	30.42	 	 	 	35.75	 	 	 	39.72	 	 	 	44.62	 	 	 	50.93	 	 	 	58.53	 	 	 	67.21	 	 	 	77.04	 	 	 	079	 






			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00
	 
	 	Exhibit: S - 6






 









 





     



RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 3 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Nonsmoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:	 	005680
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	060
	 	 	2.99	 	 	 	4.35	 	 	 	6.40	 	 	 	7.73	 	 	 	9.48	 	 	 	10.47	 	 	 	11.73	 	 	 	13.53	 	 	 	15.39	 	 	 	18.08	 	 	 	21.65	 	 	 	25.00	 	 	 	28.81	 	 	 	32.53	 	 	 	38.73	 	 	 	43.13	 	 	 	48.98	 	 	 	56.18	 	 	 	64.35	 	 	 	73.60	 	 	 	83.89	 	 	 	080	 
	061
	 	 	3.19	 	 	 	4.70	 	 	 	7.21	 	 	 	8.60	 	 	 	10.64	 	 	 	11,41	 	 	 	12.73	 	 	 	14.70	 	 	 	16.66	 	 	 	19.51	 	 	 	23.17	 	 	 	26.51	 	 	 	30.60	 	 	 	34.70	 	 	 	41.88	 	 	 	47.33	 	 	 	54.18	 	 	 	61.93	 	 	 	70.71	 	 	 	80.39	 	 	 	90.94	 	 	 	081	 
	062
	 	 	3.45	 	 	 	5.14	 	 	 	7.95	 	 	 	9.53	 	 	 	11.37	 	 	 	12.31	 	 	 	14.10	 	 	 	16.10	 	 	 	18.71	 	 	 	21.42	 	 	 	25.06	 	 	 	28.40	 	 	 	32.82	 	 	 	37.43	 	 	 	44.95	 	 	 	51.62	 	 	 	59.19	 	 	 	67.81	 	 	 	77.31	 	 	 	87.74	 	 	 	99.09	 	 	 	082	 
	063
	 	 	3.78	 	 	 	5.68	 	 	 	8.59	 	 	 	10.52	 	 	 	12.02	 	 	 	13.76	 	 	 	15.72	 	 	 	18.26	 	 	 	21.08	 	 	 	24.09	 	 	 	27.43	 	 	 	31.33	 	 	 	35.54	 	 	 	40.86	 	 	 	47.97	 	 	 	55.43	 	 	 	64.01	 	 	 	73.52	 	 	 	84.10	 	 	 	95.81	 	 	 	108.81	 	 	 	083	 
	064
	 	 	4.13	 	 	 	6.28	 	 	 	9.28	 	 	 	11.60	 	 	 	13.43	 	 	 	15.34	 	 	 	17.82	 	 	 	20.57	 	 	 	23.50	 	 	 	26.77	 	 	 	30.49	 	 	 	33.87	 	 	 	38.44	 	 	 	44.56	 	 	 	51.12	 	 	 	59.54	 	 	 	68.92	 	 	 	79.47	 	 	 	91.35	 	 	 	104.63	 	 	 	119.61	 	 	 	084	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	065
	 	 	4.52	 	 	 	6.94	 	 	 	10.02	 	 	 	12.78	 	 	 	14.96	 	 	 	17.38	 	 	 	20.06	 	 	 	22.92	 	 	 	26.10	 	 	 	29.73	 	 	 	32.83	 	 	 	36.03	 	 	 	41.54	 	 	 	48.52	 	 	 	54.53	 	 	 	63.63	 	 	 	73.99	 	 	 	85.85	 	 	 	99.21	 	 	 	114.37	 	 	 	131.53	 	 	 	085	 
	066
	 	 	4.93	 	 	 	7.66	 	 	 	10.81	 	 	 	14.06	 	 	 	16.94	 	 	 	19.56	 	 	 	22.34	 	 	 	25.44	 	 	 	28.98	 	 	 	31.89	 	 	 	34.74	 	 	 	38.93	 	 	 	44.84	 	 	 	52.73	 	 	 	57.80	 	 	 	67.82	 	 	 	79.50	 	 	 	92.73	 	 	 	107.85	 	 	 	125.07	 	 	 	144.49	 	 	 	086	 
	067
	 	 	5.45	 	 	 	8.49	 	 	 	11 86	 	 	 	15.55	 	 	 	19.18	 	 	 	21.54	 	 	 	24.96	 	 	 	27.99	 	 	 	31.55	 	 	 	33.99	 	 	 	38.04	 	 	 	42.53	 	 	 	48.92	 	 	 	57.18	 	 	 	62.09	 	 	 	73.41	 	 	 	86.30	 	 	 	101.10	 	 	 	118.02	 	 	 	137.19	 	 	 	158.81	 	 	 	087	 
	068
	 	 	6.09	 	 	 	9.47	 	 	 	13.20	 	 	 	17.26	 	 	 	21.25	 	 	 	23.84	 	 	 	27.64	 	 	 	30.96	 	 	 	34.11	 	 	 	37.58	 	 	 	42.03	 	 	 	46.93	 	 	 	53.84	 	 	 	62.32	 	 	 	67.94	 	 	 	80.37	 	 	 	94.69	 	 	 	111.09	 	 	 	129.75	 	 	 	150.84	 	 	 	174.60	 	 	 	088	 
	069
	 	 	6.78	 	 	 	10.54	 	 	 	14.65	 	 	 	19.12	 	 	 	23.52	 	 	 	26.40	 	 	 	30.58	 	 	 	34.23	 	 	 	37.72	 	 	 	41.53	 	 	 	46.38	 	 	 	51.65	 	 	 	59.06	 	 	 	68.18	 	 	 	74.30	 	 	 	88.07	 	 	 	103.90	 	 	 	121.97	 	 	 	142.27	 	 	 	165.61	 	 	 	191.44	 	 	 	089	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	070
	 	 	7.55	 	 	 	11.70	 	 	 	16.23	 	 	 	21.17	 	 	 	26.04	 	 	 	29.20	 	 	 	33.81	 	 	 	37.85	 	 	 	41.67	 	 	 	45.82	 	 	 	51.03	 	 	 	56,65	 	 	 	64.62	 	 	 	74.56	 	 	 	81.31	 	 	 	96.51	 	 	 	113.93	 	 	 	133.76	 	 	 	156.20	 	 	 	181.33	 	 	 	209.25	 	 	 	090	 
	071
	 	 	8.38	 	 	 	12.96	 	 	 	17.97	 	 	 	23.44	 	 	 	28.80	 	 	 	32.28	 	 	 	37.38	 	 	 	41.82	 	 	 	45.98	 	 	 	50.43	 	 	 	55.98	 	 	 	61.99	 	 	 	70.67	 	 	 	81.59	 	 	 	88.97	 	 	 	105.68	 	 	 	124.78	 	 	 	146.46	 	 	 	170.79	 	 	 	197.91	 	 	 	228.07	 	 	 	091	 
	072
	 	 	9.27	 	 	 	14.32	 	 	 	19.86	 	 	 	25.88	 	 	 	31.79	 	 	 	35.63	 	 	 	41.22	 	 	 	46.06	 	 	 	50.51	 	 	 	55.21	 	 	 	61.14	 	 	 	67.66	 	 	 	77.19	 	 	 	89.11	 	 	 	97.13	 	 	 	115.30	 	 	 	135.98	 	 	 	159.24	 	 	 	185.23	 	 	 	214.20	 	 	 	246.37	 	 	 	092	 
	073
	 	 	10.22	 	 	 	15.80	 	 	 	21.89	 	 	 	28.51	 	 	 	35.02	 	 	 	39.22	 	 	 	45.32	 	 	 	50.50	 	 	 	55.21	 	 	 	60.19	 	 	 	66.62	 	 	 	73.78	 	 	 	84.16	 	 	 	97.12	 	 	 	105.75	 	 	 	125.28	 	 	 	147.79	 	 	 	171.93	 	 	 	199.43	 	 	 	230.02	 	 	 	263.93	 	 	 	093	 
	074
	 	 	11.28	 	 	 	17.41	 	 	 	24.12	 	 	 	31.41	 	 	 	38.55	 	 	 	43.13	 	 	 	49.70	 	 	 	55.20	 	 	 	60.19	 	 	 	65.59	 	 	 	72.64	 	 	 	80.45	 	 	 	91.72	 	 	 	105.74	 	 	 	114.92	 	 	 	135.71	 	 	 	159.03	 	 	 	185.09	 	 	 	214.13	 	 	 	246.38	 	 	 	282.08	 	 	 	094	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	075
	 	 	12.43	 	 	 	19.19	 	 	 	26.57	 	 	 	34.58	 	 	 	42.39	 	 	 	47.29	 	 	 	54.32	 	 	 	60.19	 	 	 	65.59	 	 	 	71.52	 	 	 	79.21	 	 	 	87.67	 	 	 	99.86	 	 	 	114.91	 	 	 	124.51	 	 	 	146.52	 	 	 	171.18	 	 	 	198.71	 	 	 	229.34	 	 	 	263.30	 	 	 	300.72	 	 	 	095	 
	076
	 	 	13.70	 	 	 	21.14	 	 	 	29.25	 	 	 	38.03	 	 	 	46.49	 	 	 	51.69	 	 	 	59.23	 	 	 	65.59	 	 	 	71.52	 	 	 	77.99	 	 	 	86.32	 	 	 	95.45	 	 	 	108.53	 	 	 	124.49	 	 	 	134.42	 	 	 	157.70	 	 	 	183.75	 	 	 	212.79	 	 	 	245.04	 	 	 	280.66	 	 	 	319.85	 	 	 	096	 
	077
	 	 	I5.09	 	 	 	23.27	 	 	 	32.16	 	 	 	41.70	 	 	 	50.81	 	 	 	56.36	 	 	 	64.54	 	 	 	71.51	 	 	 	77.99	 	 	 	84.99	 	 	 	93.99	 	 	 	103.74	 	 	 	117.58	 	 	 	134.41	 	 	 	144.66	 	 	 	169.26	 	 	 	196.74	 	 	 	227.33	 	 	 	261.16	 	 	 	298.46	 	 	 	339.60	 	 	 	097	 
	078
	 	 	16.01	 	 	 	25.59	 	 	 	35.27	 	 	 	45.58	 	 	 	55.40	 	 	 	61.42	 	 	 	70.38	 	 	 	77.98	 	 	 	84.99	 	 	 	92.54	 	 	 	102.14	 	 	 	112.39	 	 	 	126.94	 	 	 	144.65	 	 	 	155.23	 	 	 	181.19	 	 	 	210.14	 	 	 	242.23	 	 	 	277.67	 	 	 	316.82	 	 	 	359.97	 	 	 	098	 
	079
	 	 	18.27	 	 	 	28.06	 	 	 	38.55	 	 	 	49.69	 	 	 	60.37	 	 	 	66.97	 	 	 	76.74	 	 	 	84.98	 	 	 	92.53	 	 	 	100.57	 	 	 	110.66	 	 	 	121.33	 	 	 	136.61	 	 	 	155.22	 	 	 	166.14	 	 	 	193.49	 	 	 	223.87	 	 	 	257.50	 	 	 	294.70	 	 	 	335.76	 	 	 	380.98	 	 	 	099	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	080
	 	 	19.89	 	 	 	30.50	 	 	 	41.85	 	 	 	53.89	 	 	 	65.50	 	 	 	72.67	 	 	 	83.25	 	 	 	92.16	 	 	 	100.30	 	 	 	108.87	 	 	 	119.59	 	 	 	130.92	 	 	 	147.18	 	 	 	167.01	 	 	 	178.54	 	 	 	207.73	 	 	 	240.03	 	 	 	275.85	 	 	 	315.47	 	 	 	359.19	 	 	 	 	 	 	 	 	 





Female risk premiums are based on
the above male rates with a 4 year age
setback for ages 21 and above. For ages
17 through 20, the female rates are the
same as the male age 16 rate, and for
ages 0 through 16, the female rates are
the same as the male rates above.




			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00
	 
	 	Exhibit: S - 6






 










 





     



RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 1 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Smoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:	 	005679
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	000
	 	 	1.01	 	 	 	.71	 	 	 	.53	 	 	 	.46	 	 	 	.39	 	 	 	.33	 	 	 	.32	 	 	 	.30	 	 	 	.30	 	 	 	.30	 	 	 	.30	 	 	 	.34	 	 	 	.40	 	 	 	.54	 	 	 	.71	 	 	 	.97	 	 	 	1.20	 	 	 	1.29	 	 	 	1.35	 	 	 	1.40	 	 	 	1.41	 	 	 	020	 
	001
	 	 	.49	 	 	 	.49	 	 	 	.44	 	 	 	.37	 	 	 	.30	 	 	 	.26	 	 	 	.25	 	 	 	.27	 	 	 	.28	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.54	 	 	 	.71	 	 	 	.99	 	 	 	1.23	 	 	 	1.31	 	 	 	1.38	 	 	 	1.42	 	 	 	1.44	 	 	 	1.43	 	 	 	021	 
	002
	 	 	.41	 	 	 	.39	 	 	 	.34	 	 	 	.30	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.28	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.53	 	 	 	.71	 	 	 	.99	 	 	 	1.26	 	 	 	1.35	 	 	 	1.42	 	 	 	1.47	 	 	 	1.49	 	 	 	1.48	 	 	 	1.47	 	 	 	022	 
	003
	 	 	.37	 	 	 	.32	 	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.52	 	 	 	.70	 	 	 	.98	 	 	 	1.24	 	 	 	1.38	 	 	 	1.45	 	 	 	1.52	 	 	 	1.54	 	 	 	1.55	 	 	 	1.53	 	 	 	1.52	 	 	 	023	 
	004
	 	 	.32	 	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.50	 	 	 	.69	 	 	 	.95	 	 	 	1.22	 	 	 	1.33	 	 	 	1.48	 	 	 	1.55	 	 	 	1.59	 	 	 	1.59	 	 	 	1.59	 	 	 	1.88	 	 	 	1.58	 	 	 	024	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	005
	 	 	.28	 	 	 	.26	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.39	 	 	 	.50	 	 	 	.68	 	 	 	.94	 	 	 	1.19	 	 	 	1.30	 	 	 	1.39	 	 	 	1.57	 	 	 	1.61	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	1.63	 	 	 	025	 
	006
	 	 	.25	 	 	 	.25	 	 	 	.25	 	 	 	.27	 	 	 	.30	 	 	 	.33	 	 	 	.38	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.16	 	 	 	1.29	 	 	 	1.36	 	 	 	1.43	 	 	 	1.63	 	 	 	1.65	 	 	 	1.66	 	 	 	1.67	 	 	 	1.67	 	 	 	1.68	 	 	 	1.68	 	 	 	026	 
	007
	 	 	.22	 	 	 	.24	 	 	 	.25	 	 	 	.30	 	 	 	.33	 	 	 	.38	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.65	 	 	 	1.68	 	 	 	1.69	 	 	 	1.69	 	 	 	1.70	 	 	 	1.70	 	 	 	1.72	 	 	 	027	 
	008
	 	 	.22	 	 	 	.24	 	 	 	.26	 	 	 	.33	 	 	 	.37	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.65	 	 	 	1.69	 	 	 	1.70	 	 	 	1.71	 	 	 	1.71	 	 	 	1.72	 	 	 	1.75	 	 	 	028	 
	009
	 	 	.22	 	 	 	.25	 	 	 	.30	 	 	 	.37	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.64	 	 	 	1.71	 	 	 	1.71	 	 	 	1.72	 	 	 	1.73	 	 	 	1.76	 	 	 	1.79	 	 	 	029	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	010
	 	 	.22	 	 	 	.27	 	 	 	.36	 	 	 	.50	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.63	 	 	 	1.64	 	 	 	1.72	 	 	 	1.72	 	 	 	1.74	 	 	 	1.76	 	 	 	1.80	 	 	 	1.84	 	 	 	030	 
	O1l
	 	 	.25	 	 	 	.33	 	 	 	.49	 	 	 	.68	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.42	 	 	 	1.49	 	 	 	1.57	 	 	 	1.62	 	 	 	1.63	 	 	 	1.61	 	 	 	1.63	 	 	 	1.73	 	 	 	1.74	 	 	 	1.77	 	 	 	1.81	 	 	 	1.84	 	 	 	1.87	 	 	 	031	 
	012
	 	 	.31	 	 	 	.46	 	 	 	.66	 	 	 	.89	 	 	 	1.12	 	 	 	1.27	 	 	 	1.36	 	 	 	1.41	 	 	 	1.46	 	 	 	1.53	 	 	 	1.60	 	 	 	1.63	 	 	 	1.61	 	 	 	1.62	 	 	 	1.64	 	 	 	1.75	 	 	 	1.77	 	 	 	1.81	 	 	 	1.85	 	 	 	1.88	 	 	 	1.90	 	 	 	032	 
	013
	 	 	.43	 	 	 	.61	 	 	 	.88	 	 	 	1.12	 	 	 	1.27	 	 	 	1.34	 	 	 	1.41	 	 	 	1.44	 	 	 	1.47	 	 	 	1.51	 	 	 	1.58	 	 	 	1.61	 	 	 	1.61	 	 	 	1.64	 	 	 	1.66	 	 	 	1.78	 	 	 	1.81	 	 	 	1.85	 	 	 	1.87	 	 	 	1.90	 	 	 	1.91	 	 	 	033	 
	014
	 	 	.85	 	 	 	1.24	 	 	 	1.59	 	 	 	1.76	 	 	 	1.86	 	 	 	1.93	 	 	 	1.99	 	 	 	1.99	 	 	 	1.99	 	 	 	2.03	 	 	 	2.08	 	 	 	2.13	-	 	 	2.11	 	 	 	2.15	 	 	 	2.20	 	 	 	2.32	 	 	 	2.34	 	 	 	2.36	 	 	 	2.39	 	 	 	2.41	 	 	 	2.44	 	 	 	034	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	015
	 	 	1.48	 	 	 	1.96	 	 	 	2.21	 	 	 	2.33	 	 	 	2.43	 	 	 	2.47	 	 	 	2.51	 	 	 	2.49	 	 	 	2.47	 	 	 	2.50	 	 	 	2.53	 	 	 	2.58	 	 	 	2.57	 	 	 	2.64	 	 	 	2.70	 	 	 	2.83	 	 	 	2.85	 	 	 	2.87	 	 	 	2.90	 	 	 	2.94	 	 	 	3.09	 	 	 	035	 
	016
	 	 	1.93	 	 	 	2.18	 	 	 	2.30	 	 	 	2.39	 	 	 	2.43	 	 	 	2.40	 	 	 	2.43	 	 	 	2.40	 	 	 	2.37	 	 	 	2.36	 	 	 	2.39	 	 	 	2.47	 	 	 	2.50	 	 	 	2.59	 	 	 	2.68	 	 	 	2.80	 	 	 	2.84	 	 	 	2.88	 	 	 	2.92	 	 	 	2,97	 	 	 	3.15	 	 	 	036	 
	017
	 	 	2.05	 	 	 	2.22	 	 	 	2.30	 	 	 	2.36	 	 	 	2.35	 	 	 	2.31	 	 	 	2.33	 	 	 	2.29	 	 	 	2.26	 	 	 	2.25	 	 	 	2.29	 	 	 	2.39	 	 	 	2.45	 	 	 	2.55	 	 	 	2.68	 	 	 	2.80	 	 	 	2.85	 	 	 	2.89	 	 	 	2.94	 	 	 	2.99	 	 	 	3.08	 	 	 	037	 
	018
	 	 	2.05	 	 	 	2.17	 	 	 	2.21	 	 	 	2.24	 	 	 	2.22	 	 	 	2.19	 	 	 	2.20	 	 	 	2.15	 	 	 	2.15	 	 	 	2.17	 	 	 	2.25	 	 	 	2.35	 	 	 	2.42	 	 	 	2.55	 	 	 	2.70	 	 	 	2.83	 	 	 	2.87	 	 	 	2.90	 	 	 	2.95	 	 	 	3.02	 	 	 	3.09	 	 	 	038	 
	019
	 	 	1.99	 	 	 	2.05	 	 	 	2.06	 	 	 	2.08	 	 	 	2.07	 	 	 	2.05	 	 	 	2.04	 	 	 	2.01	 	 	 	2.05	 	 	 	2.11	 	 	 	2.22	 	 	 	2.31	 	 	 	2.41	 	 	 	2.55	 	 	 	2.73	 	 	 	2.87	 	 	 	2.90	 	 	 	2.93	 	 	 	2.99	 	 	 	3.04	 	 	 	3.10	 	 	 	039	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	020
	 	 	1.81	 	 	 	1.88	 	 	 	1.88	 	 	 	1.89	 	 	 	1.90	 	 	 	1.89	 	 	 	1.90	 	 	 	1.89	 	 	 	1.96	 	 	 	2.05	 	 	 	2.19	 	 	 	2.29	 	 	 	2.42	 	 	 	2.58	 	 	 	2.78	 	 	 	2.92	 	 	 	2.95	 	 	 	2.99	 	 	 	3.03	 	 	 	3.07	 	 	 	3.14	 	 	 	040	 
	021
	 	 	1.62	 	 	 	1.68	 	 	 	1.68	 	 	 	1.69	 	 	 	1.71	 	 	 	1.73	 	 	 	1.76	 	 	 	1.78	 	 	 	1.89	 	 	 	2.00	 	 	 	2.16	 	 	 	2.28	 	 	 	2.43	 	 	 	2.61	 	 	 	2.84	 	 	 	2.99	 	 	 	3.03	 	 	 	3.06	 	 	 	3.08	 	 	 	3.13	 	 	 	3.20	 	 	 	041	 
	022
	 	 	1.50	 	 	 	1.56	 	 	 	1.56	 	 	 	1.56	 	 	 	1.59	 	 	 	1.63	 	 	 	1.68	 	 	 	1.73	 	 	 	1.85	 	 	 	1.99	 	 	 	2.17	 	 	 	2.30	 	 	 	2.45	 	 	 	2.66	 	 	 	2.90	 	 	 	3.08	 	 	 	3.12	 	 	 	3.15	 	 	 	3.20	 	 	 	3.28	 	 	 	3.38	 	 	 	042	 
	023
	 	 	1.48	 	 	 	1.52	 	 	 	1.50	 	 	 	1.51	 	 	 	1.54	 	 	 	1.60	 	 	 	1.66	 	 	 	1.72	 	 	 	1.85	 	 	 	2.01	 	 	 	2.19	 	 	 	2.32	 	 	 	2.49	 	 	 	2.73	 	 	 	2.97	 	 	 	3.17	 	 	 	3.23	 	 	 	3.29	 	 	 	3.39	 	 	 	3.52	 	 	 	3.68	 	 	 	043	 
	024
	 	 	1.45	 	 	 	1.46	 	 	 	1.45	 	 	 	1.46	 	 	 	1.51	 	 	 	1.59	 	 	 	1.65	 	 	 	1.73	 	 	 	1.88	 	 	 	2.04	 	 	 	2.22	 	 	 	2.36	 	 	 	2.55	 	 	 	2.82	 	 	 	3.07	 	 	 	3.28	 	 	 	3.37	 	 	 	3.49	 	 	 	3.64	 	 	 	3.83	 	 	 	4.04	 	 	 	044	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	025
	 	 	1.40	 	 	 	1.40	 	 	 	1.41	 	 	 	1.44	 	 	 	1.49	 	 	 	1.57	 	 	 	1.64	 	 	 	1.75	 	 	 	1.91	 	 	 	2.09	 	 	 	2.26	 	 	 	2.42	 	 	 	2.64	 	 	 	2.93	 	 	 	3.18	 	 	 	3.43	 	 	 	3.57	 	 	 	3.75	 	 	 	3.96	 	 	 	4.20	 	 	 	4.45	 	 	 	045	 
	026
	 	 	1.34	 	 	 	1.34	 	 	 	1.38	 	 	 	1.41	 	 	 	1.46	 	 	 	1.56	 	 	 	1.66	 	 	 	1.80	 	 	 	1.96	 	 	 	2.16	 	 	 	2.32	 	 	 	2.50	 	 	 	2.75	 	 	 	3.06	 	 	 	3.34	 	 	 	3.64	 	 	 	3.83	 	 	 	4.07	 	 	 	4.33	 	 	 	4.62	 	 	 	4.94	 	 	 	046	 
	027
	 	 	1.28	 	 	 	1.30	 	 	 	1.36	 	 	 	1.40	 	 	 	1.47	 	 	 	1.59	 	 	 	1.72	 	 	 	1.87	 	 	 	2.04	 	 	 	2.23	 	 	 	2.42	 	 	 	2.63	 	 	 	2.90	 	 	 	3.23	 	 	 	3.56	 	 	 	3.91	 	 	 	4.18	 	 	 	4.49	 	 	 	4.83	 	 	 	5.20	 	 	 	5.58	 	 	 	047	 
	028
	 	 	1.24	 	 	 	1.29	 	 	 	1.37	 	 	 	1.43	 	 	 	1.53	 	 	 	1.66	 	 	 	1.80	 	 	 	1.97	 	 	 	2.15	 	 	 	2.35	 	 	 	2.56	 	 	 	2.81	 	 	 	3.09	 	 	 	3.48	 	 	 	3.87	 	 	 	4.27	 	 	 	4.62	 	 	 	5.02	 	 	 	5.47	 	 	 	5.93	 	 	 	6.42	 	 	 	048	 
	029
	 	 	1.21	 	 	 	1.27	 	 	 	1.40	 	 	 	1.49	 	 	 	1.61	 	 	 	1.74	 	 	 	1.90	 	 	 	2.08	 	 	 	2.28	 	 	 	2.49	 	 	 	2.74	 	 	 	3.03	 	 	 	3.39	 	 	 	3.81	 	 	 	4.22	 	 	 	4.70	 	 	 	5.14	 	 	 	5.65	 	 	 	6.19	 	 	 	6.76	 	 	 	7.36	 	 	 	049	 






			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00
	 
	 	Exhibit: S - 6






 









 





     



RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 2 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Smoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:	 	005679
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	030
	 	 	1.17	 	 	 	1.27	 	 	 	1.44	 	 	 	1.57	 	 	 	1.69	 	 	 	1.84	 	 	 	2.01	 	 	 	2.21	 	 	 	2.42	 	 	 	2.67	 	 	 	2.96	 	 	 	3.32	 	 	 	3.74	 	 	 	4.15	 	 	 	4.61	 	 	 	5.19	 	 	 	5.74	 	 	 	6.34	 	 	 	6.99	 	 	 	7.68	 	 	 	8.41	 	 	 	050	 
	031
	 	 	1.15	 	 	 	1.28	 	 	 	1.50	 	 	 	1.65	 	 	 	1.79	 	 	 	1.96	 	 	 	2.14	 	 	 	2.35	 	 	 	2.59	 	 	 	2.90	 	 	 	3.26	 	 	 	3.67	 	 	 	4.09	 	 	 	4.54	 	 	 	5.06	 	 	 	5.75	 	 	 	6.40	 	 	 	7.11	 	 	 	7.88	 	 	 	8.70	 	 	 	9.60	 	 	 	051	 
	032
	 	 	1.15	 	 	 	1.30	 	 	 	1.58	 	 	 	1.75	 	 	 	1.92	 	 	 	2.10	 	 	 	2.31	 	 	 	2.55	 	 	 	2.84	 	 	 	3.20	 	 	 	3.63	 	 	 	4.05	 	 	 	4.52	 	 	 	5.04	 	 	 	5.62	 	 	 	6.41	 	 	 	7.13	 	 	 	7.92	 	 	 	8.77	 	 	 	9.70	 	 	 	10.73	 	 	 	052	 
	033
	 	 	1.16	 	 	 	1.33	 	 	 	1.66	 	 	 	1.87	 	 	 	2.09	 	 	 	2.31	 	 	 	2.53	 	 	 	2.83	 	 	 	3.20	 	 	 	3.60	 	 	 	4.03	 	 	 	4.52	 	 	 	5.05	 	 	 	5.65	 	 	 	6.31	 	 	 	7.16	 	 	 	7.93	 	 	 	8.76	 	 	 	9.67	 	 	 	10.67	 	 	 	11.76	 	 	 	053	 
	034
	 	 	1.17	 	 	 	1.38	 	 	 	1.77	 	 	 	2.03	 	 	 	2.29	 	 	 	2.53	 	 	 	2.82	 	 	 	3.19	 	 	 	3.60	 	 	 	4.04	 	 	 	4.53	 	 	 	5.06	 	 	 	5.64	 	 	 	6.33	 	 	 	7.08	 	 	 	7.98	 	 	 	8.79	 	 	 	9.69	 	 	 	10.67	 	 	 	11.72	 	 	 	12.87	 	 	 	054	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	035
	 	 	1.19	 	 	 	1.44	 	 	 	1.90	 	 	 	2.23	 	 	 	2.52	 	 	 	2.82	 	 	 	3.19	 	 	 	3.61	 	 	 	4.05	 	 	 	4.55	 	 	 	5.08	 	 	 	5.63	 	 	 	6.30	 	 	 	7.08	 	 	 	7.90	 	 	 	8.87	 	 	 	9.75	 	 	 	10.71	 	 	 	11.74	 	 	 	12.86	 	 	 	14.01	 	 	 	055	 
	036
	 	 	1.23	 	 	 	1.52	 	 	 	2.07	 	 	 	2.46	 	 	 	2.82	 	 	 	3.19	 	 	 	3.61	 	 	 	4.06	 	 	 	4.56	 	 	 	5.10	 	 	 	5.64	 	 	 	6.27	 	 	 	7.04	 	 	 	7.89	 	 	 	8.80	 	 	 	9.85	 	 	 	10.80	 	 	 	11.82	 	 	 	12.92	 	 	 	14.04	 	 	 	15.18	 	 	 	056	 
	037
	 	 	1.28	 	 	 	1.62	 	 	 	2.23	 	 	 	2.67	 	 	 	3.09	 	 	 	3.50	 	 	 	3.96	 	 	 	4.43	 	 	 	5.01	 	 	 	5.59	 	 	 	6.16	 	 	 	6.89	 	 	 	7.77	 	 	 	8.72	 	 	 	9.73	 	 	 	10.88	 	 	 	11.89	 	 	 	12.99	 	 	 	14.10	 	 	 	15.23	 	 	 	16.46	 	 	 	057	 
	038
	 	 	1.34	 	 	 	1.71	 	 	 	2.38	 	 	 	2.86	 	 	 	3.31	 	 	 	3.74	 	 	 	4.23	 	 	 	4.74	 	 	 	5.36	 	 	 	6.00	 	 	 	6.65	 	 	 	7.48	 	 	 	8.49	 	 	 	9.58	 	 	 	10.68	 	 	 	11.93	 	 	 	13.03	 	 	 	14.16	 	 	 	15.30	 	 	 	16.53	 	 	 	17.89	 	 	 	058	 
	039
	 	 	1.41	 	 	 	1.82	 	 	 	2.57	 	 	 	3.08	 	 	 	3.56	 	 	 	4.01	 	 	 	4.53	 	 	 	5.06	 	 	 	5.71	 	 	 	6.40	 	 	 	7.17	 	 	 	8.11	 	 	 	9.28	 	 	 	10.51	 	 	 	11.71	 	 	 	12.96	 	 	 	14.20	 	 	 	15.35	 	 	 	16.60	 	 	 	17.97	 	 	 	19.47	 	 	 	059	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	040
	 	 	1.50	 	 	 	1.95	 	 	 	2.79	 	 	 	3.34	 	 	 	3.85	 	 	 	4.31	 	 	 	4.85	 	 	 	5.39	 	 	 	6.05	 	 	 	6.81	 	 	 	7.69	 	 	 	8.77	 	 	 	10.12	 	 	 	11.52	 	 	 	12.82	 	 	 	14.01	 	 	 	15.22	 	 	 	16.64	 	 	 	18.03	 	 	 	19.54	 	 	 	21.22	 	 	 	060	 
	041
	 	 	1.61	 	 	 	2.12	 	 	 	3.06	 	 	 	3.65	 	 	 	4.17	 	 	 	4.65	 	 	 	5.17	 	 	 	5.72	 	 	 	6.38	 	 	 	7.22	 	 	 	8.23	 	 	 	9.48	 	 	 	11.02	 	 	 	12.61	 	 	 	13.95	 	 	 	15.08	 	 	 	16.25	 	 	 	17.80	 	 	 	19.60	 	 	 	21.30	 	 	 	23.15	 	 	 	061	 
	042
	 	 	1.73	 	 	 	2.34	 	 	 	3.34	 	 	 	3.99	 	 	 	4.54	 	 	 	5.04	 	 	 	5.58	 	 	 	6.14	 	 	 	6.80	 	 	 	7.71	 	 	 	8.85	 	 	 	10.21	 	 	 	11.89	 	 	 	13.57	 	 	 	14.98	 	 	 	16.10	 	 	 	17.42	 	 	 	18.96	 	 	 	21.01	 	 	 	23.18	 	 	 	25.13	 	 	 	062	 
	043
	 	 	1.86	 	 	 	2.61	 	 	 	3.63	 	 	 	4.35	 	 	 	4.96	 	 	 	5.51	 	 	 	6.08	 	 	 	6.65	 	 	 	7.35	 	 	 	8.31	 	 	 	9.53	 	 	 	10.96	 	 	 	12.67	 	 	 	14.37	 	 	 	15.93	 	 	 	17.20	 	 	 	18.67	 	 	 	20.42	 	 	 	22.46	 	 	 	24.95	 	 	 	27.17	 	 	 	063	 
	044
	 	 	2.01	 	 	 	2,90	 	 	 	3.96	 	 	 	4.73	 	 	 	5.40	 	 	 	6.01	 	 	 	6.59	 	 	 	7.22	 	 	 	7.97	 	 	 	8.95	 	 	 	10.23	 	 	 	11.69	 	 	 	13.44	 	 	 	15.22	 	 	 	16.97	 	 	 	18.38	 	 	 	20.05	 	 	 	21.98	 	 	 	24.19	 	 	 	26.77	 	 	 	29.61	 	 	 	064	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	045
	 	 	2.17	 	 	 	3.25	 	 	 	4.29	 	 	 	5.13	 	 	 	5.85	 	 	 	6.52	 	 	 	7.15	 	 	 	7.87	 	 	 	8.59	 	 	 	9.60	 	 	 	10.93	 	 	 	12.40	 	 	 	14.24	 	 	 	16.12	 	 	 	18.09	 	 	 	19.67	 	 	 	21.49	 	 	 	23.56	 	 	 	25.99	 	 	 	28.86	 	 	 	32.28	 	 	 	065	 
	046
	 	 	2.35	 	 	 	3.63	 	 	 	4.64	 	 	 	5.55	 	 	 	6.31	 	 	 	7.06	 	 	 	7.79	 	 	 	8.49	 	 	 	9.21	 	 	 	10.24	 	 	 	11.61	 	 	 	13.16	 	 	 	15.10	 	 	 	17.09	 	 	 	19.31	 	 	 	21.01	 	 	 	22.94	 	 	 	25.21	 	 	 	27.89	 	 	 	31.10	 	 	 	34.86	 	 	 	066	 
	047
	 	 	2.54	 	 	 	3.93	 	 	 	4.94	 	 	 	5.91	 	 	 	6.77	 	 	 	7.61	 	 	 	8.46	 	 	 	9.15	 	 	 	9.96	 	 	 	11.03	 	 	 	12.59	 	 	 	14.27	 	 	 	16.29	 	 	 	18.38	 	 	 	20.71	 	 	 	22.51	 	 	 	24.64	 	 	 	27.18	 	 	 	30.22	 	 	 	33.93	 	 	 	37.92	 	 	 	067	 
	048
	 	 	2.75	 	 	 	4.13	 	 	 	5.18	 	 	 	6.23	 	 	 	7.20	 	 	 	8.13	 	 	 	9.10	 	 	 	9.91	 	 	 	10.85	 	 	 	12.05	 	 	 	13.92	 	 	 	15.79	 	 	 	17.89	 	 	 	20.00	 	 	 	22.22	 	 	 	24.24	 	 	 	26.65	 	 	 	29.55	 	 	 	33.24	 	 	 	37.38	 	 	 	41.62	 	 	 	068	 
	049
	 	 	2.97	 	 	 	4.30	 	 	 	5.42	 	 	 	6.53	 	 	 	7.62	 	 	 	8.65	 	 	 	9.72	 	 	 	10.67	 	 	 	11.83	 	 	 	13.19	 	 	 	15.40	 	 	 	17.50	 	 	 	19.64	 	 	 	21.70	 	 	 	23.78	 	 	 	26.06	 	 	 	28.80	 	 	 	32.48	 	 	 	36.74	 	 	 	41.13	 	 	 	45.60	 	 	 	069	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	050
	 	 	3.18	 	 	 	4.46	 	 	 	5.62	 	 	 	6.80	 	 	 	8.04	 	 	 	9.14	 	 	 	10.31	 	 	 	11.50	 	 	 	12.90	 	 	 	14.45	 	 	 	17.08	 	 	 	19.42	 	 	 	21.51	 	 	 	23.50	 	 	 	25.40	 	 	 	27.98	 	 	 	31.63	 	 	 	36.01	 	 	 	40.56	 	 	 	45.20	 	 	 	49.85	 	 	 	070	 
	051
	 	 	3.40	 	 	 	4.60	 	 	 	5.80	 	 	 	7.04	 	 	 	8.40	 	 	 	9.59	 	 	 	10.93	 	 	 	12.40	 	 	 	14.08	 	 	 	15.84	 	 	 	18.94	 	 	 	21.48	 	 	 	23.51	 	 	 	25.39	 	 	 	27.10	 	 	 	30.70	 	 	 	35.21	 	 	 	39.89	 	 	 	44.70	 	 	 	49.55	 	 	 	54.43	 	 	 	071	 
	052
	 	 	3.65	 	 	 	4.87	 	 	 	6.14	 	 	 	7.46	 	 	 	8.90	 	 	 	10.21	 	 	 	11.72	 	 	 	13.38	 	 	 	15.29	 	 	 	17.28	 	 	 	20.72	 	 	 	23.50	 	 	 	25.41	 	 	 	27.13	 	 	 	29.54	 	 	 	34.15	 	 	 	38.97	 	 	 	43.94	 	 	 	48.99	 	 	 	53.87	 	 	 	59.27	 	 	 	072	 
	053
	 	 	3.95	 	 	 	5.30	 	 	 	6.66	 	 	 	8.08	 	 	 	9.61	 	 	 	11.05	 	 	 	12.69	 	 	 	14.47	 	 	 	16.50	 	 	 	18.72	 	 	 	22.40	 	 	 	25.34	 	 	 	27.05	 	 	 	29.45	 	 	 	32.82	 	 	 	37.75	 	 	 	42.89	 	 	 	48.13	 	 	 	53.00	 	 	 	58.15	 	 	 	64.32	 	 	 	073	 
	054
	 	 	4.27	 	 	 	5.74	 	 	 	7.17	 	 	 	8.76	 	 	 	10.39	 	 	 	11.95	 	 	 	13.76	 	 	 	15.66	 	 	 	17.76	 	 	 	20.22	 	 	 	24.17	 	 	 	26.96	 	 	 	29.36	 	 	 	32.72	 	 	 	36.41	 	 	 	41.67	 	 	 	47.09	 	 	 	51.93	 	 	 	56.81	 	 	 	62.68	 	 	 	69.76	 	 	 	074	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	055
	 	 	4.59	 	 	 	6.18	 	 	 	7.73	 	 	 	9.50	 	 	 	11.25	 	 	 	12.97	 	 	 	14.92	 	 	 	16.90	 	 	 	19.07	 	 	 	21.82	 	 	 	26.08	 	 	 	29.27	 	 	 	32.62	 	 	 	36.30	 	 	 	40.31	 	 	 	45.88	 	 	 	50.66	 	 	 	55.25	 	 	 	60.79	 	 	 	67.51	 	 	 	76.11	 	 	 	075	 
	056
	 	 	4.90	 	 	 	6.65	 	 	 	8.35	 	 	 	10.31	 	 	 	12.19	 	 	 	14.07	 	 	 	16.14	 	 	 	18.19	 	 	 	20.45	 	 	 	23.52	 	 	 	28.14	 	 	 	32.32	 	 	 	36.19	 	 	 	39.95	 	 	 	44.51	 	 	 	49.22	 	 	 	53.49	 	 	 	58.68	 	 	 	65.00	 	 	 	73.15	 	 	 	83.34	 	 	 	076	 
	057
	 	 	5.20	 	 	 	7.14	 	 	 	9.14	 	 	 	11.26	 	 	 	13.36	 	 	 	15.20	 	 	 	17.35	 	 	 	19.50	 	 	 	21.87	 	 	 	25.22	 	 	 	30.09	 	 	 	34.72	 	 	 	39.08	 	 	 	42.86	 	 	 	48.13	 	 	 	51.95	 	 	 	56.63	 	 	 	62.37	 	 	 	69.83	 	 	 	79.38	 	 	 	90.42	 	 	 	077	 
	058
	 	 	5.49	 	 	 	7.62	 	 	 	10.15	 	 	 	12.36	 	 	 	14.74	 	 	 	16.34	 	 	 	18.52	 	 	 	20.83	 	 	 	23.31	 	 	 	26.85	 	 	 	31.85	 	 	 	36.51	 	 	 	41.08	 	 	 	45.05	 	 	 	51.03	 	 	 	55.10	 	 	 	60.14	 	 	 	66.78	 	 	 	75.54	 	 	 	85.82	 	 	 	97.38	 	 	 	078	 
	059
	 	 	5.77	 	 	 	8.12	 	 	 	11.27	 	 	 	13.53	 	 	 	16.24	 	 	 	17.51	 	 	 	19.73	 	 	 	22.22	 	 	 	24.79	 	 	 	28.51	 	 	 	33.59	 	 	 	38.20	 	 	 	42.94	 	 	 	47.12	 	 	 	53.94	 	 	 	58.34	 	 	 	64.23	 	 	 	72.28	 	 	 	81.91	 	 	 	92.71	 	 	 	104.74	 	 	 	079	 






			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00
	 
	 	Exhibit: S - 6






 









 





     



RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	page 3 of 3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	**RP-98	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Annual	 	Life	 	Premiums	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Rename:	 	005616
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Male	 	Smoker	 	ALB	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	Ratecode:	 	005679
	 
