GROUP LONG TERM DISABILITY REINSURANCE AGREEMENT
    ARTICLE
I. GENERAL PROVISIONS
    A)
    
    For risks reinsured under this Agreement, the Insurer will use only those policy forms
which have been approved by the appropriate regulatory authorities. After the Reinsurer
has reviewed and approved copies of these forms, and insurance policies have been
accepted by the the Policyholder and administered in accordance with the terms of this
Agreement, the Reinsurer will be liable to the Insurer for the Reinsured Percentage in
accordance
with the provisions of the policies reinsured.




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##### 



B)
    
    The Insurer, by executing this Agreement, represents that it is
licensed to do insurance
business in every state, district or territory of the United States, or the
District of
Columbia, in which it does business; and that it is licensed to write the
group health and
disability insurance policies which are the subject of this Agreement.C)
    
    This Agreement represents an exclusive reinsurance arrangement between the
parties for
long term disability business. All business quoted using rates provided by the
Reinsurer
shall be reinsured under this Agreement. In the event the Reinsurer declines to
accept any
policy, the Insurer may reinsure such policy with another reinsurer.D)
    
    Upon agreement of risk and benefits between Reinsurer and
Insurer, any increase in
benefit liability resulting from Insurers divergence from same
shall be borne by the
Insurer. The Reinsurer does not assume liability for any risk not agreed upon and
which is incurred as a result of errors, intentional or otherwise, in the
policy and/or certificate issued.
 ARTICLE II. UNDERWRITING
 A)
    
    Any reinsurance under this Agreement will be effected only
through the express written consent of the Reinsurer for each case submitted under any disability insurance
policy
covered by this Agreement. The Insurer will submit underwriting data to the
Reinsurer and the Reinsurer will inform the Insurer of its decision to accept
or reject liability. The
Reinsurer will make available to the Insurer the underwriting data prepared and used in
making its determination.The Reinsurer has the right to approve individuals insured under any policy
as a condition of its acceptance of that policy. The Reinsurer may waive this
right for some or all policies
at any time.B)
    
    The Reinsurer shall keep and maintain appropriate records of evidence of insurability,
including but not limited to the policy, applications, certificates of coverage, medical
forms, and other evidence of insurability, for at least three (3)
years. Upon termination of
this Agreement, the Reinsure, will retain and Insurer shall have
access to such information for the later of three (3) years from termination date or the date the last active claim
ceases.C)
    
    Either the Insurer of the Reinsurer may, at any reasonable time during normal working
hours of the Insurer and upon provision of written notice fourteen (14) days in advance,
review and audit the records of the other party relating to business reinsured under this Agreement.
 2




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ARTICLE
III. FINANCIAL RESPONSIBILITIES AND TRANSACTIONS
 A)
    
    The Insurer shall remit premium for reinsured group long term disability policies to
the
Reinsurer within ninety (90) days from the date on which premium is due to the Insurer.
The Insurer will follow all prudent procedures for premium collection and will notify
the Reinsurer of all reinsured policies for which premium is overdue by ninety (90)
days of the due date. The Reinsurer may assess an interest charge equal to the
interpolated seven (7) year value of five (5) year and ten (10) year United States
Treasury Bonds on premium overdue by more than ninety (90) days.The Insurer will follow all prudent procedures for premium collection and will
notify the Reinsurer of all reinsured policies for which premium is
overdue by thirty (30) days of the due date. The Reinsurer may assess
an interest charge equal to the interpolated seven (7)
year value of five (5) year and ten (10) year United States Treasury Bonds on premium
overdue by more than thirty (30) days.If the premium payment period for any policy comprising the Underlying Risk is other than
monthly, the parties to this Agreement shall determine, by mutual consent the proper
method of reporting, accounting, and transferring of balances.For past due premiums on all reinsured policies for which premiums remain
due and unpaid for thirty (30) days following their due date, the Insurer shall
take appropriate action to terminate all prospective liability in accordance with
the policy provisions and shall institute its usual collection procedures. If the
Insurer fails to take appropriate action to terminate all prospective liability,
the Reinsurer reserves the right to terminate reinsurance of such ceded policies
for which premiums remain unpaid for thirty (30) days past their due date.B)
    
    For any business sold under this Agreement, the Reinsurer will specify the percentage
of premium to be paid to it for reinsurance of each policy at the time Reinsurer accepts
liability under the terms of the Underwriting Article of this Agreement.C)
    
