EX-10.22



 Exhibit 10.22 

THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A REQUEST FOR
CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
 AMENDMENT
NO. 2 
 TO THE 

AUTOMATIC REINSURANCE AGREEMENT 

EFFECTIVE DECEMBER 31, 2007 

BETWEEN 
 OM FINANCIAL
LIFE INSURANCE COMPANY 
 AND 

WILTON REASSURANCE COMPANY 
 THIS
AMENDMENT NO. 2 (this “Amendment No. 2”) is made and entered into as of this 6th day of April, 2011, and amends and is made a part of the Automatic Reinsurance Agreement, originally effective December 31, 2007 (as
amended, the “Reinsurance Agreement”), between OM Financial Life Insurance Company, a Maryland insurance company (the “Ceding Company”), and Wilton Reassurance Company, a Minnesota insurance company (the
“Reinsurer”). 
 WHEREAS, pursuant to the Reinsurance Agreement, the Ceding Company automatically cedes to the
Reinsurer the Quota Share (as defined in the Reinsurance Agreement) of the Ceding Company’s contractual liabilities arising out of the Reinsured Policies (as defined in the Reinsurance Agreement); and 

WHEREAS, Harbinger OM, LLC, a Delaware limited liability company (“Harbinger”) will acquire or has acquired (the
“Acquisition”) control and 100% ownership of all of the common stock of Old Mutual U.S. Life Holdings, Inc., a Delaware corporation and the parent company with respect to the Ceding Company; and 

WHEREAS, in connection with the completion of the Acquisition and pursuant to the terms of the Commitment Agreement, dated as of
January 26, 2011, by and between Harbinger and Wilton Re U.S. Holdings, Inc., a Delaware corporation (the “Commitment Agreement”), the Ceding Company and the Reinsurer desire to amend the Reinsurance Agreement in the manner set
forth below to, among other things, include in the scope of the reinsurance provided thereunder risks and obligations with respect to certain additional blocks of insurance; 

NOW, THEREFORE, in consideration of the covenants, agreements, representations and warranties contained herein and in the Reinsurance
Agreement, the parties hereto agree as follows: 
 1. Definitions. Capitalized terms used but not defined in this Amendment
No. 2 shall have the respective meanings given to such terms in the Reinsurance Agreement. 
 2. Additional
Policies. Subject to the occurrence of the Second Amendment Closing Date in accordance with Section 3 hereof, effective as of April 1, 2011 (the “Second Amendment Effective Date”), the Ceding Company will
automatically cede to the Reinsurer the Second Amendment Quota Share (as hereinafter defined) of the Ceding Company’s contractual liabilities arising out of the Second Amendment Additional Policies (as hereinafter defined). For purposes of this
Amendment No. 2, (a) the term “Second Amendment Quota Share” means 100% and (b) the term “Second Amendment 

  
 1 








 
Additional Policies” means the (i) individual and non-discretionary group traditional life insurance policies and universal life insurance policies, together with related plans,
benefits, policy loans, riders and endorsements but excluding all return of premium or similar benefits, whether or not reflected in policy riders, endorsements or base provisions, all as specified on Annex A-1 hereto and as were first issued
by the Ceding Company on or before March 31, 2010 and remained in force and effect as of such date (the “Additional Direct Policies”) and (ii) individual life insurance policies (the “Additional Assumed Policies”)
reinsured by the Ceding Company under the terms of that certain Yearly Renewable Term Retrocession Agreement, dated as of April 1, 2003 by and between the Ceding Company and Security Life of Denver Insurance Company (“SLD”) (the
“ING Assumed Reinsurance Agreement”), provided, however, that, subject to Section 13 hereof, the Ceding Company represents and warrants as a condition of coverage of the Additional Direct Policies under the Reinsurance
Agreement, that the representations and warranties set forth in clauses (a) through (c) of Section 2.3 of the Reinsurance Agreement shall apply to the Additional Direct Policies, except that (x) the condition set forth in Section B.1 on Exhibit B of
the Reinsurance Agreement shall not apply and (y) with respect to clause (c)(ii) of Section 2.3 of the Reinsurance Agreement, the phrase “worksite marketing” shall be deleted for purposes of such representation and warranty as it relates
to the Additional Direct Policies. For the avoidance of doubt, with respect to the Second Amendment Additional Policies identified in Annex A-1 as reinsured by “Raven & Wilton” the reinsurance hereunder shall be net of the quota
share portion specified therein (the “Excluded Share”). It is expected that such Excluded Share will be reinsured under the Reinsurance Agreement, dated as of April 7, 2011 between the Ceding Company and Raven Reinsurance Company
(“Raven Re”), and further, will be ceded to the Reinsurer in the future pursuant to Amendment No. 3 to the Reinsurance Agreement subject to the occurrence of the Third Amendment Closing Date (as such term is defined in such
Amendment No. 3). For the avoidance of doubt, Reinsurer shall have no risk under this Amendment No. 2 with respect to the Excluded Share, including, without limitation, any risk of collectability of the cession with regards thereto. The schedule of
plans, riders and benefits set forth in Annex A.1 shall remain subject to confirmation by the Reinsurer prior to the Second Amendment Closing Date (following completion of the validation review being conducted by the Reinsurer as of the date
hereof); provided, however, that any material changes to such Annex A.1 shall be subject to mutual agreement by the parties. For the sake of clarity, this reinsurance shall not cover claims arising under the Second Amendment Additional
Policies prior to the Second Amendment Effective Date and, as respects the Additional Direct Policies, excludes any return of premium or similar benefits or features, whether embodied in riders or endorsements or otherwise. Beginning on the Second
Amendment Effective Date, all references in the Reinsurance Agreement to Reinsured Policies shall include the Second Amendment Additional Policies except (I) as otherwise set forth in this Amendment No. 2 or as referenced in the first sentence of
Section 2.1 (General Conditions), Section 2.3 (Reinsured Policies) or the last sentence of Section 8.1 (Reserves) and (II) in respect of the Second Amendment Additional Policies, all references in the Reinsurance
Agreement to “Effective Time” and “Closing Date” shall instead refer to “Second Amendment Effective Date” and “Second Amendment Closing Date,” respectively. In addition, the parties agree and acknowledge that
the Ceding Company has not issued, and does not administer, the Additional Assumed Policies and, as a result, any provision of the Reinsurance Agreement that (A) requires the Ceding Company to take or refrain from taking any specific action
with respect to the Additional Assumed Policies or (B) whereby the Ceding Company makes any representation or warranty in connection with the issuance or administration of the Additional Assumed Policies, including without limitation Article 5
(Reductions, Terminations and Changes), Article 7 (Claims), Section 4.6 (Premiums Payable by Direct Policyholders on Reinsured Policies), Section 11.6 (Compliance) and Section 11.8 (Business Continuity), shall
not apply to the Additional Assumed Policies except to the extent that, as to the taking or refraining from taking any such actions from and after the Second Amendment Closing Date, the Ceding Company has a right under the 

  
 2 









 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION
HAS BEEN OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
  

 ING Assumed Reinsurance Agreement to cause such action to be taken or not taken or such conditions to exist
or not exist. The parties also agree that, notwithstanding any exclusions or exceptions to the Reinsurer’s liabilities under the terms of the Reinsurance Agreement generally, the Reinsurer shall be liable to, and shall indemnify, the Ceding
Company for the Second Amendment Quota Share of all of the Ceding Company’s liabilities for death claims occurring on or after the Second Amendment Effective Date and covered under the terms of the ING Assumed Reinsurance Agreement, including
without limitation the Ceding Company’s obligations to fund increases to the balance of the funds withheld account maintained by SLD pursuant to the terms of the ING Assumed Reinsurance Agreement, other than the Ceding Company’s continuing
obligations to fund increases solely as respects death claims occurring prior to the Second Amendment Effective Date. For purposes of this Amendment No. 2, fundings made by the Ceding Company to the funds withheld account maintained by SLD
pursuant to the terms of the ING Assumed Reinsurance Agreement after the date hereof in order to fund increases solely as respects death claims occurring prior to the Second Amendment Effective Date are referred to as the “Excluded
Balances.” 
 3. Second Amendment Closing Settlement Amount. In consideration for the reinsurance contemplated
hereunder, the Ceding Company will transfer to the Reinsurer, in accordance with the provisions set forth below in this Section 3, cash and specified cash-equivalent or other securities approved in advance by the Reinsurer with an aggregate
market value, including amounts of due and accrued investment income related thereto (the “Designated Value”), equal to the Second Amendment Quota Share of the following balances, each measured as of the Second Amendment Effective
Date unless otherwise provided: (a) statutory-basis reserves held for the Second Amendment Additional Policies (excluding reserves for claims in the course of settlement and claims that have been incurred but not reported for the Second
Amendment Additional Policies as of the Second Amendment Effective Date), minus (b) net premiums due or deferred with respect to the Second Amendment Additional Policies, minus (c) any policy loans outstanding on the Second
Amendment Additional Policies, net of any unearned policy loan interest on such loans but including related amounts of interest due and accrued plus or minus, as the case may be, (d) balances as agreed mutually by the parties
pertaining to Other Reinsurance that are not otherwise reflected in items (a), (b) or (c) above as to which risks are ceded hereunder, minus (e) the statutory book value on the books of SLD of amounts held by SLD on a funds
withheld basis pursuant to the terms of the ING Assumed Reinsurance Agreement (items (a), (b), (c), (d) and (e) taken together, the “Ceded Reserves”), plus or minus (f) the amount of any balance of interest
maintenance reserves associated with the Second Amendment Additional Policies, determined on a pre-tax basis and including any additional amounts of interest maintenance reserves required to be established or maintained in connection with the
completion of the transactions contemplated by this Amendment No. 2 (“IMR”) (provided, that in the case of existing IMR, but not in the case of additional IMR required to be established or maintained in connection with
the completion of the transactions contemplated by this Amendment No. 2, such amount shall not be less than zero), minus (g) a ceding allowance equal to $[***] (the “Second Amendment Ceding Allowance”) (such
aggregate Designated Value being referred to as the “Second Amendment Closing Settlement Amount”). For purposes of this Amendment No. 2, the term “Second Amendment Closing Date” means, subject to the
Termination Date, (A) the later to occur of (x) the second business day following the closing date of the Acquisition, (y) the first business day immediately following the completion of the recapture of the Second Amendment Additional
Policies reinsured by Old Mutual Reassurance (Ireland) Limited, or (z) the third 

  
 3 








 
business day following the satisfaction or waiver of each of the Second Amendment Conditions Precedent, or (B) such other date as the parties may mutually agree. The parties agree and
acknowledge that securities listed in Annex D hereto shall be deemed to satisfy the requirement hereunder and under Section 5(a) of the Commitment Agreement that securities used to fund the Second Amendment Closing Settlement Amount be
approved in advance by the Reinsurer. 
 (a) Provisional Settlement. Subject to Sections 5(d) and 5(e) of the Commitment
Agreement, on the Second Amendment Closing Date, the Ceding Company shall transfer to the Reinsurer cash and specified cash-equivalent or other securities approved in advance by the Reinsurer with an aggregate market value as of the business day
immediately preceding the Second Amendment Closing Date, including amounts of due and accrued investment income related thereto, equal to the Second Amendment Closing Settlement Amount as determined in good faith by the Ceding Company; provided that
such amount shall be determined as of December 31, 2010 based on the balances determined from the Ceding Company’s books and records and in accordance with statutory accounting principles prescribed generally by the State of Maryland
consistently applied, as adjusted to the extent required under Section 5(d) of the Commitment Agreement (the “Estimated Settlement Payment”). For the avoidance of doubt, any securities transferred as required in this paragraph
shall be valued as of the business day immediately preceding the Second Amendment Closing Date. The Estimated Settlement Payment shall be subject to adjustment as described below. The parties agree and acknowledge that the Settlement Notice
delivered by the Ceding Company pursuant to Section 5(a) of the Commitment Agreement shall have been prepared as of December 31, 2010. 