	Issue	 	Policy Year	 	Attnd
	Age	 	01	 	02	 	03	 	04	 	05	 	06	 	07	 	08	 	09	 	10	 	11	 	12	 	13	 	14	 	15	 	16	 	17	 	18	 	19	 	20	 	000021+	 	Age
	060
	 	 	6.06	 	 	 	8.65	 	 	 	12.47	 	 	 	14.76	 	 	 	17.71	 	 	 	19.13	 	 	 	20.98	 	 	 	23.66	 	 	 	26.30	 	 	 	30.17	 	 	 	35.27	 	 	 	39.73	 	 	 	44.63	 	 	 	49.09	 	 	 	56.90	 	 	 	62.09	 	 	 	69.53	 	 	 	78.61	 	 	 	88.76	 	 	 	100.07	 	 	 	112.37	 	 	 	080	 
	061
	 	 	6.35	 	 	 	9.17	 	 	 	13.76	 	 	 	16.07	 	 	 	19.45	 	 	 	20.42	 	 	 	22.27	 	 	 	25.12	 	 	 	27.80	 	 	 	31.79	 	 	 	36.81	 	 	 	41.08	 	 	 	46.18	 	 	 	50.98	 	 	 	60.28	 	 	 	67.18	 	 	 	75.82	 	 	 	85.43	 	 	 	96.13	 	 	 	107.69	 	 	 	120.01	 	 	 	081	 
	062
	 	 	6.73	 	 	 	9.81	 	 	 	14.86	 	 	 	17.43	 	 	 	20.34	 	 	 	21.52	 	 	 	24.08	 	 	 	26.87	 	 	 	30.46	 	 	 	34.03	 	 	 	38.81	 	 	 	42.86	 	 	 	48.21	 	 	 	53.88	 	 	 	63.81	 	 	 	72.25	 	 	 	81.66	 	 	 	92.20	 	 	 	103.57	 	 	 	115.78	 	 	 	128.76	 	 	 	082	 
	063
	 	 	7.21	 	 	 	10.62	 	 	 	15.71	 	 	 	16.82	 	 	 	21.01	 	 	 	23.51	 	 	 	26.24	 	 	 	29.74	 	 	 	33.50	 	 	 	37.30	 	 	 	41.39	 	 	 	46.02	 	 	 	51.16	 	 	 	58.00	 	 	 	67.14	 	 	 	76.47	 	 	 	87.03	 	 	 	98.50	 	 	 	110.98	 	 	 	124.52	 	 	 	139.22	 	 	 	083	 
	064
	 	 	7.73	 	 	 	11.49	 	 	 	16.60	 	 	 	20.30	 	 	 	22.95	 	 	 	25.60	 	 	 	29.02	 	 	 	32.69	 	 	 	36.40	 	 	 	40.39	 	 	 	44.78	 	 	 	48.78	 	 	 	54.56	 	 	 	62.36	 	 	 	70.53	 	 	 	80.95	 	 	 	92.32	 	 	 	104.86	 	 	 	118.71	 	 	 	133.88	 	 	 	150.65	 	 	 	084	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	065
	 	 	8.26	 	 	 	12.42	 	 	 	17.53	 	 	 	21.85	 	 	 	24.57	 	 	 	28.30	 	 	 	31.88	 	 	 	35.50	 	 	 	39.39	 	 	 	43.67	 	 	 	47.27	 	 	 	51.14	 	 	 	58.14	 	 	 	66.94	 	 	 	74.14	 	 	 	85.24	 	 	 	97.64	 	 	 	111.57	 	 	 	126.94	 	 	 	144.06	 	 	 	163.03	 	 	 	085	 
	066
	 	 	8.83	 	 	 	13.39	 	 	 	18.47	 	 	 	23.47	 	 	 	27.59	 	 	 	31.07	 	 	 	34.60	 	 	 	38.39	 	 	 	42.56	 	 	 	45.92	 	 	 	49.31	 	 	 	54.48	 	 	 	61.86	 	 	 	71.69	 	 	 	77.43	 	 	 	89.50	 	 	 	103.32	 	 	 	118.66	 	 	 	135.85	 	 	 	155.04	 	 	 	176.21	 	 	 	086	 
	067
	 	 	9.54	 	 	 	14.51	 	 	 	19.79	 	 	 	25.33	 	 	 	30.47	 	 	 	33.36	 	 	 	37.67	 	 	 	41.11	 	 	 	45.42	 	 	 	48.25	 	 	 	53.24	 	 	 	58.67	 	 	 	66.51	 	 	 	76.60	 	 	 	81.93	 	 	 	95.10	 	 	 	110.42	 	 	 	127.33	 	 	 	146.28	 	 	 	167.31	 	 	 	190.49	 	 	 	087	 
	068
	 	 	10.40	 	 	 	15.80	 	 	 	21.49	 	 	 	27.42	 	 	 	32.91	 	 	 	35.98	 	 	 	40.60	 	 	 	44.57	 	 	 	48.42	 	 	 	52.60	 	 	 	57.98	 	 	 	63.80	 	 	 	72.12	 	 	 	82.23	 	 	 	88.29	 	 	 	102.84	 	 	 	119.26	 	 	 	137.70	 	 	 	158.23	 	 	 	180.94	 	 	 	205.95	 	 	 	088	 
	069
	 	 	11.32	 	 	 	17.17	 	 	 	23.28	 	 	 	29.62	 	 	 	35.48	 	 	 	38.77	 	 	 	44.02	 	 	 	48.59	 	 	 	52.78	 	 	 	57.28	 	 	 	63.05	 	 	 	69.18	 	 	 	77.93	 	 	 	88.61	 	 	 	95.07	 	 	 	110.93	 	 	 	128.79	 	 	 	148.74	 	 	 	170.90	 	 	 	195.34	 	 	 	221.98	 	 	 	089	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	070
	 	 	12.30	 	 	 	18.59	 	 	 	25.15	 	 	 	31.95	 	 	 	38.25	 	 	 	42.03	 	 	 	47.99	 	 	 	52.97	 	 	 	57.49	 	 	 	62.30	 	 	 	68.36	 	 	 	74.75	 	 	 	83.98	 	 	 	95.40	 	 	 	102.41	 	 	 	119.63	 	 	 	138.94	 	 	 	160.45	 	 	 	184.25	 	 	 	210.26	 	 	 	238.45	 	 	 	090	 
	071
	 	 	13.32	 	 	 	20.08	 	 	 	27.12	 	 	 	34.43	 	 	 	41.46	 	 	 	45.82	 	 	 	52.31	 	 	 	57.68	 	 	 	62.51	 	 	 	67.55	 	 	 	73.87	 	 	 	80.55	 	 	 	90.42	 	 	 	102.76	 	 	 	110.28	 	 	 	128.88	 	 	 	149.68	 	 	 	172.76	 	 	 	198.04	 	 	 	225.53	 	 	 	255.34	 	 	 	091	 
	072
	 	 	14.36	 	 	 	21.61	 	 	 	29.17	 	 	 	37.25	 	 	 	45.12	 	 	 	49.86	 	 	 	56.86	 	 	 	62.61	 	 	 	67.66	 	 	 	72.85	 	 	 	79.45	 	 	 	86.58	 	 	 	97.22	 	 	 	110.46	 	 	 	118.45	 	 	 	138.32	 	 	 	160.40	 	 	 	184.66	 	 	 	211.09	 	 	 	239.82	 	 	 	270,92	 	 	 	092	 
	073
	 	 	15.43	 	 	 	23.21	 	 	 	31.51	 	 	 	40.47	 	 	 	49.01	 	 	 	54.11	 	 	 	61.62	 	 	 	67,65	 	 	 	72.85	 	 	 	78.23	 	 	 	85.23	 	 	 	92.93	 	 	 	104.33	 	 	 	118.44	 	 	 	126.85	 	 	 	147.78	 	 	 	170.80	 	 	 	195.93	 	 	 	223.29	 	 	 	252.94	 	 	 	284.95	 	 	 	093	 
	074
	 	 	16.57	 	 	 	25.07	 	 	 	34.23	 	 	 	43.96	 	 	 	53.19	 	 	 	58.63	 	 	 	66.58	 	 	 	72.84	 	 	 	78.22	 	 	 	83.93	 	 	 	91.50	 	 	 	99.72	 	 	 	111.86	 	 	 	126.84	 	 	 	135.56	 	 	 	157.38	 	 	 	181.23	 	 	 	207:23	 	 	 	235.47	 	 	 	266.01	 	 	 	298.91	 	 	 	094	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	075
	 	 	17.90	 	 	 	27.23	 	 	 	37.18	 	 	 	47.71	 	 	 	57.64	 	 	 	63.35	 	 	 	71.68	 	 	 	78.22	 	 	 	83.93	 	 	 	90.09	 	 	 	98.19	 	 	 	106.92	 	 	 	119.79	 	 	 	135.55	 	 	 	144.38	 	 	 	166.98	 	 	 	191.66	 	 	 	218.51	 	 	 	247.61	 	 	 	279.01	 	 	 	314.21	 	 	 	095	 
	076
	 	 	19.44	 	 	 	29.58	 	 	 	40.35	 	 	 	51.70	 	 	 	62.27	 	 	 	68.21	 	 	 	76.97	 	 	 	83.92	 	 	 	90.08	 	 	 	96.67	 	 	 	105.28	 	 	 	114.50	 	 	 	128.02	 	 	 	144.37	 	 	 	153.18	 	 	 	176.57	 	 	 	202.07	 	 	 	229.74	 	 	 	259.67	 	 	 	293.24	 	 	 	331.00	 	 	 	096	 
	077
	 	 	21.12	 	 	 	32.10	 	 	 	43.73	 	 	 	55.86	 	 	 	67.05	 	 	 	73.25	 	 	 	82.59	 	 	 	90.08	 	 	 	96.68	 	 	 	103.65	 	 	 	112.74	 	 	 	122.37	 	 	 	136.35	 	 	 	153.17	 	 	 	161.96	 	 	 	186.13	 	 	 	212.41	 	 	 	240.39	 	 	 	272.87	 	 	 	308.86	 	 	 	348.04	 	 	 	097	 
	078
	 	 	22.92	 	 	 	34.79	 	 	 	47.25	 	 	 	60.14	 	 	 	72.00	 	 	 	78.59	 	 	 	88.64	 	 	 	96.66	 	 	 	103.65	 	 	 	111.00	 	 	 	120.49	 	 	 	130.32	 	 	 	144.66	 	 	 	161.95	 	 	 	170.70	 	 	 	195.62	 	 	 	222.68	 	 	 	253.09	 	 	 	287.35	 	 	 	324.70	 	 	 	365.31	 	 	 	098	 
	079
	 	 	24.84	 	 	 	37.59	 	 	 	50.87	 	 	 	64.58	 	 	 	77.25	 	 	 	84.35	 	 	 	95.12	 	 	 	103.64	 	 	 	111.00	 	 	 	118.63	 	 	 	128.32	 	 	 	138.27	 	 	 	152.95	 	 	 	170.68	 	 	 	179.37	 	 	 	205.04	 	 	 	233.91	 	 	 	266.47	 	 	 	302.02	 	 	 	340.75	 	 	 	382.83	 	 	 	099	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	080
	 	 	26.86	 	 	 	40.57	 	 	 	54.82	 	 	 	69.51	 	 	 	83.18	 	 	 	90.83	 	 	 	102.40	 	 	 	111.52	 	 	 	119.36	 	 	 	127.38	 	 	 	137.53	 	 	 	147.93	 	 	 	163.37	 	 	 	182.04	 	 	 	191.04	 	 	 	218.11	 	 	 	249.63	 	 	 	284.13	 	 	 	321.78	 	 	 	362.78	 	 	 	 	 	 	 	 	 






			
	 	 	 
	 
	 	 
	 
	 	 





Female risk premiums are based on
the above male rates with a 4 year age
setback for ages 21 and above. For ages
17 through 20, the female rates are the
same as the male age 16 rate and for
ages 0 through 16, the female rates are
the same as the male rates above.




			
	 	 	 
	By: OPS$TAPW455
	 	Document #: 3028-00-00
	 
	 	Exhibit: S - 6







 









 





Schedule IV




Reinsurance
Premiums




Rate
Schedule S-7


 




30









 




S-7




GUARANTEED INSURABILITY BENEFIT RATES

NON-EXPERIENCE RATED




INSTRUCTIONS FOR ADMINISTRATION





	1.	 	The Guaranteed Insurability Benefit reinsurance rates are on a per thousand dollar basis. There is no policy fee or commission payable on the single premium.
	 
	2.	 	The rates are applicable to males and also to females with an age adjustment factor. For females with attained ages 21 to 24, use male rates for age 21. For females aged 25 and over use male rates for an age of 3 years less.
	 
	3.	 	The Option Duration is the policy year of the original policy at the time of issue of the opted policy.
	 
	4.	 	Opted policies will be reinsured on a YRT basis using the appropriate YRT rate at the attained age of the insured and the duration of the original policy.
	 
	5.	 	The Reinsurer may change these rates of single premium by giving the Company three months’ notice in writing. The revised rates shall not be applicable to options to be exercised under contracts already issued at the date the change is effective, unless mutually agreed otherwise.
	 
	6.	 	The ceding company shall apply its full, available current retention as at the time of option to any opted policy unless specified otherwise in any facultative acceptance.
	 
	7.	 	If the opted policy is issued on a smoker mortality basis, use the Smoker GIB rate and the annual YRT rate based on the underwriting classification at the time of issue of the original policy to which the GIB rider is attached. If the opted policy is issued on a composite or non-smoker mortality basis, use the Non-smoker GIB rate and the annual YRT rate based on the underwriting classification at the time of issue of the original policy to which the GIB rider is attached.




 









 





S-7








SCHEDULE
OF SINGLE REASSURANCE PREMIUMS PER $1,000 SUM ASSURED 

FOR OPTED POLICIES ARISING UNDER GUARANTEED INSURABILITY BENEFIT PLAN 

FULLY GUARANTEED — NON-SMOKER 




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Option	 	 	 
	Age	 	 	 
	Last	 	OPTION DURATION	 
	 	 	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10+
	21
	 	 	0.71	 	 	 	1.45	 	 	 	1.95	 	 	 	2.47	 	 	 	3.00	 	 	 	3.55	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	22
	 	 	0.70	 	 	 	1.43	 	 	 	1.85	 	 	 	2.32	 	 	 	2.83	 	 	 	3.36	 	 	 	3.92	 	 	 	 	 	 	 	 	 	 	 	 	 
	23
	 	 	0.68	 	 	 	1.38	 	 	 	1.79	 	 	 	2.20	 	 	 	2.65	 	 	 	3.15	 	 	 	3.68	 	 	 	4.24	 	 	 	 	 	 	 	 	 
	24
	 	 	0.67	 	 	 	1.36	 	 	 	1.73	 	 	 	2.11	 	 	 	2.52	 	 	 	2.96	 	 	 	3.45	 	 	 	3.99	 	 	 	4.62	 	 	 	 	 
	25
	 	 	0.65	 	 	 	1.33	 	 	 	1.67	 	 	 	2.04	 	 	 	2.42	 	 	 	2.83	 	 	 	3.28	 	 	 	3.79	 	 	 	4.38	 	 	 	5.09	 
	 
	26
	 	 	0.62	 	 	 	1.28	 	 	 	1.62	 	 	 	1.97	 	 	 	2.34	 	 	 	2.73	 	 	 	3.15	 	 	 	3.63	 	 	 	4.21	 	 	 	4.89	 
	27
	 	 	0.63	 	 	 	1.28	 	 	 	1.60	 	 	 	1.95	 	 	 	2.31	 	 	 	2.70	 	 	 	3.12	 	 	 	3.58	 	 	 	4.13	 	 	 	4.80	 
	28
	 	 	0.67	 	 	 	1.34	 	 	 	1.62	 	 	 	1.96	 	 	 	2.34	 	 	 	2.73	 	 	 	3.14	 	 	 	3.60	 	 	 	4.14	 	 	 	4.80	 
	29
	 	 	0.69	 	 	 	1.40	 	 	 	1.70	 	 	 	2.02	 	 	 	2.39	 	 	 	2.79	 	 	 	3.21	 	 	 	3.68	 	 	 	4.22	 	 	 	4.87	 
	30
	 	 	0.75	 	 	 	1.49	 	 	 	1.81	 	 	 	2.14	 	 	 	2.48	 	 	 	2.88	 	 	 	3.32	 	 	 	3.80	 	 	 	4.36	 	 	 	5.01	 
	 
	31
	 	 	0.82	 	 	 	1.61	 	 	 	1.94	 	 	 	2.29	 	 	 	2.65	 	 	 	3.03	 	 	 	3.47	 	 	 	3.97	 	 	 	4.55	 	 	 	5.22	 
	32
	 	 	0.87	 	 	 	1.72	 	 	 	2.10	 	 	 	2.46	 	 	 	2.84	 	 	 	3.24	 	 	 	3.67	 	 	 	4.17	 	 	 	4.78	 	 	 	5.48	 
	33
	 	 	0.92	 	 	 	1.83	 	 	 	2.26	 	 	 	2.66	 	 	 	3.05	 	 	 	3.48	 	 	 	3.93	 	 	 	4.44	 	 	 	5.06	 	 	 	5.80	 
	34
	 	 	0.99	 	 	 	1.96	 	 	 	2.41	 	 	 	2.87	 	 	 	3.32	 	 	 	3.77	 	 	 	4.25	 	 	 	4.79	 	 	 	5.42	 	 	 	6.19	 
	35
	 	 	1.13	 	 	 	2.17	 	 	 	2.66	 	 	 	3.16	 	 	 	3.67	 	 	 	4.18	 	 	 	4.69	 	 	 	5.27	 	 	 	5.95	 	 	 	6.73	 
	36
	 	 	1.28	 	 	 	2.46	 	 	 	3.02	 	 	 	3.57	 	 	 	4.12	 	 	 	4.70	 	 	 	5.28	 	 	 	5.90	 	 	 	6.62	 	 	 	7.47	 
	37
	 	 	1.40	 	 	 	2.75	 	 	 	3.44	 	 	 	4.05	 	 	 	4.67	 	 	 	5.29	 	 	 	5.95	 	 	 	6.65	 	 	 	7.42	 	 	 	8.34	 
	38
	 	 	1.54	 	 	 	3.02	 	 	 	3.86	 	 	 	4.62	 	 	 	5.31	 	 	 	6.02	 	 	 	6.73	 	 	 	7.52	 	 	 	8.38	 	 	 	9.37	 
	39
	 	 	1.70	 	 	 	3.33	 	 	 	4.29	 	 	 	5.22	 	 	 	6.07	 	 	 	6.86	 	 	 	7.66	 	 	 	8.52	 	 	 	9.49	 	 	 	10.58	 
	40
	 	 	1.87	 	 	 	3.67	 	 	 	4.78	 	 	 	5.83	 	 	 	6.87	 	 	 	7.82	 	 	 	8.73	 	 	 	9.69	 	 	 	10.76	 	 	 	11.97	 
	 
