Document:

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|                SERVICE REQUEST |
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                                                                   EXHIBIT 10(c)

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     P   L   A   T   I   N   U   M
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                          INVESTOR
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            THE UNITED STATES LIFE
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PLATINUM INVESTOR--FIXED DIVISION                                   Neuberger Berman Advisers Management Trust
     .  Division 148 - USL Declared Fixed Interest Account          ------------------------------------------
                                                                         .  Division 184 - Mid-Cap Growth
PLATINUM INVESTOR--VARIABLE DIVISIONS
AIM Variable Insurance Funds                                        North American Funds Variable Product Series I
----------------------------                                        ----------------------------------------------
     .  Division 150 - AIM V.I. International Equity                     .  Division 152 - International Equities
     .  Division 151 - AIM V.I. Value                                    .  Division 153 - MidCap Index
                                                                         .  Division 149 - Money Market
American Century Variable Portfolios, Inc.                               .  Division 167-  Nasdaq-100 Index
------------------------------------------                               .  Division 168 - Science & Technology
     .  Division 166 - VP Value                                          .  Division 169 - Small Cap Index
                                                                         .  Division 154 - Stock Index
Ayco Series Trust
-----------------                                                   PIMCO Variable Insurance Trust
     .  Division 250 - Ayco Large Cap Growth Fund I                 ------------------------------
                                                                         .  Division 186 - PIMCO Real Return Bond
Dreyfus Investment Portfolios                                            .  Division 185 - PIMCO Short-Term Bond
-----------------------------                                            .  Division 187 - PIMCO Total Return Bond
     .  Division 251 - MidCap Stock
                                                                    Putnam Variable Trust
Dreyfus Variable Investment Fund                                    ---------------------
--------------------------------                                         .  Division 161 - Putnam VT Diversified Income
     .  Division 156 - Quality Bond                                      .  Division 162 - Putnam VT Growth and Income
     .  Division 155 - Small Cap                                         .  Division 163 - Putnam VT Int'l Growth and Income

Fidelity Variable Insurance Products Fund                           SAFECO Resource Series Trust
-----------------------------------------                           ----------------------------
     .  Division 255 - VIP Asset Manager                                 .  Division 164 - Equity
     .  Division 254 - VIP Contrafund                                    .  Division 165 - Growth Opportunities
     .  Division 252 - VIP Equity-Income
     .  Division 253 - VIP Growth                                   The Universal Institutional Funds, Inc.
                                                                    ---------------------------------------
Janus Aspen Series - Service Shares                                      .  Division 159 - Equity Growth
------------------------------------                                     .  Division 160 - High Yield
     .  Division 258 - Aggressive Growth
     .  Division 256 - International Growth                         Vanguard Variable Insurance Fund
     .  Division 257 - Worldwide Growth                             --------------------------------
                                                                         .  Division 188 - High Yield Bond
J.P. Morgan Series Trust II                                              .  Division 189 - REIT Index
---------------------------
     .  Division 179 - J.P. Morgan Small Company                    Van Kampen Life Investment Trust
                                                                    --------------------------------
MFS Variable Insurance Trust                                             .  Division 158 - Strategic Stock
----------------------------
     .  Division 181 - MFS Capital Opportunities                    Warburg Pincus Trust
     .  Division 157 - MFS Emerging Growth                          --------------------
     .  Division 182 - MFS New Discovery                                 .  Division 190 - Small Company  Growth
     .  Division 180 - MFS Research

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USL 8993 REV 0900
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 COMPLETE AND RETURN THIS REQUEST TO:            THE UNITED STATES LIFE INSURANCE COMPANY
         Administrative Center                        IN THE CITY OF NEW YORK ("USL")
 PO Box 4880 Houston, TX 77210-4880                 Administrative Center: Houston, TX
           (800) 251-3720
Hearing Impaired (TDD): (888) 436-5258
     Toll-Free Fax: (877) 445-3098             VARIABLE UNIVERSAL LIFE INSURANCE SERVICE REQUEST