(b) Post-Closing Settlement. No later than forty five (45) days after the Second Amendment Closing Date, the Ceding Company shall
deliver to the Reinsurer a settlement notice (the “Post-Closing Settlement Notice”), which sets forth the Ceding Company’s good faith estimate of (i) the actual Second Amendment Closing Settlement Amount as determined in
good faith by the Ceding Company as of the Second Amendment Effective Date based on the balances determined from the Ceding Company’s books and records and in accordance with statutory accounting principles prescribed generally by the State of
Maryland consistently applied; provided that such calculation shall not be reduced by the amount of the Second Amendment Ceding Allowance (the “Actual Second Amendment Closing Settlement Amount”) and (ii) the Second
Amendment Ceding Allowance as adjusted in accordance with provisions of Annex E (the “Adjusted Ceding Allowance”). 
 The
Post-Closing Settlement Notice shall become final, binding and conclusive upon the Reinsurer and the Ceding Company on the sixtieth (60th) day following the Reinsurer’s receipt of the
Post-Closing Settlement Notice, unless prior to such sixtieth (60th) day the Reinsurer delivers to the Ceding Company a written notice (a “Dispute Notice”) stating that the
Reinsurer believes the Post-Closing Settlement Notice is incorrect and specifying in reasonable detail the basis for such assertion (each item addressed in such Dispute Notice, a “Disputed Item”), the amount in dispute for each
Disputed Item and the reasons supporting the Reinsurer’s positions. For the avoidance of doubt, the Reinsurer shall be afforded the access rights provided under Section 11.5 of the Reinsurance Agreement in connection with its review of the
Post-Closing Settlement Notice pursuant to this Section 3(b). 
 If the Reinsurer delivers a Dispute Notice, then the Ceding Company and the Reinsurer
shall seek in good faith to resolve the Disputed Items during the thirty (30)-day period beginning on the date the Ceding Company receives the Dispute Notice. If Ceding Company and the Reinsurer reach agreement with respect to any Disputed Items,
the Ceding Company shall revise the Post-Closing Settlement Notice to reflect such agreement. In the event the Ceding Company and the Reinsurer cannot resolve any Disputed Item, the Ceding Company and the Reinsurer shall resolve any such
disagreement in accordance with Article 17 (Arbitration) of the Reinsurance Agreement. 

  
 4 









 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION
HAS BEEN OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 
  

 Within five (5) business days after the Post-Closing Settlement Notice becomes final pursuant to the
provisions of this Section 3 
 (i) If (A) the final Actual Second Amendment Closing Settlement Amount less $[***] exceeds
(B) the Estimated Settlement Payment, the Ceding Company shall pay to the Reinsurer an amount equal to such excess, and if (A) the final Actual Second Amendment Closing Settlement Amount less $[***] is less than (B) the Estimated
Settlement Payment, the Reinsurer shall pay to the Ceding Company an amount equal to the shortfall; and 
 (ii) Without duplication in
respect of the foregoing, if (A) the final Adjusted Ceding Allowance exceeds $[***], the Reinsurer shall pay to the Ceding Company an amount equal to such excess, and if (B) the final Adjusted Ceding Allowance is less than $[***], the
Ceding Company shall pay to the Reinsurer an amount equal to the shortfall. 
 For the avoidance of doubt, in the event that both parties are required to
make payments pursuant to clauses (i) and (ii) above, the amounts due to be paid to either party shall be payable on a net basis. 

4. Commitment and Termination. Notwithstanding anything set forth in this Amendment No. 2 to the contrary, the
reinsurance provided hereunder will not become effective or valid and binding on either party and the Second Amendment Closing Date shall not occur unless the Second Amendment Conditions Precedent have been satisfied or waived as required under the
Commitment Agreement; provided, that without prejudice to any of its other rights or remedies, each of the Second Amendment Conditions Precedent may be waived in each case solely by the party that is the beneficiary of such Second Amendment
Condition Precedent, in whole or in part in such party’s sole discretion. Any such waiver shall be without prejudice to any other rights of such party. For the purposes of this Amendment No. 2, “Second Amendment Conditions
Precedent” means those Coinsurance Conditions, as such term is defined in the Commitment Agreement, that are conditions precedent to the occurrence of the Second Amendment Closing Date and that pertain to this Amendment No. 2. In the
event that the Second Amendment Closing Date shall have not occurred within sixty (60) days from the date hereof (such date, the “Termination Date”), the Reinsurer shall have no obligation or right to reinsure, and the Ceding
Company shall have no obligation or right to cede, the Second Amendment Additional Policies pursuant to this Amendment No. 2 and this Amendment No. 2 shall terminate and expire and no party shall have any further liability or obligation
hereunder other than as respects Article 18 (Confidentiality) of the Reinsurance Agreement, which provision shall continue to apply as to information provided with respect to the Second Amendment Additional Policies as fully as if the reinsurance
hereunder had been completed, provided, however, that any such termination or expiration shall not (a) release any party as respects any breach thereby of the terms of this Amendment No. 2 as shall have occurred prior to the Termination
Date or (b) relieve such breaching party of liability for such breach. Notwithstanding the foregoing, to the extent that the sole reason that the Second Amendment Closing Date has not occurred on or before the Termination Date is that one or
more Required Consents (as such term is defined in the Commitment Agreement) have not been obtained on or prior to such date, the Termination Date shall be extended for an additional thirty (30) days as necessary or appropriate to procure such
Required Consents. 

  
 5 








 5. Reinsurance Trust. If, as of the end of any calendar quarter following the
Second Amendment Closing Date, the Reinsurer fails to maintain an RBC Ratio of at least 200% (or, if and to the extent that the Reinsurer grants to any of its other ceding companies a financial impairment trigger at an RBC Ratio higher than 200% (a
“MFN Trigger”), if the Reinsurer fails to maintain an RBC Ratio of at least such higher percentage) (a “Security Event”), the Reinsurer shall provide additional security at its sole cost and expense for the
performance of its obligations under this Amendment No. 2, and shall promptly establish and as provided below thereafter maintain a trust account (“Trust Account”) with a mutually-agreed trustee that is a qualified United
States financial institution (as used in the Maryland insurance laws) and, subject to a mutually-agreed form of trust agreement which the Parties agree to negotiate in good faith (the “Trust Agreement”), secure the payment of
amounts due the Ceding Company under this Amendment No. 2 in accordance with the provisions of this Section 5 and the terms of the Trust Agreement. The Reinsurer shall pay into, and shall thereafter maintain in the Trust Account during the
pendency of such Security Event cash in United States currency and securities permitted under (a) the investment guidelines used by the Reinsurer for its general account investments and (b) applicable law in the Reinsurer’s state of
domicile having an aggregate then-current statutory book value calculated in accordance with statutory accounting principles applicable to the Reinsurer, consistently applied, equal to no less than 102% of the then-current Ceded Reserves, which
Trust Account balance the Reinsurer shall adjust on at least a quarterly basis. For purposes of the foregoing, the term “RBC Ratio” means as to any insurer the ratio, as of the date of determination, of an insurer’s
“total adjusted capital” over its “authorized control level” of risk-based capital as such terms are defined and prescribed by requirements promulgated by the National Association of Insurance Commissioners and
regulations adopted by the insurance regulatory authorities in the Reinsurer’s and the Ceding Company’s state of domicile which are in effect as of the date hereof, calculated as of the end of each calendar quarter, and using reserving
methodologies and asset classifications that are in accordance with generally accepted statutory accounting principles and practices required or permitted by the National Association of Insurance Commissioners and the insurance regulatory
authorities in the Reinsurer’s state of domicile, consistently applied throughout the specified period and in the immediately prior comparable period. The Reinsurer shall provide to the Ceding Company prompt written notice of any MFN Triggers
or Security Event. 
 6. Non-Guaranteed Elements. 

(a) “Non-Guaranteed Elements” means loads and expense charges, credited interest rates and dividends, if any, each as
applicable under the Second Amendment Additional Policies. 
 (b) The Ceding Company has provided to the Reinsurer as part of the Risk
Evaluation Materials full and complete copies of the following information and analyses related to the Additional Direct Policies, as applicable: (i) current and projected cost of reinsurance charges and other costs and charges for mortality
and administration of the Additional Direct Policies; (ii) current and projected interest credited rates; (iii) current and projected dividend scales; and (iv) a description of the actuarial, financial and other policies, guidelines
and methodologies used by the Ceding Company in determining over time the amounts in items (i), (ii) and (iii) above as well as any other of the Non-Guaranteed Elements, including without limitation financial or actuarial models used in
determining the Non-Guaranteed Elements and a full description of all regulatory or other commitments made by or applicable to the Ceding Company in respect of the Non-Guaranteed Elements (together, the “Company Guidelines”). For
the avoidance of doubt, notwithstanding anything in the Reinsurance Agreement to the contrary, including, without limitation, Section 11.3 of the Reinsurance Agreement, the Reinsurer shall be liable to, and shall indemnify, the Ceding Company
for the Second Amendment Quota Share of all of the Ceding Company’s liabilities incurred on or after the Second Amendment Effective Date for dividends 

  
 6 








 
paid or payable under the Additional Direct Policies. Consistent with the Company Guidelines, the Ceding Company shall at least quarterly re-evaluate experience with respect to the Additional
Direct Policies and, as warranted and subject to the other terms and provisions of this Amendment No. 2, shall, to the extent permissible under applicable law and the express terms of the Additional Direct Policies, adjust the Non-Guaranteed
Elements consistent with the Company Guidelines and as necessary or appropriate to reasonably reflect the results of such evaluation. Reinsurance premiums payable to, and benefits payable by, the Reinsurer under this Amendment No. 2
attributable to Additional Direct Policies shall be no less or more (as applicable) than the amounts thereof as would be determined based on consistent application of the Company Guidelines with such changes thereto as may be required under
applicable law and the express terms of such Additional Direct Policies, plus related fees, charges, renewal commission payments, reimbursements and similar amounts. Subject to the Reinsurer’s rights to approve in advance actions with respect
to the ING Assumed Reinsurance Agreement set forth in Section 7 hereof, the covenants set forth in this Section 6 shall apply as well to the Additional Assumed Polices to the extent that the Ceding Company has the right under the ING
Assumed Reinsurance Agreement to cause the adjustment of Non-Guaranteed Elements under such Additional Assumed Policies. 
 7.
ING Assumed Reinsurance Agreement. 
 (a) The Ceding Company represents and warrants that a true, correct and complete copy of
the ING Assumed Reinsurance Agreement has been provided to the Reinsurer in connection with the Reinsurer’s assessment of this reinsurance and that such agreement is in full force and effect and is enforceable against the Ceding Company, and to
the Ceding Company’s knowledge, against SLD, in accordance with its terms except that (i) such enforcement may be subject to applicable bankruptcy, insolvency or other similar laws, now or hereafter in effect, affecting creditors’
rights generally and (ii) the remedy of specific performance and injunctive and other forms of equitable relief may be subject to equitable defenses and to the discretion of the court before which any proceeding therefor may be brought. The
Reinsurer has been provided access to copies of all material correspondence that is in the possession of the Ceding Company concerning the ING Assumed Reinsurance Agreement, including without limitation correspondence with respect to (x) any
review of the Ceding Company’s underwriting, claims or administrative practices or procedures, (y) disputed or contested claims (direct or reinsurance) with respect to the business ceded thereunder, and (z) settlement payments made or
received with respect to the ING Assumed Reinsurance Agreement during the two years preceding the date hereof. 
 (b) As of the date hereof,
except as disclosed to the Reinsurer in writing, there has been no actual or threatened material breach or default by the Ceding Company, or to the knowledge of the Ceding Company, by SLD, under the terms of the ING Assumed Reinsurance Agreement, or
any claim of breach or default made by any party thereto, and, to the Ceding Company’s knowledge, no event has occurred which, with or without notice, the passage of time or both, would constitute a material default by the Ceding Company under
any provision thereof or that would otherwise limit or preclude the payment of further amounts thereunder. 
 (c) Subject to clause
(d) of this Section 7, the Ceding Company agrees that other than as provided expressly in this Amendment No. 2, it shall maintain in full force and effect the ING Assumed Reinsurance Agreement and shall perform fully each of its
obligations thereunder. The Ceding Company shall promptly notify the Reinsurer of any assertion of breach by the Ceding Company of any of its obligations under the ING Assumed Reinsurance Agreement and shall promptly take any such steps as may be
necessary or appropriate thereunder to cure any such breach. 