    The liability of the Reinsurer shall begin simultaneously with the Reinsurers
acceptance of reinsurance for a long term disability
insurance policy, subject to the terms of this Agreement.D)
    
    The insurer is responsible for paying all premium taxes concerning any business covered by
this Agreement.E)
    
    Upon provision of written notice fourteen (14) days in
advance,
each party shall have the right, at any reasonable time during normal
working hours, to inspect, at the office of the other party all
non-proprietary, non-confidential and non-privileged books, records and
documents relating to policies reinsured under this Agreement.
 3




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F)
    
    If the Insurer fails to pay the consideration described in this Article, the
Reinsurer shall have
the right to terminate, from the date up to which the policy premiums have been paid,
its obligation for that portion of the Underlying Risk for which consideration is in arrears.G)
    
    The Reinsurer will be bound by the consideration it specifies for a particular
policy.
However, on any date that the Insurer has the right to terminate a policy or change
the
premium for said policy, the Reinsurer may, with sixty (60) days advance notice,
modify the
rate of consideration or terminate reinsurance on the policy. The Insurer shall
then be
bound by the modification.H)
    
    Reinstatement of the reinsurance on ceded policies which have been terminated
under any provision of this Article shall be at the Reinsurers discretion.I)
    
    Each party to this Agreement shall have the right to offset any balance(s), or
any other amounts due relating to this or related agreements. In the event of the
insolvency of a party to this Agreement, offsets shall only be allowed
in accordance with the Insolvency Article of this Agreement.
 ARTICLE IV. CLAIMS
  A)
    
    All services will be performed in accordance with
Appendix B, the Claims Management
Agreement. This Agreement includes administrative procedures particular to the claims
management process and includes, but is not limited to. Authorization to Pay
Claims, Claim Administration Guidelines, Claim Data; Payment of
Benefits; Payment of
Claim Expenses; Right to Audit; and is mutually agreed to by the parties of this Agreement.B)
    
    The Reinsurer will undertake the defense of any suit, or portion of a suit, which
is based or alleged to be based on claims for benefits under group disability policies covered by this
Agreement where the claim is first commenced after the effective date
of this Agreement,
and the underlying policy is effective on or after the effective date of this
Agreement. Except as otherwise provided in this Agreement, choice of counsel and
management of any such suit, or portion of such suit, shall be agreed
upon by the Insurer
and the Reinsurer,
which will have the exclusive right to settle any such suit, when in its informed and good
faith opinion, it is appropriate to do so. The Insurer will cooperate with the Reinsurer in the
defense of such suits.
 4




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##### 



C)
    
    The Insurer and the Reinsurer will notify each other promptly of
any litigation brought
against it with respect to the policies covered by this Agreement.D)
    
    Claims for Extra-Contractual Amounts. Extra-Contractual Amounts are
amounts outside
of contractual benefits which may include, but are not necessarily limited to:
punitive,
exemplary, compensatory or consequential damages or plaintiffs
litigation-related costs and
fees.
 i)
    
    If extra-contractual amounts are awarded against the
Insurer solely as a result of the Reinsurers decision, action, delay or
failure to act, the Reinsurer shall pay one hundred percent (100%) of all
such amounts.ii)
    
    If extra-contractual amounts are awarded against the Insurer solely as a
result of Insurers decision, action, delay, or failure to act, the Reinsurer
shall have no (0%) percentage of liability for the payment of extra-contractual
amounts.iii)
    
    When extra-contractual amounts are awarded against the Insurer
 as a result of both the Reinsurers and the Insurers
decision, action, delay or failure to act, the parties
agree to share in the payment of any extra-contractual amounts.iv)
    
    To expedite the resolution of certain claims, amounts other than
policy benefits may be added to a claim settlement.
   ARTICLE
V. RESERVE ADMINISTRATION
  ARTICLE
VI. DURATION, RECAPTURE AND TERMINATION
 A)
    
    This Agreement shall govern the relationship of the parties until the liability of
the Reinsurer
with respect to all policies reinsured hereunder ceases. In accordance with the
provisions of this Article, this Agreement can be terminated by either party with respect to all
prospective
 5




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##### 



acceptances. Termination of the group long term disability insurance exclusively shall not
occur when other lines of disability insurance are also written under this Agreement.Any partial or complete prospective termination of this Agreement must be made in writing prior to
October 1st of each year. Termination shall occur on the desired effective date of
termination or ninety days from receipt of notice, whichever is later.B)
    
