Document:

Automatic and Facultative Reinsurance Agreement (Coinsurance Basis)

 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(g) 
 AUTOMATIC AND FACULTATIVE 
 REINSURANCE AGREEMENT 

(COINSURANCE BASIS) 
 Effective May 1, 2002 
 Between 

KANSAS CITY LIFE INSURANCE COMPANY 
 (“Ceding Company”) 
 3520 Broadway 

Kansas City, Missouri 64111-2565 
 And 
 SECURITY LIFE OF DENVER INSURANCE COMPANY 

(“Reinsurer”) 
 Security Life Center 
 1290 Broadway 

Denver, Colorado 80203-5699 
 Reinsurer Agreement No. 0252-3153 
 TAI TREATY #SLTQS7 

Effective 05-01-02       

Dd5d-3153 
 0252-3153 
 COIN(IOI52001) 

 AUTOMATIC AND FACULTATIVE REINSURANCE AGREEMENT 

(COINSURANCE BASIS) 
 This Agreement is between 
 KANSAS CITY LIFE INSURANCE COMPANY, 

3520 Broadway, Kansas City, Missouri 64111-2565 
 And 
 SECURITY LIFE OF DENVER INSURANCE COMPANY, 

Security Life Center, 1290 Broadway, Denver, Colorado 80203-5699. 
 The Reinsurer agrees to reinsure certain portions of the Ceding Company’s contract risks as described in the terms and conditions of this Agreement, which includes any attached Schedules and
Exhibits. 
 This reinsurance Agreement constitutes the entire Agreement between the parties with respect to the business being reinsured
hereunder and there are no understandings between the parties other than as expressed in this Agreement. 
 Any change or modification to this
Agreement is null and void unless made by written amendment to this Agreement and signed by both parties. 
 In witness of the above, the Ceding
Company and the Reinsurer have by their respective officers executed and delivered this Agreement in duplicate on the dates indicated below, with an effective date of May 1, 2002. 

 

									
	 KANSAS CITY LIFE
 INSURANCE COMPANY
	 		 	 SECURITY LIFE OF DENVER
 INSURANCE COMPANY

					
	By:	 	 /s/ Donald C Remfert
	 		 	By:	 	 /s/ Jim Koher

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	Executive Director
					
	Date:	 	7/25/03	 		 	Date:	 	7/31/03
					
	By:	 	 /s/ David L Metzler
	 		 	By:	 	 /s/ Lloyd M Spencer

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	Vice President
					
	Date:	 	7/25/03	 		 	Date:	 	August 1, 2003

 AUTOMATIC AND FACULTATIVE REINSURANCE AGREEMENT 

(COINSURANCE BASIS) 
 Table of Contents 
  

									
	1.	 	PARTIES TO AGREEMENT	  	 	4	  
			
	2.	 	COINSURANCE BASIS	  	 	4	  
			
	3.	 	AUTOMATIC REINSURANCE TERMS	  	 	4	  
		 	a.	  	CONVENTIONAL UNDERWRITING	  	 	4	  
		 	b.	  	RETAINED AMOUNT	  	 	5	  
		 	c.	  	REINSURERS’ AUTOMATIC ACCEPTANCE LIMITS	  	 	5	  
		 	d.	  	AUTOMATIC IN FORCE AND APPLIED FOR LIMIT	  	 	5	  
		 	e.	  	RESIDENCE	  	 	5	  
		 	f.	  	MINIMUM CESSION	  	 	5	  
		 	g.	  	NO PRIOR FACULTATIVE SUBMISSIONS	  	 	5	  
			
	4.	 	AUTOMATIC REINSURANCE NOTICE PROCEDURE	  	 	5	  
			
	5.	 	FACULTATIVE REINSURANCE	  	 	5	  
			
	6.	 	COMMENCEMENT OF REINSURANCE COVERAGE	  	 	6	  
		 	a.	  	AUTOMATIC REINSURANCE	  	 	6	  
		 	b.	  	FACULTATIVE REINSURANCE	  	 	6	  
		 	e.	  	PRE-ISSUE COVERAGE	  	 	6	  
			
	7.	 	BASIS OF REINSURANCE AMOUNT AND NET COINSURANCE PREMIUMS	  	 	7	  
		 	a.	  	LIFE REINSURANCE	  	 	7	  
		 	b.	  	SUPPLEMENTAL BENEFITS	  	 	7	  
		 		  	 i. WAIVER OF PREMIUM
	  	 	7	  
		 	c.	  	COINSURANCE ALLOWANCES	  	 	7	  
		 	d.	  	TERM INSURANCE RENEWALS	  	 	7	  
		 	e.	  	TABLE RATED SUBSTANDARD PREMIUMS	  	 	7	  
		 	f.	  	FLAT EXTRA PREMIUMS	  	 	7	  
		 	g.	  	COINSURANCE PREMIUM AND COINSURANCE ALLOWANCE ADJUSTMENTS	  	 	7	  
			
	8.	 	PAYMENT OF NET COINSURANCE PREMIUMS	  	 	8	  
		 	a.	  	NET COINSURANCE PREMIUM DUE	  	 	8	  
		 	b.	  	FAILURE TO PAY NET COINSURANCE PREMIUMS	  	 	8	  
		 	c.	  	OVERPAYMENT OF NET COINSURANCE PREMIUM	  	 	8	  
		 	d.	  	UNDERPAYMENT OF NET COINSURANCE PREMIUM	  	 	8	  
		 	e.	  	RETURN OF NET COINSURANCE PREMIUM	  	 	8	  
		 	f.	  	UNEARNED NET COINSURANCE PREMIUMS	  	 	9	  
			
	9.	 	PREMIUM TAX REIMBURSEMENT	  	 	9	  
			
	10.	 	DAC TAX AGREEMENT	  	 	9	  
			
	11.	 	REPORTS	  	 	9	  

									
	12.	 	RESERVES FOR REINSURANCE.	  	 	10	  
			
	13.	 	DEATH AND DISABILITY WAIVER OF PREMIUM CLAIMS	  	 	10	  
		 	a.	  	NOTICE OF DEATH	  	 	10	  
		 	b.	  	PROOFS	  	 	10	  
		 	c.	  	DEATH CLAIMS PAYABLE	  	 	10	  
		 	d.	  	AMOUNT AND PAYMENT OF DEATH CLAIMS	  	 	10	  
		 	e.	  	CONTESTED CLAIMS	  	 	10	  
		 	f.	  	CLAIM EXPENSES	  	 	11	  
		 	g.	  	EXTRACONTRACTUAL DAMAGES	  	 	11	  
			
	14.	 	POLICY CHANGES	  	 	11	  
		 	a.	  	NOTICE	  	 	11	  
		 	b.	  	INCREASES	  	 	11	  
		 	c.	  	REDUCTION OR TERMINATION	  	 	12	  
		 	d.	  	RISK CLASSIFICATION CHANGES	  	 	12	  
			
	15.	 	TERM CONVERSIONS, EXCHANGES AND REPLACEMENTS	  	 	12	  
		 	a.	  	NOTICE	  	 	12	  
		 	b.	  	TERM CONVERSIONS	  	 	12	  
		 	c.	  	EXCHANGES AND REPLACEMENTS	  	 	13	  
			
	16.	 	POLICYHOLDER REINSTATEMENTS	  	 	13	  
		 	a.	  	AUTOMATIC REINSTATEMENT	  	 	13	  
		 	b.	  	FACULTATIVE REINSTATEMENT	  	 	13	  
		 	c.	  	PREMIUM ADJUSTMENT	  	 	13	  
			
	17.	 	INCREASE IN MAXIMUM DOLLAR RETENTION LIMITS AND RECAPTURE	  	 	13	  
		 	a.	  	NEW BUSINESS	  	 	13	  
		 	b.	  	RECAPTURE	  	 	14	  
			
	18.	 	ERROR AND OMISSION	  	 	15	  
			
	19.	 	INSOLVENCY	  	 	15	  
			
	20.	 	ARBITRATION	  	 	16	  
		 	a.	  	GENERAL	  	 	16	  
		 	b.	  	NOTICE	  	 	16	  
		 	c.	  	PROCEDURE	  	 	16	  
			
	21.	 	OFFSET	  	 	17	  
			
	22.	 	GOOD FAITH; FINANCIAL SOLVENCY	  	 	17	  
			
	23.	 	TREATMENT OF CONFIDENTIAL INFORMATION	  	 	17	  
			
	24.	 	TERM OF THIS AGREEMENT AND TERMINATION	  	 	17	  
			
	25.	 	MEDICAL INFORMATION BUREAU	  	 	18	  
			
	26.	 	SEVERABILITY	  	 	18	  
			
	27.	 	SURVIVAL.	  	 	18	  
			
	28.	 	NON-WAIVER.	  	 	18	  

 Listing of Schedules: 
 SCHEDULE A - COVERAGE AND LIMITS 

	 	1.	Plans Reinsured 

	 	2.	Reinsurance Amount 

	 	3.	Ceding Company’s Maximum Dollar Retention Limits 

	 	4.	Reinsurers’ Automatic Acceptance Limits 

	 	5.	Automatic in Force and Applied for Limits 

	 	6.	Premium Due 

	 	7.	Recapture Period 

	 	8.	Net Amount at Risk 

	 	9.	Reserves 

 SCHEDULE B - NET COINSURANCE
PREMIUMS 

	 	1.	Automatic Net Coinsurance Premiums - Life 

	 	2.	Automatic Net Coinsurance Premiums - Supplemental Benefits 

	 	3.	Age Basis 

	 	4.	Rates After Exercise of Term Conversion Option 

	 	B-I:	Standard Annual Coinsurance Premiums  

 Kansas City Life 10 and 20 Year Term Premium Rates 

	 	B-II:	Coinsurance Allowances 

Kansas City Life 10 & 20 Year Term Allowances 

	 	B-III:	Disability Waiver of Premium Benefit Coinsurance Premiums  

 Kansas City Life 10 and 20 Year Term Premium Rates-Waiver of Premium 

	 	B-IV:	Rates After Exercise of Term Conversion Option 

 Reinsurance Rates After Conversion 
 SCHEDULE C - REPORTING INFORMATION 

Information on Risks Reinsured 
 Sample Policy Exhibit Summary 
 Sample Reserve Credit Summary 

Sample Accounting Summary 

SCHEDULE D - FACULTATIVE FORMS 
 Application for Reinsurance 
 Notification of Reinsurance 

EXHIBIT I - CEDING COMPANY’S UNDERWRITING GUIDELINES 

  
 iii

 AUTOMATIC AND FACULTATIVE REINSURANCE AGREEMENT 

(COINSURANCE BASIS) 
  

	1.	PARTIES TO AGREEMENT. 

This Agreement is solely between the Reinsurer and the Ceding Company. There is no third party beneficiary to this Agreement. Reinsurance
under this Agreement will not create any right nor legal relationship between the Reinsurer and any other person, for example, any insured, policyowner, agent, beneficiary, assignee, or other reinsurer. The Ceding Company agrees that it will not
make the Reinsurer a party to any litigation between any such third party and the Ceding Company. The Ceding Company and the Reinsurer will not disclose the other’s name to these third parties with regard to the agreements or transactions that
are between the Ceding Company and the Reinsurer, unless the Ceding Company or the Reinsurer gives prior written approval for the use of its own name. 
 The terms of this Agreement are binding upon the parties, their representatives, successors, and assigns. The parties to this Agreement are bound by ongoing and continuing obligations and liabilities
until this Agreement terminates for new business and the underlying policies are no longer in force, whichever occurs later. This Agreement shall not be bifurcated, partially assigned, or partially assumed. 

 

	2.	COINSURANCE BASIS. 

 This
Agreement, including the attached Schedules, states the terms and conditions of automatic and facultative reinsurance which will be on a coinsurance basis. This Agreement is applicable only to reinsurance of policies directly written by the Ceding
Company. Any policies acquired through merger with another company, reinsurance, or purchase of another company’s policies are not included under the terms of this Agreement. 

 

	3.	AUTOMATIC REINSURANCE TERMS. 

 The Ceding Company agrees to cede and the Reinsurer agrees to automatically accept contractual risks on the life insurance plans and supplemental benefits shown in Section 1 of Schedule A, subject to
the following requirements: 
  

	 	a.	CONVENTIONAL UNDERWRITING. 

Automatic reinsurance applies only to insurance applications underwritten by the Ceding Company with conventional underwriting and issue
practices that are consistently applied. Conventional underwriting and issue practices are those customarily used and generally accepted by life insurance companies. 
 Some examples of non-customary underwriting practices that are not acceptable for automatic reinsurance under this Agreement are table shaving programs, guaranteed issue, any form of simplified
underwriting, short-form applications, any form of non-customary non-medical underwriting, limits, or internal or external policy exchanges that do not require conventional underwriting. 

Some examples of unacceptable issue practices that are not acceptable for automatic reinsurance under this Agreement are the issuance of a
policy that has contestability or suicide clauses with time limitations that are shorter than the maximum allowed by state law and policy exchanges, replacements or term conversions resulting from policies not originally reinsured by the Reinsurer.

 The Ceding Company must comply with Underwriting Guidelines at least as restrictive as those
set forth in Exhibit I. 
  

	 	b.	RETAINED AMOUNT. 

 The
Ceding Company will retain, and not otherwise reinsure, an amount of insurance on each life equal to its quota share percentage amount of the policy as set forth in Section 2.a. of Schedule A. If the Ceding Company’s retained quota share
percentage amount is zero, automatic reinsurance is not available. 
  

	 	c.	REINSURERS’ AUTOMATIC ACCEPTANCE LIMITS. 

 On any one life, the amount automatically reinsured under all agreements with all reinsurers will not exceed the Reinsurers’ Automatic Acceptance Limits shown in Section 4 of Schedule A.

  

	 	d.	AUTOMATIC IN FORCE AND APPLIED FOR LIMIT. 

 The total amount of life insurance in force and applied for on any one life, with all companies, of which the Ceding Company is aware, cannot exceed the In Force and Applied For Limit shown in
Section 5 of Schedule A. 
  

	 	e.	RESIDENCE. 

 Each insured
must be a resident of the United States or Canada at the time of issue. 
  

	 	f.	MINIMUM CESSION. 

 The
minimum amount of reinsurance per cession that the Reinsurer will accept is $5,000.00 and reinsurance of a cession will be terminated when the amount reinsured is less than $5,000.00. 

 

	 	g.	NO PRIOR FACULTATIVE SUBMISSIONS. 

 The risk will not have been submitted on a facultative basis to the Reinsurer or any other reinsurer. 
  

	4.	AUTOMATIC REINSURANCE NOTICE PROCEDURE. 

 After the policy has been paid for and delivered, the Ceding Company will submit all relevant individual policy information, as defined in Schedule C, in its next statement to the Reinsurer. 

 

	5.	FACULTATIVE REINSURANCE. 

The Ceding Company may apply for facultative reinsurance with the Reinsurer on a risk if the automatic reinsurance terms are not met, or
if the terms are met and it prefers to apply for facultative reinsurance. If the Ceding Company wishes to obtain a facultative quote from other reinsurers on a risk eligible for automatic reinsurance, the risk will also be submitted to the Reinsurer
for a facultative offer. The following items must be submitted to obtain a facultative quote: 
  

	 	a.	A form substantially similar to the Reinsurer’s “Application for Reinsurance” form shown in Schedule D. 

 

	 	b.	Copies of the original insurance application, medical examiner’s reports, financial information, and all other papers and information obtained by the Ceding
Company regarding the insurability of the risk. 

  

	 	c.	The initial and ultimate risk amounts requested. 

 After receipt of the Ceding Company’s application, the Reinsurer will promptly examine the materials and notify the Ceding Company either of the terms and conditions of the Reinsurer’s offer for
facultative reinsurance or that no offer will be made. The Reinsurer’s offer expires 120 days after the offer is made, unless the written offer specifically states otherwise. If the Ceding Company accepts the Reinsurer’s offer, then the
Ceding Company will note its acceptance in its underwriting file and mail, as soon as possible but no later than 90 days, a formal reinsurance cession to the Reinsurer using a form substantially similar to the “Notification of Reinsurance”
form shown in Schedule D. If the Ceding Company does not accept the Reinsurer’s offer, then the Ceding Company will notify the Reinsurer in writing, as soon as possible. 

 

	6.	COMMENCEMENT OF REINSURANCE COVERAGE. 

 Commencement of the Reinsurer’s reinsurance coverage on any policy or pre-issue risk under this Agreement is described below: 

 

	 	a.	AUTOMATIC REINSURANCE. 

The Reinsurer’s reinsurance coverage for any policy that is ceded automatically under this Agreement will begin and terminate
simultaneously with the Ceding Company’s contractual liability for the policy reinsured, unless otherwise terminated in accordance with the terms of this Agreement. 

 

	 	b.	FACULTATIVE REINSURANCE. 

The Reinsurer’s reinsurance coverage for any policy that is ceded facultatively under this Agreement will begin when the Ceding
Company has accepted the Reinsurer’s offer for facultative reinsurance. 
 Reinsurer’s reinsurance coverage for any
policy that is ceded facultatively under this Agreement will terminate simultaneously with the Ceding Company’s contractual liability for the policy reinsured, unless otherwise terminated in accordance with the terms of this Agreement.

  

	 	c.	PRE-ISSUE COVERAGE. 

 For
facultative policies, the Reinsurer will not be liable for benefits paid under the Ceding Company’s conditional receipt or temporary insurance agreement until the Ceding Company has accepted the Reinsurer’s offer for facultative
reinsurance coverage. After such time, and for automatic policies meeting all of the conditions for automatic reinsurance coverage under Article 3 of this Agreement, the Reinsurer will be liable for benefits paid under the Ceding Company’s
conditional receipt or temporary insurance agreement. The Reinsurer’s liability under the Ceding Company’s conditional receipt or temporary insurance agreement is limited to the lesser of i. or ii. below: 

 

	 	i.	The Reinsurer’s share of the Reinsurers’ Automatic Acceptance Limits as shown in Section 4 of Schedule A. 

 

	 	ii.	The amount for which the Ceding Company is liable less the amount the Ceding Company retained pursuant to Section 2.a of Schedule A, less any amount of reinsurance
with other reinsurers. 

 The pre-issue liability applies only once on any given life regardless of how many receipts
were issued or initial premiums were accepted by the Ceding Company. After a policy has been issued, no reinsurance benefits are payable under this pre-issue coverage provision. 

In the event that the Ceding Company’s rules with respect to cash handling and the issuance of conditional receipt or temporary
insurance are not followed, the Reinsurer will participate in the liability if the conditions set forth above are met and the Ceding Company does not knowingly allow such rules to be violated or condone such a practice. Such liability will be
limited to the lesser of i or ii above. As in all cases, the provisions of Article 13 apply to such a claim. 
  

	7.	BASIS OF REINSURANCE AMOUNT AND NET COINSURANCE PREMIUMS 

  

	 	a.	LIFE REINSURANCE. 

Reinsurance will be on a first dollar quota share basis. The amount reinsured on a risk will be as set forth in Section 2 of Schedule
A. The Net Amount at Risk and the Reinsurer’s Net Amount at Risk are defined in Section 8 of Schedule A. The coinsurance premiums per $1000 are shown in Section l.a of Schedule B. 

 

	 	b.	SUPPLEMENTAL BENEFITS. 

For the supplemental benefits reinsured under this Agreement, the following provisions will apply: 

 

	 	i.	WAIVER OF PREMIUM. 

 The
reinsurance benefit is the premium waived on a policy for the amount reinsured with the Reinsurer. Coinsurance premiums for this benefit are shown in Section 2 of Schedule B. 

 

	 	c.	COINSURANCE ALLOWANCES. 

When the Ceding Company pays the coinsurance premiums to the Reinsurer, the Reinsurer will pay to the Ceding Company a coinsurance
allowance determined by multiplying the coinsurance allowance percentages specified in Section l.a of Schedule B times the coinsurance premium. The coinsurance premium less the coinsurance allowance is equal to the net coinsurance premium, and is
the amount due from the Ceding Company to the Reinsurer. 
  

	 	d.	TERM INSURANCE RENEWALS. 

Coinsurance premiums for term renewals are calculated using the original issue age, duration since issuance of the original policy and the
original underwriting classification. 
  

	 	e.	TABLE RATED SUBSTANDARD PREMIUMS. 

 If the Ceding Company’s policy is issued with a table rated substandard premium, the coinsurance premiums shown in Section 1 .b of Schedule B will apply. 

 

	 	f.	FLAT EXTRA PREMIUMS. 

 If
the Ceding Company’s policy is issued with a flat extra premium, the coinsurance premiums shown in Section 1 .c of Schedule B will apply. 
  

	 	g.	COINSURANCE PREMIUM AND COINSURANCE ALLOWANCE ADJUSTMENTS. 

  

	 	i.	If the Ceding Company increases the current policyowner premiums, the Reinsurer reserves the right not to increase the coinsurance allowances. Occurrence of this event
does not constitute a right for the Ceding Company to recapture the reinsured business. 

  

	 	ii.	If the Ceding Company decreases the current policyowner premiums, the Reinsurer reserves the right to decrease the coinsurance allowances such that the net coinsurance
premium paid by the Ceding Company to the Reinsurer remains unchanged. 

  

	8.	PAYMENT OF NET COINSURANCE PREMIUMS. 

  

	 	a.	NET COINSURANCE PREMIUM DUE. 

 Net coinsurance premiums for each reinsurance cession are due as shown in Section 6 of Schedule A. 
  

	 	b.	FAILURE TO PAY NET COINSURANCE PREMIUMS. 

 If net coinsurance premiums are 60 days past due, for reasons other than those due to error or omission as defined below in Article 18, the premiums will be considered in default and the Reinsurer may
terminate the reinsurance coverage upon 30 days prior written notice to the Ceding Company. The Reinsurer will have no further liability as of the termination date. The Ceding Company will be liable for the prorated net coinsurance premiums to the
termination date. The Ceding Company agrees that it will not force termination under the provisions of this paragraph to avoid the recapture requirements or to transfer the block of business reinsured to another reinsurer. 

 

	 	c.	OVERPAYMENT OF NET COINSURANCE PREMIUM. 

 If the Ceding Company overpays a net coinsurance premium and the Reinsurer accepts the overpayment, the Reinsurer’s acceptance will not constitute nor create a reinsurance liability nor result in any
additional reinsurance coverage. Instead, the Reinsurer will be liable to the Ceding Company for a credit in the amount of the overpayment, without interest. 
  

	 	d.	UNDERPAYMENT OF NET COINSURANCE PREMIUM. 

 If the Ceding Company fails to make a full net coinsurance premium payment for a policy or policies reinsured hereunder, due to an error or omission as defined below in Article 18, the amount of
reinsurance coverage provided by the Reinsurer will not be reduced. However, once the underpayment is discovered, the Ceding Company will be required to pay to the Reinsurer the difference between the full premium amount and the amount actually
paid, without interest. If payment of the full premium is not made within 60 days after the discovery of the underpayment, the underpayment will be treated as a failure to pay premiums and subject to the conditions of Article 8.b., above.

  

	 	e.	RETURN OF NET COINSURANCE PREMIUM. 

 If a misrepresentation or misstatement on an application or a death of an insured by suicide results in the Ceding Company returning the policy owner premiums to the policy owner rather than pay the
policy benefits, the Reinsurer will refund all of the net coinsurance premiums it received on that policy to the Ceding Company, without interest. 
 This refund given by the Reinsurer will be in lieu of all other reinsurance benefits payable on the policy under this Agreement. If there is an adjustment to the policy benefits due to a misrepresentation
or misstatement of age or sex, a corresponding adjustment will be made to the reinsurance benefits. 

  

	 	f.	UNEARNED NET COINSURANCE PREMIUMS. 

 Unearned net coinsurance premiums will be returned on deaths, surrenders and other terminations. This refund will be on a prorated basis without interest from the date of termination of the policy to the
date through which a net coinsurance premium has been paid. 
  

	9.	PREMIUM TAX REIMBURSEMENT. 

The Reinsurer will not reimburse the Ceding Company for premium taxes. 

 

	10.	DAC TAX AGREEMENT. 

 The
Ceding Company and the Reinsurer hereby enter into an election under Treasury Regulations Section 1.848-2(g) (8) whereby: 
  

	 	a.	For each taxable year under this Agreement, the party with the net positive consideration, as defined in the regulations promulgated under Treasury Code
Section 848, will capitalize specified policy acquisition expenses with respect to this Agreement without regard to general deductions limitation of Section 848 (c) (1); 

 

	 	b.	The Ceding Company and the Reinsurer agree to exchange information pertaining to the net consideration under this Agreement each year to ensure consistency or as
otherwise required by the Internal Revenue Service; 

  

	 	c.	The Ceding Company will submit to the Reinsurer by May 1 of each year its calculation of the net consideration for the preceding calendar year. This schedule of
calculations will be accompanied by a statement signed by an officer of the Ceding Company stating that the Ceding Company will report such net consideration in its tax return for the preceding calendar year; 

 

	 	d.	The Reinsurer may contest such calculation by providing an alternative calculation to the Ceding Company in writing within 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 will report the net consideration as determined by the Ceding Company in the Reinsurer’s tax return for the previous calendar year;

  

	 	e.	If the Reinsurer contests the Ceding Company’s calculation of the net consideration, the parties will act in good faith to reach an agreement as to the correct
amount within 30 days of the date the Reinsurer submits its alternative calculation. If the Ceding Company and the Reinsurer reach agreement on the net amount of consideration, each party will report such amount in their respective tax returns for
the previous calendar year. 

 Both Ceding Company and Reinsurer represent and warrant that they are subject to
U.S. taxation under either Subchapter L of Chapter 1, or Subpart F of Subchapter N of Chapter 1 of the Internal Revenue Code of 1986, as amended. 
  

	11.	REPORTS. 

 The
administering party will be the Ceding Company. The reporting period will be monthly. For each reporting period, the Ceding Company will submit a statement to the Reinsurer with information that is substantially similar to the information
displayed in Schedule C. The statement will include information 

 
on the risks reinsured with the Reinsurer, net coinsurance premiums owed, policy exhibit activity, and an accounting summary. Within 7 days after the end of each calendar quarter, the Ceding
Company will submit a reserve credit summary similar to that shown in Schedule C. 
  

	12.	RESERVES FOR REINSURANCE. 

Statutory reserves will be held by the Reinsurer on the Reinsurer’s portion of the risks reinsured hereunder and are defined pursuant
to Section 9 of Schedule A. 
  

	13.	DEATH AND DISABILITY WAIVER OF PREMIUM CLAIMS. 

  

	 	a.	NOTICE OF DEATH. 

 The
Ceding Company will notify the Reinsurer, as soon as reasonably possible, after it receives notice of a death claim or premium waiver disability claim arising from a death or disability of an insured under a policy reinsured. 

 

	 	b.	PROOFS. 

 The Ceding
Company will promptly provide the Reinsurer with proper death or disability claim proofs including, for example, proofs required under the policy, all relevant information respecting the existence and validity of the death or disability claim, and
an itemized statement of the death or disability claim benefits paid by the Ceding Company under the policy. 
  

	 	c.	DEATH CLAIMS PAYABLE. 

Death claims are payable only as a result of the actual death or for waiver of premium due to disability of an insured, to the extent
reinsured under this Agreement and for which there is contractual liability for the death or waiver of premium claim under the issuing company’s in force policy. Acceleration or estimation of death claims on living individuals is not permitted,
will not be due, owing or payable, nor will they form the basis of any claim against the Reinsurer whatsoever. 
  

	 	d.	AMOUNT AND PAYMENT OF DEATH CLAIMS. 

 After the Reinsurer receives proper death claim notice, proofs of the death or disability claim, and proof of payment of the death claim by the Ceding Company, the Reinsurer will promptly pay the
reinsurance benefits due and owing to the Ceding Company in one lump sum (or the Reinsurer will pay the Ceding Company its proportionate share of the waived premium on an annual basis). The Ceding Company’s contractual liability for death and
disability claims is binding on the Reinsurer. The maximum death benefit payable to the Ceding Company under each reinsured policy is the Reinsurer’s Net Amount at Risk as set forth in Section 8 of Schedule A. The Reinsurer will not be nor
become liable for any amounts or reserves to be held by the Ceding Company on policies reinsured under this Agreement. The total reinsurance in all companies on a policy will not exceed the Ceding Company’s total contractual liability on the
policy, less its amount retained on the policy. The excess, if any, of the total reinsurance in all companies plus Ceding Company’s retained amount on the policy over its contractual liability under the reinsured policy will first be applied to
reduce all reinsurance on the policy. This reduction in reinsurance will be shared among all the reinsurers in proportion to their respective amounts of reinsurance prior to the reduction. 

 

	 	e.	CONTESTED CLAIMS. 

 The
Ceding Company will notify the Reinsurer of its intention to contest, compromise, or litigate a claim involving a reinsured policy. If the Ceding Company’s contest, compromise, or 

  
 10 

 
litigation results in a reduction in its liability, the Reinsurer will share in the reduction in the proportion that the Reinsurer’s net liability bears to the sum of the net liability of
all reinsurers on the insured’s date of death. 
 If the Reinsurer should decline to participate in the contest, compromise
or litigation, the Reinsurer will then release all of its liability by paying the Ceding Company its full share of reinsurance death benefits for the policy and not sharing in any subsequent reduction in liability. 

 

	 	f.	CLAIM EXPENSES. 

 The
Reinsurer will pay its share of reasonable investigation and legal expenses connected with the litigation or settlement of contractual liability claims unless the Reinsurer has released its liability, in which case the Reinsurer will not participate
in any expenses after the date of release. However, claim expenses do not include routine claim and administration expenses, including the Ceding Company’s home office expenses. Also, expenses incurred in connection with a dispute or contest
arising out of conflicting claims of entitlement to policy proceeds or benefits that the Ceding Company admits are payable are not a claim expense under this Agreement. 

 

	 	g.	EXTRACONTRACTUAL DAMAGES. 

The Reinsurer will not participate in punitive or compensatory damages that are awarded as a result of an act, omission, or course of
conduct committed solely by the Ceding Company, its agents or representatives in connection with claims covered under this Agreement. The Reinsurer will, however, pay its share of statutory penalties awarded against the Ceding Company in connection
with nonpayment or late payment of claims covered under this Agreement if the Reinsurer participated in the claims decision of the coverage in question. For purposes of this Article the following definitions will apply: 

“Punitive Damages” are those damages awarded as a penalty, the amount of which is neither governed nor fixed by statute;

 “Compensatory Damages” are those amounts awarded to compensate for the actual damages sustained, and are not awarded
as a penalty, nor fixed in amount by statute; 
 “Statutory Penalties” are those amounts awarded as a penalty, but are
fixed in amount by statute. 
  

	14.	POLICY CHANGES. 

  

	 	a.	NOTICE. 

 If a reinsured
policy is changed, a corresponding change will be made in the reinsurance coverage for that policy. The Ceding Company will notify the Reinsurer of the change in the Ceding Company’s next accounting statement. 

 

	 	b.	INCREASES. 

 If life
insurance on a reinsured policy is increased and the increase is subject to new underwriting evidence, then the increase of life insurance on the reinsured policy will be handled the same as the issuance of a new policy. If the increase is not
subject to new underwriting evidence, and increases are scheduled and known at issue, then the increase will be automatically accepted by the Reinsurer, but the total amount of reinsurance is not to exceed the Reinsurer’s share of the
Reinsurers’ Automatic Acceptance Limits shown in Section 4 of Schedule A. Coinsurance premiums will be based on the original issue age, duration since issuance of the original policy and the original underwriting classification. Other
increases not subject to new underwriting evidence are not allowed under this Agreement. 

  
 11 

  

	 	c.	REDUCTION OR TERMINATION. 

If life insurance on a reinsured policy is reduced, then reinsurance will be reduced proportionately so that the portion reinsured, as
outlined in Schedule A, remains the same. If life insurance on a reinsured policy is terminated, then reinsurance will cease on the date of such termination. 
 Reductions and terminations are permitted only when the underlying policyholder directs such a reduction or termination of the issuing company policy that is in force at the time that the reductions and
terminations take place. 
  

	 	d.	RISK CLASSIFICATION CHANGES. 

 If a policyholder requests a Table Rating reduction or removal of a Flat Extra, such change will be underwritten according to the Ceding Company’s Underwriting Guidelines as set forth in Exhibit I.
Risk classification changes on facultative policies will be subject to the Reinsurer’s approval. 
  

	15.	TERM CONVERSIONS. EXCHANGES AND REPLACEMENTS. 

  

	 	a.	NOTICE. 

 If a policy
reinsured under this Agreement is converted, exchanged or replaced, as defined below in 15.b and 15.c, the Ceding Company will notify the Reinsurer of the change in the Ceding Company’s next accounting statement. Unless mutually agreed
otherwise in writing, policies that are not reinsured with the Reinsurer and that convert, exchange or replace to a plan covered under this Agreement will not be reinsured hereunder. 

 

	 	b.	TERM CONVERSIONS. 

 For
purposes of this Agreement, a term conversion is a contractual right of the insured to replace a term policy with a permanent plan without evidence of insurability. The Reinsurer will continue to reinsure policies resulting from a term conversion of
any policy reinsured under this Agreement, in an amount not to exceed the original amount reinsured hereunder. If the policy converts to a plan reinsured with the Reinsurer under either this Agreement or another Agreement, the reinsurance rates for
the converted policy will be the reinsurance rates contained in the Agreement that covers the plan to which the original policy is converting. If the policy converts to a plan not reinsured with the Reinsurer, the reinsurance will continue under
this Agreement on a yearly renewable term basis using the YRT conversion rates set forth in Section 4 of Schedule B. 

Reinsurance rates for term conversions will be point in scale (based on the original issue age, duration, and original underwriting class
since issuance of the original policy). The recapture period applicable to the original policy will govern the converted policy and duration will be measured from the effective date of the original policy. Reinsurer will not reimburse Ceding Company
for any conversion credits Ceding Company supplies to the insured. 
 If the term conversion results in an increase in risk
amount, the increase will be underwritten by the Ceding Company as new business and will be eligible for reinsurance coverage under this Agreement as new business. 

  
 12 

 When a conversion is fully underwritten, the resulting policy will be administered the same
as the issuance of a new policy. 
  

	 	c.	EXCHANGES AND REPLACEMENTS. 

 For purposes of this Agreement, an exchange or replacement is a new policy replacing an existing policy of the same type, where the new policy lacks at least one of the following characteristics: new
business underwriting, full first year commissions, new suicide period, or new contestable period. New policies resulting from exchanges or replacements in the insurance reinsured hereunder will continue to be ceded to the Reinsurer under this
Agreement, in an amount not to exceed the original amount reinsured hereunder. 
 Reinsurance rates for exchanges or replacements
will be those in effect at issuance of the original policy and will be point in scale (based on the original issue age, duration, and original underwriting class since issuance of the original policy). The recapture period applicable to the original
policy will govern the new policy and duration will be measured from the effective date of the original policy. 
 If an exchange
or replacement results in an increase in risk amount, the increase will be underwritten by the Ceding Company as new business and will be eligible for reinsurance coverage under this Agreement as new business. 

When an exchange or replacement is fully underwritten with new suicide and contestable periods and full first year commissions, the
resulting policy will be administered the same as the issuance of a new policy. 
  

	    	POLICYHOLDER REINSTATEMENTS. 

  

	 	a.	AUTOMATIC REINSTATEMENT. 

If the Ceding Company reinstates a policy that was originally ceded to the Reinsurer as automatic reinsurance using conventional
underwriting practices, the Reinsurer’s reinsurance for that policy will be reinstated. 
  

	 	b.	FACULTATIVE REINSTATEMENT. 

If the Ceding Company has been requested to reinstate a policy that was originally ceded to the Reinsurer as facultative reinsurance, the
Ceding Company will resubmit the case to the Reinsurer for underwriting approval before the reinsurance can be reinstated. 
  

	 	c.	PREMIUM ADJUSTMENT. 

Coinsurance premiums for the interval during which the policy was lapsed will be paid to the Reinsurer on the same basis as the Ceding
Company charged its policy owner for the reinstatement. 
  

	17.	INCREASE IN MAXIMUM DOLLAR RETENTION LIMITS AND RECAPTURE. 

  

	 	a.	NEW BUSINESS. 