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  [_]  POLICY                  1. | POLICY #:_________________________________ INSURED:_____________________________________________
       IDENTIFICATION             | ADDRESS:________________________________________________________________ New Address (yes) (no)
    COMPLETE THIS SECTION FOR     | Primary Owner (if other than an insured):_______________________________
         ALL REQUESTS.            | Address:________________________________________________________________ New Address (yes) (no)
                                  | Primary Owner's S.S. No.or Tax I.D. No.______________ Phone Number:(   )_____-_________________
                                  | Joint Owner (if applicable):___________________________________________________________________
                                  | Address:________________________________________________________________ New Address (yes) (no)
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  [_]  NAME                    2. | Change Name Of: (Circle One)    Insured    Owner   Payor   Beneficiary
       CHANGE                     |
Complete this section if the name | Change Name From: (First, Middle, Last)               Change Name To: (First, Middle, Last)
 of the Insured, Owner, Payor or  | __________________________________________________    __________________________________________
Beneficiary has changed. (Please  |
 note, this does not change the   | Reason for Change: (Circle One) Marriage Divorce Correction Other (Attach copy of legal proof)
     Insured, Owner, Payor or     |
     Beneficiary designation)     |
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  [_]  CHANGE IN               3. | INVESTMENT DIVISION               PREM % DED %  INVESTMENT DIVISION               PREM %  DED %
       ALLOCATION                 | (148) USL DECLARED FIXED INTEREST                NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST
       PERCENTAGES                |       ACCOUNT                       _____ _____  (184) Mid-Cap Growth             ______  ______
  Use this section to indicate    |
     how premiums or monthly      | AIM VARIABLE INSURANCE FUNDS                     NORTH AMERICAN FUNDS VARIABLE PRODUCT SERIES I
 deductions are to be allocated.  | (150) AIM V.I. International Equity _____ _____  (152) International Equities     ______  ______
 Total allocation in each column  | (151) AIM V.I. Value                _____ _____  (153) MidCap Index               ______  ______
     must equal 100%; whole       |                                                  (149) Money Market               ______  ______
         numbers only.            | AMERICAN CENTURY VARIABLE PORTFOLIOS, INC.       (167) Nasdaq-100 Index           ______  ______
                                  | (166) VP Value                      _____ _____  (168) Science & Technology       ______  ______
                                  |                                                  (169) Small Cap Index            ______  ______
                                  | AYCO SERIES TRUST                                (154) Stock Index                ______  ______
                                  | (250) Ayco Large Cap Growth Fund I  _____ _____
                                  |                                                  PIMCO VARIABLE INSURANCE TRUST
                                  | DREYFUS INVESTMENT PORTFOLIOS                    (186) PIMCO Real Return Bond     ______  ______
                                  | (251) MidCap Stock                  _____ _____  (185) PIMCO Short-Term Bond      ______  ______
                                  |                                                  (187) PIMCO Total Return Bond    ______  ______
                                  | DREYFUS VARIABLE INVESTMENT FUND
                                  | (156) Quality Bond                  _____ _____  PUTNAM VARIABLE TRUST
                                  | (155) Small Cap                     _____ _____  (161) Putnam VT Diversified Income_____  ______
                                                                                     (162) Putnam VT Growth and Income______  ______
                                  | FIDELITY VARIABLE INSURANCE PRODUCTS FUND        (163) Putnam VT Int'l Growth and
                                  | (255) VIP Asset Manager             _____ _____        Income                     ______  ______
                                  | (254) VIP Contrafund                _____ _____
                                  | (252) VIP Equity-Income             _____ _____  SAFECO RESOURCE SERIES TRUST
                                  | (253) VIP Growth                    _____ _____  (164) Equity                     ______  ______
                                  |                                                  (165) Growth Opportunities       ______  ______
                                  | JANUS ASPEN SERIES - SERVICE SHARES
                                  | (258) Aggressive Growth             _____ _____  THE UNIVERSAL INSTITUTIONAL FUNDS, INC.
                                  | (256) International Growth          _____ _____  (159) Equity Growth              ______  ______
                                  | (257) Worldwide Growth              _____ _____  (160) High Yield                 ______  ______
                                  |
                                  | J.P MORGAN SERIES TRUST II                       VANGUARD VARIABLE INSURANCE FUND
                                  | (179) J.P Morgan Small Company      _____ _____  (188) High Yield Bond            ______  ______
                                  |                                                  (189) REIT Index                 ______  ______
                                  | MFS VARIABLE INSURANCE TRUST
                                  | (181) MFS Capital Opportunities     _____ _____  VAN KAMPEN LIFE INVESTMENT TRUST
                                  | (157) MFS Emerging Growth           _____ _____  (158) Strategic Stock            ______  ______
                                  | (182) MFS New Discovery             _____ _____
                                  | (180) MFS Research Division         _____ _____  WARBURG PINCUS TRUST
                                  |                                                  (190) Small Company Growth       ______  ______
                                  |
                                  |                                                  OTHER:_______________________    ______  ______
                                  |                                                                                    100%    100%
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USL 8993 REV 0900                                              PAGE 2 OF 5
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  [_]  MODE OF                 4. | Indicate frequency and premium amount desired: $______ Annual $_____ Semi-Annual $____ Quarterly
       PREMIUM                    |                                                $_____ Monthly (Bank Draft Only)
       PAYMENT/BILLING            |
       METHOD CHANGE              | Indicate billing method desired: _____Direct Bill  _____Pre-Authorized Bank Draft (attach a
  Use this section to change the  |                                                         Bank Draft Authorization Form and