    After this Agreement has been inforce for more than one (1) year from the effective date, the
Insurer may decrease the Reinsured Percentage. The following schedule is the minimum Reinsured
Percentage for each disability policy in effect at the anniversary date of this Agreement.
 Year 1 following notification
    
    
    75
    %Year 2 Following notification
    
    
    75
    %Year 3 following notification and thereafter
    
    
    50
    %
 Notification must be received by the Reinsurer not later than October 1 of the year prior to the
intended change. The Reinsured Percentage will remain at current Reinsured Percentage absent any
notification. The change in Reinsured Percentage will occur at the next renewal date of the
underlying reinsured policy occurring after the anniversary of the change. Upon termination of this
Agreement, the Insurer may reduce the Reinsured Percentage to zero percent (0%) five (5) years from
the effective date of the termination. Notification must be provided 90 days in advance.C)
    
    The Reinsured Percentage governing any particular claim under a reinsured policy will be that
Reinsured Percentage in effect as of the date of disability.D)
    
    As of the date termination becomes effective Reinsurer will provide Insurer only with those
necessary claims and financial services required to manage any reinsured business.F)
    
    If Insurer becomes insolvent, as determined by the state regulatory agency, this Agreement will
terminate automatically as of the date of insolvency as to all prospective acceptances by the
Reinsurer. Liabilities already incurred by the Reinsurer will be administered in accordance with
the Insolvency Article of this Agreement.
 ARTICLE VI. NON-TRANSFERABILITY OF AGREEMENT
  6




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##### 



ARTICLE VII. PARTIES TO THIS AGREEMENT
 A)
    
    This is an agreement solely between the Insurer and the Reinsurer. The acceptance of
reinsurance hereunder shall not create any right or legal relation whatever between the
Reinsurer and any of Insurers policyholders, beneficiaries, representatives, sales
representatives, employees or shareholders.
 B)
    
    A failure or delay of either party to this Agreement to enforce any of the provisions
of this Agreement, or to exercise any option which is herein provided, shall in no way be
construed to be a waiver of such provision.
 ARTICLE VIII. CONFIDENTIALITY
 A)
    
    The Insurer and the Reinsurer may come into the possession or knowledge of
confidential and proprietary information of the other in fulfilling obligations under this
Agreement. Insurer and the Reinsurer agree to hold such confidential information in
strictest confidence and to take all reasonable steps to ensure that such confidential
information is not disclosed in any form by any means by each of them or by any of their
employees or associates to third parties of any kind, except by advance authorization.
Confidential information means any information which (1) is not generally available to
the public, or (2) has not been lawfully obtained by the parties prior to the date of
disclosure to it by the other, and includes but is not limited to:
 i)
    
    Information or knowledge about each partys products, processes,
services, finances, customers, research, computer programs, marketing and business
plans, claims management practices, and reserving methodology; andii)
    
    Any medical and other personal, individually identifiable information
about people or business entities with whom the parties do business, including
customers, prospective customers, vendors, suppliers, individuals covered by
insurance plans, and each partys producers and employees.
 B)
    
    The Insurer and its agents, employees and representatives will not represent
themselves, in writing, as part of the Reinsurer, or refer, in
writing, to the Reinsurer in any policy forms or promotional materials, without the prior written consent of the
Reinsurer.
 ARTICLE IX. INSOLVENCY
  7




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##### 



ARTICLE X. ARBITRATION
 A)
    
    The parties explicitly agree that all differences, whether matters of fact, law or
mixed fact and law, which arise out of the interpretation or execution of this Agreement,
will be decided by arbitration except for those matters which are left to the sole
discretion of the Reinsurer or the Insurer under the terms of this Agreement. The parties
explicitly agree that arbitration shall be the sole and exclusive remedy for all such
differences, and that the arbitrators will determine the interpretation of this Agreement
in accordance with the usual business and reinsurance practices rather than strict
technicalities. Three neutral arbitrators will decide any differences. They must be active
or retried officers of life insurance companies other than the two parties to this Agreement
or any of their subsidiaries. In addition, the officers may not be former employees of the
two parties to this Agreement or any of their subsidiaries. In
addition, the officers may not be former
employees of the two parties to this Agreement or any of their subsidiaries. One of the arbitrators is to be appointed
by each party to this Agreement, and the two arbitrators will select a third. If the two are
not able to agree on a third, the choice will be left to the President of the Society of
Actuaries of its successor. The arbitration shall be in accordance with the Commercial
Arbitration Rules of the American Arbitration Association, or its successor and will take
place in Portland, Maine. This Agreement shall be deemed binding upon the arbitrators for
matters expressly agreed to herein. The arbitrators decision shall be by majority vote,
and no appeal shall be taken from it. The judgment rendered by the arbitrators may be
entered in any court having proper jurisdiction. Expenses and fees for the arbitrators
shall be shared by the Insurer and the Reinsurer in equal portions.
 B)
    