 If the
Ceding Company increases its Maximum Dollar Retention Limits listed in Section 3 of Schedule A, then it may, at its option and with 90 days’ written notice to the Reinsurer, increase its Maximum Dollar Retention Limits shown in
Section 3 of Schedule A for policies issued after the effective date of the Maximum Dollar Retention Limit increase. 

  
 13 

 A change to the Ceding Company’s Maximum Dollar Retention Limits will not affect the
reinsured policies in force except as specifically provided in Article 1 7.b, below. Furthermore, unless agreed between the parties, an increase in Ceding Company’s Maximum Dollar Retention Limits will not effect an increase in the total risk
amount that it may automatically cede to the Reinsurer. 
  

	 	b.	RECAPTURE. 

 If the Ceding
Company increases its Maximum Dollar Retention Limits shown in Section 3 of Schedule A, then it may, with 90 days’ written notice to the Reinsurer, reduce or recapture the reinsurance in force subject to the following requirements:

  

	 	i.	An in-force cession is not eligible for recapture until it has been reinsured for the minimum number of years shown in Section 7 of Schedule A. The effective date
of the reduction in reinsurance will be the later of the first policy anniversary following the expiration of the 90-day notice period to recapture and the policy anniversary date when the required minimum number of years is attained.

  

	 	ii.	On all policies eligible for recapture, reinsurance will be reduced by the amount necessary to increase the total insurance retained up to the new Maximum Dollar
Retention Limits. 

  

	 	iii.	If more than one policy per life is eligible for recapture, then any recapture must be effected beginning with the policy with the earliest issue date and continuing in
chronological order according to the remaining policies’ issue dates. 

  

	 	iv.	The Ceding Company may not rescind its election to recapture for policies becoming eligible at future anniversaries. 

 

	 	v.	Recapture of reinsurance will not be allowed on any policy for which the Ceding Company did not keep its Maximum Dollar Retention Limit at issue. The Ceding
Company’s Maximum Dollar Retention Limits are stated in Section 3 of Schedule A. 

  

	 	vi.	If any policy eligible for recapture is also eligible for recapture from other reinsurers, the reduction in the Reinsurer’s reinsurance on that policy will be in
proportion to the total amount of reinsurance on the life with all reinsurers. 

  

	 	vii.	Recapture will not be made on a basis that may result in any anti-selection against the Reinsurer. The Reinsurer maintains the discretion to determine when
anti-selection has occurred. 

  

	 	viii.	Upon the effective date of recapture and again six months following the recapture, the Reinsurer will calculate a terminal accounting that will include a refund of
unearned premiums and unpaid claims. The Reinsurer will not pay to the Ceding Company any amount representing the reserve held on the business. Payment of amounts specified in the terminal accounting will be the Reinsurer’s full and final
payment to the Ceding Company. 

  
 14 

  

	18.	ERROR AND OMISSION. 

 Any
unintentional or accidental failure of the Ceding Company or the Reinsurer to comply with the terms of this Agreement which can be shown to be the result of an oversight, misunderstanding or clerical error, will not be deemed a breach of this
Agreement. Upon discovery, the error will be corrected so that both parties are restored to the position they would have occupied had the oversight, misunderstanding or clerical error not occurred. Should it not be possible to restore both parties
to such a position, the Ceding Company and the Reinsurer will negotiate in good faith to equitably apportion any resulting liabilities and expenses. 
 This Article applies only to oversights, misunderstandings or clerical errors relating to the administration of reinsurance covered by this Agreement. This provision does not apply to the administration
of the insurance provided by the Ceding Company to its insured or any other errors or omissions committed by the Ceding Company with regard to the policy reinsured hereunder. 

 

	19.	INSOLVENCY. 

 In the event
that the Ceding Company is deemed insolvent, all reinsurance death or disability claims payable hereunder will be payable by the Reinsurer directly to the Ceding Company, its liquidator, receiver or statutory successor, without diminution because of
the insolvency of the Ceding Company. It is understood, however, that in the event of such insolvency, the liquidator or receiver or statutory successor of the Ceding Company will give written notice to the Reinsurer of the pendency of a death or
disability claim against the Ceding Company on a risk reinsured hereunder within a reasonable time after such death or disability claim is filed in the insolvency proceeding. Such notice will indicate the policy reinsured and whether the death or
disability claim could involve a possible liability on the part of the Reinsurer. During the pendency of such death or disability claim, the Reinsurer may investigate such death or disability claim and interpose, at its own expense, in the
proceeding where such death or disability claim is to be adjudicated, any defense or defenses it may deem available to the Ceding Company, its liquidator, receiver or statutory successor. It is further understood that the expense thus incurred by
the Reinsurer will be chargeable, subject to court approval, against the Ceding Company as part of the expense of liquidation to the extent of a proportionate share of the benefit which may accrue to the Ceding Company solely as a result of the
defense undertaken by the Reinsurer. Where two or more reinsurers are participating in the same death or disability claim and a majority in interest (determined with respect to shares of Net Amount at Risk) elects to interpose a defense or defenses
to any such death or disability claim, the expense will be apportioned among the reinsurers in the same proportion that the reinsurer’s net liability bears to the sum of the net liability of all reinsurers on the insured’s date of death or
disability. 
 In the event of the insolvency of the Reinsurer, the Ceding Company may, upon giving 90 days written notice to the
Reinsurer, its liquidator, receiver or statutory successor, recapture all of the business reinsured under this Agreement, subject to a mutually agreed upon recapture fee. 
 For the purposes of this Agreement, the Ceding Company and the Reinsurer will be considered insolvent when the Insurance Commissioner of the applicable party’s state of domicile declares them to be
so. 

  
 15 

	20.	ARBITRATION. 

  

	 	a.	GENERAL. 

 Notwithstanding
any other provision, all disputes and other matters in question between the parties, arising out of, or relating to this Agreement, will be submitted exclusively to arbitration upon the written request of either party; except a party will not be
prevented from filing and prosecuting a suit in a court of competent jurisdiction solely for the purpose of obtaining equitable relief, including for example, but not limited to, injunction or enforcement of subpoenas. The disputes and matters
subject to arbitration include, but are not limited to disputes upon or after termination of this Agreement, and issues respecting the existence, scope, and validity of this Agreement. The arbitrators are to seek efficiencies in time and expense.
The arbitrators are not bound to comply strictly with the rules of evidence. The arbitration panel also has, for example, the authority to issue subpoenas to third parties compelling prehearing depositions, and for document production. The
arbitrators will have the authority to interpret this Agreement and, in doing so, will consider the customs and practices of the life insurance and life reinsurance industries. The arbitrators will consider this Agreement an honorable engagement
rather than merely a legal obligation, and they are relieved of all judicial formalities and may abstain from following the strict rules of law. 
  

	 	b.	NOTICE. 

 To initiate
arbitration, one of the parties will notify the other, in writing, of its desire to arbitrate. The notice will state the nature of the dispute and the desired remedies. The party to which the notice is sent will respond to the notification in
writing within 10 days of receipt of the notice. At that time, the responding party will state any additional dispute it may have regarding the subject of arbitration. 
  

	 	c.	PROCEDURE. 

 Arbitration
will be heard before a panel of three arbitrators. The arbitrators will be current or former executive officers of life insurance or life reinsurance companies other than either party or an affiliate of either party. Each party will appoint one
arbitrator. Notice of the appointment of these arbitrators will be given by each party to the other party within 30 days of the date of mailing of the notification initiating the arbitration. These two arbitrators will, as soon as possible, but no
longer than 45 days after the day of the mailing of the notification initiating the arbitration, then select the third arbitrator. In the event that either party should fail to choose an arbitrator within 30 days after the other party has given
notice of its arbitrator appointment, the party which has already appointed an arbitrator may choose an additional arbitrator, and the two will, in turn, choose a third arbitrator before entering arbitration. If the two arbitrators are unable to
agree upon the selection of a third arbitrator within 30 days following their appointment, each arbitrator will nominate three candidates within 10 days thereafter, two of whom the other will decline and the decision will be made by drawing lots.

 Once chosen, the three arbitrators will have the authority to decide all substantive and procedural issues by a majority
vote. The arbitrators will operate in a fair but cost efficient manner. For example, the arbitrators are not bound by technical rules of evidence and may limit the use of depositions and discovery. The arbitration hearing will be held on the date
fixed by the arbitrators at a location agreed upon by the parties. The arbitrators will issue a written decision from which there will be no appeal. Either party may reduce this decision to a judgment before any court that has jurisdiction of the
subject of the arbitration. 

  
 16 

 Each party will pay the fees of its own attorneys, the arbitrator appointed by that party,
and all other expenses connected with the presentation of its own case. The two parties will share equally in the cost of the third arbitrator. 
 The arbitration panel may, in its discretion, award attorneys’ fees, costs, expert witness fees, expenses and interest, all as it deems appropriate to the prevailing party. 

 

	21.	OFFSET. 

 All amounts due
or otherwise accrued to any of the parties hereto or any of their parents, affiliates, or subsidiaries, whether by reason of premiums, losses, expenses, or otherwise, under this Agreement or any other contract heretofore or hereafter entered into,
will at all times be fully subject to the right of offset and only the net balance will be due and payable. The right of offset will not be affected or diminished because of the insolvency of either party. 

 

	22.	GOOD FAITH; FINANCIAL SOLVENCY. 

 This Agreement is entered into in reliance on the utmost good faith of the parties including, for example, their warranties, representations and disclosures. It requires the continuing utmost good faith
of the parties, their representatives, successors, and assigns. This includes a duty of full and fair disclosure of all information respecting the formation and continuation of this contract and the business reinsured hereunder. Each party
represents and warrants to the other party that it is solvent on a statutory basis in all states in which it does business or is licensed. Each party agrees to promptly notify the other if it is subsequently financially impaired. 

In addition, the Ceding Company affirms that it has disclosed and will continue to disclose to the Reinsurer all matters material to this
Agreement, such as its underwriting and policy issues (rules, philosophies, practices, and management personnel), its financial condition, studies and reports on the business reinsured, and any change in its ownership or control. The Reinsurer or
its representatives have the right at any reasonable time to inspect the Ceding Company’s records relating to this Agreement. 
  

	23.	TREATMENT OF CONFIDENTIAL INFORMATION 

 Except for the purposes of carrying out this Agreement and as required by law, the Reinsurer will not disclose or use any non-public personally identifiable customer or claimant information
(“Customer/Claimant Information”) provided by the Ceding Company to the Reinsurer, as such Customer/Claimant Information is defined by the Gramm-Leach-Bliley Act and related regulations. Such Customer/Claimant Information will be shared
only with those entities with which the Reinsurer may, from time to time, contract in accordance with the fulfillment of the terms of this Agreement, including but not limited to the Reinsurer’s retrocessionaires and the Reinsurer’s
affiliates. 
  

	24.	TERM OF THIS AGREEMENT AND TERMINATION. 

 The Ceding Company will maintain and continue the reinsurance provided in this Agreement as long as the policy to which it relates is in force or has not been fully recaptured. This Agreement may be
terminated, without cause, for the acceptance of new reinsurance after 90 days written notice of termination by either party to the other. The Reinsurer will continue to accept reinsurance during this 90 day period. The Reinsurer’s acceptance
will be subject to both the terms of this Agreement and the Ceding Company’s payment of applicable reinsurance premiums. In addition, this Agreement may be terminated immediately for the acceptance of new reinsurance by either party if one of
the parties materially breaches this Agreement, or becomes insolvent or financially impaired. 

  
 17 

  

	25.	MEDICAL INFORMATION BUREAU. 

 The Reinsurer is required to strictly adhere to the Medical Information Bureau Rules, and the Ceding Company agrees to abide by these Rules, as amended from time to time. The Ceding Company will not
submit a preliminary notice, application for reinsurance, or reinsurance cession to the Reinsurer unless the Ceding Company has an authentic, signed preliminary or regular application for insurance in its home office and the current required Medical
Information Bureau authorization. 
  

	26.	SEVERABILITY. 

 In the
event that any court, arbitrator, or administrative agency determines any provision or term of this Agreement to be invalid, illegal or unenforceable, all of the other terms and provisions of this Agreement will remain in full force and effect to
the extent that their continuance is practicable and consistent with the original intent of the parties. However, in the event this Article is exercised and the Agreement no longer reflects the original intent of the parties, the parties agree to
attempt to renegotiate this Agreement in good faith to carry out its original intent. 
  

	27.	SURVIVAL. 

 All provisions
of this Agreement will survive its termination to the extent necessary to carry out the purposes of this Agreement or to ascertain and enforce the parties’ rights or obligations hereunder existing at the time of termination. 

 

	28.	NON-WAIVER. 

 No waiver by
either party of any violation or default by the other party in the performance of any promise, term or condition of this Agreement will be construed to be a waiver by such party of any other or subsequent default in performance of the same or any
other promise, term or condition of this Agreement. No prior transactions or dealings between the parties will be deemed to establish any custom or usage waiving or modifying any provision hereof. The failure of either party to enforce any part of
this Agreement will not constitute a waiver by such party of its right to do so, nor will it be deemed to be an act of ratification or consent. 

  
 18 

 SCHEDULE A 
 COVERAGE AND LIMITS 
  

	1.	PLANS REINSURED: 

 The policy
plans and supplemental benefits eligible for automatic and facultative reinsurance coverage are: 
  

			
	Plans	  	Plan Codes
	  10 Year Level Premium Term Plans	  	TT600
	  20 Year Level Premium Term Plans	  	TT700

 

	2.	REINSURANCE AMOUNT: 

  

	 	a.	Automatic Reinsurance: 

 The
Ceding Company will retain 10.0% of the Net Amount at Risk, as defined in Section 8 of Schedule A, up to the Ceding Company’s Maximum Dollar Retention Limits as shown in Section 3 of Schedule A, with the remaining amount to be ceded
to the pool. 
 Subject to the Reinsurers’ Automatic Acceptance Limits in Section 4 of Schedule A, the Reinsurer shall
reinsure 20.0% of the ceded Net Amount at Risk. 
  

	 	b.	Facultative Reinsurance. 

 The
Ceding Company’s amount and the Reinsurer’s amount of the Net Amount at Risk will be determined on a case-by-case basis for facultative cessions. 
  

	3.	CEDING COMPANY’S MAXIMUM DOLLAR RETENTION LIMITS: 

  

	 	a.	Life Insurance: 

  

					
	    Issue Ages        	  	
Standard - Table F

Flat Extras up to $0.15/$1000
	  	 Tables G and Over
 Flat Extras over $0.15/$1000

	0-65    	  	$350,000	  	$200,000
	66-80    
	  	$250,000	  	$100,000
	81+    	  	$100,000	  	$50,000

 

	 	b.	Disability Waiver of Premium Benefit: 

 The Disability Waiver of Premium Benefit will be reinsured in the same proportion as the base life policy. 

  
 19 

 SCHEDULE A, CONTINUED 
  

  

	4.	REINSURERS’ AUTOMATIC ACCEPTANCE LIMITS: 

 On each life, the amount automatically reinsured under all agreements with all reinsurers must not exceed the following: 
  

					
	    Issue Ages    	  	Standard - Table F	  	Tables G and Over
	0-65	  	$3,500,000	  	$2,000,000
	66-80	  	$2,500,000	  	$1,000,000
	81-85	  	$1,000,000	  	$ 500,000
	86+	  	Automatic reinsurance is not available.	  	Automatic reinsurance is not available.

 

	5.	AUTOMATIC IN FORCE AND APPLIED FOR LIMIT: 

 Life Insurance In Force and Applied For Limit: $25,000,000 
  

	6.	NET COINSURANCE PREMIUM DUE: 

Net coinsurance premiums are due annually in advance. These premiums are due on the issue date and each subsequent policy anniversary.

  

	7.	RECAPTURE PERIOD: 

 Recapture is
only allowed in accordance with Article 17.b of this Agreement. In accordance with Article 17.b, the Ceding Company may recapture existing business up to its new Maximum Dollar Retention Limits for business that has been in effect for 10 years or
for the length of the level term period of the reinsured product, whichever occurs later. 
  

	8.	NET AMOUNT AT RISK: 

 For
purposes of this Agreement, the Net Amount at Risk for a policy is the policy face amount. 
 For purposes of this Agreement, the
Reinsurer’s Net Amount at Risk for a policy is the Reinsurer’s amount, as determined in Section 2 of Schedule A, of the Net Amount at Risk. 
  

	9.	RESERVES: 

 The Reinsurer will
hold reinsurance reserves in accordance with all applicable laws and regulations that the Reinsurer deems controlling. 

  
 20 

 SCHEDULE B 
 NET COINSURANCE PREMIUMS 
  

	1.	AUTOMATIC NET COINSURANCE PREMIUMS - LIFE: 

  

	 	a.	Net coinsurance premiums pursuant to Article 7.c. are determined using the following: the standard annual coinsurance premiums per $1000 reinsured are the Kansas City
Life 10 and 20 Year Term Premium Rates, attached to this Schedule B, as Schedule B-I. 

 The coinsurance allowances
are the Kansas City Life 10 and 20 Year Term Allowances, attached to this Schedule B, as Schedule B-II, with the Ceding Company receiving these allowances less [****]* in all years. 

 

	 	*	This is the fee being paid directly to [****] by the Reinsurer on behalf of the Ceding Company. 

 

	 	b.	Table rated substandard coinsurance premiums are the appropriate multiple of the standard coinsurance premiums (25% per table). 

 

	 	c.	Flat Extra coinsurance premiums are the following percentages of such premiums charged the insured: 

 

			
	Permanent flat extra premiums (for more than 5 years duration)
	First Year	  	25%
	Renewal Years	  	90%

 

			
	Temporary flat extra premiums (for 5 years or less duration)
	All Years	  	90%

 

	2.	AUTOMATIC NET COINSURANCE PREMIUMS - SUPPLEMENTAL BENEFITS: 

 Disability Waiver of Premium Benefit coinsurance premiums are the Kansas City Life 10 and 20 Year Term Premium Rates-Waiver of Premium, attached to this Schedule B, as Schedule B-III, less the following
allowances: 
  

			
	Year	  	Allowance
	1	  	15%
	2+	  	85%

 

	3.	AGE BASIS: 

 Age Nearest Birthday

  

	4.	RATES AFTER EXERCISE OF TERM CONVERSION OPTION: 

 Annual reinsurance premiums following term conversions are the Reinsurance Rates For After Conversion attached to this Schedule B, as Schedule B-IV. Converted policies will be reinsured on a YRT basis and
the reinsurance rates will be based on the original issue age, duration since issuance of the original policy and the original underwriting classification. 

  
 21 

 SCHEDULE B - I 
 NET COINSURANCE PREMIUMS 
 STANDARD ANNUAL COINSURANCE PREMIUMS

 Kansas City Life 10 and 20 Year Term Premium Rates 

  
 22 

 KANSAS CITY LIFE 
 10 and 20 Year Term Premium Rates 
 LEVEL 10 INITIAL GUARANTEED 

Level 10 (introduction 6/1/1999) 

Form J151 
 99ETT600 

Rates for Initial Guaranteed Period 

Annual per $1000 
 ** ADD $70 POLICY FEE

  

																																									
	 	 	MALE	 	 	FEMALE	 
	 Issue
 Age
	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 
											
	20	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.96	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	21	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.96	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	22	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.96	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	23	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.96	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	24	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.96	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	25	 	 	0.48	  	 	 	0.54	  	 	 	0.79	  	 	 	1.14	  	 	 	1.97	  	 	 	0.41	  	 	 	0.45	  	 	 	0.62	  	 	 	0.97	  	 	 	1.39	  
	26	 	 	0.48	  	 	 	0.55	  	 	 	0.80	  	 	 	1.16	  	 	 	1.98	  	 	 	0.41	  	 	 	0.45	  	 	 	0.63	  	 	 	0.97	  	 	 	1.42	  
	27	 	 	0.48	  	 	 	0.55	  	 	 	0.80	  	 	 	1.17	  	 	 	1.99	  	 	 	0.41	  	 	 	0.45	  	 	 	0.63	  	 	 	0.97	  	 	 	1.42	  
	28	 	 	0.49	  	 	 	0.56	  	 	 	0.81	  	 	 	1.18	  	 	 	2.01	  	 	 	0.41	  	 	 	0.46	  	 	 	0.64	  	 	 	0.98	  	 	 	1.45	  
	29	 	 	0.49	  	 	 	0.56	  	 	 	0.81	  	 	 	1.19	  	 	 	2.01	  	 	 	0.41	  	 	 	0.46	  	 	 	0.64	  	 	 	1.00	  	 	 	1.48	  
	30	 	 	0.49	  	 	 	0.57	  	 	 	0.82	  	 	 	1.22	  	 	 	2.02	  	 	 	0.41	  	 	 	0.46	  	 	 	0.65	  	 	 	1.01	  	 	 	1.51	  
	31	 	 	0.49	  	 	 	0.58	  	 	 	0.83	  	 	 	1.26	  	 	 	2.08	  	 	 	0.41	  	 	 	0.47	  	 	 	0.66	  	 	 	1.03	  	 	 	1.54	  
	32	 	 	0.49	  	 	 	0.59	  	 	 	0.84	  	 	 	1.29	  	 	 	2.10	  	 	 	0.42	  	 	 	0.48	  	 	 	0.68	  	 	 	1.06	  	 	 	1.63	  
	33	 	 	0.49	  	 	 	0.60	  	 	 	0.85	  	 	 	1.39	  	 	 	2.12	  	 	 	0.42	  	 	 	0.48	  	 	 	0.69	  	 	 	1.07	  	 	 	1.67	  
	34	 	 	0.49	  	 	 	0.61	  	 	 	0.86	  	 	 	1.46	  	 	 	2.13	  	 	 	0.42	  	 	 	0.48	  	 	 	0.70	  	 	 	1.08	  	 	 	1.73	  
	35	 	 	0.49	  	 	 	0.62	  	 	 	0.88	  	 	 	1.49	  	 	 	2.15	  	 	 	0.43	  	 	 	0.49	  	 	 	0.71	  	 	 	1.15	  	 	 	1.80	  
	36	 	 	0.51	  	 	 	0.64	  	 	 	0.92	  	 	 	1.55	  	 	 	2.26	  	 	 	0.43	  	 	 	0.50	  	 	 	0.74	  	 	 	1.27	  	 	 	1.93	  
	37	 	 	0.54	  	 	 	0.68	  	 	 	0.95	  	 	 	1.65	  	 	 	2.36	  	 	 	0.43	  	 	 	0.57	  	 	 	0.82	  	 	 	1.32	  	 	 	2.04	  
	38	 	 	0.57	  	 	 	0.71	  	 	 	1.01	  	 	 	1.80	  	 	 	2.54	  	 	 	0.44	  	 	 	0.60	  	 	 	0.87	  	 	 	1.43	  	 	 	2.19	  
	39	 	 	0.61	  	 	 	0.78	  	 	 	1.09	  	 	 	1.97	  	 	 	2.73	  	 	 	0.47	  	 	 	0.64	  	 	 	0.94	  	 	 	1.49	  	 	 	2.37	  
	40	 	 	0.66	  	 	 	0.84	  	 	 	1.18	  	 	 	2.16	  	 	 	2.98	  	 	 	0.51	  	 	 	0.69	  	 	 	1.02	  	 	 	1.66	  	 	 	2.57	  
	41	 	 	0.72	  	 	 	0.91	  	 	 	1.28	  	 	 	2.41	  	 	 	3.30	  	 	 	0.55	  	 	 	0.74	  	 	 	1.11	  	 	 	1.82	  	 	 	2.80	  
	42	 	 	0.79	  	 	 	0.99	  	 	 	1.40	  	 	 	2.68	  	 	 	3.63	  	 	 	0.60	  	 	 	0.79	  	 	 	1.19	  	 	 	1.97	  	 	 	3.01	  
	43	 	 	0.86	  	 	 	1.08	  	 	 	1.53	  	 	 	2.96	  	 	 	3.99	  	 	 	0.65	  	 	 	0.84	  	 	 	1.28	  	 	 	2.12	  	 	 	3.24	  
	44	 	 	0.93	  	 	 	1.17	  	 	 	1.67	  	 	 	3.32	  	 	 	4.44	  	 	 	0.71	  	 	 	0.89	  	 	 	1.37	  	 	 	2.28	  	 	 	3.44	  
	45	 	 	1.01	  	 	 	1.28	  	 	 	1.83	  	 	 	3.65	  	 	 	4.85	  	 	 	0.77	  	 	 	0.95	  	 	 	1.46	  	 	 	2.47	  	 	 	3.64	  
	46	 	 	1.10	  	 	 	1.40	  	 	 	2.00	  	 	 	3.93	  	 	 	5.44	  	 	 	0.83	  	 	 	1.02	  	 	 	1.55	  	 	 	2.64	  	 	 	4.02	  
	47	 	 	1.20	  	 	 	1.53	  	 	 	2.17	  	 	 	4.23	  	 	 	6.03	  	 	 	0.90	  	 	 	1.09	  	 	 	1.65	  	 	 	2.81	  	 	 	4.34	  
	48	 	 	1.31	  	 	 	1.67	  	 	 	2.35	  	 	 	4.58	  	 	 	6.59	  	 	 	0.97	  	 	 	1.17	  	 	 	1.76	  	 	 	3.01	  	 	 	4.66	  
	49	 	 	1.43	  	 	 	1.81	  	 	 	2.54	  	 	 	4.98	  	 	 	7.18	  	 	 	1.04	  	 	 	1.26	  	 	 	1.88	  	 	 	3.26	  	 	 	5.04	  
	50	 	 	1.56	  	 	 	1.96	  	 	 	2.74	  	 	 	5.41	  	 	 	7.95	  	 	 	1.12	  	 	 	1.35	  	 	 	2.01	  	 	 	3.54	  	 	 	5.41	  
	51	 	 	1.69	  	 	 	2.12	  	 	 	2.96	  	 	 	5.91	  	 	 	8.51	  	 	 	1.20	  	 	 	1.45	  	 	 	2.15	  	 	 	3.73	  	 	 	5.73	  
	52	 	 	1.84	  	 	 	2.30	  	 	 	3.20	  	 	 	6.35	  	 	 	8.99	  	 	 	1.29	  	 	 	1.56	  	 	 	2.30	  	 	 	4.01	  	 	 	6.18	  
	53	 	 	2.01	  	 	 	2.51	  	 	 	3.47	  	 	 	6.91	  	 	 	9.56	  	 	 	1.40	  	 	 	1.68	  	 	 	2.47	  	 	 	4.38	  	 	 	6.68	  
	54	 	 	2.20	  	 	 	2.75	  	 	 	3.76	  	 	 	7.50	  	 	 	10.42	  	 	 	1.52	  	 	 	1.81	  	 	 	2.66	  	 	 	4.71	  	 	 	7.09	  
	55	 	 	2.41	  	 	 	3.01	  	 	 	4.08	  	 	 	8.08	  	 	 	11.28	  	 	 	1.65	  	 	 	1.95	  	 	 	2.87	  	 	 	5.08	  	 	 	7.50	  
	56	 	 	2.66	  	 	 	3.30	  	 	 	4.45	  	 	 	8.91	  	 	 	13.24	  	 	 	1.78	  	 	 	2.10	  	 	 	3.09	  	 	 	5.36	  	 	 	7.99	  
	57	 	 	2.95	  	 	 	3.62	  	 	 	4.86	  	 	 	9.66	  	 	 	15.00	  	 	 	1.92	  	 	 	2.26	  	 	 	3.32	  	 	 	5.62	  	 	 	8.29	  
	58	 	 	3.27	  	 	 	3.98	  	 	 	5.33	  	 	 	10.50	  	 	 	15.78	  	 	 	2.07	  	 	 	2.43	  	 	 	3.57	  	 	 	6.15	  	 	 	9.04	  
	59	 	 	3.63	  	 	 	4.38	  	 	 	5.87	  	 	 	11.39	  	 	 	16.64	  	 	 	2.24	  	 	 	2.61	  	 	 	3.85	  	 	 	6.60	  	 	 	9.69	  
	60	 	 	4.04	  	 	 	4.83	  	 	 	6.49	  	 	 	11.85	  	 	 	17.39	  	 	 	2.43	  	 	 	2.81	  	 	 	4.16	  	 	 	7.08	  	 	 	10.34	  
	61	 	 	4.49	  	 	 	5.33	  	 	 	7.19	  	 	 	12.54	  	 	 	18.11	  	 	 	2.64	  	 	 	3.04	  	 	 	4.50	  	 	 	7.96	  	 	 	11.64	  
	62	 	 	5.01	  	 	 	5.90	  	 	 	7.79	  	 	 	13.16	  	 	 	18.47	  	 	 	2.88	  	 	 	3.32	  	 	 	4.88	  	 	 	8.84	  	 	 	12.93	  
	63	 	 	5.58	  	 	 	6.53	  	 	 	8.87	  	 	 	15.36	  	 	 	21.08	  	 	 	3.14	  	 	 	3.64	  	 	 	5.29	  	 	 	9.66	  	 	 	14.14	  
	64	 	 	6.22	  	 	 	7.24	  	 	 	9.85	  	 	 	17.72	  	 	 	23.72	  	 	 	3.44	  	 	 	4.01	  	 	 	5.75	  	 	 	10.45	  	 	 	15.29	  
	65	 	 	6.92	  	 	 	8.02	  	 	 	10.92	  	 	 	20.35	  	 	 	26.50	  	 	 	3.77	  	 	 	4.42	  	 	 	6.27	  	 	 	11.36	  	 	 	16.60	  
	66	 	 	7.69	  	 	 	8.88	  	 	 	12.09	  	 	 	23.38	  	 	 	31.73	  	 	 	4.14	  	 	 	4.88	  	 	 	6.86	  	 	 	12.19	  	 	 	17.81	  
	67	 	 	8.54	  	 	 	9.83	  	 	 	13.38	  	 	 	26.02	  	 	 	37.69	  	 	 	4.56	  	 	 	5.40	  	 	 	7.54	  	 	 	13.23	  	 	 	19.29	  
	68	 	 	9.48	  	 	 	10.89	  	 	 	14.82	  	 	 	28.98	  	 	 	43.64	  	 	 	5.04	  	 	 	6.00	  	 	 	8.33	  	 	 	14.74	  	 	 	21.52	  
	69	 	 	10.52	  	 	 	12.08	  	 	 	16.45	  	 	 	32.27	  	 	 	50.22	  	 	 	5.59	  	 	 	6.70	  	 	 	9.25	  	 	 	16.55	  	 	 	24.23	  
	70	 	 	11.67	  	 	 	13.43	  	 	 	18.32	  	 	 	35.93	  	 	 	57.48	  	 	 	6.23	  	 	 	7.52	  	 	 	10.32	  	 	 	18.38	  	 	 	26.92	  
	71	 	 	12.95	  	 	 	14.97	  	 	 	20.49	  	 	 	40.54	  	 	 	62.75	  	 	 	6.98	  	 	 	8.48	  	 	 	11.57	  	 	 	19.29	  	 	 	28.93	  
	72	 	 	14.38	  	 	 	16.73	  	 	 	23.04	  	 	 	45.68	  	 	 	68.19	  	 	 	7.87	  	 	 	9.61	  	 	 	13.03	  	 	 	21.73	  	 	 	32.45	  
	73	 	 	15.99	  	 	 	18.75	  	 	 	26.06	  	 	 	50.98	  	 	 	72.99	  	 	 	8.93	  	 	 	10.95	  	 	 	14.74	  	 	 	24.62	  	 	 	36.57	  
	74	 	 	17.82	  	 	 	21.09	  	 	 	29.65	  	 	 	55.37	  	 	 	78.60	  	 	 	10.19	  	 	 	12.55	  	 	 	16.74	  	 	 	28.07	  	 	 	41.40	  
	75	 	 	19.92	  	 	 	23.82	  	 	 	33.92	  	 	 	60.85	  	 	 	84.90	  	 	 	11.67	  	 	 	14.49	  	 	 	19.09	  	 	 	31.00	  	 	 	47.07	  

 KANSAS CITY LIFE 
 10 and 20 Year Term Premium Rates 
 LEVEL 20 INITIAL GUARANTEED 

Level 20 (introduction 6/1/1999) 

Form J151 
 99ETT700 

Rates for Initial Guaranteed Period 

Annual per $1000 
 ** ADD $70 POLICY FEE

  

																																											
	 	 	 	MALE	 	 	 	 	 	FEMALE	 
	Issue	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 
											