  
 7 








 (d) The Ceding Company may not modify, amend or terminate the ING Assumed Reinsurance Agreement
or waive any of its rights thereunder without the Reinsurer’s prior written consent and shall fully enforce all of its rights thereunder. At the Reinsurer’s instruction, the Ceding Company shall effect any such action with respect to the
management or administration of the ING Assumed Reinsurance Agreement as the Reinsurer shall reasonably request as may be available under or with respect to the terms of such agreement; provided, however, that the Reinsurer shall indemnify the
Ceding Company as respects its share of any loss and liability arising out of any such action so requested by the Reinsurer. 
 (e) The
Ceding Company agrees that it shall pursue commercially reasonable management and collection efforts with respect to amounts owing under or with respect to the ING Assumed Reinsurance Agreement and, in general, will manage the ING Assumed
Reinsurance Agreement in a manner which provides due care for the economic value reasonably anticipated by the Reinsurer with respect to the reinsurance provided hereby; provided, however, that the Reinsurer shall reimburse the Ceding
Company for all reasonable out of pocket costs with respect thereto and shall have the right to approve in advance incurral of any such reimbursable cost or expense in excess of $15,000. 

(f) The Ceding Company will notify the Reinsurer of any dispute, contest, compromise, litigation or arbitration of any matter involving the
ING Assumed Reinsurance Agreement. Once notified, the Reinsurer may undertake management of such proceeding, at its own cost. 
 (g)
Notwithstanding anything in this Amendment No. 2 to the contrary, including without limitation this Section 7, the Reinsurer agrees and acknowledges that SLD has certain rights of recapture under the ING Assumed Reinsurance Agreement, as
described in Section 12 below. 
 (h) As between the Ceding Company and the Reinsurer, the Reinsurer shall be entitled to all rights
and interests of the Ceding Company with respect to the funds withheld account maintained by SLD pursuant to the ING Assumed Reinsurance Agreement other than the Excluded Balances and any interest accrued thereon, and any such amounts released by
SLD to the Ceding Company from or paid with respect to such funds withheld account as part of any net settlement thereunder, including but not limited to amounts released in connection with any recapture thereunder as described in Section 12
below, shall be paid over to the Reinsurer in connection with the periodic settlements under the Reinsurance Agreement. 
 8. Other
Reinsurance. Unless specifically noted otherwise in this Amendment No. 2, the definition in the Reinsurance Agreement of “Other Reinsurance” shall, from and after the Second Amendment Effective Date, be revised to add
reinsurance ceded with respect to the Second Amendment Additional Policies under the terms of the ceded reinsurance agreements specified on Annex A-2 hereto; provided, that the parties acknowledge and agree that there are no Net
Retained Liabilities associated with the Second Amendment Additional Policies . For purposes of clarity, any cession to Old Mutual Reassurance (Ireland) Limited (“OM Re”) or Raven Re shall not constitute Other Reinsurance with
respect to the Second Amendment Additional Policies and the Reinsurer undertakes and assumes no risks as respects the collectability of any amounts due from OM Re or Raven Re, as the case may be, or any other affiliate or former affiliate of the
Ceding Company. The Ceding Company agrees and acknowledges that, pursuant to Section 11.4 of the Reinsurance Agreement, the Ceding Company shall notify the Reinsurer of any dispute, contest, compromise, litigation or arbitration of any matter
involving Other Reinsurance, and that once notified, the Reinsurer may undertake management of such proceeding. In the event the Reinsurer undertakes management of any such proceeding, the Ceding Company agrees to cooperate with the Reinsurer in all
reasonable respects in the Reinsurer’s efforts to obtain full economic performance of the Other Reinsurance. 

  
 8 








 9. Rights to Certain Information Prior to Second Amendment Closing Date. During any
period from and following the date hereof until the Second Amendment Closing Date, with respect to the Second Amendment Additional Policies, the Reinsurer shall be entitled to receive the information, reporting and access to records otherwise
provided with respect to Reinsured Policies under the terms of the Reinsurance Agreement, including, without limitation, the provisions of Section 11.5 and Exhibit E thereof, all subject to the non-disclosure obligations set forth in
Section 18 thereof. 
 10. Certain Reporting and Policy Administration Matters After Second Amendment Closing Date.

 (a) The parties acknowledge and agree that substantial new periodic reporting mechanisms may be required to address the proper and
timely management and administration of the reinsurance provided under this Amendment No. 2. More specifically, the parties acknowledge and agree that new monthly and quarterly reporting and analysis mechanisms and electronic interfaces will be
created by the parties with respect to business ceded under the terms of the ING Assumed Reinsurance and, with particularity, as respects such business on and after the Experience Refund Commencement Date and as to the identification and funding of
any Excluded Balances thereunder. The parties will use their respective commercially reasonable efforts to timely complete these additional reporting and analysis arrangements with the objective of full operational implementation within 180 days of
the Second Amendment Closing Date and, further, shall promptly after the Second Amendment Closing Date implement reasonable interim reporting and information access measures pending such completion. Subject to the foregoing, the parties acknowledge
the continuing effectiveness of the provisions of Exhibit E to the Reinsurance Agreement (Self-Administered Reporting) with respect to the Second Amendment Additional Policies. The expenses of the parties’ fulfillment of their obligations under
this Section 10(a) will be shared equally between the parties. 
 (b) Without limitation of the foregoing, to the extent legally
permissible, in order to enable the Reinsurer to comply with requirements applicable now or in the future to the Reinsurer with respect to maintaining, documenting, assessing and reporting of its internal controls over financial reporting (including
administrative services, investment management, information technology and related processes), the Reinsurer shall have reasonable access to audit opinions and internal control and internal audit reports, including, where applicable, Statement on
Auditing Standards (SAS) No. 70 reports (if produced), and reports produced by third-parties and others involved in the administration of the Second Amendment Additional Policies, in each case, only to the extent such opinions and reports
relate directly to the Second Amendment Additional Policies, and shall be given reasonable access to auditors, Ceding Company personnel and third-party administrators relative thereto. The Reinsurer shall bear any third-party out-of-pocket
incremental costs resulting from such access. The parties acknowledge and agree that subject to Section 11.5 of the Reinsurance Agreement, the Reinsurer shall have access to the periodic operating reports provided by the Ceding
Company’s third party administrators and other service agents with respect to the Second Amendment Additional Policies, in each case, only to the extent such opinions and reports relate directly to the Second Amendment Additional Policies.
Notwithstanding the foregoing, nothing contained herein shall require the Ceding Company, or any of its auditors, third party administrators, other service agents or representatives to disclose any information to the Reinsurer, or to take any other
action that would (i) cause a violation of any contract to which the Ceding Company is a party, (ii) cause a risk of loss of legal privilege, or (iii) would constitute a violation of applicable law or obligations to policyholders;
provided, however, that the Ceding Company shall use its commercially reasonable efforts to obtain any consents from third parties in order to provide such information to the Reinsurer without violating any contractual obligations. Any
access provided hereunder shall be during normal business hours, subject to 

  
 9 








 
reasonable prior notice and shall not unreasonably interfere with the business or operations of the Ceding Company. For the avoidance of doubt, any information disclosed herein shall be subject
to the non-disclosure obligations set forth in Section 18 of the Reinsurance Agreement. 
 (c) The parties agree that at the
Reinsurer’s reasonable request appropriate representatives of the Ceding Company and the Reinsurer and their respective representatives shall confer periodically to assess any material concerns of the Reinsurer with respect to the
administration of the Second Amendment Additional Policies or the Other Reinsurance related thereto. 
 11. Certain Other
Representations and Warranties.  
 (a) Subject to Section 8 and Section 2 hereof, as of each of the date hereof and the
Second Amendment Closing Date, the Ceding Company hereby repeats and affirms the representations and warranties set forth in (i) the second paragraph of Section 2.4 of the Reinsurance Agreement beginning with the phrase “[t]he Ceding
Company represents and warrants” and (ii) Section 11.4 of the Reinsurance Agreement (other than the second paragraph Section 11.4 thereof as respects solely the inception of this reinsurance) with respect to Other Reinsurance
applicable to the Second Amendment Additional Policies. Notwithstanding the foregoing, and for the sake of clarity, the Reinsurer assumes the risk that reinsurance under the Other Reinsurance with respect to the Second Amendment
Additional Policies is not collected. 
 (b) As of each of the date hereof and the Second Amendment Closing Date, the Ceding Company hereby
repeats and affirms the representations and warranties set forth in (i) as respects solely the Additional Direct Policies, Section 11.6 and Section 11.9 of the Reinsurance Agreement, (ii) as respects the Second Amendment
Additional Policies and this reinsurance generally, Section 11.7 (other than the penultimate paragraph thereof) of the Reinsurance Agreement, and (iii) Section 8.1 of the Reinsurance Agreement (other than the last sentence thereof).

 (c) At the time of the issuance of each of the Additional Direct Policies, the Ceding Company had in full force and effect all material
licenses and authorizations necessary for it to properly issue each Additional Direct Policy in accordance with applicable law and the Ceding Company was not at the time of issuance of any of the Additional Direct Policies or at the date hereof or
the Second Amendment Closing Date (as applicable) operating under any formal or informal agreement or understanding with any Governmental or Regulatory Authority (as such term is defined in the Commitment Agreement) restricting its authority to do
business or requiring the Ceding Company to take, or refrain from taking, any action inconsistent with the lawful issuance of the Additional Direct Policies. 