 billing frequency and/or method  |                                                         "Void"  Check)
  of premium payment.  Note,      |
however, that USL will not bill   | Start Date: ________/ _______/ _________
   you on a direct monthly basis. |
 Refer to your policy and its     |
 related prospectus for further   |
 information concerning minimum   |
  premiums and billing options.   |
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  [_]  LOST POLICY             5. | I/we hereby certify that the policy of insurance for the listed policy has been
       CERTIFICATE                |  ______LOST ______DESTROYED ______OTHER.
Complete this section if applying |
for a Certificate of Insurance or | Unless I/we have directed cancellation of the policy, I/we request that a:
 duplicate policy to replace a    |
 lost or misplaced policy. If a   |             _______Certificate of Insurance at no charge
 full duplicate policy is being   |
requested, a check or money order |             _______Full duplicate policy at a charge of $25
 for S25 payable to USL must be   |
  submitted with this request.    | be issued to me/us. If the original policy is located, I/we will return the Certificate
                                  | or duplicate policy to AGL for cancellation.
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  [_]  DOLLAR COST             6. | Designate the day of the month for transfers: _______(choose a day from 1-28)
       AVERAGING                  | Frequency of transfers (check one): _____Monthly _____Quarterly _____Semi-Annually _____Annually
     ($5,000 minimum initial      | I want: $________________ ($100 minimum) taken from the Money Market Division (149) and
accumulation value) An amount may | transferred to the following Divisions:
be deducted periodically from the |
Money Market Division and placed  | AIM VARIABLE INSURANCE FUNDS                    NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST
 in one or more of the Divisions  | (150) AIM V.I. International Equity   $_______  (184) Mid-Cap Growth                    $_______
              listed.             | (151) AIM V.I. Value                  $_______
     The USL Declared Fixed       |                                                 NORTH AMERICAN FUNDS VARIABLE PRODUCT SERIES I
Interest Account is not available | AMERICAN CENTURY VARIABLE PORTFOLIOS, INC.      (152) International Equities            $_______
    for Dollar Cost Averaging.    | (166) VP Value                        $_______  (153) Midcap Index                      $_______
 Please refer to the prospectus   |                                                 (167) Nasdaq-100 Index                  $_______
   for more information on the    | AYCO SERIES TRUST                               (168) Science & Technology              $_______
  Dollar Cost Averaging Option.   | (250) Ayco Large Cap Growth Fund I    $_______  (169) Small Cap Index                   $_______
                                  |                                                 (154) Stock Index                       $_______
                                  | DREYFUS INVESTMENT PORTFOLIOS
                                  | (251) Midcap Stock                    $_______  PIMCO VARIABLE INSURANCE TRUST
                                  |                                                 (186) PIMCO Real Return Bond            $_______
                                  | DREYFUS VARIABLE INVESTMENT FUND                (185) PIMCO Short-Term Bond             $_______
                                  | (156) Quality Bond                    $_______  (187) PIMCO Total Return Bond           $_______
                                  | (155) Small Cap                       $_______
                                  |                                                 PUTNAM VARIABLE TRUST
                                  | FIDELITY VARIABLE INSURANCE PRODUCTS FUND       (161) Putnam VT Diversified Income      $_______
                                  | (255) VIP Asset Manager               $_______  (162) Putnam VT Growth and Income       $_______
                                  | (254) VIP Contrafund                  $_______  (163) Putnam VT Int'l Growth and Income $_______
                                  | (252) VIP Equity-Income               $_______
                                  | (253) VIP Growth                      $_______   SAFECO RESOURCE SERIES TRUST
                                  |                                                  (164) Equity                           $_______
                                  | JANUS ASPEN SERIES - SERVICE SHARES              (165) Growth Opportunities             $_______
                                  | (258) Aggressive Growth               $_______
                                  | (256) International Growth            $_______   THE UNIVERSAL INSTITUTIONAL FUNDS, INC.
                                  | (257) Worldwide Growth                $_______   (159) Equity Growth                    $_______
                                  |                                                  (160) High Yield                       $_______
                                  | J.P. MORGAN SERIES TRUST II
                                  | (179) J.P. Morgan Small Company       $_______   VANGUARD VARIABLE INSURANCE FUND
                                  |                                                  (188) High Yield Bond                  $_______
                                  | MFS VARIABLE INSURANCE TRUST                     (189) REIT Index                       $_______
                                  | (181) MFS Capital Opportunities       $_______
                                  | (157) MFS Emerging Growth             $_______   VAN KAMPEN LIFE INVESTMENT TRUST
                                  | (182) MFS New Discovery               $_______   (158) Strategic Stock                  $_______
                                  | (180) MFS Research Division           $_______
                                  |                                                  WARBURG PINCUS TRUST
                                  |                                                  (190) Small Company Growth             $_______
                                  |
                                  |                                                  OTHER:_____________________________    $_______
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USL 8993 REV 0900                                              PAGE 3 OF 5
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 [_]  CORRECT AGE              7. | Name of Insured for whom this correction is submitted:__________________________________________
 Use this section to correct the  |
 age of any person covered under  |
this policy. Proof of the correct | Correct DOB: _________/____________ /_____________
date of birth must accompany this |
            request.              |
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 [_]  TRANSFER OF              8. |                                     (DIVISION NAME OR NUMBER)         (DIVISION NAME OR NUMBER)
      ACCUMULATED                 |
      VALUES                      | Transfer $_______ or _______% from ____________________________ to _____________________________
  Use this section if you want to |
   move money between divisions.  | Transfer $_______ or _______% from ____________________________ to _____________________________