	 	20	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.45	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	21	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.45	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	22	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.45	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	23	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.45	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	24	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.45	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	25	  	 	 	0.62	  	 	 	0.70	  	 	 	0.97	  	 	 	1.51	  	 	 	2.46	  	 	 	0.54	  	 	 	0.59	  	 	 	0.83	  	 	 	1.30	  	 	 	1.90	  
	 	26	  	 	 	0.63	  	 	 	0.70	  	 	 	0.98	  	 	 	1.52	  	 	 	2.46	  	 	 	0.55	  	 	 	0.59	  	 	 	0.83	  	 	 	1.31	  	 	 	1.91	  
	 	27	  	 	 	0.63	  	 	 	0.71	  	 	 	0.98	  	 	 	1.53	  	 	 	2.47	  	 	 	0.55	  	 	 	0.60	  	 	 	0.83	  	 	 	1.31	  	 	 	1.91	  
	 	28	  	 	 	0.64	  	 	 	0.72	  	 	 	0.98	  	 	 	1.55	  	 	 	2.47	  	 	 	0.55	  	 	 	0.60	  	 	 	0.83	  	 	 	1.31	  	 	 	1.92	  
	 	29	  	 	 	0.64	  	 	 	0.73	  	 	 	0.99	  	 	 	1.56	  	 	 	2.48	  	 	 	0.55	  	 	 	0.61	  	 	 	0.83	  	 	 	1.35	  	 	 	1.94	  
	 	30	  	 	 	0.65	  	 	 	0.75	  	 	 	1.00	  	 	 	1.62	  	 	 	2.48	  	 	 	0.55	  	 	 	0.62	  	 	 	0.83	  	 	 	1.37	  	 	 	1.94	  
	 	31	  	 	 	0.66	  	 	 	0.77	  	 	 	1.02	  	 	 	1.69	  	 	 	2.58	  	 	 	0.56	  	 	 	0.64	  	 	 	0.84	  	 	 	1.42	  	 	 	1.98	  
	 	32	  	 	 	0.67	  	 	 	0.79	  	 	 	1.05	  	 	 	1.74	  	 	 	2.77	  	 	 	0.56	  	 	 	0.66	  	 	 	0.85	  	 	 	1.48	  	 	 	2.05	  
	 	33	  	 	 	0.67	  	 	 	0.81	  	 	 	1.10	  	 	 	1.87	  	 	 	3.01	  	 	 	0.56	  	 	 	0.67	  	 	 	0.88	  	 	 	1.49	  	 	 	2.13	  
	 	34	  	 	 	0.67	  	 	 	0.84	  	 	 	1.18	  	 	 	1.99	  	 	 	3.27	  	 	 	0.56	  	 	 	0.68	  	 	 	0.93	  	 	 	1.51	  	 	 	2.28	  
	 	35	  	 	 	0.69	  	 	 	0.88	  	 	 	1.27	  	 	 	2.12	  	 	 	3.54	  	 	 	0.57	  	 	 	0.70	  	 	 	0.98	  	 	 	1.59	  	 	 	2.47	  
	 	36	  	 	 	0.73	  	 	 	0.93	  	 	 	1.36	  	 	 	2.26	  	 	 	3.77	  	 	 	0.59	  	 	 	0.73	  	 	 	1.04	  	 	 	1.73	  	 	 	2.77	  
	 	37	  	 	 	0.78	  	 	 	0.99	  	 	 	1.45	  	 	 	2.43	  	 	 	3.89	  	 	 	0.62	  	 	 	0.78	  	 	 	1.10	  	 	 	1.79	  	 	 	2.95	  
	 	38	  	 	 	0.83	  	 	 	1.06	  	 	 	1.54	  	 	 	2.72	  	 	 	4.17	  	 	 	0.65	  	 	 	0.83	  	 	 	1.16	  	 	 	1.94	  	 	 	3.27	  
	 	39	  	 	 	0.90	  	 	 	1.15	  	 	 	1.65	  	 	 	2.95	  	 	 	4.49	  	 	 	0.70	  	 	 	0.90	  	 	 	1.25	  	 	 	2.06	  	 	 	3.54	  
	 	40	  	 	 	0.98	  	 	 	1.25	  	 	 	1.77	  	 	 	3.22	  	 	 	4.91	  	 	 	0.75	  	 	 	0.97	  	 	 	1.35	  	 	 	2.29	  	 	 	3.81	  
	 	41	  	 	 	1.07	  	 	 	1.36	  	 	 	1.91	  	 	 	3.55	  	 	 	5.37	  	 	 	0.80	  	 	 	1.05	  	 	 	1.45	  	 	 	2.54	  	 	 	4.14	  
	 	42	  	 	 	1.17	  	 	 	1.49	  	 	 	2.07	  	 	 	3.98	  	 	 	5.84	  	 	 	0.86	  	 	 	1.13	  	 	 	1.56	  	 	 	2.78	  	 	 	4.46	  
	 	43	  	 	 	1.28	  	 	 	1.63	  	 	 	2.25	  	 	 	4.42	  	 	 	6.37	  	 	 	0.93	  	 	 	1.22	  	 	 	1.68	  	 	 	3.04	  	 	 	4.81	  
	 	44	  	 	 	1.41	  	 	 	1.79	  	 	 	2.45	  	 	 	5.03	  	 	 	7.05	  	 	 	1.01	  	 	 	1.32	  	 	 	1.81	  	 	 	3.34	  	 	 	5.14	  
	 	45	  	 	 	1.56	  	 	 	1.96	  	 	 	2.66	  	 	 	5.71	  	 	 	7.62	  	 	 	1.09	  	 	 	1.42	  	 	 	1.94	  	 	 	3.64	  	 	 	5.46	  
	 	46	  	 	 	1.72	  	 	 	2.14	  	 	 	2.93	  	 	 	6.30	  	 	 	8.58	  	 	 	1.18	  	 	 	1.53	  	 	 	2.08	  	 	 	3.91	  	 	 	5.96	  
	 	47	  	 	 	1.89	  	 	 	2.34	  	 	 	3.20	  	 	 	6.87	  	 	 	9.49	  	 	 	1.29	  	 	 	1.64	  	 	 	2.24	  	 	 	4.18	  	 	 	6.38	  
	 	48	  	 	 	2.07	  	 	 	2.56	  	 	 	3.44	  	 	 	7.51	  	 	 	10.28	  	 	 	1.41	  	 	 	1.75	  	 	 	2.42	  	 	 	4.46	  	 	 	6.78	  
	 	49	  	 	 	2.26	  	 	 	2.79	  	 	 	3.76	  	 	 	8.18	  	 	 	11.19	  	 	 	1.54	  	 	 	1.87	  	 	 	2.63	  	 	 	4.79	  	 	 	7.26	  
	 	50	  	 	 	2.46	  	 	 	3.03	  	 	 	4.10	  	 	 	8.78	  	 	 	11.97	  	 	 	1.68	  	 	 	2.00	  	 	 	2.87	  	 	 	5.20	  	 	 	7.73	  
	 	51	  	 	 	2.67	  	 	 	3.28	  	 	 	4.45	  	 	 	9.52	  	 	 	12.79	  	 	 	1.83	  	 	 	2.14	  	 	 	3.14	  	 	 	5.46	  	 	 	8.26	  
	 	52	  	 	 	2.90	  	 	 	3.54	  	 	 	4.81	  	 	 	10.27	  	 	 	13.46	  	 	 	1.99	  	 	 	2.29	  	 	 	3.44	  	 	 	5.84	  	 	 	8.87	  
	 	53	  	 	 	3.17	  	 	 	3.81	  	 	 	5.19	  	 	 	11.05	  	 	 	15.13	  	 	 	2.17	  	 	 	2.46	  	 	 	3.77	  	 	 	6.37	  	 	 	9.55	  
	 	54	  	 	 	3.47	  	 	 	4.09	  	 	 	5.61	  	 	 	11.93	  	 	 	16.39	  	 	 	2.38	  	 	 	2.66	  	 	 	4.12	  	 	 	6.87	  	 	 	10.17	  
	 	55	  	 	 	3.81	  	 	 	4.39	  	 	 	6.01	  	 	 	12.62	  	 	 	17.47	  	 	 	2.61	  	 	 	2.88	  	 	 	4.49	  	 	 	7.45	  	 	 	10.87	  
	 	56	  	 	 	4.20	  	 	 	4.73	  	 	 	6.48	  	 	 	14.23	  	 	 	20.35	  	 	 	2.86	  	 	 	3.13	  	 	 	4.88	  	 	 	7.95	  	 	 	11.66	  
	 	57	  	 	 	4.63	  	 	 	5.11	  	 	 	7.00	  	 	 	16.15	  	 	 	23.04	  	 	 	3.14	  	 	 	3.41	  	 	 	5.30	  	 	 	8.43	  	 	 	12.23	  
	 	58	  	 	 	5.12	  	 	 	5.56	  	 	 	7.61	  	 	 	18.02	  	 	 	24.58	  	 	 	3.46	  	 	 	3.73	  	 	 	5.76	  	 	 	9.14	  	 	 	13.50	  
	 	59	  	 	 	5.68	  	 	 	6.10	  	 	 	8.34	  	 	 	19.78	  	 	 	25.53	  	 	 	3.81	  	 	 	4.08	  	 	 	6.27	  	 	 	9.87	  	 	 	14.62	  
	 	60	  	 	 	6.32	  	 	 	6.75	  	 	 	9.21	  	 	 	20.35	  	 	 	26.85	  	 	 	4.20	  	 	 	4.48	  	 	 	6.84	  	 	 	10.78	  	 	 	15.80	  
	 	61	  	 	 	7.12	  	 	 	8.29	  	 	 	10.20	  	 	 	22.26	  	 	 	28.18	  	 	 	4.98	  	 	 	5.29	  	 	 	7.74	  	 	 	11.70	  	 	 	16.59	  
	 	62	  	 	 	8.42	  	 	 	9.87	  	 	 	11.89	  	 	 	24.17	  	 	 	29.52	  	 	 	5.77	  	 	 	6.11	  	 	 	8.64	  	 	 	12.62	  	 	 	17.38	  
	 	63	  	 	 	9.72	  	 	 	11.45	  	 	 	13.58	  	 	 	26.08	  	 	 	30.85	  	 	 	6.55	  	 	 	6.92	  	 	 	9.55	  	 	 	13.54	  	 	 	18.17	  
	 	64	  	 	 	11.02	  	 	 	13.02	  	 	 	15.26	  	 	 	27.99	  	 	 	32.19	  	 	 	7.34	  	 	 	7.74	  	 	 	10.45	  	 	 	14.46	  	 	 	18.96	  
	 	65	  	 	 	12.32	  	 	 	14.60	  	 	 	16.95	  	 	 	29.90	  	 	 	33.52	  	 	 	8.12	  	 	 	8.55	  	 	 	11.35	  	 	 	15.38	  	 	 	19.75	  

 KANSAS CITY LIFE 
 10 and 20 Year Term Premium Rates 
 Level Term 

Form J151 
 Current Annual YRT Rates

 Annual per $1000 
 ** ADD
$70.00 POLICY FEE 
  

																																											
	Attained	 	 	MALE	 	 	FEMALE	 
	Age	 	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 	 	PENT	 	 	PNT	 	 	SNT	 	 	PT	 	 	ST	 
											
	 	30	  	 	 	2.05	  	 	 	2.05	  	 	 	2.58	  	 	 	3.91	  	 	 	4.68	  	 	 	1.37	  	 	 	1.37	  	 	 	2.06	  	 	 	2.38	  	 	 	3.54	  
	 	31	  	 	 	1.98	  	 	 	1.98	  	 	 	2.49	  	 	 	3.77	  	 	 	4.69	  	 	 	1.38	  	 	 	1.38	  	 	 	2.07	  	 	 	2.40	  	 	 	3.55	  
	 	32	  	 	 	1.93	  	 	 	1.93	  	 	 	2.46	  	 	 	3.66	  	 	 	4.70	  	 	 	1.39	  	 	 	1.39	  	 	 	2.08	  	 	 	2.42	  	 	 	3.56	  
	 	33	  	 	 	1.90	  	 	 	1.90	  	 	 	2.51	  	 	 	3.62	  	 	 	4.71	  	 	 	1.40	  	 	 	1.40	  	 	 	2.09	  	 	 	2.44	  	 	 	3.57	  
	 	34	  	 	 	1.90	  	 	 	1.90	  	 	 	2.53	  	 	 	3.61	  	 	 	4.73	  	 	 	1.42	  	 	 	1.42	  	 	 	2.10	  	 	 	2.46	  	 	 	3.58	  
	 	35	  	 	 	1.94	  	 	 	1.94	  	 	 	2.55	  	 	 	3.70	  	 	 	4.75	  	 	 	1.44	  	 	 	1.44	  	 	 	2.12	  	 	 	2.50	  	 	 	3.59	  
	 	36	  	 	 	2.06	  	 	 	2.06	  	 	 	2.59	  	 	 	3.93	  	 	 	4.77	  	 	 	1.47	  	 	 	1.47	  	 	 	2.14	  	 	 	2.76	  	 	 	3.60	  
	 	37	  	 	 	2.23	  	 	 	2.23	  	 	 	2.82	  	 	 	4.28	  	 	 	4.80	  	 	 	1.67	  	 	 	1.67	  	 	 	2.16	  	 	 	3.16	  	 	 	3.61	  
	 	38	  	 	 	2.45	  	 	 	2.45	  	 	 	3.11	  	 	 	4.72	  	 	 	5.22	  	 	 	1.90	  	 	 	1.90	  	 	 	2.39	  	 	 	3.62	  	 	 	3.98	  
	 	39	  	 	 	2.65	  	 	 	2.65	  	 	 	3.37	  	 	 	5.12	  	 	 	5.67	  	 	 	2.14	  	 	 	2.14	  	 	 	2.70	  	 	 	4.10	  	 	 	4.52	  
	 	40	  	 	 	2.89	  	 	 	2.89	  	 	 	3.69	  	 	 	5.59	  	 	 	6.20	  	 	 	2.42	  	 	 	2.42	  	 	 	3.07	  	 	 	4.66	  	 	 	5.15	  
	 	41	  	 	 	2.95	  	 	 	2.95	  	 	 	3.85	  	 	 	5.81	  	 	 	6.49	  	 	 	2.54	  	 	 	2.54	  	 	 	3.30	  	 	 	4.98	  	 	 	5.55	  
	 	42	  	 	 	3.05	  	 	 	3.05	  	 	 	4.08	  	 	 	6.11	  	 	 	6.87	  	 	 	2.66	  	 	 	2.66	  	 	 	3.55	  	 	 	5.31	  	 	 	5.97	  
	 	43	  	 	 	3.13	  	 	 	3.13	  	 	 	4.27	  	 	 	6.37	  	 	 	7.21	  	 	 	2.73	  	 	 	2.73	  	 	 	3.71	  	 	 	5.53	  	 	 	6.25	  
	 	44	  	 	 	3.25	  	 	 	3.25	  	 	 	4.53	  	 	 	6.72	  	 	 	7.65	  	 	 	2.79	  	 	 	2.79	  	 	 	3.86	  	 	 	5.72	  	 	 	6.50	  
	 	45	  	 	 	3.42	  	 	 	3.42	  	 	 	4.81	  	 	 	7.11	  	 	 	8.13	  	 	 	2.86	  	 	 	2.86	  	 	 	4.01	  	 	 	5.92	  	 	 	6.76	  
	 	46	  	 	 	3.60	  	 	 	3.60	  	 	 	5.14	  	 	 	7.57	  	 	 	8.70	  	 	 	2.93	  	 	 	2.93	  	 	 	4.16	  	 	 	6.12	  	 	 	7.03	  
	 	47	  	 	 	3.81	  	 	 	3.81	  	 	 	5.51	  	 	 	8.09	  	 	 	9.33	  	 	 	2.99	  	 	 	2.99	  	 	 	4.31	  	 	 	6.31	  	 	 	7.28	  
	 	48	  	 	 	4.02	  	 	 	4.02	  	 	 	5.88	  	 	 	8.60	  	 	 	9.97	  	 	 	3.05	  	 	 	3.05	  	 	 	4.45	  	 	 	6.51	  	 	 	7.53	  
	 	49	  	 	 	4.25	  	 	 	4.25	  	 	 	6.29	  	 	 	9.17	  	 	 	10.66	  	 	 	3.12	  	 	 	3.12	  	 	 	4.60	  	 	 	6.71	  	 	 	7.79	  
	 	50	  	 	 	4.48	  	 	 	4.48	  	 	 	6.68	  	 	 	9.72	  	 	 	11.35	  	 	 	3.21	  	 	 	3.21	  	 	 	4.78	  	 	 	6.96	  	 	 	8.11	  
	 	51	  	 	 	4.94	  	 	 	4.94	  	 	 	7.38	  	 	 	10.63	  	 	 	12.53	  	 	 	3.47	  	 	 	3.47	  	 	 	5.17	  	 	 	7.44	  	 	 	8.75	  
	 	52	  	 	 	5.44	  	 	 	5.44	  	 	 	8.15	  	 	 	11.63	  	 	 	13.84	  	 	 	3.74	  	 	 	3.74	  	 	 	5.58	  	 	 	7.96	  	 	 	9.46	  
	 	53	  	 	 	5.99	  	 	 	5.99	  	 	 	8.98	  	 	 	12.69	  	 	 	15.26	  	 	 	4.07	  	 	 	4.07	  	 	 	6.07	  	 	 	8.58	  	 	 	10.30	  
	 	54	  	 	 	6.71	  	 	 	6.71	  	 	 	10.07	  	 	 	14.09	  	 	 	17.11	  	 	 	4.50	  	 	 	4.50	  	 	 	6.73	  	 	 	9.41	  	 	 	11.42	  
	 	55	  	 	 	7.37	  	 	 	7.37	  	 	 	11.07	  	 	 	15.34	  	 	 	18.82	  	 	 	4.90	  	 	 	4.90	  	 	 	7.33	  	 	 	10.16	  	 	 	12.45	  
	 	56	  	 	 	8.11	  	 	 	8.11	  	 	 	12.19	  	 	 	16.73	  	 	 	20.72	  	 	 	5.33	  	 	 	5.33	  	 	 	7.98	  	 	 	10.96	  	 	 	13.56	  
	 	57	  	 	 	9.08	  	 	 	9.08	  	 	 	13.66	  	 	 	18.57	  	 	 	23.23	  	 	 	5.90	  	 	 	5.90	  	 	 	8.85	  	 	 	12.04	  	 	 	15.04	  
	 	58	  	 	 	10.01	  	 	 	10.01	  	 	 	15.06	  	 	 	20.28	  	 	 	25.61	  	 	 	6.43	  	 	 	6.43	  	 	 	9.65	  	 	 	13.00	  	 	 	16.40	  
	 	59	  	 	 	11.24	  	 	 	11.24	  	 	 	16.92	  	 	 	22.59	  	 	 	28.80	  	 	 	7.13	  	 	 	7.13	  	 	 	10.70	  	 	 	14.28	  	 	 	18.19	  
	 	60	  	 	 	12.42	  	 	 	12.42	  	 	 	18.71	  	 	 	24.75	  	 	 	31.84	  	 	 	7.74	  	 	 	7.74	  	 	 	11.62	  	 	 	15.38	  	 	 	19.76	  
	 	61	  	 	 	13.75	  	 	 	13.75	  	 	 	20.72	  	 	 	27.40	  	 	 	35.26	  	 	 	8.39	  	 	 	8.39	  	 	 	12.61	  	 	 	16.68	  	 	 	21.45	  
	 	62	  	 	 	15.47	  	 	 	15.47	  	 	 	23.31	  	 	 	30.83	  	 	 	39.68	  	 	 	9.24	  	 	 	9.24	  	 	 	13.90	  	 	 	18.39	  	 	 	23.64	  
	 	63	  	 	 	16.76	  	 	 	16.76	  	 	 	25.26	  	 	 	33.41	  	 	 	43.01	  	 	 	9.82	  	 	 	9.82	  	 	 	14.78	  	 	 	19.54	  	 	 	25.13	  
	 	64	  	 	 	18.45	  	 	 	18.45	  	 	 	27.83	  	 	 	36.81	  	 	 	47.39	  	 	 	10.62	  	 	 	10.62	  	 	 	15.98	  	 	 	21.14	  	 	 	27.19	  
	 	65	  	 	 	20.31	  	 	 	20.31	  	 	 	30.64	  	 	 	40.52	  	 	 	52.17	  	 	 	11.49	  	 	 	11.49	  	 	 	17.30	  	 	 	22.88	  	 	 	29.45	  
	 	66	  	 	 	21.96	  	 	 	21.96	  	 	 	33.14	  	 	 	43.82	  	 	 	56.43	  	 	 	12.23	  	 	 	12.23	  	 	 	18.41	  	 	 	24.35	  	 	 	31.34	  
	 	67	  	 	 	24.18	  	 	 	24.18	  	 	 	36.49	  	 	 	48.26	  	 	 	62.15	  	 	 	13.26	  	 	 	13.26	  	 	 	19.97	  	 	 	26.41	  	 	 	33.99	  
	 	68	  	 	 	26.15	  	 	 	26.15	  	 	 	39.47	  	 	 	52.20	  	 	 	67.23	  	 	 	14.13	  	 	 	14.13	  	 	 	21.29	  	 	 	28.16	  	 	 	36.24	  
	 	69	  	 	 	27.76	  	 	 	27.76	  	 	 	41.89	  	 	 	55.39	  	 	 	71.35	  	 	 	14.80	  	 	 	14.80	  	 	 	22.30	  	 	 	29.49	  	 	 	37.96	  
	 	70	  	 	 	29.96	  	 	 	29.96	  	 	 	45.22	  	 	 	59.80	  	 	 	77.02	  	 	 	15.82	  	 	 	15.82	  	 	 	23.85	  	 	 	31.55	  	 	 	40.61	  
	 	71	  	 	 	32.87	  	 	 	32.87	  	 	 	48.71	  	 	 	64.42	  	 	 	82.98	  	 	 	17.30	  	 	 	17.30	  	 	 	25.61	  	 	 	33.87	  	 	 	43.61	  
	 	72	  	 	 	35.96	  	 	 	35.96	  	 	 	52.32	  	 	 	69.19	  	 	 	89.14	  	 	 	19.01	  	 	 	19.01	  	 	 	27.63	  	 	 	36.54	  	 	 	47.04	  
	 	73	  	 	 	40.12	  	 	 	40.12	  	 	 	57.27	  	 	 	75.74	  	 	 	97.58	  	 	 	21.42	  	 	 	21.42	  	 	 	30.56	  	 	 	40.41	  	 	 	52.03	  
	 	74	  	 	 	44.77	  	 	 	44.77	  	 	 	62.69	  	 	 	82.90	  	 	 	106.81	  	 	 	24.27	  	 	 	24.27	  	 	 	33.97	  	 	 	44.92	  	 	 	57.85	  
	 	75	  	 	 	50.02	  	 	 	50.02	  	 	 	68.69	  	 	 	90.83	  	 	 	117.03	  	 	 	27.64	  	 	 	27.64	  	 	 	37.93	  	 	 	50.16	  	 	 	64.60	  
	 	76	  	 	 	55.95	  	 	 	55.95	  	 	 	75.30	  	 	 	99.57	  	 	 	128.30	  	 	 	31.60	  	 	 	31.60	  	 	 	42.51	  	 	 	56.21	  	 	 	72.40	  
	 	77	  	 	 	62.66	  	 	 	62.66	  	 	 	82.61	  	 	 	109.25	  	 	 	140.77	  	 	 	36.25	  	 	 	36.25	  	 	 	47.77	  	 	 	63.17	  	 	 	81.38	  
	 	78	  	 	 	70.18	  	 	 	70.18	  	 	 	90.62	  	 	 	119.83	  	 	 	154.41	  	 	 	41.68	  	 	 	41.68	  	 	 	53.79	  	 	 	71.14	  	 	 	91.64	  
	 	79	  	 	 	78.59	  	 	 	78.59	  	 	 	99.32	  	 	 	131.34	  	 	 	169.24	  	 	 	47.94	  	 	 	47.94	  	 	 	60.57	  	 	 	80.10	  	 	 	103.20	  
	 	80	  	 	 	87.93	  	 	 	87.93	  	 	 	108.73	  	 	 	143.77	  	 	 	185.28	  	 	 	55.10	  	 	 	55.10	  	 	 	68.11	  	 	 	90.06	  	 	 	116.04	  
	 	81	  	 	 	97.16	  	 	 	97.16	  	 	 	118.82	  	 	 	155.70	  	 	 	202.48	  	 	 	62.49	  	 	 	62.49	  	 	 	76.40	  	 	 	100.12	  	 	 	130.17	  
	 	82	  	 	 	107.08	  	 	 	107.08	  	 	 	129.49	  	 	 	168.17	  	 	 	220.67	  	 	 	70.68	  	 	 	70.68	  	 	 	85.45	  	 	 	110.97	  	 	 	145.60	  
	 	83	  	 	 	117.77	  	 	 	117.77	  	 	 	140.80	  	 	 	181.25	  	 	 	239.96	  	 	 	79.69	  	 	 	79.69	  	 	 	95.25	  	 	 	122.61	  	 	 	162.31	  
	 	84	  	 	 	129.67	  	 	 	129.67	  	 	 	153.26	  	 	 	195.55	  	 	 	261.19	  	 	 	89.54	  	 	 	89.54	  	 	 	105.81	  	 	 	135.01	  	 	 	180.31	  
	 	85	  	 	 	141.50	  	 	 	141.50	  	 	 	166.56	  	 	 	210.78	  	 	 	283.00	  	 	 	97.32	  	 	 	97.32	  	 	 	115.02	  	 	 	145.99	  	 	 	194.65	  
	 	86	  	 	 	153.65	  	 	 	153.65	  	 	 	180.86	  	 	 	228.88	  	 	 	307.31	  	 	 	105.77	  	 	 	105.77	  	 	 	125.00	  	 	 	158.66	  	 	 	211.55	  
	 	87	  	 	 	166.74	  	 	 	166.74	  	 	 	196.26	  	 	 	248.37	  	 	 	333.48	  	 	 	116.67	  	 	 	116.67	  	 	 	137.89	  	 	 	175.01	  	 	 	233.35	  
	 	88	  	 	 	179.44	  	 	 	179.44	  	 	 	211.21	  	 	 	267.29	  	 	 	358.88	  	 	 	127.30	  	 	 	127.30	  	 	 	150.45	  	 	 	190.96	  	 	 	254.61	  
	 	89	  	 	 	189.87	  	 	 	189.87	  	 	 	223.50	  	 	 	282.83	  	 	 	379.75	  	 	 	138.85	  	 	 	138.85	  	 	 	164.10	  	 	 	208.28	  	 	 	277.71	  
	 	90	  	 	 	197.97	  	 	 	197.97	  	 	 	233.02	  	 	 	294.89	  	 	 	395.94	  	 	 	156.24	  	 	 	156.24	  	 	 	184.65	  	 	 	234.36	  	 	 	312.48	  
	 	91	  	 	 	205.05	  	 	 	205.05	  	 	 	241.36	  	 	 	305.44	  	 	 	410.11	  	 	 	175.57	  	 	 	175.57	  	 	 	207.50	  	 	 	263.36	  	 	 	351.15	  
	 	92	  	 	 	214.23	  	 	 	214.23	  	 	 	252.17	  	 	 	319.11	  	 	 	428.46	  	 	 	190.66	  	 	 	190.66	  	 	 	225.33	  	 	 	286.00	  	 	 	381.33	  
	 	93	  	 	 	228.70	  	 	 	228.70	  	 	 	269.19	  	 	 	340.66	  	 	 	457.40	  	 	 	201.33	  	 	 	201.33	  	 	 	237.94	  	 	 	302.00	  	 	 	402.67	  
	 	94	  	 	 	246.73	  	 	 	246.73	  	 	 	290.43	  	 	 	367.53	  	 	 	493.47	  	 	 	207.68	  	 	 	207.68	  	 	 	245.44	  	 	 	311.52	  	 	 	415.36	  

 KANSAS CITY LIFE 
 10 and 20 Year Term Premium Rates 
 GUARANTEED ANNUAL 

Level Term 
 Form J151 

Guaranteed Annual YRT Rates 
 Annual
per $1000 
 * ADD $70.00 POLICY FEE 
  

									
	Attained	  	MALE	  	MALE	  	FEMALE	  	FEMALE
	Age	  	SNT	  	ST	  	SNT	  	ST
					
	30	  	     2.58
	  	     4.70
	  	     2.10
	  	     3.56

	31	  	     2.63
	  	     4.85
	  	     2.15
	  	     3.70

	32	  	     2.46
	  	     5.01
	  	     2.21
	  	     3.86

	33	  	     2.54
	  	     5.26
	  	     2.28
	  	     4.02

	34	  	     2.64
	  	     5.55
	  	     2.40
	  	     4.27

	35	  	     2.77
	  	     5.89
	  	     2.49
	  	     4.46

	36	  	     2.91
	  	     6.29
	  	     2.64
	  	     4.80

	37	  	     3.09
	  	     6.80
	  	     2.82
	  	     5.24

	38	  	     3.28
	  	     7.39
	  	     3.03
	  	     5.72

	39	  	     3.51
	  	     8.06
	  	     3.26
	  	     6.27

	40	  	     3.76
	  	     8.82
	  	     3.52
	  	     6.90

	41	  	     4.06
	  	     9.72
	  	     3.82
	  	     7.66

	42	  	     4.35
	  	   10.64
	  	     4.13
	  	     8.37

	43	  	     4.70
	  	   11.69
	  	     4.43
	  	     9.11

	44	  	     5.04
	  	   12.79
	  	     4.74
	  	     9.84

	45	  	     5.45
	  	   14.04
	  	     5.06
	  	   10.60

	46	  	     5.90
	  	   15.30
	  	     5.40
	  	   11.38

	47	  	     6.37
	  	   16.67
	  	     5.77
	  	   12.21

	48	  	     6.88
	  	   18.10
	  	     6.18
	  	   13.07

	49	  	     7.46
	  	   19.72
	  	     6.60
	  	   13.99

	50	  	     8.07
	  	   21.42
	  	     7.09
	  	   15.05

	51	  	     8.79
	  	   23.40
	  	     7.62
	  	   16.11

	52	  	     9.63
	  	   25.60
	  	     8.21
	  	   17.30

	53	  	   10.57
	  	   28.11
	  	     8.91
	  	   18.71

	54	  	   11.66
	  	   30.94
	  	     9.26
	  	   20.14

	55	  	   12.86
	  	   33.94
	  	   10.38
	  	   21.64

	56	  	   14.19
	  	   37.20
	  	   11.16
	  	   23.13

	57	  	   15.61
	  	   40.56
	  	   11.95
	  	   24.56

	58	  	   17.14
	  	   44.15
	  	   12.69
	  	   25.90

	59	  	   18.87
	  	   47.88
	  	   13.49
	  	   27.29

	60	  	   20.79
	  	   52.01
	  	   14.42
	  	   28.81

	61	  	   22.93
	  	   56.66
	  	   15.52
	  	   30.77

	62	  	   25.37
	  	   61.89
	  	   16.92
	  	   33.15

	63	  	   28.15
	  	   67.82
	  	   18.67
	  	   36.35

	64	  	   31.30
	  	   74.36
	  	   20.73
	  	   39.92

	65	  	   34.77
	  	   81.43
	  	   22.97
	  	   43.94

	66	  	   38.51
	  	   88.80
	  	   25.38
	  	   47.90

	67	  	   42.56
	  	   96.53
	  	   27.83
	  	   52.03

	68	  	   46.91
	  	 104.48
	  	   30.29
	  	   55.77

	69	  	   51.66
	  	 112.96
	  	   32.92
	  	   59.97

	70	  	   57.01
	  	 122.31
	  	   35.96
	  	   64.42

	71	  	   64.07
	  	 132.67
	  	   39.60
	  	   70.19

	72	  	   70.08
	  	 144.45
	  	   44.09
	  	   77.35

	73	  	   78.13
	  	 157.71
	  	   49.58
	  	   86.07

	74	  	   87.16
	  	 172.16
	  	   56.03
	  	   96.25

	75	  	   96.85
	  	 188.15
	  	   63.33
	  	 107.56

	76	  	 107.17
	  	 204.63
	  	   71.36
	  	 119.74

	77	  	 118.02
	  	 221.32
	  	   79.96
	  	 132.53

	78	  	 129.28
	  	 237.94
	  	   89.17
	  	 145.85

	79	  	 141.24
	  	 254.99
	  	   99.23
	  	 160.12

	80	  	 154.36
	  	 273.22
	  	 110.56
	  	 175.93

	81	  	 168.96
	  	 293.06
	  	 123.55
	  	 193.81

	82	  	 185.45
	  	 315.09
	  	 138.56
	  	 214.23

	83	  	 204.05
	  	 339.47
	  	 155.84
	  	 237.38

	84	  	 224.37
	  	 365.26
	  	 174.99
	  	 264.59

	85	  	 245.97
	  	 391.62
	  	 195.99
	  	 291.79

	86	  	 268.42
	  	 417.69
	  	 218.43
	  	 322.67

	87	  	 291.51
	  	 443.09
	  	 242.44
	  	 352.43

	88	  	 314.79
	  	 470.82
	  	 267.79
	  	 386.08

	89	  	 338.57
	  	 498.19
	  	 294.82
	  	 418.08

	90	  	 363.18
	  	 525.60
	  	 323.54
	  	 454.92

	91	  	 389.03
	  	 553.61
	  	 354.49
	  	 494.22

	92	  	 416.96
	  	 583.38
	  	 388.56
	  	 537.07

	93	  	 448.15
	  	 621.62
	  	 427.36
	  	 585.64

	94	  	 487.82
	  	 670.84
	  	 474.83
	  	 645.21

 SCHEDULE B-II 
 NET COINSURANCE PREMIUMS 
 COINSURANCE ALLOWANCES 

Kansas City Life 10 and 20 Year Term Allowances 

  
 23 

 KANSAS CITY LIFE 
 Level 10 and 20 Year Term Allowances 
 Gross Coninsurance Allowances 

 

																			
	 Level 10 MALE
	  		  	  
	 Level 10 FEMALE

									
	PENT	  		  		  		  		  	 	PENT	  	  		  		  	
									
		  	1st Yr	  	[****]	  	[****]	  		  				  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  				  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
									
	PNT	  		  		  		  		  	 	PNT	  	  		  		  	
									
		  	1st Yr	  	[****]	  	[****]	  		  				  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  				  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
									
	NT	  		  		  		  		  	 	NT	  	  		  		  	
									
		  	1st Yr	  	[****]	  	[****]	  		  				  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  				  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
									
	PT	  		  		  		  		  	 	PT	  	  		  		  	
									
		  	1st Yr	  	[****]	  	[****]	  		  				  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  				  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
									
	T	  		  		  		  		  	 	T	  	  		  		  	
									
		  	1st Yr	  	[****]	  	[****]	  		  				  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  				  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  				  		  	[****]	  	[****]

  
 1Of2

 KANSAS CITY LIFE 
 Level 10 and 20 Year Term Allowances 
 Gross Coninsurance Allowances 

 

																	
	 Level 20 MALE
	  		  	 Level 20 FEMALE

									
	PENT	  		  		  		  		  	PENT	  		  		  	
		  	1st Yr	  	[****]	  	[****]	  		  		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
									
	PNT	  		  		  		  		  	PNT	  		  		  	
		  	1st Yr	  	[****]	  	[****]	  		  		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
									
	NT	  		  		  		  		  	NT	  		  		  	
		  	1st Yr	  	[****]	  	[****]	  		  		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
									
	PT	  		  		  		  		  	PT	  		  		  	
		  	1st Yr	  	[****]	  	[****]	  		  		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
									
	T	  		  		  		  		  	T	  		  		  	
		  	1st Yr	  	[****]	  	[****]	  		  		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]	  		  		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]
		  		  	[****]	  	[****]	  		  		  		  	[****]	  	[****]

  
 2of2

 SCHEDULE B-III 
 NET COINSURANCE PREMIUMS 
 DISABILITY WAIVER OF PREMIUM BENEFIT
COINSURANCE PREMIUMS 
 Kansas City Life 10 and 20 Year Term Premium Rates - Waiver of Premium 

  
 24 

 KANSAS CITY LIFE 

10 and 20 Year Term Premium Rates 
 Waiver of Premium 
 Sheet1 

 

											
	Annual Rider Rates per 1000	  	 	 	 	  	 	  	YRT Rates
After Initial
Term Period
						
	Age	  	Level 10	  	Age	 	Level 20	  	Age	  	 
						
	20	  	0.10	  	20	 	0.11	  	30	  	0.11
	21	  	0.10	  	21	 	0.11	  	31	  	0.11
	22	  	0.10	  	22	 	0.11	  	32	  	0.11
	23	  	0.10	  	23	 	0.11	  	33	  	0.12
	24	  	0.10	  	24	 	0.11	  	34	  	0.12
	25	  	0.10	  	25	 	0.11	  	35	  	0.13
	26	  	0.10	  	26	 	0.11	  	36	  	0.14
	27	  	0.10	  	27	 	0.11	  	37	  	0.15
	28	  	0.10	  	28	 	0.11	  	38	  	0.16
	29	  	0.10	  	29	 	0.11	  	39	  	0.18
	30	  	0.10	  	30	 	0.11	  	40	  	0.20
	31	  	0.10	  	31	 	0.11	  	41	  	0.22
	32	  	0.10	  	32	 	0.11	  	42	  	0.24
	33	  	0.11	  	33	 	0.12	  	43	  	0.27
	34	  	0.11	  	34	 	0.12	  	44	  	0.30
	35	  	0.12	  	35	 	0.13	  	45	  	0.34
	36	  	0.12	  	36	 	0.14	  	46	  	0.42
	37	  	0.13	  	37	 	0.15	  	47	  	0.48
	38	  	0.14	  	38	 	0.16	  	48	  	0.55
	39	  	0.15	  	39	 	0.18	  	49	  	0.67
	40	  	0.17	  	40*	 	0.20	  	50	  	0.75
	41	  	0.19	  	41*	 	0.22	  	51	  	1.04
	42	  	0.21	  	42*	 	0.24	  	52	  	1.32
	43	  	0.24	  	43*	 	0.27	  	53	  	1.63
	44	  	0.27	  	44*	 	0.30	  	54	  	2.04
	45	  	0.29	  	45*	 	0.34	  	55	  	2.46
	46	  	0.31	  	46*	 	0.42	  	56+	  	3.00
	47	  	0.35	  	47*	 	0.48	  	57+	  	3.30
	48	  	0.42	  	48*	 	0.55	  	58+	  	3.82
	49	  	0.51	  	49*	 	0.67	  	59+	  	4.91
	50*	  	0.64	  	50*	 	0.75	  		  	
	51*	  	0.81	  	51*	 	1.04	  		  	
	52*	  	1.01	  	52*	 	1.32	  		  	
	53*	  	1.23	  	53*	 	1.63	  		  	
	54*	  	1.53	  	54*	 	2.04	  		  	
	55*	  	1.93	  	55*	 	2.46	  		  	

  

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

	+	Rates for Renewal Only 

  
 1 of 1

 SCHEDULE 8-IV 
 NET COINSURANCE PREMIUMS 
 RATES AFTER EXERCISE OF TERM CONVERSION
OPTION 
 Reinsurance Rates For After Conversion 

  
 25 

 Male Nonsmoker/Age Nearest Birthday 

Policy Year 
  

																																																																					
	 Issue

Age
	  	Policy Year	 	  	Attained
Age	 
	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	Ult	 	  
	 0
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	15	  
	 1
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	16	  
	 2
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	17	  
	 3
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	18	  
	 4
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	19	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 5
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	20	  
	 6
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	21	  
	 7
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	22	  
	 8
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	23	  
	 9
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	24	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 10
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	25	  
	 11
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	26	  
	 12
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	27	  
	 13
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	28	  
	 14
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	29	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 15
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	30	  
	 16
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	31	  
	 17
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	32	  
	 18
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	33	  
	 19
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	34	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 20
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	35	  
	 21
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	36	  
	 22
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	37	  
	 23
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	38	  
	 24
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	39	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 25
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	40	  
	 26
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	41	  
	 27
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	42	  
	 28
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	43	  
	 29
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	44	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 30
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	45	  
	 31
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	46	  
	 32
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	47	  
	 33
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	48	  
	 34
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	49	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 35
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	50	  
	 36
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	51	  
	 37
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	52	  
	 38
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	53	  
	 39
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	54	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 40
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	55	  
	 41
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	56	  
	 42
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	57	  
	 43
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	58	  
	 44
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	59	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 45
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	60	  
	 46
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	61	  
	 47
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	62	  
	 48
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	63	  