    The arbitrators may award only contractual damages to either party. In no event may
extra contractual damages, including amounts available under any state or federal
Racketeer Influenced and Corrupt Organization Act (RICO), be awarded to either party under
this
 8




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##### 



Agreement for breach of said agreement. However, the arbitrators may allocate responsibility for 1)
any extra-contractual amounts awarded against the Insurer, or 2) any amounts representing extra-contractual
damages in a settlement, between the Insurer and the Reinsurer as set forth
in the Claims Article of this Agreement.C)
    
    The procedures specified in this Article shall be the sole and exclusive procedures
for the resolution of disputes between the parties arising out of or relating to this
Agreement; provided, however, that a party may seek a preliminary injunction or other
preliminary judicial relief if in its judgment such action is necessary to avoid
irreparable damage. Despite such action the parties will continue to participate in good
faith in the procedures specified in this Article. All applicable statutes of limitation
shall be tolled while the procedures specified in this Article are pending. The parties
will take such action, if any, required to effectuate such tolling.D)
    
    Notwithstanding any other provision of this Article, in the event that either party
seek, consents to, or acquiesces in the appointment of, or otherwise becomes subject to,
any trustee, receiver, liquidator, or conservator (including any state insurance
regulatory agency acting in such a capacity), the other party shall not be obligated to
resolve any claim, dispute, or cause of action under this Agreement by arbitration and may
elect to bring any action with respect to such claim, dispute or cause of action in any
court of competent jurisdiction.
 ARTICLE XI. YEAR 2000 COMPLIANCE
  i)
    
    conducting an inventory and assessment of Year 2000 impacts to its telecommunications
and information systems, related software and hardware, and its facilities (e.g.,
buildings and utilities);ii)
    
    conducting a review of the Year 2000 preparedness of its significant business
partners and suppliers;iii)
    
    correcting its Year 2000 problems and testing and validating its conversion efforts,
andiv)
    
    establishing contingency and avoidance plans.
  9




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ARTICLE XII. ERRORS AND OMISSIONS
  ARTICLE XIII. APPLICABLE LAW
  ARTICLE XIV. MODIFICATION
 A)
    
    This Agreement constitutes the entire understanding between the Reinsurer and the
Insurer. Neither party shall be bound by any other representation made before or after the
date of this agreement, unless it is made in writing signed by both parties and expresses
by its terms an intention to modify this Agreement.
 B)
    
    In the event that any one or more of this provisions of the Agreement shall, for any
reason, be held to be invalid, illegal or unenforceable, the remaining provisions of this
Agreement shall be unimpaired.
  DUNCANSON &
HOLT SERVICES,
    
    
    
    SAFECO LIFE INSURANCEINC.( Managing Agent of Reinsurer)
    
    
    
    COMPANY(Insurer)By
    
    /s/ Paul K. Fields
    
    
    
    By
    
    /s/ John P. FenlasonTitle
    
    VP Finance
    
    
    
    Title
    
    Sr. Vice PresidentDate
    
    8-30-99
    
    
    
    Date
    
    8-17-99
 /s/ Sharon Newton
    
    
    
    /s/ Joseph Allen WymichWitness
    
    
    
    
    
    Witness
 10




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APPENDIX A-20
 AGREEMENT YEAR 1999
   DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONAllianz Life Insurance Company
of North America
    
    $
    30,000
    
    
    
    100.00
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100.00
    %
 11




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##### 



Claims Management Agreement
Appendix B
 I. Claims Management Services
  II. Standard of Care
  III Licenses
  IV. Claims Administration Guidelines/Claims Data
  12




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V. Payment of Claims/Authorization to Pay Claims
   ,
  13




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##### 



VI. Claims Expenses
  VII. Right to Audit
   VIII. Information RelatingtoFraudulent Claims
  IX. Responsibility of Reinsurer for Act of CSI .
   14




