Certain portions of this Exhibit have been omitted pursuant to a request for confidential
treatment. The non-public information has been filed separately with the Securities and Exchange Commission pursuant to Rule 24b-2 under the Securities Exchange Act of 1934, as amended. The omitted portions of this Exhibit are indicated by the
following [*****].

Exhibit 10(e)

LOGO

COINSURANCE AGREEMENT

Quota Share and Excess

No. 3685-19

Between

Kansas
City Life Insurance Company

of Kansas City, Missouri

(Ceding Company)

And

Transamerica Occidental Life Insurance Company

of Cedar Rapids, Iowa

(Reinsurer)

Effective January 19, 2005



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Table of Contents



|    |  |                                           |  |  |    | 
|--- |  | ----------------------------------------- |  |  | -- | 
|    |  | Articles                                  |  |  |    | 
|    |  |                                          
|1   |  | Preamble                                  |  |  | 1  | 
|2   |  | Basis of Reinsurance                      |  |  | 1  | 
|3   |  | Automatic Reinsurance                     |  |  | 2  | 
|4   |  | Procedures for Facultative Reinsurance    |  |  | 3  | 
|5   |  | Liability                                 |  |  | 3  | 
|6   |  | Notification and Reporting of Reinsurance |  |  | 4  | 
|7   |  | Plans of Insurance and Reserves           |  |  | 5  | 
|8   |  | Consideration                             |  |  | 5  | 
|9   |  | Premium Accounting                        |  |  | 6  | 
|10  |  | Reinstatement                             |  |  | 8  | 
|11  |  | Reductions, Terminations and Changes      |  |  | 8  | 
|12  |  | Claims                                    |  |  | 10 | 
|13  |  | Extra Contractual Damages                 |  |  | 12 | 
|14  |  | Increase in Retention and Recapture       |  |  | 13 | 
|15  |  | Insolvency                                |  |  | 14 | 
|16  |  | Arbitration                               |  |  | 15 | 
|17  |  | DAC Tax                                   |  |  | 16 | 
|18  |  | Entire Agreement                          |  |  | 17 | 
|19  |  | Service of Suit                           |  |  | 17 | 
|20  |  | General Provisions                        |  |  | 18 | 
|21  |  | Commencement and Termination              |  |  | 20 | 
|    |  |                                          
|    |  | Schedules                                 |  |  |    | 
|    |  |                                          
|A   |  | Specifications                            |  |  |    | 
|B   |  | Limits                                    |  |  |    | 
|C   |  | Definitions                               |  |  |    | 
|    |  |                                          
|    |  | Exhibit                                   |  |  |    | 
|    |  |                                          
|I   |  | Premium Rates                             |  |  |    | 
|II  |  | Expense Allowances                        |  |  |    | 
|III |  | YRT Rates                                 |  |  |    | 
|IV  |  | Reports                                   |  |  |    | 
|V   |  | X-Factors                                 |  |  |    | 
|VI  |  | Underwriting Requirements                 |  |  |    | 



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Article 1

Preamble

1.01 This Agreement is made and entered into by and between
Kansas City Life Insurance Company (hereinafter referred to as the Ceding Company) and Transamerica Occidental Life Insurance Company (hereinafter referred to as the Reinsurer).

1.02 The Ceding Company and the Reinsurer mutually agree to reinsure on the terms and conditions stated herein. This Agreement is an
indemnity reinsurance agreement and the performance of the obligations of each party under this Agreement shall be rendered solely to the other party.

Article 2

Basis of Reinsurance

2.01 Basis. Reinsurance under this Agreement must be life insurance as described in Schedule A.

2.02 Automatic Reinsurance. The Ceding Company shall cede and the Reinsurer shall automatically reinsure policies issued
under the plans of insurance and other additional benefits described in Schedule A subject to the requirements described in Article 3.

2.03
Facultative Reinsurance. The Ceding Company may submit to the Reinsurer any coverage described in Schedule A for facultative review subject to the procedures described in Article 4.

2.04 Initial Minimum. The initial minimum amount of life reinsurance on any individual policy must be greater than or equal to the amount
stated in Schedule A.

2.05 Subsequent Minimum. If the subsequent amount of life reinsurance net amount at risk falls below the
minimum amount stated in Schedule A on any policy, as of that date all of the life reinsurance on that policy shall terminate.

2.06
Issuance of business. In no event shall the Reinsurer be liable for reinsurance unless the issuance of the insurance by the Ceding Company constituted the transacting of business in a jurisdiction in which the Ceding Company is
properly licensed.





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Article 3

Automatic Reinsurance

3.01 Requirements.



| | a) | The individual risk must be a permanent resident of the United States or its territories.
| | -- | -----------------------------------------------------------------------------------------



| | b) | The individual risk must be HIV tested and fully underwritten by the Ceding Company according to its standard underwriting practices and guidelines.
Any risk falling into the category of special underwriting programs shall be excluded from this Agreement. The Ceding Company will use the underwriting manual, preferred underwriting guidelines, age and amount requirements and internal underwriting
exception guidelines specified in Exhibit VI for business reinsured under this Agreement. Any proposed changes to the Ceding Companys choice of underwriting manual or the items attached in Exhibit VI shall be submitted to the Reinsurer for
written approval prior to implementation. The Ceding Company shall provide the Reinsurers Chief Medical Director with thirty (30) days prior written notice of any other material modifications to the Ceding Companys
underwriting practices, guidelines or manual. If the Reinsurer does not respond within this thirty (30) day period, it shall be presumed that the Reinsurer is agreeable to such modification.
| | -- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | c) | Any risk offered on a facultative basis by the Ceding Company to the Reinsurer or any other company shall not qualify for automatic reinsurance.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------



| | d) | The issue age on any risk must not exceed the limit stated in Schedule A.
| | -- | -------------------------------------------------------------------------



| | e) | The mortality rating on each individual risk must not exceed the limit stated in Schedule A.
| | -- | --------------------------------------------------------------------------------------------



| | f) | The maximum amount of insurance issued and applied for in all companies on each risk (without deductions for replacements) must not exceed the jumbo
limits as stated in Schedule B.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | g) | The maximum amounts of insurance to be reinsured on a life must not exceed the automatic binding limits as stated in Schedule B.
| | -- | --------------------------------------------------------------------------------------------------------------------------------



| | h) | On each life, the Ceding Company must retain 10% of the risk for the plans of insurance listed in Schedule A, up to its retention limit as stated in
Schedule B. If, because of previous retention on other plans, retaining 10% of the risk on these plans will exceed the Ceding Companys retention limit, then the Ceding Company may retain less than 10% of the risk on these plans.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





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Article 4

Procedures for Facultative Reinsurance

4.01 Submission. The
Ceding Company may submit for facultative evaluation any coverage applied for under a plan of insurance described in Schedule A that does not qualify for Automatic Reinsurance or that the Ceding Company prefers to submit on a facultative basis.

4.02 Coverage. An application for facultative reinsurance may include life insurance with or without either
disability waiver of premium or accidental death or both. Only accidental death reinsurance may be submitted without a request for life reinsurance.

4.03 Underwriting Documentation and Acceptance. Copies of all underwriting documentation relating to the insurability of the individual risk submitted for facultative reinsurance must be
sent to the Reinsurer. After the Reinsurer has examined the underwriting documentation sent, it will promptly notify the Ceding Company of its final underwriting acceptance or its underwriting offer subject to additional requirements. The
Reinsurers final underwriting acceptance on the individual risk will automatically terminate when the first of the following situations occurs:



| | a) | The date the Reinsurer receives notice from the Ceding Company of the withdrawal of the Ceding Companys application, or
| | -- | ------------------------------------------------------------------------------------------------------------------------



| | b) | Ninety (90) days after the Reinsurer made its acceptance or
| | -- | -----------------------------------------------------------



| | c) | The expiration date specified in the Reinsurers final underwriting acceptance.
| | -- | -------------------------------------------------------------------------------

Article 5

Liability

5.01 Automatic Reinsurance. The Reinsurers liability for automatic reinsurance shall begin simultaneously with the
Ceding Companys liability. The Reinsurers liability for any policy reinsured on an automatic basis that did not meet the requirements for automatic reinsurance as specified in Article 3 at the time of policy issue shall be limited such
that the Reinsurer would be in the same financial position had the policy been issued as though the requirements for automatic reinsurance had been followed.

5.02 Facultative Reinsurance. The Reinsurers liability for facultative reinsurance on the individual risk shall begin simultaneously with the Ceding Companys liability once the
Reinsurer has accepted in writing the application for facultative reinsurance and the Ceding Company has accepted the Reinsurers offer.





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5.03 Substandard Risk. For any substandard risk, if the Ceding Company and
Reinsurer disagree by more than two tables on the correct rate class, a mutually agreeable third party will decide the appropriate rate class.

5.04 Conditional Receipt. The Reinsurer shall be liable on the coinsurance basis for benefits paid under the Ceding Companys conditional receipt, temporary insurance or other pre-issue
benefit or liability provided the requirements for automatic reinsurance, as stated in Article 3 of this Agreement, are met.

5.05 Termination. The Reinsurers liability for reinsurance on the individual risk shall terminate when the Ceding
Companys liability terminates.

5.06 Liability of Reinsurer. The Reinsurer shall be liable to the Ceding
Company in the same manner as the Ceding Company is liable on the particular policy form(s) reinsured under this Agreement to the extent such terms and conditions are not contrary to the terms and conditions of this Agreement.

5.07 Receipt of Premium. The initial and subsequent reinsurance premiums must be received by the Reinsurer as stated in
Article 9 in order to maintain the Reinsurers liability on each individual risk.

5.08 Backdating. The
Reinsurer agrees to accept reinsurance coverage for policies backdated up to six (6) months prior to the effective date of this Agreement. However, it is agreed that the Reinsurer shall not be liable for any mortality risks on such policies
until the effective date of this Agreement. The Reinsurer agrees to pay allowances with effect from each policys issue date and the Ceding Company agrees to remit reinsurance premiums due from the policy issue date. All claims incurred during
the six month period prior to the effective date of this Agreement are for the Ceding Companys account.

Article 6

Notification and Reporting of Reinsurance

6.01 Notification. The Ceding Company shall notify the Reinsurer of all cessions in a format or structure that would include the data described in Exhibit IV. The Ceding Company shall also
notify the Reinsurer of any increase, reduction or change in existing reinsurance in the manner described in Exhibit IV. The Ceding Company shall notify the Reinsurer of any future changes to the valuation basis and methodology for reserves reported
to the Reinsurer under this Agreement. The Ceding Company shall also notify the Reinsurer of any future changes to the X-factors developed by the Ceding Company for the business reinsured under this Agreement and specified in Exhibit V.

6.02 Electronic Reporting. The Ceding Company shall utilize electronic media for reporting purposes and shall consult with
the Reinsurer to determine an appropriate format. Any subsequent changes to the reporting format shall be approved by the Reinsurer prior to implementation.





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Article 7

Plans of Insurance and Reserves

7.01 Life Reinsurance. Life
reinsurance for both the quota share portion and the excess portion shall be on a coinsurance basis. The Reinsurer must establish and assume liability for all statutory reserves in proportion to its share of the liability. This is required by law in
the State of Missouri.

7.02 Reserves. The Reinsurer shall hold reserves in accordance with the NAIC Valuation
of Life Insurance Policies Model Regulation. The Reinsurer and the Ceding Company agree that the X-factors specified in Exhibit V, which were used to determine the reinsurance premium rates and allowances contained in this Agreement, are appropriate
for the policies reinsured under this Agreement. Any future changes to these X-factors shall be based on the emerging experience of the policies reinsured under this Agreement.

7.03 Disability Waiver Of Premium. Disability Waiver of Premium reinsurance shall be on a coinsurance basis.

7.04 Conversions. Conversions to a permanent plan of insurance shall be reinsured on a yearly renewable term basis.

Article 8

Consideration

8.01 Premiums Paid on a Coinsurance Basis.
The reinsurance premiums paid to the Reinsurer will be the Reinsurers portion of the current premiums (shown in Exhibit I) collected on the particular policies, including substandard table extra and flat extra premiums and the policy fee.

8.02 Premiums Paid on a YRT Basis. The reinsurance premiums paid to the Reinsurer on converted policies will be
determined on the net amount at risk using the YRT premiums shown in Exhibit III, including substandard table extra and flat extra premiums but excluding the policy fee. Premiums will be calculated on a point-in-scale basis using original issue age,
smoking habits and duration since issue. If the new policy is on a plan that is currently reinsured with the Reinsurer, the YRT rates will be the point-in-scale rates in use for that plan.

The life YRT reinsurance rates are guaranteed for one policy year. However, the Reinsurer anticipates continuing to accept reinsurance
premiums on the basis of the rates shown in Exhibit III for reinsurance ceded at these rates. If the Reinsurer deems it necessary to increase rates, such increased rates cannot be higher than the valuation net premiums for yearly renewable term
insurance calculated using the minimum statutory mortality rates and maximum statutory interest rate for each year of issue.





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8.03 Policy Commissions. The Reinsurer shall pay through the Expense
Allowances as described in Section 8.06 below, the Reinsurers share of commissions paid by the Ceding Company for the particular policies reinsured hereunder.

8.04 Premium Tax Reimbursement. The Reinsurer shall not directly reimburse the Ceding Company for the Reinsurers portion of any and all premium taxes assessed the Ceding Company on the
reinsured policies by any state, county, parish or municipal authority. Such reimbursement shall be effected through the Expense Allowances as described in Section 8.06 below.

8.05 Income Tax Reimbursement. The Ceding Company and the Reinsurer agree to remain liable for their respective Federal
Income Tax liabilities, including any Section 848 DAC taxable income that may be incurred by the reinsurance of the particular policies by the Reinsurer.

8.06 Expense Allowances. The Reinsurer shall pay the Ceding Company a fee for expenses in an amount equal to the allowances shown in Exhibit II based on the Reinsurers portion of the
premiums stated above.

8.07 Premium Change. The Ceding Company shall notify the Reinsurer immediately of any
change in the premiums shown in Exhibit I. If the current premium is lowered, the Reinsurer shall have the right to modify the Expense Allowances shown in Exhibit II, subject to the Ceding Companys agreement. The lower current premium will not
be effective until such agreement is reached.

Article 9

Premium Accounting

9.01 Payment of Reinsurance Premiums and Interest Penalties by the Ceding Company.



| | a) | The reinsurance premiums shall be paid to the Reinsurer on the basis stated in Exhibit I.
| | -- | -----------------------------------------------------------------------------------------



| | b) | Within twenty-five (25) days after the close of each month, the Ceding Company shall send the Reinsurer a copy of a statement listing first
year and renewal premiums, expense allowances, benefits, reserves and other data mutually agreed upon by both parties as described in Exhibit IV. If more than one reinsurance agreement exists between the Ceding Company and the Reinsurer, the
statement shall clearly identify the agreement under which the respective policies are reinsured.
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | c) | If the net reinsurance premium balance is payable to the Reinsurer, the Ceding Company must include this payment with the statement. If the net
reinsurance premium balance is not received by the Reinsurer within thirty (30) days after the close of the month, the reinsurance premiums for all of the reinsurance risks listed on the statement will be delinquent.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------





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| | d) | When reinsurance premiums due the Reinsurer are deemed delinquent, as defined in Section 9.01 c) above, a compound interest penalty may be
assessed each month the premiums remain delinquent. Interest shall be calculated from the day following the date the premiums are due and payable to the day such premium payment is mailed or the last day of the accounting period, whichever comes
first, regardless of holidays and weekends. The rate of interest charged each month shall be the lesser of (i) the 30 Day Treasury Bill rate as published in the Money Rate Section or any successor section of the Wall Street Journal on the first
business day following the date the premiums are deemed delinquent or (ii) the maximum rate allowed by law in the State of Missouri. Premiums and interest penalties that remain unpaid shall be carried forward into the next months interest
penalty calculation.
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

9.02 Termination Because of Non-Payment of Premium.



| | a) | When reinsurance premiums are delinquent, the Reinsurer has the right to terminate the reinsurance risks on the statement by giving the Ceding
Company thirty (30) days written notice. As of the close of this thirty-day period, all of the Reinsurers liability shall terminate for:
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | i) | The risks described in the preceding sentence and
| | -- | -------------------------------------------------



| | ii) | The risks where the reinsurance premiums became delinquent during the thirty-day period.
| | --- | ----------------------------------------------------------------------------------------



| | b) | Regardless of these terminations, the Ceding Company shall continue to be liable to the Reinsurer for all unpaid reinsurance premiums earned by the
Reinsurer.
| | -- | --------------------------------------------------------------------------------------------------------------------------------------------------------------

9.03 Reinstatement of a Delinquent Statement. The Ceding Company may reinstate the
terminated risks within sixty (60) days after the effective date of termination by paying the unpaid reinsurance premiums, including the interest penalty as defined above, for the risks in force prior to the termination. However, the Reinsurer
shall not be liable for any claim incurred between the date of termination and reinstatement. The effective date of reinstatement shall be the day the Reinsurer receives the required back premiums and any assessed interest.

9.04 Payment of Reinsurance Premium Balance by the Reinsurer. If the net reinsurance premium balance is payable to the
Ceding Company, the Reinsurer must remit payment to the Ceding Company within thirty (30) days after receiving the statement.

9.05 In Force List. Within sixty (60) days after the close of the calendar year, the Ceding Company shall send the Reinsurer an in force listing of all policies reinsured under this
Agreement. Such listing shall include the data specified in Exhibit IV.





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Article 10

Reinstatement

10.01 Lapses. If insurance lapses for
nonpayment of premium and is reinstated under the terms of the particular policy and the Ceding Companys usual reinstatement practices and procedures, the reinsurance of the particular policy shall be reinstated by the Reinsurer as of the date
of reinstatement. The Ceding Company must pay the Reinsurer all reinsurance premiums and interest in the same manner as the Ceding Company received the insurance premiums and interest under the particular policy.

10.02 Procedure. On a particular policy ceded to the Reinsurer on an automatic basis, reinstatement of reinsurance shall be
automatic. On a particular policy ceded on a facultative basis, reinstatement of reinsurance shall require written approval of the Reinsurer in the event that the policy was not reinstated within the time limit mandated by the policy.

Article 11

Reductions, Terminations and Changes

11.01Replacement or Change. If there is a contractual or non-contractual replacement or change in a particular policy reinsured under this Agreement, including, but not limited to,
conversions or exchanges where full underwriting evidence according to the Ceding Companys regular underwriting rules is not required or plans of internal replacement where full underwriting evidence is required, the policy shall continue to
be reinsured by the Reinsurer under this Agreement provided it meets the initial minimum amount stated in Schedule A. Future premiums shall be calculated on a point-in-scale basis using the applicable rates in the Agreement.

11.02 Early Recapture. If at the time of a non-contractual replacement or change as described in 11.01 above, the Ceding
Company elects not to continue to reinsure a particular policy with the Reinsurer, the Ceding Company must pay the Reinsurer an early recapture charge which shall be a mutually acceptable reasonable actuarial representation of the Reinsurers
estimated present value of future profits under this Agreement.

11.03 Increase in Face Amount. If the face
amount of a particular policy reinsured under this Agreement increases and



| | a) | The increase is subject to new underwriting evidence and
| | -- | --------------------------------------------------------



| | i) | The original policy was reinsured automatically, the provisions of Article 3 shall apply to the increase in reinsurance.
| | -- | ------------------------------------------------------------------------------------------------------------------------



| | ii) | The original policy was reinsured facultatively, the provisions of Article 4 shall apply to the increase in reinsurance.
| | --- | ------------------------------------------------------------------------------------------------------------------------





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| | b) | The increase is not subject to new underwriting evidence, the Reinsurer shall accept automatically the increase in reinsurance but not to exceed the
automatic binding limits as stated in Schedule B.
| | -- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

11.04 Procedure for Increase or Reduction in Face
Amount. If the face amount of a particular policy reinsured under this Agreement is increased or reduced, the reinsurance shall first be increased or reduced proportionally on the quota share portion for the particular policy involved and
any excess portion reinsured shall then be appropriately increased or reduced.

11.05 Reduction or Termination of
Retained Amount. If any portion of the total face amount of a particular policy retained by the Ceding Company reduces or terminates, any excess reinsurance under this Agreement based on the same life shall also be reduced or terminated. The
Ceding Company shall reduce its excess reinsurance by applying the maximum retention limits that were in effect at the time the policy was issued. The Ceding Company shall not be required to retain an amount in excess of its maximum retention limit
for the age, mortality rating and risk classification at the time of issue for any policy on which reinsurance is being reduced.

11.06 Procedure for Reduction or Termination of Retained Amount. The Ceding Company must first reduce the excess reinsurance of the particular policy that has the same mortality rating as
the terminated insurance. If further reduction is required, the excess reinsurance to be terminated or reduced shall be effected in the inverse order in which the particular policy was first reinsured.

11.07 More Than One Reinsurer. If the reinsurance of a particular policy is shared by more than one reinsurer, the
Reinsurers percentage of the increased or reduced reinsurance shall be the same as its initial percentage of reinsurance of the policy.

11.08 Termination. If a particular policy reinsured under this Agreement is terminated, the reinsurance for the policy shall be terminated on the effective date of termination.

11.09 Facultative Change. On facultative reinsurance, if the Ceding Company wishes to reduce the mortality rating on
a particular policy, this reduction shall be subject to the facultative provisions of this Agreement.

11.10
Refund. The Reinsurer shall refund to the Ceding Company all unearned reinsurance premiums, less applicable allowances but excluding policy fees, arising from reductions, terminations and changes as described in this Article.

11.11 Extended Term or Reduced Paid-Up. If applicable, changes as a result of extended term or reduced paid-up
shall be handled the same as reductions as described above.





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Article 12

Claims

12.01 Notification. The Ceding Company shall
promptly notify the Reinsurer in writing whenever the Ceding Company has received notice of a claim where reinsurance under this Agreement is involved. If a survivor life plan is involved, the Ceding Company shall notify the Reinsurer of each death
as soon as possible after it has occurred.

12.02 Liability. The Reinsurers liability for the insurance
benefits reinsured under this Agreement shall be subject to the same terms and conditions of the particular policy under which the Ceding Company is liable.

12.03 Contestable Period or Incontestable Period (Face Amount $1,000,000 or Greater). If a claim is made within the contestable period, as defined in the particular policy, or under the
incontestable period where the face amount of the amount of the policy issued is greater than $1,000,000, or the amount of reinsurance ceded to the Reinsurer on the policy is equal to or greater than $500,000, or claims for which the Ceding Company
retained less than its usual retention on the policy, the Ceding Company shall await the Reinsurers opinion before admitting any liability or making any settlement with the claimant. The Ceding Company must submit a copy of all papers
connected with the claim to the Reinsurer. After the Reinsurer has reviewed all the claim papers, the Reinsurer shall provide the Ceding Company with an opinion as to how the Reinsurer would have handled the claim had it been the Reinsurers
claim. The Reinsurer shall provide the Ceding Company with an opinion within ten (10) working days after the Reinsurer has received a copy of all papers connected with the claim. If the Reinsurer does not respond within this ten-day period, it
shall be presumed that the Reinsurer is agreeable to the payment of the claim. However, given the Ceding Companys relationship with its claimant, the Ceding Company is not obligated to follow the Reinsurers opinion.

12.04 Incontestable Period (Face Amount Less Than $1,000,000). The Reinsurer shall accept the decision of the Ceding
Company on the payment of a claim provided all of the following criteria are met:



| | i) | the claim is made within the incontestable period; and
| | -- | ------------------------------------------------------



| | ii) | the total face amount of insurance issued is less than $1,000,000; and
| | --- | ----------------------------------------------------------------------



| | iii) | the amount of reinsurance ceded to the Reinsurer on the policy is less than $500,000.
| | ---- | -------------------------------------------------------------------------------------

Notwithstanding the foregoing, the Reinsurer retains the right to request and receive all claim documentation on any claim. If the claim
involves a death in a foreign country or suspected fraud, the Ceding Company will provide the same documentation as that specified for contestable claims in Section 12.03.

12.05 Payment. The Ceding Company shall provide the Reinsurer with proper claim papers and proofs when requesting payment.
The Reinsurer shall pay its share of each claim in a lump sum without regard to the form of claim settlement by the Ceding Company.

12.06 Interest. If the Ceding Company is obliged by applicable state law or court order to pay interest from a specified date, such as the date of death of an insured, on a particular
policy, the Reinsurer shall pay its share of the claim at the same rate and for the same period as that which the Ceding Company is required, excluding extra-contractual obligations.





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12.07 Contest, Compromise or Litigation. The Ceding Company shall promptly
notify the Reinsurer in writing of the Ceding Companys intention to contest, compromise or litigate a claim. The Ceding Company shall provide the Reinsurer with all papers and the Reinsurer shall have an opportunity to review the papers.
Within fifteen (15) working days after receipt of all the necessary papers, the Reinsurer shall have the following options:



| | a) | Decline to participate in the contest, compromise or litigation of the claim. The Reinsurer shall thereafter discharge its liability with respect to
any contested, compromised or litigated claim by paying to the Ceding Company the Reinsurers proportionate share of the claim as if there had been no controversy. Upon such discharge, the Reinsurer shall not be liable for any portion of any
routine expenses or non-routine expenses, as defined in Section 12.08, incurred with respect to such claim, nor shall the Reinsurer share in any reduced settlement.
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) | After consultation with the Ceding Company, the Reinsurer agrees to pay its share based on the results of the contest, compromise or litigation
(agreement to be communicated by the Reinsurer to the Ceding Company in writing). The Reinsurer will pay its share of all routine expenses and non-routine expenses, as defined in Section 12.08, of the contest, compromise
or litigation.
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

12.08 Routine/Non-Routine Expenses. For the purpose of this Article, the term
routine expenses shall mean fees, charges, costs and expenses of retained legal and investigative personnel, excluding employees, that are incurred in rescinding a policy, contesting a policy or litigating a claim. The term
non-routine expenses of the contest shall mean any penalties, attorneys fees and interest imposed automatically by statute against the Ceding Company which arise solely out of any judgment rendered against the Ceding Company in a
suit for policy benefits. However, non-routine expenses shall not include extra-contractual damages. Notwithstanding the foregoing definitions, the Reinsurer shall not be liable for any office expenses or salaries or expenses of
employees of the Ceding Company or of any subsidiary or affiliate of the Ceding Company, incurred in connection with the administration of the business reinsured pursuant to this Agreement or the disposition of a claim, loss or legal proceeding
(including investigation, negotiation) legal expenses and court costs).

12.09 Misstatement of Age or Sex. If
the amount of insurance provided by any policy or policies reinsured hereunder is increased or reduced because of a misstatement of age or sex that is established after the death of the insured, the Reinsurer shall share in the increase or reduction
in the proportion that the net liability of the Reinsurer bears to the total of the net liability of the Ceding Company and the net liability of all reinsurers, including the Reinsurer, immediately prior to such increase or reduction. The
reinsurance shall be restructured from commencement on the basis of the adjusted amount using premiums and reserves for the correct age or sex. The adjustment for the difference in reinsurance premiums and any associated commissions or allowances,
dividends, policy value or reserves shall be made without interest.

12.10 Waiver of Premium. In the case of a
disability waiver of premium claim, the Reinsurer shall reimburse the Ceding Company for its proportionate share of the Ceding Companys annual liability actually waived. The Ceding Company shall continue to pay the Reinsurer the reinsurance
premiums on the policy.





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Article 13

Extra-Contractual Damages

13.01 Definitions. For purposes
of this Article, the following are definitions of elements of extra-contractual damages:



| | a) | Punitive Damages are those damages awarded as a penalty, the amount of which is not governed or fixed by statute;
| | -- | -------------------------------------------------------------------------------------------------------------------



| | b) | Statutory Damages are those amounts awarded as a penalty, but are fixed in amount by statute;
| | -- | -----------------------------------------------------------------------------------------------



| | c) | Compensatory Damages are those amounts awarded to compensate for actual damages sustained and are not awarded as a penalty or fixed in
amount by statute.
| | -- | -----------------------------------------------------------------------------------------------------------------------------------------------------------

13.02 Extra-Contractual Damages. Extra-contractual damages are defined as
punitive, statutory or compensatory damages due to the Ceding Companys negligence, oppression, malice, fault, wrongdoing or bad faith in connection with an award against the Ceding Company in excess of the limits of the policy reinsured as a
result of, but not limited to, an act, omission or course of conduct committed solely by the Ceding Company in connection with the benefits payable under a particular policy reinsured under this Agreement.

13.03 Exception. Except as provided in Section 13.04, the Reinsurer shall not be liable for any extra-contractual
damages.

13.04 Assessment of Damages. The Reinsurer recognizes that circumstances may arise under which the
Reinsurer, in equity, should share, to the extent permitted by law, in paying certain assessed damages. The Reinsurer may be liable for any punitive, statutory or compensatory damages awarded or assessed against the Ceding Company if the Reinsurer
elected to join in the contest, litigation or denial of the claim, in writing, and actively directed, participated in, consented to or ratified the act, error, omission or course of conduct of the Ceding Company that ultimately resulted in the award
or assessment of punitive, statutory or compensatory damages. The extent of such sharing is dependent on the good faith assessment of culpability in each case, but all factors being equal, the division of such assessment would be in proportion to
what impact the Reinsurers opinion had on such damages.

13.05 Legal Fees. If the Reinsurer has liability
for damages as stated in Section 13.04, the Reinsurer shall reimburse the Ceding Company for its share of reasonable legal fees incurred in defense of punitive, statutory or compensatory damages.





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Article 14

Increase in Retention and Recapture

14.01 The reinsurance under this
Agreement shall be maintained in force without reduction except as specifically provided for in this Agreement.

14.02 If the
Ceding Company increases its retention limit as stated in Schedule B, written notice of the increase shall be given to the Reinsurer within thirty (30) days of such increase.

14.03 The Ceding Company shall have the option of recapturing the reinsurance under this Agreement in the event the Ceding Company
increases its retention limit. The Ceding Company may exercise its option to recapture by giving written notice to the Reinsurer within ninety (90) days after the effective date of the retention limit increase. If the recapture option is not
exercised within ninety (90) days after the effective date of the increase, the Ceding Company may choose to recapture not later than two (2) years after the date the retention limit increases.