(d) Except as set forth on Annex F hereto (as such Annex shall be updated prior to the date hereof) to reflect circumstances arising
after the execution of the Commitment Agreement and excluding suits proceeding or arbitrations involving death benefits arising prior to the Second Amendment Effective Date, there is no material suit, proceeding or arbitration pending or, to the
best knowledge of the Ceding Company, threatened in writing against or affecting the Ceding Company with respect to the Second Amendment Additional Policies nor is there any material judgment, decree, injunction or order of any governmental entity
or arbitrator outstanding against the Ceding Company with respect thereto. 
 (e) The Ceding Company has furnished to the Reinsurer copies
of the Ceding Company’s (i) Annual Statements as of December 31, 2009 and for the fiscal year then ended as filed with the Maryland Insurance Administration, and (ii) the quarterly statements as of March 31,
2010, June 30, 2010 and September 30, 2010 and for the quarterly periods then ended, as filed with the Maryland Insurance Administration (collectively, the “Amendment Historical Statutory Statements”). The


  
 10 








 
Amendment Historical Statutory Statements (including without limitation the provisions made therein for investments and the valuation thereof, reserves, policy and contract claims and statutory
liabilities) have been prepared, in all material respects, in accordance with statutory accounting principles (except as may be reflected in the notes thereto and subject, with respect to the quarterly statements, to the absence of notes required by
statutory accounting principles and to normal year-end adjustments), were in all material respects, in compliance with applicable requirements of law and regulation when filed and present fairly in all material respects the financial condition of
the Ceding Company covered thereby as of the respective dates thereof and the results of operations, changes in capital and surplus and cash flows of the Ceding Company for the periods then ended. The Ceding Company makes no representations or
warranties, express or implied, as to the future experience or profitability arising from the Second Amendment Additional Policies. 
 12.
Recapture of Additional Assumed Policies. In the event of a direct or indirect recapture of risks ceded under the terms of the ING Assumed Reinsurance Agreement, a final settlement of amounts due between the parties hereto with respect
to the recaptured Additional Assumed Policies for coverage in effect up to the effective time of such recapture will be determined by the Ceding Company and reported to the Reinsurer, which calculation will include amounts paid or payable from the
Ceding Company to SLD under the terms of the ING Assumed Reinsurance Agreement as part of any final settlement thereunder to the extent attributable to losses covered hereunder, and related amounts received from SLD as part of any final settlement
thereunder (including without limitation any assets released to the Ceding Company from the funds withheld account maintained by SLD pursuant to the ING Assumed Reinsurance Agreement as part of such net settlement, other than the Excluded Balances
and any interest accrued thereon). The parties shall work in good faith to determine the amount and timing of the final settlement amount payment hereunder; failing such agreement the parties shall submit any dispute to the resolution procedures set
forth in Article 16 of the Reinsurance Agreement. 
 13. Additional Amendments. The parties agree that the Reinsurance
Agreement shall be further amended as follows: 
 (a) Clause (c) of Section 2.3 of the Reinsurance Agreement shall be amended to
add the phrase “non-discretionary” before the phrase “group life,” as respects all Reinsured Policies. 
 (b) The first
sentence of Section 7.1 of the Reinsurance Agreement shall be deleted in its entirety and replaced with the following: “Claims covered under this Agreement include contractual death claims, which are those due to the death of the insured
on a Reinsured Policy, surrender benefits, policy loan and dividend obligations under the universal life and whole life insurance policies included in the Additional Direct Policies, in each case and any additional benefits specified hereby which
are provided by the underlying policy and are reinsured under this Agreement.” 
 14. Continuing Allowances for Additional Direct
Policies. With respect to the Additional Direct Policies, in lieu of the continuing ceding and expenses allowances set forth in Exhibit C-8 of the Reinsurance Agreement, for each calendar quarter commencing on or after the Second Amendment
Effective Date and prior to any termination of the reinsurance hereunder in accordance with the terms hereof and the terms of the Reinsurance Agreement, the Reinsurer shall pay to the Ceding Company (a) a continuing ceding and expense allowance
determined in accordance with Annex C hereto plus (b) the amounts necessary to pay renewal commissions with respect to the Additional Direct Policies for periods commencing after the Second Amendment Effective Date. 

  
 11 








 15. Continuing Premiums for Additional Assumed Policies. With respect to the
Additional Assumed Policies reinsured hereunder, in lieu of the continuing premium set forth in Exhibit C of the Reinsurance Agreement, the Ceding Company shall pay to the Reinsurer the Second Amendment Quota Share of all amounts actually received
by the Ceding Company from SLD under the Underlying ING Reinsurance Agreement in respect of claims arising on or after the Second Amendment Effective Date under such Additional Assumed Policies. 

16. Experience Refunds. Within one hundred fifty (150) days following the end of each calendar quarter commencing on or
after January 1, 2015 (the “Experience Refund Commencement Date”) (or following such later period as may be reasonably justified if required financial information is then unavailable), the Ceding Company will provide to the
Reinsurer its specification of the amount of any Experience Refund due in respect of the Additional Assumed Policies with respect to such quarter, including therewith a specification of the material supporting computations and copies of related
financial computations. Subject to Section 13.1 of the Reinsurance Agreement, the Reinsurer shall pay to the Ceding Company the amount of any Experience Refund in accordance with the settlement procedures set forth in the Reinsurance Agreement.
For purposes of this Section 16, “Experience Refunds” shall mean the amounts determined in accordance with the provisions of Annex B. 

17. Further Assurances. Each of the parties shall execute such documents and other instruments and perform such further acts as
may be reasonably required to carry out the provisions hereof and the transactions contemplated hereby. Each party shall, on or prior to the Second Amendment Closing Date, use its commercially reasonable efforts to fulfill or obtain the fulfillment
of the conditions precedent to the consummation of the transactions contemplated hereby, including the execution and delivery of any documents, certificates or other instruments that are reasonably required for the consummation of the transactions
contemplated hereby; it being agreed that nothing contained in this sentence shall modify the terms of the indemnification required in order to excuse the failure of a Coinsurance Condition (as such term is defined under the Commitment Agreement)
pursuant to the terms of Section 1(a) of the Commitment Agreement. 
 18. Reinsurance Agreement. Except as expressly
stated herein, the terms of this Amendment No. 2 are subject to all other terms and conditions of the Reinsurance Agreement, all of which remain unchanged and in full force and effect. This Amendment No. 2 does not alter, amend or modify
the Reinsurance Agreement except as expressly set forth herein. 
 19. Multiple Counterparts. This Amendment No. 2 may be
signed in any number of counterparts which taken together shall constitute one and the same instrument. 
 [Balance of page left blank
intentionally] 

  
 12 








 IN WITNESS WHEREOF, the parties hereto have executed this Amendment No. 2 as of the date first above
written. 
  

									
	OM FINANCIAL LIFE INSURANCE COMPANY	 		 	WILTON REASSURANCE COMPANY
					
	By:	 	 /s/ LEE LAUNER
	 		 	By:	 	 /s/ MICHAEL GREER

					
	Title:	 	President and Chief Executive Officer	 		 	Title:	 	Senior Vice President

 [Signature page to Amendment No. 2 to Automatic Reinsurance Agreement between OM Financial Life Insurance
Company and Wilton Reassurance Company] 







 ANNEX A 

REINSURED POLICIES; OTHER REINSURANCE 
  

 

			
	SCHEDULE OF PLANS, RIDERS AND BENEFITS	  	A.1

 Subject to the other terms, conditions and limitations of Amendment No. 2, policies issued on plans shown below may
qualify for reinsurance under the terms of Amendment No. 2: 
  

																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

	104001	  	Heritage Master	  	SIUAN1	  	3/29/2006	 	-	 	9/13/2006	  		  		  	Wilton
	  	  	SIULF1	  	9/7/2005	 	-	 	3/29/2007	  		  		  	Wilton
	  	  	SIULF2	  	8/3/2007	 	-	 	8/3/2007	  		  		  	Wilton
									
	104011	  	 Other Fully

Underwritten
 UL
	  	720403	  	12/19/1986	 	-	 	11/13/1989	  	OM	  		  	Wilton
	  	  	720404	  	1/13/1987	 	-	 	12/28/1991	  	OM	  		  	Wilton
	  	  	720405	  	2/19/1987	 	-	 	9/15/1987	  	OM	  		  	Wilton
	  	  	720406	  	7/10/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	720407	  	8/4/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	720408	  	9/23/1987	 	-	 	10/20/1988	  	OM	  		  	Wilton
	  	  	721403	  	2/2/1987	 	-	 	5/26/1987	  	OM	  		  	Wilton
	  	  	721404	  	6/15/1987	 	-	 	11/26/1990	  	OM	  		  	Wilton
	  	  	730400	  	7/17/1983	 	-	 	10/28/1988	  		  		  	Wilton
	  	  	730402	  	3/28/1985	 	-	 	8/5/1988	  		  		  	Wilton
	  	  	730410	  	12/20/1985	 	-	 	5/16/1988	  		  		  	Wilton
	  	  	730411	  	9/2/1985	 	-	 	11/1/1992	  		  		  	Wilton
	  	  	730412	  	1/15/1986	 	-	 	10/10/1987	  		  		  	Wilton
	  	  	730413	  	10/22/1985	 	-	 	4/15/1989	  		  		  	Wilton

  

	1 	Excluded Share percentages have been expressed without reflecting the special effects of additional third party reinsurance structured on a combination YRT/coinsurance basis, which effects are not expected to materially
change the Excluded Share percentage shown in this Annex A-1. Products that are subject to YRT as well as coinsurance are identified in the “Product” column in this table. 









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	730414	  	1/1/1986	 	-	 	2/1/1989	  		  		  	Wilton
	  	  	730415	  	3/14/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730415	  	11/14/1988	 	-	 	11/14/1988	  		  		  	Wilton
	  	  	730416	  	5/28/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730417	  	8/21/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730417	  	12/11/1986	 	-	 	7/12/1988	  		  		  	Wilton
	  	  	730418	  	10/20/1986	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	730419	  	2/1/1987	 	-	 	2/1/1988	  		  		  	Wilton
	  	  	730420	  	12/28/1988	 	-	 	6/1/1992	  		  		  	Wilton
	  	  	730421	  	10/1/1988	 	-	 	10/1/1992	  		  		  	Wilton
	  	  	730422	  	6/2/1988	 	-	 	8/28/1998	  	OM	  		  	Wilton
	  	  	730426	  	4/1/1986	 	-	 	9/1/2003	  		  		  	Wilton
	  	  	730427	  	3/3/1989	 	-	 	7/1/2004	  		  		  	Wilton
	  	  	730429	  	5/25/1987	 	-	 	7/1/2004	  		  		  	Wilton
	  	  	730430	  	7/12/1989	 	-	 	5/1/2004	  		  		  	Wilton
	  	  	730439	  	5/11/1990	 	-	 	1/22/1999	  	OM	  		  	Wilton
	  	  	730440	  	12/10/1991	 	-	 	8/1/1997	  		  		  	Wilton
	  	  	731400	  	12/22/1984	 	-	 	12/28/1988	  		  		  	Wilton
	  	  	731400	  	2/1/1985	 	-	 	8/4/1987	  		  		  	Wilton
	  	  	731422	  	12/16/1988	 	-	 	6/12/1992	  	OM	  		  	Wilton
	  	  	731439	  	6/26/1991	 	-	 	8/21/1997	  	OM	  		  	Wilton
	  	  	731440	  	7/1/1992	 	-	 	3/24/1997	  		  		  	Wilton
	  	  	732400	  	10/23/1985	 	-	 	12/8/1988	  		  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	732402	  	2/18/1986	 	-	 	8/8/1986	  		  		  	Wilton
	  	  	JFD1	  	9/15/1996	 	-	 	6/11/1999	  		  		  	Wilton
	  	  	JLD1	  	6/10/1996	 	-	 	9/2/1999	  		  		  	Wilton
	  	  	UL10G	  	5/5/1997	 	-	 	12/1/1999	  		  		  	Wilton
	  	  	UL7	  	1/25/1995	 	-	 	6/19/2000	  	OM	  		  	Wilton
	  	  	UL8	  	7/4/1996	 	-	 	6/2/2003	  		  		  	Wilton
	  	  	UL8NJ	  	5/7/1998	 	-	 	4/8/2003	  		  		  	Wilton
	  	  	UL8T	  	6/14/1996	 	-	 	9/13/2003	  		  		  	Wilton
	  	  	UL9G3	  	2/27/1997	 	-	 	4/28/2002	  		  		  	Wilton
	  	  	UL9P3	  	5/9/1997	 	-	 	8/15/1997	  		  		  	Wilton
	  	  	UL9R3	  	12/9/1996	 	-	 	3/8/2004	  		  		  	Wilton
									