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##### 



DUNCANSON & HOLT SERVICES,
INC.(Managing Agent of Reinsurer)
    
    
    
    SAFECO LIFE INSURANCE
COMPANY(Insurer)By
    
    /s/ Paul K. Fields
    
    
    
    By
    
    /s/ John P. FenlasonTitle
    
    V P Finance
    
    
    
    Title
    
    Sr. Vice PresidentDate
    
    8/30/99
    
    
    
    Date
    
    8/17/99/s/
Sharon Newton
    
    
    

/s/
Joseph Allen WymichWitness
    
    
    
    Witness
 15




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##### 



AMENDMENT NO. 1
TO THE
GROUP LONG TERM DISABILITY REINSURANCE TREATY
  SAFECO Life Insurance Company DUNCANSON & HOLT SERVICES, INC
 Article IV(E)
    DUNCANSON & HOLT SERVICES,INC
    
    SAFECO LIFE INSURANCE COMPANY(Managing Agent of Reinsurer)
    
    (Insurer)By:
    
    /s/ Paul K. Fields
    
    
    
    By:
    
    /s/ Scott Taylor(Signature)
    
    
    
    (Signature)V P Finance
    
    
    
    Sr. V. P.(Title)
    
    
    
    (Title)10/17/00
    
    
    
    10/24/00(Date)
    
    
    
    (Date)/s/  Sonia D. Davis
    
    
    
    /s/  Betty Amundson(Witness)
    
    
    
    (Witness)




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##### 



AMENDMENT
    C)
    
    All new pre-sale business which is quoted using rates provided by the
Reinsurer shall be reinsured under this Agreement. For new pre-sale business, this
Agreement represents a non-exclusive reinsurance arrangement between the parties.This Agreement will continue to represent an exclusive reinsurance arrangement
between the parties with respect to renewals for Policies which are in force and
reinsured with Reinsurer as of January 1,2006. In the event the Reinsurer
declines to accept a renewal of any such policy, the Insurer may reinsure such
policy with another reinsurer.
   INTEGRATED DISABILITY
RESOURCES, INC.
    
    
    
    SYMETRA LIFE INSURANCE COMPANYBy:
    
    /s/ Paul K. Fields
    
    
    
    By:
    
    /s/ Scott TaylorName:
    
    Paul K. Fields
    
    
    
    Name:
    
    Scott TaylorTitle:
    
    CFO
    
    
    
    Title:
    
    SR V.P.Date:
    
    4/27/2006
    
    
    
    Date:
    
    12/19/05




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##### 



AMENDMENT NO. 3
TO THE
GROUP LONG TERM DISABILITY REINSURANCE AGREEMENT
    1.
    
    ARTICLE I. GENERAL PROVISIONS, Paragraph C is amended to read as follows:
 C)
    
    All new business proposals which are quoted using rates provided by the Reinsurer
shall be reinsured under this Agreement, except for new business proposals produced:
 i)
    
    by Meridian Benefits in the states of North Carolina, South Carolina and
Tennessee, orii)
    
    from distribution channels and opportunities brought
to Insurer by other
reinsurance outlets, where discussions concerning such opportunities are not
initiated by the Insurer.
 Otherwise, this Agreement represents an exclusive reinsurance arrangement between the
parties with respect to new business proposals.This Agreement will continue to represent an exclusive reinsurance arrangement between
the parties with respect to renewals for Policies which are in force and reinsured with
Reinsurer as of July 1, 2006. In the event the Reinsurer declines to accept a renewal of
any such policy, the Insurer may reinsure such policy with another reinsurer.
 2.
    
    ARTICLE III. FINANCIAL RESPONSIBILITIES AND TRANSACTIONS, Section A),
first two paragraphs are amended to read as follows:The Insurer shall remit premium for reinsured group long term disability policies to the
Reinsurer within ninety (90) days from the date on which premium is due to the Insurer.
 1




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##### 



The Insurer will follow all prudent procedures for premium collection and will notify the
Reinsurer of all reinsured policies for which premium is overdue by ninety (90) days of the due
date.The third and fourth paragraphs under Section A) remain unchanged by this Amendment.3.
    