 Male Nonsmoker/Age Nearest Birthday 

Policy Year 
  

																																																																					
	 Issue

Age
	  	Policy Year	 	  	Attained
Age	 
	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	Ult	 	  
	 49
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	64	  
	 50
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	65	  
	 51
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	66	  
	 52
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	67	  
	 53
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	68	  
	 54
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	69	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 55
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	70	  
	 56
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	71	  
	 57
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	72	  
	 58
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	73	  
	 59
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	74	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 60
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	75	  
	 61
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	76	  
	 62
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	77	  
	 63
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	78	  
	 64
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	79	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 65
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	80	  
	 66
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	81	  
	 67
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	82	  
	 68
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	83	  
	 69
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	84	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 70
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	85	  
	 71
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	86	  
	 72
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	87	  
	 73
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	88	  
	 74
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	89	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 75
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	90	  
	 76
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	91	  
	 77
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	92	  
	 78
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	93	  
	 79
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	94	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 80
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	95	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	[****]	  	  	 	96	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	[****]	  	  	 	97	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	[****]	  	  	 	98	  
		  				  	 	SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING	  	  				  				  				  				  	 	[****]	  	  	 	99	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	 	 	  	 	 	 
		  				  	 	BY THE APPROPRIATE EXTRA MORTALITY FACTOR (25% PER TABLE)	  	  				  				  				  	 	[****]	  	  	 	100	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	[****]	  	  	 	101	  
		  				  	 	FEMALE RATES:	  	  	 	AGES 0	  	  	 	SAME AS MALE RATES	  	  				  				  	 	[****]	  	  	 	102	  
		  				  				  				  				  	 	AGES 25 29	  	  	 	SAME AS MALE AGE 25 RATES	  	  				  				  	 	[****]	  	  	 	103	  
		  				  				  				  				  	 	AGES 30 & OVER	  	  	 	SAME AS MALE RATES 5 YEARS YOUNGER	  	  				  				  	 	[****]	  	  	 	104	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	 	 	  	 	 	 
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	[****]	  	  	 	105	  
		  				  				  				  				  				  				  				  				  				  				  				  				  				  				  				  	 	 	 	  	 	 	 

 Male Smoker/Age Nearest Birthday 

Policy Year 
  

																																																																					
	 Issue
 Age
	  	Policy Year	 	  	Attained
Age	 
	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	Ult	 	  
	 0
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	15	  
	 1
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	16	  
	 2
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	17	  
	 3
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	18	  
	 4
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	19	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 5
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	20	  
	 6
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	21	  
	 7
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	22	  
	 8
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	23	  
	 9
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	24	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 10
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	25	  
	 11
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	26	  
	 12
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	27	  
	 13
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	28	  
	 14
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	29	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 15
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	30	  
	 16
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	31	  
	 17
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	32	  
	 18
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	33	  
	 19
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	34	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 20
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	35	  
	 21
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	36	  
	 22
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	37	  
	 23
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	38	  
	 24
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	39	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 25
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	40	  
	 26
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	41	  
	 27
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	42	  
	 28
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	43	  
	 29
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	44	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 30
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	45	  
	 31
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	46	  
	 32
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	47	  
	 33
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	48	  
	 34
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	49	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 35
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	50	  
	 36
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	51	  
	 37
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	52	  
	 38
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	53	  
	 39
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	54	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 40
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	55	  
	 41
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	56	  
	 42
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	57	  
	 43
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	58	  
	 44
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	59	  
		  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 45
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	60	  
	 46
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	61	  
	 47
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	62	  
	 48
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	63	  

 Male Smoker/Age Nearest Birthday 

Policy Year 
  

																																																																					
	 Issue
 Age
	 	Policy Year	 	 	Attained
Age	 
	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10	 	 	11	 	 	12	 	 	13	 	 	14	 	 	15	 	 	Ult	 	 
	49	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	64	  
	50	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	65	  
	51	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	66	  
	52	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	67	  
	53	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	68	  
	54	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	69	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	55	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	70	  
	56	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	71	  
	57	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	72	  
	58	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	73	  
	59	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	74	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	60	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	75	  
	61	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	76	  
	62	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	77	  
	63	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	78	  
	64	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	79	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	65	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	80	  
	66	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	81	  
	67	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	82	  
	68	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	83	  
	69	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	84	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	70	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	85	  
	71	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	86	  
	72	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	87	  
	73	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	88	  
	74	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	89	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	75	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	90	  
	76	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	91	  
	77	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	92	  
	78	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	93	  
	79	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	94	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	80	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	[****]	  	 	 	95	  
		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	[****]	  	 	 	96	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	[****]	  	 	 	97	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	[****]	  	 	 	98	  
		 				 	 	SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING	  	 				 				 	 	[****]	  	 	 	99	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	 	 	 	 	 	 
		 				 	 	BY THE APPROPRIATE EXTRA MORTALITY fACTOR (25% PER TABLE)	  	 				 	 	[****]	  	 	 	100	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	[****]	  	 	 	101	  
		 				 	 	FEMALE RATES:	  	 	 	AGES 0 - 24	  	 				 	 	SAME AS MALE RATES	  	 				 				 	 	[****]	  	 	 	102	  
		 				 				 				 	 	AGES 25 - 29	  	 				 	 	SAME AS MALE AGE 25 RATES	  	 				 				 	 	[****]	  	 	 	103	  
		 				 				 				 	 	AGES 30 & OVER	  	 				 	 	SAME AS MALE RATES 5 YEARS YOUNGER	  	 				 				 	 	[****]	  	 	 	104	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	 	 	 	 	 	 
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	[****]	  	 	 	105	  
		 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				 	 	 	 	 	 	 	 

 SCHEDULE C 
 REPORTING INFORMATION 
 INFORMATION ON RISKS REINSURED 

1. Type of Transaction 
 2. Effective Date of
Transaction 
 3. Automatic/Facultative Indicator 
 4. Policy Number 
 5. Full Name of Insured 
 6. Date of Birth 
 7. Sex 
 8. SmokerlNonsmoker 
 9. Policy Plan Code 
 10. Insured’s State of Residence 
 11. Issue Age 

12. Issue Date 
 13. Duration from Original
Policy Date 
 14. Face Amount Issued 

15. Reinsured Amount (Initial Amount) 
 16.
Reinsured Amount (Current Amount at Risk) 
 17. Change in Amount at Risk Since Last Report 

18. Death Benefit Option (For Universal Life Type Plans) 
 19. ADS Amount (If Applicable) 
 20. Substandard Rating 

21. Flat Extra Amount Per Thousand 
 22. Duration
of Flat Extra 
 23. PW Rider (Yes or No) 
 24. Previous Policies (Yes or No) 
 25. Net Coinsurance Premiums 

  
 26 

 SCHEDULE C, CONTINUED 

SAMPLE POLICY EXHIBIT SUMMARY 
 (Life Reinsurance Only) 
 CEDING COMPANY: 

REINSURER: 
 ACCOUNT NO: 

PREPARED BY: 
 DATE
PREPARED:                                        
                    Phone: ~ 
 TYPE OF
REINSURANCE: 
 Yearly Renewable Term 
 Coinsurance 
 Modified Coinsurance 

Other 
 VALUATION DATE:

  

							
	 	 	 NUMBER OF
 POLICIES
	  	AMOUNT OF
REINSURANCE	 
	 A. In Force Beginning of Period
 B. New Paid Reinsurance Ceded
 C. Reinstatements

D. Revivals
 E. Increases
(Net)
 F. Conversion In
 G.
Transfers In
 H. Total Increases (B - G)
 I. Deaths
 J. Maturities
 K. Cancellations
 L. Expires
 M. Surrenders
 N. Lapses
 O. Recaptures
 P. Other Decreases (Net)

Q. Reductions
 R. Conversions
Out
 S. Transfers Out
 T.
Total Decreases (I - S)
 U. Current In Force
 (A + H-T)
	 		  			

  
 27 

 SCHEDULE C, CONTINUED 

SAMPLE RESERVE CREDIT SUMMARY 
 CEDING COMPANY: 
 REINSURER: 
 ACCOUNT NO: 
 PREPARED BY: 
 DATE
PREPARED:                                        
                    Phone: ~ 
 TYPE OF
REINSURANCE: 
 Yearly Renewable Term 
 Coinsurance 
 Modified Coinsurance 

Other 
 VALUATION DATE:

 TYPE OF RESERVES: 

Statutory 

GAAP 
 Tax

  

																													
	 	  	MORTALITY	 	  	VALUATION BASIS
INTEREST	 	  	VALUATION	 	  	ISSUE
YEAR
RANGE	 	  	INFORCE
COUNT	 	  	INFORCE
AMOUNT	 	  	RESERVE
CREDIT	 
								
	 A. Life Insurance
	  				  				  				  				  				  				  			
								
	 B. Accidental Death Benefit
	  				  				  				  				  				  				  			
								
	 C. Disability Active Lives
	  				  				  				  				  				  				  			
								
	 D. Disability Disabled Lives
	  				  				  				  				  				  				  			
								
	 E. Other
	  				  				  				  				  				  				  			
								
	 Please Explain
	  				  				  				  				  				  				  			

 GRAND
TOTAL:                                 

  
 28 

 SCHEDULE C, CONTINUED 

SAMPLE ACCOUNTING SUMMARY 

CEDING COMPANY: 
 REINSURER: 

ACCOUNT NO: 
 PREPARED BY: 

DATE
PREPARED:                                        
                Phone: 
 TYPE OF REINSURANCE: 

Yearly Renewable Term 
 Coinsurance 
 Modified Coinsurance 

Other 
 VALUATION DATE:

  

															
	 	  	LIFE	  	WP	 	  	AD	 	  	TOTAL	 
					
	Coinsurance Premiums	  		  				  				  			
	 First Year
	  		  				  				  			
	 Renewal
	  		  				  				  			
					
	Coinsurance Allowances	  		  				  				  			
	 First Year
	  		  				  				  			
	 Renewal
	  		  				  				  			
					
	 Adjustments
	  		  				  				  			
	 First Year
	  		  				  				  			
	 Renewal
	  		  				  				  			
					
	 Net Due Reinsurer
	  		  				  				  			
	 First Year
	  		  				  				  			
	 Renewal
	  		  				  				  			
					
	 TOTAL DUE
	  		  				  				  			

 (The above information should be a summary of the detailed 

information provided to Reinsurer.) 

  
 29 

 SCHEDULE D 
 FACULTATIVE FORMS 
 (See attached sample forms.) 

Application for Reinsurance 
 Notification of Reinsurance 

  
 30 

 EXHIBIT I 
 CEDING COMPANY’S UNDERWRITING GUIDELINES 

  
 31 

 Underwriting 
 Requirements 
 Guide 
 April 2001 
 KANSAS CITY LIFE 

 Medical Underwriting Guidelines 

 

											
	Amounts	 	0-14	 	15-39	 	40-49	 	50-65	 	66 & over
						
	$0 to 49,999	 	Non-Med	 	Non-Med	 	Non-Med	 	Paramed
Non-med*	 	Paramed
Non-med*
						
	50,000 to 99,999	 	Non-Med	 	Oral Fluids	 	Oral Fluids	 	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS
						
	100,000 to
300,000	 	Non-Med	 	Amplified
Blood Profile
HOS	 	Amplified
Blood Profile
HOS	 	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS, EKG
						
	300,001 to
1,000,000	 	Consult
Home Office	 	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS, EKG	 	Paramed
Blood Profile
HOS, EKG
						
	1,000,001 to
2,000,000	 	Consult
Home Office	 	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS, EKG	 	MD Exam
Blood Profile
HOS, EKG	 	MD Exam
Blood Profile
HOS, EKG
						
	Over $2,000,000	 	Consult
Home Office	 	Paramed
Blood Profile
HOS, EKG	 	MD Exam
Blood Profile
HOS, EKG	 	MD Exam
Blood Profile
HOS, EKG**	 	MD Exam
Blood Profile
HOS, 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 plus coverage in force with Kansas City life issued within the last 10 years. 
 Blood Profile and HOS are determined by coverage applied for plus coverage 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. 

 Amplified Blood Profile 
 Includes blood profile as well as height, weight, blood pressure, pulse and Home Office Specimen (HOS). Arrange to be done through the examiner. The health statement on the application must be completed.

 Paramedical 
 A basic
paramedical examination. This includes a medical history, height, weight, blood pressure, pulse and urine test. 
 Approved
Paramedical Companies 
 Examination Management Services, Inc. 

 

					
	 (EMSI)
	  	 	800-872-3674	  
	 Portamedic
	  	 	800-782-7373	  
	 APPS
	  	 	800-635-1677	  
	 Exam One
	  	 	800-333-9947	  

 Examiners associated with appointed
paramedical organizations will be aware of our requirements for the age and amount applied for. They should have the necessary supplies including the kits for blood profile. 
 Examinations 
 Agents are to furnish the doctor or paramed with the proper exam form. Exams
are to be mailed directly to the Home Office whether completed by paramed or M.D. They are not to be sent through the agent or agency. When our requirements call for a paramed and the agent or applicant chooses to use a doctor, the maximum amount to
be paid by Kansas City Life is the amount of the sight draft attached to the exam form, $75.00. 
 M.D. Exam 

Any licensed practicing family or general practitioner including the personal physician, either an M.D. or D.O can perform the exam. 

12 lead resting electrocardiogram without interpretation. Arrange to be done through the examiner. 

Stress electrocardiogram (treadmill) without interpretation. Arrange to be done through the examiner. 

Blood chemistry panel. (Special kits are available at KCL Home Office and must be delivered to the examiner at the time of the exam. Our appointed
paramedical facilities also stock them. The blood sample is forwarded to LabOne, P.O. Box 2035, Shawnee Mission, KS 6620 1-9952 or Osborn Laboratories. P.O. Box 2920, Shawnee Mission, KS 66201.) The applicant should fast for 4 hours before the blood
is drawn. 
 Home Office Specimen (urine sample) is to be forwarded to LabOne, P.O. Box 2035, Shawnee Mission, KS 66201-9952 or Osborn
Laboratories. P.O. Box 2920, Shawnee Mission, KS 66201. 
 Oral Fluid Specimen 
 A non-invasive collection device to collect oral fluid specimens. The specimen is to be collected by the agent and forwarded to LabOne, P.O. Box 2035, Shawnee Mission, KS 66201-9952. 

 Age of insured for these products is determined by age nearest birthday. 

Inspections 
 Home Office or third party
interview inspections may be made on life applications. ALL applicants must be given the notice that they may be inspected (Privacy Notice attached to application). 
 Temporary Insurance Agreements (TIA) 
 General 

A TIA should be used whenever the Primary Insured submits money for a policy (except an annuity) before it is issued. No money may be submitted on
applications for over $1,000,000. 
 Premium Requirements 
 To bind coverage under the TIA, the premium submitted with the application should be the greater of the following’ 
  

	(1)	the full modal premium stated on the application; or 

  

	(2)	two monthly premiums (one monthly premium for PAC or Combined Billing/Family Plan modes) in cash. 

“Monthly premium” referred to above is defined as follows: 
  

	(1)	for new business, rollovers, conversions and exchanges: 

  

	 	(a)	traditional policies: the full monthly premium. 

  

	 	(b)	UL policies: the greater of the planned premium on a monthly mode and the minimum monthly premium. 

 

	 	(c)	single premium UL rollover: the minimum monthly premium. 

 The amount of premium submitted is subject to a maximum of the modal/planned premium for $250,000 face amount. 
 Financial Underwriting 
  

			
	 Purpose
	  	Formula
		
	 Personal Coverage
	  	Age Factor
	 and income
	  	20-35 20
	 Replacement
	  	36-40 17
	 (Factor x income)
	  	41-45 14
		  	46-50 12
		  	51-59 10
		  	60-65 7
		  	66+ 5

 Estate Planning Taxable Estate Value
x Tax Rato 
 Juvenile Coverage Individual Consideration 
 Charitable Giving Individual Consideration 
 Buy/Sell, Stock Business Valuation x Redemption
Percent of Ownership 
 Key Person 5- 10 X Current Salary Plus bonus 
 Creditor, Loan 75% Of Outstanding Coverage Loan Amount 
 Please keep in mind that the above
guidelines are rules of thumb and should not be used in place of in depth financial planning analysis of your client’s needs. For more specific information and requirements, refer to the Financial Underwriting module. 

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	  	    1 year nicotine free

			
		
	    Blood Pressure Control	  	Ages 0-50 135/85
		  	Ages 51-up 145/90
		
	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
 before age 60, or presence of

any other hereditary disease.

		
	Driving History	  	 No more than 2 moving

violations in the last 3 years.

		
	Total Cholesterol	  	250 max
		
	Cholesterol/HDL Ratio 6.5	  	
		
	Aviation	  	 No private pilots unless

aviation exclusion is used.
 Pilots with flat
extra would not
 qualify. Commercial pilots
 would be 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’l0”	 	213
	4’l0”	 	146	 	5’ll”	 	219
	4’ll”	 	151	 	6’0”	 	225
	5’0”	 	157	 	6’l”	 	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

 Preferred Elite Underwriting
Guidelines for Level 10 and Level 20 Products 

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

			
	• Tobacco Use	  	    5 years nicotine free

			
	
	Blood Pressure Control No medication
		
		  	Ages 0-50 135/85
		
		  	Ages 51-up 140/90
		
	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 prior to age 60
 in parents or siblings, or presence
 of any other hereditary disease.

		
	Driving History	  	 No more than 2 moving

violations in the last 3 years or
 any DUT within
the last 5 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 would not qualify. Commercial

pilots would be eligible.

	
	Foreign Travel/Residence Must be a permanent resident and no extensive foreign travel.
		
	Occupation	  	Not hazardous
		
	Avocation	  	Not rateable

 • 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’l0”	 	192
	4’l0”	 	132	 	5’ll”	 	197
	4’ll”	 	136	 	6’0”	 	203
	5’0”	 	141	 	6’l”	 	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

 AMENDMENT 1 
 Effective September 1, 2002 
 To 

AUTOMATIC AND FACULTATIVE 
 REINSURANCE AGREEMENT 
 (COINSURANCE BASIS) 

Effective May 1, 2002 
 (the “Agreement”) 
 between 

KANSAS CITY LIFE INSURANCE COMPANY 
 (“Ceding Company”) 
 and 

SECURITY LIFE OF DENVER INSURANCE COMPANY 
 (“Reinsurer”) 
 WHEREAS, the Reinsurer currently reinsures Ceding Company’s plans
under the Agreement; and 
 WHEREAS, the Ceding Company wishes to amend or modify the following for policies issued on or after the Effective
Date of this Amendment: 
 1. Plans Reinsured; and 
 2. Automatic Reinsurance Amount; and 
 3. Automatic Net Coinsurance Premiums -
Life; and 
 WHEREAS, the Reinsurer wishes to accept these amendments and modifications; 

AGREEMENT 
 The parties
agree to the following: 
 1. Schedule A, Section 1, Automatic Reinsurance, is amended to include the following: 

Effective September 1. 2002: 
  

	
	Plans
	
	Advantage 10 Year Level Premium Term Plan
	
	Advantage 15 Year Level Premium Term Plan
	
	Advantage 20 Year Level Premium Term Plan
	
	Advantage 30 Year Level Premium Term Plan
	
	Non-Advantage 15 Year Level Premium Term Plan
	
	Non-Advantage 30 Year Level Premium Term Plan

  
 1Of4

 2. Schedule A, Section 2.a, Automatic Reinsurance Amount, is amended to include the following:

 Effective September 1. 2002. 
 The Ceding Company will retain 10.0% of the Net Amount at Risk, as defined in Section 8 of Schedule A, up to the Ceding Company’s Maximum Dollar Retention Limits as shown in Section 3 of
Schedule A, with the remaining amount to be ceded to the pool. 
 Subject to the Reinsurers’ Automatic Acceptance Limits in
Section 4 of Schedule A, the Reinsurer shall reinsure 90.0% of the ceded Net amount at Risk. 
 3. Schedule B, Section 1.a is amended to
include the following: 
 Effective September 1. 2002: 

Net coinsurance premiums pursuant to Article 7.c. are determined using the following: the standard annual coinsurance premiums per $1000
reinsured are the KCL Final Term Rates, attached to this Amendment 1, as schedule B-V. 
 The coinsurance allowances are the
Gross Allowances, attached to this Amendment 1, as Schedule B-VI, with the Ceding Company receiving these allowances less [****]* in all years. 
  

	*	This is the fee being paid directly to [****] by the Reinsurer on behalf of the Ceding Company. 

 4. Except as herein amended, all other terms and conditions of this Agreement shall remain unchanged. 
 In witness of the above, Ceding Company and the Reinsurer have, by their respective officers, executed and delivered this Amendment in duplicate on the dates indicated below, with an effective date of
September 1, 2002. 
  

									
	 KANSAS CITY LIFE INSURANCE
 COMPANY
	 		 	 SECURITY LIFE OF DENVER
 INSURANCE COMPANY

					
	By:	  	/s/ Donald C. Remfert	 		 	By:	 	/s/ Jim Koher
					
	Title:	  	AVP & Associate Actuary	 		 	Title:	 	Executive Director
					
	Date:	  	7/25/03	 		 	Date:	 	7/31/03
					
	By:	  	/s/ David L. Metzler	 		 	By:	 	/s/ Lloyd Spencer
					
	Title:	  	AVP & Associate Actuary	 		 	Title:	 	Vice President
					
	Date:	  	7/25/03	 		 	Date:	 	August 1, 2003

 SCHEDULE_V 
 NET COINSURANCE PREMIUMS 
 STANDARD ANNUAL COINSURANCE PREMIUMS

 KCL Final Term Rates 

  
 3Of4

 0252·3153·01 Schedule a-v.xrs, Level 15 Nonadvantage 

Rates for Initial Guaranteed Period 
  

					
	 RATES
	  	 	 
	 Level 15
	  	 	1/6/03	  

  

																																											
	 	 	  	MALE	 	  	FEMALE	 
	 Issue
Age
	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	5T	 	  	PBN	 	  	PNT	 	  	5NT	 	  	PT15T	 	  	 	 
	 	18	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	19	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	20	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	21	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	22	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	23	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	24	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	25	  	  	 	0.49	  	  	 	0.62	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.43	  	  	 	0.50	  	  	 	0.68	  	  	 	1.06	  	  	 	1.46	  
	 	26	  	  	 	0.49	  	  	 	0.63	  	  	 	0.89	  	  	 	1.33	  	  	 	2.20	  	  	 	0.44	  	  	 	0.52	  	  	 	0.68	  	  	 	1.06	  	  	 	1.47	  
	 	27	  	  	 	0.50	  	  	 	0.64	  	  	 	0.90	  	  	 	1.34	  	  	 	2.20	  	  	 	0.46	  	  	 	0.54	  	  	 	0.68	  	  	 	1.07	  	  	 	1.48	  
	 	28	  	  	 	0.51	  	  	 	0.65	  	  	 	0.91	  	  	 	1.35	  	  	 	2.21	  	  	 	0.48	  	  	 	0.56	  	  	 	0.68	  	  	 	1.07	  	  	 	1.50	  
	 	29	  	  	 	0.52	  	  	 	066	  	  	 	0.92	  	  	 	1.36	  	  	 	2.22	  	  	 	0.50	  	  	 	0.58	  	  	 	0.68	  	  	 	1.08	  	  	 	1.53	  
	 	30	  	  	 	0.53	  	  	 	0.67	  	  	 	0.93	  	  	 	1.40	  	  	 	2.23	  	  	 	0.52	  	  	 	0.59	  	  	 	0.68	  	  	 	1.09	  	  	 	1.55	  
	 	31	  	  	 	053	  	  	 	0.68	  	  	 	0.94	  	  	 	1.43	  	  	 	2.24	  	  	 	0.52	  	  	 	0.59	  	  	 	0.70	  	  	 	1.11	  	  	 	1.58	  
	 	32	  	  	 	0.54	  	  	 	0.69	  	  	 	0.96	  	  	 	1.48	  	  	 	2.25	  	  	 	0.52	  	  	 	0.60	  	  	 	0.72	  	  	 	1.15	  	  	 	1.65	  
	 	33	  	  	 	0.55	  	  	 	0.70	  	  	 	0.98	  	  	 	1.54	  	  	 	2.28	  	  	 	0.53	  	  	 	0.61	  	  	 	0.75	  	  	 	1.18	  	  	 	1.69	  
	 	34	  	  	 	0.56	  	  	 	0.71	  	  	 	1.00	  	  	 	1.61	  	  	 	2.32	  	  	 	0.53	  	  	 	0.62	  	  	 	0.78	  	  	 	1.23	  	  	 	1.76	  
	 	35	  	  	 	0.57	  	  	 	0.72	  	  	 	1.02	  	  	 	1.70	  	  	 	2.31	  	  	 	0.53	  	  	 	0.63	  	  	 	0.83	  	  	 	1.30	  	  	 	1.83	  
	 	36	  	  	 	0.60	  	  	 	0.16	  	  	 	1.07	  	  	 	1.83	  	  	 	2.56	  	  	 	0.56	  	  	 	0.61	  	  	 	0.88	  	  	 	1.40	  	  	 	1.96	  
	 	37	  	  	 	0.64	  	  	 	0.80	  	  	 	1.13	  	  	 	1.91	  	  	 	2.71	  	  	 	0.59	  	  	 	0.71	  	  	 	0.93	  	  	 	1.52	  	  	 	2.08	  
	 	38	  	  	 	0.68	  	  	 	0.84	  	  	 	1.16	  	  	 	2.14	  	  	 	3.01	  	  	 	0.62	  	  	 	0.75	  	  	 	0.99	  	  	 	1.64	  	  	 	2.24	  
	 	39	  	  	 	0.73	  	  	 	0.69	  	  	 	1.26	  	  	 	2.33	  	  	 	3.28	  	  	 	0.65	  	  	 	0.80	  	  	 	1.06	  	  	 	1.79	  	  	 	2.43	  
	 	40	  	  	 	0.78	  	  	 	0.95	  	  	 	1.33	  	  	 	2.53	  	  	 	3.58	  	  	 	0.69	  	  	 	0.85	  	  	 	1.13	  	  	 	1.94	  	  	 	2.62	  
	 	41	  	  	 	0.85	  	  	 	1.03	  	  	 	1.44	  	  	 	2.82	  	  	 	3.92	  	  	 	0.76	  	  	 	0.93	  	  	 	1.23	  	  	 	2.15	  	  	 	2.86	  
	 	42	  	  	 	0.93	  	  	 	1.11	  	  	 	1.57	  	  	 	3.15	  	  	 	4.29	  	  	 	0.83	  	  	 	1.01	  	  	 	1.33	  	  	 	2.35	  	  	 	3.11	  
	 	43	  	  	 	1.01	  	  	 	1.20	  	  	 	1.70	  	  	 	3.51	  	  	 	4.70	  	  	 	0.90	  	  	 	1.09	  	  	 	1.43	  	  	 	2.57	  	  	 	3.35	  
	 	44	  	  	 	1.11	  	  	 	1.31	  	  	 	1.86	  	  	 	3.90	  	  	 	5.13	  	  	 	0.98	  	  	 	1.18	  	  	 	1.54	  	  	 	2.80	  	  	 	3.61	  
	 	45	  	  	 	1.21	  	  	 	1.42	  	  	 	2.03	  	  	 	4.32	  	  	 	5.58	  	  	 	1.06	  	  	 	1.28	  	  	 	1.66	  	  	 	3.04	  	  	 	3.88	  
	 	46	  	  	 	1.33	  	  	 	1.58	  	  	 	2.26	  	  	 	4.79	  	  	 	6.20	  	  	 	1.12	  	  	 	1.36	  	  	 	1.76	  	  	 	3.26	  	  	 	4.16	  
	 	47	  	  	 	1.45	  	  	 	1.71	  	  	 	2.52	  	  	 	5.30	  	  	 	6.88	  	  	 	1.19	  	  	 	1.45	  	  	 	1.87	  	  	 	3.49	  	  	 	4.47	  
	 	48	  	  	 	1.59	  	  	 	1.97	  	  	 	2.80	  	  	 	5.86	  	  	 	7.64	  	  	 	1.27	  	  	 	1.55	  	  	 	1.99	  	  	 	3.75	  	  	 	4.80	  
	 	49	  	  	 	1.75	  	  	 	2.21	  	  	 	3.13	  	  	 	6.49	  	  	 	8.49	  	  	 	1.35	  	  	 	1.65	  	  	 	2.12	  	  	 	4.03	  	  	 	5.16	  
	 	50	  	  	 	1.94	  	  	 	2.48	  	  	 	3.51	  	  	 	7.21	  	  	 	9.46	  	  	 	1.44	  	  	 	1.77	  	  	 	2.27	  	  	 	4.33	  	  	 	5.55	  
	 	51	  	  	 	2.11	  	  	 	2.65	  	  	 	3.76	  	  	 	7.78	  	  	 	10.05	  	  	 	1.55	  	  	 	1.91	  	  	 	2.45	  	  	 	4.64	  	  	 	5.99	  
	 	52	  	  	 	2.30	  	  	 	2.83	  	  	 	4.03	  	  	 	8.42	  	  	 	10.69	  	  	 	1.68	  	  	 	2.06	  	  	 	2.65	  	  	 	4.99	  	  	 	6.48	  
	 	53	  	  	 	2.51	  	  	 	3.03	  	  	 	4.33	  	  	 	9.10	  	  	 	11.36	  	  	 	1.81	  	  	 	2.21	  	  	 	2.85	  	  	 	5.34	  	  	 	6.99	  
	 	54	  	  	 	2.74	  	  	 	3.25	  	  	 	4.66	  	  	 	9.82	  	  	 	12.02	  	  	 	1.94	  	  	 	2.38	  	  	 	3.07	  	  	 	5.70	  	  	 	7.51	  
	 	55	  	  	 	2.99	  	  	 	3.47	  	  	 	5.00	  	  	 	10.55	  	  	 	12.67	  	  	 	2.08	  	  	 	2.54	  	  	 	3.29	  	  	 	6.05	  	  	 	8.02	  
	 	56	  	  	 	3.30	  	  	 	3.84	  	  	 	5.46	  	  	 	11.47	  	  	 	14.01	  	  	 	2.26	  	  	 	2.73	  	  	 	3.58	  	  	 	6.43	  	  	 	8.71	  
	 	57	  	  	 	3.64	  	  	 	4.26	  	  	 	6.01	  	  	 	12.42	  	  	 	15.45	  	  	 	2.44	  	  	 	2.92	  	  	 	3.87	  	  	 	6.81	  	  	 	9.42	  
	 	58	  	  	 	4.02	  	  	 	4.74	  	  	 	6.61	  	  	 	13.45	  	  	 	17.02	  	  	 	2.64	  	  	 	3.14	  	  	 	4.21	  	  	 	7.22	  	  	 	10.19	  
	 	59	  	  	 	4.45	  	  	 	5.27	  	  	 	7.27	  	  	 	14.59	  	  	 	18.79	  	  	 	2.88	  	  	 	3.39	  	  	 	4.60	  	  	 	7.70	  	  	 	11.09	  
	 	60	  	  	 	4.93	  	  	 	5.87	  	  	 	8.01	  	  	 	15.88	  	  	 	20.79	  	  	 	3.17	  	  	 	3.70	  	  	 	5.08	  	  	 	8.30	  	  	 	12.18	  
	 	61	  	  	 	5.48	  	  	 	6.53	  	  	 	8.83	  	  	 	17.25	  	  	 	22.74	  	  	 	3.48	  	  	 	4.00	  	  	 	5.52	  	  	 	9.14	  	  	 	13.12	  
	 	62	  	  	 	6.10	  	  	 	7.28	  	  	 	9.75	  	  	 	18.77	  	  	 	24.92	  	  	 	3.87	  	  	 	4.31	  	  	 	6.06	  	  	 	10.15	  	  	 	14.27	  
	 	63	  	  	 	6.79	  	  	 	8.11	  	  	 	10.77	  	  	 	20.42	  	  	 	27.30	  	  	 	4.30	  	  	 	4.18	  	  	 	6.66	  	  	 	11.30	  	  	 	15.54	  
	 	64	  	  	 	7.55	  	  	 	9.03	  	  	 	11.88	  	  	 	22.16	  	  	 	29.83	  	  	 	4.77	  	  	 	5.21	  	  	 	7.30	  	  	 	12.52	  	  	 	16.86	  
	 	65	  	  	 	8.38	  	  	 	10.03	  	  	 	13.07	  	  	 	23.95	  	  	 	32.47	  	  	 	5.26	  	  	 	5.64	  	  	 	7.95	  	  	 	13.79	  	  	 	18.18	  
	 	66	  	  	 	9.60	  	  	 	11.23	  	  	 	14.52	  	  	 	27.09	  	  	 	35.92	  	  	 	5.68	  	  	 	6.30	  	  	 	8.76	  	  	 	15.61	  	  	 	20.21	  
	 	67	  	  	 	10.98	  	  	 	12.55	  	  	 	16.12	  	  	 	30.52	  	  	 	39.63	  	  	 	6.55	  	  	 	7.01	  	  	 	9.61	  	  	 	17.55	  	  	 	22.34	  
	 	68	  	  	 	12.54	  	  	 	14.04	  	  	 	17.90	  	  	 	34.33	  	  	 	43.71	  	  	 	7.30	  	  	 	7.80	  	  	 	10.57	  	  	 	19.72	  	  	 	24.70	  
	 	69	  	  	 	14.34	  	  	 	15.74	  	  	 	19.92	  	  	 	38.63	  	  	 	51.48	  	  	 	8.18	  	  	 	8.74	  	  	 	11.69	  	  	 	22.26	  	  	 	27.48	  
	 	70	  	  	 	16.43	  	  	 	17.69	  	  	 	22.24	  	  	 	43.53	  	  	 	58.05	  	  	 	9.26	  	  	 	9.88	  	  	 	13.06	  	  	 	25.41	  	  	 	30.95	  

  

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 1Of8

 0252-3153-01 Schedule B—V.xls, level30 Nonadveraage 

Rates for Initial Guaranteed Period 
  

					
	RATES	  	 	 
	Level 30	  	 	1/7/03	  

  