	104031	  	Secure Master	  	UL10R	  	7/15/1997	 	-	 	2/6/2009	  		  		  	Wilton
									
	105001	  	Income Certain	  	15INCR	  	5/28/2006	 	-	 	8/16/2007	  		  		  	Wilton
	  	  	20INCR	  	6/13/2006	 	-	 	2/12/2007	  		  		  	Wilton
	  	  	25INCR	  	5/17/2006	 	-	 	8/1/2007	  		  		  	Wilton
	  	  	30INCR	  	4/28/2006	 	-	 	3/29/2007	  		  		  	Wilton
									
	105011	  	 Home Certain

Issue months
 2/15/05

through
 3/31/05 include

third party YRT

as well as

coinsurance
	  	10MLE	  	10/18/2000	 	-	 	11/20/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	10MLT	  	12/13/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15MDT	  	6/10/1999	 	-	 	8/31/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	15MDTR	  	5/28/2000	 	-	 	6/17/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	15MLE	  	8/28/2000	 	-	 	12/23/2008	  	OM	  	10%	  	Raven & Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	15MLER	  	7/13/2000	 	-	 	12/8/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	15MLT	  	10/28/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	15MLTR	  	8/9/1999	 	-	 	12/17/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MDT	  	12/4/1999	 	-	 	9/11/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20MDTR	  	6/14/1999	 	-	 	8/8/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLE	  	9/28/2001	 	-	 	12/22/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLER	  	9/8/2000	 	-	 	11/7/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20MLT	  	10/7/1999	 	-	 	12/8/2008	  	OM	  	10%	  	Raven & Wilton
		  		  	20MLTR	  	6/10/1999	 	-	 	8/6/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MDT	  	1/12/2005	 	-	 	8/10/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MDTR	  	1/23/2001	 	-	 	8/2/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLE	  	5/1/2001	 	-	 	5/16/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLER	  	10/19/2000	 	-	 	12/23/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	25MLT	  	8/28/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	25MLTR	  	6/15/1999	 	-	 	6/4/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30MDT	  	1/4/2005	 	-	 	5/30/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30MDTR	  	10/24/2000	 	-	 	8/28/2007	  	OM	  	10%	  	Raven & Wilton
	  	  	30ML	  	8/5/1999	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLE	  	8/28/2000	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLER	  	6/21/2000	 	-	 	12/31/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	30MLR	  	6/16/2000	 	-	 	12/2/2008	  	OM	  	10%	  	Raven & Wilton
									
		  	Your Term	  	10E	  	1/22/2009	 	-	 	5/12/2009	  		  		  	Wilton
	  	  	10T	  	1/21/2009	 	-	 	5/5/2009	  		  		  	Wilton
	  	  	15E	  	1/1/2009	 	-	 	6/3/2009	  		  		  	Wilton
	  	  	15ER	  	5/1/2009	 	-	 	5/1/2009	  		  		  	Wilton
	  	  	15T	  	1/20/2009	 	-	 	5/13/2009	  		  		  	Wilton
	  	  	20E	  	1/12/2009	 	-	 	5/14/2009	  		  		  	Wilton
	  	  	20ER	  	1/26/2009	 	-	 	5/12/2009	  		  		  	Wilton
	  	  	20T	  	2/5/2009	 	-	 	5/7/2009	  		  		  	Wilton
	  	  	20T5R	  	2/16/2009	 	-	 	4/6/2009	  		  		  	Wilton
	  	  	20TR	  	2/4/2009	 	-	 	2/4/2009	  		  		  	Wilton
	  	  	25E	  	1/19/2009	 	-	 	5/5/2009	  		  		  	Wilton
	  	  	25ER	  	1/22/2009	 	-	 	1/30/2009	  		  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	25T	  	2/2/2009	 	-	 	2/2/2009	  		  		  	Wilton
	  	  	30E	  	1/26/2009	 	-	 	5/19/2009	  		  		  	Wilton
	  	  	30E5R	  	2/19/2009	 	-	 	4/2/2009	  		  		  	Wilton
	  	  	30ER	  	1/14/2009	 	-	 	6/4/2009	  		  		  	Wilton
	  	  	30T	  	1/29/2009	 	-	 	5/18/2009	  		  		  	Wilton
	  	  	30T5R	  	2/16/2009	 	-	 	2/16/2009	  		  		  	Wilton
	  	  	30TR	  	2/20/2009	 	-	 	3/26/2009	  		  		  	Wilton
									
	105021	  	 Other Fully

Underwritten
 Term
	  	026	  	7/19/1973	 	-	 	9/17/1985	  	OM	  		  	Wilton
	  	  	043	  	8/19/1965	 	-	 	7/24/1981	  		  		  	Wilton
	  	  	044	  	12/28/1973	 	-	 	6/27/1988	  		  		  	Wilton
	  	  	045	  	11/20/1964	 	-	 	3/8/1988	  		  		  	Wilton
	  	  	053	  	9/19/1977	 	-	 	3/17/1981	  		  		  	Wilton
	  	  	054	  	10/8/1976	 	-	 	10/13/1980	  		  		  	Wilton
	  	  	055	  	7/28/1970	 	-	 	8/17/1976	  		  		  	Wilton
	  	  	058	  	5/19/1974	 	-	 	1/9/1995	  	OM	  		  	Wilton
	  	  	059	  	6/2/1988	 	-	 	1/9/1995	  	OM	  		  	Wilton
	  	  	074	  	6/15/1976	 	-	 	5/18/1977	  		  		  	Wilton
	  	  	100	  	7/11/2001	 	-	 	7/8/2003	  		  		  	Wilton
	  	  	100WA	  	8/2/2001	 	-	 	8/2/2001	  		  		  	Wilton
	  	  	101	  	7/22/2001	 	-	 	1/24/2004	  		  		  	Wilton
	  	  	101A	  	11/1/2001	 	-	 	1/24/2004	  		  		  	Wilton
	  	  	101AOR	  	9/12/2001	 	-	 	12/9/2003	  		  		  	Wilton
	  	  	101AWA	  	6/26/2001	 	-	 	6/26/2001	  		  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	101OR	  	9/12/2001	 	-	 	12/9/2003	  		  		  	Wilton
	  	  	101WA	  	6/26/2001	 	-	 	8/2/2001	  		  		  	Wilton
	  	  	102	  	11/12/2001	 	-	 	9/29/2003	  		  		  	Wilton
	  	  	102A	  	2/28/2002	 	-	 	7/24/2003	  		  		  	Wilton
	  	  	102OR	  	3/1/2002	 	-	 	4/29/2003	  		  		  	Wilton
	  	  	103	  	1/22/2002	 	-	 	9/8/2003	  		  		  	Wilton
	  	  	103OR	  	11/7/2002	 	-	 	11/7/2002	  		  		  	Wilton
	  	  	104	  	5/31/2002	 	-	 	12/9/2002	  		  		  	Wilton
	  	  	248	  	7/3/1985	 	-	 	5/17/1988	  		  		  	Wilton
	  	  	249	  	9/9/1982	 	-	 	7/1/1987	  		  		  	Wilton
	  	  	251	  	3/25/1983	 	-	 	3/25/1983	  		  		  	Wilton
	  	  	252	  	4/9/1984	 	-	 	5/5/1988	  		  		  	Wilton
	  	  	253	  	6/25/1985	 	-	 	1/9/1989	  		  		  	Wilton
	  	  	254	  	4/28/1981	 	-	 	6/9/1988	  		  		  	Wilton
	  	  	255	  	7/13/1980	 	-	 	1/10/1986	  		  		  	Wilton
	  	  	275	  	11/26/1980	 	-	 	7/28/1985	  		  		  	Wilton
	  	  	280	  	12/5/1990	 	-	 	7/17/1992	  		  		  	Wilton
	  	  	281	  	12/7/1990	 	-	 	9/25/1992	  		  		  	Wilton
	  	  	282	  	2/1/1991	 	-	 	10/14/1992	  		  		  	Wilton
	  	  	283	  	9/25/1990	 	-	 	2/17/1993	  		  		  	Wilton
	  	  	351	  	4/21/1983	 	-	 	3/7/1988	  		  		  	Wilton
	  	  	355	  	9/6/1977	 	-	 	5/19/1980	  		  		  	Wilton
	  	  	374	  	9/7/1977	 	-	 	1/28/1980	  		  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	375	  	9/13/1978	 	-	 	4/2/1980	  		  		  	Wilton
	  	  	376	  	2/13/1979	 	-	 	11/19/1985	  		  		  	Wilton
	  	  	380	  	10/7/1985	 	-	 	5/8/1997	  		  		  	Wilton
	  	  	382	  	8/23/1985	 	-	 	8/1/1997	  		  		  	Wilton
									
	105031	  	Patriot Select	  	15PSL	  	6/8/2003	 	-	 	10/13/2005	  		  		  	Wilton
	  	  	15PSLR	  	9/5/2003	 	-	 	11/2/2005	  		  		  	Wilton
	  	  	20PSL	  	6/15/2003	 	-	 	1/24/2006	  		  		  	Wilton
	  	  	20PSLR	  	5/10/2003	 	-	 	11/16/2005	  		  		  	Wilton
	  	  	30PSL	  	6/6/2003	 	-	 	11/15/2005	  		  		  	Wilton
	  	  	30PSLR	  	7/21/2003	 	-	 	10/18/2005	  		  		  	Wilton
									
	105041	  	 Other Simplified

Issue Whole Life
	  	WLG	  	10/13/1999	 	-	 	12/28/1999	  	OM	  		  	Wilton
	  	  	WLG	  	1/11/2000	 	-	 	11/4/2002	  	OM	  		  	Wilton
	  	  	WLGF	  	11/19/1999	 	-	 	11/19/1999	  	OM	  		  	Wilton
	  	  	WLGF	  	2/22/2000	 	-	 	10/9/2002	  	OM	  		  	Wilton
	  	  	WLL	  	3/1/1989	 	-	 	12/28/1999	  	OM	  		  	Wilton
	  	  	WLL	  	1/13/2000	 	-	 	1/14/2003	  	OM	  		  	Wilton
									
	105051	  	 Savers Select

Limited
 Guarantee

plans (plans

ending in E or

ER) for all issue

years include

third party YRT
 as well
as
 coinsurance
	  	15SSE	  	3/27/2001	 	-	 	1/15/2009	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSER	  	5/10/2001	 	-	 	9/8/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSX	  	4/2/2001	 	-	 	10/19/2008	  	OM	  	10%	  	Raven & Wilton
	  	  	15SSXR	  	4/17/2001	 	-	 	6/14/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSE	  	2/15/2001	 	-	 	1/15/2009	  	OM	  	10%	  	Raven & Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded Share1
	  	 Reinsurer