    ARTICLE VI. DURATION, RECAPTURE AND TERMINATION is amended to read as follows:
  A)
    
    Duration. This Agreement shall govern the relationship of the parties until the
liability of
the Reinsurer with respect to all policies reinsured under this Agreement ceases.Insurer agrees to continue an ongoing active relationship with the Reinsurer for an initial
period ending December 31, 2007.B)
    
    Termination.
 (i)
    
    Without Cause. Subject to Section A in this Article VI, either party may
terminate this Agreement with respect to all prospective acceptances, at any time by
providing ninety (90) days prior written notice to the other party.(ii)
    
    Insurer Insolvency. If Insurer becomes insolvent as determined by one or more
state regulatory agencies, this Agreement will terminate automatically as of the date
of insolvency as to all prospective acceptances. Liabilities already incurred by the
Reinsurer will be administered in accordance with the Insolvency Article of this
Agreement.(iii)
    
    Immediate Termination Rights. Notwithstanding the above, Insurer may
terminate this Agreement upon the occurrence of any of the following at any time by the
giving of fifteen (15) days prior written notice to the Managing Agent:
 a)
    
    Either ADRUS or the Managing Agent ceases active underwriting operations;b)
    
    A State Insurance Department or other regulatory authority orders
ADRUS, or any then-participating member of ADRUS, to cease writing business;c)
    
    ADRUS, any then-participating member of ADRUS, or the Managing
Agent: 1) becomes insolvent, 2) is placed into liquidation or receivership, or 3)
has instituted against it proceedings for the appointment of a supervisor,
receiver, liquidator, rehabilitator, conservator or trustee in bankruptcy, or
other agent known by whatever name, to take possession of its assets or control
of its operations;
 2




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##### 



d)
    
    ADRUS or the Managing Agent enters into a definitive written agreement to
directly or indirectly assign its interests in this Agreement and liability for
obligations under this Agreement to another party without the Insurers prior
written consent;e)
    
    The Managing Agent has entered into a definitive agreement to
sell substantially all of its assets without the Insurers prior written
consent; orf)
    
    ADRUS or the Managing Agent, has engaged in any of the following: 1) a pattern
or practice of failure by ADRUS or the Managing Agent to pay claims
on a timely basis, 2) a pattern or practice of failure by ADRUS or the Managing
Agent to abide by applicable federal or state laws, 3) a pattern or practice of
acts of bad faith conduct by ADRUS or the Managing Agent, or 4) a pattern or
practice of committing acts of negligent behavior by ADRUS or the Managing
Agent, in discharging the Reinsurers duties under this Agreement.
 C)
    
    Recapture.If the Insurer terminates the Agreement effective on January 1, 2008 or some other date in
2008, the recapture period shall, be three (3) years from the effective date of such
termination.If the Insurer terminates the Agreement effective on or after January 1, 2009, the
recapture period shall be two (2) years from the effective date of such termination.Recapture through any means will include 100% of the risk for the policies unless other
terms are agreed to by the Insurer and Reinsurer.D)
    
    The Reinsured Percentage governing any claim under a reinsured policy will be
that Reinsured Percentage in effect as of the date of disability.E)
    
    As of the date termination of the Agreement becomes effective, Reinsurer will provide
Insurer only with those necessary claim and financial services required to manage any
reinsured business. Upon termination, Reinsurer will utilize renewal methods, tools and
procedures which are consistent with those in use for renewals generally within Reinsurers
overall block of business at the time Insurers policies are
being renewed.
 4.The Agreement is amended by the addition of the following Article, which is applicable to
ADRUS members for all ADRUS agreement years effective on or after July 1, 2006.
 ARTICLE XV. COLLATERAL REQUIREMENTS
 If the amount of capital and surplus of any ADRUS member has been reduced by 50% or more of the
amount of capital and surplus as stated in such ADRUS members most recent prior annual
statutory statement filed with its state of domicile, such ADRUS member shall deposit in trust
with a trustee (which shall not be an affiliate of such ADRUS
member), and thereafter at all
times maintain in such trust, assets at least equal in value to such ADRUS members
proportionate amount of the reserves required to be maintained from time to time
 3




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##### 



CUSTOM DISABILITY
SOLUTIONS,
Managing Agent of Reinsurer
    
    
    
    SYMETRA LIFE INSURANCE COMPANYBy:
    
    /s/ Paul K. Fields
    
    
    
    By:
    
    /s/ Michael FryName:
    
    Paul K. Fields
    
    
    
    Name:
    
    Michael FryTitle:
    
    CFO
    
    
    
    Title:
    
    V PDate:
    
    8/16/2006
    
    
    
    Date:
    