14.04 If the Ceding Company exercises its option to recapture, then the following rules apply:



| | a) | The Ceding Company shall reduce all eligible excess reinsurance on each individual risk on which it retained its retention limit for the age and
mortality rating that was in effect at the time the excess reinsurance was ceded.
| | -- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | b) | The Ceding Company shall increase its total amount of insurance on the individual risk up to its new retention limit by reducing the amount of
excess reinsurance. If an individual risk is shared by more than one reinsurer, the Reinsurers percentage of the reduced excess reinsurance shall be the same as the Reinsurers initial percentage of excess reinsurance on the individual
risk.
| | -- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------



| | c) | No reduction of excess reinsurance due to recapture shall occur until the later of the following dates:
| | -- | -------------------------------------------------------------------------------------------------------



| | i) | The policy anniversary date immediately following the effective date the recapture program begins and
| | -- | -----------------------------------------------------------------------------------------------------



| | ii) | The number of years stated in Schedule A starting with the original policy date.
| | --- | ----------------------------------------------------------------------------------

14.05 Reinsurance shall not be eligible for recapture on an individual risk if (a) the Ceding Company retained less than its
retention limit for the age and mortality rating in effect at the time the reinsurance was ceded to the Reinsurer, or if (b) the Ceding Company did not retain any of the individual risk.

14.06 In the event the Ceding Company overlooks any reduction in the amount of reinsurance on a particular policy because of an increase
in the Ceding Companys retention limit, the acceptance by the Reinsurer of reinsurance premiums under these circumstances shall not constitute a liability on the part of the Reinsurer for such reinsurance. The Reinsurer shall be liable only
for a refund of premiums.





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14.07 If there is a Waiver of Premium claim in effect when recapture takes place, the Waiver
of Premium claim shall continue in effect until the Waiver of Premium claim terminates. The Reinsurer shall not be liable for any other benefits, including the basic life risks that are eligible for recapture. All such eligible benefits shall be
recaptured as if there were no Waiver of Premium claim.

14.08 If there is an extension of that Waiver of Premium claim under
the terms of the Ceding Companys policy, the Reinsurer shall pay its share of the Waiver of Premium claim, provided the Ceding Company continues to pay to the Reinsurer all Waiver of Premium premiums for the period from the date of recapture.

14.09 Payments required upon recapture by the Ceding Company are described in Section 21.05.

Article 15

Insolvency

15.01 In the event of the Ceding Companys insolvency and the appointment of a conservator, liquidator, or statutory successor, the portion of any risk or obligation assumed by the Reinsurer shall be
payable to the conservator, liquidator, or statutory successor on the basis of claims allowed against the Ceding Company by any court of competent jurisdiction or by any conservator, liquidator, or statutory successor of the company having authority
to allow such claims, without diminution because of that insolvency, or because the conservator, liquidator, or statutory successor has failed to pay all or a portion of any claims. Payments by the Reinsurer as set forth in this Section shall be
made directly to the Ceding Company or to its conservator, liquidator, or statutory successor, except where the contract of insurance or reinsurance specifically provides another payee of such reinsurance in the event of the Ceding Companys
insolvency.

15.02 In the event of the Ceding Companys insolvency, the conservator, liquidator, or statutory successor shall give
written notice of the pendency of a claim against the Ceding Company on any policies reinsured within a reasonable time after such claim is filed. The Reinsurer may interpose, at its own expense, in the proceeding where such claim is to be
adjudicated, any defense or defenses which it may deem available to the Ceding Company or its conservator, liquidator, or statutory successor.

15.03 The expenses incurred by the Reinsurer shall be chargeable, subject to court approval, against the Ceding Company as part of the expense of conservation or liquidation to the extent of a
proportionate share of the benefit which may accrue to the Ceding Company in conservation or liquidation, solely as a result of the defense undertaken by the Reinsurer. Where two or more reinsurers are involved in the same claim and a majority in
interest elect to interpose a defense or defenses to this claim, the expense shall be shared as though such expense had been incurred by the Ceding Company.

15.04 This Insolvency clause shall not preclude the Reinsurer from asserting any excuse or defense to payment of this reinsurance other than the excuses or defenses of the insolvency of the Ceding Company
and the failure of the Ceding Companys liquidator, receiver, conservator or statutory successor to pay all or a portion of any claim.





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Article 16

Arbitration

16.01 As a condition precedent to any right of action
hereunder, any dispute or difference between the Ceding Company and the Reinsurer relating to the interpretation or performance of this Agreement, including its formation or validity, or any transaction under this Agreement, whether arising before
or after termination, shall be submitted to arbitration. Arbitration shall be the method of dispute resolution, regardless of the insolvency of either party, unless the conservator, receiver, liquidator or statutory successor is specifically
exempted from arbitration proceeding by applicable stale law of the insolvency.

16.02 Arbitration shall be initiated by the
delivery of written notice of demand for arbitration by one party to another. Such written notice shall contain a brief statement of the issue(s), the failure on behalf of the parties to reach amicable agreement and the date of demand for
arbitration.

16.03 The arbitrators and umpire shall be present or former disinterested officers of life reinsurance or
insurance companies other than the two parties to the Agreement or any company owned by, or affiliated with, either party. Each party shall appoint an individual as arbitrator and the two so appointed shall then appoint the umpire. If either party
refuses or neglects to appoint an arbitrator within thirty (30) days, the other party may appoint the second arbitrator. If the two arbitrators do not agree on an umpire within sixty (60) days of the appointment of the second appointed
arbitrator, each of the two arbitrators shall nominate three individuals. Each arbitrator shall then decline two of the nominations presented by the other arbitrator. The umpire shall be chosen from the remaining two nominations by drawing lots.

16.04 The arbitration hearings shall be held in the city in which the Ceding Companys head office is located or any
such other place as may be mutually agreed. Each party shall submit its case to the arbitrators and umpire within one hundred and eighty (180) days of the selection of the umpire or within such longer period as may be agreed.

16.05 The arbitration panel shall make its decision with regard to the custom and usage of the insurance and reinsurance business. The
arbitration panel shall interpret this Agreement as an honorable engagement; they are relieved of all judicial formalities and may abstain from following strict rules of taw. The arbitration panel shall be solely responsible for determining what
shall be considered and what procedure they deem appropriate and necessary in the gathering of such facts or data to decide the dispute.

16.06 The decision in writing of the majority of the arbitration panel shall be final and binding upon the parties. Judgment may be entered upon the final decision of the arbitration panel in any court
having jurisdiction.

16.07 The jointly incurred costs of the arbitration are to be borne equally by both parties. Jointly
incurred costs are specifically defined as any costs that are not solely incurred by one of the parties (e.g., attorneys fees, expert witness fees, travel to the hearing site, etc.). Costs incurred solely by one of the parties shall be borne
by that party. Once the panel has been selected, the panel shall agree on one billable rate for each of the arbitrators and umpire and that sole cost shall be disclosed to the parties and become payable as a jointly incurred cost as described above.





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16.08 If more than one reinsurer is involved in the same dispute, all such reinsurers shall
constitute and act as one party for the purposes of this Arbitration Article, provided however, that nothing herein shall impair the rights of such reinsurers to assert several, rather than joint, defenses or claims, nor be construed as changing the
liability under the terms of the Agreement from several to joint.

Article 17

DAC Tax

Section 1.848-2(g)(8) Election

17.01 If applicable, both parties agree to the following pursuant to Section 1.848-2(g) (8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue
Code of 1986, as amended. This election shall be effective for all subsequent taxable years for which this Agreement remains in effect.

17.02 The term party shall refer to either the Ceding Company or the Reinsurer as appropriate.

17.03 The terms used in this Article are defined by reference to Section 1.848-2 of the Income Tax Regulations in effect December 1992.

17.04 The party with the net positive consideration for this Agreement for each taxable year shall capitalize specified policy
acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c) (1) of the Internal Revenue Code of 1986.

17.05 Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency or as otherwise required by the Internal Revenue
Service.

17.06 The Ceding Company shall 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 shall be accompanied by a statement signed by one of the Ceding Companys officers stating that the Ceding Company shall report such net consideration in its
tax return for the preceding calendar year.

17.07 The Reinsurer may contest such calculation by providing an alternative
calculation to the Ceding Company in writing within thirty (30) days of the Reinsurers receipt of the Ceding Companys calculation. If the Reinsurer does not so notify the Ceding Company, the Reinsurer shall report the net
consideration as determined by the Ceding Company in the Reinsurers tax return for the previous calendar year.

17.08 If
the Reinsurer contests the Ceding Companys calculation of the net consideration, both parties shall act in good faith to reach an agreement as to the correct amount within thirty (30) days of the date the Reinsurer submits its alternative
calculation. If both parties reach agreement on an amount of net consideration, each party shall report such amount in its respective tax returns for the previous calendar year.





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Article 18

Entire Agreement

18.01 This Agreement supersedes any and all prior
discussions and understandings between the parties and, upon its execution, constitutes the sole and entire Agreement with respect to the reinsurance provided hereunder. There are no understandings between the parties other than as expressed in this
Agreement. Any change or modification to the Agreement shall be null and void unless effected by a writing subscribed by both the Ceding Company and the Reinsurer. Any waiver shall constitute a waiver only in the circumstances for which it was given
and shall not be a waiver of any future circumstance.

Article 19

Service of Suit

19.01 It is agreed that in the event the obligations under this Agreement are not performed by the Reinsurer, at the request of the Ceding Company, the Reinsurer shall submit to the jurisdiction of any
court of competent jurisdiction within the United States and shall comply with all the requirements necessary to give that court jurisdiction. All matters arising under this Agreement shall be determined in accordance with the law and practice of
such court. Nothing in this clause constitutes or should be understood to constitute a waiver of the Reinsurers rights to commence an action in any court of competent jurisdiction in the United States, to remove an action to a United States
District Court, or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. Service of process, in any such suit, may be made upon any then duly elected officer of the
Reinsurer (agent for service of process) at 401 North Tryon Street, Suite 800, Charlotte, North Carolina 28202. The Reinsurer shall abide by the final decision of such court or of any appellate court in the event of an appeal, for any suit
instituted against the Reinsurer under this Agreement.

19.02 The agent for service of process is authorized and directed to
accept service of process on behalf of the Reinsurer in any such suit and/or upon the request of the Ceding Company, give a written undertaking to the Ceding Company that the agent will enter a general appearance on behalf of the Reinsurer in the
event such a suit is instituted.

19.03 The Reinsurer hereby designates the Superintendent, Commissioner or Director of
Insurance or his successor or successors in office, for the State of Iowa, as its true and lawful agent for service of process (in addition to the above named agent), who may be served any lawful process in any action, suit or proceeding instituted
by or on behalf of the Ceding Company or any beneficiary arising out of this Agreement, and hereby designates the above named as the person to whom the Ceding Company is authorized to mail such process or a true copy thereof.





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Article 20

General Provisions

20.01 Inspection of Records. Either
company, their respective employees or authorized representatives, may audit, inspect and examine, during regular business hours, at the home office of either company, any and all books, records, statements, correspondence, reports, trust accounts
and their related documents or other documents that relate to the policies covered hereunder. The audited party agrees to provide a reasonable work space for such audit, inspection or examination and to cooperate fully and to faithfully disclose the
existence of and produce any and all necessary and reasonable materials requested by such auditors, investigators, or examiners. The company performing a routine audit shall provide five (5) working days advance notice to the other party. The
expense of the respective partys employee(s) or authorized representative(s) engaged in such activities will be borne solely by such party.

20.02 Representations and Warrants. The Ceding Company and the Reinsurer agree that all matters with respect to this Agreement require their utmost good faith. Each party represents and
warrants to the other party that it is solvent on a statutory basis in all jurisdictions in which it does business or is licensed. Each party agrees to promptly notify the other party of any material change in its financial condition. The Reinsurer
has entered into this Agreement in reliance upon the Ceding Companys representations and warranties. Each party affirms that it has and will continue to disclose all matters material to this Agreement and each cession. Examples of such matters
are a material change in underwriting or issue practices or philosophy or a change in each partys ownership or control.

20.03 Assignment or Transfer. Neither this Agreement nor any reinsurance under this Agreement shall be sold, assigned or
transferred by the Ceding Company without prior written consent of the Reinsurer. Such approval shall not unreasonably be withheld. If it is determined that such sale, assignment or transfer would result in a material adverse economic impact to the
Reinsurer, and the Reinsurer so objects, this Agreement shall be terminated with respect to all policies reinsured under this Agreement. The Ceding Company and the Reinsurer agree to mutually calculate a termination charge that shall be paid by the
Ceding Company to the Reinsurer upon the transfer. The provisions of this Section 20.03 are not intended to preclude the Reinsurer from retroceding the reinsurance on an indemnity basis.

20.04 Severability. If any term or provision under this Agreement shall be held or made invalid, illegal or unenforceable
by a court decision, statute, rule or otherwise, such term or provision shall be amended to the extent necessary to conform with the law and all of the other terms and provisions of this Agreement shall remain in full force and effect. If the term
or provision held to be invalid, illegal or unenforceable is also held to be a material part of this Agreement, such that the party in whose favor the material term or provision was stipulated herein would not have entered into this Agreement
without such term or provision, then the party in whose favor the material term or provision was stipulated shall have the right, upon such bolding, to terminate this Agreement.

20.05 Parties to Agreement. This Agreement is solely between the Ceding Company and the Reinsurer. There is no third party
to this Agreement. Reinsurance under this Agreement shall not create any right or legal relationship between the Reinsurer and any other person, for example,





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any insured, policy owner, agent, beneficiary or assignee. The Ceding Company further agrees that it will not make the Reinsurer a party to any litigation between any such third party and the
Ceding Company.

20.06 Offset. All monies due either company under this Agreement may be offset against each
other, dollar for dollar, regardless of any insolvency of either party unless otherwise prohibited by law. If the Reinsurer advances payment through offset of any claim it is contesting and prevails in the contest, the Ceding Company shall return
such payment plus interest calculated as per the provisions of Section 9.01 d) of this Agreement.

20.07 Governing
Law. In the event of litigation, the parties shall submit to the competent jurisdiction of a court in the State of Missouri and shall abide by the final decision of such court. This Agreement shall be governed as to performance,
administration and interpretation by the laws of the State of Missouri, exclusive of the rules with respect to conflicts of law. In all cases, the State of Missouri applies with respect to rules for credit for reinsurance.

20.08 Other Laws. It is the intention of the Ceding Company and the Reinsurer to comply with all applicable laws, statures,
regulations and rules. The Ceding Company is responsible for compliance with all such laws, statutes, regulations and rules applicable to the sale and solicitation of policies reinsured under this Agreement including, but not limited to, the
requirements of the USA PATRIOT Act and the United States Department of the Treasurys Office of Foreign Asset Control (hereinafter referred to as OFAC). Should either party receive information that a policy reinsured under this
Agreement may insure or be owned, transferred or payable to or be brokered or sold by a Specially Designated National (hereinafter referred to as SDN), as such term is defined by OFAC, that party shall provide such information to the
other party. In no event shall the Reinsurer be liable for reinsurance unless the issuance of insurance by the Ceding Company met the OFAC regulatory requirements. No reinsurance claim shall be payable on a policy insuring, owned by or payable to a
SDN that does not hold a valid OFAC license.

20.09 Expenses. The Ceding Company shall pay the expense of all
medical examinations, inspection fees and other charges in connection with the issuance of the insurance.

20.10 Errors
and Omissions. Unintentional clerical errors, omissions or misunderstandings in the administration of this Agreement by either the Ceding Company or the Reinsurer shall not invalidate the reinsurance hereunder provided the error, omission or
misunderstanding is corrected promptly after discovery. Both companies shall be restored, to the extent possible, to the position they would have occupied had the error, omission or misunderstanding not occurred, but the liability of the Reinsurer
under this Agreement shall in no event exceed the limits specified herein.

20.11 Schedules, Exhibits and Section
Headings. Schedules and Exhibits attached hereto are made a part of this Agreement. Section headings are provided for reference purposes only and are not made a part of this Agreement.

20.12 Definitions. The definitions that apply in the interpretation of this Agreement are located in Schedule C.





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Article 21

Commencement and Termination

21.01 This Agreement shall be effective as
of January 19, 2005, and shall remain in force for an indefinite period. Either the Ceding Company or the Reinsurer may terminate the Agreement with respect to new business by giving ninety (90) days written notice by certified or
registered mail to the other party. The day the notice is deposited in the mail addressed to an officer of the other company shall be the first day of the ninety-day period. Notwithstanding the foregoing, in the event either company materially
breaches its obligations under this Agreement, the other party may immediately terminate this Agreement for new business, in addition to all other available rights and remedies.

21.02 During this ninety-day period, the Reinsurer shall continue to accept and the Ceding Company shall continue to cede any new
policies issued prior to the termination of this ninety-day period.

21.03 All reinsurance that has been placed in effect
prior to the expiration date set forth in the notice shall remain in effect in accordance with the terms of this Agreement until the reinsured policys natural expiration or as specified otherwise in this Agreement.

21.04 This Agreement shall automatically terminate on the date the Ceding Companys liability on the last policy reinsured hereunder
terminates. The monthly settlement statement described in Section 9.01 b) shall be prepared by the Ceding Company and sent to the Reinsurer within twenty-five (25) days after the date of termination. For purposes of this section, the date
of termination shall be defined as the last day of the month in which the last policy terminates. Payment of any and all amounts owed by the Ceding Company to the Reinsurer shall be included with the statement. Payment of any and all amounts owed by
the Reinsurer to the Ceding Company shall be made within thirty (30) days after receiving the statement.

21.05 Should
this Agreement be terminated in accordance with Section 9.02, Article 14 or by mutual agreement of the parties, the Ceding Company shall prepare the monthly settlement statement described in Section 9.01 b) for the period beginning with
the end of the previous month for which settlement has been made and ending with the effective date of termination or recapture. In the event termination is effected in accordance with Section 9.02 or by mutual agreement of the parties, the
Reinsurer shall recover any unamortized acquisition expenses and the estimated present value of future profits (which shall not be less than $0) under this Agreement. In the event termination is effected in accordance with Article 14, the Reinsurer
shall recover any unamortized acquisition expenses. Payment of any amounts due the Reinsurer shall be included with the statement. The Reinsurer shall pay any amounts due the Ceding Company within thirty (30) days after receiving the terminal
settlement statement. If only a portion of the policies reinsured hereunder are recaptured as described in Article 14, the settlement described above shall apply only with respect to those policies recaptured.

21.06 This Agreement may be executed simultaneously in any number of counterparts, each of which shall be deemed an original, but all of
which shall constitute one and the same instrument.





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|                         |  |                                |  |                               |  |     |  |                                                |  | 
|------------------------ |  | ------------------------------ |  | ----------------------------- |  | --- |  | ---------------------------------------------- |  | 
|Executed in duplicate by |  |                                |  | Executed in duplicate by      |  |    
|Kansas City Life         |  |                                |  | Transamerica Occidental       |  |    
|Insurance Company        |  |                                |  | Life Insurance Company        |  |    
|at Kansas City, Missouri |  |                                |  | at Charlotte, North Carolina, |  |    
|                         |  |                                | 
|on October 27, 2005.     |  |                                |  | on June 1, 2005.              |  |    
|                         |  |                                |  |                               | 
|By:                      |  | /s/ Donald C. Remfert          |  |                               |  | By: |  | /s/ Glenn Cunningham                           |  | 
|                         |  | Title: AVP & Associate Actuary |  |                               |  |     |  | Title: Vice President                          |  | 
|                         |  |                                |  |                               | 
|By:                      |  | /s/ Robert J. Milroy           |  |                               |  | By: |  | /s/ James Grover                               |  | 
|                         |  | Title: VP Underwriting & NB    |  |                               |  |     |  | Title: Assoc. General Counsel & Vice President |  | 





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Schedule A

Specifications



|                                                                           |                                                         |                                                                                                                                                                                                 
|-------------------------------------------------------------------------- | ------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1.      Type of Business                                                   |                                                         | Individual life insurance and waiver of premium issued directly by Ceding Company                                                                                                               
|                                                                           |                                                        
|2.      Plans of Insurance                                                 |                                                         | Pool 1  Level Term 10 & 20                                                                                                                                                                     
|                                                                           |                                                         | Pool 2  Level Term 15 & 30; Level Term Advantage 10,
15, 20, & 30                                                                                                                              
|                                                                          
|                                                                           |                                                        
|3.      Basis of Reinsurance Ceding Companys Share
Reinsurers Pool Share |                                                         | Quota Share and Excess                                                                                                                                                                          
|                                                                           | 10% Quota Share                                        
|                                                                           | 54% Quota Share and 60% Excess Share (Pool 1 Products) 
|                                                                           | 81 % Quota Share and 90% Excess Share (Pool 2 Products)
|                                                                           |                                                        
|4.      Maximum Issue Age                                                  |                                                         | 10 Year Term: 18  75                                                                                                                                                                           
|                                                                           |                                                         | 15 Year Term: 18  70                                                                                                                                                                           
|                                                                           |                                                         | 20 Year Term: 18  65                                                                                                                                                                           
|                                                                           |                                                         | 30 Year Term: 18  50                                                                                                                                                                           
|                                                                           |                                                        
|5.      Maximum Mortality                                                  |                                                         | Each individual risk must not exceed Table 16, Table P,                                                                                                                                         
|                                                                           |                                                         | 500% or its equivalent on a flat extra premium basis                                                                                                                                            
|                                                                           |                                                        
|6.      Minimum Amounts
Initial - Facultative                              |                                                         | $100,000                                                                                                                                                                                        
|                                                                           |                                                        
|7.      Years to Recapture                                                 |                                                         | 5 years after the end of the level period, and only upon an increase in the Ceding Companys maximum
retention limit. Only the portion ceded on an excess basis shall be eligible for recapture.
|                                                                          





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Schedule B

Limits



|                                                            |         |                      |   |                |  |  |               |           |  |  |  | 
|----------------------------------------------------------- | ------- | -------------------- | - | -------------- |  |  | ------------- | --------- |  |  |  | 
|1.      Ceding Companys Retention:                         |         |                      |   |                |  |  |               |           |  |  |  | 
|                                                            |         |                      |   |               
|                                                            |         | Ages                 |   | Std.  Table 6 |  |  | Tables 7  16 |           |  | 
|                                                            | 20  65 |                      | $ | 350,000        |  |  | $             | 200,000   |  | 
|                                                            | 66  75 |                      | $ | 250,000        |  |  | $             | 100,000   |  | 
|                                                            |         |                      |   |               
|2.      Pool Binding (includes Ceding Companys
Retention): |         |                      |   |                |  |  |               |           |  |  |  | 
|Life                                                        |         |                      |   |                |  |  |               |           |  |  |  | 
|                                                            |         |                      |   |               
|                                                            |         | Ages                 |   | Std.  Table 6 |  |  | Tables 7  16 |           |  | 
|                                                            | 20  65 |                      | $ | 7,000,000      |  |  | $             | 4,000,000 |  | 
|                                                            | 66  75 |                      | $ | 5,000,000      |  |  | $             | 2,000,000 |  | 
|                                                            |         |                     
|Waiver of Premium                                           |         | Same as Life         |   |                | 
|                                                            |         |                      |   |               
|3.      Jumbo:                                              |         |                      |   |                |  |  |               |           |  |  |  | 
|Life                                                        |         | $50,000,000          |   |                |  |  |               |           |  |  |  | 
|Waiver of Premium                                           |         | $7,500,000 - maximum |   |                | 
|                                                            |         |                      |   |               
|4.      Conditional Receipt:                                |         | $500,000             |   |                |  |  |               |           |  |  |  | 





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Schedule C

Definitions



|                               |                                                                                                                                                               |                                                                                                                                                                                                                                                                
|------------------------------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                               |                                                                                                                                                              
|1.      Automatic              |                                                                                                                                                               | Insurance which must be ceded by the Ceding Company in accordance with the terms of the Agreement and must be accepted by the Reinsurer.                                                                                                                       
|                              
|                              
|                               |                                                                                                                                                              
|2.      Excess                 |                                                                                                                                                               | The Reinsurer agrees to reimburse the Ceding Company for all losses or a large portion of the losses over the Ceding Companys retention limit. The Reinsurer
becomes involved in a loss only after the loss has exceeded the Ceding Companys retention limit.
|                              
|                              
|                              
|                              
|                               |                                                                                                                                                              
|3.      Facultative            |                                                                                                                                                               | Insurance which the Ceding Company has the option to cede and the Reinsurer has the option to accept or decline individual risks.                                                                                                                              
|                              
|                              
|                               |                                                                                                                                                              
|4.      Initial Minimum Amount |                                                                                                                                                               | The smallest amount of reinsurance permitted after the inception of the reinsurance transaction.                                                                                                                                                               
|                               |                                                                                                                                                              
|5.      Life Premiums          |                                                                                                                                                               | Yearly Renewable Term (YRT) - Under the YRT method, the Reinsured transfers to the Reinsurer the mortality risk on either a net amount at risk basis or on an approximation of
the net amount at risk basis.                                                   
|                               | Flat Extra -Flat extra ratings usually
apply to applicants in hazardous occupations or avocations or with certain physical impairments of a temporary nature.
|                               | Substandard Table Extra -Substandard table
extra ratings usually apply to physically impaired lives.                                                         
|                               |                                                                                                                                                              
|6.      Pool                   |                                                                                                                                                               | An organization of insurers or reinsurers through which particular types of risks are underwritten with premiums, losses and expenses shared in agreed
amounts.                                                                                                
|                              
|                              
|                               |                                                                                                                                                              
|7.      Quota Share            |                                                                                                                                                               | A form of reinsurance indemnifying the Ceding Company against a fixed percentage of loss on each risk covered in the Agreement.                                                                                                                                
|                              
|                              
|                               |                                                                                                                                                              
|8.      Ceding Company         |                                                                                                                                                               | A company which transfers all or part of the insurance it has written to another company.                                                                                                                                                                      
|                              
|                               |                                                                                                                                                              
|9.      Reinsurer              |                                                                                                                                                               | A company which assumes all or part of the insurance written by another company.                                                                                                                                                                               
|                              





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---



|                                 |  |                                                                                                             
|-------------------------------- |  | ------------------------------------------------------------------------------------------------------------
|                                 | 
|10.    Retention                 |  | The amount of insurance which the Ceding Company keeps for its own account and does not reinsure in any way.
|                                 | 
|11.    Risk                      |  | Insurance on an individual life.                                                                            
|                                 | 
|12.    Subsequent Minimum Amount |  | The smallest amount of reinsurance permitted after the inception of the reinsurance transaction.            
|                                 | 
|13.    Point-In-Scale            |  | Reinsurance premiums are based on the issue age and duration of the original reinsured policy.              
|                                 | 
|14.    Net Amount at Risk        |  | For term insurance, the full face amount of the term policy.                                                





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit I

Premium Rates

1. Reinsurance premiums
under this Agreement shall be payable annually in advance and are due in the month of policy issue and subsequent policy anniversaries regardless of how the Ceding Company receives premiums from its insured.



|                                                      |  |                                                                                                                                                                                                                              
|----------------------------------------------------- |  | -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|                                                      | 
|2. Life - Standard & Substandard Table Extra Premiums |  | The reinsurance premiums for the plans listed in Schedule A will be the appropriate rates in this Exhibit including the policy fees, less the allowances stated
in Exhibit II.                                               
|                                                      | 
|                                                      |  | The substandard table extra premium shall be an additional 25% per table rating of the rates p set forth in this Exhibit, less the allowances stated in Exhibit
II.                                                          
|                                                      | 
|3. Flat Extra Premiums                                |  | The flat extra premium shall be the annual flat extra premium which the Ceding Company charges its insured on that amount of the insurance reinsured less the
allowances stated in Exhibit II.                               
|                                                      | 
|4. Waiver of Premium                                  |  | The reinsurance premiums for waiver of premium shall be the premiums the Ceding Company charges its insured on that amount of insurance reinsured less the
allowances stated in Exhibit II.                                  
|                                                      | 
|5. Renewal, Conversion or Exchange of Insurance       |  | The renewal, conversion or exchange of insurance shall be considered as a continuation of the original insurance. Future premiums shall be calculated on a
point-in-scale basis using the applicable rates in this Agreement.