Withdrawals from the USL Declared |
   Fixed Interest Account are     | Transfer $_______ or _______% from ____________________________ to _____________________________
  limited to 60 days after the    |
  policy anniversary and to no    | Transfer $_______ or _______% from ____________________________ to _____________________________
   more than 25% of the total     |
   unloaned value of the USL      | Transfer $_______ or _______% from ____________________________ to _____________________________
 Declared Fixed Interest Account  |
 on the policy anniversary. If a  | Transfer $_______ or _______% from ____________________________ to _____________________________
 transfer causes the balance in   |
   any division to drop below     | Transfer $_______ or _______% from ____________________________ to _____________________________
  $500 USL reserves the right     |
to transfer the remaining balance.| Transfer $_______ or _______% from ____________________________ to _____________________________
 Amounts to be transferred should |
    be indicated in dollar or     | Transfer $_______ or _______% from ____________________________ to _____________________________
  percentage amounts, maintaining |
     consistency throughout.      | Transfer $_______ or _______% from ____________________________ to _____________________________
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  [_]  AUTOMATIC               9. |
       REBALANCING                | Indicate frequency: ________Quarterly ________Semi-Annually ________Annually
   ($5,000 minimum accumulation   |
 value) Use this section to apply |              (DIVISION NAME OR NUMBER)                        (DIVISION NAME OR NUMBER)
      for or make changes to      |
   Automatic Rebalancing of the   | _________%:___________________________________      ________%:________________________________
 variable divisions. Please refer |
    to the prospectus for more    | _________%:___________________________________      ________%:________________________________
   information on the Automatic   |
       Rebalancing Option.        | _________%:___________________________________      ________%:________________________________
  This option is not available    |
      while the Dollar Cost       | _________%:___________________________________      ________%:________________________________
   Averaging Option is in use.    |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  | _________%:___________________________________      ________%:________________________________
                                  |
                                  |
                                  | ________  INITIAL HERE TO REVOKE AUTOMATIC REBALANCING ELECTION.
                                  |
                                  |
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USL 8993 REV 0900                                                   PAGE 4 OF 5
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 [_]  REQUEST FOR             10. |
      PARTIAL                     | ______I request a partial surrender of $_____ or _____% of the net cash surrender value.
      SURRENDER/                  | ______I request a loan in the amount of $_____.
      POLICY LOAN                 | ______I request the maximum loan amount available from my policy.
 Use this section to apply for a  |
 partial surrender from or policy |
 loan against policy values. For  | Unless you direct otherwise below, proceeds are allocated according to the deduction allocation
 detailed information concerning  | percentages in effect, if available; otherwise they are taken pro-rata from the USL Declared
these two options please refer to | Fixed Interest Account and Variable Divisions in use.
   your policy and its related    |
  prospectus. If applying for a   | ________________________________________________________________________________________________
  partial surrender be sure to    |
complete the Notice of Withholding| ________________________________________________________________________________________________
 section of this Service Request  |
  in addition to this section.    | ________________________________________________________________________________________________
                                  |
                                  | ________________________________________________________________________________________________
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 [_]  NOTICE OF               11. | The taxable portion of the distribution you receive from your variable universal life insurance
      WITHHOLDING                 | policy is subject to federal income tax withholding unless you elect not to have withholding
Complete this section it you have | apply. Withholding of state income tax may also be required by your state of residence. You may
 applied for a partial surrender  | elect not to have withholding apply by checking the appropriate box below. If you elect not to
        in Section 10.            | have withholding apply to your distribution or if you do not have enough income tax withheld,
                                  | you may be responsible for payment of estimated tax. You may incur penalties under the
                                  | estimated tax rules, if your withholding and estimated tax are not sufficient.
                                  |
                                  | Check one: ________I DO want income tax withheld from this distribution.
                                  |
                                  |            ________I DO NOT want income tax withheld from this distribution.
                                  |
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 [_]  AFFIRMATION/            12. | CERTIFICATION: UNDER PENALTIES OF PERJURY, I CERTIFY: (1) THAT THE NUMBER SHOWN ON THIS FORM IS
      SIGNATURE                   | MY CORRECT TAXPAYER IDENTIFICATION NUMBER AND; (2) THAT I AM NOT SUBJECT TO BACKUP WITHHOLDING
   Complete this section for      | UNDER SECTION 3406(a)(1)(C) OF THE INTERNAL REVENUE CODE.
         ALL requests.            | THE INTERNAL REVENUE SERVICE DOES NOT REQUIRE YOUR CONSENT TO ANY PROVISION OF THIS DOCUMENT
                                  | OTHER THAN THE CERTIFICATION REQUIRED TO AVOID BACKUP WITHHOLDING.
                                  |
                                  |
                                  |
                                  | Dated at_______________this___________day of______________________________________,__________
                                  |
                                  |
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF OWNER                                SIGNATURE OF WITNESS
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF JOINT OWNER                          SIGNATURE OF WITNESS
                                  |
                                  | X______________________________________________   X__________________________________________
                                  |  SIGNATURE OF ASSIGNEE                             SIGNATURE OF WITNESS
                                  |
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USL 8993 REV 0900                                              PAGE 5 OF 5
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                                                                 EXHIBIT (10)(D)