	41
	 	 	2.07	 	 	 	4.06	 	 	 	5.34	 	 	 	6.54	 	 	 	7.71	 	 	 	8.87	 	 	 	9.97	 	 	 	11.04	 	 	 	12.23	 	 	 	13.56	 
	42
	 	 	2.29	 	 	 	4.49	 	 	 	5.94	 	 	 	7.34	 	 	 	8.69	 	 	 	10.00	 	 	 	11.31	 	 	 	12.59	 	 	 	13.92	 	 	 	15.39	 
	43
	 	 	2.53	 	 	 	4.96	 	 	 	6.63	 	 	 	8.23	 	 	 	9.78	 	 	 	11.29	 	 	 	12.78	 	 	 	14.30	 	 	 	15.85	 	 	 	17.49	 
	44
	 	 	2.78	 	 	 	5.47	 	 	 	7.38	 	 	 	9.21	 	 	 	10.98	 	 	 	12.71	 	 	 	14.42	 	 	 	16.14	 	 	 	17.96	 	 	 	19.86	 
	45
	 	 	3.20	 	 	 	6.15	 	 	 	8.32	 	 	 	10.42	 	 	 	12.44	 	 	 	14.42	 	 	 	16.38	 	 	 	18.34	 	 	 	20.40	 	 	 	22.60	 






 









 





S-7



SCHEDULE
OF SINGLE REASSURANCE PREMIUMS PER $1,000 SUM ASSURED 

FOR OPTED POLICIES ARISING UNDER GUARANTEED INSURABILITY BENEFIT PLAN 

FULLY GUARANTEED — NON-SMOKER 




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Option	 	 	 
	Age	 	 	 
	Last	 	OPTION DURATION	 
	 	 	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10+
	46
	 	 	3.74	 	 	 	7.19	 	 	 	9.64	 	 	 	12.01	 	 	 	14.33	 	 	 	16.58	 	 	 	18.81	 	 	 	21.04	 	 	 	23.39	 	 	 	25.87	 
	47
	 	 	4.19	 	 	 	8.21	 	 	 	11.12	 	 	 	13.78	 	 	 	16.40	 	 	 	18.96	 	 	 	21.49	 	 	 	24.04	 	 	 	26.71	 	 	 	29.51	 
	48
	 	 	4.68	 	 	 	9.17	 	 	 	12.62	 	 	 	15.77	 	 	 	18.69	 	 	 	21.59	 	 	 	24.47	 	 	 	27.35	 	 	 	30.38	 	 	 	33.56	 
	49
	 	 	5.23	 	 	 	10.24	 	 	 	14.11	 	 	 	17.82	 	 	 	21.26	 	 	 	24.51	 	 	 	27.76	 	 	 	31.04	 	 	 	34.46	 	 	 	38.05	 
	50
	 	 	5.59	 	 	 	11.19	 	 	 	15.54	 	 	 	19.71	 	 	 	23.75	 	 	 	27.56	 	 	 	31.20	 	 	 	34.91	 	 	 	38.78	 	 	 	42.81	 
	 
	51
	 	 	5.98	 	 	 	11.98	 	 	 	16.87	 	 	 	21.56	 	 	 	26.10	 	 	 	30.56	 	 	 	34.81	 	 	 	38.96	 	 	 	43.33	 	 	 	47.86	 
	52
	 	 	6.63	 	 	 	13.05	 	 	 	18.30	 	 	 	23.57	 	 	 	28.66	 	 	 	33.66	 	 	 	38.61	 	 	 	43.44	 	 	 	48.31	 	 	 	53.41	 
	53
	 	 	7.34	 	 	 	14.45	 	 	 	20.06	 	 	 	25.71	 	 	 	31.41	 	 	 	37.01	 	 	 	42.55	 	 	 	48.13	 	 	 	53.77	 	 	 	59.47	 
	54
	 	 	8.14	 	 	 	15.99	 	 	 	22.22	 	 	 	28.24	 	 	 	34.36	 	 	 	40.60	 	 	 	46.79	 	 	 	53.04	 	 	 	59.53	 	 	 	66.09	 
	55
	 	 	9.34	 	 	 	18.01	 	 	 	24.92	 	 	 	31.57	 	 	 	38.10	 	 	 	44.78	 	 	 	51.67	 	 	 	58.66	 	 	 	65.95	 	 	 	73.47	 
	 
	56
	 	 	10.69	 	 	 	20.61	 	 	 	28.26	 	 	 	35.61	 	 	 	42.79	 	 	 	49.94	 	 	 	57.34	 	 	 	65.13	 	 	 	73.31	 	 	 	81.75	 
	57
	 	 	11.86	 	 	 	23.18	 	 	 	32.00	 	 	 	40.12	 	 	 	48.04	 	 	 	55.91	 	 	 	63.85	 	 	 	72.25	 	 	 	81.40	 	 	 	90.87	 
	58
	 	 	13.15	 	 	 	25.68	 	 	 	35.83	 	 	 	45.17	 	 	 	53.90	 	 	 	62.57	 	 	 	71.33	 	 	 	80.39	 	 	 	90.31	 	 	 	100.91	 
	59
	 	 	14.58	 	 	 	28.47	 	 	 	39.76	 	 	 	50.47	 	 	 	60.46	 	 	 	70.03	 	 	 	79.69	 	 	 	89.70	 	 	 	100.44	 	 	 	112.01	 
	60
	 	 	15.61	 	 	 	31.01	 	 	 	43.61	 	 	 	55.55	 	 	 	67.01	 	 	 	77.88	 	 	 	88.48	 	 	 	99.51	 	 	 	111.39	 	 	 	123.97	 
	 
	61
	 	 	16.73	 	 	 	33.22	 	 	 	47.25	 	 	 	60.55	 	 	 	73.33	 	 	 	85.78	 	 	 	97.86	 	 	 	109.96	 	 	 	123.00	 	 	 	136.84	 
	62
	 	 	18.44	 	 	 	36.08	 	 	 	51.13	 	 	 	65.92	 	 	 	80.10	 	 	 	93.93	 	 	 	107.70	 	 	 	121.44	 	 	 	135.85	 	 	 	151.16	 
	63
	 	 	20.31	 	 	 	39.71	 	 	 	55.81	 	 	 	71.63	 	 	 	87.35	 	 	 	102.67	 	 	 	117.92	 	 	 	133.53	 	 	 	149.82	 	 	 	166.74	 
	64
	 	 	22.35	 	 	 	43.69	 	 	 	61.44	 	 	 	78.33	 	 	 	95.11	 	 	 	112.04	 	 	 	128.87	 	 	 	146.14	 	 	 	164.59	 	 	 	183.66	 
	65
	 	 	23.15	 	 	 	46.59	 	 	 	66.16	 	 	 	84.76	 	 	 	102.64	 	 	 	120.70	 	 	 	139.28	 	 	 	158.33	 	 	 	178.76	 	 	 	200.27	 
	66
	 	 	24.00	 	 	 	48.26	 	 	 	69.84	 	 	 	90.30	 	 	 	109.97	 	 	 	129.21	 	 	 	149.06	 	 	 	170.07	 	 	 	192.64	 	 	 	216.49	 
	 
	67
	 	 	26.39	 	 	 	51.54	 	 	 	73.80	 	 	 	96.35	 	 	 	117.97	 	 	 	139.12	 	 	 	160.30	 	 	 	182.82	 	 	 	207.74	 	 	 	234.11	 
	68
	 	 	29.03	 	 	 	56.66	 	 	 	79.68	 	 	 	102.97	 	 	 	126.79	 	 	 	150.05	 	 	 	173.30	 	 	 	197.41	 	 	 	224.24	 	 	 	253.40	 
	69
	 	 	31.91	 	 	 	62.29	 	 	 	87.71	 	 	 	111.85	 	 	 	136.51	 	 	 	162.09	 	 	 	187.64	 	 	 	214.11	 	 	 	242.99	 	 	 	274.54	 
	70
	 	 	34.98	 	 	 	68.37	 	 	 	96.46	 	 	 	123.12	 	 	 	148.70	 	 	 	175.25	 	 	 	203.34	 	 	 	232.43	 	 	 	264.17	 	 	 	298.29	 






 









 





S-7



SCHEDULE OF SINGLE REASSURANCE PREMIUMS PER $1,000 SUM ASSURED 

FOR OPTED POLICIES ARISING UNDER GUARANTEED INSURABILITY BENEFIT PLAN 

FULLY GUARANTEED — SMOKER




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Option	 	 	 
	Age	 	 	 
	Last	 	OPTION DURATION	 
	 	 	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10+
	21
	 	 	0.88	 	 	 	1.69	 	 	 	2.22	 	 	 	2.82	 	 	 	3.43	 	 	 	4.08	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	22
	 	 	0.86	 	 	 	1.76	 	 	 	2.20	 	 	 	2.67	 	 	 	3.26	 	 	 	3.92	 	 	 	4.66	 	 	 	 	 	 	 	 	 	 	 	 	 
	23
	 	 	0.82	 	 	 	1.69	 	 	 	2.19	 	 	 	2.62	 	 	 	3.09	 	 	 	3.71	 	 	 	4.40	 	 	 	5.17	 	 	 	 	 	 	 	 	 
	24
	 	 	0.81	 	 	 	1.64	 	 	 	2.09	 	 	 	2.57	 	 	 	3.00	 	 	 	3.50	 	 	 	4.14	 	 	 	4.87	 	 	 	5.79	 	 	 	 	 
	25
	 	 	0.77	 	 	 	1.58	 	 	 	1.98	 	 	 	2.45	 	 	 	2.92	 	 	 	3.37	 	 	 	3.91	 	 	 	4.60	 	 	 	5.46	 	 	 	6.52	 
	 
	26
	 	 	0.71	 	 	 	1.49	 	 	 	1.88	 	 	 	2.30	 	 	 	2.77	 	 	 	3.26	 	 	 	3.75	 	 	 	4.35	 	 	 	5.18	 	 	 	6.19	 
	27
	 	 	0.73	 	 	 	1.48	 	 	 	1.83	 	 	 	2.25	 	 	 	2.69	 	 	 	3.18	 	 	 	3.71	 	 	 	4.27	 	 	 	5.02	 	 	 	6.00	 
	28
	 	 	0.77	 	 	 	1.56	 	 	 	1.86	 	 	 	2.25	 	 	 	2.71	 	 	 	3.18	 	 	 	3.71	 	 	 	4.31	 	 	 	5.01	 	 	 	5.93	 
	29
	 	 	0.79	 	 	 	1.62	 	 	 	1.95	 	 	 	2.30	 	 	 	2.73	 	 	 	3.23	 	 	 	3.75	 	 	 	4.36	 	 	 	5.09	 	 	 	5.97	 
	30
	 	 	0.92	 	 	 	1.77	 	 	 	2.13	 	 	 	2.50	 	 	 	2.89	 	 	 	3.37	 	 	 	3.91	 	 	 	4.51	 	 	 	5.27	 	 	 	6.17	 
	 
	31
	 	 	1.06	 	 	 	2.04	 	 	 	2.39	 	 	 	2.79	 	 	 	3.20	 	 	 	3.65	 	 	 	4.18	 	 	 	4.80	 	 	 	5.56	 	 	 	6.49	 
	32
	 	 	1.12	 	 	 	2.23	 	 	 	2.69	 	 	 	3.09	 	 	 	3.52	 	 	 	4.01	 	 	 	4.52	 	 	 	5.14	 	 	 	5.92	 	 	 	6.87	 
	33
	 	 	1.18	 	 	 	2.36	 	 	 	2.94	 	 	 	3.44	 	 	 	3.88	 	 	 	4.39	 	 	 	4.94	 	 	 	5.57	 	 	 	6.34	 	 	 	7.33	 
	34
	 	 	1.27	 	 	 	2.52	 	 	 	3.13	 	 	 	3.76	 	 	 	4.32	 	 	 	4.85	 	 	 	5.42	 	 	 	6.10	 	 	 	6.89	 	 	 	7.88	 
	35
	 	 	1.45	 	 	 	2.78	 	 	 	3.45	 	 	 	4.12	 	 	 	4.81	 	 	 	5.46	 	 	 	6.06	 	 	 	6.78	 	 	 	7.64	 	 	 	8.65	 
	 
	36
	 	 	1.64	 	 	 	3.16	 	 	 	3.91	 	 	 	4.64	 	 	 	5.38	 	 	 	6.16	 	 	 	6.90	 	 	 	7.65	 	 	 	8.56	 	 	 	9.66	 
	37
	 	 	1.78	 	 	 	3.51	 	 	 	4.43	 	 	 	5.25	 	 	 	6.07	 	 	 	6.91	 	 	 	7.79	 	 	 	8.68	 	 	 	9.64	 	 	 	10.81	 
	38
	 	 	1.96	 	 	 	3.84	 	 	 	4.96	 	 	 	5.96	 	 	 	6.88	 	 	 	7.82	 	 	 	8.77	 	 	 	9.81	 	 	 	10.92	 	 	 	12.15	 
	39
	 	 	2.15	 	 	 	4.21	 	 	 	5.47	 	 	 	6.69	 	 	 	7.82	 	 	 	8.86	 	 	 	9.92	 	 	 	11.05	 	 	 	12.33	 	 	 	13.73	 
	40
	 	 	2.35	 	 	 	4.62	 	 	 	6.06	 	 	 	7.43	 	 	 	8.79	 	 	 	10.04	 	 	 	11.24	 	 	 	12.49	 	 	 	13.90	 	 	 	15.48	 
	 
	41
	 	 	2.59	 	 	 	5.08	 	 	 	6.72	 	 	 	8.28	 	 	 	9.80	 	 	 	11.31	 	 	 	12.75	 	 	 	14.15	 	 	 	15.69	 	 	 	17.43	 
	42
	 	 	2.84	 	 	 	5.59	 	 	 	7.44	 	 	 	9.23	 	 	 	10.97	 	 	 	12.67	 	 	 	14.37	 	 	 	16.04	 	 	 	17.75	 	 	 	19.65	 
	43
	 	 	3.13	 	 	 	6.15	 	 	 	8.26	 	 	 	10.29	 	 	 	12.28	 	 	 	14.21	 	 	 	16.13	 	 	 	18.09	 	 	 	20.09	 	 	 	22.19	 
	44
	 	 	3.43	 	 	 	6.75	 	 	 	9.15	 	 	 	11.45	 	 	 	13.70	 	 	 	15.91	 	 	 	18.09	 	 	 	20.29	 	 	 	22.62	 	 	 	25.04	 
	45
	 	 	3.93	 	 	 	7.56	 	 	 	10.27	 	 	 	12.89	 	 	 	15.44	 	 	 	17.94	 	 	 	20.42	 	 	 	22.91	 	 	 	25.52	 	 	 	28.30	 