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Rates for Initial Guaranteed Period

RATES

Level 10



|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN   |  | PNT   |  | SNT   |  | PT    |  | ST   
|18        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|19        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|20        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|21        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|22        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|23        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|24        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.16  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|25        |  | 0.48   |  | 0.54  |  | 0.79  |  | 1.25  |  | 2.17  |  | 0.41  |  | 0.45  |  | 0.62  |  | 1.07  |  | 1.53 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|26        |  | 0.48   |  | 0.55  |  | 0.80  |  | 1.28  |  | 2.18  |  | 0.41  |  | 0.45  |  | 0.63  |  | 1.07  |  | 1.56 
|27        |  | 0.48   |  | 0.55  |  | 0.80  |  | 1.29  |  | 2.19  |  | 0.41  |  | 0.45  |  | 0.63  |  | 1.07  |  | 1.56 
|28        |  | 0.49   |  | 0.56  |  | 0.81  |  | 1.30  |  | 2.21  |  | 0.41  |  | 0.46  |  | 0.64  |  | 1.08  |  | 1.60 
|29        |  | 0.49   |  | 0.56  |  | 0.81  |  | 1.31  |  | 2.21  |  | 0.41  |  | 0.46  |  | 0.64  |  | 1.10  |  | 1.63 
|30        |  | 0.49   |  | 0.57  |  | 0.82  |  | 1.34  |  | 2.22  |  | 0.41  |  | 0.46  |  | 0.65  |  | 1.11  |  | 1.66 
|31        |  | 0.49   |  | 0.58  |  | 0.83  |  | 1.39  |  | 2.29  |  | 0.41  |  | 0.47  |  | 0.66  |  | 1.13  |  | 1.69 
|32        |  | 0.49   |  | 0.59  |  | 0.84  |  | 1.42  |  | 2.31  |  | 0.42  |  | 0.48  |  | 0.68  |  | 1.17  |  | 1.79 
|33        |  | 0.49   |  | 0.60  |  | 0.85  |  | 1.53  |  | 2.33  |  | 0.42  |  | 0.48  |  | 0.69  |  | 1.18  |  | 1.84 
|34        |  | 0.49   |  | 0.61  |  | 0.86  |  | 1.61  |  | 2.34  |  | 0.42  |  | 0.48  |  | 0.70  |  | 1.19  |  | 1.90 
|35        |  | 0.49   |  | 0.62  |  | 0.88  |  | 1.64  |  | 2.37  |  | 0.43  |  | 0.49  |  | 0.71  |  | 1.27  |  | 1.98 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|36        |  | 0.51   |  | 0.64  |  | 0.92  |  | 1.71  |  | 2.49  |  | 0.43  |  | 0.50  |  | 0.74  |  | 1.40  |  | 2.12 
|37        |  | 0.54   |  | 0.68  |  | 0.95  |  | 1.82  |  | 2.60  |  | 0.43  |  | 0.57  |  | 0.82  |  | 1.45  |  | 2.24 
|38        |  | 0.57   |  | 0.71  |  | 1.01  |  | 1.98  |  | 2.79  |  | 0.44  |  | 0.60  |  | 0.87  |  | 1.57  |  | 2.41 
|39        |  | 0.61   |  | 0.78  |  | 1.09  |  | 2.17  |  | 3.00  |  | 0.47  |  | 0.64  |  | 0.94  |  | 1.64  |  | 2.61 
|40        |  | 0.66   |  | 0.84  |  | 1.18  |  | 2.38  |  | 3.28  |  | 0.51  |  | 0.69  |  | 1.02  |  | 1.83  |  | 2.83 
|41        |  | 0.72   |  | 0.91  |  | 1.28  |  | 2.65  |  | 3.63  |  | 0.55  |  | 0.74  |  | 1.11  |  | 2.00  |  | 3.08 
|42        |  | 0.79   |  | 0.99  |  | 1.40  |  | 2.95  |  | 3.99  |  | 0.60  |  | 0.79  |  | 1.19  |  | 2.17  |  | 3.31 
|43        |  | 0.86   |  | 1.08  |  | 1.53  |  | 3.26  |  | 4.39  |  | 0.65  |  | 0.84  |  | 1.28  |  | 2.33  |  | 3.56 
|44        |  | 0.93   |  | 1.17  |  | 1.67  |  | 3.65  |  | 4.88  |  | 0.71  |  | 0.89  |  | 1.37  |  | 2.51  |  | 3.78 
|45        |  | 1.01   |  | 1.28  |  | 1.83  |  | 4.02  |  | 5.34  |  | 0.77  |  | 0.95  |  | 1.46  |  | 2.72  |  | 4.00 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|46        |  | 1.10   |  | 1.40  |  | 2.00  |  | 4.32  |  | 5.98  |  | 0.83  |  | 1.02  |  | 1.55  |  | 2.90  |  | 4.42 
|47        |  | 1.20   |  | 1.53  |  | 2.17  |  | 4.65  |  | 6.63  |  | 0.90  |  | 1.09  |  | 1.65  |  | 3.09  |  | 4.77 
|48        |  | 1.31   |  | 1.67  |  | 2.35  |  | 5.04  |  | 7.25  |  | 0.97  |  | 1.17  |  | 1.76  |  | 3.31  |  | 5.13 
|49        |  | 1.43   |  | 1.81  |  | 2.54  |  | 5.48  |  | 7.90  |  | 1.04  |  | 1.26  |  | 1.88  |  | 3.59  |  | 5.54 
|50        |  | 1.56   |  | 1.96  |  | 2.74  |  | 5.95  |  | 8.75  |  | 1.12  |  | 1.35  |  | 2.01  |  | 3.89  |  | 5.95 
|51        |  | 1.69   |  | 2.12  |  | 2.96  |  | 6.50  |  | 9.36  |  | 1.20  |  | 1.45  |  | 2.15  |  | 4.10  |  | 6.30 
|52        |  | 1.84   |  | 2.30  |  | 3.20  |  | 6.99  |  | 9.89  |  | 1.29  |  | 1.56  |  | 2.30  |  | 4.41  |  | 6.80 
|53        |  | 2.01   |  | 2.51  |  | 3.47  |  | 7.60  |  | 10.52 |  | 1.40  |  | 1.68  |  | 2.47  |  | 4.82  |  | 7.35 
|54        |  | 2.20   |  | 2.75  |  | 3.76  |  | 8.25  |  | 11.46 |  | 1.52  |  | 1.81  |  | 2.66  |  | 5.18  |  | 7.80 
|55        |  | 2.41   |  | 3.01  |  | 4.08  |  | 8.89  |  | 12.41 |  | 1.65  |  | 1.95  |  | 2.87  |  | 5.59  |  | 8.25 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|56        |  | 2.66   |  | 3.30  |  | 4.45  |  | 9.80  |  | 14.56 |  | 1.78  |  | 2.10  |  | 3.09  |  | 5.90  |  | 8.79 
|57        |  | 2.95   |  | 3.62  |  | 4.86  |  | 10.63 |  | 16.50 |  | 1.92  |  | 2.26  |  | 3.32  |  | 6.18  |  | 9.12 
|58        |  | 3.27   |  | 3.98  |  | 5.33  |  | 11.55 |  | 17.36 |  | 2.07  |  | 2.43  |  | 3.57  |  | 6.77  |  | 9.94 
|59        |  | 3.63   |  | 4.38  |  | 5.87  |  | 12.53 |  | 18.30 |  | 2.24  |  | 2.61  |  | 3.85  |  | 7.26  |  | 10.66
|60        |  | 4.04   |  | 4.83  |  | 6.49  |  | 13.04 |  | 19.13 |  | 2.43  |  | 2.81  |  | 4.16  |  | 7.79  |  | 11.37
|61        |  | 4.49   |  | 5.33  |  | 7.19  |  | 13.79 |  | 19.92 |  | 2.64  |  | 3.04  |  | 4.50  |  | 8.76  |  | 12.80
|62        |  | 5.01   |  | 5.90  |  | 7.79  |  | 14.48 |  | 20.32 |  | 2.88  |  | 3.32  |  | 4.88  |  | 9.72  |  | 14.22
|63        |  | 5.58   |  | 6.53  |  | 8.87  |  | 16.90 |  | 23.19 |  | 3.14  |  | 3.64  |  | 5.29  |  | 10.63 |  | 15.55
|64        |  | 6.22   |  | 7.24  |  | 9.85  |  | 19.49 |  | 26.09 |  | 3.44  |  | 4.01  |  | 5.75  |  | 11.50 |  | 16.82
|65        |  | 6.92   |  | 8.02  |  | 10.92 |  | 22.39 |  | 29.15 |  | 3.77  |  | 4.42  |  | 6.27  |  | 12.50 |  | 18.26
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|66        |  | 7.69   |  | 8.88  |  | 12.09 |  | 25.72 |  | 34.90 |  | 4.14  |  | 4.88  |  | 6.86  |  | 13.41 |  | 19.59
|67        |  | 8.54   |  | 9.83  |  | 13.38 |  | 28.62 |  | 41.46 |  | 4.56  |  | 5.40  |  | 7.54  |  | 14.55 |  | 21.22
|68        |  | 9.48   |  | 10.89 |  | 14.82 |  | 31.88 |  | 48.00 |  | 5.04  |  | 6.00  |  | 8.33  |  | 16.21 |  | 23.67
|69        |  | 10.52  |  | 12.08 |  | 16.45 |  | 35.50 |  | 55.24 |  | 5.59  |  | 6.70  |  | 9.25  |  | 18.21 |  | 26.65
|70        |  | 11.67  |  | 13.43 |  | 18.32 |  | 39.52 |  | 63.23 |  | 6.23  |  | 7.52  |  | 10.32 |  | 20.22 |  | 29.61
|71        |  | 12.95  |  | 14.97 |  | 20.49 |  | 44.59 |  | 69.03 |  | 6.98  |  | 8.48  |  | 11.57 |  | 21.22 |  | 31.82
|72        |  | 14.38  |  | 16.73 |  | 23.04 |  | 50.25 |  | 75.01 |  | 7.87  |  | 9.61  |  | 13.03 |  | 23.90 |  | 35.70
|73        |  | 15.99  |  | 18.75 |  | 26.06 |  | 56.08 |  | 80.29 |  | 8.93  |  | 10.95 |  | 14.74 |  | 27.08 |  | 40.23
|74        |  | 17.82  |  | 21.09 |  | 29.65 |  | 60.91 |  | 86.46 |  | 10.19 |  | 12.55 |  | 16.74 |  | 30.88 |  | 45.54
|75        |  | 19.92  |  | 23.82 |  | 33.92 |  | 66.94 |  | 93.39 |  | 11.67 |  | 14.49 |  | 19.09 |  | 34.10 |  | 51.78
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      

** ADD $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 10 Advantage



|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN   |  | PNT   |  | SNT   |  | PT    |  | ST   
|18        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|19        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|20        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|21        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|22        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|23        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|24        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.83  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|25        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.21  |  | 1.84  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.95  |  | 1.31 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|26        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.22  |  | 1.86  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.97  |  | 1.34 
|27        |  | 0.35   |  | 0.49  |  | 0.68  |  | 1.23  |  | 1.87  |  | 0.28  |  | 0.36  |  | 0.53  |  | 0.97  |  | 1.35 
|28        |  | 0.35   |  | 0.49  |  | 0.69  |  | 1.24  |  | 1.89  |  | 0.29  |  | 0.36  |  | 0.54  |  | 0.99  |  | 1.39 
|29        |  | 0.35   |  | 0.49  |  | 0.69  |  | 1.27  |  | 1.91  |  | 0.29  |  | 0.37  |  | 0.54  |  | 1.00  |  | 1.42 
|30        |  | 0.36   |  | 0.50  |  | 0.69  |  | 1.30  |  | 1.94  |  | 0.29  |  | 0.37  |  | 0.55  |  | 1.03  |  | 1.45 
|31        |  | 0.36   |  | 0.50  |  | 0.69  |  | 1.34  |  | 1.95  |  | 0.29  |  | 0.37  |  | 0.55  |  | 1.05  |  | 1.49 
|32        |  | 0.36   |  | 0.50  |  | 0.69  |  | 1.38  |  | 1.97  |  | 0.29  |  | 0.38  |  | 0.56  |  | 1.07  |  | 1.52 
|33        |  | 0.36   |  | 0.50  |  | 0.70  |  | 1.43  |  | 1.99  |  | 0.29  |  | 0.38  |  | 0.56  |  | 1.10  |  | 1.57 
|34        |  | 0.37   |  | 0.50  |  | 0.70  |  | 1.46  |  | 2.00  |  | 0.30  |  | 0.39  |  | 0.58  |  | 1.13  |  | 1.63 
|35        |  | 0.38   |  | 0.50  |  | 0.70  |  | 1.50  |  | 2.02  |  | 0.31  |  | 0.40  |  | 0.59  |  | 1.17  |  | 1.69 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|36        |  | 0.39   |  | 0.53  |  | 0.74  |  | 1.58  |  | 2.16  |  | 0.32  |  | 0.42  |  | 0.63  |  | 1.24  |  | 1.80 
|37        |  | 0.41   |  | 0.57  |  | 0.79  |  | 1.71  |  | 2.32  |  | 0.33  |  | 0.45  |  | 0.68  |  | 1.34  |  | 1.95 
|38        |  | 0.43   |  | 0.61  |  | 0.85  |  | 1.84  |  | 2.51  |  | 0.35  |  | 0.48  |  | 0.73  |  | 1.45  |  | 2.10 
|39        |  | 0.46   |  | 0.66  |  | 0.91  |  | 1.98  |  | 2.73  |  | 0.37  |  | 0.52  |  | 0.78  |  | 1.57  |  | 2.27 
|40        |  | 0.49   |  | 0.71  |  | 0.98  |  | 2.16  |  | 2.97  |  | 0.40  |  | 0.57  |  | 0.85  |  | 1.72  |  | 2.46 
|41        |  | 0.54   |  | 0.78  |  | 1.09  |  | 2.37  |  | 3.26  |  | 0.44  |  | 0.63  |  | 0.91  |  | 1.86  |  | 2.66 
|42        |  | 0.59   |  | 0.85  |  | 1.21  |  | 2.61  |  | 3.56  |  | 0.49  |  | 0.68  |  | 0.98  |  | 2.00  |  | 2.86 
|43        |  | 0.65   |  | 0.93  |  | 1.35  |  | 2.86  |  | 3.89  |  | 0.54  |  | 0.73  |  | 1.05  |  | 2.13  |  | 3.05 
|44        |  | 0.72   |  | 1.02  |  | 1.50  |  | 3.15  |  | 4.27  |  | 0.59  |  | 0.78  |  | 1.12  |  | 2.27  |  | 3.22 
|45        |  | 0.80   |  | 1.12  |  | 1.67  |  | 3.45  |  | 4.66  |  | 0.64  |  | 0.83  |  | 1.20  |  | 2.41  |  | 3.41 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|46        |  | 0.88   |  | 1.20  |  | 1.80  |  | 3.77  |  | 5.08  |  | 0.69  |  | 0.88  |  | 1.28  |  | 2.62  |  | 3.66 
|47        |  | 0.96   |  | 1.28  |  | 1.90  |  | 4.18  |  | 5.52  |  | 0.74  |  | 0.94  |  | 1.37  |  | 2.84  |  | 3.94 
|48        |  | 1.05   |  | 1.37  |  | 2.02  |  | 4.55  |  | 5.98  |  | 0.80  |  | 1.00  |  | 1.46  |  | 3.08  |  | 4.22 
|49        |  | 1.15   |  | 1.47  |  | 2.16  |  | 4.91  |  | 6.47  |  | 0.87  |  | 1.06  |  | 1.56  |  | 3.34  |  | 4.54 
|50        |  | 1.26   |  | 1.58  |  | 2.31  |  | 5.35  |  | 7.00  |  | 0.95  |  | 1.14  |  | 1.67  |  | 3.63  |  | 4.88 
|51        |  | 1.38   |  | 1.72  |  | 2.48  |  | 5.72  |  | 7.55  |  | 1.00  |  | 1.22  |  | 1.80  |  | 3.87  |  | 5.25 
|52        |  | 1.52   |  | 1.89  |  | 2.67  |  | 6.13  |  | 8.20  |  | 1.08  |  | 1.31  |  | 1.94  |  | 4.13  |  | 5.67 
|53        |  | 1.67   |  | 2.08  |  | 2.89  |  | 6.53  |  | 8.87  |  | 1.17  |  | 1.41  |  | 2.10  |  | 4.42  |  | 6.13 
|54        |  | 1.82   |  | 2.29  |  | 3.12  |  | 7.02  |  | 9.68  |  | 1.27  |  | 1.51  |  | 2.26  |  | 4.72  |  | 6.60 
|55        |  | 1.98   |  | 2.53  |  | 3.38  |  | 7.48  |  | 10.64 |  | 1.37  |  | 1.62  |  | 2.43  |  | 5.02  |  | 7.08 
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|56        |  | 2.22   |  | 2.79  |  | 3.70  |  | 8.25  |  | 11.70 |  | 1.48  |  | 1.77  |  | 2.60  |  | 5.43  |  | 7.61 
|57        |  | 2.50   |  | 3.07  |  | 4.03  |  | 9.08  |  | 12.86 |  | 1.59  |  | 1.92  |  | 2.77  |  | 5.84  |  | 8.12 
|58        |  | 2.79   |  | 3.39  |  | 4.40  |  | 9.96  |  | 14.14 |  | 1.70  |  | 2.10  |  | 2.94  |  | 6.25  |  | 8.61 
|59        |  | 3.10   |  | 3.74  |  | 4.81  |  | 10.91 |  | 15.53 |  | 1.82  |  | 2.31  |  | 3.13  |  | 6.70  |  | 9.15 
|60        |  | 3.44   |  | 4.13  |  | 5.27  |  | 11.98 |  | 17.00 |  | 1.97  |  | 2.53  |  | 3.36  |  | 7.22  |  | 9.79 
|61        |  | 3.79   |  | 4.53  |  | 5.89  |  | 13.02 |  | 18.52 |  | 2.14  |  | 2.76  |  | 3.59  |  | 7.77  |  | 10.58
|62        |  | 4.17   |  | 4.99  |  | 6.61  |  | 14.08 |  | 19.80 |  | 2.36  |  | 3.00  |  | 3.92  |  | 8.47  |  | 11.59
|63        |  | 4.59   |  | 5.51  |  | 7.43  |  | 16.01 |  | 21.67 |  | 2.63  |  | 3.30  |  | 4.33  |  | 9.32  |  | 12.83
|64        |  | 5.06   |  | 6.09  |  | 8.35  |  | 17.82 |  | 23.35 |  | 2.93  |  | 3.69  |  | 4.79  |  | 10.27 |  | 14.20
|65        |  | 5.57   |  | 6.71  |  | 9.42  |  | 19.65 |  | 25.15 |  | 3.25  |  | 4.11  |  | 5.28  |  | 11.29 |  | 15.66
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      
|66        |  | 6.33   |  | 7.50  |  | 10.52 |  | 22.04 |  | 28.28 |  | 3.69  |  | 4.62  |  | 5.89  |  | 12.65 |  | 17.27
|67        |  | 7.17   |  | 8.36  |  | 11.74 |  | 24.61 |  | 31.64 |  | 4.16  |  | 5.15  |  | 6.52  |  | 14.04 |  | 18.87
|68        |  | 8.10   |  | 9.30  |  | 13.10 |  | 27.38 |  | 35.28 |  | 4.67  |  | 5.72  |  | 7.19  |  | 15.49 |  | 20.52
|69        |  | 9.15   |  | 10.36 |  | 14.62 |  | 30.45 |  | 39.31 |  | 5.24  |  | 6.36  |  | 7.94  |  | 17.09 |  | 22.32
|70        |  | 10.36  |  | 11.56 |  | 16.36 |  | 33.89 |  | 43.74 |  | 5.91  |  | 7.11  |  | 8.82  |  | 18.99 |  | 24.45
|71        |  | 11.61  |  | 13.29 |  | 18.65 |  | 37.81 |  | 48.33 |  | 6.67  |  | 7.98  |  | 9.92  |  | 20.55 |  | 27.14
|72        |  | 13.06  |  | 15.32 |  | 21.34 |  | 42.28 |  | 53.46 |  | 7.61  |  | 9.04  |  | 11.26 |  | 23.01 |  | 30.42
|73        |  | 14.72  |  | 17.66 |  | 24.44 |  | 47.33 |  | 59.19 |  | 8.64  |  | 10.33 |  | 12.88 |  | 25.65 |  | 34.34
|74        |  | 16.57  |  | 20.32 |  | 27.92 |  | 52.97 |  | 65.55 |  | 9.96  |  | 11.82 |  | 14.77 |  | 28.66 |  | 38.85
|75        |  | 18.57  |  | 23.16 |  | 31.76 |  | 59.14 |  | 72.45 |  | 11.46 |  | 13.51 |  | 16.91 |  | 31.94 |  | 43.85
|          |  |        |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |       |  |      

* Add $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 15



|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ---- |  | ---- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT   |  | PT    |  | ST   
|18        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|19        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|20        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|21        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|22        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|23        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|24        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|25        |  | 0.49   |  | 0.62  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.43 |  | 0.50 |  | 0.68  |  | 1.17  |  | 1.61 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|26        |  | 0.49   |  | 0.63  |  | 0.89  |  | 1.46  |  | 2.42  |  | 0.44 |  | 0.52 |  | 0.68  |  | 1.17  |  | 1.62 
|27        |  | 0.50   |  | 0.64  |  | 0.90  |  | 1.47  |  | 2.42  |  | 0.46 |  | 0.54 |  | 0.68  |  | 1.18  |  | 1.63 
|28        |  | 0.51   |  | 0.65  |  | 0.91  |  | 1.49  |  | 2.43  |  | 0.48 |  | 0.56 |  | 0.68  |  | 1.18  |  | 1.65 
|29        |  | 0.52   |  | 0.66  |  | 0.92  |  | 1.50  |  | 2.44  |  | 0.50 |  | 0.58 |  | 0.68  |  | 1.19  |  | 1.68 
|30        |  | 0.53   |  | 0.67  |  | 0.93  |  | 1.54  |  | 2.45  |  | 0.52 |  | 0.59 |  | 0.68  |  | 1.20  |  | 1.71 
|31        |  | 0.53   |  | 0.68  |  | 0.94  |  | 1.57  |  | 2.46  |  | 0.52 |  | 0.59 |  | 0.70  |  | 1.22  |  | 1.74 
|32        |  | 0.54   |  | 0.69  |  | 0.96  |  | 1.63  |  | 2.48  |  | 0.52 |  | 0.60 |  | 0.72  |  | 1.27  |  | 1.82 
|33        |  | 0.55   |  | 0.70  |  | 0.98  |  | 1.69  |  | 2.51  |  | 0.53 |  | 0.61 |  | 0.75  |  | 1.30  |  | 1.86 
|34        |  | 0.56   |  | 0.71  |  | 1.00  |  | 1.77  |  | 2.55  |  | 0.53 |  | 0.62 |  | 0.78  |  | 1.35  |  | 1.94 
|35        |  | 0.57   |  | 0.72  |  | 1.02  |  | 1.87  |  | 2.61  |  | 0.53 |  | 0.63 |  | 0.83  |  | 1.43  |  | 2.01 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|36        |  | 0.60   |  | 0.76  |  | 1.07  |  | 2.01  |  | 2.82  |  | 0.56 |  | 0.67 |  | 0.88  |  | 1.54  |  | 2.16 
|37        |  | 0.64   |  | 0.80  |  | 1.13  |  | 2.17  |  | 3.05  |  | 0.59 |  | 0.71 |  | 0.93  |  | 1.67  |  | 2.29 
|38        |  | 0.68   |  | 0.84  |  | 1.18  |  | 2.35  |  | 3.31  |  | 0.62 |  | 0.75 |  | 0.99  |  | 1.80  |  | 2.46 
|39        |  | 0.73   |  | 0.89  |  | 1.26  |  | 2.56  |  | 3.61  |  | 0.65 |  | 0.80 |  | 1.06  |  | 1.97  |  | 2.67 
|40        |  | 0.78   |  | 0.95  |  | 1.33  |  | 2.78  |  | 3.94  |  | 0.69 |  | 0.85 |  | 1.13  |  | 2.13  |  | 2.88 
|41        |  | 0.85   |  | 1.03  |  | 1.44  |  | 3.10  |  | 4.31  |  | 0.76 |  | 0.93 |  | 1.23  |  | 2.37  |  | 3.15 
|42        |  | 0.93   |  | 1.11  |  | 1.57  |  | 3.47  |  | 4.72  |  | 0.83 |  | 1.01 |  | 1.33  |  | 2.59  |  | 3.42 
|43        |  | 1.01   |  | 1.20  |  | 1.70  |  | 3.86  |  | 5.17  |  | 0.90 |  | 1.09 |  | 1.43  |  | 2.83  |  | 3.69 
|44        |  | 1.11   |  | 1.31  |  | 1.86  |  | 4.29  |  | 5.64  |  | 0.98 |  | 1.18 |  | 1.54  |  | 3.08  |  | 3.97 
|45        |  | 1.21   |  | 1.42  |  | 2.03  |  | 4.75  |  | 6.14  |  | 1.06 |  | 1.28 |  | 1.66  |  | 3.34  |  | 4.27 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|46        |  | 1.33   |  | 1.58  |  | 2.26  |  | 5.27  |  | 6.82  |  | 1.12 |  | 1.36 |  | 1.76  |  | 3.59  |  | 4.58 
|47        |  | 1.45   |  | 1.77  |  | 2.52  |  | 5.83  |  | 7.57  |  | 1.19 |  | 1.45 |  | 1.87  |  | 3.84  |  | 4.92 
|48        |  | 1.59   |  | 1.97  |  | 2.80  |  | 6.45  |  | 8.40  |  | 1.27 |  | 1.55 |  | 1.99  |  | 4.13  |  | 5.28 
|49        |  | 1.75   |  | 2.21  |  | 3.13  |  | 7.14  |  | 9.34  |  | 1.35 |  | 1.65 |  | 2.12  |  | 4.43  |  | 5.68 
|50        |  | 1.94   |  | 2.48  |  | 3.51  |  | 7.93  |  | 10.41 |  | 1.44 |  | 1.77 |  | 2.27  |  | 4.76  |  | 6.11 
|51        |  | 2.11   |  | 2.65  |  | 3.76  |  | 8.56  |  | 11.06 |  | 1.55 |  | 1.91 |  | 2.45  |  | 5.10  |  | 6.59 
|52        |  | 2.30   |  | 2.83  |  | 4.03  |  | 9.26  |  | 11.76 |  | 1.68 |  | 2.06 |  | 2.65  |  | 5.49  |  | 7.13 
|53        |  | 2.51   |  | 3.03  |  | 4.33  |  | 10.01 |  | 12.50 |  | 1.81 |  | 2.21 |  | 2.85  |  | 5.87  |  | 7.69 
|54        |  | 2.74   |  | 3.25  |  | 4.66  |  | 10.80 |  | 13.22 |  | 1.94 |  | 2.38 |  | 3.07  |  | 6.27  |  | 8.26 
|55        |  | 2.99   |  | 3.47  |  | 5.00  |  | 11.61 |  | 13.94 |  | 2.08 |  | 2.54 |  | 3.29  |  | 6.66  |  | 8.82 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|56        |  | 3.30   |  | 3.84  |  | 5.48  |  | 12.62 |  | 15.41 |  | 2.26 |  | 2.73 |  | 3.58  |  | 7.07  |  | 9.58 
|57        |  | 3.64   |  | 4.26  |  | 6.01  |  | 13.66 |  | 17.00 |  | 2.44 |  | 2.92 |  | 3.87  |  | 7.49  |  | 10.36
|58        |  | 4.02   |  | 4.74  |  | 6.61  |  | 14.80 |  | 18.72 |  | 2.64 |  | 3.14 |  | 4.21  |  | 7.94  |  | 11.21
|59        |  | 4.45   |  | 5.27  |  | 7.27  |  | 16.05 |  | 20.67 |  | 2.88 |  | 3.39 |  | 4.60  |  | 8.47  |  | 12.20
|60        |  | 4.93   |  | 5.87  |  | 8.01  |  | 17.47 |  | 22.87 |  | 3.17 |  | 3.70 |  | 5.08  |  | 9.13  |  | 13.40
|61        |  | 5.48   |  | 6.53  |  | 8.83  |  | 18.98 |  | 25.01 |  | 3.48 |  | 4.00 |  | 5.52  |  | 10.05 |  | 14.43
|62        |  | 6.10   |  | 7.28  |  | 9.75  |  | 20.65 |  | 27.41 |  | 3.87 |  | 4.37 |  | 6.06  |  | 11.17 |  | 15.70
|63        |  | 6.79   |  | 8.11  |  | 10.77 |  | 22.46 |  | 30.03 |  | 4.30 |  | 4.78 |  | 6.66  |  | 12.43 |  | 17.09
|64        |  | 7.55   |  | 9.03  |  | 11.88 |  | 24.38 |  | 32.81 |  | 4.77 |  | 5.21 |  | 7.30  |  | 13.77 |  | 18.55
|65        |  | 8.38   |  | 10.03 |  | 13.07 |  | 26.35 |  | 35.72 |  | 5.26 |  | 5.64 |  | 7.95  |  | 15.17 |  | 20.00
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|66        |  | 9.60   |  | 11.23 |  | 14.52 |  | 29.80 |  | 39.51 |  | 5.88 |  | 6.30 |  | 8.76  |  | 17.17 |  | 22.23
|67        |  | 10.98  |  | 12.55 |  | 16.12 |  | 33.57 |  | 43.59 |  | 6.55 |  | 7.01 |  | 9.61  |  | 19.31 |  | 24.57
|68        |  | 12.54  |  | 14.04 |  | 17.90 |  | 37.76 |  | 48.08 |  | 7.30 |  | 7.80 |  | 10.57 |  | 21.69 |  | 27.17
|69        |  | 14.34  |  | 15.74 |  | 19.92 |  | 42.49 |  | 56.63 |  | 8.18 |  | 8.74 |  | 11.69 |  | 24.49 |  | 30.23
|70        |  | 16.43  |  | 17.69 |  | 22.24 |  | 47.88 |  | 63.86 |  | 9.26 |  | 9.88 |  | 13.06 |  | 27.95 |  | 34.05