																																									
	 	 	  	MALE	 	  	FEMALE	 
	 Issue
Age
	 	  	PENT	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PENT	 	  	PNT	 	  	SNT	  	PT	 	  	ST	 
	 	18	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.60	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.60	  
	 	19	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.60	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.60	  
	 	20	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.60	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.60	  
	 	21	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.61	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.61	  
	 	22	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.61	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.62	  
	 	23	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.62	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.63	  
	 	24	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.62	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.64	  
	 	25	  	  	 	1.01	  	  	 	1.23	  	  	 	1.70	  	  	 	2.47	  	  	 	3.63	  	  	 	0.78	  	  	 	1.00	  	  	1.28	  	 	2.05	  	  	 	2.65	  
	 	26	  	  	 	1.02	  	  	 	1.24	  	  	 	1.71	  	  	 	2.49	  	  	 	3.66	  	  	 	0.79	  	  	 	1.01	  	  	1.29	  	 	2.06	  	  	 	2.72	  
	 	27	  	  	 	1.03	  	  	 	1.25	  	  	 	1.73	  	  	 	2.51	  	  	 	3.69	  	  	 	0.80	  	  	 	1.01	  	  	1.31	  	 	2.08	  	  	 	2.80	  
	 	28	  	  	 	1.04	  	  	 	1.28	  	  	 	1.75	  	  	 	2.55	  	  	 	3.72	  	  	 	0.81	  	  	 	1.02	  	  	1.34	  	 	2.10	  	  	 	2.91	  
	 	29	  	  	 	1.06	  	  	 	1.31	  	  	 	1.77	  	  	 	2.61	  	  	 	3.75	  	  	 	0.82	  	  	 	1.02	  	  	1.36	  	 	2.14	  	  	 	3.03	  
	 	30	  	  	 	1.08	  	  	 	1.36	  	  	 	1.82	  	  	 	2.71	  	  	 	3.78	  	  	 	0.83	  	  	 	1.03	  	  	1.39	  	 	2.16	  	  	 	3.13	  
	 	31	  	  	 	1.10	  	  	 	1.38	  	  	 	1.89	  	  	 	2.85	  	  	 	3.93	  	  	 	0.84	  	  	 	1.03	  	  	1.42	  	 	2.23	  	  	 	3.17	  
	 	32	  	  	 	1.13	  	  	 	1.42	  	  	 	1.99	  	  	 	3.03	  	  	 	4.14	  	  	 	0.86	  	  	 	1.04	  	  	1.46	  	 	2.33	  	  	 	3.24	  
	 	33	  	  	 	1.16	  	  	 	1.46	  	  	 	2.11	  	  	 	3.24	  	  	 	4.38	  	  	 	0.88	  	  	 	1.05	  	  	1.51	  	 	2.44	  	  	 	3.34	  
	 	34	  	  	 	1.20	  	  	 	1.51	  	  	 	2.24	  	  	 	3.49	  	  	 	4.67	  	  	 	0.90	  	  	 	1.07	  	  	1.56	  	 	2.56	  	  	 	3.44	  
	 	35	  	  	 	1.25	  	  	 	1.57	  	  	 	2.38	  	  	 	3.78	  	  	 	5.01	  	  	 	0.94	  	  	 	1.10	  	  	1.65	  	 	2.75	  	  	 	3.57	  
	 	36	  	  	 	1.33	  	  	 	1.65	  	  	 	2.43	  	  	 	4.05	  	  	 	5.37	  	  	 	1.00	  	  	 	1.18	  	  	1.73	  	 	2.95	  	  	 	3.87	  
	 	37	  	  	 	1.42	  	  	 	1.73	  	  	 	2.47	  	  	 	4.35	  	  	 	5.78	  	  	 	1.06	  	  	 	1.26	  	  	1.82	  	 	3.19	  	  	 	4.21	  
	 	38	  	  	 	1.52	  	  	 	1.82	  	  	 	2.51	  	  	 	4.70	  	  	 	6.24	  	  	 	1.12	  	  	 	1.35	  	  	1.91	  	 	3.44	  	  	 	4.58	  
	 	39	  	  	 	1.63	  	  	 	1.93	  	  	 	2.57	  	  	 	5.09	  	  	 	6.77	  	  	 	1.20	  	  	 	1.46	  	  	2.02	  	 	3.73	  	  	 	5.02	  
	 	40	  	  	 	1.75	  	  	 	2.04	  	  	 	2.62	  	  	 	5.51	  	  	 	7.33	  	  	 	1.28	  	  	 	1.58	  	  	2.13	  	 	4.04	  	  	 	5.48	  
	 	41	  	  	 	1.90	  	  	 	2.27	  	  	 	2.93	  	  	 	6.23	  	  	 	8.16	  	  	 	1.40	  	  	 	1.75	  	  	2.36	  	 	4.50	  	  	 	5.94	  
	 	42	  	  	 	2.08	  	  	 	2.52	  	  	 	3.28	  	  	 	7.04	  	  	 	9.08	  	  	 	1.52	  	  	 	1.93	  	  	2.61	  	 	4.97	  	  	 	6.40	  
	 	43	  	  	 	2.29	  	  	 	2.81	  	  	 	3.68	  	  	 	7.95	  	  	 	10.11	  	  	 	1.64	  	  	 	2.12	  	  	2.86	  	 	5.46	  	  	 	6.85	  
	 	44	  	  	 	2.54	  	  	 	3.13	  	  	 	4.12	  	  	 	8.95	  	  	 	11.22	  	  	 	1.77	  	  	 	2.33	  	  	3.14	  	 	5.99	  	  	 	7.33	  
	 	45	  	  	 	2.80	  	  	 	3.49	  	  	 	4.62	  	  	 	10.01	  	  	 	12.39	  	  	 	1.92	  	  	 	2.55	  	  	3.45	  	 	6.55	  	  	 	7.81	  
	 	46	  	  	 	3.03	  	  	 	3.77	  	  	 	4.99	  	  	 	10.90	  	  	 	13.49	  	  	 	2.11	  	  	 	2.73	  	  	3.69	  	 	7.01	  	  	 	8.36	  
	 	47	  	  	 	3.33	  	  	 	4.16	  	  	 	5.48	  	  	 	11.87	  	  	 	14.36	  	  	 	2.33	  	  	 	3.00	  	  	3.99	  	 	7.62	  	  	 	8.88	  
	 	48	  	  	 	3.66	  	  	 	4.58	  	  	 	6.02	  	  	 	12.93	  	  	 	15.28	  	  	 	2.56	  	  	 	3.31	  	  	4.33	  	 	8.30	  	  	 	9.46	  
	 	49	  	  	 	4.04	  	  	 	5.07	  	  	 	6.63	  	  	 	14.11	  	  	 	16.27	  	  	 	2.84	  	  	 	3.66	  	  	4.71	  	 	9.03	  	  	 	10.07	  
	 	50	  	  	 	4.55	  	  	 	5.73	  	  	 	7.44	  	  	 	15.48	  	  	 	16.98	  	  	 	3.15	  	  	 	4.15	  	  	5.20	  	 	9.96	  	  	 	10.63	  

  

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 2Of8

 0252·3153-01 Schedule B-V.xls, level10 Advantage 

Rates for Initial Guaranteed Period 
  

	
	 RATES

	level 10 Advantage 8/28/02

  

																																											
	 	 	  	MALE	 	  	FEMALE	 
	 Issue
Age
	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
											
	 	18	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	19	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	20	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	21	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	22	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	23	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	24	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.66	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	25	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.10	  	  	 	1.67	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.86	  	  	 	1.19	  
	 	26	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.11	  	  	 	1.69	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.88	  	  	 	1.22	  
	 	27	  	  	 	0.35	  	  	 	0.49	  	  	 	0.68	  	  	 	1.12	  	  	 	1.70	  	  	 	0.28	  	  	 	0.36	  	  	 	0.53	  	  	 	0.88	  	  	 	1.23	  
	 	28	  	  	 	0.35	  	  	 	0.49	  	  	 	0.69	  	  	 	1.13	  	  	 	1.72	  	  	 	0.29	  	  	 	0.36	  	  	 	0.54	  	  	 	0.90	  	  	 	1.26	  
	 	29	  	  	 	0.35	  	  	 	0.49	  	  	 	0.69	  	  	 	1.15	  	  	 	1.74	  	  	 	0.29	  	  	 	0.37	  	  	 	0.54	  	  	 	0.91	  	  	 	1.29	  
	 	30	  	  	 	0.36	  	  	 	0.50	  	  	 	0.69	  	  	 	1.16	  	  	 	1.76	  	  	 	0.29	  	  	 	0.37	  	  	 	0.55	  	  	 	0.94	  	  	 	1.32	  
	 	31	  	  	 	0.36	  	  	 	0.50	  	  	 	0.69	  	  	 	1.22	  	  	 	1.77	  	  	 	0.29	  	  	 	0.37	  	  	 	0.55	  	  	 	0.95	  	  	 	1.35	  
	 	32	  	  	 	0.36	  	  	 	0.50	  	  	 	0.69	  	  	 	1.25	  	  	 	1.79	  	  	 	0.29	  	  	 	0.38	  	  	 	0.56	  	  	 	0.97	  	  	 	1.38	  
	 	33	  	  	 	0.36	  	  	 	0.50	  	  	 	0.70	  	  	 	1.30	  	  	 	1.81	  	  	 	0.29	  	  	 	0.38	  	  	 	0.56	  	  	 	1.00	  	  	 	1.43	  
	 	34	  	  	 	0.37	  	  	 	0.50	  	  	 	0.70	  	  	 	1.33	  	  	 	1.82	  	  	 	0.30	  	  	 	0.39	  	  	 	0.58	  	  	 	1.03	  	  	 	1.48	  
	 	35	  	  	 	0.38	  	  	 	0.50	  	  	 	0.70	  	  	 	1.36	  	  	 	1.84	  	  	 	0.31	  	  	 	0.40	  	  	 	0.59	  	  	 	1.06	  	  	 	1.54	  
	 	36	  	  	 	0.39	  	  	 	0.53	  	  	 	0.74	  	  	 	1.44	  	  	 	1.96	  	  	 	0.32	  	  	 	0.42	  	  	 	0.63	  	  	 	1.13	  	  	 	1.64	  
	 	37	  	  	 	0.41	  	  	 	0.57	  	  	 	0.79	  	  	 	1.55	  	  	 	2.11	  	  	 	0.33	  	  	 	0.45	  	  	 	0.68	  	  	 	1.22	  	  	 	1.77	  
	 	38	  	  	 	0.43	  	  	 	0.61	  	  	 	0.85	  	  	 	1.67	  	  	 	2.28	  	  	 	0.35	  	  	 	0.48	  	  	 	0.73	  	  	 	1.32	  	  	 	1.91	  
	 	39	  	  	 	0.46	  	  	 	0.56	  	  	 	0.91	  	  	 	1.80	  	  	 	2.48	  	  	 	0.37	  	  	 	0.52	  	  	 	0.78	  	  	 	1.43	  	  	 	2.06	  
	 	40	  	  	 	0.49	  	  	 	0.71	  	  	 	0.98	  	  	 	1.96	  	  	 	2.70	  	  	 	0.40	  	  	 	0.57	  	  	 	0.85	  	  	 	1.56	  	  	 	2.24	  
	 	41	  	  	 	0.54	  	  	 	0.78	  	  	 	1.09	  	  	 	2.15	  	  	 	2.96	  	  	 	0.44	  	  	 	0.63	  	  	 	0.91	  	  	 	1.69	  	  	 	2.42	  
	 	42	  	  	 	0.59	  	  	 	0.85	  	  	 	1.21	  	  	 	2.37	  	  	 	3.24	  	  	 	0.49	  	  	 	0.68	  	  	 	0.98	  	  	 	1.82	  	  	 	2.60	  
	 	43	  	  	 	0.65	  	  	 	0.93	  	  	 	1.35	  	  	 	2.60	  	  	 	3.54	  	  	 	0.54	  	  	 	0.73	  	  	 	1.05	  	  	 	1.94	  	  	 	2.77	  
	 	44	  	  	 	0.72	  	  	 	1.02	  	  	 	1.50	  	  	 	2.86	  	  	 	3.88	  	  	 	0.59	  	  	 	0.78	  	  	 	1.12	  	  	 	2.06	  	  	 	2.93	  
	 	45	  	  	 	0.80	  	  	 	1.12	  	  	 	1.67	  	  	 	3.14	  	  	 	4.24	  	  	 	0.64	  	  	 	0.83	  	  	 	1.20	  	  	 	2.19	  	  	 	3.10	  
	 	46	  	  	 	0.88	  	  	 	1.20	  	  	 	1.80	  	  	 	3.43	  	  	 	4.62	  	  	 	0.69	  	  	 	0.88	  	  	 	1.28	  	  	 	2.38	  	  	 	3.33	  
	 	47	  	  	 	0.96	  	  	 	1.28	  	  	 	1.90	  	  	 	3.80	  	  	 	5.02	  	  	 	0.74	  	  	 	0.94	  	  	 	1.37	  	  	 	2.58	  	  	 	3.58	  
	 	48	  	  	 	1.05	  	  	 	1.37	  	  	 	2.02	  	  	 	4.14	  	  	 	5.44	  	  	 	0.80	  	  	 	1.00	  	  	 	1.46	  	  	 	2.80	  	  	 	3.84	  
	 	49	  	  	 	1.15	  	  	 	1.47	  	  	 	2.16	  	  	 	4.46	  	  	 	5.88	  	  	 	0.67	  	  	 	1.06	  	  	 	1.56	  	  	 	3.04	  	  	 	4.13	  
	 	50	  	  	 	1.26	  	  	 	1.58	  	  	 	2.31	  	  	 	4.86	  	  	 	6.36	  	  	 	0.95	  	  	 	1.14	  	  	 	1.67	  	  	 	3.30	  	  	 	4.44	  
	 	51	  	  	 	1.38	  	  	 	1.72	  	  	 	2.48	  	  	 	5.20	  	  	 	6.86	  	  	 	1.00	  	  	 	1.22	  	  	 	1.80	  	  	 	3.52	  	  	 	4.77	  
	 	52	  	  	 	1.52	  	  	 	1.89	  	  	 	2.67	  	  	 	5.57	  	  	 	7.45	  	  	 	1.08	  	  	 	1.31	  	  	 	1.94	  	  	 	3.75	  	  	 	5.15	  
	 	53	  	  	 	1.67	  	  	 	2.08	  	  	 	2.89	  	  	 	5.94	  	  	 	8.06	  	  	 	1.17	  	  	 	1.41	  	  	 	2.10	  	  	 	4.02	  	  	 	5.57	  
	 	54	  	  	 	1.82	  	  	 	2.29	  	  	 	3.12	  	  	 	6.38	  	  	 	8.80	  	  	 	1.27	  	  	 	1.51	  	  	 	2.26	  	  	 	4.29	  	  	 	6.00	  
	 	55	  	  	 	1.98	  	  	 	2.53	  	  	 	3.38	  	  	 	6.80	  	  	 	9.67	  	  	 	1.37	  	  	 	1.62	  	  	 	2.43	  	  	 	4.56	  	  	 	6.44	  
	 	56	  	  	 	2.22	  	  	 	2.79	  	  	 	3.70	  	  	 	7.50	  	  	 	10.64	  	  	 	1.48	  	  	 	1.77	  	  	 	2.60	  	  	 	4.94	  	  	 	6.92	  
	 	57	  	  	 	2.50	  	  	 	3.07	  	  	 	4.03	  	  	 	8.25	  	  	 	11.69	  	  	 	1.59	  	  	 	1.92	  	  	 	2.77	  	  	 	5.31	  	  	 	7.38	  
	 	58	  	  	 	2.79	  	  	 	3.39	  	  	 	4.40	  	  	 	9.05	  	  	 	12.85	  	  	 	1.70	  	  	 	2.10	  	  	 	2.94	  	  	 	5.68	  	  	 	7.83	  
	 	59	  	  	 	3.10	  	  	 	3.74	  	  	 	4.81	  	  	 	9.92	  	  	 	14.12	  	  	 	1.82	  	  	 	2.31	  	  	 	3.13	  	  	 	6.09	  	  	 	8.32	  
	 	60	  	  	 	3.44	  	  	 	4.13	  	  	 	5.27	  	  	 	10.89	  	  	 	15.45	  	  	 	1.97	  	  	 	2.53	  	  	 	3.36	  	  	 	6.56	  	  	 	8.90	  
	 	61	  	  	 	3.79	  	  	 	4.53	  	  	 	5.89	  	  	 	11.84	  	  	 	16.84	  	  	 	2.14	  	  	 	2.76	  	  	 	3.59	  	  	 	7.06	  	  	 	9.62	  
	 	62	  	  	 	4.17	  	  	 	4.99	  	  	 	6.61	  	  	 	12.80	  	  	 	18.00	  	  	 	2.36	  	  	 	3.00	  	  	 	3.92	  	  	 	7.70	  	  	 	10.54	  
	 	63	  	  	 	4.59	  	  	 	5.51	  	  	 	7.43	  	  	 	14.55	  	  	 	19.70	  	  	 	2.63	  	  	 	3.30	  	  	 	4.33	  	  	 	8.47	  	  	 	11.66	  
	 	64	  	  	 	5.06	  	  	 	6.09	  	  	 	8.35	  	  	 	16.20	  	  	 	21.23	  	  	 	2.93	  	  	 	3.69	  	  	 	4.79	  	  	 	9.34	  	  	 	12.91	  
	 	65	  	  	 	5.57	  	  	 	6.71	  	  	 	9.42	  	  	 	17.86	  	  	 	22.86	  	  	 	3.25	  	  	 	4.11	  	  	 	5.28	  	  	 	10.26	  	  	 	14.24	  
	 	66	  	  	 	6.33	  	  	 	7.50	  	  	 	10.52	  	  	 	20.04	  	  	 	25.71	  	  	 	3.69	  	  	 	4.62	  	  	 	5.89	  	  	 	11.50	  	  	 	15.70	  
	 	67	  	  	 	7.17	  	  	 	8.36	  	  	 	11.74	  	  	 	22.37	  	  	 	28.76	  	  	 	4.16	  	  	 	5.15	  	  	 	6.52	  	  	 	12.76	  	  	 	17.15	  
	 	68	  	  	 	8.10	  	  	 	9.30	  	  	 	13.10	  	  	 	24.89	  	  	 	32.07	  	  	 	4.67	  	  	 	5.72	  	  	 	7.19	  	  	 	14.08	  	  	 	18.65	  
	 	69	  	  	 	9.15	  	  	 	10.36	  	  	 	14.62	  	  	 	27.68	  	  	 	35.74	  	  	 	5.24	  	  	 	6.36	  	  	 	7.94	  	  	 	15.54	  	  	 	20.29	  
	 	70	  	  	 	10.36	  	  	 	11.56	  	  	 	16.36	  	  	 	30.81	  	  	 	39.76	  	  	 	5.91	  	  	 	7.11	  	  	 	8.82	  	  	 	17.26	  	  	 	22.23	  
	 	71	  	  	 	11.61	  	  	 	13.29	  	  	 	18.65	  	  	 	34.37	  	  	 	43.94	  	  	 	6.67	  	  	 	7.98	  	  	 	9.92	  	  	 	18.68	  	  	 	24.67	  
	 	72	  	  	 	13.06	  	  	 	15.32	  	  	 	21.34	  	  	 	38.44	  	  	 	48.60	  	  	 	7.61	  	  	 	9.04	  	  	 	11.26	  	  	 	20.92	  	  	 	27.65	  
	 	73	  	  	 	14.72	  	  	 	17.66	  	  	 	24.44	  	  	 	43.03	  	  	 	53.81	  	  	 	8.64	  	  	 	10.33	  	  	 	12.88	  	  	 	23.32	  	  	 	31.22	  
	 	74	  	  	 	16.57	  	  	 	20.32	  	  	 	27.92	  	  	 	48.15	  	  	 	59.59	  	  	 	9.96	  	  	 	11.82	  	  	 	14.77	  	  	 	26.05	  	  	 	35.32	  
	 	75	  	  	 	18.57	  	  	 	23.16	  	  	 	31.76	  	  	 	53.76	  	  	 	65.86	  	  	 	11.46	  	  	 	13.51	  	  	 	16.91	  	  	 	29.04	  	  	 	39.86	  

  

	*	Add $70 POLICY FEE 

  
 3Of8

 0252-3153-01 Schedule a-v.xrs. Level15 Advantage 

Rates for Initial Guaranteed Period 
  

	
	 RATES

	 Level 15 Advantage 1/6/03

 

																																											
	 	 	  	MALE	 	  	FEMALE	 
	Issue
Age	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
											
	 	18	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	19	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	20	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	21	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	22	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	23	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	24	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	25	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.90	  	  	 	0.37	  	  	 	0.42	  	  	 	0.58	  	  	 	0.94	  	  	 	1.30	  
	 	26	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.29	  	  	 	1.91	  	  	 	0.37	  	  	 	0.43	  	  	 	0.58	  	  	 	0.95	  	  	 	1.33	  
	 	27	  	  	 	0.43	  	  	 	0.55	  	  	 	0.78	  	  	 	1.30	  	  	 	1.93	  	  	 	0.37	  	  	 	0.45	  	  	 	0.58	  	  	 	0.96	  	  	 	1.36	  
	 	28	  	  	 	0.44	  	  	 	0.56	  	  	 	0.79	  	  	 	1.31	  	  	 	1.95	  	  	 	0.37	  	  	 	0.47	  	  	 	0.59	  	  	 	0.98	  	  	 	1.40	  
	 	29	  	  	 	0.44	  	  	 	0.56	  	  	 	0.79	  	  	 	1.33	  	  	 	1.97	  	  	 	0.38	  	  	 	0.49	  	  	 	0.59	  	  	 	1.00	  	  	 	1.45	  
	 	30	  	  	 	0.44	  	  	 	0.57	  	  	 	0.80	  	  	 	1.35	  	  	 	1.99	  	  	 	0.40	  	  	 	0.50	  	  	 	0.60	  	  	 	1.02	  	  	 	1.49	  
	 	31	  	  	 	0.44	  	  	 	0.57	  	  	 	0.80	  	  	 	1.37	  	  	 	2.00	  	  	 	0.40	  	  	 	0.50	  	  	 	0.61	  	  	 	1.04	  	  	 	1.52	  
	 	32	  	  	 	0.44	  	  	 	0.58	  	  	 	0.81	  	  	 	1.40	  	  	 	2.02	  	  	 	0.41	  	  	 	0.51	  	  	 	0.63	  	  	 	1.07	  	  	 	1.56	  
	 	33	  	  	 	0.44	  	  	 	0.58	  	  	 	0.82	  	  	 	1.43	  	  	 	2.04	  	  	 	0.41	  	  	 	0.52	  	  	 	0.65	  	  	 	1.11	  	  	 	1.60	  
	 	34	  	  	 	0.46	  	  	 	0.59	  	  	 	0.83	  	  	 	1.48	  	  	 	2.06	  	  	 	0.42	  	  	 	0.53	  	  	 	0.67	  	  	 	1.15	  	  	 	1.65	  
	 	35	  	  	 	0.47	  	  	 	0.60	  	  	 	0.84	  	  	 	1.54	  	  	 	2.08	  	  	 	0.42	  	  	 	0.54	  	  	 	0.71	  	  	 	1.22	  	  	 	1.74	  
	 	36	  	  	 	0.50	  	  	 	0.64	  	  	 	0.89	  	  	 	1.66	  	  	 	2.25	  	  	 	0.45	  	  	 	0.57	  	  	 	0.75	  	  	 	1.32	  	  	 	1.86	  
	 	37	  	  	 	0.52	  	  	 	0.68	  	  	 	0.95	  	  	 	1.79	  	  	 	2.45	  	  	 	0.47	  	  	 	0.61	  	  	 	0.80	  	  	 	1.43	  	  	 	1.99	  
	 	38	  	  	 	0.55	  	  	 	0.72	  	  	 	1.00	  	  	 	1.94	  	  	 	2.67	  	  	 	0.50	  	  	 	0.64	  	  	 	0.85	  	  	 	1.55	  	  	 	2.13	  
	 	39	  	  	 	0.59	  	  	 	0.77	  	  	 	1.07	  	  	 	2.11	  	  	 	2.92	  	  	 	0.54	  	  	 	0.68	  	  	 	0.92	  	  	 	1.70	  	  	 	2.30	  
	 	40	  	  	 	0.63	  	  	 	0.83	  	  	 	1.15	  	  	 	2.30	  	  	 	3.20	  	  	 	0.58	  	  	 	0.73	  	  	 	0.98	  	  	 	1.85	  	  	 	2.47	  
	 	41	  	  	 	0.68	  	  	 	0.89	  	  	 	1.24	  	  	 	2.52	  	  	 	3.51	  	  	 	0.62	  	  	 	0.79	  	  	 	1.06	  	  	 	2.02	  	  	 	2.70	  
	 	42	  	  	 	0.74	  	  	 	0.96	  	  	 	1.36	  	  	 	2.80	  	  	 	3.84	  	  	 	0.68	  	  	 	0.86	  	  	 	1.13	  	  	 	2.21	  	  	 	2.93	  
	 	43	  	  	 	0.81	  	  	 	1.04	  	  	 	1.49	  	  	 	3.10	  	  	 	4.20	  	  	 	0.75	  	  	 	0.93	  	  	 	1.21	  	  	 	2.39	  	  	 	3.16	  
	 	44	  	  	 	0.89	  	  	 	1.14	  	  	 	1.65	  	  	 	3.43	  	  	 	4.58	  	  	 	0.82	  	  	 	1.01	  	  	 	1.30	  	  	 	2.59	  	  	 	3.41	  
	 	45	  	  	 	1.00	  	  	 	1.24	  	  	 	1.85	  	  	 	3.82	  	  	 	4.96	  	  	 	0.91	  	  	 	1.11	  	  	 	1.40	  	  	 	2.82	  	  	 	3.68	  
	 	46	  	  	 	1.10	  	  	 	1.37	  	  	 	2.04	  	  	 	4.25	  	  	 	5.42	  	  	 	0.97	  	  	 	1.19	  	  	 	1.49	  	  	 	3.04	  	  	 	3.95	  
	 	47	  	  	 	1.21	  	  	 	1.51	  	  	 	2.25	  	  	 	4.73	  	  	 	5.92	  	  	 	1.03	  	  	 	1.26	  	  	 	1.59	  	  	 	3.27	  	  	 	4.25	  
	 	48	  	  	 	1.34	  	  	 	1.67	  	  	 	2.48	  	  	 	5.26	  	  	 	6.46	  	  	 	1.09	  	  	 	1.35	  	  	 	1.70	  	  	 	3.54	  	  	 	4.57	  
	 	49	  	  	 	1.48	  	  	 	1.85	  	  	 	2.75	  	  	 	5.85	  	  	 	7.07	  	  	 	1.17	  	  	 	1.45	  	  	 	1.82	  	  	 	3.82	  	  	 	4.93	  
	 	50	  	  	 	1.64	  	  	 	2.06	  	  	 	3.06	  	  	 	6.53	  	  	 	7.76	  	  	 	1.25	  	  	 	1.56	  	  	 	1.95	  	  	 	4.12	  	  	 	5.30	  
	 	51	  	  	 	1.79	  	  	 	2.23	  	  	 	3.29	  	  	 	7.02	  	  	 	8.32	  	  	 	1.35	  	  	 	1.69	  	  	 	2.11	  	  	 	4.41	  	  	 	5.68	  
	 	52	  	  	 	1.96	  	  	 	2.42	  	  	 	3.54	  	  	 	7.56	  	  	 	8.94	  	  	 	1.45	  	  	 	1.82	  	  	 	2.29	  	  	 	4.72	  	  	 	6.09	  
	 	53	  	  	 	2.15	  	  	 	2.63	  	  	 	3.82	  	  	 	8.13	  	  	 	9.60	  	  	 	1.56	  	  	 	1.97	  	  	 	2.47	  	  	 	5.04	  	  	 	6.51	  
	 	54	  	  	 	2.35	  	  	 	2.86	  	  	 	4.12	  	  	 	8.73	  	  	 	10.28	  	  	 	1.68	  	  	 	2.12	  	  	 	2.66	  	  	 	5.36	  	  	 	6.94	  
	 	55	  	  	 	2.58	  	  	 	3.11	  	  	 	4.44	  	  	 	9.33	  	  	 	10.96	  	  	 	1.79	  	  	 	2.27	  	  	 	2.86	  	  	 	5.67	  	  	 	7.35	  
	 	56	  	  	 	2.87	  	  	 	3.46	  	  	 	4.87	  	  	 	10.18	  	  	 	12.10	  	  	 	1.95	  	  	 	2.46	  	  	 	3.10	  	  	 	6.04	  	  	 	7.80	  
	 	57	  	  	 	3.20	  	  	 	3.85	  	  	 	5.34	  	  	 	11.09	  	  	 	13.50	  	  	 	2.11	  	  	 	2.66	  	  	 	3.35	  	  	 	6.41	  	  	 	8.25	  
	 	58	  	  	 	3.58	  	  	 	4.30	  	  	 	5.87	  	  	 	12.06	  	  	 	14.65	  	  	 	2.30	  	  	 	2.89	  	  	 	3.63	  	  	 	6.81	  	  	 	8.74	  
	 	59	  	  	 	4.00	  	  	 	4.80	  	  	 	6.46	  	  	 	13.14	  	  	 	16.14	  	  	 	2.52	  	  	 	3.15	  	  	 	3.96	  	  	 	7.28	  	  	 	9.31	  
	 	60	  	  	 	4.47	  	  	 	5.36	  	  	 	7.11	  	  	 	14.36	  	  	 	17.84	  	  	 	2.78	  	  	 	3.47	  	  	 	4.36	  	  	 	7.86	  	  	 	10.02	  
	 	61	  	  	 	4.97	  	  	 	5.96	  	  	 	7.84	  	  	 	15.60	  	  	 	19.51	  	  	 	3.05	  	  	 	3.75	  	  	 	4.74	  	  	 	8.65	  	  	 	10.80	  
	 	62	  	  	 	5.53	  	  	 	6.65	  	  	 	8.66	  	  	 	16.98	  	  	 	21.38	  	  	 	3.39	  	  	 	4.10	  	  	 	5.20	  	  	 	9.61	  	  	 	11.74	  
	 	63	  	  	 	6.16	  	  	 	7.41	  	  	 	9.56	  	  	 	18.47	  	  	 	23.43	  	  	 	3.77	  	  	 	4.48	  	  	 	5.71	  	  	 	10.70	  	  	 	12.79	  
	 	64	  	  	 	6.85	  	  	 	8.25	  	  	 	10.54	  	  	 	20.04	  	  	 	25.59	  	  	 	4.18	  	  	 	4.88	  	  	 	6.26	  	  	 	11.86	  	  	 	13.87	  
	 	65	  	  	 	7.60	  	  	 	9.16	  	  	 	11.60	  	  	 	21.66	  	  	 	27.86	  	  	 	4.61	  	  	 	5.29	  	  	 	6.82	  	  	 	13.06	  	  	 	14.96	  
	 	66	  	  	 	8.71	  	  	 	10.26	  	  	 	12.89	  	  	 	24.50	  	  	 	30.82	  	  	 	5.16	  	  	 	5.91	  	  	 	7.52	  	  	 	14.78	  	  	 	16.63	  
	 	67	  	  	 	9.96	  	  	 	11.47	  	  	 	14.31	  	  	 	27.60	  	  	 	34.00	  	  	 	5.74	  	  	 	6.57	  	  	 	8.25	  	  	 	16.62	  	  	 	18.38	  
	 	68	  	  	 	11.37	  	  	 	12.82	  	  	 	15.89	  	  	 	31.05	  	  	 	39.28	  	  	 	6.39	  	  	 	7.31	  	  	 	9.07	  	  	 	18.67	  	  	 	20.32	  
	 	69	  	  	 	13.00	  	  	 	14.37	  	  	 	17.69	  	  	 	34.93	  	  	 	45.20	  	  	 	7.17	  	  	 	8.19	  	  	 	10.03	  	  	 	21.08	  	  	 	22.61	  
	 	70	  	  	 	14.90	  	  	 	16.16	  	  	 	19.75	  	  	 	39.36	  	  	 	51.73	  	  	 	8.11	  	  	 	9.26	  	  	 	11.21	  	  	 	24.06	  	  	 	25.46	  

  

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 4 of8

 0252-3153-01 Schedule B—V.xls, Level20 Advantage 

Rates for Initial Guaranteed Period 
  

	
	RATES
	 Level 20 Advantage 8/27/02

 

																																											
	 	 	  	MALE	 	  	FEMALE	 
	Issue
Age	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
											
	 	18	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	19	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	20	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	21	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	22	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	23	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	24	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	25	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.15	  	  	 	0.47	  	  	 	0.53	  	  	 	0.71	  	  	 	1.16	  	  	 	1.76	  
	 	26	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.16	  	  	 	0.47	  	  	 	0.53	  	  	 	0.72	  	  	 	1.17	  	  	 	1.80	  
	 	27	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.47	  	  	 	2.17	  	  	 	0.47	  	  	 	0.53	  	  	 	0.72	  	  	 	1.18	  	  	 	1.82	  
	 	28	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.52	  	  	 	2.18	  	  	 	0.47	  	  	 	0.54	  	  	 	0.73	  	  	 	1.21	  	  	 	1.86	  
	 	29	  	  	 	0.55	  	  	 	0.61	  	  	 	0.87	  	  	 	1.53	  	  	 	2.25	  	  	 	0.47	  	  	 	0.55	  	  	 	0.75	  	  	 	1.24	  	  	 	1.85	  
	 	30	  	  	 	0.55	  	  	 	0.61	  	  	 	0.88	  	  	 	1.56	  	  	 	2.33	  	  	 	0.47	  	  	 	0.55	  	  	 	0.76	  	  	 	1.28	  	  	 	1.86	  
	 	31	  	  	 	0.56	  	  	 	0.62	  	  	 	0.90	  	  	 	1.61	  	  	 	2.44	  	  	 	0.47	  	  	 	0.56	  	  	 	0.77	  	  	 	1.31	  	  	 	1.92	  
	 	32	  	  	 	0.56	  	  	 	0.65	  	  	 	0.93	  	  	 	1.64	  	  	 	2.58	  	  	 	0.48	  	  	 	0.56	  	  	 	0.79	  	  	 	1.35	  	  	 	1.99	  
	 	33	  	  	 	0.56	  	  	 	0.68	  	  	 	0.98	  	  	 	1.71	  	  	 	2.75	  	  	 	0.49	  	  	 	0.57	  	  	 	0.81	  	  	 	1.40	  	  	 	2.07	  
	 	34	  	  	 	0.57	  	  	 	0.72	  	  	 	1.03	  	  	 	1.83	  	  	 	2.95	  	  	 	0.50	  	  	 	0.59	  	  	 	0.83	  	  	 	1.45	  	  	 	2.18	  
	 	35	  	  	 	0.60	  	  	 	0.76	  	  	 	1.09	  	  	 	1.96	  	  	 	3.19	  	  	 	0.51	  	  	 	0.63	  	  	 	0.86	  	  	 	1.51	  	  	 	2.31	  
	 	36	  	  	 	0.63	  	  	 	0.81	  	  	 	1.16	  	  	 	2.13	  	  	 	3.41	  	  	 	0.52	  	  	 	0.67	  	  	 	0.91	  	  	 	1.64	  	  	 	2.48	  
	 	37	  	  	 	0.68	  	  	 	0.88	  	  	 	1.25	  	  	 	2.30	  	  	 	3.64	  	  	 	0.54	  	  	 	0.71	  	  	 	0.98	  	  	 	1.71	  	  	 	2.68	  
	 	38	  	  	 	0.74	  	  	 	0.95	  	  	 	1.35	  	  	 	2.56	  	  	 	3.92	  	  	 	0.56	  	  	 	0.75	  	  	 	1.05	  	  	 	1.86	  	  	 	2.90	  
	 	39	  	  	 	0.60	  	  	 	1.02	  	  	 	1.46	  	  	 	2.80	  	  	 	4.24	  	  	 	0.62	  	  	 	0.79	  	  	 	1.12	  	  	 	1.97	  	  	 	3.14	  
	 	40	  	  	 	0.87	  	  	 	1.12	  	  	 	1.59	  	  	 	3.08	  	  	 	4.61	  	  	 	0.67	  	  	 	0.86	  	  	 	1.21	  	  	 	2.22	  	  	 	3.44	  
	 	41	  	  	 	0.95	  	  	 	1.22	  	  	 	1.73	  	  	 	3.41	  	  	 	5.00	  	  	 	0.72	  	  	 	0.93	  	  	 	1.31	  	  	 	2.47	  	  	 	3.74	  
	 	42	  	  	 	1.03	  	  	 	1.32	  	  	 	1.88	  	  	 	3.82	  	  	 	5.42	  	  	 	0.77	  	  	 	1.00	  	  	 	1.40	  	  	 	2.71	  	  	 	4.04	  
	 	43	  	  	 	1.12	  	  	 	1.44	  	  	 	2.04	  	  	 	4.22	  	  	 	5.88	  	  	 	0.82	  	  	 	1.07	  	  	 	1.49	  	  	 	2.97	  	  	 	4.33	  
	 	44	  	  	 	1.22	  	  	 	1.57	  	  	 	2.22	  	  	 	4.70	  	  	 	6.38	  	  	 	0.88	  	  	 	1.14	  	  	 	1.59	  	  	 	3.26	  	  	 	4.61	  
	 	45	  	  	 	1.34	  	  	 	1.72	  	  	 	2.43	  	  	 	5.19	  	  	 	6.90	  	  	 	0.97	  	  	 	1.22	  	  	 	1.69	  	  	 	3.53	  	  	 	4.90	  
	 	46	  	  	 	1.46	  	  	 	1.87	  	  	 	2.63	  	  	 	5.62	  	  	 	7.45	  	  	 	1.02	  	  	 	1.32	  	  	 	1.83	  	  	 	3.83	  	  	 	5.24	  
	 	47	  	  	 	1.61	  	  	 	2.02	  	  	 	2.85	  	  	 	6.02	  	  	 	8.03	  	  	 	1.11	  	  	 	1.43	  	  	 	1.99	  	  	 	4.11	  	  	 	5.56	  
	 	48	  	  	 	1.79	  	  	 	2.20	  	  	 	3.08	  	  	 	6.61	  	  	 	8.66	  	  	 	1.21	  	  	 	1.55	  	  	 	2.15	  	  	 	4.38	  	  	 	5.95	  
	 	49	  	  	 	1.99	  	  	 	2.39	  	  	 	3.38	  	  	 	7.28	  	  	 	9.33	  	  	 	1.35	  	  	 	1.69	  	  	 	2.34	  	  	 	4.69	  	  	 	6.36	  
	 	50	  	  	 	2.19	  	  	 	2.60	  	  	 	3.70	  	  	 	8.02	  	  	 	10.08	  	  	 	1.50	  	  	 	1.64	  	  	 	2.55	  	  	 	5.06	  	  	 	6.80	  
	 	51	  	  	 	2.39	  	  	 	2.85	  	  	 	4.03	  	  	 	8.77	  	  	 	10.91	  	  	 	1.65	  	  	 	2.00	  	  	 	2.78	  	  	 	5.35	  	  	 	7.26	  
	 	52	  	  	 	2.59	  	  	 	3.14	  	  	 	4.37	  	  	 	9.52	  	  	 	11.85	  	  	 	1.82	  	  	 	2.19	  	  	 	3.05	  	  	 	5.74	  	  	 	7.79	  
	 	53	  	  	 	2.80	  	  	 	3.47	  	  	 	4.81	  	  	 	10.27	  	  	 	12.91	  	  	 	1.99	  	  	 	2.36	  	  	 	3.35	  	  	 	6.24	  	  	 	8.37	  
	 	54	  	  	 	3.11	  	  	 	3.64	  	  	 	5.30	  	  	 	11.02	  	  	 	14.05	  	  	 	2.16	  	  	 	2.56	  	  	 	3.66	  	  	 	6.76	  	  	 	8.96	  
	 	55	  	  	 	3.46	  	  	 	4.22	  	  	 	5.76	  	  	 	11.77	  	  	 	15.26	  	  	 	2.34	  	  	 	2.78	  	  	 	4.00	  	  	 	7.30	  	  	 	9.56	  
	 	56	  	  	 	3.91	  	  	 	4.57	  	  	 	6.25	  	  	 	12.79	  	  	 	16.53	  	  	 	2.60	  	  	 	3.03	  	  	 	4.40	  	  	 	7.64	  	  	 	10.15	  
	 	57	  	  	 	4.41	  	  	 	4.95	  	  	 	6.85	  	  	 	13.98	  	  	 	17.84	  	  	 	2.92	  	  	 	3.31	  	  	 	4.81	  	  	 	8.32	  	  	 	10.69	  
	 	58	  	  	 	4.93	  	  	 	5.37	  	  	 	7.43	  	  	 	15.24	  	  	 	19.21	  	  	 	3.25	  	  	 	3.63	  	  	 	5.23	  	  	 	9.03	  	  	 	11.21	  
	 	59	  	  	 	5.50	  	  	 	5.92	  	  	 	8.16	  	  	 	16.60	  	  	 	20.66	  	  	 	3.62	  	  	 	3.98	  	  	 	5.70	  	  	 	9.70	  	  	 	11.77	  
	 	60	  	  	 	6.13	  	  	 	6.62	  	  	 	9.02	  	  	 	18.11	  	  	 	22.27	  	  	 	4.00	  	  	 	4.38	  	  	 	6.26	  	  	 	10.44	  	  	 	12.45	  
	 	61	  	  	 	6.94	  	  	 	7.69	  	  	 	10.03	  	  	 	19.63	  	  	 	24.07	  	  	 	4.56	  	  	 	5.00	  	  	 	6.94	  	  	 	11.11	  	  	 	13.29	  
	 	62	  	  	 	8.12	  	  	 	9.37	  	  	 	11.72	  	  	 	21.77	  	  	 	26.08	  	  	 	5.19	  	  	 	5.61	  	  	 	7.78	  	  	 	11.97	  	  	 	14.39	  
	 	63	  	  	 	9.32	  	  	 	10.98	  	  	 	13.38	  	  	 	23.94	  	  	 	28.32	  	  	 	5.97	  	  	 	6.35	  	  	 	8.80	  	  	 	12.96	  	  	 	15.72	  
	 	64	  	  	 	10.57	  	  	 	12.66	  	  	 	15.06	  	  	 	26.32	  	  	 	30.68	  	  	 	6.86	  	  	 	7.20	  	  	 	9.95	  	  	 	14.11	  	  	 	17.21	  
	 	65	  	  	 	11.86	  	  	 	14.36	  	  	 	16.76	  	  	 	28.86	  	  	 	33.34	  	  	 	7.83	  	  	 	8.14	  	  	 	11.19	  	  	 	15.21	  	  	 	18.76	  