 









 





S-7




SCHEDULE OF SINGLE REASSURANCE PREMIUMS PER $1,000 SUM ASSURED 

FOR OPTED POLICIES ARISING UNDER GUARANTEED INSURABILITY BENEFIT PLAN 

FULLY GUARANTEED — SMOKER




	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Option	 	 	 
	Age	 	 	 
	Last	 	OPTION DURATION	 
	 	 	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10+
	46
	 	 	4.57	 	 	 	8.79	 	 	 	11.83	 	 	 	14.78	 	 	 	17.68	 	 	 	20.50	 	 	 	23.30	 	 	 	26.11	 	 	 	29.05	 	 	 	32.16	 
	47
	 	 	5.08	 	 	 	9.98	 	 	 	13.57	 	 	 	16.86	 	 	 	20.11	 	 	 	23.30	 	 	 	26.45	 	 	 	29.63	 	 	 	32.94	 	 	 	36.42	 
	48
	 	 	5.64	 	 	 	11.08	 	 	 	15.30	 	 	 	19.17	 	 	 	22.78	 	 	 	26.36	 	 	 	29.92	 	 	 	33.48	 	 	 	37.21	 	 	 	41.13	 
	49
	 	 	6.26	 	 	 	12.29	 	 	 	17.00	 	 	 	21.53	 	 	 	25.75	 	 	 	29.73	 	 	 	33.72	 	 	 	37.74	 	 	 	41.93	 	 	 	46.31	 
	50
	 	 	6.65	 	 	 	13.34	 	 	 	18.60	 	 	 	23.65	 	 	 	28.57	 	 	 	33.21	 	 	 	37.65	 	 	 	42.17	 	 	 	46.87	 	 	 	51.77	 
	 
	51
	 	 	7.07	 	 	 	14.19	 	 	 	20.06	 	 	 	25.71	 	 	 	31.18	 	 	 	36.58	 	 	 	41.74	 	 	 	46.77	 	 	 	52.05	 	 	 	57.53	 
	52
	 	 	7.79	 	 	 	15.37	 	 	 	21.62	 	 	 	27.92	 	 	 	34.03	 	 	 	40.04	 	 	 	46.01	 	 	 	51.84	 	 	 	57.72	 	 	 	63.86	 
	53
	 	 	8.58	 	 	 	16.91	 	 	 	23.56	 	 	 	30.27	 	 	 	37.08	 	 	 	43.77	 	 	 	50.42	 	 	 	57.13	 	 	 	63.90	 	 	 	70.75	 
	54
	 	 	9.46	 	 	 	18.61	 	 	 	25.95	 	 	 	33.07	 	 	 	40.33	 	 	 	47.77	 	 	 	55.16	 	 	 	62.64	 	 	 	70.42	 	 	 	78.26	 
	55
	 	 	10.81	 	 	 	20.87	 	 	 	28.96	 	 	 	36.80	 	 	 	44.51	 	 	 	52.44	 	 	 	60.65	 	 	 	68.99	 	 	 	77.68	 	 	 	86.66	 
	 
	56
	 	 	12.31	 	 	 	23.78	 	 	 	32.70	 	 	 	41.32	 	 	 	49.77	 	 	 	58.22	 	 	 	67.00	 	 	 	76.26	 	 	 	85.98	 	 	 	96.02	 
	57
	 	 	13.58	 	 	 	26.60	 	 	 	36.85	 	 	 	46.32	 	 	 	55.60	 	 	 	64.86	 	 	 	74.24	 	 	 	84.18	 	 	 	95.01	 	 	 	106.23	 
	58
	 	 	15.02	 	 	 	29.34	 	 	 	41.04	 	 	 	51.87	 	 	 	62.05	 	 	 	72.20	 	 	 	82.50	 	 	 	93.17	 	 	 	104.86	 	 	 	117.36	 
	59
	 	 	16.66	 	 	 	32.53	 	 	 	45.44	 	 	 	57.68	 	 	 	69.21	 	 	 	80.35	 	 	 	91.64	 	 	 	103.37	 	 	 	115.96	 	 	 	129.52	 
	60
	 	 	17.84	 	 	 	35.44	 	 	 	49.84	 	 	 	63.48	 	 	 	76.58	 	 	 	89.00	 	 	 	101.12	 	 	 	113.97	 	 	 	127.82	 	 	 	142.48	 
	 
	61
	 	 	19.12	 	 	 	37.96	 	 	 	54.00	 	 	 	69.20	 	 	 	83.80	 	 	 	98.03	 	 	 	111.84	 	 	 	125.66	 	 	 	140.57	 	 	 	156.38	 
	62
	 	 	21.07	 	 	 	41.23	 	 	 	58.43	 	 	 	75.34	 	 	 	91.54	 	 	 	107.35	 	 	 	123.08	 	 	 	138.79	 	 	 	155.26	 	 	 	172.75	 
	63
	 	 	23.21	 	 	 	45.38	 	 	 	63.78	 	 	 	81.86	 	 	 	99.83	 	 	 	117.34	 	 	 	134.76	 	 	 	152.60	 	 	 	171.22	 	 	 	190.56	 
	64
	 	 	25.54	 	 	 	49.93	 	 	 	70.21	 	 	 	89.52	 	 	 	108.70	 	 	 	128.04	 	 	 	147.28	 	 	 	167.02	 	 	 	188.10	 	 	 	209.89	 
	65
	 	 	26.45	 	 	 	53.24	 	 	 	75.61	 	 	 	96.86	 	 	 	117.30	 	 	 	137.94	 	 	 	159.17	 	 	 	180.95	 	 	 	204.29	 	 	 	228.88	 
	 
	66
	 	 	27.42	 	 	 	55.15	 	 	 	79.81	 	 	 	103.20	 	 	 	125.68	 	 	 	147.67	 	 	 	170.35	 	 	 	194.36	 	 	 	220.16	 	 	 	247.42	 
	67
	 	 	30.16	 	 	 	58.90	 	 	 	84.34	 	 	 	110.11	 	 	 	134.82	 	 	 	158.99	 	 	 	183.20	 	 	 	208.93	 	 	 	237.41	 	 	 	267.55	 
	68
	 	 	33.17	 	 	 	64.75	 	 	 	91.06	 	 	 	117.68	 	 	 	144.90	 	 	 	171.48	 	 	 	198.05	 	 	 	225.61	 	 	 	256.27	 	 	 	289.60	 
	69
	 	 	36.47	 	 	 	71.18	 	 	 	100.24	 	 	 	127.82	 	 	 	156.01	 	 	 	185.24	 	 	 	214.44	 	 	 	244.69	 	 	 	277.70	 	 	 	313.76	 
	70
	 	 	39.97	 	 	 	78.13	 	 	 	110.24	 	 	 	140.70	 	 	 	169.94	 	 	 	200.28	 	 	 	232.39	 	 	 	265.63	 	 	 	301.91	 	 	 	340.90	 






 









 






Schedule V




Limits




Reinsurer’s Share:




See Binding Limits




Age Limits:




	 	 	 
	Plan	 	Ages
	5 Year Level Term
	 	20 - 75
	10 Year Level Term
	 	20 - 75
	15 Year Level Term
	 	20 - 65
	20 Year Level Term
	 	20 - 60






Binding Limits:



Reinsurance shall be divided equally between the Reinsurer and the Ceding Company on a first dollar quota-share basis, up to the limits as shown below. In addition, amounts in excess of these limits will be reinsured by the Reinsurer as described below.




	 	 	 	 	 
	Agreement Year:
	 	To
the Ceding
Company:
	 	To the Reinsurer:
	All Years
	 	$500,000
	 	$500,000





The Reinsurer shall receive the excess of $1,000,000, up to $4,500,000.




Jumbo Limit:




$25,000,000




Rider and Supplementary Benefits Description:




See attachment 1 to this Schedule




03/06/98


31









 





Schedule V-1




RIDER DESCRIPTION




	 	 	 	 	 
	Additional Term Rider (ATR)
	 	 	 	 	 

	 	 	 	 	One Expert-10/10(i) rider is available on family member or business associate. Use the appropriate
Expert-10/10(i) $100,000-$249,999 rates for Expert-10/10(i) Additional Term Riders for all face
amounts.

	 	 	 	 	 

	 	 	Note:	 	Not available with BNO or GIO.

	 	 	 	 	 

	SUPPLEMENTARY BENEFITS DESCRIPTION
	 	 	 	 	 

	Insured Children’s Benefit (ICB)
	 	 	 	 	 

	 	 	Benefit	 	•
Insures dependent children. Insures newborns automatically at 15 days of age. Available through age 17 of the child.

	 	 	 	 	 

	 	 	 	 	•
Up to 5 x the face amount may be converred at age 25.

	 	 	 	 	 

	       Issue Ages (primary insured): 15—55
	 	 	 	 	 

	 	 	Minimum:	 	$1,000            Maximum:       $10,000

	 	 	 	 	 

	 	 	Note:	 	Premium is $6 per year for each $1,000 of coverage on all children.

	 	 	 	 	 

	Accelerated Benefit Option (ABO)*
	 	 	 	 	 

	 	 	Benefit	 	• Pays a portion of the death benefit in advance if insured is terminally ill.

	 	 	 	 	 

	 	 	Note:	 	There are no charges for this benefit.

	 	 	 	 	 

	Safety and Transportation Benefits*
	 	 	 	 	 

	 	 	Benefit	 	• Pays additional amounts if death occurs due to an auto accident and/or during travel.

	 	 	 	 	 

	 	 	Note:	 	There are no charges for these benefits.

	 	 	 	 	 

	Waiver of Premium (WP)
	 	 	 	 	 

	 	 	Benefit	 	• Keeps insurance in force while the primary insured is totally disabled; covers policy, rider and any supplementary benefits.

	 	 	 	 	 

	 	 	Issue Ages:	 	15—55

	 	 	 	 	 

	Accidental Death Benefit (ADB)
	 	 	 	 	 

	 	 	Benefit	 	• Pays an additional amount if death is caused by an accident.

	 	 	 	 	 

	 	 	Issue Ages:	 	15—60

	 	 	 	 	 

	 	 	Minimum:	 	$5,000            Maximum:       3 x face amount to $250,000, $250,000 for all companies

	 	 	 	 	 

	Business Needs
OptionTM (BNOTM)*
	 	 	 	 	 

	 	 	Benefit	 	• Permits future purchases of additional insurance on the life of business owner insureds without providing medical evidence of insurability according to specific trigger dates and the business valuation formula. The amount the policy owner must purchase on each BNO option date is the lesser of the BNO option amount purchased or the amount defined by the business formula.

	 	 	 	 	 

	 	 	Issue Ages:	 	30—60 (no ratings)

	 	 	 	 	 

	      Maximum Exercise Age: 70
	 	 	 	 	 

	 	 	Minimum:	 	$25,000 per BNO insured per option date.

	 	 	 	 	 

	 	 	Maximum:	 	The greater of 25% of the BNO insured’s original face under all covered policy(s) combined or a total of $250,000 per BNO insured per option date. There is a lifetime maximum of $2,000,000 for all amounts exercised per BNO insured.

	 	 	 	 	 

	 	 	Note:	 	Not available with ATR or GIO.

	 	 	 	 	 

	Guaranteed Insurability Option (GIO)
	 	 	 	 	 

	 	 	Benefit:	 	• Permits future purchases without evidence of insurability.

	 	 	 	 	 

	 	 	Minimum:	 	$1,000
           Maximum:
      See below

	 	 	 	 	 







	 	 	 	 	 
	Issue Age	 	Lesser of Face Amount of Base Policy or	 	Option Ages
	 
	0-24
	 	$25,000	 	25, 28, 31, 34, 37 & 40
	25-27
	 	$30,000	 	28, 31, 34, 37 & 40
	28-30
	 	$35,000	 	31, 34, 37 & 40
	31-33
	 	$40,000	 	34, 37 & 40
	34-36
	 	$45,000	 	37 & 40






	 	 	 	 	 	 	 	 	 
	 	 	Note:	 	Not available with ATR or BNO.
	 	* Subject to state approval and policy provisions.






 









 






Schedule VI




Reinsurance Specifications




Sample Statement Specifications



The
following information should appear on each Statement and Inforce listing:





	 	•	 	Name of the Insured(s)
	 
	 	•	 	Date of Birth of the Insured(s)
	 
	 	•	 	The Issue Age of each Insured(s)
	 
	 	•	 	The Sex of the Insured(s)
	 
	 	•	 	The Insured(s) Country of Residence
	 
	 	•	 	Underwriting Classification (i.e. Preferred, Standard, etc.)
	 
	 	•	 	Smoking Class (i.e. Smoker, Non Smoker, etc.)
	 
	 	•	 	Indication if Business is Facultative or Automatic
	 
	 	•	 	Indication if Business is Risk Premium or Coinsurance
	 
	 	•	 	Policy Number(s)
	 
	 	•	 	Plan Code(s) / Kind Code(s): Cession Series
	 
	 	•	 	Original Face Amount of the Policy(s)
	 
	 	•	 	Amount(s) Ceded to the Reinsurer
	 
	 	•	 	Amount of Premium being Paid; separated for Supplementary Benefits.
	 
	 	•	 	The Amount of any Reinsurance Premium Allowances
	 
	 	•	 	Any Extra Premiums concerned. Example: $5 / 1000 / 5 YRS
	 
	 	•	 	Effective Date and Duration of any Policy(s) Change, Reissue, or Termination




03/06/98


32









 





Schedule VII




Reinsurance Specificatios




Sample Policy Exhibit




	 	 	 	 	 	 	 	 	 
	Policy Summary	 	Number of	 	Reinsurance
	Classification	 	Policies	 	Amount
	Inforce as of Last Report
	 	 	878	 	 	$	410,220,973.00	 
	 
	 	 	 	 	 	 	 	 
	New Issues
	 	 	2	 	 	$	516,666.00	 
	Reinstatements
	 	 	3	 	 	$	483,334.00	 
	Increases
	 	 	 	 	 	$	500,000.00	 
	Decreases — Still Inforce
	 	 	 	 	 	$	133,332.00	 
	Rollover — In
	 	 	0	 	 	$	0.00	 
	 
	 	 	 	 	 	 	 	 
	Deduct By:
	 	 	 	 	 	 	 	 
	
Death
	 	 	0	 	 	$	0.00	 
	Surrender
	 	 	1	 	 	$	250,000.00	 
	Lapse
	 	 	4	 	 	$	1,000,001.00	 
	Conversion — Out
	 	 	0	 	 	$	0.00	 
	Decreases — Termination
	 	 	3	 	 	$	299,999.00	 
	Inactive — Pending
	 	 	0	 	 	$	0.00	 
	Not Taken
	 	 	0	 	 	$	0.00	 
	 
	 	 	 	 	 	 	 	 
	Inforce as of Current Report
	 	 	875	 	 	$	410,037,641.00	 






33









 






Schedule VIII




Definitions



Assume - To accept or take over a risk, the converse of cede.