* Add $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 15 Advantage



|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ---- |  | ---- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT   |  | PT    |  | ST   
|18        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|19        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|20        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|21        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|22        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|23        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|24        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|25        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.09  |  | 0.37 |  | 0.42 |  | 0.58  |  | 1.03  |  | 1.43 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|26        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.42  |  | 2.10  |  | 0.37 |  | 0.43 |  | 0.58  |  | 1.05  |  | 1.46 
|27        |  | 0.43   |  | 0.55  |  | 0.78  |  | 1.43  |  | 2.12  |  | 0.37 |  | 0.45 |  | 0.58  |  | 1.06  |  | 1.50 
|28        |  | 0.44   |  | 0.56  |  | 0.79  |  | 1.44  |  | 2.15  |  | 0.37 |  | 0.47 |  | 0.59  |  | 1.08  |  | 1.54 
|29        |  | 0.44   |  | 0.56  |  | 0.79  |  | 1.46  |  | 2.17  |  | 0.38 |  | 0.49 |  | 0.59  |  | 1.10  |  | 1.60 
|30        |  | 0.44   |  | 0.57  |  | 0.80  |  | 1.49  |  | 2.19  |  | 0.40 |  | 0.50 |  | 0.60  |  | 1.12  |  | 1.64 
|31        |  | 0.44   |  | 0.57  |  | 0.80  |  | 1.51  |  | 2.20  |  | 0.40 |  | 0.50 |  | 0.61  |  | 1.14  |  | 1.67 
|32        |  | 0.44   |  | 0.58  |  | 0.81  |  | 1.54  |  | 2.22  |  | 0.41 |  | 0.51 |  | 0.63  |  | 1.18  |  | 1.72 
|33        |  | 0.44   |  | 0.58  |  | 0.82  |  | 1.57  |  | 2.24  |  | 0.41 |  | 0.52 |  | 0.65  |  | 1.22  |  | 1.76 
|34        |  | 0.46   |  | 0.59  |  | 0.83  |  | 1.63  |  | 2.27  |  | 0.42 |  | 0.53 |  | 0.67  |  | 1.27  |  | 1.82 
|35        |  | 0.47   |  | 0.60  |  | 0.84  |  | 1.69  |  | 2.29  |  | 0.42 |  | 0.54 |  | 0.71  |  | 1.34  |  | 1.91 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|36        |  | 0.50   |  | 0.64  |  | 0.89  |  | 1.83  |  | 2.48  |  | 0.45 |  | 0.57 |  | 0.75  |  | 1.45  |  | 2.05 
|37        |  | 0.52   |  | 0.68  |  | 0.95  |  | 1.97  |  | 2.70  |  | 0.47 |  | 0.61 |  | 0.80  |  | 1.57  |  | 2.19 
|38        |  | 0.55   |  | 0.72  |  | 1.00  |  | 2.13  |  | 2.94  |  | 0.50 |  | 0.64 |  | 0.85  |  | 1.71  |  | 2.34 
|39        |  | 0.59   |  | 0.77  |  | 1.07  |  | 2.32  |  | 3.21  |  | 0.54 |  | 0.68 |  | 0.92  |  | 1.87  |  | 2.53 
|40        |  | 0.63   |  | 0.83  |  | 1.15  |  | 2.53  |  | 3.52  |  | 0.58 |  | 0.73 |  | 0.98  |  | 2.04  |  | 2.72 
|41        |  | 0.68   |  | 0.89  |  | 1.24  |  | 2.77  |  | 3.86  |  | 0.62 |  | 0.79 |  | 1.06  |  | 2.22  |  | 2.97 
|42        |  | 0.74   |  | 0.96  |  | 1.36  |  | 3.08  |  | 4.22  |  | 0.68 |  | 0.86 |  | 1.13  |  | 2.43  |  | 3.22 
|43        |  | 0.81   |  | 1.04  |  | 1.49  |  | 3.41  |  | 4.62  |  | 0.75 |  | 0.93 |  | 1.21  |  | 2.63  |  | 3.48 
|44        |  | 0.89   |  | 1.14  |  | 1.65  |  | 3.77  |  | 5.04  |  | 0.82 |  | 1.01 |  | 1.30  |  | 2.85  |  | 3.75 
|45        |  | 1.00   |  | 1.24  |  | 1.85  |  | 4.20  |  | 5.46  |  | 0.91 |  | 1.11 |  | 1.40  |  | 3.10  |  | 4.05 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|46        |  | 1.10   |  | 1.37  |  | 2.04  |  | 4.68  |  | 5.96  |  | 0.97 |  | 1.19 |  | 1.49  |  | 3.34  |  | 4.35 
|47        |  | 1.21   |  | 1.51  |  | 2.25  |  | 5.20  |  | 6.51  |  | 1.03 |  | 1.26 |  | 1.59  |  | 3.60  |  | 4.68 
|48        |  | 1.34   |  | 1.67  |  | 2.48  |  | 5.79  |  | 7.11  |  | 1.09 |  | 1.35 |  | 1.70  |  | 3.89  |  | 5.03 
|49        |  | 1.48   |  | 1.85  |  | 2.75  |  | 6.44  |  | 7.78  |  | 1.17 |  | 1.45 |  | 1.82  |  | 4.20  |  | 5.42 
|50        |  | 1.64   |  | 2.06  |  | 3.06  |  | 7.18  |  | 8.54  |  | 1.25 |  | 1.56 |  | 1.95  |  | 4.53  |  | 5.83 
|51        |  | 1.79   |  | 2.23  |  | 3.29  |  | 7.72  |  | 9.15  |  | 1.35 |  | 1.69 |  | 2.11  |  | 4.85  |  | 6.25 
|52        |  | 1.96   |  | 2.42  |  | 3.54  |  | 8.32  |  | 9.83  |  | 1.45 |  | 1.82 |  | 2.29  |  | 5.19  |  | 6.70 
|53        |  | 2.15   |  | 2.63  |  | 3.82  |  | 8.94  |  | 10.56 |  | 1.56 |  | 1.97 |  | 2.47  |  | 5.54  |  | 7.16 
|54        |  | 2.35   |  | 2.86  |  | 4.12  |  | 9.60  |  | 11.31 |  | 1.68 |  | 2.12 |  | 2.66  |  | 5.90  |  | 7.63 
|55        |  | 2.58   |  | 3.11  |  | 4.44  |  | 10.26 |  | 12.06 |  | 1.79 |  | 2.27 |  | 2.86  |  | 6.24  |  | 8.09 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|56        |  | 2.87   |  | 3.46  |  | 4.87  |  | 11.20 |  | 13.31 |  | 1.95 |  | 2.46 |  | 3.10  |  | 6.64  |  | 8.58 
|57        |  | 3.20   |  | 3.85  |  | 5.34  |  | 12.20 |  | 14.85 |  | 2.11 |  | 2.66 |  | 3.35  |  | 7.05  |  | 9.08 
|58        |  | 3.58   |  | 4.30  |  | 5.87  |  | 13.27 |  | 16.12 |  | 2.30 |  | 2.89 |  | 3.63  |  | 7.49  |  | 9.61 
|59        |  | 4.00   |  | 4.80  |  | 6.46  |  | 14.45 |  | 17.75 |  | 2.52 |  | 3.15 |  | 3.96  |  | 8.01  |  | 10.24
|60        |  | 4.47   |  | 5.36  |  | 7.11  |  | 15.80 |  | 19.62 |  | 2.78 |  | 3.47 |  | 4.36  |  | 8.65  |  | 11.02
|61        |  | 4.97   |  | 5.96  |  | 7.84  |  | 17.16 |  | 21.46 |  | 3.05 |  | 3.75 |  | 4.74  |  | 9.52  |  | 11.88
|62        |  | 5.53   |  | 6.65  |  | 8.66  |  | 18.68 |  | 23.52 |  | 3.39 |  | 4.10 |  | 5.20  |  | 10.57 |  | 12.91
|63        |  | 6.16   |  | 7.41  |  | 9.56  |  | 20.32 |  | 25.77 |  | 3.77 |  | 4.48 |  | 5.71  |  | 11.77 |  | 14.07
|64        |  | 6.85   |  | 8.25  |  | 10.54 |  | 22.04 |  | 28.15 |  | 4.18 |  | 4.88 |  | 6.26  |  | 13.05 |  | 15.26
|65        |  | 7.60   |  | 9.16  |  | 11.60 |  | 23.83 |  | 30.65 |  | 4.61 |  | 5.29 |  | 6.82  |  | 14.37 |  | 16.46
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|66        |  | 8.71   |  | 10.26 |  | 12.89 |  | 26.95 |  | 33.90 |  | 5.16 |  | 5.91 |  | 7.52  |  | 16.26 |  | 18.29
|67        |  | 9.96   |  | 11.47 |  | 14.31 |  | 30.36 |  | 37.40 |  | 5.74 |  | 6.57 |  | 8.25  |  | 18.28 |  | 20.22
|68        |  | 11.37  |  | 12.82 |  | 15.89 |  | 34.16 |  | 43.21 |  | 6.39 |  | 7.31 |  | 9.07  |  | 20.54 |  | 22.35
|69        |  | 13.00  |  | 14.37 |  | 17.69 |  | 38.42 |  | 49.72 |  | 7.17 |  | 8.19 |  | 10.03 |  | 23.19 |  | 24.87
|70        |  | 14.90  |  | 16.16 |  | 19.75 |  | 43.30 |  | 56.90 |  | 8.11 |  | 9.26 |  | 11.21 |  | 26.47 |  | 28.01

* Add $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 20



|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ---- |  | ---- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT   |  | PT    |  | ST   
|18        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|19        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|20        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|21        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|22        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|23        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|24        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.70  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|25        |  | 0.62   |  | 0.70  |  | 0.97  |  | 1.66  |  | 2.71  |  | 0.54 |  | 0.59 |  | 0.83  |  | 1.43  |  | 2.09 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|26        |  | 0.63   |  | 0.70  |  | 0.98  |  | 1.67  |  | 2.71  |  | 0.55 |  | 0.59 |  | 0.83  |  | 1.44  |  | 2.10 
|27        |  | 0.63   |  | 0.71  |  | 0.98  |  | 1.68  |  | 2.72  |  | 0.55 |  | 0.60 |  | 0.83  |  | 1.44  |  | 2.10 
|28        |  | 0.64   |  | 0.72  |  | 0.98  |  | 1.71  |  | 2.72  |  | 0.55 |  | 0.60 |  | 0.83  |  | 1.44  |  | 2.11 
|29        |  | 0.64   |  | 0.73  |  | 0.99  |  | 1.72  |  | 2.73  |  | 0.55 |  | 0.61 |  | 0.83  |  | 1.49  |  | 2.13 
|30        |  | 0.65   |  | 0.75  |  | 1.00  |  | 1.78  |  | 2.73  |  | 0.55 |  | 0.62 |  | 0.83  |  | 1.51  |  | 2.13 
|31        |  | 0.66   |  | 0.77  |  | 1.02  |  | 1.86  |  | 2.84  |  | 0.56 |  | 0.64 |  | 0.84  |  | 1.56  |  | 2.18 
|32        |  | 0.67   |  | 0.79  |  | 1.05  |  | 1.91  |  | 3.05  |  | 0.56 |  | 0.66 |  | 0.85  |  | 1.63  |  | 2.26 
|33        |  | 0.67   |  | 0.81  |  | 1.10  |  | 2.06  |  | 3.31  |  | 0.56 |  | 0.67 |  | 0.88  |  | 1.64  |  | 2.34 
|34        |  | 0.67   |  | 0.84  |  | 1.18  |  | 2.19  |  | 3.60  |  | 0.56 |  | 0.68 |  | 0.93  |  | 1.66  |  | 2.51 
|35        |  | 0.69   |  | 0.88  |  | 1.27  |  | 2.33  |  | 3.89  |  | 0.57 |  | 0.70 |  | 0.98  |  | 1.75  |  | 2.72 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|36        |  | 0.73   |  | 0.93  |  | 1.36  |  | 2.49  |  | 4.15  |  | 0.59 |  | 0.73 |  | 1.04  |  | 1.90  |  | 3.05 
|37        |  | 0.78   |  | 0.99  |  | 1.45  |  | 2.67  |  | 4.28  |  | 0.62 |  | 0.78 |  | 1.10  |  | 1.97  |  | 3.25 
|38        |  | 0.83   |  | 1.06  |  | 1.54  |  | 2.99  |  | 4.59  |  | 0.65 |  | 0.83 |  | 1.16  |  | 2.13  |  | 3.60 
|39        |  | 0.90   |  | 1.15  |  | 1.65  |  | 3.25  |  | 4.94  |  | 0.70 |  | 0.90 |  | 1.25  |  | 2.27  |  | 3.89 
|40        |  | 0.98   |  | 1.25  |  | 1.77  |  | 3.54  |  | 5.40  |  | 0.75 |  | 0.97 |  | 1.35  |  | 2.52  |  | 4.19 
|41        |  | 1.07   |  | 1.36  |  | 1.91  |  | 3.91  |  | 5.91  |  | 0.80 |  | 1.05 |  | 1.45  |  | 2.79  |  | 4.55 
|42        |  | 1.17   |  | 1.49  |  | 2.07  |  | 4.38  |  | 6.42  |  | 0.86 |  | 1.13 |  | 1.56  |  | 3.06  |  | 4.91 
|43        |  | 1.28   |  | 1.63  |  | 2.25  |  | 4.86  |  | 7.01  |  | 0.93 |  | 1.22 |  | 1.68  |  | 3.34  |  | 5.29 
|44        |  | 1.41   |  | 1.79  |  | 2.45  |  | 5.53  |  | 7.76  |  | 1.01 |  | 1.32 |  | 1.81  |  | 3.67  |  | 5.65 
|45        |  | 1.56   |  | 1.96  |  | 2.66  |  | 6.28  |  | 8.38  |  | 1.09 |  | 1.42 |  | 1.94  |  | 4.00  |  | 6.01 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|46        |  | 1.72   |  | 2.14  |  | 2.93  |  | 6.93  |  | 9.44  |  | 1.18 |  | 1.53 |  | 2.08  |  | 4.30  |  | 6.56 
|47        |  | 1.89   |  | 2.34  |  | 3.20  |  | 7.56  |  | 10.44 |  | 1.29 |  | 1.64 |  | 2.24  |  | 4.60  |  | 7.02 
|48        |  | 2.07   |  | 2.56  |  | 3.44  |  | 8.26  |  | 11.31 |  | 1.41 |  | 1.75 |  | 2.42  |  | 4.91  |  | 7.46 
|49        |  | 2.26   |  | 2.79  |  | 3.76  |  | 9.00  |  | 12.31 |  | 1.54 |  | 1.87 |  | 2.63  |  | 5.27  |  | 7.99 
|50        |  | 2.46   |  | 3.03  |  | 4.10  |  | 9.66  |  | 13.17 |  | 1.68 |  | 2.00 |  | 2.87  |  | 5.72  |  | 8.50 
|51        |  | 2.67   |  | 3.28  |  | 4.45  |  | 10.47 |  | 14.07 |  | 1.83 |  | 2.14 |  | 3.14  |  | 6.01  |  | 9.09 
|52        |  | 2.90   |  | 3.54  |  | 4.81  |  | 11.30 |  | 14.81 |  | 1.99 |  | 2.29 |  | 3.44  |  | 6.42  |  | 9.76 
|53        |  | 3.17   |  | 3.81  |  | 5.19  |  | 12.16 |  | 16.64 |  | 2.17 |  | 2.46 |  | 3.77  |  | 7.01  |  | 10.51
|54        |  | 3.47   |  | 4.09  |  | 5.61  |  | 13.12 |  | 18.03 |  | 2.38 |  | 2.66 |  | 4.12  |  | 7.56  |  | 11.19
|55        |  | 3.81   |  | 4.39  |  | 6.01  |  | 13.88 |  | 19.22 |  | 2.61 |  | 2.88 |  | 4.49  |  | 8.20  |  | 11.96
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|56        |  | 4.20   |  | 4.73  |  | 6.48  |  | 15.65 |  | 22.39 |  | 2.86 |  | 3.13 |  | 4.88  |  | 8.75  |  | 12.83
|57        |  | 4.63   |  | 5.11  |  | 7.00  |  | 17.77 |  | 25.34 |  | 3.14 |  | 3.41 |  | 5.30  |  | 9.27  |  | 13.45
|58        |  | 5.12   |  | 5.56  |  | 7.61  |  | 19.82 |  | 27.04 |  | 3.46 |  | 3.73 |  | 5.76  |  | 10.05 |  | 14.85
|59        |  | 5.68   |  | 6.10  |  | 8.34  |  | 21.76 |  | 28.08 |  | 3.81 |  | 4.08 |  | 6.27  |  | 10.86 |  | 16.08
|60        |  | 6.32   |  | 6.75  |  | 9.21  |  | 22.39 |  | 29.54 |  | 4.20 |  | 4.48 |  | 6.84  |  | 11.86 |  | 17.38
|61        |  | 7.12   |  | 8.29  |  | 10.20 |  | 24.49 |  | 31.00 |  | 4.98 |  | 5.29 |  | 7.74  |  | 12.87 |  | 18.25
|62        |  | 8.42   |  | 9.87  |  | 11.89 |  | 26.59 |  | 32.47 |  | 5.77 |  | 6.11 |  | 8.64  |  | 13.88 |  | 19.12
|63        |  | 9.72   |  | 11.45 |  | 13.58 |  | 28.69 |  | 33.94 |  | 6.55 |  | 6.92 |  | 9.55  |  | 14.89 |  | 19.99
|64        |  | 11.02  |  | 13.02 |  | 15.26 |  | 30.79 |  | 35.40 |  | 7.34 |  | 7.74 |  | 10.45 |  | 15.91 |  | 20.86
|65        |  | 12.32  |  | 14.60 |  | 16.95 |  | 32.89 |  | 36.87 |  | 8.12 |  | 8.55 |  | 11.35 |  | 16.92 |  | 21.73

** ADD $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 20 Advantage



|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|--------- |  | ------ |  | ----- |  | ----- |  | ----- |  | ----- |  | ---- |  | ---- |  | ----- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT   |  | SNT   |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT   |  | PT    |  | ST   
|18        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|19        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|20        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|21        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|22        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|23        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|24        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|25        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.37  |  | 0.47 |  | 0.53 |  | 0.71  |  | 1.28  |  | 1.94 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|26        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.38  |  | 0.47 |  | 0.53 |  | 0.72  |  | 1.29  |  | 1.98 
|27        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.62  |  | 2.39  |  | 0.47 |  | 0.53 |  | 0.72  |  | 1.30  |  | 2.00 
|28        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.67  |  | 2.40  |  | 0.47 |  | 0.54 |  | 0.73  |  | 1.33  |  | 2.01 
|29        |  | 0.55   |  | 0.61  |  | 0.87  |  | 1.68  |  | 2.48  |  | 0.47 |  | 0.55 |  | 0.75  |  | 1.36  |  | 2.04 
|30        |  | 0.55   |  | 0.61  |  | 0.88  |  | 1.72  |  | 2.56  |  | 0.47 |  | 0.55 |  | 0.76  |  | 1.41  |  | 2.05 
|31        |  | 0.56   |  | 0.62  |  | 0.90  |  | 1.77  |  | 2.68  |  | 0.47 |  | 0.56 |  | 0.77  |  | 1.44  |  | 2.11 
|32        |  | 0.56   |  | 0.65  |  | 0.93  |  | 1.80  |  | 2.84  |  | 0.48 |  | 0.56 |  | 0.79  |  | 1.49  |  | 2.19 
|33        |  | 0.56   |  | 0.68  |  | 0.98  |  | 1.88  |  | 3.03  |  | 0.49 |  | 0.57 |  | 0.81  |  | 1.54  |  | 2.28 
|34        |  | 0.57   |  | 0.72  |  | 1.03  |  | 2.01  |  | 3.25  |  | 0.50 |  | 0.59 |  | 0.83  |  | 1.60  |  | 2.40 
|35        |  | 0.60   |  | 0.76  |  | 1.09  |  | 2.16  |  | 3.51  |  | 0.51 |  | 0.63 |  | 0.86  |  | 1.66  |  | 2.54 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|36        |  | 0.63   |  | 0.81  |  | 1.16  |  | 2.34  |  | 3.75  |  | 0.52 |  | 0.67 |  | 0.91  |  | 1.80  |  | 2.73 
|37        |  | 0.68   |  | 0.88  |  | 1.25  |  | 2.53  |  | 4.00  |  | 0.54 |  | 0.71 |  | 0.98  |  | 1.88  |  | 2.95 
|38        |  | 0.74   |  | 0.95  |  | 1.35  |  | 2.82  |  | 4.31  |  | 0.58 |  | 0.75 |  | 1.05  |  | 2.05  |  | 3.19 
|39        |  | 0.80   |  | 1.02  |  | 1.46  |  | 3.08  |  | 4.66  |  | 0.62 |  | 0.79 |  | 1.12  |  | 2.17  |  | 3.45 
|40        |  | 0.87   |  | 1.12  |  | 1.59  |  | 3.39  |  | 5.07  |  | 0.67 |  | 0.86 |  | 1.21  |  | 2.44  |  | 3.78 
|41        |  | 0.95   |  | 1.22  |  | 1.73  |  | 3.75  |  | 5.50  |  | 0.72 |  | 0.93 |  | 1.31  |  | 2.72  |  | 4.11 
|42        |  | 1.03   |  | 1.32  |  | 1.88  |  | 4.20  |  | 5.96  |  | 0.77 |  | 1.00 |  | 1.40  |  | 2.98  |  | 4.44 
|43        |  | 1.12   |  | 1.44  |  | 2.04  |  | 4.64  |  | 6.47  |  | 0.82 |  | 1.07 |  | 1.49  |  | 3.27  |  | 4.76 
|44        |  | 1.22   |  | 1.57  |  | 2.22  |  | 5.17  |  | 7.02  |  | 0.88 |  | 1.14 |  | 1.59  |  | 3.59  |  | 5.07 
|45        |  | 1.34   |  | 1.72  |  | 2.43  |  | 5.71  |  | 7.59  |  | 0.97 |  | 1.22 |  | 1.69  |  | 3.88  |  | 5.39 
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|46        |  | 1.46   |  | 1.87  |  | 2.63  |  | 6.18  |  | 8.20  |  | 1.02 |  | 1.32 |  | 1.83  |  | 4.21  |  | 5.76 
|47        |  | 1.61   |  | 2.02  |  | 2.85  |  | 6.62  |  | 8.83  |  | 1.11 |  | 1.43 |  | 1.99  |  | 4.52  |  | 6.14 
|48        |  | 1.79   |  | 2.20  |  | 3.08  |  | 7.27  |  | 9.53  |  | 1.21 |  | 1.55 |  | 2.15  |  | 4.82  |  | 6.55 
|49        |  | 1.99   |  | 2.39  |  | 3.38  |  | 8.01  |  | 10.26 |  | 1.35 |  | 1.69 |  | 2.34  |  | 5.16  |  | 7.00 
|50        |  | 2.19   |  | 2.60  |  | 3.70  |  | 8.82  |  | 11.09 |  | 1.50 |  | 1.84 |  | 2.55  |  | 5.57  |  | 7.48 
|51        |  | 2.39   |  | 2.85  |  | 4.03  |  | 9.65  |  | 12.00 |  | 1.65 |  | 2.00 |  | 2.78  |  | 5.89  |  | 7.99 
|52        |  | 2.59   |  | 3.14  |  | 4.37  |  | 10.47 |  | 13.04 |  | 1.82 |  | 2.19 |  | 3.05  |  | 6.31  |  | 8.57 
|53        |  | 2.80   |  | 3.47  |  | 4.81  |  | 11.30 |  | 14.20 |  | 1.99 |  | 2.36 |  | 3.35  |  | 6.86  |  | 9.21 
|54        |  | 3.11   |  | 3.84  |  | 5.30  |  | 12.12 |  | 15.46 |  | 2.16 |  | 2.56 |  | 3.66  |  | 7.44  |  | 9.86 
|55        |  | 3.46   |  | 4.22  |  | 5.76  |  | 12.95 |  | 16.79 |  | 2.34 |  | 2.78 |  | 4.00  |  | 8.03  |  | 10.52
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      
|56        |  | 3.91   |  | 4.57  |  | 6.25  |  | 14.07 |  | 18.18 |  | 2.60 |  | 3.03 |  | 4.40  |  | 8.62  |  | 11.17
|57        |  | 4.41   |  | 4.95  |  | 6.85  |  | 15.38 |  | 19.62 |  | 2.92 |  | 3.31 |  | 4.81  |  | 9.15  |  | 11.76
|58        |  | 4.93   |  | 5.37  |  | 7.43  |  | 16.76 |  | 21.13 |  | 3.25 |  | 3.63 |  | 5.23  |  | 9.93  |  | 12.33
|59        |  | 5.50   |  | 5.92  |  | 8.16  |  | 18.26 |  | 22.73 |  | 3.62 |  | 3.98 |  | 5.70  |  | 10.67 |  | 12.95
|60        |  | 6.13   |  | 6.62  |  | 9.02  |  | 19.92 |  | 24.50 |  | 4.00 |  | 4.38 |  | 6.26  |  | 11.48 |  | 13.70
|61        |  | 6.94   |  | 7.69  |  | 10.03 |  | 21.81 |  | 26.48 |  | 4.56 |  | 5.00 |  | 6.94  |  | 12.22 |  | 14.62
|62        |  | 8.12   |  | 9.37  |  | 11.72 |  | 23.95 |  | 28.69 |  | 5.19 |  | 5.61 |  | 7.78  |  | 13.17 |  | 15.83
|63        |  | 9.32   |  | 10.98 |  | 13.38 |  | 26.33 |  | 31.15 |  | 5.97 |  | 6.35 |  | 8.80  |  | 14.26 |  | 17.29
|64        |  | 10.57  |  | 12.66 |  | 15.06 |  | 28.95 |  | 33.75 |  | 6.86 |  | 7.20 |  | 9.95  |  | 15.52 |  | 18.93
|65        |  | 11.86  |  | 14.36 |  | 16.76 |  | 31.75 |  | 36.67 |  | 7.83 |  | 8.14 |  | 11.19 |  | 16.73 |  | 20.64
|          |  |        |  |       |  |       |  |       |  |       |  |      |  |      |  |       |  |       |  |      

* Add $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 30



|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|--------- |  | ------ |  | ---- |  | ---- |  | ----- |  | ----- |  | ---- |  | ---- |  | ---- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT  |  | SNT  |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT  |  | PT    |  | ST   
|18        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.96  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.86 
|19        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.96  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.86 
|20        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.96  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.86 
|21        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.97  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.87 
|22        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.97  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.88 
|23        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.98  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.89 
|24        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.98  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.90 
|25        |  | 1.01   |  | 1.23 |  | 1.70 |  | 2.72  |  | 3.99  |  | 0.78 |  | 1.00 |  | 1.28 |  | 2.26  |  | 2.92 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|26        |  | 1.02   |  | 1.24 |  | 1.71 |  | 2.74  |  | 4.03  |  | 0.79 |  | 1.01 |  | 1.29 |  | 2.27  |  | 2.99 
|27        |  | 1.03   |  | 1.25 |  | 1.73 |  | 2.76  |  | 4.06  |  | 0.80 |  | 1.01 |  | 1.31 |  | 2.29  |  | 3.08 
|28        |  | 1.04   |  | 1.28 |  | 1.75 |  | 2.81  |  | 4.09  |  | 0.81 |  | 1.02 |  | 1.34 |  | 2.31  |  | 3.20 
|29        |  | 1.06   |  | 1.31 |  | 1.77 |  | 2.87  |  | 4.13  |  | 0.82 |  | 1.02 |  | 1.36 |  | 2.35  |  | 3.33 
|30        |  | 1.08   |  | 1.36 |  | 1.82 |  | 2.98  |  | 4.16  |  | 0.83 |  | 1.03 |  | 1.39 |  | 2.38  |  | 3.44 
|31        |  | 1.10   |  | 1.38 |  | 1.89 |  | 3.14  |  | 4.32  |  | 0.84 |  | 1.03 |  | 1.42 |  | 2.45  |  | 3.49 
|32        |  | 1.13   |  | 1.42 |  | 1.99 |  | 3.33  |  | 4.55  |  | 0.86 |  | 1.04 |  | 1.46 |  | 2.56  |  | 3.56 
|33        |  | 1.16   |  | 1.46 |  | 2.11 |  | 3.56  |  | 4.82  |  | 0.88 |  | 1.05 |  | 1.51 |  | 2.68  |  | 3.67 
|34        |  | 1.20   |  | 1.51 |  | 2.24 |  | 3.84  |  | 5.14  |  | 0.90 |  | 1.07 |  | 1.56 |  | 2.82  |  | 3.78 
|35        |  | 1.25   |  | 1.57 |  | 2.38 |  | 4.16  |  | 5.51  |  | 0.94 |  | 1.10 |  | 1.65 |  | 3.03  |  | 3.93 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|36        |  | 1.33   |  | 1.65 |  | 2.43 |  | 4.46  |  | 5.91  |  | 1.00 |  | 1.18 |  | 1.73 |  | 3.25  |  | 4.26 
|37        |  | 1.42   |  | 1.73 |  | 2.47 |  | 4.79  |  | 6.36  |  | 1.06 |  | 1.26 |  | 1.82 |  | 3.51  |  | 4.63 
|38        |  | 1.52   |  | 1.82 |  | 2.51 |  | 5.17  |  | 6.86  |  | 1.12 |  | 1.35 |  | 1.91 |  | 3.78  |  | 5.04 
|39        |  | 1.63   |  | 1.93 |  | 2.57 |  | 5.60  |  | 7.45  |  | 1.20 |  | 1.46 |  | 2.02 |  | 4.10  |  | 5.52 
|40        |  | 1.75   |  | 2.04 |  | 2.62 |  | 6.06  |  | 8.06  |  | 1.28 |  | 1.58 |  | 2.13 |  | 4.44  |  | 6.03 
|41        |  | 1.90   |  | 2.27 |  | 2.93 |  | 6.85  |  | 8.98  |  | 1.40 |  | 1.75 |  | 2.36 |  | 4.95  |  | 6.53 
|42        |  | 2.08   |  | 2.52 |  | 3.28 |  | 7.74  |  | 9.99  |  | 1.52 |  | 1.93 |  | 2.61 |  | 5.47  |  | 7.04 
|43        |  | 2.29   |  | 2.81 |  | 3.68 |  | 8.75  |  | 11.12 |  | 1.64 |  | 2.12 |  | 2.86 |  | 6.01  |  | 7.54 
|44        |  | 2.54   |  | 3.13 |  | 4.12 |  | 9.85  |  | 12.34 |  | 1.77 |  | 2.33 |  | 3.14 |  | 6.59  |  | 8.06 
|45        |  | 2.80   |  | 3.49 |  | 4.62 |  | 11.01 |  | 13.63 |  | 1.92 |  | 2.55 |  | 3.45 |  | 7.21  |  | 8.59 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|46        |  | 3.03   |  | 3.77 |  | 4.99 |  | 11.99 |  | 14.84 |  | 2.11 |  | 2.73 |  | 3.69 |  | 7.71  |  | 9.20 
|47        |  | 3.33   |  | 4.16 |  | 5.48 |  | 13.06 |  | 15.80 |  | 2.33 |  | 3.00 |  | 3.99 |  | 8.38  |  | 9.77 
|48        |  | 3.66   |  | 4.58 |  | 6.02 |  | 14.22 |  | 16.81 |  | 2.56 |  | 3.31 |  | 4.33 |  | 9.13  |  | 10.41
|49        |  | 4.04   |  | 5.07 |  | 6.63 |  | 15.52 |  | 17.90 |  | 2.84 |  | 3.66 |  | 4.71 |  | 9.93  |  | 11.08
|50        |  | 4.55   |  | 5.73 |  | 7.44 |  | 17.03 |  | 18.68 |  | 3.15 |  | 4.15 |  | 5.20 |  | 10.96 |  | 11.69