		  		  	20SSER	  	6/28/2001	 	-	 	2/17/2009	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSX	  	3/6/2001	 	-	 	3/10/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	20SSXR	  	2/21/2001	 	-	 	7/26/2007	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSE	  	3/20/2001	 	-	 	12/19/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSER	  	3/12/2001	 	-	 	2/4/2009	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSX	  	2/14/2001	 	-	 	7/10/2008	  	OM	  	10%	  	Raven & Wilton
		  	  	30SSXR	  	3/15/2001	 	-	 	12/18/2007	  	OM	  	10%	  	Raven & Wilton
									
	105061	  	Term Trends	  	01RTM	  	2/4/1997	 	-	 	7/25/1997	  	OM	  		  	Wilton
		  	  	01RTSA	  	1/6/2000	 	-	 	7/21/2000	  	OM	  	10%	  	Raven & Wilton
		  	  	05RTG	  	12/16/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  	  	05RTG	  	2/18/2000	 	-	 	12/8/2005	  	OM	  	10%	  	Raven & Wilton
		  	  	05RTP	  	6/4/1997	 	-	 	6/4/1997	  	OM	  		  	Wilton
		  	  	05RTR	  	4/15/1997	 	-	 	11/3/1999	  	OM	  		  	Wilton
		  	  	05RTRJ	  	10/16/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  	  	05RTRJ	  	3/25/2000	 	-	 	9/26/2005	  	OM	  	10%	  	Raven & Wilton
		  	  	10RTG	  	3/3/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	10RTG	  	2/20/2000	 	-	 	11/15/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	10RTM	  	11/22/1996	 	-	 	3/3/1997	  	OM	  		  	Wilton
		  		  	10RTP	  	2/25/1997	 	-	 	9/16/1997	  	OM	  		  	Wilton
		  		  	10RTR	  	4/14/1997	 	-	 	12/16/1999	  	OM	  		  	Wilton
		  		  	10RTR	  	1/6/2000	 	-	 	6/18/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	10RTRJ	  	4/2/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	10RTRJ	  	2/18/2000	 	-	 	10/10/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTG	  	3/10/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTG	  	1/12/2000	 	-	 	12/19/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTM	  	10/7/1996	 	-	 	4/2/1997	  	OM	  		  	Wilton
		  		  	15RTP	  	2/8/1997	 	-	 	8/28/1997	  	OM	  		  	Wilton
		  		  	15RTR	  	2/13/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTR	  	3/14/2000	 	-	 	11/5/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	15RTRJ	  	3/11/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	15RTRJ	  	2/4/2000	 	-	 	10/10/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	15SST	  	4/16/1997	 	-	 	8/1/1997	  	OM	  		  	Wilton
		  		  	20RTG	  	3/4/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTG	  	1/5/2000	 	-	 	11/16/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	20RTM	  	11/13/1996	 	-	 	4/10/1997	  	OM	  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	20RTP	  	1/28/1997	 	-	 	1/26/1998	  	OM	  		  	Wilton
		  		  	20RTR	  	1/27/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTRJ	  	3/11/1998	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	20RTRJ	  	2/18/2000	 	-	 	9/17/2005	  	OM	  	10%	  	Raven & Wilton
		  		  	20SST	  	5/2/1997	 	-	 	6/27/1997	  	OM	  		  	Wilton
		  		  	30ACA	  	5/9/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  		  		 		 		  		  		  	
		  		  	30ACA	  	3/27/2000	 	-	 	5/20/2002	  	OM	  	10%	  	Raven & Wilton
		  		  	30ACB	  	6/3/1997	 	-	 	12/28/1999	  	OM	  		  	Wilton
		  		  	30ACB	  	2/25/2000	 	-	 	3/5/2001	  	OM	  	10%	  	Raven & Wilton
		  		  	30RTM	  	12/23/1996	 	-	 	9/2/1998	  	OM	  		  	Wilton
									
	105071	  	Value Select	  	15VS2	  	11/18/2008	 	-	 	12/2/2008	  	OM	  	10%	  	Raven & Wilton
		  		  	15VSL	  	9/15/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	15VSLR	  	10/23/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	20VS2	  	10/24/2008	 	-	 	1/23/2009	  	OM	  	10%	  	Raven & Wilton
		  		  	20VSL	  	8/7/2003	 	-	 	6/7/2007	  		  		  	Wilton
		  		  	20VSLR	  	11/19/2003	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	30VSL	  	12/22/2005	 	-	 	2/15/2007	  		  		  	Wilton
		  		  	30VSLR	  	7/10/2003	 	-	 	2/15/2007	  		  		  	Wilton
									
	105081	  	Whole Life	  	000	  	1/19/1961	 	-	 	2/10/1989	  	OM	  		  	Wilton
		  		  	001	  	6/7/1961	 	-	 	11/4/1985	  	OM	  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	002	  	2/27/1962	 	-	 	1/18/1979	  	OM	  		  	Wilton
	  	  	003	  	2/25/1961	 	-	 	1/24/1986	  	OM	  		  	Wilton
	  	  	004	  	3/26/1964	 	-	 	10/9/1973	  	OM	  		  	Wilton
	  	  	005	  	8/28/1961	 	-	 	6/21/1976	  	OM	  		  	Wilton
	  	  	006	  	2/27/1971	 	-	 	4/8/1980	  	OM	  		  	Wilton
	  	  	007	  	11/3/1965	 	-	 	5/8/1980	  	OM	  		  	Wilton
	  	  	008	  	11/9/1960	 	-	 	12/1/1988	  	OM	  		  	Wilton
	  	  	015	  	1/25/1967	 	-	 	3/16/1977	  	OM	  		  	Wilton
	  	  	027	  	4/1/1964	 	-	 	4/1/1964	  	OM	  		  	Wilton
	  	  	029	  	10/20/1960	 	-	 	3/2/1985	  	OM	  		  	Wilton
	  	  	030	  	3/16/1961	 	-	 	10/22/1980	  	OM	  		  	Wilton
	  	  	031	  	11/28/1960	 	-	 	10/18/1982	  	OM	  		  	Wilton
	  	  	032	  	11/1/1960	 	-	 	9/11/1981	  	OM	  		  	Wilton
	  	  	033	  	9/1/1961	 	-	 	4/24/1981	  	OM	  		  	Wilton
	  	  	036	  	8/25/1961	 	-	 	1/15/1969	  	OM	  		  	Wilton
	  	  	037	  	1/6/1962	 	-	 	5/28/1984	  	OM	  		  	Wilton
	  	  	038	  	9/21/1967	 	-	 	11/15/1985	  	OM	  		  	Wilton
	  	  	039	  	2/23/1966	 	-	 	1/18/1977	  	OM	  		  	Wilton
	  	  	041	  	6/1/1963	 	-	 	7/1/1988	  	OM	  		  	Wilton
	  	  	056	  	9/15/1970	 	-	 	12/4/1985	  	OM	  		  	Wilton
	  	  	057	  	10/14/1970	 	-	 	8/26/1985	  	OM	  		  	Wilton
	  	  	060	  	10/2/1968	 	-	 	10/10/1980	  	OM	  		  	Wilton
	  	  	061	  	12/15/1972	 	-	 	10/1/1984	  	OM	  		  	Wilton









																	
	 SLOB
	  	 Product
	  	 Plan Code
	  	 Time Period
	  	 OM Re
	  	 Excluded
Share1
	  	 Reinsurer

		  		  	066	  	6/21/1969	 	-	 	2/24/1982	  	OM	  		  	Wilton
	  	  	072	  	10/19/1973	 	-	 	9/12/1984	  	OM	  		  	Wilton
	  	  	073	  	12/15/1972	 	-	 	8/3/1983	  	OM	  		  	Wilton
	  	  	200	  	3/1/1973	 	-	 	7/1/1982	  	OM	  		  	Wilton
	  	  	201	  	9/1/1973	 	-	 	8/1/1981	  	OM	  		  	Wilton
	  	  	204	  	7/1/1978	 	-	 	1/1/1983	  	OM	  		  	Wilton
	  	  	208	  	3/10/1974	 	-	 	7/1/1987	  	OM	  		  	Wilton
	  	  	217	  	6/7/1984	 	-	 	5/25/1988	  	OM	  		  	Wilton
	  	  	218	  	5/1/1983	 	-	 	12/18/1989	  	OM	  		  	Wilton
	  	  	300	  	10/1/1980	 	-	 	9/28/1981	  	OM	  		  	Wilton
	  	  	310	  	10/1/1982	 	-	 	1/4/1989	  	OM	  		  	Wilton
	  	  	360	  	6/22/1977	 	-	 	7/10/1981	  	OM	  		  	Wilton
	  	  	361	  	6/23/1981	 	-	 	3/1/1989	  	OM	  		  	Wilton
									
	105091	  	Benefit Certain	  	20MLB	  	4/25/2005	 	-	 	6/21/2007	  		  		  	Wilton
	  	  	30MLB	  	6/3/2005	 	-	 	10/16/2007	  		  		  	Wilton
	  	  	30MLBR	  	4/25/2005	 	-	 	7/27/2007	  		  		  	Wilton









			
	 SCHEDULE OF OTHER REINSURANCE
	  	A.2

  

			
	 Products Covered
	  	 Treaty Identification

		
	Home Certain	  	 Canada Life Assurance Company
  

Eff. – 4/15/2003
  

(per amendment, quota share percentage change effective 1/19/2005)

	  	  
 Household Life Insurance Company

 
 Eff. – 4/1/2005

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 10/1/1999

	  	  
 Security Life of Denver

 
 Eff. – 4/15/2003

	  	  
 Swiss Re

 
 Eff. – 4/1/1999

	  	  
 Wilton Re

 
 Eff. – 4/1/2005, Eff. – 12/31/20072

		
	Savers Select	  	 Canada Life Assurance Company
  

Eff. – 1/19/2005

	  	  
 RGA Reinsurance Company

 
 Eff. – 1/19/2005

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 1/15/2001

	  	  
 Security Life of Denver

 
 Eff. – 7/15/1996, Eff. – 4/15/2003

 
 (two treaties)

	  	  
 Swiss Re

 
 Eff. – 7/1/1983, Eff. – 1/15/2001

 
 (two treaties)


  

	2 	This and other references in this Annex A-2 to the Wilton Re treaty effective 12/31/2007 refer to the Reinsurance Agreement. Coverage under the Reinsurance Agreement shall be deemed to be “Other Reinsurance”
solely with respect to the Second Amendment Additional Policies reinsured under this Amendment No. 2 to the extent any such policies were also covered under the Reinsurance Agreement prior to the date hereof or are covered pursuant to the terms
of any future amendment to the provisions of the Reinsurance Agreement. For the avoidance of doubt, (i) the Reinsurance Agreement shall not otherwise be deemed to be “Other Reinsurance” under the Reinsurance Agreement or under any
amendment thereto (except as otherwise contemplated therein), and (ii) the foregoing shall have no effect on the parties’ rights or entitlements under the terms of the Reinsurance Agreement as effective without consideration to the
effectiveness of this Amendment No. 2. 