Automatic Reinsurance - A reinsurance agreement under which the Reinsurer is obligated to accept
or assume risks which meet certain specific criteria based on the Ceding Company’s underwriting.



Binding Limit - The amount of risk over the Ceding Company’s retention, which can be ceded
automatically if all automatic conditions are met.



Cash Value - The amount of money which the policy owner will receive as a refund if the policy
owner cancels the coverage and returns the policy to the company.



Cede - to transfer an insurance risk from the company originally issuing the policy to another
insurance company known as the Reinsurer.



Ceding Company - A ceding insurer is an insurer which underwrites and issues an
original, principal policy to an insured and contractually transfers (cedes) a portion of the risk
to the Reinsurer. A ceding Reinsurer is a Reinsurer which transfers (cedes) a
portion of the underlying reinsurance to a retrocessionnaire.



Ceding Company’s Published Term Conversion Guidelines



Ceding Company’s Standard Guidelines



Coinsurance - Indemnity life reinsurance under which the reserves as well as the risk are
transferred to the Reinsurer; the Ceding Company retains its liability to the contractual
relationship with the insured. Under the Coinsurance method, the Ceding Company will pay the
Reinsurer a proportionate part of the premiums it receives. In return, the Reinsurer agrees to pay
the Ceding company a proportionate part of the claim and participate in all other policy benefits
explicity stated in this Agreement.



Conditional Receipt - A provision included in some life insurance policies providing coverage from
the date of the application to the date at which the policy is either issued or declined.



Excess Reinsurance - A form of reinsurance under which recoveries are available when a given loss
exceeds the Ceding Company’s retention (excess of loss reinsurance) defined in this Agreement.



Extra Contractual Obligations (ECO) - A generic term that, when used in a reinsurance agreement,
refers to damages awarded by a court against an insurer which are outside the provisions of the
insurance policy, due to the insurer’s bad faith, fraud or gross negligence in the handling of a
claim.



Facultative - Reinsurance under which the Ceding Company has the option (faculty) of submitting and
the Reinsurer has the option of accepting or declining individual risks. This agreement merely
reflects how individual facultative reinsurance will be handled.



Flat Extra Premium - A method for rating substandard risks used when the extra risk is considered
to be constant. The underwriter assesses a specific extra premium for each $1,000 of insurance.
Flat extra ratings usually apply to applicants in hazardous occupations or avocations, aviation, or
with certain physical impairments of a temporary nature.





34









 








Schedule VIII




Definitions (Continued)



Indexing - The adjustment of the Ceding Company’s retention and the reinsurance limit by a measure
of inflation such as the Consumer Price Index.



Jumbo Limit - The limit placed on an amount of coverage that may be inforce, or applied for in all
companies, on an individual life for automatic reinsurance purposes. If such insurance exceeds the
limit, the Ceding Company must submit the risk to the Reinsurer for facultative review.



Minimum Reinsurance Amount - The smallest cession that the Reinsurer will accept automatically. The
minimum size is set to avoid the expenses associated with small cessions.



Original Policy(s) - Insurance contracts between the Original Company and the Insured(s).



Policy Reserve - A liability account that identifies the amount of assets that, together with the
future premiums to be received from inforce policies, is expected to be sufficient to pay future
claims on those inforce policies. Also called a legal reserve or a statutory reserve.



Premium - (Written/Unearned/Earned) - Written premium is premium registered on
the books of an insurer or Reinsurer at the time a policy is issued and paid. Premium for a future
exposure period is said to be unearned premium. For an individual policy,
written premium minus unearned premium equals earned premium. Earned premium is
income for the accounting period while unearned premium will be income in a future accounting
period.



Punitive Damages - A term that, when used in reinsurance agreements, refers to damages awarded by a
court against an insured or against an insurer in addition to compensatory damages. Punitive
damages are intended to punish the insured or the insurer for willful and careless misconduct and
to serve as a deterrent. When the award is against an insurer, it is usually related to the conduct
of the insurer in the handling of a claim.



Quota Share - A form of reinsurance in which premiums and losses are shared proportionately between
the Ceding Company and the Reinsurer, in which the same percentage applies to all policies
reinsured.



Rate - The premium rate is the amount of premium charged per exposure unit, e.g. per $1,000.



Reinsurer - A company which contractually assumes all or part of the Ceding Company’s risk.



Retention - The dollar amount or percentage of each loss retained by the Ceding Company under this
reinsurance agreement. The Ceding Company’s retention is not reinsured in any way.



Risk - Insurance on an individual life.





35









 








Schedule VIII




Definitions (Continued)



Self Administration - A reinsurance arrangement where the Ceding Company provides the Reinsurer
with periodic reports for reinsurance ceded giving premium, inforce, reserve, and any other
information required by the Reinsurer for its financial reports. Self Administration is also known
as Bulk or Bordereaux.



Standard Guidelines - The underwriting guidelines intended to be applied to all applications for
insurances of the type(s) reinsured under this agreement.



Substandard Risks - Those insureds who, under the terms of the Ceding Company’s standard
guidelines, do not meet the criteria for issuance at standard premium rates.



Substandard Table Extra - Substandard table extra ratings usually apply to physically impaired
lives. The rates will be increased by a factor as shown in Schedule I for each table of additional
mortality.



Sum at Risk or Net Amount at Risk - The excess of the death benefit of a policy over the policy
reserve.



Termination - The formal ending of a reinsurance agreement by its natural expiry, cancellation or
commutation by both parties. Terminations can be either on a cutoff or runoff basis. Under cutoff
provisions, the parties’ obligations are fixed as of the agreed cutoff date. Otherwise, obligations
incurred while the agreement was inforce are run off to their natural extinction.




36









 








3028-00-01




AMENDMENT




to the




COINSURANCE REINSURANCE AGREEMENT Effective January 1, 1998




between




SAFECO LIFE INSURANCE COMPANY, Seattle, Washington

(hereinafter called the “Ceding Company”)




and




RGA REINSURANCE COMPANY, St. Louis, Missouri

(hereinafter called the “Reinsurer”)




This Amendment is Effective January 1, 2000.





	I.	 	CANCELLATION OF NEW BUSINESS FOR THE EXPERT SERIES 5 YEAR LEVEL TERM
	 
	 	 	Effective April 9, 2000, the Ceding Company will no longer cede and the Reinsurer will no longer
accept new business under this Agreement for the Expert Series 5 Year Level Term Plan.
	 
	 	 	Reinsurance in force under Agreement 3028-00-00 for the Expert Series 5 Year Level Term Plan will
continue to be governed by the terms and conditions of this Agreement until the termination or
expiration of all such reinsurance.
	 
	II.	 	RESERVES
	 
	 	 	Effective for new business issued on and after January 1, 2000, the reserve requirements in
Schedule I (Reserves, Article VII) of this Agreement are hereby revised and replaced by the
following:
	 
	 	 	“The Ceding Company agrees to post on its books any deficiency reserves on the coverage reinsured
under this Agreement.
	 
	 	 	The Reinsurer will be responsible for calculating and holding basic and deficiency reserves on its
share of the business under the Valuation of Life Insurance Policies Model Regulation, commonly
known as Guideline XXX. The Reinsurer’s X-Factors may differ from those of the Ceding Company.
	 
	III.	 	RETENTION
	 
	 	 	Effective January 1, 2000, Schedule II, Retention (Eff. 1/1/98) is hereby revised and replaced by
the attached Schedule II, Retention (Eff. 1/1/00), which now reflects the new retention level for
the Expert Series 20 Year Level Term Plan.
	 
	IV.	 	ALLOWANCES
	 
	 	 	Effective for new business issued on and after January 1, 2000, the allowances in the Schedule IV,
Reinsurance Premiums (Eff. 1/1/98) cover pages for the Expert Series Plans are hereby revised and
replaced by the allowances in the attached Schedule IV, Reinsurance Premiums cover pages.




1









 












	V.	 	LIMITS
	 
	 	 	Effective January 1, 2000, Schedule V, Limits (Eff. 1/1/98) is hereby revised and replaced by the
attached Schedule V, Limits (Eff. 1/1/00), which now reflects the new limits for the Expert Series
20 Year Level Term Plan.
	 
	VI.	 	All provisions of the Coinsurance Reinsurance Agreement not specifically modified herein remain
unchanged.





IN WITNESS WHEREOF, both parties have executed this Amendment in duplicate as follows:




SAFECO LIFE INSURANCE COMPANY




	 	 	 	 	 	 	 	 	 	 	 	 	 
	 

	 	By:
	 	/s/ Jennifer Davies
 

	 	 	 	By:
	 	/s/ Jon David Parker
 

	 	 
	 

	 	Title:
	 	Vice President
	 	 	 	Title:
	 	Actuary	 	 
	 

	 	 	 	 
	 	 	 	 	 	 	 	 
	 

	 	Date:
	 	6/19/02
	 	 	 	Date:
	 	6/19/02	 	 
	 

	 	 	 	 
	 	 	 	 	 	 	 	 





RGA REINSURANCE COMPANY




	 	 	 	 	 	 	 
	 

	 	By:

Title:
	 	/s/ Larry Shorey
 

Vice President
	 	 
	 

	 	Date:
	 	4/20/01	 	 
	 

	 	 	 	 	 	 





2









 





Schedule II - Retention




Effective January 1, 2000



For the Expert Series 5 Year, 10 Year and 15 Year Level Term Plans:



The Ceding Company will retain 50% of each risk up to a maximum retention of $500,000 per any one
insured.



For the Expert Series 20 Year Level Term Plan:



The Ceding Company will retain 20% of each risk up to a maximum retention of $500,000 per any one
insured.





3










 





Schedule iv — Reinsurance Premiums




Effective
January 1, 2000







Life:







COINSURANCE:




Business Covered, as shown in Schedule III will be reinsured on a coinsurance basis. Reinsurance
premiums will be determined according to the amount reinsured with the Reinsurer per insured life
as follows. The life reinsurance premium will be calculated in the case of life risks, by
multiplying the appropriate life premium rate, from the Rate Tables labeled below, for the age of
the insured, at the beginning of the policy year, by the amount at risk reinsured for that policy
year, less the applicable allowance as shown below. The same procedure will apply for single
premium policies and for paid up policies.



	                                                       
	 	 	 	 	 	 	 	 	 	 	 	 	 
	Plan(s)	 	Rate Table	 	Year 1	 	Years 2+
	Expert Series 5 Year Level Term
	 	 	S-1	 	 	 	[***]	 	 	 	[***]	 
	Expert Series 10 Year Level Term (Fully Guaranteed)
	 	 	S-2	 	 	 	[***]	 	 	 	[***]	 
	Expert Series 15 Year Level Term (Fully Guaranteed)
	 	 	S-3	 	 	 	[***]	 	 	 	[***]	 
	Expert Series 20 Year Level Term (Fully Guaranteed)
	 	 	S-4	 	 	 	[***]	 	 	 	[***]	 
	                                                        







The rates for ages 15 to 19 are the same rates that apply to age 20.




Prior to April 29, 2000, the Reinsurer will accept both low and high band policies issued by the
Ceding Company under the Expert Series 5, 10, 15 and 20 Year Level Term Plans. Effective April 29,
2000, the Reinsurer will no longer accept high band policies (policies that are $400,000 or
greater) from the Ceding Company.




If the Ceding Company has the right to increase the rates charged the insured, the Reinsurer will
also have the right to increase rates accordingly.




A policy fee of [***] will apply in all years. The Reinsurer will receive its participation
percentage as shown in Schedule V of the applicable policy fee. The above allowances will also
apply to the policy fee.







Substandard Premiums:








Substandard Table Extra




Premiums will be increased by any (flat) extra premium or substandard premium charged the insured
on the face amount initially reinsured. For substandard table ratings, premiums will be increased
by the following percent per table:




[***]



Flat Extra Premiums




The premium will be increased by any flat extra premium charged the insured on the face amount
initially reinsured, less total allowances as shown below:



	                                                       
	 	 	 	 	 
	First Year Permanent Payable	 	First Year Temporary	 	 
	6 Years or More:	 	Payable 1 - 5 Years:	 	Renewal:
	[***]
	 	[***]	 	[***]
	                                                        





 




Portions
marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corp., this information has
been filed separately with the Securities and Exchange Commission.




 









 






Schedule iv — Reinsurance Premiums (Continued)







Supplemental Benefits:









Accidental Death Benefit(ADB):




The premium to be paid for reinsurance of Accidental Death Benefit will be [***] per $1000 of
coverage.




Accelerated Benefit Option (ABO):




There are no charges for these benefits.




Additional Term Rider (ATR):




Select and Preferred classes are available for the Additional Term Rider.

(Base Rates + [***]) x Base Allowances




Business Needs Option:




The Ceding Company shall retain all premium collected under this rider. However, upon exercise of
the associated option, the Ceding Company shall pay the Reinsurer the single premium based on the
rates in Rate Table S-7.




Guaranteed Insurability Option:




The Ceding Company shall retain all premium collected under this rider. However, upon exercise of
the associated option, the Ceding Company shall pay the Reinsurer the single premium based on the
rates in Rate Table S-7.




Insured Children’s Benefit (ICB):




The Ceding Company shall retain all premium and risk associated with this benefit.




Safety and Transportation Benefits:




This
rider will pay an additional amount, if death occurs due to an automobile accident and/or
during travel. Otherwise, there are no charges for these benefits.




Waiver of Premium:




The premium to be paid for reinsurance of Waiver of Premium benefits will be based on the Rate
Table labeled S-5, less [***] allowance in the first year and [***] allowance in renewal years.







Re-Entry’s:









In the event of re-entry in accordance with the Ceding Company’s rules, the fully underwritten
policy will be treated as new business, commencing with first year allowances.



 






Portions
marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corp., this information has
been filed separately with the Securities and Exchange Commission.




 









 





Schedule iv — Reinsurance Premiums (Continued)







Conversions or Exchanges:








Routine conversions and exchanges shall terminate reinsurance of the converted or exchanged
policies under this Agreement.




However, should the Ceding Company institute a special program to encourage or reward conversions
or exchanges, and any business covered under this Agreement subsequently converts or exchanges to
any other plan, the following shall apply:




If the new plan is reinsured by the Reinsurer, then such business will be reinsured at the rates as
shown in the Agreement covering the new plan. Rates and allowances, or pay percentages, applicable
to the new plan will be determined at point in scale based on the original policy that is being
converted or exchanged. If the Agreement including the new rates requires policy fees, then they
will also apply to the new plan.




If the new plan is not reinsured with the Reinsurer, then such business will be reinsured with the
Reinsurer, at the rates as shown below. Rates will be determined at point in scale, based on the
original policy that is being converted or exchanged.