* Add $100 POLICY FEE



---

Rates for Initial Guaranteed Period

RATES

Level 30 Advantage



|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|--------- |  | ------ |  | ---- |  | ---- |  | ----- |  | ----- |  | ---- |  | ---- |  | ---- |  | ----- |  | -----
|MALE      |  | FEMALE
|Issue Age |  | PBN    |  | PNT  |  | SNT  |  | PT    |  | ST    |  | PBN  |  | PNT  |  | SNT  |  | PT    |  | ST   
|18        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.69  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|19        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.69  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|20        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.69  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|21        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.69  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|22        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.69  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|23        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.70  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|24        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.70  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|25        |  | 0.92   |  | 1.09 |  | 1.49 |  | 2.64  |  | 3.71  |  | 0.72 |  | 0.86 |  | 1.16 |  | 2.00  |  | 2.60 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|26        |  | 0.93   |  | 1.10 |  | 1.50 |  | 2.65  |  | 3.73  |  | 0.73 |  | 0.86 |  | 1.18 |  | 2.02  |  | 2.67 
|27        |  | 0.94   |  | 1.11 |  | 1.52 |  | 2.66  |  | 3.75  |  | 0.74 |  | 0.86 |  | 1.20 |  | 2.07  |  | 2.77 
|28        |  | 0.96   |  | 1.12 |  | 1.54 |  | 2.70  |  | 3.78  |  | 0.75 |  | 0.87 |  | 1.22 |  | 2.11  |  | 2.92 
|29        |  | 0.98   |  | 1.13 |  | 1.56 |  | 2.77  |  | 3.82  |  | 0.76 |  | 0.87 |  | 1.24 |  | 2.18  |  | 3.14 
|30        |  | 1.02   |  | 1.14 |  | 1.58 |  | 2.87  |  | 3.86  |  | 0.77 |  | 0.87 |  | 1.26 |  | 2.22  |  | 3.31 
|31        |  | 1.04   |  | 1.16 |  | 1.63 |  | 2.98  |  | 3.99  |  | 0.78 |  | 0.89 |  | 1.28 |  | 2.31  |  | 3.39 
|32        |  | 1.07   |  | 1.19 |  | 1.69 |  | 3.12  |  | 4.18  |  | 0.80 |  | 0.91 |  | 1.30 |  | 2.43  |  | 3.50 
|33        |  | 1.10   |  | 1.22 |  | 1.77 |  | 3.30  |  | 4.40  |  | 0.82 |  | 0.94 |  | 1.32 |  | 2.56  |  | 3.61 
|34        |  | 1.14   |  | 1.26 |  | 1.86 |  | 3.51  |  | 4.66  |  | 0.84 |  | 0.98 |  | 1.35 |  | 2.71  |  | 3.72 
|35        |  | 1.19   |  | 1.31 |  | 1.96 |  | 3.76  |  | 4.97  |  | 0.88 |  | 1.03 |  | 1.41 |  | 2.93  |  | 3.80 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|36        |  | 1.27   |  | 1.40 |  | 2.03 |  | 4.04  |  | 5.32  |  | 0.93 |  | 1.09 |  | 1.48 |  | 3.14  |  | 4.10 
|37        |  | 1.36   |  | 1.49 |  | 2.10 |  | 4.35  |  | 5.72  |  | 0.98 |  | 1.16 |  | 1.56 |  | 3.38  |  | 4.47 
|38        |  | 1.46   |  | 1.59 |  | 2.17 |  | 4.69  |  | 6.16  |  | 1.04 |  | 1.23 |  | 1.65 |  | 3.62  |  | 4.85 
|39        |  | 1.57   |  | 1.71 |  | 2.26 |  | 5.08  |  | 6.67  |  | 1.11 |  | 1.32 |  | 1.75 |  | 3.93  |  | 5.31 
|40        |  | 1.69   |  | 1.84 |  | 2.35 |  | 5.51  |  | 7.21  |  | 1.18 |  | 1.41 |  | 1.85 |  | 4.24  |  | 5.80 
|41        |  | 1.84   |  | 2.05 |  | 2.64 |  | 6.19  |  | 8.02  |  | 1.30 |  | 1.56 |  | 2.04 |  | 4.69  |  | 6.28 
|42        |  | 2.00   |  | 2.28 |  | 2.97 |  | 6.96  |  | 8.91  |  | 1.42 |  | 1.71 |  | 2.24 |  | 5.16  |  | 6.77 
|43        |  | 2.19   |  | 2.53 |  | 3.33 |  | 7.82  |  | 9.91  |  | 1.55 |  | 1.88 |  | 2.44 |  | 5.63  |  | 7.24 
|44        |  | 2.39   |  | 2.83 |  | 3.75 |  | 8.75  |  | 10.98 |  | 1.70 |  | 2.06 |  | 2.67 |  | 6.15  |  | 7.74 
|45        |  | 2.62   |  | 3.15 |  | 4.21 |  | 9.74  |  | 12.11 |  | 1.85 |  | 2.25 |  | 2.91 |  | 6.69  |  | 8.25 
|          |  |        |  |      |  |      |  |       |  |       |  |      |  |      |  |      |  |       |  |      
|46        |  | 2.89   |  | 3.41 |  | 4.58 |  | 10.74 |  | 13.02 |  | 2.05 |  | 2.48 |  | 3.17 |  | 7.30  |  | 8.76 
|47        |  | 3.20   |  | 3.69 |  | 5.00 |  | 11.83 |  | 14.00 |  | 2.26 |  | 2.72 |  | 3.44 |  | 7.98  |  | 9.30 
|48        |  | 3.54   |  | 4.00 |  | 5.45 |  | 13.04 |  | 15.05 |  | 2.49 |  | 3.00 |  | 3.75 |  | 8.73  |  | 9.88 
|49        |  | 3.92   |  | 4.35 |  | 5.97 |  | 14.38 |  | 16.20 |  | 2.76 |  | 3.31 |  | 4.09 |  | 9.55  |  | 10.51
|50        |  | 4.37   |  | 4.76 |  | 6.57 |  | 15.92 |  | 17.49 |  | 3.06 |  | 3.66 |  | 4.47 |  | 10.43 |  | 11.17

* Add $100 POLICY FEE



---

Exhibit I

Premium Rates

rates for policy years beyond initial guaranteed period:

GUARANTEED ANNUAL YRT PREMIUMS

per $1000



|        |  |        |  |         |  |          |  |          
|------- |  | ------ |  | ------- |  | -------- |  | ---------
|ATT AGE |  | MALE T |  | MALE NT |  | FEMALE T |  | FEMALE NT
|30      |  | 4.70   |  | 2.58    |  | 3.56     |  | 2.10     
|31      |  | 4.85   |  | 2.63    |  | 3.70     |  | 2.15     
|32      |  | 5.01   |  | 2.46    |  | 3.86     |  | 2.21     
|33      |  | 5.26   |  | 2.54    |  | 4.02     |  | 2.28     
|34      |  | 5.55   |  | 2.64    |  | 4.27     |  | 2.40     
|35      |  | 5.89   |  | 2.77    |  | 4.46     |  | 2.49     
|36      |  | 6.29   |  | 2.91    |  | 4.80     |  | 2.64     
|37      |  | 6.80   |  | 3.09    |  | 5.24     |  | 2.82     
|38      |  | 7.39   |  | 3.28    |  | 5.72     |  | 3.03     
|39      |  | 8.06   |  | 3.51    |  | 6.27     |  | 3.26     
|40      |  | 8.82   |  | 3.76    |  | 6.90     |  | 3.52     
|41      |  | 9.72   |  | 4.06    |  | 7.66     |  | 3.82     
|42      |  | 10.64  |  | 4.35    |  | 8.37     |  | 4.13     
|43      |  | 11.69  |  | 4.70    |  | 9.11     |  | 4.43     
|44      |  | 12.79  |  | 5.04    |  | 9.84     |  | 4.74     
|45      |  | 14.04  |  | 5.45    |  | 10.60    |  | 5.06     
|46      |  | 15.30  |  | 5.90    |  | 11.38    |  | 5.40     
|47      |  | 16.67  |  | 6.37    |  | 12.21    |  | 5.77     
|48      |  | 18.10  |  | 6.88    |  | 13.07    |  | 6.18     
|49      |  | 19.72  |  | 7.46    |  | 13.99    |  | 6.60     
|50      |  | 21.42  |  | 8.07    |  | 15.05    |  | 7.09     
|51      |  | 23.40  |  | 8.79    |  | 16.11    |  | 7.62     
|52      |  | 25.60  |  | 9.63    |  | 17.30    |  | 8.21     
|53      |  | 28.11  |  | 10.57   |  | 18.71    |  | 8.91     
|54      |  | 30.94  |  | 11.66   |  | 20.14    |  | 9.26     
|55      |  | 33.94  |  | 12.86   |  | 21.64    |  | 10.38    
|56      |  | 37.20  |  | 14.19   |  | 23.13    |  | 11.16    
|57      |  | 40.56  |  | 15.61   |  | 24.56    |  | 11.95    
|58      |  | 44.15  |  | 17.14   |  | 25.90    |  | 12.69    
|59      |  | 47.88  |  | 18.87   |  | 27.29    |  | 13.49    
|60      |  | 52.01  |  | 20.79   |  | 28.81    |  | 14.42    
|61      |  | 56.66  |  | 22.93   |  | 30.77    |  | 15.52    
|62      |  | 61.89  |  | 25.37   |  | 33.15    |  | 16.92    
|63      |  | 67.82  |  | 28.15   |  | 36.35    |  | 18.67    
|64      |  | 74.36  |  | 31.30   |  | 39.92    |  | 20.73    
|65      |  | 81.43  |  | 34.77   |  | 43.94    |  | 22.97    
|66      |  | 88.80  |  | 38.51   |  | 47.90    |  | 25.38    
|67      |  | 96.53  |  | 42.56   |  | 52.03    |  | 27.83    
|68      |  | 104.48 |  | 46.91   |  | 55.77    |  | 30.29    
|69      |  | 112.96 |  | 51.66   |  | 59.97    |  | 32.92    
|70      |  | 122.31 |  | 57.01   |  | 64.42    |  | 35.96    
|71      |  | 132.67 |  | 64.07   |  | 70.19    |  | 39.60    
|72      |  | 144.45 |  | 70.08   |  | 77.35    |  | 44.09    
|73      |  | 157.71 |  | 78.13   |  | 86.07    |  | 49.58    
|74      |  | 172.16 |  | 87.16   |  | 96.25    |  | 56.03    
|75      |  | 188.15 |  | 96.85   |  | 107.56   |  | 63.33    
|76      |  | 204.63 |  | 107.17  |  | 119.74   |  | 71.36    
|77      |  | 221.32 |  | 118.02  |  | 132.53   |  | 79.96    
|78      |  | 237.94 |  | 129.28  |  | 145.85   |  | 89.17    



---

Exhibit I

Premium Rates



|        |  |        |  |         |  |          |  |          
|------- |  | ------ |  | ------- |  | -------- |  | ---------
|ATT AGE |  | MALE T |  | MALE NT |  | FEMALE T |  | FEMALE NT
|79      |  | 254.99 |  | 141.24  |  | 160.12   |  | 99.23    
|80      |  | 273.22 |  | 154.36  |  | 175.93   |  | 110.56   
|81      |  | 293.06 |  | 168.96  |  | 193.81   |  | 123.55   
|82      |  | 315.09 |  | 185.45  |  | 214.23   |  | 138.56   
|83      |  | 339.47 |  | 204.05  |  | 237.38   |  | 155.84   
|84      |  | 365.26 |  | 224.37  |  | 264.59   |  | 174.99   
|85      |  | 391.62 |  | 245.97  |  | 291.79   |  | 195.99   
|86      |  | 417.69 |  | 268.42  |  | 322.67   |  | 218.43   
|87      |  | 443.09 |  | 291.51  |  | 352.43   |  | 242.44   
|88      |  | 470.82 |  | 314.79  |  | 386.08   |  | 267.79   
|89      |  | 498.19 |  | 338.57  |  | 418.08   |  | 294.82   
|90      |  | 525.60 |  | 363.18  |  | 454.92   |  | 323.54   
|91      |  | 553.61 |  | 389.03  |  | 494.22   |  | 354.49   
|92      |  | 583.38 |  | 416.96  |  | 537.07   |  | 388.56   
|93      |  | 621.62 |  | 448.15  |  | 585.64   |  | 427.36   
|94      |  | 670.84 |  | 487.82  |  | 645.21   |  | 474.83   

* ADD $70.00 POLICY FEE



---

Exhibit I

Premium Rates

(6/03)

Waver of Premium

Annual Rider Rates per 1000



|    |  |                              |  |     |  |                              |  |     |  |                              |  |     |  |                              |  |     |  |                                  
|--- |  | ---------------------------- |  | --- |  | ---------------------------- |  | --- |  | ---------------------------- |  | --- |  | ---------------------------- |  | --- |  | ---------------------------------
|Age |  | Level 10 /Level 10 Advantage |  | Age |  | Level 15 /Level 15 Advantage |  | Age |  | Level 20 /Level 20 Advantage |  | Age |  | Level 30 /Level 30 Advantage |  | Age |  | YRT RatesAfter InitialTerm Period
|18  |  | 0.10                         |  | 18  |  | 0.10                         |  | 18  |  | 0.11                         |  | 18  |  | 0.18                         |  | 30  |  | 0.11                             
|19  |  | 0.10                         |  | 19  |  | 0.10                         |  | 19  |  | 0.11                         |  | 19  |  | 0.18                         |  | 31  |  | 0.11                             
|20  |  | 0.10                         |  | 20  |  | 0.10                         |  | 20  |  | 0.11                         |  | 20  |  | 0.18                         |  | 32  |  | 0.11                             
|21  |  | 0.10                         |  | 21  |  | 0.10                         |  | 21  |  | 0.11                         |  | 21  |  | 0.18                         |  | 33  |  | 0.12                             
|22  |  | 0.10                         |  | 22  |  | 0.10                         |  | 22  |  | 0.11                         |  | 22  |  | 0.18                         |  | 34  |  | 0.12                             
|23  |  | 0.10                         |  | 23  |  | 0.10                         |  | 23  |  | 0.11                         |  | 23  |  | 0.18                         |  | 35  |  | 0.13                             
|24  |  | 0.10                         |  | 24  |  | 0.10                         |  | 24  |  | 0.11                         |  | 24  |  | 0.18                         |  | 36  |  | 0.14                             
|25  |  | 0.10                         |  | 25  |  | 0.10                         |  | 25  |  | 0.11                         |  | 25  |  | 0.18                         |  | 37  |  | 0.15                             
|26  |  | 0.10                         |  | 26  |  | 0.10                         |  | 26  |  | 0.11                         |  | 26  |  | 0.18                         |  | 38  |  | 0.16                             
|27  |  | 0.10                         |  | 27  |  | 0.10                         |  | 27  |  | 0.11                         |  | 27  |  | 0.19                         |  | 39  |  | 0.18                             
|28  |  | 0.10                         |  | 28  |  | 0.10                         |  | 28  |  | 0.11                         |  | 28  |  | 0.19                         |  | 40  |  | 0.20                             
|29  |  | 0.10                         |  | 29  |  | 0.10                         |  | 29  |  | 0.11                         |  | 29  |  | 0.19                         |  | 41  |  | 0.22                             
|30  |  | 0.10                         |  | 30  |  | 0.10                         |  | 30  |  | 0.11                         |  | 30* |  | 0.19                         |  | 42  |  | 0.24                             
|31  |  | 0.10                         |  | 31  |  | 0.10                         |  | 31  |  | 0.11                         |  | 31* |  | 0.20                         |  | 43  |  | 0.27                             
|32  |  | 0.10                         |  | 32  |  | 0.10                         |  | 32  |  | 0.11                         |  | 32* |  | 0.20                         |  | 44  |  | 0.30                             
|33  |  | 0.11                         |  | 33  |  | 0.11                         |  | 33  |  | 0.12                         |  | 33* |  | 0.20                         |  | 45  |  | 0.34                             
|34  |  | 0.11                         |  | 34  |  | 0.11                         |  | 34  |  | 0.12                         |  | 34* |  | 0.21                         |  | 46  |  | 0.42                             
|35  |  | 0.12                         |  | 35  |  | 0.12                         |  | 35  |  | 0.13                         |  | 35* |  | 0.23                         |  | 47  |  | 0.48                             
|36  |  | 0.12                         |  | 36  |  | 0.13                         |  | 36  |  | 0.14                         |  | 36* |  | 0.24                         |  | 48  |  | 0.55                             
|37  |  | 0.13                         |  | 37  |  | 0.14                         |  | 37  |  | 0.15                         |  | 37* |  | 0.28                         |  | 49  |  | 0.67                             
|38  |  | 0.14                         |  | 38  |  | 0.15                         |  | 38  |  | 0.16                         |  | 38* |  | 0.30                         |  | 50  |  | 0.75                             
|39  |  | 0.15                         |  | 39  |  | 0.16                         |  | 39  |  | 0.18                         |  | 39* |  | 0.32                         |  | 51  |  | 1.04                             
|40  |  | 0.17                         |  | 40  |  | 0.18                         |  | 40* |  | 0.20                         |  | 40* |  | 0.37                         |  | 52  |  | 1.32                             
|41  |  | 0.19                         |  | 41  |  | 0.20                         |  | 41* |  | 0.22                         |  | 41* |  | 0.40                         |  | 53  |  | 1.63                             
|42  |  | 0.21                         |  | 42  |  | 0.22                         |  | 42* |  | 0.24                         |  | 42* |  | 0.44                         |  | 54  |  | 2.04                             
|43  |  | 0.24                         |  | 43  |  | 0.25                         |  | 43* |  | 0.27                         |  | 43* |  | 0.49                         |  | 55  |  | 2.46                             
|44  |  | 0.27                         |  | 44  |  | 0.28                         |  | 44* |  | 0.30                         |  | 44* |  | 0.54                         |  | 56+ |  | 3.00                             
|45  |  | 0.29                         |  | 45  |  | 0.31                         |  | 45* |  | 0.34                         |  | 45* |  | 0.62                         |  | 57+ |  | 3.30                             
|46  |  | 0.31                         |  | 46  |  | 0.36                         |  | 46* |  | 0.42                         |  | 46* |  | 0.77                         |  | 58+ |  | 3.82                             
|47  |  | 0.35                         |  | 47  |  | 0.40                         |  | 47* |  | 0.48                         |  | 47* |  | 0.87                         |  | 59+ |  | 4.91                             
|48  |  | 0.42                         |  | 48  |  | 0.48                         |  | 48* |  | 0.55                         |  | 48* |  | 1.04                         |  |     |  |                                  
|49  |  | 0.51                         |  | 49  |  | 0.58                         |  | 49* |  | 0.67                         |  | 49* |  | 1.31                         |  |     |  |                                  
|50* |  | 0.64                         |  | 50* |  | 0.69                         |  | 50* |  | 0.75                         |  | 50* |  | 1.52                         |  |     |  |                                  
|51* |  | 0.81                         |  | 51* |  | 0.91                         |  | 51* |  | 1.04                         |  | 51* |  |                              |  |     |  |                                  
|52* |  | 1.01                         |  | 52* |  | 1.15                         |  | 52* |  | 1.32                         |  | 52* |  |                              |  |     |  |                                  
|53* |  | 1.23                         |  | 53* |  | 1.40                         |  | 53* |  | 1.63                         |  | 53* |  |                              |  |     |  |                                  
|54* |  | 1.53                         |  | 54* |  | 1.74                         |  | 54* |  | 2.04                         |  | 54* |  |                              |  |     |  |                                  
|55* |  | 1.93                         |  | 55* |  | 2.14                         |  | 55* |  | 2.46                         |  | 55* |  |                              |  |     |  |                                  

* These rates are payable to age 60, where the coverage on this rider expires.

+ Rates for Renewal Only



---

Exhibit II

Expense Allowances



|        |  |                                
|------- |  | -------------------------------
|1. Life |  | First Year: 100%               
|        |  | Renewal Years: See table below.



|            |  |              |       |   |              |  |       |              |  |  |              |   |  |        |       |   |        |  |       |        |  |  |        |   |  |  |       |   |  |  |       |  
|----------- |  | ------------ | ----- | - | ------------ |  | ----- | ------------ |  |  | ------------ | - |  | ------ | ----- | - | ------ |  | ----- | ------ |  |  | ------ | - |  |  | ----- | - |  |  | ----- | -
|            |  | 10 Year Term |       |   | 15 Year Term |  |       | 20 Year Term |  |  | 30 Year Term |  
|            |  | Band 1       |       |   | Band 2       |  |       | Band 1       |  |  | Band 2       |   |  | Band 1 |       |   | Band 2 |  |       | Band 1 |  |  | Band 2 |  
|Male P+NT   |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Male PNT    |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Male SNT    |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Male PT     |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Male ST     |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Female P+NT |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Female PNT  |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Female SNT  |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Female PT   |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]
|Female ST   |  |              | [**** | ] |              |  | [**** | ]            |  |  | [****        | ] |  |        | [**** | ] |        |  | [**** | ]      |  |  | [****  | ] |  |  | [**** | ] |  |  | [**** | ]

Policy fees are
reinsured with a 100% expense allowance.

2. Flat Extra Premiums



| |  |                                 |  |           |  |             
| |  | ------------------------------- |  | --------- |  | ------------
| |  | Terms of the
Flat Extra Premium |  | FirstYear |  | RenewalYears
| |  |                                
| |  | More than 5 years               |  | 90%       |  | 10%         
| |  | 5 years or less                 |  | 10%       |  | 10%         

3. Waiver of
Premium

| |  |  |  |           |    |   |              |  |    |  
| |  |  |  | --------- | -- | - | ------------ |  | -- | -
| |  |  |  | FirstYear |    |   | RenewalYears | 
| |  | 
| |  |  |  |           | 85 | % |              |  | 15 | %





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit III

YRT Rates

Reinsurance premiums for converted policies shall be equal to
the following percentages of the SOA 75/80Basic Select & Ultimate Mortality ANB tables with Allianz extension. If the new policy is on a plan that is currently reinsured by Transamerica, the YRT rates will be the point-in-scale
rates in use for that plan.



|              |  |               |       |  
|------------- |  | ------------- | ----- | -
|Product       |  | List Products |      
|Preferred+ NT |  |               | [**** | ]
|Preferred NT  |  |               | [**** | ]
|Standard NT   |  |               | [**** | ]
|Preferred TB  |  |               | [**** | ]
|Standard TB   |  |               | [**** | ]