   DESCRIPTION OF THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW
              YORK'S ISSUANCE, TRANSFER AND REDEMPTION PROCEDURES
                FOR VARIABLE UNIVERSAL LIFE INSURANCE POLICIES
                     PURSUANT TO RULE 6E-3(T)(B)(12)(III)
                    UNDER THE INVESTMENT COMPANY ACT OF 1940
                          PREPARED AS OF MAY 1, 2001

     Set forth below is the information called for under Rule 6e-
3(T)(b)(12)(iii) under the Investment Company Act of 1940 ("1940 Act").  That
rule provides an exemption for separate accounts, their investment advisers,
principal underwriters and sponsoring insurance companies from Sections 22(c),
22(d), 22(e), and 27(c)( 1) of the 1940 Act, and Rule 22(c)-1 promulgated
thereunder, for issuance, transfer and redemption procedures under flexible
premium variable life insurance policies to the extent necessary to comply with
Rule 6e-3(T), state administrative law or established administrative procedures
of the life insurance company.  In order to qualify for the exemption,
procedures must be reasonable, fair and not discriminatory and they must be
disclosed in the registration statement filed by the separate account.

     Net premiums received by The United States Life Insurance Company in the
City of New York ("USL") under its flexible premium variable universal life
insurance policies (the "Policies") are invested in Separate  Account USL VL-R
(the "Account") of USL.  The Account is registered under the 1940 Act.  Within
the Account are investment divisions.  New investment divisions may be added.
Procedures apply equally to each investment division and for purposes of this
description are defined in terms of the Account, except where a discussion of
both the Account and its investment divisions is necessary.  Each current
investment division invests in shares of a corresponding portfolio from among 41
funds (individually, a "Fund," and collectively, the "Funds"), each a "series"
type of mutual fund registered under the 1940 Act.  The investment experience of
the current investment divisions of the Account depends upon the market
performance of the corresponding Fund portfolios.  Although the Policies may
also provide for fixed benefits supported by USL's General Account, except as
otherwise explicitly stated herein, this description assumes that net premiums
are allocated exclusively to the Account and that all transactions involve only
the investment divisions of the Account.

     USL believes its procedures meet the requirements of Rule 6e-
3(T)(b)(12)(iii) and states the following:

     1.   Because of the insurance nature of the Policies and due to the
requirements of state insurance laws, the procedures necessarily differ in
significant respects from procedures for mutual funds and contractual plans for
which the 1940 Act was designed.

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     2.   In structuring its procedures to comply with Rule 6e-3(T) and state
insurance laws, USL has attempted to comply with the intent of the 1940 Act to
the extent deemed feasible.

     3.   In general, state insurance laws require that USL's procedures be
reasonable, fair and not discriminatory.

     4.   Because of the nature of the insurance product, it is often difficult
to determine precisely when USL's procedures deviate from those required under
Sections 22(c), 22(d), 22(e) or 27(c)(1) of the 1940 Act or Rule 22c-1
thereunder.  Accordingly, set out below is a summary of the principal policy
provisions and procedures which may be deemed to constitute, either directly or
indirectly, such a deviation.  The summary, while extensive, does not attempt to
treat each and every procedure or variation which might occur and does include
certain procedural steps which do not constitute deviations from the above-cited
sections or rule.