  

	*	Add $70 POLICY FEE 

  
 5Of8

 0252-3153-01 Schedule B—V.xls Advantage 

Rates for Initial Guaranteed Period 
  

	
	RATES
	 Level 30 Advantage 1/7/03

 

																																									
	 	  	MALE	 	  	FEMALE	 
	Issue
Age	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
											
	18	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.35	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	19	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.35	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	20	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.35	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	21	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.35	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	22	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.35	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	23	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.36	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	24	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.36	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	25	  	 	0.92	  	  	 	1.09	  	  	 	1.49	  	  	 	2.40	  	  	 	3.37	  	  	 	0.72	  	  	 	0.86	  	  	 	1.16	  	  	 	1.82	  	  	 	2.36	  
	26	  	 	0.93	  	  	 	1.10	  	  	 	1.50	  	  	 	2.41	  	  	 	3.39	  	  	 	0.73	  	  	 	0.86	  	  	 	1.18	  	  	 	1.84	  	  	 	2.43	  
	27	  	 	0.94	  	  	 	1.11	  	  	 	1.52	  	  	 	2.42	  	  	 	3.41	  	  	 	0.74	  	  	 	0.86	  	  	 	1.20	  	  	 	1.88	  	  	 	2.52	  
	28	  	 	0.96	  	  	 	1.12	  	  	 	1.54	  	  	 	2.45	  	  	 	3.44	  	  	 	0.75	  	  	 	0.87	  	  	 	1.22	  	  	 	1.92	  	  	 	2.65	  
	29	  	 	0.98	  	  	 	1.13	  	  	 	1.56	  	  	 	2.52	  	  	 	3.47	  	  	 	0.76	  	  	 	0.87	  	  	 	1.24	  	  	 	1.98	  	  	 	2.85	  
	30	  	 	1.02	  	  	 	1.14	  	  	 	1.58	  	  	 	2.61	  	  	 	3.51	  	  	 	0.77	  	  	 	0.87	  	  	 	1.26	  	  	 	2.02	  	  	 	3.01	  
	31	  	 	1.04	  	  	 	1.16	  	  	 	1.63	  	  	 	2.71	  	  	 	3.63	  	  	 	0.78	  	  	 	0.89	  	  	 	1.28	  	  	 	2.10	  	  	 	3.08	  
	32	  	 	1.07	  	  	 	1.19	  	  	 	1.69	  	  	 	2.84	  	  	 	3.80	  	  	 	0.80	  	  	 	0.91	  	  	 	1.30	  	  	 	2.21	  	  	 	3.18	  
	33	  	 	1.10	  	  	 	1.22	  	  	 	1.77	  	  	 	3.00	  	  	 	4.00	  	  	 	0.82	  	  	 	0.94	  	  	 	1.32	  	  	 	2.33	  	  	 	3.28	  
	34	  	 	1.14	  	  	 	1.26	  	  	 	1.86	  	  	 	3.19	  	  	 	4.24	  	  	 	0.84	  	  	 	0.98	  	  	 	1.35	  	  	 	2.46	  	  	 	3.38	  
	35	  	 	1.19	  	  	 	1.31	  	  	 	1.96	  	  	 	3.42	  	  	 	4.52	  	  	 	0.88	  	  	 	1.03	  	  	 	1.41	  	  	 	2.66	  	  	 	3.45	  
	36	  	 	1.27	  	  	 	1.40	  	  	 	2.03	  	  	 	3.67	  	  	 	4.84	  	  	 	0.93	  	  	 	1.09	  	  	 	1.48	  	  	 	2.85	  	  	 	3.73	  
	37	  	 	1.36	  	  	 	1.49	  	  	 	2.10	  	  	 	3.95	  	  	 	5.20	  	  	 	0.98	  	  	 	1.16	  	  	 	1.56	  	  	 	3.07	  	  	 	4.06	  
	38	  	 	1.46	  	  	 	1.59	  	  	 	2.17	  	  	 	4.26	  	  	 	5.60	  	  	 	1.04	  	  	 	1.23	  	  	 	1.65	  	  	 	3.29	  	  	 	4.41	  
	39	  	 	1.57	  	  	 	1.71	  	  	 	2.26	  	  	 	4.62	  	  	 	6.06	  	  	 	1.11	  	  	 	1.32	  	  	 	1.75	  	  	 	3.57	  	  	 	4.83	  
	40	  	 	1.69	  	  	 	1.84	  	  	 	2.35	  	  	 	5.01	  	  	 	6.55	  	  	 	1.18	  	  	 	1.41	  	  	 	1.85	  	  	 	3.85	  	  	 	5.27	  
	41	  	 	1.84	  	  	 	2.05	  	  	 	2.64	  	  	 	5.63	  	  	 	7.29	  	  	 	1.30	  	  	 	1.56	  	  	 	2.04	  	  	 	4.26	  	  	 	5.71	  
	42	  	 	2.00	  	  	 	2.28	  	  	 	2.97	  	  	 	6.33	  	  	 	8.10	  	  	 	1.42	  	  	 	1.71	  	  	 	2.24	  	  	 	4.69	  	  	 	6.15	  
	43	  	 	2.19	  	  	 	2.53	  	  	 	3.33	  	  	 	7.11	  	  	 	9.01	  	  	 	1.55	  	  	 	1.88	  	  	 	2.44	  	  	 	5.12	  	  	 	6.58	  
	44	  	 	2.39	  	  	 	2.83	  	  	 	3.75	  	  	 	7.95	  	  	 	9.98	  	  	 	1.70	  	  	 	2.06	  	  	 	2.67	  	  	 	5.59	  	  	 	7.04	  
	45	  	 	2.62	  	  	 	3.15	  	  	 	4.21	  	  	 	8.85	  	  	 	11.01	  	  	 	1.85	  	  	 	2.25	  	  	 	2.91	  	  	 	6.08	  	  	 	7.50	  
	46	  	 	2.89	  	  	 	3.41	  	  	 	4.58	  	  	 	9.76	  	  	 	11.84	  	  	 	2.05	  	  	 	2.48	  	  	 	3.17	  	  	 	6.64	  	  	 	7.96	  
	47	  	 	3.20	  	  	 	3.69	  	  	 	5.00	  	  	 	10.75	  	  	 	12.73	  	  	 	2.26	  	  	 	2.72	  	  	 	3.44	  	  	 	7.25	  	  	 	8.45	  
	48	  	 	3.54	  	  	 	4.00	  	  	 	5.45	  	  	 	11.85	  	  	 	13.68	  	  	 	2.49	  	  	 	3.00	  	  	 	3.75	  	  	 	7.94	  	  	 	8.98	  
	49	  	 	3.92	  	  	 	4.35	  	  	 	5.97	  	  	 	13.07	  	  	 	14.73	  	  	 	2.76	  	  	 	3.31	  	  	 	4.09	  	  	 	8.68	  	  	 	9.55	  
	50	  	 	4.37	  	  	 	4.76	  	  	 	6.57	  	  	 	14.47	  	  	 	15.90	  	  	 	3.06	  	  	 	3.66	  	  	 	4.47	  	  	 	9.48	  	  	 	10.15	  

  

	*	Add $70 POLICY FEE 

  
 6Of8

 0252-3153-01 Schedule B—V.Jds. CurrYRT 

Current Annual YRT Rates 
 Annual per
$1000 
  

																																															
	ATT	 	  	 	 	  	MALE	 	  	ATT	 	  	 	 	  	FEMALE	 
	AGE	 	  	PENT	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	AGE	 	  	PENT	 	  	PNT	 	  	SNT	 	  	PT	 	  	T	 
	 	30	  	  	 	2.05	  	  	 	2.05	  	  	 	2.58	  	  	 	3.91	  	  	 	4.68	  	  	 	30	  	  	 	1.37	  	  	 	1.37	  	  	 	2.06	  	  	 	2.38	  	  	 	3.54	  
	 	31	  	  	 	1.98	  	  	 	1.98	  	  	 	2.49	  	  	 	3.77	  	  	 	4.69	  	  	 	31	  	  	 	1.38	  	  	 	1.38	  	  	 	2.07	  	  	 	2.40	  	  	 	3.55	  
	 	32	  	  	 	1.93	  	  	 	1.93	  	  	 	2.46	  	  	 	3.66	  	  	 	4.70	  	  	 	32	  	  	 	1.39	  	  	 	1.39	  	  	 	2.08	  	  	 	2.42	  	  	 	3.56	  
	 	33	  	  	 	1.90	  	  	 	1.90	  	  	 	2.51	  	  	 	3.62	  	  	 	4.71	  	  	 	33	  	  	 	1.40	  	  	 	1.40	  	  	 	2.09	  	  	 	2.44	  	  	 	3.57	  
	 	34	  	  	 	1.90	  	  	 	1.90	  	  	 	2.53	  	  	 	3.61	  	  	 	4.73	  	  	 	34	  	  	 	1.42	  	  	 	1.42	  	  	 	2.10	  	  	 	2.46	  	  	 	3.58	  
	 	35	  	  	 	1.94	  	  	 	1.94	  	  	 	2.55	  	  	 	3.70	  	  	 	4.75	  	  	 	35	  	  	 	1.44	  	  	 	1.44	  	  	 	2.12	  	  	 	2.50	  	  	 	3.59	  
	 	36	  	  	 	2.06	  	  	 	2.06	  	  	 	2.59	  	  	 	3.93	  	  	 	4.77	  	  	 	36	  	  	 	1.47	  	  	 	1.47	  	  	 	2.14	  	  	 	2.76	  	  	 	3.60	  
	 	37	  	  	 	2.23	  	  	 	2.23	  	  	 	2.82	  	  	 	4.28	  	  	 	4.80	  	  	 	37	  	  	 	1.67	  	  	 	1.67	  	  	 	2.16	  	  	 	3.16	  	  	 	3.61	  
	 	38	  	  	 	2.45	  	  	 	2.45	  	  	 	3.11	  	  	 	4.72	  	  	 	5.22	  	  	 	38	  	  	 	1.90	  	  	 	1.90	  	  	 	2.39	  	  	 	3.62	  	  	 	3.98	  
	 	39	  	  	 	2.65	  	  	 	2.65	  	  	 	3.37	  	  	 	5.12	  	  	 	5.67	  	  	 	39	  	  	 	2.14	  	  	 	2.14	  	  	 	2.70	  	  	 	4.10	  	  	 	4.52	  
	 	40	  	  	 	2.89	  	  	 	2.89	  	  	 	3.69	  	  	 	5.59	  	  	 	6.20	  	  	 	40	  	  	 	2.42	  	  	 	2.42	  	  	 	3.07	  	  	 	4.66	  	  	 	5.15	  
	 	41	  	  	 	2.95	  	  	 	2.95	  	  	 	3.85	  	  	 	5.81	  	  	 	6.49	  	  	 	41	  	  	 	2.54	  	  	 	2.54	  	  	 	3.30	  	  	 	4.98	  	  	 	5.55	  
	 	42	  	  	 	3.05	  	  	 	3.05	  	  	 	4.08	  	  	 	6.11	  	  	 	6.87	  	  	 	42	  	  	 	2.66	  	  	 	2.66	  	  	 	3.55	  	  	 	5.31	  	  	 	5.97	  
	 	43	  	  	 	3.13	  	  	 	3.13	  	  	 	4.27	  	  	 	6.37	  	  	 	7.21	  	  	 	43	  	  	 	2.73	  	  	 	2.73	  	  	 	3.71	  	  	 	5.53	  	  	 	6.25	  
	 	44	  	  	 	3.25	  	  	 	3.25	  	  	 	4.53	  	  	 	6.72	  	  	 	7.65	  	  	 	44	  	  	 	2.79	  	  	 	2.79	  	  	 	3.86	  	  	 	5.72	  	  	 	6.50	  
	 	45	  	  	 	3.42	  	  	 	3.42	  	  	 	4.53	  	  	 	7.11	  	  	 	8.13	  	  	 	45	  	  	 	2.86	  	  	 	2.86	  	  	 	4.01	  	  	 	5.92	  	  	 	6.76	  
	 	46	  	  	 	3.60	  	  	 	3.60	  	  	 	5.14	  	  	 	7.57	  	  	 	8.70	  	  	 	46	  	  	 	2.93	  	  	 	2.93	  	  	 	4.16	  	  	 	6.12	  	  	 	7.03	  
	 	47	  	  	 	3.81	  	  	 	3.81	  	  	 	5.51	  	  	 	8.09	  	  	 	9.33	  	  	 	47	  	  	 	2.99	  	  	 	2.99	  	  	 	4.31	  	  	 	6.31	  	  	 	7.28	  
	 	48	  	  	 	4.02	  	  	 	4.02	  	  	 	5.88	  	  	 	8.60	  	  	 	9.97	  	  	 	48	  	  	 	3.05	  	  	 	3.05	  	  	 	4.45	  	  	 	6.51	  	  	 	7.53	  
	 	49	  	  	 	4.25	  	  	 	4.25	  	  	 	6.29	  	  	 	9.17	  	  	 	10.66	  	  	 	49	  	  	 	3.12	  	  	 	3.12	  	  	 	4.60	  	  	 	6.71	  	  	 	7.79	  
	 	50	  	  	 	4.48	  	  	 	4.48	  	  	 	6.68	  	  	 	9.72	  	  	 	11.35	  	  	 	50	  	  	 	3.21	  	  	 	3.21	  	  	 	4.78	  	  	 	6.96	  	  	 	8.11	  
	 	51	  	  	 	4.94	  	  	 	4.94	  	  	 	7.38	  	  	 	10.63	  	  	 	12.53	  	  	 	51	  	  	 	3.47	  	  	 	3.47	  	  	 	5.17	  	  	 	7.44	  	  	 	8.75	  
	 	52	  	  	 	5.44	  	  	 	5.44	  	  	 	8.15	  	  	 	11.63	  	  	 	13.84	  	  	 	52	  	  	 	3.74	  	  	 	3.74	  	  	 	5.58	  	  	 	7.96	  	  	 	9.46	  
	 	53	  	  	 	5.99	  	  	 	5.99	  	  	 	8.98	  	  	 	12.69	  	  	 	15.26	  	  	 	53	  	  	 	4.07	  	  	 	4.07	  	  	 	6.07	  	  	 	8.58	  	  	 	10.30	  
	 	54	  	  	 	6.71	  	  	 	6.71	  	  	 	10.07	  	  	 	14.09	  	  	 	17.11	  	  	 	54	  	  	 	4.50	  	  	 	4.50	  	  	 	6.73	  	  	 	9.41	  	  	 	11.42	  
	 	55	  	  	 	7.37	  	  	 	7.37	  	  	 	11.07	  	  	 	15.34	  	  	 	18.82	  	  	 	55	  	  	 	4.90	  	  	 	4.90	  	  	 	7.33	  	  	 	10.16	  	  	 	12.45	  
	 	56	  	  	 	8.11	  	  	 	8.11	  	  	 	12.19	  	  	 	16.73	  	  	 	20.72	  	  	 	56	  	  	 	5.33	  	  	 	5.33	  	  	 	7.98	  	  	 	10.96	  	  	 	13.56	  
	 	57	  	  	 	9.08	  	  	 	9.08	  	  	 	13.66	  	  	 	18.57	  	  	 	23.23	  	  	 	57	  	  	 	5.90	  	  	 	5.90	  	  	 	8.85	  	  	 	12.04	  	  	 	15.04	  
	 	58	  	  	 	10.01	  	  	 	10.01	  	  	 	15.06	  	  	 	20.28	  	  	 	25.61	  	  	 	58	  	  	 	6.43	  	  	 	6.43	  	  	 	9.65	  	  	 	13.00	  	  	 	16.40	  
	 	59	  	  	 	11.24	  	  	 	11.24	  	  	 	16.92	  	  	 	22.59	  	  	 	28.80	  	  	 	59	  	  	 	7.13	  	  	 	7.13	  	  	 	10.70	  	  	 	14.28	  	  	 	18.19	  
	 	60	  	  	 	12.42	  	  	 	12.42	  	  	 	18.71	  	  	 	24.75	  	  	 	31.84	  	  	 	60	  	  	 	7.74	  	  	 	7.74	  	  	 	11.62	  	  	 	15.38	  	  	 	19.76	  
	 	61	  	  	 	13.75	  	  	 	13.75	  	  	 	20.72	  	  	 	27.40	  	  	 	35.26	  	  	 	61	  	  	 	8.39	  	  	 	8.39	  	  	 	12.61	  	  	 	16.68	  	  	 	21.45	  
	 	62	  	  	 	15.47	  	  	 	15.47	  	  	 	23.31	  	  	 	30.83	  	  	 	39.68	  	  	 	62	  	  	 	9.24	  	  	 	9.24	  	  	 	13.90	  	  	 	18.39	  	  	 	23.64	  
	 	63	  	  	 	16.76	  	  	 	16.76	  	  	 	25.26	  	  	 	33.41	  	  	 	43.01	  	  	 	63	  	  	 	9.82	  	  	 	9.82	  	  	 	14.78	  	  	 	19.54	  	  	 	25.13	  
	 	64	  	  	 	18.45	  	  	 	18.45	  	  	 	27.83	  	  	 	36.81	  	  	 	47.39	  	  	 	64	  	  	 	10.62	  	  	 	10.62	  	  	 	15.98	  	  	 	21.14	  	  	 	27.19	  
	 	65	  	  	 	20.31	  	  	 	20.31	  	  	 	30.64	  	  	 	40.52	  	  	 	52.17	  	  	 	65	  	  	 	11.49	  	  	 	11.49	  	  	 	17.30	  	  	 	22.88	  	  	 	29.45	  
	 	66	  	  	 	21.96	  	  	 	21.96	  	  	 	33.14	  	  	 	43.82	  	  	 	56.43	  	  	 	66	  	  	 	12.23	  	  	 	12.23	  	  	 	18.41	  	  	 	24.35	  	  	 	31.34	  
	 	67	  	  	 	24.18	  	  	 	24.18	  	  	 	36.49	  	  	 	48.26	  	  	 	62.15	  	  	 	67	  	  	 	13.26	  	  	 	13.26	  	  	 	19.97	  	  	 	26.41	  	  	 	33.99	  
	 	68	  	  	 	26.15	  	  	 	26.15	  	  	 	39.47	  	  	 	52.20	  	  	 	67.23	  	  	 	68	  	  	 	14.13	  	  	 	14.13	  	  	 	21.29	  	  	 	28.16	  	  	 	36.24	  
	 	69	  	  	 	27.76	  	  	 	27.76	  	  	 	41.89	  	  	 	55.39	  	  	 	71.35	  	  	 	69	  	  	 	14.80	  	  	 	14.80	  	  	 	22.30	  	  	 	29.49	  	  	 	37.96	  
	 	70	  	  	 	29.96	  	  	 	29.96	  	  	 	45.22	  	  	 	59.80	  	  	 	77.02	  	  	 	70	  	  	 	15.82	  	  	 	15.82	  	  	 	23.85	  	  	 	31.55	  	  	 	40.61	  
	 	71	  	  	 	32.87	  	  	 	32.87	  	  	 	48.71	  	  	 	64.42	  	  	 	82.98	  	  	 	71	  	  	 	17.30	  	  	 	17.30	  	  	 	25.61	  	  	 	33.87	  	  	 	43.61	  
	 	72	  	  	 	35.96	  	  	 	35.96	  	  	 	52.32	  	  	 	69.19	  	  	 	89.14	  	  	 	72	  	  	 	19.01	  	  	 	19.01	  	  	 	27.63	  	  	 	36.54	  	  	 	47.04	  
	 	73	  	  	 	40.12	  	  	 	40.12	  	  	 	57.27	  	  	 	75.74	  	  	 	97.58	  	  	 	73	  	  	 	21.42	  	  	 	21.42	  	  	 	30.56	  	  	 	40.41	  	  	 	52.03	  
	 	74	  	  	 	44.77	  	  	 	44.77	  	  	 	62.69	  	  	 	82.90	  	  	 	106.81	  	  	 	74	  	  	 	24.27	  	  	 	24.27	  	  	 	33.97	  	  	 	44.92	  	  	 	57.85	  
	 	75	  	  	 	50.02	  	  	 	50.02	  	  	 	68.69	  	  	 	90.83	  	  	 	117.03	  	  	 	75	  	  	 	27.64	  	  	 	27.64	  	  	 	37.93	  	  	 	50.16	  	  	 	64.60	  
	 	76	  	  	 	55.95	  	  	 	55.95	  	  	 	75.30	  	  	 	99.57	  	  	 	128.30	  	  	 	76	  	  	 	31.60	  	  	 	31.60	  	  	 	42.51	  	  	 	56.21	  	  	 	72.40	  
	 	77	  	  	 	62.66	  	  	 	62.66	  	  	 	82.61	  	  	 	109.25	  	  	 	140.77	  	  	 	77	  	  	 	36.25	  	  	 	36.25	  	  	 	47.77	  	  	 	63.17	  	  	 	81.38	  
	 	78	  	  	 	70.18	  	  	 	70.18	  	  	 	90.62	  	  	 	119.83	  	  	 	154.41	  	  	 	78	  	  	 	41.68	  	  	 	41.68	  	  	 	53.79	  	  	 	71.14	  	  	 	91.64	  
	 	79	  	  	 	78.59	  	  	 	78.59	  	  	 	99.32	  	  	 	131.34	  	  	 	169.24	  	  	 	79	  	  	 	47.94	  	  	 	47.94	  	  	 	60.57	  	  	 	80.10	  	  	 	103.20	  
	 	80	  	  	 	87.93	  	  	 	87.93	  	  	 	108.73	  	  	 	143.77	  	  	 	185.28	  	  	 	80	  	  	 	55.10	  	  	 	55.10	  	  	 	68.11	  	  	 	90.06	  	  	 	116.04	  
	 	81	  	  	 	97.16	  	  	 	97.16	  	  	 	118.82	  	  	 	155.70	  	  	 	202.48	  	  	 	81	  	  	 	62.49	  	  	 	62.49	  	  	 	76.40	  	  	 	100.12	  	  	 	130.17	  
	 	82	  	  	 	107.08	  	  	 	107.08	  	  	 	129.49	  	  	 	168.17	  	  	 	220.67	  	  	 	82	  	  	 	70.68	  	  	 	70.68	  	  	 	85.45	  	  	 	110.97	  	  	 	145.60	  
	 	83	  	  	 	117.77	  	  	 	117.77	  	  	 	140.80	  	  	 	181.25	  	  	 	239.96	  	  	 	83	  	  	 	79.69	  	  	 	79.69	  	  	 	95.25	  	  	 	122.61	  	  	 	162.31	  
	 	84	  	  	 	129.67	  	  	 	129.67	  	  	 	153.26	  	  	 	195.55	  	  	 	261.19	  	  	 	84	  	  	 	89.54	  	  	 	89.54	  	  	 	105.81	  	  	 	135.01	  	  	 	180.31	  
	 	85	  	  	 	141.50	  	  	 	141.50	  	  	 	166.56	  	  	 	210.78	  	  	 	283.00	  	  	 	85	  	  	 	97.32	  	  	 	97.32	  	  	 	115.02	  	  	 	145.99	  	  	 	194.65	  
	 	86	  	  	 	153.65	  	  	 	153.65	  	  	 	180.86	  	  	 	228.88	  	  	 	307.31	  	  	 	86	  	  	 	105.77	  	  	 	105.77	  	  	 	125.00	  	  	 	158.66	  	  	 	211.55	  
	 	87	  	  	 	166.74	  	  	 	166.74	  	  	 	196.26	  	  	 	248.37	  	  	 	333.48	  	  	 	87	  	  	 	116.67	  	  	 	116.67	  	  	 	137.89	  	  	 	175.01	  	  	 	233.35	  
	 	88	  	  	 	179.44	  	  	 	179.44	  	  	 	211.21	  	  	 	267.29	  	  	 	358.88	  	  	 	88	  	  	 	127.30	  	  	 	127.30	  	  	 	150.45	  	  	 	190.96	  	  	 	254.61	  
	 	89	  	  	 	189.87	  	  	 	189.87	  	  	 	223.50	  	  	 	282.83	  	  	 	379.75	  	  	 	89	  	  	 	138.85	  	  	 	138.85	  	  	 	164.10	  	  	 	208.28	  	  	 	277.71	  
	 	90	  	  	 	197.97	  	  	 	197.97	  	  	 	233.02	  	  	 	294.89	  	  	 	395.94	  	  	 	90	  	  	 	156.24	  	  	 	156.24	  	  	 	184.65	  	  	 	234.36	  	  	 	312.48	  
	 	91	  	  	 	205.05	  	  	 	205.05	  	  	 	241.36	  	  	 	305.44	  	  	 	410.11	  	  	 	91	  	  	 	175.57	  	  	 	175.57	  	  	 	207.50	  	  	 	263.36	  	  	 	351.15	  
	 	92	  	  	 	214.23	  	  	 	214.23	  	  	 	252.17	  	  	 	319.11	  	  	 	428.46	  	  	 	92	  	  	 	190.66	  	  	 	190.66	  	  	 	225.33	  	  	 	286.00	  	  	 	381.33	  
	 	93	  	  	 	228.70	  	  	 	228.70	  	  	 	269.19	  	  	 	340.66	  	  	 	457.40	  	  	 	93	  	  	 	201.33	  	  	 	201.33	  	  	 	237.94	  	  	 	302.00	  	  	 	402.67	  
	 	94	  	  	 	246.73	  	  	 	246.73	  	  	 	290.43	  	  	 	367.53	  	  	 	493.47	  	  	 	94	  	  	 	207.68	  	  	 	207.68	  	  	 	245.44	  	  	 	311.52	  	  	 	415.36	  

  

	**	ADD $70.00 POLICY FEE 

 0252-3153-01 Schedule B-V
..Ÿ 1s. GuarYRT 
 Guaranteed Annual YRT Rates 
 Annual per $1000 

 

																			
	ATT	 	  	MALE	 	  	MALE	 	  	FEMALE	 	  	FEMALE	 
	AGE	 	  	ST	 	  	SNT	 	  	ST	 	  	SNT	 
	 	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	  
	 	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 

 SCHEDULE B-VI 
 NET COINSURANCE PREMIUMS 
 STANDARD ANNUAL COINSURANCE PREMIUMS

 Gross Allowances 

  
 4Of4

  

			
		  	FY Allowance: 100%
		
	 Product
	  	10 year Advantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	FY Allowance: 100%
		
	 Product
	  	15 year Advantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	FY Allowance: 100%
		
	 Product
	  	15 year NonAdvantage

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	FY Allowance: 100%
		
	 Product
	  	20 year Advantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	20-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	FY Allowance: 100%
		
	 Product
	  	30 year Advantage

  

																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-50	 	  	20-29	 	  	30-39	 	  	40-50	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	FY Allowance: 100%
		
	 Product
	  	30 year NonAdvantage

  

																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	20-29	 	  	30-39	 	  	40-50	 	  	20-29	 	  	30-39	 	  	40-50	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

 AMENDMENT 2 
 Effective October 1, 2003 
 To 

AUTOMATIC AND FACULTATIVE 
 REINSURANCE AGREEMENT 
 (COINSURANCE BASIS) 

Effective May 1, 2002 
 (the “Agreement”) 
 between 

KANSAS CITY LIFE INSURANCE COMPANY 
 (“Ceding Company”) 
 and 

SECURITY LIFE OF DENVER INSURANCE COMPANY 
 (“Reinsurer”) 
 WHEREAS, the Reinsurer currently reinsures Ceding Company’s plans
under the Agreement; and 
 WHEREAS, the Ceding Company wishes to amend or modify the following for policies issued on or after the Effective
Date of this Amendment: 
 1. Residence; and 
 WHEREAS, the Reinsurer wishes to accept these amendments and modifications; 

AGREEMENT 
 The parties
agree to the following: 
 1. Article 3.e, Residence, is amended to include the following: 

Effective October 1, 2003: 
 For automatic reassurance, each insured must have been a resident of the United States or Canada for two years prior to the date of issue. 

  
 1of2

 2. Except as herein amended, all other terms and conditions of this Agreement shall remain unchanged.

 In witness of the above, Ceding Company and the Reinsurer have, by their respective officers, executed and delivered this Amendment in
duplicate on the dates indicated below with an effective date of October 1, 2003. 
  

									
	KANSAS CITY LIFE INSURANCE COMPANY	 		 	SECURITY LIFE OF DENVER INSURANCE COMPANY
					
	By:	 	 /s/ David L Metzler
	 		 	By:	 	 /s/Jim Koher

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	Executive Director
					
	Date:	 	11/7/03	 		 	Date:	 	11/20/03
					
	By:	 	 /s/ Donald C. Remfert
	 		 	By:	 	 /s/ Lloyd Spencer

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	Vice President
					
	Date:	 	11/7/03	 		 	Date:	 	11/20/03

  
 2of2

 AMENDMENT 3 
 Effective August 1, 2002 
 To 

AUTOMATIC AND FACULTATIVE 
 REINSURANCE AGREEMENT 
 (COINSURANCE BASIS) 

Effective May 1, 2002 
 (the “Agreement”) 
 between 

KANSAS CITY LIFE INSURANCE COMPANY 
 (“Ceding Company”) 
 and 

SECURITY LIFE OF DENVER INSURANCE COMPANY 
 (“Reinsurer”) 
 WHEREAS, the Reinsurer currently reinsures Ceding Company’s plans
under the Agreement; and 
 WHEREAS, the Ceding Company wishes to reduce the minimum issue ages for 10 Year, 15 Year, 20 Year, and 30 Year
Advantage Level Premium Term Plans from a minimum issue age of 20 years old to a minimum issue age of 18 years old by amending the following for policies issued on or after the Effective Date of this Amendment: 

1. Automatic Net Coinsurance Premiums - Life; and 
 2. Automatic Net Coinsurance Premiums - Supplemental Benefits; and 
 WHEREAS, the Reinsurer wishes
to accept these amendments. 
 AGREEMENT 
 The parties agree to the following: 
  

	1.	Schedule B, Section 1.a is amended to include the following: 

 Effective August 1, 2002: 
 Net coinsurance premiums pursuant to
Article 7.c. are determined using the following: the standard annual coinsurance premiums per $1000 reinsured are the KCL Final Term Rates, attached to Amendment 1, as Schedule B-V. 

The coinsurance allowances are the Revised Gross Allowances, attached to this Amendment 3, as Schedule B-VII, with the Ceding Company
receiving these allowances less [****]* in all years. 

  
 1of4

 *This is the fee being paid directly to [****] by the Reinsurer on behalf of the Ceding
Company. 
  

	2.	Schedule B, Section 2 is amended to include the following: 

 Effective August 1, 2002: 
 Disability Waiver of Premium Benefit
coinsurance premiums are the Revised Kansas City Life 10 and 20 Year Term Premium Rates-Waiver of Premium, attached to this Amendment 3, as Schedule B-VIII, less the following allowances: 

 

					
	 Year
	  	Allowance	 
	 1
	  	 	15	% 
	 2+
	  	 	85	% 

  

	3.	Except as herein amended, all other terms and conditions of this Agreement shall remain unchanged. 

In witness of the above, Ceding Company and the Reinsurer have, by their respective officers, executed and delivered this Amendment in duplicate on the
dates indicated below, with an effective date of August 1, 2002. 
  