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit III

YRT Premium Rates

Allianz

Male 75-80 ANB, S&U



|      |  |   |       |  |   |  |       |   |  |  |       |  |  |   |        |  |   |  |        |             |  |  |        |  |  |   |        |  |    |  |        |    |  |  |        |  |  |    |        |  |          |  |        |    |  |  |        |  |  |     |        |  |  |  |        |  |  |  |        |  |  |  |        |  |  |  |     | 
|----- |  | - | ----- |  | - |  | ----- | - |  |  | ----- |  |  | - | ------ |  | - |  | ------ | ----------- |  |  | ------ |  |  | - | ------ |  | -- |  | ------ | -- |  |  | ------ |  |  | -- | ------ |  | -------- |  | ------ | -- |  |  | ------ |  |  | --- | ------ |  |  |  | ------ |  |  |  | ------ |  |  |  | ------ |  |  |  | --- | 
|Issue |  |   |       |  |   |  |       |   |  |  |       |  |  |   |        |  |   |  |        | Policy year |  |  |        |  |  |   |        |  |    |  |        |    |  |  |        |  |  |    |        |  | Ultimate | 
|Age   |  | 1 |       |  | 2 |  |       | 3 |  |  | 4     |  |  | 5 |        |  | 6 |  |        | 7           |  |  | 8      |  |  | 9 |        |  | 10 |  |        | 11 |  |  | 12     |  |  | 13 |        |  | 14       |  |        | 15 |  |  | Rate   |  |  | Age |       
|0     |  |   | 1.23  |  |   |  | 0.74  |   |  |  | 0.48  |  |  |   | 0.43   |  |   |  | 0.38   |             |  |  | 0.34   |  |  |   | 0.33   |  |    |  | 0.29   |    |  |  | 0.27   |  |  |    | 0.27   |  |          |  | 0.25   |    |  |  | 0.28   |  |  |     | 0.31   |  |  |  | 0.38   |  |  |  | 0.54   |  |  |  | 0.68   |  |  |  | 15  | 
|1     |  |   | 0.49  |  |   |  | 0.47  |   |  |  | 0.42  |  |  |   | 0.36   |  |   |  | 0.28   |             |  |  | 0.23   |  |  |   | 0.22   |  |    |  | 0.22   |    |  |  | 0.24   |  |  |    | 0.24   |  |          |  | 0.27   |    |  |  | 0.30   |  |  |     | 0.38   |  |  |  | 0.54   |  |  |  | 0.68   |  |  |  | 1.01   |  |  |  | 16  | 
|2     |  |   | 0.35  |  |   |  | 0.37  |   |  |  | 0.33  |  |  |   | 0.28   |  |   |  | 0.23   |             |  |  | 0.22   |  |  |   | 0.21   |  |    |  | 0.24   |    |  |  | 0.24   |  |  |    | 0.27   |  |          |  | 0.30   |    |  |  | 0.37   |  |  |     | 0.54   |  |  |  | 0.68   |  |  |  | 1.01   |  |  |  | 1.14   |  |  |  | 17  | 
|3     |  |   | 0.35  |  |   |  | 0.29  |   |  |  | 0.25  |  |  |   | 0.23   |  |   |  | 0.22   |             |  |  | 0.20   |  |  |   | 0.22   |  |    |  | 0.24   |    |  |  | 0.27   |  |  |    | 0.30   |  |          |  | 0.37   |    |  |  | 0.53   |  |  |     | 0.68   |  |  |  | 1.01   |  |  |  | 1.14   |  |  |  | 1.22   |  |  |  | 18  | 
|4     |  |   | 0.29  |  |   |  | 0.25  |   |  |  | 0.23  |  |  |   | 0.22   |  |   |  | 0.20   |             |  |  | 0.22   |  |  |   | 0.24   |  |    |  | 0.27   |    |  |  | 0.30   |  |  |    | 0.36   |  |          |  | 0.52   |    |  |  | 0.66   |  |  |     | 0.99   |  |  |  | 1.11   |  |  |  | 1.22   |  |  |  | 1.31   |  |  |  | 19  | 
|5     |  |   | 0.25  |  |   |  | 0.23  |   |  |  | 0.22  |  |  |   | 0.20   |  |   |  | 0.22   |             |  |  | 0.24   |  |  |   | 0.27   |  |    |  | 0.30   |    |  |  | 0.36   |  |  |    | 0.50   |  |          |  | 0.66   |    |  |  | 0.96   |  |  |     | 1.09   |  |  |  | 1.16   |  |  |  | 1.31   |  |  |  | 1.37   |  |  |  | 20  | 
|6     |  |   | 0.23  |  |   |  | 0.22  |   |  |  | 0.20  |  |  |   | 0.22   |  |   |  | 0.24   |             |  |  | 0.27   |  |  |   | 0.30   |  |    |  | 0.36   |    |  |  | 0.50   |  |  |    | 0.66   |  |          |  | 0.94   |    |  |  | 1.07   |  |  |     | 1.14   |  |  |  | 1.21   |  |  |  | 1.37   |  |  |  | 1.40   |  |  |  | 21  | 
|7     |  |   | 0.19  |  |   |  | 0.20  |   |  |  | 0.22  |  |  |   | 0.24   |  |   |  | 0.27   |             |  |  | 0.30   |  |  |   | 0.35   |  |    |  | 0.50   |    |  |  | 0.66   |  |  |    | 0.87   |  |          |  | 1.05   |    |  |  | 1.13   |  |  |     | 1.19   |  |  |  | 1.23   |  |  |  | 1.40   |  |  |  | 1.41   |  |  |  | 22  | 
|8     |  |   | 0.18  |  |   |  | 0.21  |   |  |  | 0.21  |  |  |   | 0.27   |  |   |  | 0.29   |             |  |  | 0.35   |  |  |   | 0.50   |  |    |  | 0.66   |    |  |  | 0.87   |  |  |    | 1.05   |  |          |  | 1.13   |    |  |  | 1.19   |  |  |     | 1.23   |  |  |  | 1.30   |  |  |  | 1.39   |  |  |  | 1.40   |  |  |  | 23  | 
|9     |  |   | 0.19  |  |   |  | 0.20  |   |  |  | 0.24  |  |  |   | 0.29   |  |   |  | 0.35   |             |  |  | 0.50   |  |  |   | 0.66   |  |    |  | 0.87   |    |  |  | 1.05   |  |  |    | 1.13   |  |          |  | 1.19   |    |  |  | 1.23   |  |  |     | 1.30   |  |  |  | 1.35   |  |  |  | 1.36   |  |  |  | 1.38   |  |  |  | 24  | 
|10    |  |   | 0.18  |  |   |  | 0.22  |   |  |  | 0.27  |  |  |   | 0.35   |  |   |  | 0.50   |             |  |  | 0.66   |  |  |   | 0.87   |  |    |  | 1.05   |    |  |  | 1.13   |  |  |    | 1.19   |  |          |  | 1.23   |    |  |  | 1.30   |  |  |     | 1.35   |  |  |  | 1.36   |  |  |  | 1.32   |  |  |  | 1.34   |  |  |  | 25  | 
|11    |  |   | 0.20  |  |   |  | 0.25  |   |  |  | 0.34  |  |  |   | 0.50   |  |   |  | 0.66   |             |  |  | 0.87   |  |  |   | 1.05   |  |    |  | 1.13   |    |  |  | 1.19   |  |  |    | 1.23   |  |          |  | 1.30   |    |  |  | 1.35   |  |  |     | 1.36   |  |  |  | 1.30   |  |  |  | 1.27   |  |  |  | 1.29   |  |  |  | 26  | 
|12    |  |   | 0.23  |  |   |  | 0.32  |   |  |  | 0.50  |  |  |   | 0.66   |  |   |  | 0.87   |             |  |  | 1.05   |  |  |   | 1.13   |  |    |  | 1.19   |    |  |  | 1.23   |  |  |    | 1.30   |  |          |  | 1.35   |    |  |  | 1.36   |  |  |     | 1.30   |  |  |  | 1.25   |  |  |  | 1.20   |  |  |  | 1.24   |  |  |  | 27  | 
|13    |  |   | 0.30  |  |   |  | 0.46  |   |  |  | 0.63  |  |  |   | 0.87   |  |   |  | 1.05   |             |  |  | 1.12   |  |  |   | 1.19   |  |    |  | 1.22   |    |  |  | 1.24   |  |  |    | 1.28   |  |          |  | 1.31   |    |  |  | 1.30   |  |  |     | 1.25   |  |  |  | 1.20   |  |  |  | 1.16   |  |  |  | 1.20   |  |  |  | 28  | 
|14    |  |   | 0.44  |  |   |  | 0.59  |   |  |  | 0.87  |  |  |   | 1.05   |  |   |  | 1.12   |             |  |  | 1.17   |  |  |   | 1.22   |  |    |  | 1.23   |    |  |  | 1.23   |  |  |    | 1.24   |  |          |  | 1.26   |    |  |  | 1.25   |  |  |     | 1.19   |  |  |  | 1.16   |  |  |  | 1.13   |  |  |  | 1.17   |  |  |  | 29  | 
|15    |  |   | 0.58  |  |   |  | 0.87  |   |  |  | 1.05  |  |  |   | 1.12   |  |   |  | 1.17   |             |  |  | 1.21   |  |  |   | 1.23   |  |    |  | 1.22   |    |  |  | 1.20   |  |  |    | 1.20   |  |          |  | 1.19   |    |  |  | 1.18   |  |  |     | 1.13   |  |  |  | 1.12   |  |  |  | 1.11   |  |  |  | 1.14   |  |  |  | 30  | 
|16    |  |   | 0.87  |  |   |  | 1.05  |   |  |  | 1.12  |  |  |   | 1.17   |  |   |  | 1.21   |             |  |  | 1.20   |  |  |   | 1.21   |  |    |  | 1.19   |    |  |  | 1.16   |  |  |    | 1.14   |  |          |  | 1.12   |    |  |  | 1.12   |  |  |     | 1.09   |  |  |  | 1.09   |  |  |  | 1.09   |  |  |  | 1.12   |  |  |  | 31  | 
|17    |  |   | 1.05  |  |   |  | 1.12  |   |  |  | 1.17  |  |  |   | 1.21   |  |   |  | 1.20   |             |  |  | 1.18   |  |  |   | 1.18   |  |    |  | 1.15   |    |  |  | 1.11   |  |  |    | 1.07   |  |          |  | 1.05   |    |  |  | 1.06   |  |  |     | 1.05   |  |  |  | 1.06   |  |  |  | 1.08   |  |  |  | 1.11   |  |  |  | 32  | 
|18    |  |   | 1.03  |  |   |  | 1.10  |   |  |  | 1.13  |  |  |   | 1.15   |  |   |  | 1.14   |             |  |  | 1.11   |  |  |   | 1.11   |  |    |  | 1.07   |    |  |  | 1.04   |  |  |    | 1.01   |  |          |  | 1.00   |    |  |  | 1.02   |  |  |     | 1.01   |  |  |  | 1.03   |  |  |  | 1.07   |  |  |  | 1.12   |  |  |  | 33  | 
|19    |  |   | 1.00  |  |   |  | 1.05  |   |  |  | 1.06  |  |  |   | 1.07   |  |   |  | 1.05   |             |  |  | 1.04   |  |  |   | 1.02   |  |    |  | 0.98   |    |  |  | 0.96   |  |  |    | 0.95   |  |          |  | 0.97   |    |  |  | 0.97   |  |  |     | 0.98   |  |  |  | 1.01   |  |  |  | 1.07   |  |  |  | 1.14   |  |  |  | 34  | 
|20    |  |   | 0.93  |  |   |  | 0.97  |   |  |  | 0.97  |  |  |   | 0.97   |  |   |  | 0.97   |             |  |  | 0.95   |  |  |   | 0.93   |  |    |  | 0.90   |    |  |  | 0.90   |  |  |    | 0.91   |  |          |  | 0.93   |    |  |  | 0.94   |  |  |     | 0.96   |  |  |  | 1.01   |  |  |  | 1.08   |  |  |  | 1.17   |  |  |  | 35  | 
|21    |  |   | 0.84  |  |   |  | 0.87  |   |  |  | 0.87  |  |  |   | 0.87   |  |   |  | 0.87   |             |  |  | 0.86   |  |  |   | 0.85   |  |    |  | 0.83   |    |  |  | 0.85   |  |  |    | 0.86   |  |          |  | 0.90   |    |  |  | 0.92   |  |  |     | 0.96   |  |  |  | 1.02   |  |  |  | 1.11   |  |  |  | 1.22   |  |  |  | 36  | 
|22    |  |   | 0.73  |  |   |  | 0.76  |   |  |  | 0.76  |  |  |   | 0.76   |  |   |  | 0.77   |             |  |  | 0.77   |  |  |   | 0.77   |  |    |  | 0.77   |    |  |  | 0.80   |  |  |    | 0.83   |  |          |  | 0.88   |    |  |  | 0.91   |  |  |     | 0.96   |  |  |  | 1.04   |  |  |  | 1.15   |  |  |  | 1.28   |  |  |  | 37  | 
|23    |  |   | 0.73  |  |   |  | 0.76  |   |  |  | 0.75  |  |  |   | 0.75   |  |   |  | 0.75   |             |  |  | 0.76   |  |  |   | 0.77   |  |    |  | 0.77   |    |  |  | 0.80   |  |  |    | 0.84   |  |          |  | 0.90   |    |  |  | 0.94   |  |  |     | 1.00   |  |  |  | 1.10   |  |  |  | 1.21   |  |  |  | 1.36   |  |  |  | 38  | 
|24    |  |   | 0.73  |  |   |  | 0.74  |   |  |  | 0.73  |  |  |   | 0.73   |  |   |  | 0.74   |             |  |  | 0.76   |  |  |   | 0.77   |  |    |  | 0.78   |    |  |  | 0.82   |  |  |    | 0.87   |  |          |  | 0.93   |    |  |  | 0.97   |  |  |     | 1.05   |  |  |  | 1.17   |  |  |  | 1.29   |  |  |  | 1.45   |  |  |  | 39  | 
|25    |  |   | 0.72  |  |   |  | 0.72  |   |  |  | 0.72  |  |  |   | 0.72   |  |   |  | 0.74   |             |  |  | 0.76   |  |  |   | 0.77   |  |    |  | 0.79   |    |  |  | 0.84   |  |  |    | 0.90   |  |          |  | 0.96   |    |  |  | 1.03   |  |  |     | 1.12   |  |  |  | 1.25   |  |  |  | 1.38   |  |  |  | 1.56   |  |  |  | 40  | 
|26    |  |   | 0.70  |  |   |  | 0.70  |   |  |  | 0.71  |  |  |   | 0.72   |  |   |  | 0.73   |             |  |  | 0.76   |  |  |   | 0.78   |  |    |  | 0.82   |    |  |  | 0.88   |  |  |    | 0.95   |  |          |  | 1.02   |    |  |  | 1.09   |  |  |     | 1.20   |  |  |  | 1.35   |  |  |  | 1.49   |  |  |  | 1.70   |  |  |  | 41  | 
|27    |  |   | 0.68  |  |   |  | 0.68  |   |  |  | 0.70  |  |  |   | 0.71   |  |   |  | 0.73   |             |  |  | 0.77   |  |  |   | 0.81   |  |    |  | 0.86   |    |  |  | 0.92   |  |  |    | 1.01   |  |          |  | 1.08   |    |  |  | 1.17   |  |  |     | 1.30   |  |  |  | 1.47   |  |  |  | 1.63   |  |  |  | 1.87   |  |  |  | 42  | 
|28    |  |   | 0.66  |  |   |  | 0.68  |   |  |  | 0.71  |  |  |   | 0.73   |  |   |  | 0.76   |             |  |  | 0.81   |  |  |   | 0.86   |  |    |  | 0.92   |    |  |  | 1.00   |  |  |    | 1.08   |  |          |  | 1.17   |    |  |  | 1.28   |  |  |     | 1.42   |  |  |  | 1.61   |  |  |  | 1.81   |  |  |  | 2.07   |  |  |  | 43  | 
|29    |  |   | 0.65  |  |   |  | 0.68  |   |  |  | 0.73  |  |  |   | 0.76   |  |   |  | 0.81   |             |  |  | 0.86   |  |  |   | 0.92   |  |    |  | 1.00   |    |  |  | 1.08   |  |  |    | 1.17   |  |          |  | 1.28   |    |  |  | 1.42   |  |  |     | 1.58   |  |  |  | 1.81   |  |  |  | 2.03   |  |  |  | 2.31   |  |  |  | 44  | 
|30    |  |   | 0.64  |  |   |  | 0.68  |   |  |  | 0.76  |  |  |   | 0.81   |  |   |  | 0.86   |             |  |  | 0.92   |  |  |   | 1.00   |  |    |  | 1.08   |    |  |  | 1.17   |  |  |    | 1.28   |  |          |  | 1.42   |    |  |  | 1.58   |  |  |     | 1.81   |  |  |  | 2.03   |  |  |  | 2.26   |  |  |  | 2.58   |  |  |  | 45  | 
|31    |  |   | 0.63  |  |   |  | 0.69  |   |  |  | 0.79  |  |  |   | 0.86   |  |   |  | 0.92   |             |  |  | 1.00   |  |  |   | 1.08   |  |    |  | 1.17   |    |  |  | 1.28   |  |  |    | 1.42   |  |          |  | 1.58   |    |  |  | 1.81   |  |  |     | 2.03   |  |  |  | 2.26   |  |  |  | 2.53   |  |  |  | 2.89   |  |  |  | 46  | 
|32    |  |   | 0.63  |  |   |  | 0.71  |   |  |  | 0.84  |  |  |   | 0.92   |  |   |  | 1.00   |             |  |  | 1.08   |  |  |   | 1.17   |  |    |  | 1.28   |    |  |  | 1.40   |  |  |    | 1.58   |  |          |  | 1.81   |    |  |  | 2.03   |  |  |     | 2.26   |  |  |  | 2.53   |  |  |  | 2.83   |  |  |  | 3.24   |  |  |  | 47  | 
|33    |  |   | 0.63  |  |   |  | 0.72  |   |  |  | 0.88  |  |  |   | 0.98   |  |   |  | 1.08   |             |  |  | 1.17   |  |  |   | 1.28   |  |    |  | 1.40   |    |  |  | 1.58   |  |  |    | 1.78   |  |          |  | 2.01   |    |  |  | 2.25   |  |  |     | 2.53   |  |  |  | 2.83   |  |  |  | 3.17   |  |  |  | 3.61   |  |  |  | 48  | 
|34    |  |   | 0.63  |  |   |  | 0.73  |   |  |  | 0.93  |  |  |   | 1.05   |  |   |  | 1.17   |             |  |  | 1.28   |  |  |   | 1.40   |  |    |  | 1.58   |    |  |  | 1.78   |  |  |    | 2.01   |  |          |  | 2.24   |    |  |  | 2.53   |  |  |     | 2.81   |  |  |  | 3.16   |  |  |  | 3.54   |  |  |  | 4.02   |  |  |  | 49  | 
|35    |  |   | 0.63  |  |   |  | 0.76  |   |  |  | 0.99  |  |  |   | 1.14   |  |   |  | 1.28   |             |  |  | 1.40   |  |  |   | 1.58   |  |    |  | 1.78   |    |  |  | 2.01   |  |  |    | 2.24   |  |          |  | 2.53   |    |  |  | 2.80   |  |  |     | 3.13   |  |  |  | 3.52   |  |  |  | 3.94   |  |  |  | 4.45   |  |  |  | 50  | 
|36    |  |   | 0.65  |  |   |  | 0.79  |   |  |  | 1.06  |  |  |   | 1.25   |  |   |  | 1.40   |             |  |  | 1.58   |  |  |   | 1.78   |  |    |  | 2.01   |    |  |  | 2.24   |  |  |    | 2.53   |  |          |  | 2.80   |    |  |  | 3.10   |  |  |     | 3.48   |  |  |  | 3.91   |  |  |  | 4.36   |  |  |  | 4.92   |  |  |  | 51  | 
|37    |  |   | 0.67  |  |   |  | 0.84  |   |  |  | 1.15  |  |  |   | 1.37   |  |   |  | 1.58   |             |  |  | 1.78   |  |  |   | 2.01   |  |    |  | 2.24   |    |  |  | 2.53   |  |  |    | 2.80   |  |          |  | 3.08   |    |  |  | 3.43   |  |  |     | 3.86   |  |  |  | 4.32   |  |  |  | 4.82   |  |  |  | 5.44   |  |  |  | 52  | 
|38    |  |   | 0.70  |  |   |  | 0.89  |   |  |  | 1.23  |  |  |   | 1.47   |  |   |  | 1.70   |             |  |  | 1.91   |  |  |   | 2.16   |  |    |  | 2.41   |    |  |  | 2.72   |  |  |    | 3.04   |  |          |  | 3.35   |    |  |  | 3.76   |  |  |     | 4.25   |  |  |  | 4.78   |  |  |  | 5.33   |  |  |  | 6.00   |  |  |  | 53  | 
|39    |  |   | 0.74  |  |   |  | 0.95  |   |  |  | 1.33  |  |  |   | 1.59   |  |   |  | 1.83   |             |  |  | 2.07   |  |  |   | 2.33   |  |    |  | 2.60   |    |  |  | 2.93   |  |  |    | 3.27   |  |          |  | 3.64   |    |  |  | 4.10   |  |  |     | 4.67   |  |  |  | 5.28   |  |  |  | 5.88   |  |  |  | 6.61   |  |  |  | 54  | 
|40    |  |   | 0.79  |  |   |  | 1.02  |   |  |  | 1.45  |  |  |   | 1.73   |  |   |  | 2.00   |             |  |  | 2.23   |  |  |   | 2.51   |  |    |  | 2.79   |    |  |  | 3.13   |  |  |    | 3.51   |  |          |  | 3.94   |    |  |  | 4.47   |  |  |     | 5.13   |  |  |  | 5.82   |  |  |  | 6.48   |  |  |  | 7.27   |  |  |  | 55  | 
|41    |  |   | 0.85  |  |   |  | 1.11  |   |  |  | 1.59  |  |  |   | 1.90   |  |   |  | 2.17   |             |  |  | 2.42   |  |  |   | 2.70   |  |    |  | 2.98   |    |  |  | 3.33   |  |  |    | 3.75   |  |          |  | 4.24   |    |  |  | 4.86   |  |  |     | 5.62   |  |  |  | 6.41   |  |  |  | 7.12   |  |  |  | 8.01   |  |  |  | 56  | 
|42    |  |   | 0.92  |  |   |  | 1.22  |   |  |  | 1.76  |  |  |   | 2.09   |  |   |  | 2.37   |             |  |  | 2.62   |  |  |   | 2.89   |  |    |  | 3.18   |    |  |  | 3.52   |  |  |    | 3.99   |  |          |  | 4.57   |    |  |  | 5.28   |  |  |     | 6.15   |  |  |  | 7.05   |  |  |  | 7.85   |  |  |  | 8.82   |  |  |  | 57  | 
|43    |  |   | 0.99  |  |   |  | 1.37  |   |  |  | 1.92  |  |  |   | 2.30   |  |   |  | 2.61   |             |  |  | 2.88   |  |  |   | 3.18   |  |    |  | 3.47   |    |  |  | 3.83   |  |  |    | 4.33   |  |          |  | 4.96   |    |  |  | 5.71   |  |  |     | 6.63   |  |  |  | 7.61   |  |  |  | 8.50   |  |  |  | 9.73   |  |  |  | 58  | 
|44    |  |   | 1.08  |  |   |  | 1.53  |   |  |  | 2.11  |  |  |   | 2.52   |  |   |  | 2.86   |             |  |  | 3.17   |  |  |   | 3.47   |  |    |  | 3.79   |    |  |  | 4.17   |  |  |    | 4.70   |  |          |  | 5.37   |    |  |  | 6.16   |  |  |     | 7.16   |  |  |  | 8.20   |  |  |  | 9.22   |  |  |  | 10.75  |  |  |  | 59  | 
|45    |  |   | 1.17  |  |   |  | 1.72  |   |  |  | 2.31  |  |  |   | 2.75   |  |   |  | 3.13   |             |  |  | 3.47   |  |  |   | 3.79   |  |    |  | 4.14   |    |  |  | 4.56   |  |  |    | 5.08   |  |          |  | 5.80   |    |  |  | 6.66   |  |  |     | 7.73   |  |  |  | 8.85   |  |  |  | 10.02  |  |  |  | 11.89  |  |  |  | 60  | 
|46    |  |   | 1.28  |  |   |  | 1.94  |   |  |  | 2.51  |  |  |   | 3.00   |  |   |  | 3.40   |             |  |  | 3.78   |  |  |   | 4.14   |  |    |  | 4.56   |    |  |  | 4.91   |  |  |    | 5.48   |  |          |  | 6.28   |    |  |  | 7.19   |  |  |     | 8.35   |  |  |  | 9.56   |  |  |  | 10.89  |  |  |  | 13.17  |  |  |  | 61  | 
|47    |  |   | 1.39  |  |   |  | 2.17  |   |  |  | 2.73  |  |  |   | 3.25   |  |   |  | 3.69   |             |  |  | 4.13   |  |  |   | 4.56   |  |    |  | 4.89   |    |  |  | 5.31   |  |  |    | 5.93   |  |          |  | 6.79   |    |  |  | 7.78   |  |  |     | 9.03   |  |  |  | 10.34  |  |  |  | 11.85  |  |  |  | 14.57  |  |  |  | 62  | 
|48    |  |   | 1.49  |  |   |  | 2.27  |   |  |  | 2.84  |  |  |   | 3.40   |  |   |  | 3.90   |             |  |  | 4.38   |  |  |   | 4.87   |  |    |  | 5.28   |    |  |  | 5.80   |  |  |    | 6.49   |  |          |  | 7.53   |    |  |  | 8.64   |  |  |     | 9.94   |  |  |  | 11.30  |  |  |  | 12.79  |  |  |  | 16.07  |  |  |  | 63  | 
|49    |  |   | 1.60  |  |   |  | 2.35  |   |  |  | 2.95  |  |  |   | 3.54   |  |   |  | 4.09   |             |  |  | 4.62   |  |  |   | 5.18   |  |    |  | 5.70   |    |  |  | 6.33   |  |  |    | 7.12   |  |          |  | 8.36   |    |  |  | 9.60   |  |  |     | 10.96  |  |  |  | 12.32  |  |  |  | 13.75  |  |  |  | 17.71  |  |  |  | 64  | 
|50    |  |   | 1.70  |  |   |  | 2.42  |   |  |  | 3.04  |  |  |   | 3.66   |  |   |  | 4.29   |             |  |  | 4.87   |  |  |   | 5.51   |  |    |  | 6.15   |    |  |  | 6.93   |  |  |    | 7.83   |  |          |  | 9.30   |    |  |  | 10.69  |  |  |     | 12.06  |  |  |  | 13.40  |  |  |  | 14.77  |  |  |  | 19.50  |  |  |  | 65  | 
|51    |  |   | 1.80  |  |   |  | 2.48  |   |  |  | 3.12  |  |  |   | 3.77   |  |   |  | 4.47   |             |  |  | 5.12   |  |  |   | 5.86   |  |    |  | 6.65   |    |  |  | 7.59   |  |  |    | 8.61   |  |          |  | 10.35  |    |  |  | 11.89  |  |  |     | 13.24  |  |  |  | 14.56  |  |  |  | 15.83  |  |  |  | 21.47  |  |  |  | 66  | 
|52    |  |   | 1.90  |  |   |  | 2.52  |   |  |  | 3.17  |  |  |   | 3.85   |  |   |  | 4.65   |             |  |  | 5.38   |  |  |   | 6.23   |  |    |  | 7.20   |    |  |  | 8.32   |  |  |    | 9.48   |  |          |  | 11.51  |    |  |  | 13.18  |  |  |     | 14.52  |  |  |  | 15.80  |  |  |  | 16.96  |  |  |  | 23.65  |  |  |  | 67  | 
|53    |  |   | 2.06  |  |   |  | 2.75  |   |  |  | 3.46  |  |  |   | 4.23   |  |   |  | 5.08   |             |  |  | 5.90   |  |  |   | 6.84   |  |    |  | 7.89   |    |  |  | 9.11   |  |  |    | 10.43  |  |          |  | 12.63  |    |  |  | 14.52  |  |  |     | 15.80  |  |  |  | 16.96  |  |  |  | 19.16  |  |  |  | 26.05  |  |  |  | 68  | 
|54    |  |   | 2.23  |  |   |  | 2.99  |   |  |  | 3.78  |  |  |   | 4.64   |  |   |  | 5.57   |             |  |  | 6.47   |  |  |   | 7.52   |  |    |  | 8.66   |    |  |  | 9.96   |  |  |    | 11.44  |  |          |  | 13.85  |    |  |  | 15.80  |  |  |     | 16.96  |  |  |  | 19.16  |  |  |  | 21.62  |  |  |  | 28.69  |  |  |  | 69  | 
|55    |  |   | 2.41  |  |   |  | 3.27  |   |  |  | 4.12  |  |  |   | 5.10   |  |   |  | 6.11   |             |  |  | 7.11   |  |  |   | 8.27   |  |    |  | 9.50   |    |  |  | 10.86  |  |  |    | 12.54  |  |          |  | 15.17  |    |  |  | 16.96  |  |  |     | 19.16  |  |  |  | 21.62  |  |  |  | 24.39  |  |  |  | 31.57  |  |  |  | 70  | 
|56    |  |   | 2.61  |  |   |  | 3.56  |   |  |  | 4.51  |  |  |   | 5.61   |  |   |  | 6.71   |             |  |  | 7.83   |  |  |   | 9.09   |  |    |  | 10.38  |    |  |  | 11.83  |  |  |    | 13.73  |  |          |  | 16.62  |    |  |  | 19.16  |  |  |     | 21.62  |  |  |  | 24.39  |  |  |  | 27.47  |  |  |  | 34.68  |  |  |  | 71  | 
|57    |  |   | 2.82  |  |   |  | 3.89  |   |  |  | 4.94  |  |  |   | 6.18   |  |   |  | 7.38   |             |  |  | 8.60   |  |  |   | 9.96   |  |    |  | 11.33  |    |  |  | 12.87  |  |  |    | 15.03  |  |          |  | 18.21  |    |  |  | 21.36  |  |  |     | 24.39  |  |  |  | 27.15  |  |  |  | 30.87  |  |  |  | 38.00  |  |  |  | 72  | 
|58    |  |   | 2.96  |  |   |  | 4.13  |   |  |  | 5.44  |  |  |   | 6.74   |  |   |  | 8.10   |             |  |  | 9.20   |  |  |   | 10.59  |  |    |  | 12.05  |    |  |  | 13.66  |  |  |    | 15.94  |  |          |  | 19.22  |    |  |  | 22.43  |  |  |     | 25.64  |  |  |  | 28.58  |  |  |  | 32.76  |  |  |  | 41.60  |  |  |  | 73  | 
|59    |  |   | 3.10  |  |   |  | 4.37  |   |  |  | 6.00  |  |  |   | 7.34   |  |   |  | 8.87   |             |  |  | 9.82   |  |  |   | 11.23  |  |    |  | 12.79  |    |  |  | 14.47  |  |  |    | 16.88  |  |          |  | 20.25  |    |  |  | 23.49  |  |  |     | 26.85  |  |  |  | 29.94  |  |  |  | 34.70  |  |  |  | 45.54  |  |  |  | 74  | 
|60    |  |   | 3.23  |  |   |  | 4.63  |   |  |  | 6.61  |  |  |   | 7.97   |  |   |  | 9.71   |             |  |  | 10.46  |  |  |   | 11.89  |  |    |  | 13.57  |    |  |  | 15.32  |  |  |    | 17.85  |  |          |  | 21.28  |    |  |  | 24.48  |  |  |     | 27.97  |  |  |  | 31.28  |  |  |  | 36.71  |  |  |  | 49.90  |  |  |  | 75  | 
|61    |  |   | 3.37  |  |   |  | 4.89  |   |  |  | 7.26  |  |  |   | 8.64   |  |   |  | 10.46  |             |  |  | 11.59  |  |  |   | 12.58  |  |    |  | 14.38  |    |  |  | 16.18  |  |  |    | 18.82  |  |          |  | 22.26  |    |  |  | 25.39  |  |  |     | 29.04  |  |  |  | 32.61  |  |  |  | 38.82  |  |  |  | 54.71  |  |  |  | 76  | 
|62    |  |   | 3.50  |  |   |  | 5.14  |   |  |  | 7.97  |  |  |   | 9.36   |  |   |  | 11.59  |             |  |  | 11.83  |  |  |   | 13.29  |  |    |  | 15.21  |    |  |  | 17.05  |  |  |    | 19.77  |  |          |  | 23.18  |    |  |  | 26.21  |  |  |     | 30.06  |  |  |  | 33.93  |  |  |  | 41.03  |  |  |  | 60.03  |  |  |  | 77  | 
|63    |  |   | 3.89  |  |   |  | 5.77  |   |  |  | 8.74  |  |  |   | 10.48  |  |   |  | 11.83  |             |  |  | 13.29  |  |  |   | 15.21  |  |    |  | 17.05  |    |  |  | 20.11  |  |  |    | 22.42  |  |          |  | 25.79  |    |  |  | 28.87  |  |  |     | 33.14  |  |  |  | 37.75  |  |  |  | 44.66  |  |  |  | 65.85  |  |  |  | 78  | 
|64    |  |   | 4.32  |  |   |  | 6.47  |   |  |  | 9.57  |  |  |   | 11.73  |  |   |  | 13.29  |             |  |  | 15.21  |  |  |   | 17.05  |  |    |  | 20.11  |    |  |  | 22.42  |  |  |    | 25.79  |  |          |  | 28.69  |    |  |  | 32.93  |  |  |     | 36.55  |  |  |  | 42.02  |  |  |  | 48.60  |  |  |  | 72.18  |  |  |  | 79  | 
|65    |  |   | 4.80  |  |   |  | 7.26  |   |  |  | 10.50 |  |  |   | 13.13  |  |   |  | 15.21  |             |  |  | 17.05  |  |  |   | 20.11  |  |    |  | 22.42  |    |  |  | 25.79  |  |  |    | 28.69  |  |          |  | 32.93  |    |  |  | 35.12  |  |  |     | 40.34  |  |  |  | 46.75  |  |  |  | 52.83  |  |  |  | 79.02  |  |  |  | 80  | 
|66    |  |   | 5.32  |  |   |  | 8.14  |   |  |  | 11.51 |  |  |   | 14.69  |  |   |  | 17.05  |             |  |  | 20.11  |  |  |   | 22.42  |  |    |  | 25.79  |    |  |  | 28.69  |  |  |    | 32.93  |  |          |  | 34.69  |    |  |  | 38.78  |  |  |     | 44.51  |  |  |  | 51.97  |  |  |  | 57.68  |  |  |  | 86.36  |  |  |  | 81  | 
|67    |  |   | 5.91  |  |   |  | 9.12  |   |  |  | 12.62 |  |  |   | 16.42  |  |   |  | 20.11  |             |  |  | 22.42  |  |  |   | 25.79  |  |    |  | 28.69  |    |  |  | 32.93  |  |  |    | 34.47  |  |          |  | 38.42  |    |  |  | 42.80  |  |  |     | 49.08  |  |  |  | 57.68  |  |  |  | 62.18  |  |  |  | 94.12  |  |  |  | 82  | 
|68    |  |   | 6.51  |  |   |  | 10.04 |   |  |  | 13.89 |  |  |   | 18.04  |  |   |  | 22.04  |             |  |  | 24.54  |  |  |   | 28.23  |  |    |  | 31.44  |    |  |  | 34.47  |  |  |    | 37.82  |  |          |  | 42.14  |    |  |  | 46.91  |  |  |     | 53.73  |  |  |  | 62.18  |  |  |  | 67.77  |  |  |  | 102.35 |  |  |  | 83  | 
|69    |  |   | 7.17  |  |   |  | 11.05 |   |  |  | 15.25 |  |  |   | 19.76  |  |   |  | 24.12  |             |  |  | 26.87  |  |  |   | 30.94  |  |    |  | 34.47  |    |  |  | 37.82  |  |  |    | 41.49  |  |          |  | 46.20  |    |  |  | 51.36  |  |  |     | 58.72  |  |  |  | 67.77  |  |  |  | 73.69  |  |  |  | 111.41 |  |  |  | 84  | 
|70    |  |   | 7.89  |  |   |  | 12.14 |   |  |  | 16.72 |  |  |   | 21.64  |  |   |  | 26.41  |             |  |  | 29.44  |  |  |   | 33.92  |  |    |  | 37.82  |    |  |  | 41.49  |  |  |    | 45.48  |  |          |  | 50.57  |    |  |  | 56.13  |  |  |     | 64.00  |  |  |  | 73.69  |  |  |  | 80.22  |  |  |  | 121.31 |  |  |  | 85  | 
|71    |  |   | 8.67  |  |   |  | 13.30 |   |  |  | 18.30 |  |  |   | 23.69  |  |   |  | 28.94  |             |  |  | 32.28  |  |  |   | 37.22  |  |    |  | 41.49  |    |  |  | 45.48  |  |  |    | 49.79  |  |          |  | 55.27  |    |  |  | 61.17  |  |  |     | 69.60  |  |  |  | 80.21  |  |  |  | 87.35  |  |  |  | 132.05 |  |  |  | 86  | 
|72    |  |   | 9.50  |  |   |  | 14.56 |   |  |  | 20.04 |  |  |   | 25.96  |  |   |  | 31.73  |             |  |  | 35.42  |  |  |   | 40.83  |  |    |  | 45.47  |    |  |  | 49.79  |  |  |    | 54.41  |  |          |  | 60.23  |    |  |  | 66.52  |  |  |     | 75.76  |  |  |  | 87.34  |  |  |  | 95.08  |  |  |  | 143.63 |  |  |  | 87  | 
|73    |  |   | 10.40 |  |   |  | 15.94 |   |  |  | 21.96 |  |  |   | 28.46  |  |   |  | 34.81  |             |  |  | 38.85  |  |  |   | 44.75  |  |    |  | 49.78  |    |  |  | 54.41  |  |  |    | 59.30  |  |          |  | 65.50  |    |  |  | 72.41  |  |  |     | 82.49  |  |  |  | 95.07  |  |  |  | 103.42 |  |  |  | 156.05 |  |  |  | 88  | 
|74    |  |   | 11.38 |  |   |  | 17.47 |   |  |  | 24.07 |  |  |   | 31.23  |  |   |  | 38.19  |             |  |  | 42.58  |  |  |   | 48.99  |  |    |  | 54.41  |    |  |  | 59.30  |  |  |    | 64.49  |  |          |  | 71.30  |    |  |  | 78.85  |  |  |     | 89.79  |  |  |  | 103.41 |  |  |  | 112.36 |  |  |  | 169.12 |  |  |  | 89  | 
|75    |  |   | 12.47 |  |   |  | 19.15 |   |  |  | 26.41 |  |  |   | 34.25  |  |   |  | 41.86  |             |  |  | 46.62  |  |  |   | 53.54  |  |    |  | 59.30  |    |  |  | 64.49  |  |  |    | 70.20  |  |          |  | 77.63  |    |  |  | 85.83  |  |  |     | 97.67  |  |  |  | 112.35 |  |  |  | 121.77 |  |  |  | 182.61 |  |  |  | 90  | 
|76    |  |   | 13.67 |  |   |  | 21.01 |   |  |  | 28.97 |  |  |   | 37.55  |  |   |  | 45.83  |             |  |  | 50.95  |  |  |   | 58.35  |  |    |  | 64.48  |    |  |  | 70.20  |  |  |    | 76.44  |  |          |  | 84.51  |    |  |  | 93.35  |  |  |     | 106.11 |  |  |  | 121.76 |  |  |  | 131.49 |  |  |  | 196.52 |  |  |  | 91  | 
|77    |  |   | 15.00 |  |   |  | 23.05 |   |  |  | 31.76 |  |  |   | 41.11  |  |   |  | 50.08  |             |  |  | 55.53  |  |  |   | 63.46  |  |    |  | 70.19  |    |  |  | 76.43  |  |  |    | 83.20  |  |          |  | 91.92  |    |  |  | 101.43 |  |  |     | 115.00 |  |  |  | 131.48 |  |  |  | 141.50 |  |  |  | 210.85 |  |  |  | 92  | 
|78    |  |   | 16.46 |  |   |  | 25.27 |   |  |  | 34.77 |  |  |   | 44.92  |  |   |  | 54.58  |             |  |  | 60.38  |  |  |   | 69.07  |  |    |  | 76.43  |    |  |  | 83.20  |  |  |    | 90.50  |  |          |  | 99.87  |    |  |  | 109.92 |  |  |     | 124.17 |  |  |  | 141.49 |  |  |  | 151.82 |  |  |  | 225.60 |  |  |  | 93  | 
|79    |  |   | 18.04 |  |   |  | 27.66 |   |  |  | 38.00 |  |  |   | 48.96  |  |   |  | 59.36  |             |  |  | 65.73  |  |  |   | 75.21  |  |    |  | 83.19  |    |  |  | 90.50  |  |  |    | 98.33  |  |          |  | 108.23 |    |  |  | 118.69 |  |  |     | 133.63 |  |  |  | 151.81 |  |  |  | 162.44 |  |  |  | 240.77 |  |  |  | 94  | 
|80    |  |   | 19.75 |  |   |  | 30.23 |   |  |  | 41.41 |  |  |   | 53.24  |  |   |  | 64.61  |             |  |  | 71.57  |  |  |   | 81.87  |  |    |  | 90.49  |    |  |  | 98.32  |  |  |    | 106.56 |  |          |  | 116.86 |    |  |  | 127.73 |  |  |     | 143.37 |  |  |  | 162.43 |  |  |  | 173.36 |  |  |  | 256.36 |  |  |  | 95  | 
|81    |  |   | 21.58 |  |   |  | 32.95 |   |  |  | 45.03 |  |  |   | 57.95  |  |   |  | 70.35  |             |  |  | 77.91  |  |  |   | 89.05  |  |    |  | 98.31  |    |  |  | 106.56 |  |  |    | 115.06 |  |          |  | 125.77 |    |  |  | 137.04 |  |  |     | 153.40 |  |  |  | 173.35 |  |  |  | 184.59 |  |  |  | 272.37 |  |  |  | 96  | 
|82    |  |   | 23.52 |  |   |  | 35.83 |   |  |  | 49.02 |  |  |   | 63.10  |  |   |  | 76.58  |             |  |  | 84.74  |  |  |   | 96.75  |  |    |  | 106.55 |    |  |  | 115.06 |  |  |    | 123.83 |  |          |  | 134.94 |    |  |  | 146.63 |  |  |     | 163.72 |  |  |  | 184.57 |  |  |  | 196.12 |  |  |  | 288.80 |  |  |  | 97  | 
|83    |  |   | 25.58 |  |   |  | 39.00 |   |  |  | 53.38 |  |  |   | 68.69  |  |   |  | 83.30  |             |  |  | 92.07  |  |  |   | 104.85 |  |    |  | 115.05 |    |  |  | 123.82 |  |  |    | 132.85 |  |          |  | 144.38 |    |  |  | 156.49 |  |  |     | 174.32 |  |  |  | 196.10 |  |  |  | 207.95 |  |  |  | 305.65 |  |  |  | 98  | 
|84    |  |   | 27.84 |  |   |  | 42.47 |   |  |  | 58.10 |  |  |   | 74.72  |  |   |  | 90.50  |             |  |  | 99.78  |  |  |   | 113.22 |  |    |  | 123.81 |    |  |  | 132.85 |  |  |    | 142.15 |  |          |  | 154.08 |    |  |  | 166.62 |  |  |     | 185.21 |  |  |  | 207.93 |  |  |  | 220.08 |  |  |  | 322.92 |  |  |  | 99  | 
|85    |  |   | 30.32 |  |   |  | 46.23 |   |  |  | 63.20 |  |  |   | 81.18  |  |   |  | 98.08  |             |  |  | 107.74 |  |  |   | 121.84 |  |    |  | 132.84 |    |  |  | 142.14 |  |  |    | 151.71 |  |          |  | 164.06 |    |  |  | 177.03 |  |  |     | 196.38 |  |  |  | 220.06 |  |  |  | 232.52 |  |  |  | 340.61 |  |  |  | 100 | 
|86    |  |   | 33.00 |  |   |  | 50.28 |   |  |  | 68.66 |  |  |   | 87.97  |  |   |  | 105.90 |             |  |  | 115.94 |  |  |   | 130.73 |  |    |  | 142.13 |    |  |  | 151.70 |  |  |    | 161.53 |  |          |  | 174.31 |    |  |  | 187.71 |  |  |     | 207.84 |  |  |  | 232.50 |  |  |  | 242.25 |  |  |  |        |  |  |  |     | 
|87    |  |   | 35.90 |  |   |  | 54.63 |   |  |  | 74.41 |  |  |   | 94.99  |  |   |  | 113.97 |             |  |  | 124.40 |  |  |   | 139.87 |  |    |  | 151.69 |    |  |  | 161.52 |  |  |    | 171.62 |  |          |  | 184.82 |    |  |  | 198.66 |  |  |     | 219.58 |  |  |  | 245.23 |  |  |  |        |  |  |  |        |  |  |  |     | 
|88    |  |   | 39.00 |  |   |  | 59.20 |   |  |  | 80.35 |  |  |   | 102.23 |  |   |  | 122.28 |             |  |  | 133.10 |  |  |   | 149.28 |  |    |  | 161.51 |    |  |  | 171.61 |  |  |    | 181.97 |  |          |  | 195.61 |    |  |  | 209.88 |  |  |     | 231.61 |  |  |  |        |  |  |  |        |  |  |  |        |  |  |  |     | 
|89    |  |   | 42.27 |  |   |  | 63.92 |   |  |  | 86.47 |  |  |   | 109.68 |  |   |  | 130.83 |             |  |  | 142.05 |  |  |   | 158.94 |  |    |  | 171.60 |    |  |  | 181.96 |  |  |    | 192.59 |  |          |  | 206.66 |    |  |  | 221.38 |  |  |     |        |  |  |  |        |  |  |  |        |  |  |  |        |  |  |  |     | 
|90    |  |   | 45.64 |  |   |  | 68.79 |   |  |  | 92.77 |  |  |   | 117.36 |  |   |  | 139.63 |             |  |  | 151.25 |  |  |   | 168.87 |  |    |  | 181.95 |    |  |  | 192.58 |  |  |    | 203.47 |  |          |  | 217.98 |    |  |  |        |  |  |     |        |  |  |  |        |  |  |  |        |  |  |  |        |  |  |  |     | 