I.   "PUBLIC OFFERING PRICE":  PURCHASE AND RELATED TRANSACTIONS --SECTION 22(d)
AND RULE 22c-1

     This section outlines those principal Policy provisions and administrative
procedures which might be deemed to constitute, either directly or indirectly, a
"purchase" transaction.  Because of the insurance nature of the Policies, the
procedures involved necessarily differ in certain significant respects from the
purchase procedures for mutual funds and contractual plans.  The chief
differences revolve around the structure of the cost of insurance charges and
the insurance underwriting (i.e., evaluation of risk) process.  There are also
certain Policy provisions--such as reinstatement and loan repayment -- which do
not result in the issuance of a Policy but which require certain payments by the
Policy owner and involve a transfer of assets supporting the Policy reserve into
the Account.

     a.   INSURANCE CHARGES AND UNDERWRITING STANDARDS

     Cost of insurance charges for USL's Policies will not be the same for all
Policy owners.  The chief reason is that the principle of pooling and
distribution of mortality risks is based upon the assumption that each Policy
owner pays a cost of insurance charge commensurate with the insured's mortality
risk which is actuarially determined based upon factors such as age, sex and
risk class of the insured and the face amount size band of the Policy.  In the
context of life insurance, a uniform mortality charge (the "cost of insurance
charge") for all insureds would discriminate unfairly in favor of those insureds
representing greater mortality risks to the disadvantage of those representing
lesser risks.  Accordingly, although there will be a uniform "public offering
price" for all Policy owners, because premiums are flexible and amounts
allocated to the Account will be subject to the same charges as described
above), there will be a different "price" for each actuarial category of Policy
owners because different cost of insurance rates will apply.  The "price" will
also vary based on net amount at risk.  The Policies will be offered and sold
pursuant to this cost of insurance schedule and USL's underwriting standards and
in accordance with state insurance laws.  Such laws prohibit unfair
discrimination among insureds, but recognize that premiums must be based upon
factors such

                                       2
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as age, sex, health and occupation. A table showing the maximum cost of
insurance charges will be delivered as part of the Policy.

     b.   APPLICATION AND INITIAL PREMIUM PROCESSING

     Upon receipt of a completed application from a prospective Policy owner,
USL will follow certain insurance underwriting (i.e., evaluation of risks)
procedures designed to determine whether the proposed insured is insurable.
This process may involve such verification procedures as medical examinations
and may require that further information be provided by the proposed Policy
owner before a determination can be made.  A Policy cannot be issued, i.e.,
physically issued through USL's computerized issue system, until this
underwriting procedure has been completed.

     The date as of which the application is approved and insurance coverage of
the proposed insured is effective is referred to as the "effective date".  The
effective date is the earlier of the date a Policy is actually issued ("issue
date") and the day USL receives the full initial premium.  The effective date
represents the first day of the Policy year and therefore determines the Policy
anniversary.  It marks the commencement of the variability of benefits, except
as noted below.  The initial net premium is allocated to the Account as of the
later of the effective date and the date USL receives the premium payment.  USL
has established a lockbox in Houston, Texas to receive premium payments.  The
lockbox process does not affect the timing of the effective date.  (There may be
occasions when USL has received the initial premium and the effective date has
been established, but other necessary documents have not been received.)  The
initial net premium is allocated to the Money Market division until the first
business day 15 days after the issue date, regardless of the Policy owner's
premium allocation instructions.  The issue date represents the commencement of
the suicide and contestability periods for purposes of the Policies.  The
effective date is the date when cost of insurance charges and other charges
start accruing even if they are collected at the issue date, if later.

     USL will require that the Policy is delivered within a specific delivery
period to protect itself against anti-selection by the prospective Policy owner
resulting from a determination of the health of the proposed insured.
Generally, the period will not exceed the shorter of 30 days from the date the
Policy is issued and 75 days from the date of Part 2 of the Application.

     c.   ANNIVERSARY AND PREMIUM PROCESSING

     At each monthly anniversary, USL will credit the unloaned portion of the
declared fixed interest account with any interest accrued on loan amounts during
the previous Policy month. Charges against the cash value for administrative
expenses,  additional benefits and cost of insurance charges will also be made.
These deductions cover the cost of the Policy for the next month.

     Net premiums are credited to the cash value as of the date the premium
payments are received by USL.  The initial net premium is allocated to the Money
Market division until 15 days after the issue date, regardless of the Policy
owner's premium allocation instructions. Net premiums

                                       3
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are equal to the gross premiums minus deductions for applicable state and local
taxes and sales expenses.