    8/17/2006
 4




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##### 



AMENDMENT NO. 4
TO THE
GROUP LONG TERM DISABILITY REINSURANCE AGREEMENT
    APPENDIX A
 AGREEMENT YEAR 1999
 January 1,
1999 to December 31, 1999
 &
 DOLLAR
    
    PERCENTAGEMEMBER REINSURER[S]
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life Insurance Company of America
    
    $
    30,000
    
    
    
    100
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100
    %
 1




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##### 



CUSTOM DISABILITY
SOLUTIONS,
Managing Agent of Reinsurer
    
    
    
    SYMETRA LIFE INSURANCE COMPANYBy:
    
    /s/ Paul K. Fields
    
    
    
    By:
    
    /s/ David C. FryName:
    
    Paul K. Fields
    
    
    
    Name:
    
    David C. FryTitle:
    
    CFO
    
    
    
    Title:
    
    Senior Actuary & AVPDate:
    
    12/7/2006
    
    
    
    Date:
    
    12/8/2006
 2




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##### 



AMENDMENT 5
    C)
    
    All new pre-sale business which is quoted using rates provided by the Reinsurer shall be
reinsured under this Agreement, except for new pre-sale business produced from distribution
channels and opportunities brought to Insurer by other reinsurance outlets, where discussions
concerning such opportunities are not initiated by the Insurer.Otherwise, this Agreement represents an exclusive reinsurance arrangement between the
parties with respect to new pre-sale business.This Agreement will continue to represent an exclusive reinsurance arrangement
between the parties with respect to renewals for Policies that are in force and
reinsured with Reinsurer as of July 1, 2006. In the event the Reinsurer declines to
accept a renewal of any such policy, the Insurer may reinsure such policy with another
reinsurer.
   CUSTOM DISABILITY SOLUTIONS
    
    
    
    SYMETRA LIFE INSURANCE COMPANYBy:
    
    /s/ Paul K. Fields
    
    
    
    By:
    
    /s/ Marcus Wright
 Name:
    
    Paul K. Fields
    
    
    
    Name:
    
    Marcus Wright
 Title:
    
    CFO
    
    
    
    Title:
    
    Group Operations Director, AVP
 Date:
    
    9/26/2008
    
    
    
    Date:
    
    September 17, 2008




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##### 



APPENDIX A-l
 AGREEMENT YEAR 2000
 January 1, 2000 to December 31, 2000
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 1




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##### 



APPENDIX A-2
 AGREEMENT YEAR 2001
 January 1, 2001 to December 31, 2001
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 2




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##### 



APPENDIX A-3
 AGREEMENT YEAR 2002
 January 1, 2002 to December 31, 2002
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 3




---



##### 



APPENDIX A-4
 AGREEMENT YEAR 2003
 January 1, 2003 to December 31, 2003
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 4




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##### 



APPENDIX A-5
 AGREEMENT YEAR 2004
 January 1, 2004 to December 31, 2004
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 5




---



##### 



APPENDIX A-6
 AGREEMENT YEAR 2005
 January 1, 2005 to December 31, 2005
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONUNUM Life
Insurance Company of America
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 6




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##### 



APPENDIX A-7
 AGREEMENT YEAR 2006
 January 1, 2006 to December 31, 2006
  DOLLAR
    
    PERCENTAGEMEMBER REINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance
Standard Life Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 7




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##### 



APPENDIX A-8
 AGREEMENT YEAR 2007
 January 1, 2007 to December 31, 2007
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 8




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##### 



APPENDIX A-9
 AGREEMENT YEAR 2008
 January 1, 2008 to December 31, 2008
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 9




---



##### 



APPENDIX A-10
 AGREEMENT YEAR 2009
 January 1, 2009 to December 31, 2009
  MEMBER
    
    DOLLAR
    
    PERCENTAGEREINSURER
    
    PARTICIPATION
    
    PARTICIPATIONReliance Standard Life
Insurance Company
    
    $
    30,000
    
    
    
    100.0
    %TOTAL AUTHORIZED
PARTICIPATION
    
    $
    30,000
    
    
    
    100.0
    %
 10




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##### 



APPENDIX A-11
 AGREEMENT YEAR 2010
   Dollar
    
    
    PercentageReinsurer
    
    Participation
    
    
    ParticipationReliance Standard Life Insurance Company
    
    $
    30,000
    
    
    
    100
    %TOTAL AUTHORIZED PARTICIPATION
    
    $
    30,000
    
    
    
    100
    %
 11