---

Exhibit III

YRT Premium Rates

Allianz

Female 75-86 ANB, S&U



|      |  |       |  |       |  |       |  |       |  |       |  |       |  |             |  |        |  |        |  |        |  |        |  |        |  |        |  |          |  |        |  |        |  |    
|----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----- |  | ----------- |  | ------ |  | ------ |  | ------ |  | ------ |  | ------ |  | ------ |  | -------- |  | ------ |  | ------ |  | ---
|Issue |  |       |  |       |  |       |  |       |  |       |  |       |  | Policy year |  |        |  |        |  |        |  |        |  |        |  |        |  | Ultimate
|Age   |  | 1     |  | 2     |  | 3     |  | 4     |  | 5     |  | 6     |  | 7           |  | 8      |  | 9      |  | 10     |  | 11     |  | 12     |  | 13     |  | 14       |  | 15     |  | Rate   |  | Age
|0     |  | 0.93  |  | 0.34  |  | 0.30  |  | 0.27  |  | 0.24  |  | 0.22  |  | 0.20        |  | 0.18   |  | 0.18   |  | 0.18   |  | 0.19   |  | 0.21   |  | 0.24   |  | 0.27     |  | 0.32   |  | 0.36   |  | 15 
|1     |  | 0.34  |  | 0.30  |  | 0.27  |  | 0.24  |  | 0.22  |  | 0.20  |  | 0.18        |  | 0.18   |  | 0.18   |  | 0.19   |  | 0.21   |  | 0.24   |  | 0.27   |  | 0.32     |  | 0.36   |  | 0.40   |  | 16 
|2     |  | 0.28  |  | 0.27  |  | 0.24  |  | 0.22  |  | 0.20  |  | 0.18  |  | 0.18        |  | 0.18   |  | 0.19   |  | 0.21   |  | 0.24   |  | 0.27   |  | 0.32   |  | 0.36     |  | 0.40   |  | 0.44   |  | 17 
|3     |  | 0.24  |  | 0.24  |  | 0.22  |  | 0.20  |  | 0.18  |  | 0.18  |  | 0.18        |  | 0.19   |  | 0.21   |  | 0.24   |  | 0.27   |  | 0.32   |  | 0.36   |  | 0.40     |  | 0.44   |  | 0.47   |  | 18 
|4     |  | 0.22  |  | 0.22  |  | 0.20  |  | 0.18  |  | 0.18  |  | 0.18  |  | 0.19        |  | 0.21   |  | 0.24   |  | 0.27   |  | 0.32   |  | 0.36   |  | 0.40   |  | 0.44     |  | 0.47   |  | 0.49   |  | 19 
|5     |  | 0.20  |  | 0.20  |  | 0.18  |  | 0.18  |  | 0.18  |  | 0.19  |  | 0.21        |  | 0.24   |  | 0.27   |  | 0.32   |  | 0.36   |  | 0.40   |  | 0.44   |  | 0.47     |  | 0.49   |  | 0.51   |  | 20 
|6     |  | 0.19  |  | 0.18  |  | 0.18  |  | 0.18  |  | 0.19  |  | 0.21  |  | 0.24        |  | 0.27   |  | 0.32   |  | 0.36   |  | 0.40   |  | 0.44   |  | 0.47   |  | 0.49     |  | 0.51   |  | 0.52   |  | 21 
|7     |  | 0.17  |  | 0.18  |  | 0.18  |  | 0.19  |  | 0.21  |  | 0.24  |  | 0.27        |  | 0.32   |  | 0.36   |  | 0.40   |  | 0.44   |  | 0.47   |  | 0.49   |  | 0.51     |  | 0.52   |  | 0.53   |  | 22 
|8     |  | 0.16  |  | 0.18  |  | 0.19  |  | 0.21  |  | 0.24  |  | 0.27  |  | 0.32        |  | 0.36   |  | 0.40   |  | 0.44   |  | 0.47   |  | 0.49   |  | 0.51   |  | 0.52     |  | 0.53   |  | 0.53   |  | 23 
|9     |  | 0.16  |  | 0.19  |  | 0.21  |  | 0.24  |  | 0.27  |  | 0.32  |  | 0.36        |  | 0.40   |  | 0.44   |  | 0.47   |  | 0.49   |  | 0.51   |  | 0.52   |  | 0.53     |  | 0.53   |  | 0.53   |  | 24 
|10    |  | 0.16  |  | 0.21  |  | 0.24  |  | 0.27  |  | 0.32  |  | 0.36  |  | 0.40        |  | 0.44   |  | 0.47   |  | 0.49   |  | 0.51   |  | 0.52   |  | 0.53   |  | 0.53     |  | 0.53   |  | 0.53   |  | 25 
|11    |  | 0.17  |  | 0.24  |  | 0.27  |  | 0.32  |  | 0.36  |  | 0.40  |  | 0.44        |  | 0.47   |  | 0.49   |  | 0.51   |  | 0.52   |  | 0.53   |  | 0.53   |  | 0.53     |  | 0.53   |  | 0.53   |  | 26 
|12    |  | 0.18  |  | 0.27  |  | 0.32  |  | 0.36  |  | 0.40  |  | 0.44  |  | 0.47        |  | 0.49   |  | 0.51   |  | 0.52   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53     |  | 0.53   |  | 0.53   |  | 27 
|13    |  | 0.21  |  | 0.31  |  | 0.35  |  | 0.38  |  | 0.42  |  | 0.45  |  | 0.47        |  | 0.49   |  | 0.52   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53     |  | 0.53   |  | 0.53   |  | 28 
|14    |  | 0.25  |  | 0.33  |  | 0.37  |  | 0.40  |  | 0.43  |  | 0.45  |  | 0.47        |  | 0.48   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53     |  | 0.53   |  | 0.54   |  | 29 
|15    |  | 0.28  |  | 0.35  |  | 0.39  |  | 0.41  |  | 0.43  |  | 0.45  |  | 0.46        |  | 0.48   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53     |  | 0.54   |  | 0.55   |  | 30 
|16    |  | 0.32  |  | 0.37  |  | 0.39  |  | 0.41  |  | 0.42  |  | 0.43  |  | 0.45        |  | 0.46   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.54     |  | 0.55   |  | 0.58   |  | 31 
|17    |  | 0.36  |  | 0.37  |  | 0.39  |  | 0.40  |  | 0.41  |  | 0.42  |  | 0.43        |  | 0.44   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.53   |  | 0.54   |  | 0.55     |  | 0.58   |  | 0.61   |  | 32 
|18    |  | 0.36  |  | 0.37  |  | 0.39  |  | 0.40  |  | 0.41  |  | 0.42  |  | 0.43        |  | 0.44   |  | 0.51   |  | 0.52   |  | 0.53   |  | 0.54   |  | 0.55   |  | 0.58     |  | 0.61   |  | 0.65   |  | 33 
|19    |  | 0.36  |  | 0.37  |  | 0.39  |  | 0.40  |  | 0.41  |  | 0.42  |  | 0.43        |  | 0.44   |  | 0.50   |  | 0.50   |  | 0.54   |  | 0.55   |  | 0.58   |  | 0.61     |  | 0.65   |  | 0.70   |  | 34 
|20    |  | 0.35  |  | 0.36  |  | 0.38  |  | 0.39  |  | 0.41  |  | 0.41  |  | 0.43        |  | 0.44   |  | 0.48   |  | 0.50   |  | 0.55   |  | 0.58   |  | 0.61   |  | 0.65     |  | 0.70   |  | 0.77   |  | 35 
|21    |  | 0.34  |  | 0.36  |  | 0.37  |  | 0.39  |  | 0.40  |  | 0.41  |  | 0.43        |  | 0.44   |  | 0.47   |  | 0.49   |  | 0.58   |  | 0.61   |  | 0.65   |  | 0.70     |  | 0.77   |  | 0.84   |  | 36 
|22    |  | 0.32  |  | 0.34  |  | 0.36  |  | 0.38  |  | 0.40  |  | 0.41  |  | 0.43        |  | 0.45   |  | 0.46   |  | 0.50   |  | 0.61   |  | 0.65   |  | 0.70   |  | 0.77     |  | 0.84   |  | 0.93   |  | 37 
|23    |  | 0.32  |  | 0.34  |  | 0.37  |  | 0.39  |  | 0.41  |  | 0.42  |  | 0.45        |  | 0.46   |  | 0.50   |  | 0.55   |  | 0.65   |  | 0.70   |  | 0.77   |  | 0.84     |  | 0.93   |  | 1.03   |  | 38 
|24    |  | 0.31  |  | 0.34  |  | 0.38  |  | 0.40  |  | 0.42  |  | 0.45  |  | 0.46        |  | 0.50   |  | 0.55   |  | 0.59   |  | 0.70   |  | 0.77   |  | 0.84   |  | 0.93     |  | 1.03   |  | 1.15   |  | 39 
|25    |  | 0.31  |  | 0.35  |  | 0.39  |  | 0.41  |  | 0.44  |  | 0.46  |  | 0.50        |  | 0.55   |  | 0.59   |  | 0.63   |  | 0.77   |  | 0.84   |  | 0.93   |  | 1.03     |  | 1.15   |  | 1.29   |  | 40 
|26    |  | 0.30  |  | 0.35  |  | 0.39  |  | 0.43  |  | 0.46  |  | 0.50  |  | 0.55        |  | 0.59   |  | 0.63   |  | 0.69   |  | 0.84   |  | 0.93   |  | 1.03   |  | 1.15     |  | 1.29   |  | 1.45   |  | 41 
|27    |  | 0.30  |  | 0.35  |  | 0.41  |  | 0.45  |  | 0.50  |  | 0.55  |  | 0.59        |  | 0.63   |  | 0.66   |  | 0.76   |  | 0.93   |  | 1.03   |  | 1.15   |  | 1.29     |  | 1.45   |  | 1.62   |  | 42 
|28    |  | 0.31  |  | 0.36  |  | 0.42  |  | 0.48  |  | 0.53  |  | 0.59  |  | 0.63        |  | 0.66   |  | 0.76   |  | 0.86   |  | 1.03   |  | 1.15   |  | 1.29   |  | 1.45     |  | 1.62   |  | 1.79   |  | 43 
|29    |  | 0.32  |  | 0.37  |  | 0.44  |  | 0.51  |  | 0.57  |  | 0.63  |  | 0.66        |  | 0.76   |  | 0.86   |  | 0.97   |  | 1.15   |  | 1.29   |  | 1.45   |  | 1.62     |  | 1.79   |  | 1.96   |  | 44 
|30    |  | 0.33  |  | 0.39  |  | 0.47  |  | 0.54  |  | 0.62  |  | 0.66  |  | 0.76        |  | 0.86   |  | 0.97   |  | 1.08   |  | 1.29   |  | 1.45   |  | 1.62   |  | 1.79     |  | 1.96   |  | 2.14   |  | 45 
|31    |  | 0.35  |  | 0.41  |  | 0.50  |  | 0.59  |  | 0.66  |  | 0.76  |  | 0.86        |  | 0.97   |  | 1.08   |  | 1.19   |  | 1.45   |  | 1.62   |  | 1.79   |  | 1.96     |  | 2.14   |  | 2.33   |  | 46 
|32    |  | 0.38  |  | 0.44  |  | 0.54  |  | 0.65  |  | 0.76  |  | 0.86  |  | 0.97        |  | 1.08   |  | 1.19   |  | 1.31   |  | 1.62   |  | 1.79   |  | 1.96   |  | 2.14     |  | 2.33   |  | 2.52   |  | 47 
|33    |  | 0.39  |  | 0.46  |  | 0.57  |  | 0.69  |  | 0.82  |  | 0.93  |  | 1.07        |  | 1.19   |  | 1.31   |  | 1.48   |  | 1.77   |  | 1.94   |  | 2.12   |  | 2.33     |  | 2.52   |  | 2.72   |  | 48 
|34    |  | 0.41  |  | 0.49  |  | 0.60  |  | 0.74  |  | 0.88  |  | 1.02  |  | 1.18        |  | 1.31   |  | 1.48   |  | 1.64   |  | 1.92   |  | 2.10   |  | 2.30   |  | 2.51     |  | 2.72   |  | 2.93   |  | 49 
|35    |  | 0.43  |  | 0.51  |  | 0.63  |  | 0.79  |  | 0.95  |  | 1.12  |  | 1.30        |  | 1.48   |  | 1.64   |  | 1.81   |  | 2.07   |  | 2.27   |  | 2.46   |  | 2.71     |  | 2.92   |  | 3.17   |  | 50 
|36    |  | 0.45  |  | 0.54  |  | 0.67  |  | 0.85  |  | 1.04  |  | 1.23  |  | 1.43        |  | 1.63   |  | 1.81   |  | 2.00   |  | 2.23   |  | 2.43   |  | 2.64   |  | 2.92     |  | 3.16   |  | 3.43   |  | 51 
|37    |  | 0.48  |  | 0.58  |  | 0.71  |  | 0.92  |  | 1.13  |  | 1.35  |  | 1.56        |  | 1.77   |  | 1.98   |  | 2.19   |  | 2.39   |  | 2.60   |  | 2.82   |  | 3.15     |  | 3.42   |  | 3.71   |  | 52 
|38    |  | 0.51  |  | 0.64  |  | 0.80  |  | 1.04  |  | 1.26  |  | 1.49  |  | 1.70        |  | 1.92   |  | 2.14   |  | 2.35   |  | 2.56   |  | 2.78   |  | 3.02   |  | 3.38     |  | 3.66   |  | 4.04   |  | 53 
|39    |  | 0.55  |  | 0.72  |  | 0.89  |  | 1.16  |  | 1.39  |  | 1.63  |  | 1.85        |  | 2.08   |  | 2.30   |  | 2.52   |  | 2.74   |  | 2.98   |  | 3.23   |  | 3.62     |  | 3.94   |  | 4.40   |  | 54 
|40    |  | 0.60  |  | 0.80  |  | 1.00  |  | 1.28  |  | 1.52  |  | 1.78  |  | 2.01        |  | 2.24   |  | 2.46   |  | 2.69   |  | 2.94   |  | 3.19   |  | 3.46   |  | 3.91     |  | 4.25   |  | 4.80   |  | 55 
|41    |  | 0.65  |  | 0.89  |  | 1.10  |  | 1.41  |  | 1.66  |  | 1.94  |  | 2.17        |  | 2.41   |  | 2.63   |  | 2.89   |  | 3.15   |  | 3.42   |  | 3.72   |  | 4.23     |  | 4.58   |  | 5.23   |  | 56 
|42    |  | 0.70  |  | 0.98  |  | 1.20  |  | 1.54  |  | 1.80  |  | 2.10  |  | 2.33        |  | 2.58   |  | 2.83   |  | 3.10   |  | 3.38   |  | 3.69   |  | 4.01   |  | 4.57     |  | 4.94   |  | 5.70   |  | 57 
|43    |  | 0.76  |  | 1.05  |  | 1.29  |  | 1.63  |  | 1.90  |  | 2.20  |  | 2.45        |  | 2.74   |  | 3.01   |  | 3.31   |  | 3.64   |  | 3.98   |  | 4.34   |  | 4.94     |  | 5.37   |  | 6.22   |  | 58 
|44    |  | 0.81  |  | 1.12  |  | 1.39  |  | 1.71  |  | 2.00  |  | 2.30  |  | 2.59        |  | 2.90   |  | 3.21   |  | 3.55   |  | 3.92   |  | 4.30   |  | 4.69   |  | 5.37     |  | 5.85   |  | 6.78   |  | 59 
|45    |  | 0.86  |  | 1.19  |  | 1.48  |  | 1.79  |  | 2.10  |  | 2.42  |  | 2.73        |  | 3.07   |  | 3.43   |  | 3.82   |  | 4.23   |  | 4.64   |  | 5.07   |  | 5.83     |  | 6.36   |  | 7.37   |  | 60 
|46    |  | 0.91  |  | 1.26  |  | 1.58  |  | 1.86  |  | 2.22  |  | 2.53  |  | 2.88        |  | 3.28   |  | 3.67   |  | 4.11   |  | 4.55   |  | 5.01   |  | 5.49   |  | 6.32     |  | 6.89   |  | 8.00   |  | 61 
|47    |  | 0.96  |  | 1.33  |  | 1.68  |  | 1.95  |  | 2.34  |  | 2.65  |  | 3.06        |  | 3.49   |  | 3.94   |  | 4.41   |  | 4.90   |  | 5.41   |  | 5.94   |  | 6.84     |  | 7.46   |  | 8.67   |  | 62 
|48    |  | 1.00  |  | 1.39  |  | 1.76  |  | 2.04  |  | 2.45  |  | 2.82  |  | 3.27        |  | 3.76   |  | 4.20   |  | 4.70   |  | 5.23   |  | 5.77   |  | 6.31   |  | 7.25     |  | 7.88   |  | 9.38   |  | 63 
|49    |  | 1.05  |  | 1.46  |  | 1.83  |  | 2.13  |  | 2.58  |  | 3.00  |  | 3.50        |  | 4.04   |  | 4.48   |  | 5.02   |  | 5.57   |  | 6.13   |  | 6.70   |  | 7.67     |  | 8.30   |  | 10.15  |  | 64 
|50    |  | 1.10  |  | 1.53  |  | 1.91  |  | 2.24  |  | 2.72  |  | 3.20  |  | 3.74        |  | 4.35   |  | 4.78   |  | 5.34   |  | 5.92   |  | 6.50   |  | 7.09   |  | 8.09     |  | 8.75   |  | 10.99  |  | 65 
|51    |  | 1.15  |  | 1.60  |  | 2.01  |  | 2.35  |  | 2.86  |  | 3.40  |  | 4.00        |  | 4.68   |  | 5.09   |  | 5.67   |  | 6.28   |  | 6.88   |  | 7.49   |  | 8.53     |  | 9.21   |  | 11.91  |  | 66 
|52    |  | 1.20  |  | 1.68  |  | 2.10  |  | 2.47  |  | 3.01  |  | 3.61  |  | 4.28        |  | 5.03   |  | 5.40   |  | 6.01   |  | 6.64   |  | 7.27   |  | 7.91   |  | 9.00     |  | 9.70   |  | 12.92  |  | 67 
|53    |  | 1.26  |  | 1.76  |  | 2.22  |  | 2.65  |  | 3.23  |  | 3.87  |  | 4.57        |  | 5.34   |  | 5.77   |  | 6.41   |  | 7.05   |  | 7.75   |  | 8.47   |  | 9.68     |  | 10.50  |  | 14.03  |  | 68 
|54    |  | 1.32  |  | 1.85  |  | 2.35  |  | 2.84  |  | 3.47  |  | 4.15  |  | 4.87        |  | 5.65   |  | 6.15   |  | 6.81   |  | 7.49   |  | 8.26   |  | 9.07   |  | 10.43    |  | 11.37  |  | 15.25  |  | 69 
|55    |  | 1.38  |  | 1.93  |  | 2.48  |  | 3.05  |  | 3.72  |  | 4.43  |  | 5.18        |  | 5.97   |  | 6.55   |  | 7.25   |  | 7.96   |  | 8.81   |  | 9.72   |  | 11.24    |  | 12.33  |  | 16.63  |  | 70 
|56    |  | 1.45  |  | 2.02  |  | 2.62  |  | 3.27  |  | 3.97  |  | 4.72  |  | 5.50        |  | 6.29   |  | 6.97   |  | 7.71   |  | 8.46   |  | 9.40   |  | 10.43  |  | 12.13    |  | 13.41  |  | 18.21  |  | 71 
|57    |  | 1.51  |  | 2.11  |  | 2.76  |  | 3.49  |  | 4.24  |  | 5.02  |  | 5.82        |  | 6.62   |  | 7.42   |  | 8.21   |  | 9.00   |  | 10.04  |  | 11.20  |  | 13.13    |  | 14.65  |  | 20.04  |  | 72 
|58    |  | 1.63  |  | 2.29  |  | 2.99  |  | 3.76  |  | 4.54  |  | 5.34  |  | 6.18        |  | 7.03   |  | 7.88   |  | 8.71   |  | 9.76   |  | 10.86  |  | 12.11  |  | 14.18    |  | 15.84  |  | 22.17  |  | 73 
|59    |  | 1.75  |  | 2.48  |  | 3.24  |  | 4.04  |  | 4.85  |  | 5.69  |  | 6.57        |  | 7.46   |  | 8.36   |  | 9.25   |  | 10.60  |  | 11.79  |  | 13.14  |  | 15.40    |  | 17.21  |  | 24.65  |  | 74 
|60    |  | 1.88  |  | 2.68  |  | 3.50  |  | 4.34  |  | 5.18  |  | 6.06  |  | 6.98        |  | 7.93   |  | 8.89   |  | 9.83   |  | 11.55  |  | 12.85  |  | 14.33  |  | 16.80    |  | 18.78  |  | 27.53  |  | 75 
|61    |  | 2.01  |  | 2.90  |  | 3.77  |  | 4.66  |  | 5.54  |  | 6.45  |  | 7.42        |  | 8.43   |  | 9.45   |  | 10.47  |  | 12.64  |  | 14.08  |  | 15.70  |  | 18.42    |  | 20.59  |  | 30.86  |  | 76 
|62    |  | 2.15  |  | 3.12  |  | 4.07  |  | 5.01  |  | 5.93  |  | 6.88  |  | 7.90        |  | 8.97   |  | 10.07  |  | 11.19  |  | 13.90  |  | 15.50  |  | 17.30  |  | 20.28    |  | 22.64  |  | 34.69  |  | 77 
|63    |  | 2.27  |  | 3.27  |  | 4.26  |  | 5.24  |  | 6.21  |  | 7.22  |  | 8.30        |  | 9.49   |  | 10.75  |  | 12.11  |  | 15.04  |  | 16.80  |  | 18.79  |  | 22.08    |  | 24.73  |  | 39.07  |  | 78 
|64    |  | 2.40  |  | 3.43  |  | 4.46  |  | 5.48  |  | 6.50  |  | 7.57  |  | 8.75        |  | 10.07  |  | 11.53  |  | 13.17  |  | 16.34  |  | 18.28  |  | 20.47  |  | 24.09    |  | 27.05  |  | 44.00  |  | 79 
|65    |  | 2.53  |  | 3.59  |  | 4.66  |  | 5.73  |  | 6.80  |  | 7.95  |  | 9.24        |  | 10.72  |  | 12.43  |  | 14.38  |  | 17.83  |  | 19.94  |  | 22.34  |  | 26.30    |  | 29.55  |  | 49.48  |  | 80 
|66    |  | 2.67  |  | 3.76  |  | 4.88  |  | 5.99  |  | 7.12  |  | 8.37  |  | 9.80        |  | 11.47  |  | 13.45  |  | 15.78  |  | 19.51  |  | 21.81  |  | 24.41  |  | 28.69    |  | 32.20  |  | 55.51  |  | 81 
|67    |  | 2.82  |  | 3.94  |  | 5.10  |  | 6.27  |  | 7.48  |  | 8.85  |  | 10.43       |  | 12.32  |  | 14.61  |  | 17.37  |  | 21.40  |  | 23.87  |  | 26.64  |  | 31.21    |  | 34.98  |  | 62.09  |  | 82 
|68    |  | 3.06  |  | 4.28  |  | 5.56  |  | 6.87  |  | 8.23  |  | 9.79  |  | 11.60       |  | 13.76  |  | 16.38  |  | 19.53  |  | 23.87  |  | 26.64  |  | 29.96  |  | 34.98    |  | 39.13  |  | 69.22  |  | 83 
|69    |  | 3.33  |  | 4.67  |  | 6.09  |  | 7.56  |  | 9.11  |  | 10.89 |  | 12.95       |  | 15.42  |  | 18.41  |  | 21.99  |  | 26.64  |  | 29.96  |  | 33.61  |  | 39.13    |  | 43.62  |  | 76.90  |  | 84 
|70    |  | 3.63  |  | 5.11  |  | 6.70  |  | 8.36  |  | 10.13 |  | 12.16 |  | 14.52       |  | 17.34  |  | 20.73  |  | 24.77  |  | 29.96  |  | 33.61  |  | 37.59  |  | 43.62    |  | 48.46  |  | 85.13  |  | 85 
|71    |  | 3.97  |  | 5.62  |  | 7.41  |  | 9.30  |  | 11.31 |  | 13.63 |  | 16.32       |  | 19.53  |  | 23.35  |  | 27.85  |  | 33.61  |  | 37.59  |  | 41.91  |  | 48.46    |  | 53.65  |  | 93.91  |  | 86 
|72    |  | 4.37  |  | 6.22  |  | 8.24  |  | 10.38 |  | 12.68 |  | 15.32 |  | 18.38       |  | 21.99  |  | 26.25  |  | 31.25  |  | 37.60  |  | 41.91  |  | 46.56  |  | 53.65    |  | 59.18  |  | 103.24 |  | 87 
|73    |  | 4.84  |  | 6.92  |  | 9.20  |  | 11.64 |  | 14.26 |  | 17.26 |  | 20.70       |  | 24.73  |  | 29.45  |  | 34.95  |  | 41.91  |  | 46.56  |  | 51.54  |  | 59.18    |  | 65.06  |  | 113.12 |  | 88 
|74    |  | 5.38  |  | 7.73  |  | 10.32 |  | 13.08 |  | 16.06 |  | 19.43 |  | 23.28       |  | 27.75  |  | 32.94  |  | 38.97  |  | 46.56  |  | 51.54  |  | 56.85  |  | 65.06    |  | 71.28  |  | 123.55 |  | 89 
|75    |  | 6.01  |  | 8.66  |  | 11.60 |  | 14.73 |  | 18.08 |  | 21.86 |  | 26.12       |  | 31.04  |  | 36.73  |  | 43.29  |  | 51.55  |  | 56.86  |  | 62.50  |  | 71.28    |  | 77.86  |  | 134.53 |  | 90 
|76    |  | 6.74  |  | 9.73  |  | 13.06 |  | 16.59 |  | 20.33 |  | 24.52 |  | 29.21       |  | 34.60  |  | 40.80  |  | 47.92  |  | 56.86  |  | 62.51  |  | 68.48  |  | 77.86    |  | 84.78  |  | 146.06 |  | 91 
|77    |  | 7.57  |  | 10.96 |  | 14.71 |  | 18.66 |  | 22.81 |  | 27.43 |  | 32.57       |  | 38.44  |  | 45.17  |  | 52.87  |  | 62.51  |  | 68.49  |  | 74.80  |  | 84.78    |  | 92.04  |  | 158.14 |  | 92 
|78    |  | 8.53  |  | 12.35 |  | 16.54 |  | 20.93 |  | 25.52 |  | 30.57 |  | 36.18       |  | 42.55  |  | 49.83  |  | 58.12  |  | 68.49  |  | 74.81  |  | 81.45  |  | 92.04    |  | 99.65  |  | 170.77 |  | 93 
|79    |  | 9.60  |  | 13.88 |  | 18.56 |  | 23.41 |  | 28.45 |  | 33.97 |  | 40.05       |  | 46.94  |  | 54.78  |  | 63.68  |  | 74.81  |  | 81.45  |  | 88.43  |  | 99.65    |  | 107.61 |  | 183.95 |  | 94 
|80    |  | 10.80 |  | 15.58 |  | 20.76 |  | 26.10 |  | 31.60 |  | 37.60 |  | 44.19       |  | 51.61  |  | 60.02  |  | 69.55  |  | 81.46  |  | 88.44  |  | 95.74  |  | 107.61   |  | 115.92 |  | 197.68 |  | 95 
|81    |  | 12.12 |  | 17.42 |  | 23.14 |  | 29.00 |  | 34.98 |  | 41.48 |  | 48.58       |  | 56.54  |  | 65.55  |  | 75.73  |  | 88.44  |  | 95.75  |  | 103.39 |  | 115.92   |  | 124.57 |  | 211.96 |  | 96 
|82    |  | 13.55 |  | 19.42 |  | 25.71 |  | 32.10 |  | 38.59 |  | 45.60 |  | 53.22       |  | 61.76  |  | 71.38  |  | 82.23  |  | 95.75  |  | 103.40 |  | 111.37 |  | 124.57   |  | 133.57 |  | 226.79 |  | 97 
|83    |  | 15.11 |  | 21.58 |  | 28.46 |  | 35.41 |  | 42.43 |  | 49.97 |  | 58.13       |  | 67.25  |  | 77.50  |  | 89.03  |  | 103.40 |  | 111.38 |  | 119.68 |  | 133.57   |  | 142.92 |  | 242.17 |  | 98 
|84    |  | 16.79 |  | 23.89 |  | 31.40 |  | 38.93 |  | 46.49 |  | 54.57 |  | 63.30       |  | 73.01  |  | 83.91  |  | 96.14  |  | 111.38 |  | 119.69 |  | 128.32 |  | 142.92   |  | 152.61 |  | 258.10 |  | 99 
|85    |  | 18.58 |  | 26.35 |  | 34.52 |  | 42.66 |  | 50.77 |  | 59.42 |  | 68.72       |  | 79.05  |  | 90.61  |  | 103.56 |  | 119.69 |  | 128.34 |  | 137.30 |  | 152.61   |  | 162.65 |  | 274.58 |  | 100
|86    |  | 20.50 |  | 28.97 |  | 37.82 |  | 46.59 |  | 55.29 |  | 64.51 |  | 74.41       |  | 85.36  |  | 97.60  |  | 111.28 |  | 128.34 |  | 137.32 |  | 146.61 |  | 162.65   |  | 173.03 |  |        |  |    
|87    |  | 22.54 |  | 31.74 |  | 41.31 |  | 50.73 |  | 60.02 |  | 69.85 |  | 80.35       |  | 91.95  |  | 104.89 |  | 119.32 |  | 137.32 |  | 146.63 |  | 156.26 |  | 173.03   |  |        |  |        |  |    
|88    |  | 24.69 |  | 34.67 |  | 44.98 |  | 55.08 |  | 64.99 |  | 75.43 |  | 86.55       |  | 98.81  |  | 112.46 |  | 127.67 |  | 146.63 |  | 156.27 |  | 166.23 |  |          |  |        |  |        |  |    
|89    |  | 26.97 |  | 37.75 |  | 48.83 |  | 59.63 |  | 70.18 |  | 81.25 |  | 93.01       |  | 105.95 |  | 120.33 |  | 136.33 |  | 156.28 |  | 166.25 |  |        |  |          |  |        |  |        |  |    
|90    |  | 29.37 |  | 40.99 |  | 52.87 |  | 64.40 |  | 75.59 |  | 87.32 |  | 99.73       |  | 113.36 |  | 128.49 |  | 145.30 |  | 166.26 |  |        |  |        |  |          |  |        |  |        |  |    