Rate Table S-6



04/19/01

6









 





Schedule V — Limits 




Effective January 1, 2000







Reinsurer’s
Share :







See Binding Limits







Age Limits:








	 	 	 
	Plan	 	Ages
	Expert Series 5 Year Level Term
	 	15 - 75
	Expert Series 10 Year Level Term
	 	15 - 75
	Expert Series 15 Year Level Term
	 	15 - 65
	Expert Series 20 Year Level Term
	 	15 - 60








Minimum Reinsurance Amount:








$100,000 (i.e. no reinsurance unless face amount is at least ($100,000)







Binding Limits :








For the Expert Series 5, 10 and 15 Year Level Term Plans:



Reinsurance shall be divided equally between the Reinsurer and the Ceding Company on a first dollar
quota-share basis, up to the limits as shown below. In addition, amounts in excess of these limits
will be reinsured by the Reinsurer as described below.




	 	 	 	 	 
	Agreement Year :	 	To the Ceding Company :	 	To the Reinsurer:
	All Years
	 	$500,000
	 	$500,000





The Reinsurer shall receive the excess of $1,000,000, up to $4,500,000.




For the Expert Series 20 Year Level Term Plan:



The Ceding Company will retain 20% and the Reinsurer will receive 80% of each risk on a first
dollar quota-share basis, up to the limits as shown below. In addition, amounts in excess of these
limits will be reinsured by the Reinsurer as described below.




	 	 	 	 	 
	Agreement Year :	 	To the Ceding Company :	 	To the Reinsurer:
	All Years
	 	$500,000
	 	$2,000,000





The Reinsurer shall receive the excess of $2,500,000, up to $4,500,000.


04/19/01


7









 





Schedule V — Limits (Continued)







Jumbo Limit :








$25,000,000







Rider and Supplementary Benefits Description :








See Schedule V-1



 04/19/01

8









 





3028-00-02




AMENDMENT




to the




COINSURANCE REINSURANCE AGREEMENT Effective January 1, 1998




between




SAFECO LIFE INSURANCE COMPANY, Seattle, Washington

(hereinafter called the “Ceding Company”)




and




RGA REINSURANCE COMPANY, St. Louis, Missouri

(hereinafter called the “Reinsurer”)




This
Amendment is Effective January 1, 1998





	I.	 	CHANGE IN POLICY ADMINISTRATION AND PREMIUM ACCOUNTING
	 
	 	 	Effective January 1,1998, Schedule I, Reinsurance Specifications — Policy Administration and
Premium Accounting, Article X, Item 1, Accounting Period and Premium Due is hereby revised to show
“Annual premiums, reported Quarterly in Advance.
	 
	II.	 	CHANGE IN AGE LIMITS
	 
	 	 	Effective January 1, 1998, Schedule V, Limits is hereby revised and replaced by the attached
Schedule V, Limits to show that the age limits for the 5-Year Level Term, 10-Year Level Term,
15-Year Level Term and 20-Year Level Term Plans now include ages 15 to 19. The rates for ages 15 to
19 are the same rates that apply to age 20.
	 
	III.	 	All provisions of the Coinsurance Reinsurance Agreement not specifically modified herein
remain unchanged.




IN WITNESS WHEREOF, both parties have executed this Amendment in duplicate as follows:




SAFECO LIFE INSURANCE COMPANY




	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Jennifer Davies
 

	 	 	 	By:
	 	/s/ Jon David Parker
 

	 	 
	Title:

	 	Vice President
	 	 	 	Title:
	 	Actuary	 	 
	Date:

	 	6/19/02
	 	 	 	Date:
	 	6/19/02	 	 
	                                                        






RGA REINSURANCE COMPANY




	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Larry Shorey
	 	 	 	 	 	 	 	 
	Title:

	 	Vice President	 	 	 	 	 	 	 	 
	Date:

	 	4/20/01	 	 	 	 	 	 	 	 
	                                                        




04/19/01


 









 





Schedule V — Limits 




Effective January 1, 1998







Reinsurer’s Share :








See Binding Limits







Age Limits :








	 	 	 
	        Plan	 	Ages 
	5 Year Level Term
	 	15 - 75
	10 Year Level Term
	 	15 - 75
	15 Year Level Term
	 	15 - 65
	20 Year Level Term
	 	15 - 60








Binding Limits :








Reinsurance
shall be divided equally between the Reinsurer and the Ceding Company on a first dollar
quota-share basis, up to the limits as shown below. In addition, amounts in excess of these limits
will be reinsured by the Reinsurer as described below.




	 	 	 	 	 
	Agreement Year :	 	To the Ceding Company :	 	To the Reinsurer : 
	All Years
	 	$500,000	 	$500,000





The Reinsurer shall receive the excess of $1,000,000, up to $4,500,000.






Jumbo Limit :









$25,000,000







Rider and Supplementary Benefits Description :








See Schedule V-1



04/19/01

2









 





3028-00-04




AMENDMENT




to the




COINSURANCE REINSURANCE AGREEMENT Effective January 1, 1998




between




SAFECO LIFE INSURANCE COMPANY, Seattle, Washington

(hereinafter called the “Ceding Company”)




and




RGA REINSURANCE COMPANY, St. Louis, Missouri

(hereinafter called the “Reinsurer”)





	I.	 	The first paragraph of Schedule IV, Reinsurance Premiums in the original Agreement (eff 1/1/98)
and Amendment 3028-00-01 (eff. 1/1/00) is hereby revised and replaced with the following paragraph.
	 
	 	 	COINSURANCE:
	 
	 	 	Business Covered, as shown in Schedule III, will be reinsured on a coinsurance basis. The life
reinsurance premium will be calculated by multiplying the appropriate life premium rate, from the
attached Rate Table labeled below, times the face amount divided by 1000 times the Reinsurer’s
share of the face amount for that policy year. During the initial level period, the life premium
rate is based on the insured’s issue age. In subsequent policy years, the life premium rate is
based on the insured’s attained age. The Reinsurer shall pay expense allowances to the Ceding
Company equal to a percentage, as defined in the table below, of the life reinsurance premium
calculated above.
	 
	II.	 	All provisions of the Coinsurance Reinsurance Agreement not specifically modified herein remain
unchanged.




IN WITNESS WHEREOF, both parties have executed this Amendment in duplicate as follows:




SAFECO LIFE INSURANCE COMPANY




	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Jennifer Davies
	 	 	 	By:
	 	/s/ Jon David Parker
 

	 	 
	Title:

	 	Vice President
	 	 	 	Title:
	 	Actuary	 	 
	Date:

	 	9/23/02
	 	 	 	Date:
	 	9/23/02	 	 
	                                                        







RGA REINSURANCE COMPANY





	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Larry Shorey
	 	 	 	 	 	 	 	 
	Title:

	 	Vice President	 	 	 	 	 	 	 	 
	Date:

	 	8/28/02	 	 	 	 	 	 	 	 
	                                                        




08/26/02


1









 





3028-01-00




ADDENDUM




to the




COINSURANCE REINSURANCE AGREEMENT Effective January 1, 1998




between




SAFECO LIFE INSURANCE COMPANY, Seattle, Washington

(hereinafter called the “Ceding Company”)




and




RGA REINSURANCE COMPANY, St. Louis, Missouri

(hereinafter called the “Reinsurer”)





	I.	 	ALLOWANCES-EXPERT SERIES PLANS
	 
	 	 	Effective for new business issued on or after January 1, 2001, the allowances for the Expert Series
Plans are hereby revised. The attached Schedule IV, Reinsurance Premiums cover pages are hereby
added to this Agreement and now include the revised allowances.
	 
	II.	 	ADDITION OF DOUBLE YOUR COVERAGE PROGRAM
	 
	 	 	Effective February 1, 2002, the attached Schedule III, Business Covered is hereby added to this
Agreement which now includes the Double Your Coverage Program for the Expert Series 10 Year, 15
Year, and 20 Year Level Term plans. The Double Your Coverage Program will terminate on November 30,
2002.
	 
	III.	 	RETENTION
	 
	 	 	The retention (Schedule II, Retention (Eff. 1/1/00)) for the Double Your Coverage Program will
remain the same as in amendment 3028-00-01.
	 
	IV.	 	The rate basis (Schedule IV, Reinsurance Premiums) for the above program is as shown in the
attached cover pages.
	 
	V.	 	LIMITS
	 
	 	 	The limits (Schedule V, Limits) for the above program are the same as that for other plans in this
Agreement (3028-00-01). The maximum is $250,000 for Double Your Coverage.
	 
	VI.	 	EXHIBIT A TERMS FOR ADDITIONAL COVERAGE
	 
	 	 	Effective February 1, 2002, Exhibit A (Terms for Additional Coverage) is hereby added to this
Agreement.




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1









 






	VII.	 	All provisions of the Coinsurance Reinsurance Agreement not specifically modified herein
remain unchanged. 


IN WITNESS WHEREOF, both parties have executed this Addendum in duplicate as
follows:






SAFECO
LIFE INSURANCE COMPANY






	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Jennifer Davies
	 	 	 	By:
	 	/s/ Jon David Parker
 

	 	 
	Title:

	 	Vice President
	 	 	 	Title:
	 	Sr. Actuary & AVP	 	 
	Date:

	 	8/12/03
	 	 	 	Date:
	 	8/12/03	 	 
	                                                        






RGA REINSURANCE COMPANY




	                                                       
	 	 	 	 	 	 	 	 	 	 	 
	By:

	 	/s/ Larry Shorey
	 	 	 	 	 	 	 	 
	Title:

	 	Vice President	 	 	 	 	 	 	 	 
	Date:

	 	7/30/03	 	 	 	 	 	 	 	 
	                                                        




07/07/03


2









 





Schedule III
Business Covered




Effective February 1, 2002-November 30, 2002




Double Your Coverage Program for the Expert Series:




10 Year Level Term

15 Year Level Term

20 Year Level Term



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3









 





Schedule IV — Reinsurance Premiums




Effective February 1, 2002





Life:




COINSURANCE:



Business Covered, as shown in Schedule III, will be reinsured on a coinsurance basis.
The life reinsurance premium will be calculated by multiplying the appropriate life premium rate,
from the attached Rate Table labeled below, times the face amount divided by 1000 times the Reinsurer’s
share of the face amount for that policy year. During the initial level period, the life premium rate is
based on the insured’s issue age. In subsequent policy years, the life premium rate is based on the
insured’s attained age. The Reinsurer shall pay expense allowances to the Ceding Company equal to a
percentage, as defined in the table below, of the life reinsurance premium calculated above.




Allowances
for Fully Underwritten New Business Effective January 1, 2001



	                                                       
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Initial	 	Rate	 	 	 	 	 	 	 	 
	 	 	Level	 	Guarantee	 	 	 	 	 	 	 	 
	 	 	Period	 	Period	 	Rate	 	Underwriting	 	Year	 	Years
	Plan(s)	 	(Years)	 	(Years)	 	Table	 	Class	 	1	 	2 ±
	Expert Series 10 Year
	 	 	10	 	 	 	10	 	 	 	S-2	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	10	 	 	 	10	 	 	 	 	 	 	Preferred Nonsmoker	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	10	 	 	 	10	 	 	 	 	 	 	Standard Nonsmoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	10	 	 	 	10	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	10	 	 	 	10	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	Expert Series 15 Year
	 	 	15	 	 	 	15	 	 	 	S-3	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	15	 	 	 	15	 	 	 	 	 	 	Preferred Nonsmoker	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	15	 	 	 	15	 	 	 	 	 	 	Standard	 	 	[***]	 	 	 	[***]	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	Nonsmoker	 	 	 	 	 	 	 	 
	 
	 	 	15	 	 	 	15	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	15	 	 	 	15	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	Expert Series 20 Year
	 	 	20	 	 	 	20	 	 	 	S-4	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	20	 	 	 	20	 	 	 	 	 	 	Preferred	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	 	 	 	 	 	 	 	 	 	 	 	Nonsmoker	 	 	 	 	 	 	 	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Standard Nonsmoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	                                                        






 





Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed
separately with the Securities and Exchange Commission.





4









 





Schedule
IV — Reinsurance Premiums (continued)




Allowances for the Double Your Coverage Program Effective February 1, 2002




	                                                       
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Initial	 	Rate	 	 	 	 	 	 	 	 
	 	 	Level	 	Guarantee	 	 	 	 	 	 	 	 
	 	 	Period	 	Period	 	Rate	 	Underwriting	 	Year	 	Years
	Plan(s)	 	(Years)	 	(Years)	 	Table	 	Class	 	1	 	2 ±
	Expert Series 10 Year
	 	 	10	 	 	 	10	 	 	 	S-2	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	10	 	 	 	10	 	 	 	 	 	 	Preferred Nonsmoker	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	10	 	 	 	10	 	 	 	 	 	 	Standard Nonsmoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	10	 	 	 	10	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	10	 	 	 	10	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	Expert Series 15 Year
	 	 	15	 	 	 	15	 	 	 	S-3	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	15	 	 	 	15	 	 	 	 	 	 	Preferred Nonsmoker	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	15	 	 	 	15	 	 	 	 	 	 	Standard	 	 	[***]	 	 	 	[***]	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	Nonsmoker	 	 	 	 	 	 	 	 
	 
	 	 	15	 	 	 	15	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	15	 	 	 	15	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	Expert Series 20 Year
	 	 	20	 	 	 	20	 	 	 	S-4	 	 	Select Nonsmoker	 	 	[***]	 	 	 	[***]	 
	Level Term


	 	 	20	 	 	 	20	 	 	 	 	 	 	Preferred	 	 	[***]	 	 	 	[***]	 
	(Fully Guaranteed)
	 	 	 	 	 	 	 	 	 	 	 	 	 	Nonsmoker	 	 	 	 	 	 	 	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Standard Nonsmoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Preferred Smoker	 	 	[***]	 	 	 	[***]	 
	 
	 	 	20	 	 	 	20	 	 	 	 	 	 	Standard Smoker	 	 	[***]	 	 	 	[***]	 
	                                                        






The rates for ages 15 to 19 are the same rates that apply to age 20.



Reinsurance premiums will be on an age last birthday basis.



Prior to April 29, 2000, the Reinsurer will accept both low and high band policies issued by
the Ceding Company under the Expert Series 10, 15 and 20 Year Level Term Plans. Effective
April 29, 2000, the Reinsurer will no longer accept high band policies (policies that are
$400,000 or greater) from the Ceding Company.



The Reinsurer will share a proportional amount of the [***] policy fee and pay a [***]
allowance on policy fees in all years.



No Premium Tax Reimbursement.



 




Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp., this information has been filed separately with the Securities and
Exchange Commission.





5









 





Terms for Additional Coverage



Safeco is offering their existing policyholders a limited opportunity to buy additional insurance with simplified underwriting. The terms and conditions for the program are outlined below.





	 	•	 	The new coverage must be purchased within two years of the issue date of the original policy.
	 
	 	•	 	The face amount of the new policy must be less than or equal to the original policy, and the amount of new coverage cannot exceed $250,000.
	 
	 	•	 	The insured must be a Preferred or Standard risk.
	 
	 	•	 	The insured cannot be more than 70 years old
	 
	 	•	 	The underwriting will include an MIB, an application, and the attached short form questions.
	 
	 	•	 	The new policy will be issued at rates based on the insured’s current attained age.
	 
	 	•	 	The program will only be available February 1, 2002 through November 30, 2002.




07/07/03


6