			
	 Products Covered
	  	 Treaty Identification

		
		  	 RGA Reinsurance Company (YRT)
  

Eff. – 1/19/2005

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Wilton Re

 
 Eff. – 12/31/2007

	Your Term	  	  
 Swiss Re

 
 Eff. – 12/22/2008

	  	  
 RGA Reinsurance Company

 
 Eff. – 12/22/2008

	  	  
 Gen Re

 
 Eff. – 12/22/2008

	Value Select	  	  
 Canada Life Assurance Company

 
 Eff. – 3/1/2003

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 3/1/2003

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 7/21/2004

	  	  
 RGA Reinsurance Company

 
 Eff. – 7/18/2008

	  	  
 Security Life of Denver

 
 Eff. – 3/1/2003

	  	  
 Wilton Re

 
 Eff. – 12/31/2007

	Term Trends	  	  
 Crown Life Insurance Company

 
 Eff. – 3/1/1998

	  	  
 Life Reassurance Corporation of America

Eff. – 3/1/1998
  

(per amendment, eff. Date was later changed to 6/8/1998)

	  	  
 Transamerica Occidental Life Insurance
Company
  
 Eff. – 10/1/1999

	  	  
 American Phoenix

 
 Eff. – 6/1/1996

	  	  
 Swiss Re

 
 Eff. – 6/8/1998

	  	  
 Security Life of Denver

 
 Eff. – 6/1/1996










			
	 Products Covered
	  	 Treaty Identification

		
	 Term Trends 10 year term,
  

Term Trends 20 year term,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Employers Reassurance Corporation
  

Eff. – 5/1/2001

		
	 Term Trends 10 year term,
  

Term Trends 20 year term,
  

Term Trends 20 year term with 5 year guarantee,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Scottish Re (U.S.), Inc.
  

Eff. – 5/1/2001

		
	 Term Trends 20 year term,
  

Term Trends 30 year term,
  

Term Trends 30 year term with 10 year guarantee,
  

additional insured rider
	  	 Swiss Re Life and Health America, Inc.

 
 Eff. – 5/1/2001

		
	Patriot Select	  	 Canada Life Assurance Company
  

Eff. – 3/1/2003

	  	  
 Security Life of Denver

 
 Eff. – 3/1/2003

	  	  
 Scottish Re (U.S.), Inc.

 
 Eff. – 3/1/2003

		
	UL 1 – 10	  	 CIGNA
  

Eff. – 7/1/1983

		
	UL 1 – 6, 9 – 10	  	 Swiss Re (treaty number 2564-1)
  

Eff. – 7/1/1983

		
	UL 1 – 5	  	 AUL (treaty number 0274.001)
  

Eff. – 7/1/1983

		
	UL 6	  	 Frankona (treaty number AYN – SA 089)

 
 Eff. – 7/1/1991

		
	UL 9 – 10	  	 American Phoenix (treaty number 2336)

 
 Eff. – 10/1/1996

	  	  
 Crown (treaty number QARYR1-9610)

 
 Eff. – 10/1/1996

	  	  
 ALR/Wilton Re

 
 Eff. – 10/1/1999

		
	Secure Master	  	 Munich (YRT) (treaty number 2903)
  

Eff. – 9/6/2001 – 11/30/05

	  	  
 Swiss Re (YRT) (treaty number 7157-1)

 
 Eff. – 9/6/2001 – 11/30/05










			
	 Products Covered
	  	 Treaty Identification

		
	Other Fully Underwritten Term	  	 CIGNA
  

Eff. – 3/1/1974

	  	  
 AUL

 
 Eff. – 3/1/1977

	  	  
 Swiss Re

 
 Eff. – 8/1/1981

	  	  
 Phoenix

 
 Eff. – 10/1/1986

	  	  
 Lincoln

 
 Eff. – 1/1/1992

	  	  
 Frankona

 
 Eff. – 1/1/1992

		
	 UL 5 – 6, 9 – 10
  

Pension UL
  

Single Premium Adjusted Life Plan
	  	 Conn Gen
  

Eff. – 1/1/1991









 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
 ANNEX B

 EXPERIENCE REFUND 

Section B-1. Experience Account. 

(a) A notional experience account (the “Experience Account”) shall be created by the Reinsurer as of the Experience
Refund Commencement Date and shall be maintained until all obligations of the Reinsurer in respect of the Additional Assumed Policies under the Reinsurance Agreement have been satisfied or discharged in full. As of the Experience Refund Commencement
Date, the balance of the Experience Account (the “Experience Account Balance”) shall be zero. 
 (b) The Experience
Account Balance as of any date shall be an amount calculated in accordance with Section B-2 hereof. 
 (c) With respect to each calendar
quarter during the term of the Reinsurance Agreement which commences on or after the Experience Refund Commencement Date, and so long as Additional Assumed Policies are in force and reinsured by the Reinsurer under the Reinsurance Agreement, the
Reinsurer shall pay to the Ceding Company the positive Experience Account Balance as of the end of such calendar quarter, if any (each such payment, an “Experience Refund”). The Experience Refund payable to the Ceding Company
with respect to any period shall not exceed the Experience Account Balance as of the last day of such period, and no Experience Refund shall be payable to the Ceding Company if the Experience Account Balance as of the last day of such period shall
be less than zero. 
 Section B-2. Experience Account Balance. The Experience Account Balance as of the end of any subject
calendar quarter shall be determined as: 
 Experience Account Balance (ending prior period before payment of Experience Refund paid in
current period with respect to such prior period) less 
 A. Experience Refund paid in the current period (for the prior period); plus 

B. Continuing premiums paid or payable to the Reinsurer for the current period under Section 15 of Amendment No. 2 in respect of
Additional Assumed Policies; plus 
 C. Investment Income; less 

D. Benefits and continuing allowances paid or payable to the Ceding Company pursuant to Article 7 of the Reinsurance Agreement and
Section 14 of Amendment No. 2 for the current period, each in respect of Additional Assumed Policies; less 
 E. Increase in YRT
Reserve (as such term is used in the ING Assumed Reinsurance Agreement) in respect of Additional Assumed Policies, if any, for the current period; plus 

F. Decrease in YRT Reserve (as such term is used in the ING Assumed Reinsurance Agreement) in respect of Additional Assumed Policies, if any,
for the current period; less 
 G. Premium, excise or other taxes reimbursed or reimbursable by the Reinsurer for the current period with
respect to the Additional Assumed Policies; less 
 H. Risk Charge 

where “Risk Charge” for each accounting period within the current period equals [***]% times the any positive balance of
(B+C-D-E+F-G) determined with respect to such period. For purposes of item C above, “Investment Income” shall mean, as to any applicable period, Investment Income as determined pursuant to Section 12 of the ING Assumed
Reinsurance Agreement with respect to such period. 







 Upon any recapture in accordance with Section 12 of Amendment No. 2 hereof, the Experience
Account Balance will be reduced by the amount of related payments to the Ceding Company. 







 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

ANNEX C 
 CONTINUING
CEDING ALLOWANCE 
  

					
	 OM Life – Camden

	 Continuing Ceding Allowances (per policy per year)

	 Universal Life
	  	 Equity Index
Universal Life
	 	 Term Life

	$[***]	  	$[***]	 	$[***]

 The amount to be paid by the Reinsurer as a continuing policy allowance pursuant to Section 14(a) for any
full quarterly period shall be equal to the sum of (a) the sum of the products, for each type of policy, of (i) the Second Amendment Quota Share, times (ii) one-quarter of applicable per policy, per year charge as reflected in the
table above times (iii) the average number of Additional Direct Policies of the applicable type in force during the applicable quarterly period, plus (b) [***]% of direct ceded premiums applicable to such period; provided, that the
amount in item (a)(ii) above shall be increased annually, commencing in calendar year 2012, by application of a 2% per annum inflation factor, compounded annually. For the avoidance of doubt, to the extent there is any overlap between the
Additional Direct Policies to be reinsured hereunder and the Third Amendment Additional Policies to be reinsured under any of the other Proposed Amendments (as such term is defined in the Commitment Agreement), the continuing ceding allowance
payable with respect to any such policy shall be payable under this Amendment No. 2 and not under any other Proposed Amendment. 