---

Exhibit IV

Reports

.

(Reporting Period Ending Date)



|                                            |  |                                                
|------------------------------------------- |  | -----------------------------------------------
|Treaty Date                                 |  | Termination Date                               
|Treaty Number                               |  | Reinstatement Date                             
|Reinsurance Method                          |  |                                                
|Client Policy Number                        |  | Special Products (required if applicable)      
|Automatic/Facultative Indicator             |  | If Joint, Type (e.g., last survivor,
1stto die)
|Joint Life Indicator                        |  | Joint Insured Name                             
|Name                                        |  | Joint Last Name                                
|Last Name                                   |  | Joint First Name                               
|First Name                                  |  | Joint Middle Initial                           
|Middle Initial                              |  | Joint Issue Age                                
|Date of Birth                               |  | Term Additions Indicator                       
|Issue Age                                   |  | Accelerated Benefit Indicator                  
|Gender                                      |  | Long Term Care Indicator                       
|State of Residency                          |  | Purchase Options                               
|Table Rating                                |  | Dividends                                      
|Smoker Indicator                            |  | Policy Fee                                     
|Preferred Risk Indicator                    |  | Cash Value                                     
|Issue Month/Day/Century/Year                |  |                                                
|Age Basis                                   |  | Additional Data Items (not required)           
|Original Plan Code                          |  | Par/NonPar Indicator                           
|Plan Description (e.g., WL, R&C, GPWL)      |  | Social Security number                         
|Plan Type (e.g., perm, term, UL, End, Ann.) |  | Years From Issue to Conversion                 
|Face Amount Issued                          |  | Reinsurance Premium Mode                       
|Original Amount Reinsured                   |  | Retention Amount                               
|Current Amount Reinsured                    |  | Cash Value                                     
|Life Standard Premium                       |  | First Year/Renewal Indicator                   
|Life Substandard Premium                    |  |                                                
|Flat Extra Premium                          |  |                                                
|Length of Flat Extra Premium                |  |                                                
|W.P. Premium                                |  |                                                
|ADB Premium                                 |  |                                                
|Rider Premium                               |  |                                                
|Life Standard Discount                      |  |                                                
|Life Substandard Discount                   |  |                                                
|Flat Extra Allowance                        |  |                                                
|W.P. Allowance                              |  |                                                
|ADB Discount                                |  |                                                
|Rider Discount                              |  |                                                





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Policy Exhibit



|                        |  |                |              |  |                      |  |  |  |  |                       |  |  |                      |  |  |  |  | 
|----------------------- |  | -------------- | ------------ |  | -------------------- |  |  |  |  | --------------------- |  |  | -------------------- |  |  |  |  | 
|Current Period          |  |                | Year-to-Date | 
|                        |  | No.of Policies |              |  | Amount ofReinsurance |  |  |  |  | No.of Policies        |  |  | Amount ofReinsurance | 
|In Force Beg. Of Period |  |                |              |  |                      |  |  |  |  | In Force Beg. Of Year |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Issuance-Automatic      |  |                |              |  |                      |  |  |  |  | Issuance-Automatic    |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Issuance-Faculative     |  |                |              |  |                      |  |  |  |  | Issuance-Faculative   |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Cancellations (NTOs)   |  |                |              |  |                      |  |  |  |  | Cancellations (NTOs) |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Reinstatements          |  |                |              |  |                      |  |  |  |  | Reinstatements        |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Other Increases         |  |                |              |  |                      |  |  |  |  | Other Increases       |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Total Increases         |  |                |              |  |                      |  |  |  |  | Total Increases       |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Death                   |  |                |              |  |                      |  |  |  |  | Death                 |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Recaptures              |  |                |              |  |                      |  |  |  |  | Recaptures            |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Expiries & Maturities   |  |                |              |  |                      |  |  |  |  | Expiries & Maturities |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Lapses & Surrenders     |  |                |              |  |                      |  |  |  |  | Lapses & Surrenders   |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Other Decreases         |  |                |              |  |                      |  |  |  |  | Other Decreases       |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|Total Decreases         |  |                |              |  |                      |  |  |  |  | Total Decreases       |  |  |                      |  |  |  |  | 
|                        |  |                |              |  |                     
|In Force End of Period  |  |                |              |  |                      |  |  |  |  | In Force Year-to-Date |  |  |                      |  |  |  |  | 





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Valuation Reserve for

Self-Administered Business

As of MM/DD/YY



|         |  |           |       |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|-------- |  | --------- | ----- |  | --------------- |  | ------------- | ------------ |  | --- | -------------- |  |  | ----------------------- |  |  | -------------------- |  |  | ------------ |  |  | -------------- |  |  | ---------------------- |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|Treaty # |  | IssueYear |       |  | ReinsuranceType |  |               | # ofPolicies |  |     | UnitsReinsured |  |  | AnnualizedGrossPremiums |  |  | NetValuationPremiums |  |  | LifeReserves |  |  | ReserveMethod* |  |  | Supplementary Reserves | 
|         |  |           |       |  |                 |  | Statutory     |              |  | Tax |                |  |  | Substandard             |  |  | WP                   |  |  | Al           |  |  | Deficiency     |  |  | Other                  | 
|TA001    |  |           | 1991  |  |                 |  | YRT /         |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1992  |  |                 |  | Co-Insurance/ |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1993  |  |                 |  | Modco         |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | :     |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1998  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1999  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | Total |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|TA002    |  |           | 1993  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1994  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1995  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | :     |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1998  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1999  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | Total |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|TA003    |  |           | 1997  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1998  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | 1999  |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 
|         |  |           | Total |  |                 |  |               |              |  |     |                |  |  |                         |  |  |                      |  |  |              |  |  |                |  |  |                        |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 



|* | Please describe exact method of calculating reinsurance reserves, i.e. unearned gross premiums or 1/2 Cx. If the business is co-insured, specify
mortality table, Interest rate and method used (curtate or continuous CRVM) but not less than 1/2 Cx, or CRVM humpback. Mean or Interpolated. Used XXX or Regulation 147. Does it include provision for immediate payment of claims?
|- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

As the valuation actuary of the below named company, I certify that the information above is correct as
shown.



|           |  | 
|---------- |  | 
|           | 
|Company:   |  | 
|           | 
|Signature: |  | 
|           | 
|Name:      |  | 
|           | 
|Title:     |  | 
|           | 
|Date:      |  | 





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit V

X-Factors



|         |  |       |       |   |      |  |       |      |  |  |       |   |  |     |       |   |  |  |       |  
|-------- |  | ----- | ----- | - | ---- |  | ----- | ---- |  |  | ----- | - |  | --- | ----- | - |  |  | ----- | -
|Duration |  | MP+NT |       |   | MPNT |  |       | MSNT |  |  | MPT   |   |  | MST |      
|1        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|2        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|3        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|4        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|5        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|6        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|7        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|8        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|9        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|10       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|11       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|12       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|13       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|14       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|15       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|16       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|17       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|18       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|19       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|20+      |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]



|         |  |       |       |   |      |  |       |      |  |  |       |   |  |     |       |   |  |  |       |  
|-------- |  | ----- | ----- | - | ---- |  | ----- | ---- |  |  | ----- | - |  | --- | ----- | - |  |  | ----- | -
|Duration |  | FP+NT |       |   | FPNT |  |       | FSNT |  |  | FPT   |   |  | FST |      
|1        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|2        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|3        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|4        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|5        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|6        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|7        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|8        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|9        |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|10       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|11       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|12       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|13       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|14       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|15       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|16       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|17       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|18       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|19       |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]
|20+      |  |       | [**** | ] |      |  | [**** | ]    |  |  | [**** | ] |  |     | [**** | ] |  |  | [**** | ]





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements



|                                               |  |                             
|---------------------------------------------- |  | ----------------------------
|A. Underwriting Manual                         |  | Swiss Re Underwriting Manual
|                                               | 
|B. Preferred Underwriting Guidelines           |  | See attached.               
|                                               | 
|C. Age and Amount Requirements                 |  | See attached.               
|                                               | 
|D. Guidelines for Exceptions to Preferred Risk |  | See attached.               





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements

B. Preferred Elite Underwriting Guidelines

Applicants with a rateable impairment will not qualify. To be considered for Preferred Elite classification, all applicants must meet the
following criteria:



|                          |                       |                                                                                                                                                               
|------------------------- | --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------
|Tobacco Use:              |                       | 5 years nicotine-free                                                                                                                                         
|                          |                      
|Blood Pressure Control:   |                       | Ages 0 - 50  135/85                                                                                                                                          
|                          | Ages 51 - up  145190
|                          |                      
|Personal History:         |                       | No personal history of cardiovascular disease, diabetes, cancer, alcohol and/or drug abuse.                                                                   
|                         
|                          |                      
|Family History:           |                       | No presence of cardiovascular disease, insulin dependent diabetes, or cancer before age 60 in parents or siblings, or presence of any other
hereditary disease
|                         
|                         
|                          |                      
|Driving History:          |                       | No more than two moving violations in the last three years or any DUI within the last five years                                                              
|                         
|                          |                      
|Total Cholesterol:        |                       | No medication - 220 max                                                                                                                                       
|                          |                      
|Cholesterol/HDL Ratio:    |                       | 5.0                                                                                                                                                           
|                          |                      
|Aviation:                 |                       | No private pilots unless aviation exclusion is used. Pilots with flat extra do not qualify. Commercial pilots are eligible.                                   
|                         
|                          |                      
|Foreign Travel/Residence: |                       | Must be a permanent resident and no extensive foreign travel.                                                                                                 
|                          |                      
|Occupation:               |                       | Not hazardous                                                                                                                                                 
|                          |                      
|Avocation:                |                       | Not rateable                                                                                                                                                  





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements

B. Preferred Elite Underwriting Guidelines (continued)

Applicant cannot exceed the following build requirements:



|       |  |                        |  |        |  |                       
|------ |  | ---------------------- |  | ------ |  | ----------------------
|HEIGHT |  | PREFERRED ELITE
WEIGHT |  | HEIGHT |  | PREFERRED ELITE
WEIGHT
|       |  |                       
|       |  |                       
|48   |  | 123                    |  | 59   |  | 186                   
|49   |  | 127                    |  | 510  |  | 192                   
|410  |  | 132                    |  | 511  |  | 197                   
|411  |  | 136                    |  | 60   |  | 203                   
|50   |  | 141                    |  | 61   |  | 208                   
|51   |  | 146                    |  | 62   |  | 214                   
|52   |  | 151                    |  | 63   |  | 220                   
|53   |  | 155                    |  | 64   |  | 226                   
|54   |  | 160                    |  | 65   |  | 232                   
|55   |  | 165                    |  | 66   |  | 238                   
|56   |  | 171                    |  | 67   |  | 244                   
|57   |  | 176                    |  | 68   |  | 250                   
|58   |  | 181                    |  | 69   |  | 257                   

Preferred Underwriting Guidelines

Applicants with a rateable impairment will not qualify. To be considered for the Preferred classification, all applicants
must meet the following criteria:



|                        |  |                                                                                                                                              
|----------------------- |  | ---------------------------------------------------------------------------------------------------------------------------------------------
|Tobacco Use:            |  | One year nicotine-free                                                                                                                       
|                        | 
|Blood Pressure Control: |  | Ages 0-50  135/85                                                                                                                           
|                        |  | Ages 51-up  140/90                                                                                                                          
|                        | 
|Personal History:       |  | No personal history of cardiovascular disease, diabetes, and/or cancer                                                                       
|                        | 
|Family History:         |  | No deaths of parents or siblings of cardiovascular disease, diabetes, or cancer prior to age 60, or presence of any other hereditary
disease.
|                        | 
|Driving History:        |  | No more than two moving violations in the last three years.                                                                                  
|                        | 
|Total Cholesterol:      |  | 250 max                                                                                                                                      





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements

B. Preferred Underwriting Guidelines (continued)



|                          |  |                                                                                                                            
|------------------------- |  | ---------------------------------------------------------------------------------------------------------------------------
|Cholesterol/HDL Ratio:    |  | 6.5                                                                                                                        
|                          | 
|Aviation:                 |  | No private pilots unless aviation exclusion is used. Pilots with flat extra do not qualify. Commercial pilots are eligible.
|                          | 
|Foreign Travel/Residence: |  | No formal policy                                                                                                           
|                          | 
|Occupation:               |  | Not hazardous                                                                                                              
|                          | 
|Avocation:                |  | Not rateable                                                                                                               

Applicant cannot exceed the following
build requirements:



|       |  |                  |  |        |  |                 
|------ |  | ---------------- |  | ------ |  | ----------------
|HEIGHT |  | PREFERRED
WEIGHT |  | HEIGHT |  | PREFERRED
WEIGHT
|48   |  | 136              |  | 59   |  | 207             
|49   |  | 141              |  | 510  |  | 213             
|410  |  | 146              |  | 511  |  | 219             
|411  |  | 151              |  | 60   |  | 225             
|50   |  | 157              |  | 61   |  | 232             
|51   |  | 162              |  | 62   |  | 238             
|52   |  | 167              |  | 63   |  | 244             
|53   |  | 173              |  | 64   |  | 251             
|54   |  | 178              |  | 65   |  | 258             
|55   |  | 184              |  | 66   |  | 264             
|56   |  | 189              |  | 67   |  | 271             
|57   |  | 195              |  | 68   |  | 278             
|58   |  | 201              |  | 69   |  | 285             





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements

C. Age & Amount Requirements



|                        |  |                    |  |                              |  |                              |  |                                |  |                               
|----------------------- |  | ------------------ |  | ---------------------------- |  | ---------------------------- |  | ------------------------------ |  | ------------------------------
|Amounts                 |  | 0-14               |  | 15-39                        |  | 40-49                        |  | 50-65                          |  | 66 & Over                     
|$0 to 49,999            |  | Non-Med            |  | Non-Med                      |  | Non-Med                      |  | ParamedNon-med*                |  | ParamedNon-med*               
|                        |  |                    |  |                              | 
|$50,000 to 99,999       |  | Non-Med            |  | Oral Fluids                  |  | Oral Fluids                  |  | ParamedBlood ProfileHOS        |  | ParamedBlood ProfileHOS       
|                        |  |                    |  |                              | 
|$100,000 to 300,000     |  | Non-Med            |  | AmplifiedBlood ProfileHOS    |  | AmplifiedBlood ProfileHOS    |  | ParamedBlood ProfileHOS        |  | ParamedBlood ProfileHOS, EKG  
|                        |  |                    |  |                              | 
|$300,001 to 1,000,000   |  | Consult HomeOffice |  | ParamedBlood ProfileHOS      |  | ParamedBlood ProfileHOS      |  | ParamedBlood ProfileHOS, EKG   |  | ParamedBlood ProfileHOS, EKG  
|                        |  |                    |  |                              | 
|$1,000,001 to 2,000,000 |  | Consult HomeOffice |  | ParamedBlood ProfileHOS      |  | ParamedBlood ProfileHOS, EKG |  | MD ExamBlood ProfileHOS, EKG   |  | MD ExamBlood ProfileHOS, EKG  
|                        |  |                    |  |                              | 
|Over $2,000,000         |  | Consult HomeOffice |  | ParamedBlood ProfileHOS, EKG |  | MD ExamBlood ProfileHOS, EKG |  | MD ExamBlood ProfileHOS, EKG** |  | MD ExamBlood ProfileHOS, EKG**

*Paramedical exam required if physical by a doctor, clinic or hospital has not been done within 12 months.

**SEKG needed in lieu of resting EKG at ages 50 through 70 at $5,000,000 and above.

Amount is determined by coverage applied for pluscoverage in force with Kansas City Life issued within the last 10 years.

Blood Profile and HOS are determined by coverage applied for pluscoverage in force with Kansas City Life issued
within the last 2 years.

At its discretion New Business may order requirements other than those shown in this guide.





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Exhibit VI

Underwriting Requirements

D. Guidelines for Exceptions to Preferred Risk*



|1. | Allow additional 10-15 mg on cholesterol as long as the chol/HDL ratio is good, e.g., 5.0 or less.
|-- | --------------------------------------------------------------------------------------------------



|2. | Allow a couple points on the systolic and diastolic blood pressure readings.
|-- | ----------------------------------------------------------------------------



|3. | Allow 5-10 pounds above the stated limits on the build charts.
|-- | --------------------------------------------------------------



|4. | Allow one family history of death between ages 55  60.
|-- | -------------------------------------------------------



|5. | Allow occasional use of tobacco products, e.g., cigars, pipe, chew, as long as the urine specimen is negative for cotanine.
|-- | ---------------------------------------------------------------------------------------------------------------------------



|6. | Consider getting an additional requirement, e.g., EKG, on a case that is a bit outside the listed exceptions.
|-- | -------------------------------------------------------------------------------------------------------------

*Only allow exceptions if all other criteria are met. No exceptions are allowed for Preferred Elite.





|                                    |  |  |  | 
|----------------------------------- |  |  |  | 
|Treaty 3685-19 Effective 01/19/2005 |  |  |  | 



---

Amendment

No. 1

This Amendment, Effective June 1, 2008, made by and
between Kansas City Life Insurance Company (Ceding Company) and Transamerica Occidental Life Insurance Company (Reinsurer), hereby amends and becomes a part of the Coinsurance Agreement No. 3685-19, effective
January 19, 2005 as follows:

Schedule A, Specifications, shall be deleted in its entirety and replaced with the
attached Schedule A.

This Amendment does not alter, amend or modify the Coinsurance Agreement other that as set forth in this
Amendment, and it is subject otherwise to all terms and conditions of the Coinsurance Agreement together with all amendments and supplements thereto.



|                          |  |                              
|------------------------- |  | -----------------------------
|Executed in duplicate by  |  | Executed in duplicate by     
|Kansas City Life          |  | Transamerica Occidental      
|Insurance Company         |  | Life Insurance Company       
|at Kansas City, Missouri, |  | at Charlotte, North Carolina,



|    |  |                                |  |         |  |  |  |     |  |                          |  |        
|--- |  | ------------------------------ |  | ------- |  |  |  | --- |  | ------------------------ |  | -------
|on  |  | 7/18                           |  | , 2008. |  |  |  | on  |  | 6/25                     |  | , 2008.
|    |  |                                |  |         |  | 
|By: |  | /s/ Donald Remfert             |  |         |  |  |  | BY: |  | /s/ Glenn Cunningham     |  |        
|    |  | Title: AVP & Associate Actuary |  |         |  |  |  |     |  | Title: VP                |  |        
|    |  |                                |  |         |  | 
|By: |  | /s/ David L. Metzler           |  |         |  |  |  | BY: |  | /s/ Robin Blackwell      |  |        
|    |  | Title: AVP & Associate Actuary |  |         |  |  |  |     |  | Title: 2ndVice President |  |        





|                                                                    |  |  |  |       
|------------------------------------------------------------------- |  |  |  | ------
|Treaty No. 3685-19, eff 01/19/2005 Amendment No. 1, eff. 06/01/2008 |  |  |  | 1 of 2



---

Schedule A

Specifications



|                                                                      |  |                                                                                                                                                                                                 
|--------------------------------------------------------------------- |  | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|1. Type of Business                                                   |  | Individual life insurance and waiver of premium issued directly by Ceding Company                                                                                                               
|                                                                      | 
|2.Plans of Insurance                                                  |  | Pool l  Level Term 10 & 20 Pool 2  Level Term 15 & 30; Level Term Advantage 10, 15, 20, & 30                                                                                                  
|                                                                      | 
|3. Basis of Reinsurance
Ceding Companys Share
Reinsurers Pool Share |  | Quota Share and Excess 10%
Quota Share 72% Quota Share and 80% Excess Share (Pool 1 Products) 81% Quota Share and 90% Excess Share (Pool 2 Products)                                            
|                                                                      | 
|4. Maximum Issue Age                                                  |  | 10 Year Term: 18  75 15
Year Term: 18  70 20 Year Term: 18  65 30 Year Term: 18  50                                                                                                         
|                                                                      | 
|5. Maximum Mortality                                                  |  | Each individual risk must not exceed Table 16, Table P, 500% or its equivalent on a flat extra premium basis                                                                                    
|                                                                      | 
|6. Minimum Amounts                                                    |  |                                                                                                                                                                                                 
|Initial - Facultative                                                 |  | $100,000                                                                                                                                                                                        
|                                                                      | 
|7. Years to Recapture                                                 |  | 5 years after the end of the level period, and only upon an increase in the Ceding Companys maximum retention limit. Only the portion ceded on an excess basis shall be
eligible for recapture.





|                                                                   |  |  |  |       
|------------------------------------------------------------------ |  |  |  | ------
|Treaty No. 3685-19, eff 01/19/2005 Amendment No.1, eff. 06/01/2008 |  |  |  | 2 of 2



---

LOGO



|                 |  |  |  |  |  |                       
|---------------- |  |  |  |  |  | ----------------------
|                 |  |  |  |  |  | Transamerica Life     
|                 |  |  |  |  |  | Insurance Company     
|                 |  |  |  |  |  | 401 North Tryon Street
|                 |  |  |  |  |  | Suite 800             
|                 |  |  |  |  |  | Charlotte, NC 28202   
|October 15, 2008 |  |  |  |  |  | Telephone 704 344-2700

Kansas City Life Insurance Company

William Schalekamp

General Counsel

3520 Broadway St

Kansas City, MO
64111-2502



|    |  |                                                                                                                
|--- |  | ---------------------------------------------------------------------------------------------------------------
|Re: |  | COMPLETION of Merger of Transamerica Occidental Life Insurance Company into Transamerica Life Insurance Company

Dear
Mr. Schalekamp:

We are writing to inform you of the completion of the merger of AEGON companies Transamerica Occidental
Life Insurance Company (TOLIC) and Transamerica Life Insurance Company (TLIC). The merger is part of AEGONs continued consolidation to simplify organizational structure and to increase operational efficiencies.

TOLIC merged into TLIC effective October 1, 2008. TLIC is the sole successor entity of both companies.

This change will have minimal impact on our reinsurance relationship with your company. Because the transfer of treaty rights and
obligations occurs by operation of law, it is not necessary to amend reinsurance agreements or execute any ancillary documents to effect these changes. Out intent is to limit the impact as much as possible so that the merger does not create extra
work for your staff.

We are including a schedule of reinsurance agreements between TOLIC and Kansas City Life Insurance
Company, which will be affected by the merger. Please let us know if your records differ from this enclosed list of treaties.

Please place a copy of this letter in your treaty files and change your records and systems for these treaties to show the name of
Transamerica Life Insurance Company (NAIC Company Code 86231 and Federal ID # 39-0989781).

We place great value on our
reinsurance relationship with your company. If you have any questions about the merger, please contact your Transamerica Reinsurance account executive.

Sincerely,



|                        
|------------------------
|/s/ Glenn Cunningham    
|Glenn Cunningham        
|Executive Vice President

Encl.: Schedule of Affected
Reinsurance Treaties



---



|                                   |  |               
|---------------------------------- |  | --------------
|Kansas City Life Insurance Company
|Agreement Number                   |  | Effective Date
|3685-02                            |  | 10/1/1969     
|3685-03                            |  | 8/1/1970      
|3685-04                            |  | 1/1/1973      
|3685-05                            |  | 11/1/1987     
|3685-06                            |  | 1/1/1988*     
|3685-07                            |  | 1/1/1987      
|3685-09                            |  | 1/1/1991      
|3685-10                            |  | 1/1/1994      
|3685-11                            |  | 9/1/1993      
|3685-12                            |  | 8/1/1997      
|3685-13                            |  | 11/1/1971     
|3685-14                            |  | 8/1/1982*     
|3685-15                            |  | 7/1/1987*     
|3685-16                            |  | 1/1/2000      
|3685-17                            |  | 2/1/2001      
|3685-19                            |  | 1/19/2005     



|* | Terminated or Terminated for New Business
|- | -----------------------------------------