									
	KANSAS CITY LIFE INSURANCE COMPANY	 		 	SECURITY LIFE OF DENVER INSURANCE COMPANY
					
	By:	 	 /s/ David L Metzler
	 		 	By:	 	 /s/Jim Koher

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	Executive Director
					
	Date:	 	9/12/04	 		 	Date:	 	8/20/04
					
	By:	 	 /s/ Donald C. Remfert
	 		 	By:	 	 /s/ Jim R Senn

					
	Title:	 	AVP & Associate Actuary	 		 	Title:	 	President, Individual Re
					
	Date:	 	9/12/04	 		 	Date:	 	September 1, 2004

  
 2Of4

 SCHEDULE 8-VII 
 NET COINSURANCE PREMIUMS 
 STANDARD ANNUAL COINSURANCE PREMIUMS

 Revised Gross Allowances 

  
 3Of4

  

			
		  	FY Allowance: 100%
		
	 Product
	  	10 year Advantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	 FY Allowance: 100%

		
	 Product
	  	15 year Advantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  

			
		  	 FY Allowance: 100%

		
	 Product
	  	15 year NonAdvantage

  

																																									
	 	  	Renewal Allowances	 
	 	  	Female	 	  	Male	 
	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 	  	18-29	 	  	30-39	 	  	40-49	 	  	50-59	 	  	60+	 
	 Standard NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Elite NT
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Standard Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  
	 Preferred Tob
	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  

  
 1of2

  

											
		  	FY Allowance: 100%
		
	 Product
	  	20 year Advantage

  

																					
	 	  	Renewal Allowances
	 	  	Female	  	Male
	 	  	18-29	  	30-39	  	40-49	  	50-59	  	60+	  	18-29	  	30-39	  	40-49	  	50-59	  	60+
	 Standard NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Elite NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Standard Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]

  

											
		  	FY Allowance: 100%
		
	 Product
	  	30 year Advantage

  

													
	 	  	Renewal Allowances
	 	  	Female	  	Male
	 	  	18-29	  	30-39	  	40-50	  	18-29	  	30-39	  	40-50
	 Standard NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Elite NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Standard Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]

  

											
		  	FY Allowance: 100%
		
	 Product
	  	30 year NonAdvantage

 

													
	 	  	Renewal Allowances
	 	  	Female	  	Male
	 	  	18-29	  	30-39	  	40-50	  	18-29	  	30-39	  	40-50
	 Standard NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Elite NT
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Standard Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]
	 Preferred Tob
	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]	  	[****]

  
 2of2

 SCHEDULE B_VIII 

NET COINSURANCE PREMIUMS 
 DISABILITY WAIVER OF PREMIUM BENEFIT COINSURANCE PREMIUMS 
 Revised Kansas
City Life 10 and 20 Year Term Premium Rates - Waiver of Premium 

  
 4Of4

 Waiver of Premium 

Revised Annual Rider Rates per $1000 
  

											
	Waiver of Premium	  	 	  	Sheet	  	 	  	 
	Revised Annual Rider Rates per $1000	  	 	  	 	  	 	  	 
	 	  	 	  	 	  	 	  	 	  	YRT Rates
After Initial
Term Period
	Age	  	Level 10	  	Age	  	Level 20	  	Age	  	 
						
	 18
	  	0.10	  	18	  	0.11	  	28	  	0.11
	 19
	  	0.10	  	19	  	0.11	  	29	  	0.11
	 20
	  	0.10	  	20	  	0.11	  	30	  	0.11
	 21
	  	0.10	  	21	  	0.11	  	31	  	0.11
	 22
	  	0.10	  	22	  	0.11	  	32	  	0.11
	 23
	  	0.10	  	23	  	0.11	  	33	  	0.12
	 24
	  	0.10	  	24	  	0.11	  	34	  	0.12
	 25
	  	0.10	  	25	  	0.11	  	35	  	0.13
	 26
	  	0.10	  	26	  	0.11	  	36	  	0.14
	 27
	  	0.10	  	27	  	0.11	  	37	  	0.15
	 28
	  	0.10	  	28	  	0.11	  	38	  	0.16
	 29
	  	0.10	  	29	  	0.11	  	39	  	0.18
	 30
	  	0.10	  	30	  	0.11	  	40	  	0.20
	 31
	  	0.10	  	31	  	0.11	  	41	  	0.22
	 32
	  	0.10	  	32	  	0.11	  	42	  	0.24
	 33
	  	0.11	  	33	  	0.12	  	43	  	0.27
	 34
	  	0.11	  	34	  	0.12	  	44	  	0.30
	 35
	  	0.12	  	35	  	0.13	  	45	  	0.34
	 36
	  	0.12	  	36	  	0.14	  	46	  	0.42
	 37
	  	0.13	  	37	  	0.15	  	47	  	0.48
	 38
	  	0.14	  	38	  	0.16	  	48	  	0.55
	 39
	  	0.15	  	39	  	0.18	  	49	  	0.67
	 40
	  	0.17	  	40*	  	0.20	  	50	  	0.75
	 41
	  	0.19	  	41*	  	0.22	  	51	  	1.04
	 42
	  	0.21	  	42*	  	0.24	  	52	  	1.32
	 43
	  	0.24	  	43*	  	0.27	  	53	  	1.63
	 44
	  	0.27	  	44*	  	0.30	  	54	  	2.04
	 45
	  	0.29	  	45*	  	0.34	  	55	  	2.46
	 46
	  	0.31	  	46*	  	0.42	  	56+	  	3.00
	 47
	  	0.35	  	47*	  	0.48	  	57+	  	3.30
	 48
	  	0.42	  	48*	  	0.55	  	58+	  	3.82
	 49
	  	0.51	  	49*	  	0.67	  	59+	  	4.91
	 50*
	  	0.64	  	50*	  	0.75	  		  	
	 51*
	  	0.81	  	51*	  	1.04	  		  	
	 52*
	  	1.01	  	52*	  	1.32	  		  	
	 53*
	  	1.23	  	53*	  	1.63	  		  	
	 54*
	  	1.53	  	54*	  	2.04	  		  	
	 55*
	  	1.93	  	55*	  	2.46	  		  	

  

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

	+	Rates for Renewal Only 

  
 1 of 1

 ING~ReDRe 
 UNITED STATES OF AMERICA 
 Jim Senn FSA,FCIA 

President 
 October 20, 2004 

Mr. Donald Remfert ASA, MAAA 
 Assistant
Vice President and Associate Actuary 
 Kansas City Life Insurance Company 
 3520 Broadway 
 Kansas City, MO 64111-2565 

 

	RE:	Termination of all ING Re Reinsurance Agreements) for New Business & 

 ING Re Facultative Offer Expiration 
 Dear Mr. Remfert: 

I am writing regarding all reinsurance agreements, including any reinsurance transactions currently under negotiation, in which the company above or any
affiliate companies may cede ally business to security Life of Denver Insurance Company or Security Life of Denver International Limited (collectively “ING Re”) (“Reinsurance Agreement(s)”). 

This letter will serve as ING Re’s notice to terminate all Reinsurance Agreements for the cession of new business effective as of ninety days after
the date of this letter or the earliest date permitted by each Reinsurance Agreement (“Termination Date”) As such ING Re will not accept cessions of any policies issued after the Termination Date under any Reinsurance Agreement.
Additionally, unless expressly permitted by the Reinsurance Agreement(s), ING Re will not accept cessions of policies issued after the termination Date and backdated prior to the Termination Date. 

If ING Re, the company above or any affiliate company previously provided a termination notice for any Reinsurance Agreement, such Reinsurance Agreement
will terminate in accordance with those terms and this letter does not supercede such termination. 
 Finally, any facultative offers made by
ING Re pursuant to any Reinsurance Agreements will automatically terminate and expire no later than January 18, 2005 or the earliest date permitted by each facultative offer or each Reinsurance Agreement. If ING Re previously provided a
facultative offer with an expiration date prior to January 18, 2005 such facultative offer will expire in accordance with the terms of the offer and this letter does not supercede such expiration date. 

Thank you very much for your business through the years. 
  

	
	Sincerely,
	
	/s/ Jim Senn
	Jim Senn
	President, Security Life of Denver Insurance Company Individual Reinsurance Division and Chief Executive, Security Life of Denver International Limited

1290 Broadway, Denver, Colorado 80203-5699 

Telephone 303.860.2698 . 800.525.9852 
 Fax
303.813.2698 . jim.senn@ing.re.com 
 Security Life of Denver Insurance CompanyAutomatic and Facultative Coinsurance Reinsurance Agreement

 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(h) 
 8419-00-00 
 AUTOMATIC AND FACULTATIVE COINSURANCE REINSURANCE AGREEMENT

 BETWEEN 
 KANSAS CITY LIFE INSURANCE COMPANY 
 (HEREINAFTER
CALLED THE “CEDING COMPANY”) 
 KANSAS
CITY, MISSOURI, USA 
 and 
 RGA REINSURANCE COMPANY 
 (HEREINAFTER CALLED
THE “ REINSURER”) 
 ST. LOUIS, MISSOURI, USA

 THIS AGREEMENT IS EFFECTIVE MAY 1, 2002

 TABLE OF CONTENTS 

 

							
	 ARTICLE
	  	 TITLE
	  	PAGE	 
			
	I	  	PARTIES TO THE AGREEMENT	  	 	3	  
	II	  	COMMENCEMENT, TERMINATION AND CONTINUANCE OF REINSURANCE	  	 	3	  
	III	  	SCOPE	  	 	4	  
	IV	  	COVERAGE	  	 	5	  
	V	  	LIABILITY	  	 	6	  
	VI	  	RETENTION AND RECAPTURE	  	 	6	  
	VII	  	REINSURANCE PREMIUMS AND ALLOWANCES	  	 	6	  
	VIII	  	RESERVES	  	 	7	  
	IX	  	TERMINATIONS AND REDUCTIONS	  	 	7	  
	X	  	POLICY ALTERATIONS	  	 	7	  
	XI	  	POLICY ADMINISTRATION AND PREMIUM ACCOUNTING	  	 	8	  
	XII	  	CLAIMS	  	 	9	  
	XIII	  	ARBITRATION	  	 	10	  
	XIV	  	INSOLVENCY	  	 	11	  
	XV	  	OFFSET	  	 	11	  
	XVI	  	RIGHT TO INSPECT	  	 	12	  
	XVII	  	UNINTENTIONAL ERRORS, MISUNDERSTANDINGS OR OMISSIONS	  	 	12	  
	XVIII	  	CHOICE OF LAW, FORUM AND LANGUAGE	  	 	12	  
	XIX	  	ALTERATIONS TO THE AGREEMENT	  	 	12	  
	XX	  	EXECUTION OF THE AGREEMENT	  	 	13	  
			
	 SCHEDULES
	  	 	  	 	 
			
	I	  	REINSURANCE SPECIFICATIONS	  	 	14	  
	II	  	RETENTION	  	 	18	  
	III	  	BUSINESS COVERED	  	 	19	  
	IV	  	REINSURANCE PREMIUMS	  	 	20	  
	V	  	LIMITS	  	 	40	  
	VI	  	SAMPLE STATEMENT SPECIFICATIONS	  	 	41	  
	VII	  	SAMPLE POLICY EXHIBIT	  	 	42	  
	VIII	  	DEFINITIONS	  	 	43	  

  
 2 

 ARTICLE I - PARTIES TO THE
AGREEMENT 
 Reinsurance required by the Ceding Company will be assumed by the Reinsurer as described in the terms of this
Agreement. 
 This is an Agreement solely between the Reinsurer and the Ceding Company. In no instance will anyone other than the Reinsurer or
the Ceding Company have any rights under this Agreement, and the Ceding Company is and will remain solely liable to any insured, policyowner, or beneficiary under the Original Policies reinsured hereunder. 

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

 

	1.	AGREEMENT COMMENCEMENT 

 Notwithstanding the date on which this Agreement is signed, this Agreement will take effect as from the date shown in the attached Schedule I, and applies to new business taking effect on and after this
date. 
  

	2.	AGREEMENT TERMINATION 

 This Agreement will be in effect for an indefinite period and may be terminated as to new reinsurance at any time by either party giving ninety (90) days written notice of termination. The day the
notice is mailed to the other party’s Home Office, or, if the mail is not used, the day it is delivered to the other party’s Home Office or to an Officer of the other party will be the first day of the ninety (90) day period.

 During the ninety (90) day period, this Agreement will continue to operate in accordance with its terms. 

 

	3.	POLICY TERMINATION 

 If the Policy is terminated by death, lapse, surrender or otherwise, the reinsurance will terminate on the same date. If premiums have been paid on the reinsurance for a period beyond the termination
date, refunds will follow the terms as shown in Schedule I. 
 If the Policy continues in force without payment of premium during
any days of grace pending its surrender, whether such continuance be as a result of a Policy provision or a practice of the Ceding Company, the reinsurance will also continue without payment of premium and will terminate on the same date as the
Ceding Company’s risk terminates. 
 If the Policy continues in force because of the operation of an Automatic Premium Loan
provision, or other such provision by which the Ceding Company receives compensation for its risk, then the reinsurance will also continue and the Ceding Company will pay the Reinsurer the reinsurance premium for the period to the date of
termination. 
  

	4.	CONTINUATION OF REINSURANCE 

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

  
 3 

 ARTICLE III - SCOPE 

 

	1.	RETENTION OF THE CEDING COMPANY 

The type and amount of the Ceding Company’s retention on any one life is as shown in Schedule I. In determining all reinsured face
amounts in each case, any additional death benefits on the same life (e .g. additional term insurance or family income benefits) will be taken into account, as will all reinsured face amounts under any other existing policies, at the time of
commencement, of the policy ceded under this Agreement. 
 The Ceding Company may alter its retention in respect of future new
business at any time. The Ceding Company will promptly notify the Reinsurer of such alteration and its effective date. 
  

	2.	CURRENCY 

 All reinsurance to which the provisions of this Agreement apply will be effected in the same currencies as that expressed in the Original Policies and as shown in Schedule I. 

 

	3.	THE REINSURER’S SHARE 

The Reinsurer’s Share is as shown in Schedule I. 
  

	4.	BASIS OF REINSURANCE 

Plans of insurance listed in Schedule I will be reinsured on the basis described in Schedule I, using the rates given in the Rate Table as
shown in Schedule I. 
  

	5.	REINSURANCE ALLOWANCES 

 The Reinsurer will pay to the Ceding Company the reinsurance allowance, if any, as shown in Schedule I. If any reinsurance premiums or installments of reinsurance premiums are returned to the Ceding
Company, any corresponding reinsurance allowance previously credited to the Ceding Company, will be reimbursed to the Reinsurer. 
  

	6.	PREMIUM RATE GUARANTEE 

Premium Rate Guarantees, if any, are as shown in Schedule I. 

 

	7.	POLICY FEES 

 Policy fees, if any, are as shown in Schedule I. 
  

	8.	TAXES 

 Taxes, if any, are shown in Schedule I. 
  

	9.	EXPERIENCE REFUND OR PROFIT COMMISSION 

If an experience refund or profit commission is payable under this Agreement, the conditions and formula are as shown in Schedule I.

  

	10.	EXPENSE OF THE ORIGINAL POLICY 

The Ceding Company will bear the expense of all medical examinations, inspection fees and other charges incurred in connection with the
original policy. 

  
 4 

 ARTICLE IV - COVERAGE 

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

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

	 	1.	RETENTION 

 The Ceding Company has retained its limit of retention as shown in Schedule I; and 
  

	 	2.	PLANS AND RIDERS 

The basic plan or supplementary benefit, if any, is shown in Schedule I; and 

 

	 	3.	AUTOMATIC ACCEPTANCE LIMITS 

The underwriting class, age, minimum reinsurance amount, binding amounts and jumbo limits fall within the automatic limits as shown in
Schedule I; and 
  

	 	4.	UNDERWRITING 

 The risk is underwritten according to the Ceding Company’s Standard Guidelines; and 
 The Ceding Company has never made facultative application for reinsurance on the same life to the Reinsurer or any other Reinsurer; and 

 

	 	5.	RESIDENCE 

 The risk is a resident of the Countries, as shown in Schedule I. 
 If, for a given
application, the Ceding Company cannot comply with the automatic reinsurance conditions described above, or if the Ceding Company submits the application to other Reinsurers for their facultative assessment, the Ceding Company can submit this
application to the Reinsurer on a facultative basis. 
 FACULTATIVE PROVISIONS

 The Ceding Company will send copies of the original applications, all medical reports, inspection reports, attending
physician’s statement, and any additional information pertinent to the insurability of the risk to the Reinsurer. 
 The
Ceding Company will also notify the Reinsurer of any underwriting information requested or received after the initial request for reinsurance is made. For policies which contain automatic increase provisions, the Ceding Company will inform the
Reinsurer of the initial and ultimate risk amounts for which reinsurance is being requested, or in the case of indexed amounts, the basis of the indexing. 
 On a timely basis, the Reinsurer will submit a written decision to the Ceding Company. In no case will the Reinsurer’s offer on facultative submissions be open after 120 days have elapsed from the
date of the Reinsurer’s offer to participate in the risk. Acceptance of the offer and delivery of the policy according to the rules of the Ceding Company must occur within 120 days of the final reinsurance offer. Unless the Reinsurer explicitly
states in writing that the final offer is extended, the offer will be automatically withdrawn at the end of day 120. 
 The
Reinsurer will not be liable for proceeds paid under the Ceding Company’s conditional receipt or temporary insurance agreement for risks submitted on a facultative basis. 

  
 5 

 ARTICLE V - LIABILITY 

The liability of the Reinsurer for all claims within automatic cover and all claims arising after facultative acceptance as described in Article IV, will
commence simultaneously with that of the Ceding Company and will cease at the same time as the liability of the Ceding Company ceases. 
 ARTICLE VI - RETENTION AND RECAPTURE 
 If the Ceding Company changes its limit of retention as shown in Schedule I, written notice of the change will promptly be given to the Reinsurer. At the option of the Ceding Company, a corresponding
reduction may be made in the reinsurance in force under this Agreement, on all lives, on which the Ceding Company has maintained its maximum limit of retention, provided that all eligible business is reduced on the same basis. The Ceding Company may
apply the new limits of retention to existing reinsurance and reduce and recapture reinsurance inforce in accordance with the following rules: 
  

	1.	No recapture will be made unless reinsurance has been in force for the minimum period shown in Schedule I. 

 

	2.	Recapture will become effective on the policy anniversary date following written notification of the Ceding Company’s intent to recapture.

  

	3.	No recapture will be made unless the Ceding Company retained its maximum limit of retention for the plan, age and mortality rating at the time the policy was issued. No
recapture will be allowed in any class of fully reinsured business or in any classes of risks for which the Ceding Company established special retention limits less than the Ceding Company’s maximum retention limits for the plan, age, and
mortality rating at the time the policy was issued. 

  

	4.	If any reinsurance is recaptured, all reinsurance eligible for recapture, under the provisions of this Article, must be recaptured. 

 

	5.	If there is reinsurance with other reinsurers on risks eligible for recapture, the necessary reduction is to be applied to each company in proportion to the total
outstanding reinsurance. 

 ARTICLE VII - REINSURANCE PREMIUMS
AND ALLOWANCES 
  

	1.	LIFE REINSURANCE 

 Premiums for Life and Supplemental Benefit reinsurance will be as shown in Schedule I. 
  

	2.	SUBSTANDARD PREMIUMS 

 Premiums will be increased by any (flat) extra premium as shown in Schedule I, charged the insured on the face amount initially reinsured. Premiums will be increased by any substandard premium as shown in
Schedule I, charged the insured on the Reinsurer’s share of the face amount. 
  

	3.	JOINT POLICY PREMIUMS 

In the case of joint policy premiums, if any, the premium rate payable to the Reinsurer will be as shown in Schedule I . 

 

	4.	SUPPLEMENTAL BENEFITS 

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

  
 6 

 ARTICLE VIII - RESERVES 

Reserve requirements of the Ceding Company, if any, are as shown in Schedule I. 
 ARTICLE IX - TERMINATIONS AND REDUCTIONS 
 Terminations or reductions will take place in accordance with the following rules in order of priority: 
  

	1.	The Ceding Company must keep its initial or recaptured retention on the policy. 

 

	2.	Termination or reduction of a wholly reinsured policy will not affect other reinsurance inforce. 

 

	3.	A termination or reduction on a wholly retained case will cause an equal reduction in existing automatic reinsurance with the oldest policy being reduced first.

  

	4.	A termination or reduction will be made first to reinsurance of partially reinsured policies with the oldest policy being reduced first. 

 

	5.	If the policies are reinsured with multiple reinsurers, the reinsurance will be reduced by the ratio of the amount of reinsurance in each company to the total
outstanding reinsurance on the risk involved. 

  

	6.	When a policy is reinstated, reinsurance will be reinstated as if the lapse or reduction had not occurred. 

ARTICLE X - POLICY ALTERATIONS 

 

	1.	REINSTATEMENT 

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

 

	2.	EXTENDED TERM AND REDUCED PAID-UP
INSURANCE 

 If the original policy lapses and extended term insurance or
reduced paid-up insurance is elected under the terms of the policy, reinsurance will be proportionately adjusted. The reinsurance premiums will be calculated in the same manner as reinsurance premiums were calculated on the original policy.

  

	3.	EXCHANGES OR CONVERSIONS 

An exchange or conversion is a new policy replacing a policy issued earlier by the Ceding Company or a change in an existing policy that
is issued or made either: 
  

	 	1.	Under the terms of the original policy, or, 

  

	 	2.	Without the same new underwriting information the Ceding Company would obtain in the absence of the original policy, 

 

	 	3.	Without a suicide exclusion period, or contestable period of equal duration, to those contained in new issues by the Ceding Company, or 

 

	 	4.	Without the payment of the same allowances in the first year, that the Ceding Company would have paid in the absence of the original policy. 

  
 7 

 ARTICLE X - POLICY ALTERATIONS
(CONTINUED) 
 EXCHANGES OR CONVERSIONS,
(CONTINUED) 
 Exchanges or Conversions will be reinsured under this Agreement only if the original policy
was reinsured with the Reinsurer; the amount of reinsurance under this Agreement will not exceed the amount of the reinsurance on the original policy with the Reinsurer immediately prior to the exchange or conversion. Premiums will be as shown in
Schedule I. 
  

			
	Note:	 	An original date policy Reissue will not be treated as a continuation of the original policy. It will be treated as a new policy and the original policy will be treated as Not
Taken. All premiums previously paid to the Reinsurer for the original policy will be refunded to the Ceding Company. All premiums will be due on the new policy from the original issue date of the old policy.
		
	Note:	 	Re-Entry, e.g. wholesale replacement and similar programs are not covered under this Article. If Re-Entry is applicable to this treaty, then it will be covered in Schedule
I.

 ARTICLE XI - POLICY ADMINISTRATION AND
PREMIUM ACCOUNTING 
  

	1.	ACCOUNTING PERIOD AND PREMIUM DUE 

The Ceding Company will submit accounts to the Reinsurer, for reporting new business, alterations, terminations, renewals, claims, and
premium due, as shown in Schedule I. 
  

	2.	ACCOUNTING ITEMS 

 The accounts will contain a list of premiums due for the current accounting period, explain the reason for each premium payment, show premium subtotals adequate to use for premium accounting, including
first year and renewal year premiums and allowances. The account information should provide the ability to evaluate retention limits, premium calculations and to establish reserves. 

 

	3.	REINSURANCE ADMINISTRATION REQUIREMENTS

 Reinsurance Administration Requirements are as shown in Schedule I. 

 

	4.	PAYMENT OF BALANCES 

The Ceding Company will pay any balance due the Reinsurer, at the same time as the account is rendered, but in all cases, by the
Accounting and Premium Due frequency as shown in Schedule I. The Reinsurer will pay any balance due the Ceding Company, at the same time as the account is confirmed, however, at the latest, within thirty (30) days after receipt of the statement of
account. Should the Reinsurer be unable to confirm the account in its entirety, the confirmed portion of the balance will be paid immediately. As soon as the account has been fully confirmed, the difference will be paid immediately by the debtor.
All balances not paid within thirty (30) days of the due date shown on the statement will be in default. 

  
 8 

 ARTICLE XI - POLICY ADMINISTRATION
AND PREMIUM ACCOUNTING (CONTINUED) 
  

	5.	BALANCES IN DEFAULT 

The Reinsurer will have the right to terminate this Agreement, when balances are in default, by giving ninety (90) days written notice of
termination to the Ceding Company. As of the close of the last day of this ninety (90) day notice period, the Reinsurer’s liability for all risks reinsured under this Agreement will terminate. The first day of this ninety (90) day
notice of termination, resulting from default as described in paragraph four of this Article, will be the day the notice is received in the mail by the Ceding Company, or if the mail is not used, the day it is delivered to the Ceding Company. If all
balances in default are received within the ninety (90) day time period, the Agreement will remain in effect. The interest payable on balances in default is stipulated as shown in Schedule I. 

 

	6.	FLUCTUATIONS IN EXCHANGE RATES 

If the premium due periods allowed for the payment of balances are exceeded by either party, the debtor will bear the currency risk, in
the event of any subsequent alteration in the exchange rate, by more than five percent, unless the debtor is not responsible for the delay in payment. 
 ARTICLE XII - CLAIMS 
 Claims covered under this Agreement
include only death claims, which are those due to the death of the insured on a policy reinsured and any additional benefits which are defined in accordance with the underlying policy and are reinsured under this Agreement. 

 

	1.	NOTICE 

 The Ceding Company will promptly notify the Reinsurer of all claims. 
  

	2.	PROOFS 

 In every case of loss, copies of the proofs obtained by the Ceding Company will be taken by the Reinsurer as sufficient. Copies thereof, together with proof of the amount paid on such claim by the Ceding
Company will be furnished to the Reinsurer when requesting its share of the claim. 
  

	3.	PAYMENT OF BENEFITS 

The Reinsurer will pay its share of all payable claims, however, if the amount reinsured with the Reinsurer is more than the amount
retained by the Ceding Company and the claim is contestable, all papers in connection with such claim, including all underwriting and investigation papers, must be submitted to the Reinsurer for its recommendation before admission of any liability
on the part of the Ceding Company. 
 If the amount of insurance changes because of a misstatement of rate classification, the
Reinsurer’s share of reinsurance liability will change proportionately. 
  

	4.	CONTESTED CLAIMS 

 The Ceding Company will notify the Reinsurer of its intention to contest, compromise, or litigate a claim. Unless it declines to be a party to such action, the Reinsurer will pay its share of any
settlement up to the maximum that would have been payable under the specific policy had there been no controversy plus its share of specific expenses, except as specified below. 

  
 9 

 ARTICLE XII - CLAIMS (CONTINUED)

  

	5.	CLAIMS EXPENSES 

 If the Reinsurer declines to be a party to the contest, compromise, or litigation of a claim, it will pay its full share of the amount reinsured, as if there had been no contest, compromise, or
litigation, and its proportionate share of covered expenses incurred to the date, from the date it notifies the Ceding Company it declines to be a party. 
  

	6.	EXTRA CONTRACTUAL OBLIGATIONS 

In no event will the following categories of expenses or liabilities be reimbursed: 

 

	 	a.	Routine investigative or administrative expenses; 

  

	 	b.	Salaries of employees or other internal expenses of the Ceding Company or the original issuing companies; 

 

	 	c.	Extra contractual damages, including punitive damages and exemplary damages; or 

 

	 	d.	Expenses incurred in connection with a dispute or contest arising out of conflicting or any other claims of entitlement to policy proceeds or benefits.

 ARTICLE XIII - ARBITRATION 

 

	1.	GENERAL 

 The parties agree to act in all things with the highest good faith. However, if the parties cannot mutually resolve a dispute or claim, which arises out of, or in connection with this Agreement, including
formation and validity, and whether arising during, or after the period of this Agreement, the dispute or claim will be referred to an arbitration tribunal (a group of three arbitrators), and settled through arbitration. 

The arbitrators will be individuals, other than from the contracting companies, including those who have retired, with more than ten
(10) years insurance or reinsurance experience within the industry. 
 The arbitrators will base their decision on the terms
and conditions of this Agreement plus, as necessary, on the customs and practices of the insurance and reinsurance industry rather than solely on a strict interpretation of the applicable law; there will be no appeal from their decision, and any
court having jurisdiction of the subject matter, and the parties, may reduce that decision to judgment. 
  

	2.	NOTICE 

 To initiate arbitration, either party will notify the other party by Certified Mail of its desire to arbitrate, stating the nature of the dispute and the remedy sought. The party to which the notice is
sent, will respond to the notification in writing, within ten (10) days of its receipt. 
  

	3.	PROCEDURE 

 Each of the two parties will appoint one arbitrator, and these two arbitrators will select the third arbitrator. Upon the selection of the third arbitrator, the arbitration tribunal will be constituted,
and the third arbitrator will act as Chairman of the tribunal. 
 If either party fails to appoint an arbitrator within sixty
(60) days after the other party has given notice of appointing an arbitrator, then the Arbitration Association, as shown in Schedule I, will appoint an arbitrator for the party that has failed to do so. 

  
 10 

 ARTICLE XIII - ARBITRATION (CONTINUED)

  

	3.	PROCEDURE (CONTINUED) 

 The party that has failed to appoint an arbitrator will be responsible for all expenses levied by the Arbitration Association, for such appointment. Should the two arbitrators be unable to agree on the
choice of the third arbitrator, then the appointment of this arbitrator is left to the Arbitration Association. Such expense shall be borne 
 equal by each party to this Agreement. 
 The tribunal, may in its sole discretion
make orders and directions as it considers to be necessary for the final determination of the matters in dispute. Such orders and directions may be necessary with regard to pleadings, discovery, inspection of documents, examination of witnesses and
any other matters relating to the conduct of the arbitration. The tribunal, will have the widest discretion permissible under the law, and practice of the place of arbitration, when making such orders or directions. 

 

	4.	ARBITRATION COSTS 

 All costs of the arbitration will be determined by the tribunal, which may take into account the law and practice of the place of arbitration, and in what manner arbitration costs will be paid, and by
whom. 
  

	5.	PLACE OF ARBITIRATION 

The place of arbitration is as shown in Schedule I. 
  

	6.	ARBITRATION SETTLEMENT 

 The award of the tribunal, will be in writing, and binding upon the consenting parties. 
 ARTICLE XIV - INSOLVENCY 
 In the event of the insolvency of
the Ceding Company, this reinsurance shall be payable directly to the Ceding Company, or to its liquidator, receiver, conservator or statutory successor on the basis of the liability of the Ceding Company without diminution because of the insolvency
of the Ceding Company or because the liquidator, receiver, conservator or statutory successor of the Ceding Company has failed to pay all or a portion of any claim. It is agreed, however, that the liquidator, receiver, conservator or statutory
successor of the Ceding Company shall give written notice to the Reinsurers of the pendency of a claim against the Ceding Company indicating the policy or bond reinsurance which claim would involve a possible liability on the part of the Reinsurers
within a reasonable time after that claim is filed in the conservation or liquidation proceeding or in the receivership, and that during the pendency of that claim the Reinsurers may investigate that claim and interpose, at their own expense, in the
proceeding where that claim is to be adjudicated any defense(s) they may deem available to the Ceding Company or its liquidator, receiver, conservator or statutory successor. This expense incurred by the Reinsurers shall be chargeable, subject to
approval of the court, against the Ceding Company as part of the expense of conservation or liquidation to the extent of a pro rata share of the benefit which may accrue to the Ceding Company solely as a result of the defense undertaken by the
Reinsurers. 
  

	1.	Where two (2) or more Reinsurers are involved in the same claim and a majority in interest elect to interpose defense to that claim, the expense will be
apportioned in accordance with the terms of the Reinsurance Agreement as though that expense had been incurred by the Ceding Company. 

  

	2.	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. 

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

  
 11 

 ARTICLE XVI - RIGHT TO INSPECT

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

	1.	Copies of the whole or part of any documents relating to the risks and their reinsurance be made available to the Reinsurer at its own expense;

  

	2.	During the Ceding Company’s normal office hours these documents will be made available to a representative of the Reinsurer who will be named in advance;
notification of such visits will normally be given two weeks in advance and even in urgent cases at least forty-eight hours in advance; and 

  

	3.	The Reinsurer will have this right of inspection as long as one of the two parties to this Agreement is claiming from the other. 

ARTICLE XVII - UNINTENTIONAL ERRORS, MISUNDERSTANDINGS
OR OMISSIONS 
 It is expressly understood and agreed that if failure to comply with any terms of this
Agreement is hereby shown to be the result of an unintentional error, misunderstanding or omission, on the part of either the Ceding Company or the Reinsurer, both the Ceding Company and the Reinsurer, will be restored to the position they would
have occupied, had no such error, misunderstanding or omission occurred, subject always to the correction of the error, misunderstanding or omission. 
 ARTICLE XVIII - CHOICE OF LAW, FORUM, AND LANGUAGE 

 

	1.	CHOICE OF LAW AND FORUM 

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

	2.	LANGUAGE 

 The Parties hereto acknowledge and agree that, even though they may execute this Agreement in both an English version and in another language, as shown in Schedule I, the version as shown in Schedule I
will control for all legal purposes in the event of any inconsistency between or disagreement between the two versions. 

ARTICLE XIX - ALTERATIONS TO THE AGREEMENT

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

  
 12 

 ARTICLE XX - EXECUTION OF THE
AGREEMENT 
 IN WITNESS OF THE ABOVE, 

KANSAS CITY LIFE INSURANCE COMPANY 
 OF 
 KANSAS CITY,
MISSOURI, USA 
 AND 

RGA REINSURANCE COMPANY 
 OF 
 ST. LOUIS,
MISSOURI, USA 
 HAVE BY THEIR RESPECTIVE OFFICERS
EXECUTED AND DELIVERED THIS AGREEMENT IN DUPLICATE ON THE DATES INDICATED
BELOW: 
  

									
	KANSAS CITY LIFE INSURANCE COMPANY	 		 		 	
					
	BY:	 	 /s/ David L. Metzler
	 		 	BY:	 	 /s/ Donald C. Remfert

					
	TITLE:	 	AVP & Associate Actuary	 		 	TITLE:	 	AVP & Associate Actuary
					
	DATE:	 	10/14/03	 		 	DATE:	 	10/14/03
				
	RGA REINSURANCE COMPANY	 		 		 	
					
	BY:	 	 /s/ Larry J. Shorey
	 		 		 	
					
	TITLE:	 	VICE PRESIDENT	 		 		 	
					
	DATE:	 	6/27/02	 		 		 	

  
 13 

 SCHEDULE I - REINSURANCE SPECIFICATION

 COMMENCEMENT, TERMINATION AND CONTINUANCE OF
REINSURANCE, ARTICLE II: 
  

					
	1.	 	EFFECTIVE DATE:	  	This Agreement applies to policies with applications received by the Ceding Company on and after May 1, 2002 .
			
	2.	 	POLICY TERMINATION: REFUNDS:	  	The Reinsurer will refund any unearned reinsurance premiums. However, policy fees, if any, will be deemed earned for a policy year if the policy is reinsured during any portion
of that policy year.

 SCOPE, ARTICLE III: 

 

					
			
	 1.
	  	RETENTION OF THE CEDING COMPANY:	  	See Schedule II, Retention
			
	 2.
	  	CURRENCY:	  	United Sates Dollars (“US$”)
			
	 3.
	  	THE REINSURER’S SHARE:	  	First Dollar Quota Share 10%
			
	 4.
	  	BASIS OF REINSURANCE:	  	Coinsurance
			
	 5.
	  	REINSURANCE ALLOWANCE:	  	See Schedule IV, Reinsurance Premiums
			
	 6.
	  	PREMIUM RATE GUARANTEE:	  	See Schedule IV, Reinsurance Premiums
			
	 7.
	  	POLICY FEES:	  	See Schedule IV, Reinsurance Premiums
			
	 8.
	  	TAXES:	  	

 DAC TAX REGULATIONS

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

	 	1.	The term “party” will refer to either the Ceding Company or the Reinsurer as appropriate. 

 

	 	2.	The terms used in this Article are defined by reference to Treasury Regulation Section 1.848-2 in effect as of December 29, 1992. The term “net
consideration” will refer to net consideration as defined in Treasury Regulation Section 1.848-2(f). 

  
 14 

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED) 
 SCOPE, ARTICLE III (CONTINUED): 

 

	 	8.	TAXES (CONTINUED): 

  

	 	3.	The party with the net positive consideration for this Agreement for each taxable year will capitalize specified policy acquisition expenses with respect to this
Agreement without regard to the general deductions limitation of IRS Section 848(c)(1). 

  

	 	4.	The Ceding Company and the Reinsurer agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency.
The Ceding Company and the Reinsurer also agree to exchange information which may be otherwise required by the IRS. 

  

	 	5.	The Ceding Company will submit a schedule to the Reinsurer by June 1 of each year of its calculation of the net consideration for the preceding calendar year. This
schedule of calculations will be accompanied by a statement signed by an officer of the Ceding Company stating that the Ceding Company will report such net consideration in its tax return for the preceding calendar year. 