     Premium payments may be made at any time and for any amount, within certain
limits. Premium payments may not be more than those allowed under the Internal
Revenue Code for the Policy to continue to qualify as life insurance.  USL makes
deductions from each premium for sales expenses (a percent of each premium paid
during any Policy year until total premiums for that Policy year equal the
target premium for the particular Policy) and for any applicable premium tax,
the amount of which varies from jurisdiction to jurisdiction.

     d.   REINSTATEMENT

     If the Policy has lapsed, it may be reinstated while the insured person is
alive if the Policy owner 1) requests reinstatement within 3 years from the end
of the grace period (some forms of the Policies are longer), 2) provides
satisfactory evidence of insurability and 3) makes a premium payment sufficient
to keep the Policy in force generally for at least 3 months after reinstatement.
The effective date of the reinstated Policy will be the beginning of the Policy
month which coincides with or next follows the date USL approves the
reinstatement application.  Upon reinstatement, the maximum surrender charge for
the Policy will be reduced by the amount of all surrender charges previously
imposed on the Policy, and for purposes of determining any future surrender
charges on the Policy, the Policy will be deemed to have been in effect since
the original effective date.  No previous indebtedness will be reinstated.

     e.   REPAYMENT OF LOAN

     A loan made under the Policy may be repaid with an amount equal to the
original loan plus loan interest.

     f.   CORRECTION OF MISSTATEMENT OF AGE OR SEX

     If USL discovers that the age or sex of the insured has been misstated, the
death benefit and any rider benefits will be those which would be purchased by
the most recent deduction for the cost of insurance and the cost of rider
benefits at the correct age and sex.

     g.   CONTESTABILITY

     The Policy is contestable for two years, measured from the issue date,
during the lifetime of the insured for material misstatements made in the
initial application for the Policy.  Policy changes (including Policy increases)
may be contested for two years after the effective date of the change, and a
reinstatement for two years after the effective date of the reinstatement.  No
statement will be used to contest a Policy unless it is contained in an
application.  USL may not be restricted by the foregoing time limitations in the
event of fraud.

                                       4
<PAGE>

     h.   REDUCTION IN COST OF INSURANCE RATE CLASSIFICATION

     By administrative practice, USL will reduce the cost of insurance rate
classification for an outstanding Policy if new evidence of insurability
demonstrates that the Policy owner qualifies for a lower classification.  After
the reduced rating is determined, the Policy owner will pay a lower monthly cost
of insurance charge each month.

II.  "REDEMPTION PROCEDURES":  SURRENDER AND RELATED TRANSACTIONS

     This section will outline those procedures which differ in certain
significant respects from redemption procedures for mutual funds and contractual
plans.  USL's Policies provide for the payment of monies to a Policy owner or
beneficiary upon presentation of a Policy.  Generally, except for the payment of
death benefits, the imposition of cost of insurance, administrative and
transaction charges and the effects of the surrender charge, the payee will
receive a pro rata or proportionate share of the Account's assets within the
meaning of the 1940 Act in any transaction involving "redemption procedures."
The amount received by the payee will depend upon the particular benefit for
which the Policy is presented, including, for example, the cash surrender value
or death benefit. There are also certain Policy provisions -- such as partial
withdrawals and the loan privilege -- under which the Policy will not be
presented to USL but which will affect the Policy owner's benefits and may
involve a transfer of the assets supporting the Policy reserve out of the
Account.  Any combined transactions on the same day which counteract the effect
of each other will be allowed.  USL will assume the Policy owner is aware of the
conflicting nature of these transactions and desires their combined result.  In
addition, if a transaction is requested which USL will not allow (for example, a
request for a decrease in face amount which lowers the face amount below USL's
minimum) USL will reject the whole request and not just the portion which causes
the disallowance.  Policy owners will be informed of the rejection and will have
an opportunity to give new instructions.  Finally, state insurance laws may
require that certain requirements be met before USL is permitted to make
payments to the payee.

     a.   SURRENDER FOR CASH VALUES

     USL will pay the net cash surrender value within seven days after receipt,
at its Administrative Center, of the Policy and a signed request for surrender
in form satisfactory to USL. Computations with respect to the investment
experience of each investment division will be made at the close of trading on
the composite tape on each business day.  This will enable USL to pay a net cash
value on surrender as of the date a request for surrender and the Policy are
received based on the next computed value after a request is received.  The
surrender is effective on the date USL receives the request at its
Administrative Center and insurance coverage ends on that day.

     The cash value (which is equal to the cash surrender value plus any
applicable surrender charge) may increase or decrease from day to day depending
on the investment experience of the Account.  Calculation of the cash value for
any given day will reflect the actual premiums paid, expenses charged and
deductions taken.

                                       5
<PAGE>

     If a Policy is totally surrendered USL will pay the Policy owner an amount
equal to the net cash surrender value of the Policy.  The net cash surrender
value of a Policy is equal to the cash surrender value of the Policy less the
amount of any outstanding Policy loan and accrued interest. The cash surrender
value of a Policy will equal the amount of the cash value less the surrender
charge.  USL will make the payment of net cash surrender value out of its
General Account and, at the same time, transfer assets from the Account to the
General Account in an amount equal to the Policy reserves in the Account for the
surrendered Policy, or the portion of the face amount that was reduced.

     In lieu of payment of the net cash surrender value in a single sum upon
surrender of a Policy, an election may be made to apply all or a portion of the
proceeds under one of the fixed benefit payment options then offered by USL.