 ANNEX D 

SCHEDULE OF ASSETS 

Amounts as of February 28, 2011 
  

																													
	 Portfolio
	 	  	CUSIP	 	  	 Issuer
	  	Par Value
($)	 	  	Book Value
($)	 	  	Accrued
Interest ($)	 	  	Market
Value ($)	 	  	Maturity
Date	 
	 	903	  	  	 	00184AAF2	  	  	AOL Time Warner	  	 	893,000	  	  	 	914,696	  	  	 	20,465	  	  	 	950,617	  	  	 	5/1/2012	  
	 	904	  	  	 	037735BZ9	  	  	Appalachian Power Co	  	 	2,000,000	  	  	 	1,996,333	  	  	 	35,039	  	  	 	2,012,080	  	  	 	5/15/2033	  
	 	904	  	  	 	037735CG0	  	  	Appalachian Power Co	  	 	5,000,000	  	  	 	5,129,296	  	  	 	132,813	  	  	 	5,274,750	  	  	 	4/1/2036	  
	 	903	  	  	 	172070CN2	  	  	Cincinnati Gas & Electric	  	 	500,000	  	  	 	499,964	  	  	 	13,142	  	  	 	534,969	  	  	 	9/15/2012	  
	 	904	  	  	 	17248RAJ5	  	  	Cingular Wireless	  	 	10,000,000	  	  	 	11,551,302	  	  	 	150,417	  	  	 	11,857,900	  	  	 	12/15/2031	  
	 	903	  	  	 	202795HE3	  	  	Commonwealth Edison	  	 	5,000,000	  	  	 	5,014,614	  	  	 	141,792	  	  	 	5,267,340	  	  	 	3/15/2012	  
	 	903	  	  	 	233331AE7	  	  	DTE Energy Company	  	 	5,000,000	  	  	 	5,013,251	  	  	 	88,125	  	  	 	5,074,325	  	  	 	6/1/2011	  
	 	904	  	  	 	237194AE5	  	  	Darden Restaurants	  	 	8,000,000	  	  	 	7,642,211	  	  	 	21,333	  	  	 	7,780,000	  	  	 	8/15/2035	  
	 	903	  	  	 	257469AF3	  	  	Dominion Resources	  	 	5,000,000	  	  	 	5,159,214	  	  	 	129,833	  	  	 	5,346,960	  	  	 	9/17/2012	  
	 	904	  	  	 	30239XAD9	  	  	FBG Finance LTD	  	 	15,000,000	  	  	 	14,896,407	  	  	 	186,042	  	  	 	14,760,270	  	  	 	6/15/2035	  
	 	903	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	10,780,000	  	  	 	10,856,820	  	  	 	101,811	  	  	 	11,032,403	  	  	 	9/21/2012	  
	 	904	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	3,220,000	  	  	 	3,242,946	  	  	 	30,411	  	  	 	3,295,393	  	  	 	9/21/2012	  
	 	907	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	5,152,000	  	  	 	5,188,500	  	  	 	48,658	  	  	 	5,272,629	  	  	 	9/21/2012	  
	 	907	  	  	 	3137EACE7	  	  	Freddie Mac	  	 	17,248,000	  	  	 	17,370,196	  	  	 	162,898	  	  	 	17,651,845	  	  	 	9/21/2012	  
	 	903	  	  	 	337738AF5	  	  	Fiserv Inc	  	 	10,000,000	  	  	 	9,998,222	  	  	 	171,840	  	  	 	10,755,070	  	  	 	11/20/2012	  
	 	903	  	  	 	42307TAF5	  	  	HJ Heinz Finance	  	 	10,800,000	  	  	 	11,162,340	  	  	 	298,800	  	  	 	11,358,619	  	  	 	3/15/2012	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	5,000,000	  	  	 	5,054,986	  	  	 	133,698	  	  	 	5,047,025	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	1,000,000	  	  	 	999,127	  	  	 	26,740	  	  	 	1,009,405	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	6,000,000	  	  	 	5,994,763	  	  	 	160,438	  	  	 	6,056,430	  	  	 	9/30/2036	  
	 	904	  	  	 	465685AD7	  	  	ITC Holdings Corp	  	 	1,000,000	  	  	 	999,127	  	  	 	26,740	  	  	 	1,009,405	  	  	 	9/30/2036	  
	 	903	  	  	 	50075NAH7	  	  	Kraft Foods Inc	  	 	893,000	  	  	 	915,532	  	  	 	13,953	  	  	 	949,036	  	  	 	6/1/2012	  
	 	904	  	  	 	63534PAH0	  	  	National City Bank	  	 	4,575,000	  	  	 	4,172,152	  	  	 	7,189	  	  	 	4,133,883	  	  	 	6/7/2017	  
	 	901	  	  	 	652478BB3	  	  	News American Holdings	  	 	1,500,000	  	  	 	1,446,592	  	  	 	29,625	  	  	 	1,692,036	  	  	 	12/1/2095	  
	 	904	  	  	 	665772CA5	  	  	Northern States Power Co	  	 	5,000,000	  	  	 	4,991,127	  	  	 	33,542	  	  	 	5,020,220	  	  	 	7/15/2035	  
	 	920	  	  	 	68233DAT4	  	  	Oncor Electric Delivery	  	 	2,500,000	  	  	 	2,814,930	  	  	 	58,333	  	  	 	2,892,940	  	  	 	5/1/2032	  
	 	906	  	  	 	695114BZ0	  	  	Pacificorp	  	 	200,000	  	  	 	199,347	  	  	 	2,217	  	  	 	195,951	  	  	 	6/15/2035	  
	 	906	  	  	 	695114BZ0	  	  	Pacificorp	  	 	50,000	  	  	 	49,837	  	  	 	554	  	  	 	48,988	  	  	 	6/15/2035	  
	 	906	  	  	 	745332BU9	  	  	Puget Sound Energy Inc	  	 	1,000,000	  	  	 	1,000,000	  	  	 	13,708	  	  	 	971,579	  	  	 	6/1/2035	  
	 	906	  	  	 	745332BU9	  	  	Puget Sound Energy Inc	  	 	1,000,000	  	  	 	1,000,000	  	  	 	13,708	  	  	 	971,579	  	  	 	6/1/2035	  
	 	905	  	  	 	74834LAN0	  	  	Quest Diagnostic	  	 	5,000,000	  	  	 	5,394,186	  	  	 	57,917	  	  	 	5,347,255	  	  	 	7/1/2037	  
	 	901	  	  	 	760759AC4	  	  	Republic Services Inc	  	 	4,000,000	  	  	 	3,998,537	  	  	 	12,000	  	  	 	4,093,080	  	  	 	8/15/2011	  
	 	904	  	  	 	773903AC3	  	  	Rockwell Automation Inc	  	 	4,450,000	  	  	 	3,514,756	  	  	 	29,568	  	  	 	3,705,617	  	  	 	1/15/2098	  
	 	904	  	  	 	797440BF0	  	  	San Diego Gas & Electric	  	 	7,000,000	  	  	 	6,992,453	  	  	 	110,269	  	  	 	7,094,710	  	  	 	5/15/2035	  
	 	904	  	  	 	842400FA6	  	  	Southern Cal Ed	  	 	5,000,000	  	  	 	5,017,639	  	  	 	34,181	  	  	 	5,033,645	  	  	 	7/15/2035	  
	 	906	  	  	 	842400FA6	  	  	Southern Cal Ed	  	 	4,000,000	  	  	 	3,998,391	  	  	 	27,344	  	  	 	4,026,916	  	  	 	7/15/2035	  
	 	904	  	  	 	842400FF5	  	  	Southern Cal Ed	  	 	5,000,000	  	  	 	4,883,958	  	  	 	35,458	  	  	 	5,174,540	  	  	 	1/15/2037	  
	 	904	  	  	 	889175BD6	  	  	Toledo Edison Company	  	 	7,750,000	  	  	 	7,810,472	  	  	 	140,340	  	  	 	8,005,983	  	  	 	5/15/2037	  
	 	904	  	  	 	912810FP8	  	  	US Treasury Note	  	 	460,000	  	  	 	486,757	  	  	 	956	  	  	 	528,713	  	  	 	2/15/2031	  
	 	903	  	  	 	9128277L0	  	  	US Treasury Note	  	 	58,000	  	  	 	57,742	  	  	 	109	  	  	 	60,542	  	  	 	2/15/2012	  
	 	903	  	  	 	9128277L0	  	  	US Treasury Note	  	 	150,000	  	  	 	149,332	  	  	 	283	  	  	 	156,574	  	  	 	2/15/2012	  
	 	904	  	  	 	912828AP5	  	  	US Treasury	  	 	150,000	  	  	 	149,617	  	  	 	1,757	  	  	 	158,807	  	  	 	11/15/2012	  
	 	901	  	  	 	912828GK0	  	  	US Treasury	  	 	49,450	  	  	 	49,453	  	  	 	6	  	  	 	51,577	  	  	 	2/29/2012	  
	 	903	  	  	 	912828GK0	  	  	US Treasury	  	 	165,550	  	  	 	165,558	  	  	 	21	  	  	 	172,670	  	  	 	2/29/2012	  
	 	904	  	  	 	912828JG6	  	  	US Treasury	  	 	200,000	  	  	 	202,425	  	  	 	541	  	  	 	212,234	  	  	 	7/31/2013	  









																													
	 Portfolio
	 	  	CUSIP	 	  	 Issuer
	  	Par Value
($)	 	  	Book Value
($)	 	  	Accrued
Interest ($)	 	  	Market
Value ($)	 	  	Maturity
Date	 
	 	904	  	  	 	912828KP4	  	  	US Treasury	  	 	30,000,000	  	  	 	29,970,417	  	  	 	120,787	  	  	 	30,369,150	  	  	 	5/15/2012	  
	 	904	  	  	 	912828KV1	  	  	US Treasury	  	 	1,667,000	  	  	 	1,678,251	  	  	 	9,377	  	  	 	1,717,922	  	  	 	5/31/2014	  
	 	903	  	  	 	912828LM0	  	  	US Treasury	  	 	14,000,000	  	  	 	13,989,089	  	  	 	88,805	  	  	 	14,191,408	  	  	 	9/15/2012	  
	 	903	  	  	 	912828LM0	  	  	US Treasury	  	 	66,000,000	  	  	 	65,944,609	  	  	 	418,653	  	  	 	66,902,352	  	  	 	9/15/2012	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	20,200,000	  	  	 	20,057,116	  	  	 	107,313	  	  	 	20,627,674	  	  	 	11/30/2014	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	11,700,000	  	  	 	11,611,707	  	  	 	62,156	  	  	 	11,947,712	  	  	 	11/30/2014	  
	 	904	  	  	 	912828LZ1	  	  	US Treasury	  	 	19,800,000	  	  	 	19,657,567	  	  	 	105,188	  	  	 	20,219,206	  	  	 	11/30/2014	  
	 	903	  	  	 	912828NS5	  	  	US Treasury	  	 	15,000,000	  	  	 	15,000,425	  	  	 	15,539	  	  	 	15,049,200	  	  	 	6/30/2012	  
	 	904	  	  	 	912828NS5	  	  	US Treasury	  	 	15,000,000	  	  	 	15,000,425	  	  	 	15,539	  	  	 	15,049,200	  	  	 	6/30/2012	  
	 	903	  	  	 	984121BS1	  	  	Xerox Corp	  	 	8,000,000	  	  	 	7,770,476	  	  	 	129,556	  	  	 	8,404,720	  	  	 	5/15/2012	  








 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT THE CONFIDENTIAL PORTION HAS BEEN
OMITTED PURSUANT TO A REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE COMMISSION: [***] 

ANNEX E 
 Allowance
Adjustment 
 For purposes of the determination of the Adjusted Ceding Allowance as contemplated in Section 3 of Amendment No. 2, the parties
agree that the Second Amendment Ceding Allowance shall be adjusted as follows: 
 i. Decreased for ongoing Net Reinsurance Premiums under
Section 4.2 and 4.3 of the Reinsurance Agreement; 
 ii. Increased for ceded reinsurance benefits under Article 7 of the Reinsurance
Agreement, net of recoveries thereon under the terms of any applicable Other Reinsurance; 
 iii. Increased for continuing allowances under
Section 14 of Amendment No. 2; 
 iv. In lieu of investment income, the Second Amendment Ceding Allowance shall be decreased by an
amount of interest on (x) the statutory reserves held for the Second Amendment Additional Policies as of December 31, 2010 less (y) the $[***] at an annual rate equal to [***]%; and 

v. Increased for any increase in the statutory reserves held for the Second Amendment Additional Policies or decreased for any decrease in
such statutory reserves. 
 The amounts in items (i) through (v) above shall be determined based on the Second Amendment Quota Share of such
amounts for the period between January 1, 2011 and the Second Amendment Effective Date and shall be calculated as if Amendment No. 2 had been effective since January 1, 2011; provided that the amount in item (iv) above shall be
determined for the period between January 1, 2011 and the Second Amendment Closing Date. 
 Notes 

All amounts determined exclusive of Extracontractual Obligations. 







 THE USE OF THE FOLLOWING NOTATION IN THIS EXHIBIT INDICATES THAT 

THE CONFIDENTIAL PORTION HAS BEEN OMITTED PURSUANT TO A 

REQUEST FOR CONFIDENTIAL TREATMENT AND THE OMITTED MATERIAL 

HAS BEEN FILED SEPARATELY WITH THE SECURITIES AND EXCHANGE 

COMMISSION: [***] 
  

ANNEX F 
 MATERIAL
LITIGATION3 
  

																									
	 Case
	  	State	  	Attorney	  	Litigation
Type	  	Contract
Type	  	Alleged
Wrongful
Acts	  	Policy
Limits	 	  	Policy
Number	  	Insured	  	Claimant	  	Date
Lawsuit/
Demand
Received	  	Covered by
Amendment
2 or 3
	 [***]
	  	CA	  	[***]	  	Claim	  	Life	  	Dispute over
$300,000 rescinded
policy death benefit	  	$	300,000	  	  	[***]	  	[***]	  	[***]	  	7/2/2010	  	2 and 3
	 [***]
	  	LA	  	[***]	  	Non-Claim	  	Life	  	lawsuit alleges a
failure to properly
notify the
policyholder that his
policy would lapse.	  	$	350,000	  	  	[***]	  	[***]	  	[***]	  	4/16/2010	  	2
	 [***]
	  	MS	  	[***]	  	Claim	  	Life	  	Dispute over
entitlement to death
benefit.	  	$	500,000	  	  	[***]	  	[***]	  	[***]	  	9/12/2008	  	2 and 3
	 [***]
	  	OH	  	[***]	  	Claim -
Disability
Rider	  	Life	  	Improper denial of
disability benefits	  	$	300,000	  	  	[***]	  	[***]	  	[***]	  	10/25/2010	  	2 and 3

  

	3 	Inclusion of policies on this Annex F is without prejudice to the determination of whether such policies are Second Amendment Additional Policies under this Amendment No. 2.