     The Policy contains a partial withdrawal feature after the first Policy
year, subject to a minimum withdrawal amount and other conditions.  Any request
for a partial withdrawal must be in writing to USL's Administrative Center, and
will take effect as of the day it is received.  A partial withdrawal will reduce
the death benefit, cash value and cash surrender value associated with the
Policy by the amount of the withdrawal plus a charge for administrative expenses
associated with it.  The Policy after such a withdrawal must meet minimum face
amount requirements and must continue to qualify as life insurance under
applicable tax law.

     b.   DEATH CLAIMS

     USL will pay a death benefit to the beneficiary within seven days after
receipt, at its Administrative Center, of the Policy, due proof of death of the
insured, and all other requirements necessary to make payment./1/

     The death benefit payable will depend on the option in effect at the time
of death.  Under Option 1, the death benefit is the greater of the face amount
of insurance and a percentage multiple of the accumulation value.  Under Option
2, the death benefit is the greater of the face amount of insurance plus the
accumulation value and a percentage multiple of the accumulation value.  The
percentage referred to is the applicable percentage from the following table for
the insured person's age (as of his or her nearest birthday) at the beginning of
the Policy year of determination.

     The proceeds payable to the beneficiary will be adjusted to reflect any
outstanding indebtedness and any overdue monthly charges if death occurs during
the grace period described below under "Default and Options on Lapse."  The
proceeds payable on death also reflect interest from the date of death to the
date of payment.

-----------------
     /1/ State insurance laws impose various requirements, such as receipt of a
tax waiver, before payment of the death benefit may be made. In addition,
payment of the death benefit is subject to the provisions of the Policies
regarding suicide and incontestability.

                                       6
<PAGE>

     USL will make payment of the death benefit out of its General Account, and
will transfer assets from the Account to the General Account in an amount equal
to the reserve for that Policy in the Account.  The excess, if any, of the death
benefit over the amount transferred will be paid out of the General Account
reserve maintained for that purpose.

     In lieu of payment of the death benefit in a single sum, a settlement
option may be selected as described immediately above with respect to cash
surrender values.

     c.   DEFAULT AND OPTIONS ON LAPSE

     The duration of insurance coverage depends upon the net cash surrender
value of a Policy being sufficient to cover the monthly charges.  If the net
cash surrender value at the beginning of a month is less than the charges for
that month, a grace period of 6l days will begin.  Written notice will be sent
to the Policy owner and any assignee on USL's records stating that such a grace
period has begun and giving the approximate amount of premium payment necessary
to cover three monthly deductions.  If this amount is not received during the
grace period, any amount of cash value will be withdrawn and applied to
applicable charges and the Policy will end without value.  If the insured should
die during the grace period, an amount sufficient to cover the overdue monthly
charges and other charges will be deducted from the death benefit.

     d.   POLICY LOAN

     USL's Policies provide that a Policy owner may take a loan of up to 100% of
the cash surrender value (with certain reductions based on the form of Policy)
upon assignment to USL of the Policy as sole security.  The cash surrender value
for this purpose will be that next computed after receipt, at USL's
Administrative Center, of a signed loan request.  Payment of the loan out of
USL's General Account will be made to the Policy owner within seven days after
such receipt.

     Interest on a loan accrues daily at an effective annual interest rate which
is adjusted annually.  A rate will be determined as of the beginning of each
Policy year and will apply to a new or outstanding loan during that Policy year.
The maximum annual loan interest rate for a Policy year will generally be no
greater than 4.50%.

     Loan interest is due on each Policy anniversary.  If not paid when due, it
is added to the existing indebtedness and bears interest at the loan rate.
Failure to repay a loan will not necessarily terminate the Policy.  If the net
cash surrender value of the Policy is not sufficient to cover the monthly
charges for the cost of insurance and administrative expenses, the Policy will
go into a 61-day grace period, as described above.

     e.   TRANSFERS AMONG DIVISIONS

     Amounts may be transferred, upon request, at any time from any investment
division of the Account to one or more other divisions of the Account.  The
minimum amount allowed for a

                                       7
<PAGE>

transfer is the lesser of the minimum amount shown in a Policy (usually $500)
and the total value in the investment division. The first 12 transfers in any
Policy year are free of charge; however, USL may make a charge for additional
transfers in a Policy year of up to $25.

     Transfer charges, if any, will be subtracted equally among the divisions
from which transfers are made.

     Transfers from an investment division of the Account will take effect as of
the receipt of a request at USL's Administrative Center.

     f.   RIGHT OF WITHDRAWAL PROCEDURES

     The Policy provides that the Policy owner may cancel it by returning the
Policy along with a written request for cancellation to USL's Administrative
Center by 10 days after the Policy owner receives the Policy.  The Policy owner
will receive a refund equal to the premium payments made under the Policy, or
the premium plus (or minus) investment earnings.

                                       8

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