 

	 	6.	The Reinsurer may contest such calculation by providing an alternative calculation to the Ceding Company. If the Reinsurer does not so notify the Ceding Company, the
Reinsurer will report the net consideration as determined by the Ceding Company in the Reinsurer’s tax return for the previous calendar year. 

  

	 	7.	If the Reinsurer contests the Ceding Company’s calculation of the net consideration, the parties will act in good faith to reach an agreement as to the correct
amount. If the Ceding Company and the Reinsurer reach agreement on an amount of net consideration, each party will report such amount in their respective tax returns for the previous calendar year. 

 

					
		  	    PREMIUM TAX:	  	Premium Tax will not be reimbursed.
			
	9.	  	    EXPERIENCE REFUND OR PROFIT COMMISSION:	  	See Schedule IV, Reinsurance Premiums

COVERAGE, ARTICLE IV: 
  

					
			
	 1.
	  	 RETENTION:	  	See Schedule II, Retention
			
	 2.
	  	 PLAN(S) AND RIDER(S):	  	See Schedule III, Business Covered
			
	 3.
	  	 AUTOMATIC ACCEPTANCE LIMITS:	  	See Schedule V, Limits
			
	 4.
	  	 UNDERWRITING CLASS:	  	See Schedule IV, Reinsurance Premiums

  
 15 

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED ) 
 COVERAGE, ARTICLE IV (CONTINUED): 

 

					
	 5.
	  	    RESIDENCE:	  	United States, Canada, Puerto Rico or Guam

RETENTION AND RECAPTURE, ARTICLE VI: 

 

					
		  	       MINIMUM RECAPTURE PERIOD:	  	Available after the level term period for policies where the maximum retention is held at issue

 REINSURANCE PREMIUMS AND ALLOWANCES, ARTICLE VII: 

 

					
			
	 1.
	  	 LIFE REINSURANCE:	  	See Schedule IV Reinsurance Premiums
			
	 2.
	  	 SUBSTANDARD PREMIUMS:	  	See Schedule IV Reinsurance Premiums
			
	 3.
	  	 SUPPLEMENTARY BENEFITS:	  	See Schedule IV Reinsurance Premiums

RESERVES, ARTICLE VIII: 
 The Ceding Company agrees to post on its books any deficiency reserves on the coverage reinsured under this Agreement. 
 The Reinsurer will be responsible for calculating and holding basic and deficiency reserves on its share of the business under the Valuation of Life Insurance Policies Model Regulation, commonly known as
Guideline XXX. The Reinsurer’s X-Factors may differ from those of the Ceding Company. 
 POLICY
ALTERATIONS, ARTICLE X: 
  

					
			
	 1.
	  	 EXCHANGES OR CONVERSIONS:	  	See Schedule IV, Reinsurance Premiums
			
	 2.
	  	 RE-ENTRY’S:	  	See Schedule IV, Reinsurance Premiums

POLICY ADMINISTRATION AND PREMIUM ACCOUNTING, ARTICLE XI:

  

					
			
	 1.
	  	 ACCOUNTING PERIOD:	  	Monthly
			
		  	 PREMIUM DUE:	  	Annually in Advance
			
	2.	  	 ACCOUNTING ITEMS:	  	See Schedule VI, Sample Statement Specifications and Schedule VII, Sample Policy Exhibit
			
	3.	  	REINSURANCE ADMINISTRATION:	  	Self Administration

  
 16 

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED) 
 POLICY ADMINISTRATION AND PREMIUM
ACCOUNTING, ARTICLE XI (CONTINUED): 
  

	 	4.	BALANCES IN DEFAULT: 

The Reinsurer reserves the right to charge interest at the Prime Rate plus 2% as stated in the Wall Street Journal on
the 1st business day in January prior to the due date of
the premium when: 
  

	 	a.	Renewal premiums are not paid within sixty (60) days of the due date. 

  

	 	b.	Premiums for new business are not paid within one hundred twenty (120) days of the date the policy is issued. 

ARBITRATION, ARTICLE XIII: 
  

					
			
	 1.
	  	 ARBITRATION ASSOCIATION:	  	American Arbitration Association
			
	 2.
	  	 PLACE OF ARBITRATION:	  	St. Louis, Missouri, USA

 CHOICE
OF LAW, FORUM AND LANGUAGE, ARTICLE XVIII: 
  

					
			
	 1.
	  	 CHOICE OF LAW AND FORUM:	  	Missouri, USA
			
	 2.
	  	 LANGUAGE:	  	English

  
 17 

 SCHEDULE II - RETENTION 

The Ceding Company will retain 10% of each risk up to the maximum below: 

 

					
	Issue Age	  	Standard to Table F/Flat extra up to $15	  	Tables G to P and Flat Extra over $15
			
	 20-65
	  	$350,000	  	$200,000
	 66-75
	  	$250,000	  	$100,000

  
 18 

 SCHEDULE III - BUSINESS COVERED

 EFFECTIVE MAY 1, 2002 
 PLANS 
 10 Year Level Premium Term 

20 Year Level Premium Term 

RIDERS 

Waiver of Premium 

  
 19 

 SCHEDULE IV - REINSURANCE PREMIUMS

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

 

													
	 PLAN(S)
	  	RATE
GUARANTEE
PERIOD (YEARS)	 	  	RATE
TABLE	 	  	ALLOWANCES	 
	 10 Year Level Premium Term Plan
	  	 	10	  	  	 	S-1	  	  	 	S-IA	  
	 20 Year Level Premium Term Plan
	  	 	20	  	  	 	S-2	  	  	 	S-2A	  

 The Reinsurer will
share a proportional amount of all policy fees and pay a 100% allowance on policy fees in all years. 
 SUBSTANDARD
PREMIUMS: 
 SUBSTANDARD TABLE
EXTRA 
 Premiums will be increased by any substandard premium charged the
insured on the Reinsurer’s share of the face amount. For substandard table ratings, premiums will be increased by the following percent per table: 
 25% 
 FLAT EXTRA
PREMIUMS 
 The premium will be increased by any flat extra premium charged
the insured on the face amount initially reinsured, less total allowances as shown below: 
  

					
	 First Year Permanent
 Payable 6 Years or More:
	  	Renewal	 
	 75%
	  	 	15	% 
		
	 First Year Temporary
 Payable 1 - 5 Years:
	  	Renewal	 
	 15%
	  	 	10	% 

  
 20 

 SCHEDULE IV - REINSURANCE
PREMIUMS, (CONTINUED) 
 SUPPLEMENTAL BENEFITS:

 WAIVER OF PREMIUM: 

The annual premium to be paid to the Reinsurer for reinsurance of Waiver of Premium benefits will be based on the appropriate rate
charged the insured, less the applicable allowance as shown below: 
  

			
	 First Year Allowance
	 	 Renewal Year Allowance

		
	75%	 	15%

 rates in Rate Table S-
3 
 RE-ENTRY’S: 

Re-Entry’s are not covered under this Agreement. 
 CONVERSIONS OR EXCHANGES: 
 If any business covered under this Agreement is subsequently converted or exchanged to any other plan reinsured by the Reinsurer, then such business will be reinsured at the rates as shown in the
Agreement covering the new plan. Rates and allowances, or pay percentages, applicable to the new plan will be determined at point in scale based on the original policy that is being converted or exchanged. If the Agreement including the new rates
requires policy fees, then they will also apply to the new plan. 
 If any business covered under this Agreement, is subsequently
converted or exchanged to a plan that is not reinsured with the Reinsurer, under a specific document, then such business will be reinsured with the Reinsurer, at the rates as shown below. Rates will be determined at point in scale, based on the
original policy that is being converted or exchanged. 
 Rate Table S-4 
 EXPERIENCE REFUND OR PROFIT COMMISSION: 
 Experience Refund or Profit Commission is not covered by this Agreement. 

  
 21 

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
 RATE SCHEDULE S-1 

  
 22 

 S-1 
 Rates for Initial Guaranted Period 
 RATES 
 Level 10 (Introduction 06/01/99) 
  

																																											
	 	 	  	MALE	 	  	FEMALE	 
	 Issue
Age
	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
	 	20	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.96	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	21	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.96	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	22	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.96	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	23	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.96	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	24	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.96	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	25	  	  	 	0.48	  	  	 	0.54	  	  	 	0.79	  	  	 	1.14	  	  	 	1.97	  	  	 	0.41	  	  	 	0.45	  	  	 	0.62	  	  	 	0.97	  	  	 	1.39	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	26	  	  	 	0.48	  	  	 	0.55	  	  	 	0.80	  	  	 	1.16	  	  	 	1.98	  	  	 	0.41	  	  	 	0.45	  	  	 	0.63	  	  	 	0.97	  	  	 	1.42	  
	 	27	  	  	 	0.48	  	  	 	0.55	  	  	 	0.80	  	  	 	1.17	  	  	 	1.99	  	  	 	0.41	  	  	 	0.45	  	  	 	0.63	  	  	 	0.97	  	  	 	1.42	  
	 	28	  	  	 	0.49	  	  	 	0.56	  	  	 	0.81	  	  	 	1.18	  	  	 	2.01	  	  	 	0.41	  	  	 	0.46	  	  	 	0.64	  	  	 	0.98	  	  	 	1.45	  
	 	29	  	  	 	0.49	  	  	 	0.56	  	  	 	0.81	  	  	 	1.19	  	  	 	2.01	  	  	 	0.41	  	  	 	0.46	  	  	 	0.64	  	  	 	1.00	  	  	 	1.48	  
	 	30	  	  	 	0.49	  	  	 	0.57	  	  	 	0.82	  	  	 	1.22	  	  	 	2.02	  	  	 	0.41	  	  	 	0.46	  	  	 	0.65	  	  	 	1.01	  	  	 	1.51	  
	 	31	  	  	 	0.49	  	  	 	0.58	  	  	 	0.83	  	  	 	1.26	  	  	 	2.08	  	  	 	0.41	  	  	 	0.47	  	  	 	0.66	  	  	 	1.03	  	  	 	1.54	  
	 	32	  	  	 	0.49	  	  	 	0.59	  	  	 	0.84	  	  	 	1.29	  	  	 	2.10	  	  	 	0.42	  	  	 	0.48	  	  	 	0.68	  	  	 	1.06	  	  	 	1.63	  
	 	33	  	  	 	0.49	  	  	 	0.60	  	  	 	0.85	  	  	 	1.39	  	  	 	2.12	  	  	 	0.42	  	  	 	0.48	  	  	 	0.69	  	  	 	1.07	  	  	 	1.67	  
	 	34	  	  	 	0.49	  	  	 	0.61	  	  	 	0.86	  	  	 	1.46	  	  	 	2.13	  	  	 	0.42	  	  	 	0.48	  	  	 	0.70	  	  	 	1.08	  	  	 	1.73	  
	 	35	  	  	 	0.49	  	  	 	0.62	  	  	 	0.88	  	  	 	1.49	  	  	 	2.15	  	  	 	0.43	  	  	 	0.49	  	  	 	0.71	  	  	 	1.15	  	  	 	1.80	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	36	  	  	 	0.51	  	  	 	0.64	  	  	 	0.92	  	  	 	1.55	  	  	 	2.26	  	  	 	0.43	  	  	 	0.50	  	  	 	0.74	  	  	 	1.27	  	  	 	1.93	  
	 	37	  	  	 	0.54	  	  	 	0.68	  	  	 	0.95	  	  	 	1.65	  	  	 	2.36	  	  	 	0.43	  	  	 	0.57	  	  	 	0.82	  	  	 	1.32	  	  	 	2.04	  
	 	38	  	  	 	0.57	  	  	 	0.71	  	  	 	1.01	  	  	 	1.80	  	  	 	2.54	  	  	 	0.44	  	  	 	0.60	  	  	 	0.87	  	  	 	1.43	  	  	 	2.19	  
	 	39	  	  	 	0.61	  	  	 	0.78	  	  	 	1.09	  	  	 	1.97	  	  	 	2.73	  	  	 	0.47	  	  	 	0.64	  	  	 	0.94	  	  	 	1.49	  	  	 	2.37	  
	 	40	  	  	 	0.66	  	  	 	0.84	  	  	 	1.18	  	  	 	2.16	  	  	 	2.98	  	  	 	0.51	  	  	 	0.69	  	  	 	1.02	  	  	 	1.66	  	  	 	2.57	  
	 	41	  	  	 	0.72	  	  	 	0.91	  	  	 	1.28	  	  	 	2.41	  	  	 	3.30	  	  	 	0.55	  	  	 	0.74	  	  	 	1.11	  	  	 	1.82	  	  	 	2.80	  
	 	42	  	  	 	0.79	  	  	 	0.99	  	  	 	1.40	  	  	 	2.68	  	  	 	3.63	  	  	 	0.60	  	  	 	0.79	  	  	 	1.19	  	  	 	1.97	  	  	 	3.01	  
	 	43	  	  	 	0.86	  	  	 	1.08	  	  	 	1.53	  	  	 	2.96	  	  	 	3.99	  	  	 	0.65	  	  	 	0.84	  	  	 	1.28	  	  	 	2.12	  	  	 	3.24	  
	 	44	  	  	 	0.93	  	  	 	1.17	  	  	 	1.67	  	  	 	3.32	  	  	 	4.44	  	  	 	0.71	  	  	 	0.89	  	  	 	1.37	  	  	 	2.28	  	  	 	3.44	  
	 	45	  	  	 	1.01	  	  	 	1.28	  	  	 	1.83	  	  	 	3.65	  	  	 	4.85	  	  	 	0.77	  	  	 	0.95	  	  	 	1.46	  	  	 	2.47	  	  	 	3.64	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	46	  	  	 	1.10	  	  	 	1.40	  	  	 	2.00	  	  	 	3.93	  	  	 	5.44	  	  	 	0.83	  	  	 	1.02	  	  	 	1.55	  	  	 	2.64	  	  	 	4.02	  
	 	47	  	  	 	1.20	  	  	 	1.53	  	  	 	2.17	  	  	 	4.23	  	  	 	6.03	  	  	 	0.90	  	  	 	1.09	  	  	 	1.65	  	  	 	2.81	  	  	 	4.34	  
	 	48	  	  	 	1.31	  	  	 	1.67	  	  	 	2.35	  	  	 	4.58	  	  	 	6.59	  	  	 	0.97	  	  	 	1.17	  	  	 	1.76	  	  	 	3.01	  	  	 	4.66	  
	 	49	  	  	 	1.43	  	  	 	1.81	  	  	 	2.54	  	  	 	4.98	  	  	 	7.18	  	  	 	1.04	  	  	 	1.26	  	  	 	1.88	  	  	 	3.26	  	  	 	5.04	  
	 	50	  	  	 	1.56	  	  	 	1.96	  	  	 	2.74	  	  	 	5.41	  	  	 	7.95	  	  	 	1.12	  	  	 	1.35	  	  	 	2.01	  	  	 	3.54	  	  	 	5.41	  
	 	51	  	  	 	1.69	  	  	 	2.12	  	  	 	2.96	  	  	 	5.91	  	  	 	8.51	  	  	 	1.20	  	  	 	1.45	  	  	 	2.15	  	  	 	3.73	  	  	 	5.73	  
	 	52	  	  	 	1.84	  	  	 	2.30	  	  	 	3.20	  	  	 	6.35	  	  	 	8.99	  	  	 	1.29	  	  	 	1.56	  	  	 	2.30	  	  	 	4.01	  	  	 	6.18	  
	 	53	  	  	 	2.01	  	  	 	2.51	  	  	 	3.47	  	  	 	6.91	  	  	 	9.56	  	  	 	1.40	  	  	 	1.68	  	  	 	2.47	  	  	 	4.38	  	  	 	6.68	  
	 	54	  	  	 	2.20	  	  	 	2.75	  	  	 	3.76	  	  	 	7.50	  	  	 	10.42	  	  	 	1.52	  	  	 	1.81	  	  	 	2.66	  	  	 	4.71	  	  	 	7.09	  
	 	55	  	  	 	2.41	  	  	 	3.01	  	  	 	4.08	  	  	 	8.08	  	  	 	11.28	  	  	 	1.65	  	  	 	1.95	  	  	 	2.87	  	  	 	5.08	  	  	 	7.50	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	56	  	  	 	2.66	  	  	 	3.30	  	  	 	4.45	  	  	 	8.91	  	  	 	13.24	  	  	 	1.78	  	  	 	2.10	  	  	 	3.09	  	  	 	5.36	  	  	 	7.99	  
	 	57	  	  	 	2.95	  	  	 	3.62	  	  	 	4.86	  	  	 	9.66	  	  	 	15.00	  	  	 	1.92	  	  	 	2.26	  	  	 	3.32	  	  	 	5.62	  	  	 	8.29	  
	 	58	  	  	 	3.27	  	  	 	3.98	  	  	 	5.33	  	  	 	10.50	  	  	 	15.78	  	  	 	2.07	  	  	 	2.43	  	  	 	3.57	  	  	 	6.15	  	  	 	9.04	  
	 	59	  	  	 	3.63	  	  	 	4.38	  	  	 	5.87	  	  	 	11.39	  	  	 	16.64	  	  	 	2.24	  	  	 	2.61	  	  	 	3.85	  	  	 	6.60	  	  	 	9.69	  
	 	60	  	  	 	4.04	  	  	 	4.83	  	  	 	6.49	  	  	 	11.85	  	  	 	17.39	  	  	 	2.43	  	  	 	2.81	  	  	 	4.16	  	  	 	7.08	  	  	 	10.34	  
	 	61	  	  	 	4.49	  	  	 	5.33	  	  	 	7.19	  	  	 	12.54	  	  	 	18.11	  	  	 	2.64	  	  	 	3.04	  	  	 	4.50	  	  	 	7.96	  	  	 	11.64	  
	 	62	  	  	 	5.01	  	  	 	5.90	  	  	 	7.79	  	  	 	13.16	  	  	 	18.47	  	  	 	2.88	  	  	 	3.32	  	  	 	4.88	  	  	 	8.84	  	  	 	12.93	  
	 	63	  	  	 	5.58	  	  	 	6.53	  	  	 	8.87	  	  	 	15.36	  	  	 	21.08	  	  	 	3.14	  	  	 	3.64	  	  	 	5.29	  	  	 	9.66	  	  	 	14.14	  
	 	64	  	  	 	6.22	  	  	 	7.24	  	  	 	9.85	  	  	 	17.72	  	  	 	23.72	  	  	 	3.44	  	  	 	4.01	  	  	 	5.75	  	  	 	10.45	  	  	 	15.29	  
	 	65	  	  	 	6.92	  	  	 	8.02	  	  	 	10.92	  	  	 	20.35	  	  	 	26.50	  	  	 	3.77	  	  	 	4.42	  	  	 	6.27	  	  	 	11.36	  	  	 	16.60	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	66	  	  	 	7.69	  	  	 	8.88	  	  	 	12.09	  	  	 	23.38	  	  	 	31.73	  	  	 	4.14	  	  	 	4.88	  	  	 	6.86	  	  	 	12.19	  	  	 	17.81	  
	 	67	  	  	 	8.54	  	  	 	9.83	  	  	 	13.38	  	  	 	26.02	  	  	 	37.69	  	  	 	4.56	  	  	 	5.40	  	  	 	7.54	  	  	 	13.23	  	  	 	19.29	  
	 	68	  	  	 	9.48	  	  	 	10.89	  	  	 	14.82	  	  	 	28.98	  	  	 	43.64	  	  	 	5.04	  	  	 	6.00	  	  	 	8.33	  	  	 	14.74	  	  	 	21.52	  
	 	69	  	  	 	10.52	  	  	 	12.08	  	  	 	16.45	  	  	 	32.27	  	  	 	50.22	  	  	 	5.59	  	  	 	6.70	  	  	 	9.25	  	  	 	16.55	  	  	 	24.23	  
	 	70	  	  	 	11.67	  	  	 	13.43	  	  	 	18.32	  	  	 	35.93	  	  	 	57.48	  	  	 	6.23	  	  	 	7.52	  	  	 	10.32	  	  	 	18.38	  	  	 	26.92	  
	 	71	  	  	 	12.95	  	  	 	14.97	  	  	 	20.49	  	  	 	40.54	  	  	 	62.75	  	  	 	6.98	  	  	 	8.48	  	  	 	11.57	  	  	 	19.29	  	  	 	28.93	  
	 	72	  	  	 	14.38	  	  	 	16.73	  	  	 	23.04	  	  	 	45.68	  	  	 	68.19	  	  	 	7.87	  	  	 	9.61	  	  	 	13.03	  	  	 	21.73	  	  	 	32.45	  
	 	73	  	  	 	15.99	  	  	 	18.75	  	  	 	26.06	  	  	 	50.98	  	  	 	72.99	  	  	 	8.93	  	  	 	10.95	  	  	 	14.74	  	  	 	24.62	  	  	 	36.57	  
	 	74	  	  	 	17.82	  	  	 	21.09	  	  	 	29.65	  	  	 	55.37	  	  	 	78.60	  	  	 	10.19	  	  	 	12.55	  	  	 	16.74	  	  	 	28.07	  	  	 	41.40	  
	 	75	  	  	 	19.92	  	  	 	23.82	  	  	 	33.92	  	  	 	60.85	  	  	 	84.90	  	  	 	11.67	  	  	 	14.49	  	  	 	19.09	  	  	 	31.00	  	  	 	47.07	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 

  

	*	Add $70 POLICY FEE 

 S-1 
 rates for policy years beyond initial guaranted 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	  
	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 POLICY FEE 

  

							
	Level 10 - MALE	  		  		  	 S-1A
  

KCL Allowances
  
     RGA

				
	PENT	  		  		  	
		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
				
	PNT	  		  		  	
		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
				
	NT	  		  		  	
		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
				
	PT	  		  		  	
		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
				
	T	  		  		  	
		  	1st Yr	  	[****]	  	[****]
		  	Renewal	  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]
		  		  	[****]	  	[****]

 S-1A 
  

											
	 Level 10 - FEMALE
	  		  				  	 	    RGA	  
				
	 PENT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
				
	 PNT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
				
	 NT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
				
	 PT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
				
	 T
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
  

 RATE SCHEDULE S-2 

  
 23 

 S-2 
 Rates for Initial Guaranteed Period 
 RATES 

Level 20 (Introduction 06/01/99) 
  

																																											
				  	 	MALE	  	  				  	 	FEMALE	  
	 Issue
 Age
	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	  	PBN	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 
											
	 	20	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.45	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	21	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.45	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	22	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.45	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	23	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.45	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	24	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.45	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	25	  	  	 	0.62	  	  	 	0.70	  	  	 	0.97	  	  	 	1.51	  	  	 	2.46	  	  	 	0.54	  	  	 	0.59	  	  	 	0.83	  	  	 	1.30	  	  	 	1.90	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	26	  	  	 	0.63	  	  	 	0.70	  	  	 	0.98	  	  	 	1.52	  	  	 	2.46	  	  	 	0.55	  	  	 	0.59	  	  	 	0.83	  	  	 	1.31	  	  	 	1.91	  
	 	27	  	  	 	0.63	  	  	 	0.71	  	  	 	0.98	  	  	 	1.53	  	  	 	2.47	  	  	 	0.55	  	  	 	0.60	  	  	 	0.83	  	  	 	1.31	  	  	 	1.91	  
	 	28	  	  	 	0.64	  	  	 	0.72	  	  	 	0.98	  	  	 	1.55	  	  	 	2.47	  	  	 	0.55	  	  	 	0.60	  	  	 	0.83	  	  	 	1.31	  	  	 	1.92	  
	 	29	  	  	 	0.64	  	  	 	0.73	  	  	 	0.99	  	  	 	1.56	  	  	 	2.48	  	  	 	0.55	  	  	 	0.61	  	  	 	0.83	  	  	 	1.35	  	  	 	1.94	  
	 	30	  	  	 	0.65	  	  	 	0.75	  	  	 	1.00	  	  	 	1.62	  	  	 	2.48	  	  	 	0.55	  	  	 	0.62	  	  	 	0.83	  	  	 	1.37	  	  	 	1.94	  
	 	31	  	  	 	0.66	  	  	 	0.77	  	  	 	1.02	  	  	 	1.69	  	  	 	2.58	  	  	 	0.56	  	  	 	0.64	  	  	 	0.84	  	  	 	1.42	  	  	 	1.98	  
	 	32	  	  	 	0.67	  	  	 	0.79	  	  	 	1.05	  	  	 	1.74	  	  	 	2.77	  	  	 	0.56	  	  	 	0.66	  	  	 	0.85	  	  	 	1.48	  	  	 	2.05	  
	 	33	  	  	 	0.67	  	  	 	0.81	  	  	 	1.10	  	  	 	1.87	  	  	 	3.01	  	  	 	0.56	  	  	 	0.67	  	  	 	0.88	  	  	 	1.49	  	  	 	2.13	  
	 	34	  	  	 	0.67	  	  	 	0.84	  	  	 	1.18	  	  	 	1.99	  	  	 	3.27	  	  	 	0.56	  	  	 	0.68	  	  	 	0.93	  	  	 	1.51	  	  	 	2.28	  
	 	35	  	  	 	0.69	  	  	 	0.88	  	  	 	1.27	  	  	 	2.12	  	  	 	3.54	  	  	 	0.57	  	  	 	0.70	  	  	 	0.98	  	  	 	1.59	  	  	 	2.47	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	36	  	  	 	0.73	  	  	 	0.93	  	  	 	1.36	  	  	 	2.26	  	  	 	3.77	  	  	 	0.59	  	  	 	0.73	  	  	 	1.04	  	  	 	1.73	  	  	 	2.77	  
	 	37	  	  	 	0.78	  	  	 	0.99	  	  	 	1.45	  	  	 	2.43	  	  	 	3.89	  	  	 	0.62	  	  	 	0.78	  	  	 	1.10	  	  	 	1.79	  	  	 	2.95	  
	 	38	  	  	 	0.83	  	  	 	1.06	  	  	 	1.54	  	  	 	2.72	  	  	 	4.17	  	  	 	0.65	  	  	 	0.83	  	  	 	1.16	  	  	 	1.94	  	  	 	3.27	  
	 	39	  	  	 	0.90	  	  	 	1.15	  	  	 	1.65	  	  	 	2.95	  	  	 	4.49	  	  	 	0.70	  	  	 	0.90	  	  	 	1.25	  	  	 	2.06	  	  	 	3.54	  
	 	40	  	  	 	0.98	  	  	 	1.25	  	  	 	1.77	  	  	 	3.22	  	  	 	4.91	  	  	 	0.75	  	  	 	0.97	  	  	 	1.35	  	  	 	2.29	  	  	 	3.81	  
	 	41	  	  	 	1.07	  	  	 	1.36	  	  	 	1.91	  	  	 	3.55	  	  	 	5.37	  	  	 	0.80	  	  	 	1.05	  	  	 	1.45	  	  	 	2.54	  	  	 	4.14	  
	 	42	  	  	 	1.17	  	  	 	1.49	  	  	 	2.07	  	  	 	3.98	  	  	 	5.84	  	  	 	0.86	  	  	 	1.13	  	  	 	1.56	  	  	 	2.78	  	  	 	4.46	  
	 	43	  	  	 	1.28	  	  	 	1.63	  	  	 	2.25	  	  	 	4.42	  	  	 	6.37	  	  	 	0.93	  	  	 	1.22	  	  	 	1.68	  	  	 	3.04	  	  	 	4.81	  
	 	44	  	  	 	1.41	  	  	 	1.79	  	  	 	2.45	  	  	 	5.03	  	  	 	7.05	  	  	 	1.01	  	  	 	1.32	  	  	 	1.81	  	  	 	3.34	  	  	 	5.14	  
	 	45	  	  	 	1.56	  	  	 	1.96	  	  	 	2.66	  	  	 	5.71	  	  	 	7.62	  	  	 	1.09	  	  	 	1.42	  	  	 	1.94	  	  	 	3.64	  	  	 	5.46	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	46	  	  	 	1.72	  	  	 	2.14	  	  	 	2.93	  	  	 	6.30	  	  	 	8.58	  	  	 	1.18	  	  	 	1.53	  	  	 	2.08	  	  	 	3.91	  	  	 	5.96	  
	 	47	  	  	 	1.89	  	  	 	2.34	  	  	 	3.20	  	  	 	6.87	  	  	 	9.49	  	  	 	1.29	  	  	 	1.64	  	  	 	2.24	  	  	 	4.18	  	  	 	6.38	  
	 	48	  	  	 	2.07	  	  	 	2.56	  	  	 	3.44	  	  	 	7.51	  	  	 	10.28	  	  	 	1.41	  	  	 	1.75	  	  	 	2.42	  	  	 	4.46	  	  	 	6.78	  
	 	49	  	  	 	2.26	  	  	 	2.79	  	  	 	3.76	  	  	 	8.18	  	  	 	11.19	  	  	 	1.54	  	  	 	1.87	  	  	 	2.63	  	  	 	4.79	  	  	 	7.26	  
	 	50	  	  	 	2.46	  	  	 	3.03	  	  	 	4.10	  	  	 	8.78	  	  	 	11.97	  	  	 	1.68	  	  	 	2.00	  	  	 	2.87	  	  	 	5.20	  	  	 	7.73	  
	 	51	  	  	 	2.67	  	  	 	3.28	  	  	 	4.45	  	  	 	9.52	  	  	 	12.79	  	  	 	1.83	  	  	 	2.14	  	  	 	3.14	  	  	 	5.46	  	  	 	8.26	  
	 	52	  	  	 	2.90	  	  	 	3.54	  	  	 	4.81	  	  	 	10.27	  	  	 	13.46	  	  	 	1.99	  	  	 	2.29	  	  	 	3.44	  	  	 	5.84	  	  	 	8.87	  
	 	53	  	  	 	3.17	  	  	 	3.81	  	  	 	5.19	  	  	 	11.05	  	  	 	15.13	  	  	 	2.17	  	  	 	2.46	  	  	 	3.77	  	  	 	6.37	  	  	 	9.55	  
	 	54	  	  	 	3.47	  	  	 	4.09	  	  	 	5.61	  	  	 	11.93	  	  	 	16.39	  	  	 	2.38	  	  	 	2.66	  	  	 	4.12	  	  	 	6.87	  	  	 	10.17	  
	 	55	  	  	 	3.81	  	  	 	4.39	  	  	 	6.01	  	  	 	12.62	  	  	 	17.47	  	  	 	2.61	  	  	 	2.88	  	  	 	4.49	  	  	 	7.45	  	  	 	10.87	  
	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 
	 	56	  	  	 	4.20	  	  	 	4.73	  	  	 	6.48	  	  	 	14.23	  	  	 	20.35	  	  	 	2.86	  	  	 	3.13	  	  	 	4.88	  	  	 	7.95	  	  	 	11.66	  
	 	57	  	  	 	4.63	  	  	 	5.11	  	  	 	7.00	  	  	 	16.15	  	  	 	23.04	  	  	 	3.14	  	  	 	3.41	  	  	 	5.30	  	  	 	8.43	  	  	 	12.23	  
	 	58	  	  	 	5.12	  	  	 	5.56	  	  	 	7.61	  	  	 	18.02	  	  	 	24.58	  	  	 	3.46	  	  	 	3.73	  	  	 	5.76	  	  	 	9.14	  	  	 	13.50	  
	 	59	  	  	 	5.68	  	  	 	6.10	  	  	 	8.34	  	  	 	19.78	  	  	 	25.53	  	  	 	3.81	  	  	 	4.08	  	  	 	6.27	  	  	 	9.87	  	  	 	14.62	  
	 	60	  	  	 	6.32	  	  	 	6.75	  	  	 	9.21	  	  	 	20.35	  	  	 	26.85	  	  	 	4.20	  	  	 	4.48	  	  	 	6.84	  	  	 	10.78	  	  	 	15.80	  
	 	61	  	  	 	7.12	  	  	 	8.29	  	  	 	10.20	  	  	 	22.26	  	  	 	28.18	  	  	 	4.98	  	  	 	5.29	  	  	 	7.74	  	  	 	11.70	  	  	 	16.59	  
	 	62	  	  	 	8.42	  	  	 	9.87	  	  	 	11.89	  	  	 	24.17	  	  	 	29.52	  	  	 	5.77	  	  	 	6.11	  	  	 	8.64	  	  	 	12.62	  	  	 	17.38	  
	 	63	  	  	 	9.72	  	  	 	11.45	  	  	 	13.58	  	  	 	26.08	  	  	 	30.85	  	  	 	6.55	  	  	 	6.92	  	  	 	9.55	  	  	 	13.54	  	  	 	18.17	  
	 	64	  	  	 	11.02	  	  	 	13.02	  	  	 	15.26	  	  	 	27.99	  	  	 	32.19	  	  	 	7.34	  	  	 	7.74	  	  	 	10.45	  	  	 	14.46	  	  	 	18.96	  
	 	65	  	  	 	12.32	  	  	 	14.60	  	  	 	16.95	  	  	 	29.90	  	  	 	33.52	  	  	 	8.12	  	  	 	8.55	  	  	 	11.35	  	  	 	15.38	  	  	 	19.75	  

 **
ADD $70 POLICY FEE 

 S-2 
 rates for policy years beyond initial guaranteed period: 
 Current Annual YRT Rates per 1000

  

																																															
	 ATT
 AGE
	 	  	MALE	 	 	 ATT
 AGE
	 	  	FEMALE	 
	  	PENT	 	  	PNT	 	  	SNT	 	  	PT	 	  	ST	 	 	  	PENT	 	  	PNT	 	  	SNT	 	  	PT	 	  	T	 
												
	 	30	  	  	 	2.05	  	  	 	2.05	  	  	 	2.58	  	  	 	3.91	  	  	 	4.68	  	 	 	30	  	  	 	1.37	  	  	 	1.37	  	  	 	2.06	  	  	 	2.38	  	  	 	3.54	  
	 	31	  	  	 	1.98	  	  	 	1.98	  	  	 	2.49	  	  	 	3.77	  	  	 	4.69	  	 	 	31	  	  	 	1.38	  	  	 	1.38	  	  	 	2.07	  	  	 	2.40	  	  	 	3.55	  
	 	32	  	  	 	1.93	  	  	 	1.93	  	  	 	2.46	  	  	 	3.66	  	  	 	4.70	  	 	 	32	  	  	 	1.39	  	  	 	1.39	  	  	 	2.08	  	  	 	2.42	  	  	 	3.56	  
	 	33	  	  	 	1.90	  	  	 	1.90	  	  	 	2.51	  	  	 	3.62	  	  	 	4.71	  	 	 	33	  	  	 	1.40	  	  	 	1.40	  	  	 	2.09	  	  	 	2.44	  	  	 	3.57	  
	 	34	  	  	 	1.90	  	  	 	1.90	  	  	 	2.53	  	  	 	3.61	  	  	 	4.73	  	 	 	34	  	  	 	1.42	  	  	 	1.42	  	  	 	2.10	  	  	 	2.46	  	  	 	3.58	  
	 	35	  	  	 	1.94	  	  	 	1.94	  	  	 	2.55	  	  	 	3.70	  	  	 	4.75	  	 	 	35	  	  	 	1.44	  	  	 	1.44	  	  	 	2.12	  	  	 	2.50	  	  	 	3.59	  
	 	36	  	  	 	2.06	  	  	 	2.06	  	  	 	2.59	  	  	 	3.93	  	  	 	4.77	  	 	 	36	  	  	 	1.47	  	  	 	1.47	  	  	 	2.14	  	  	 	2.76	  	  	 	3.60	  
	 	37	  	  	 	2.23	  	  	 	2.23	  	  	 	2.82	  	  	 	4.28	  	  	 	4.80	  	 	 	37	  	  	 	1.67	  	  	 	1.67	  	  	 	2.16	  	  	 	3.16	  	  	 	3.61	  
	 	38	  	  	 	2.45	  	  	 	2.45	  	  	 	3.11	  	  	 	4.72	  	  	 	5.22	  	 	 	38	  	  	 	1.90	  	  	 	1.90	  	  	 	2.39	  	  	 	3.62	  	  	 	3.98	  
	 	39	  	  	 	2.65	  	  	 	2.65	  	  	 	3.37	  	  	 	5.12	  	  	 	5.67	  	 	 	39	  	  	 	2.14	  	  	 	2.14	  	  	 	2.70	  	  	 	4.10	  	  	 	4.52	  
	 	40	  	  	 	2.89	  	  	 	2.89	  	  	 	3.69	  	  	 	5.59	  	  	 	6.20	  	 	 	40	  	  	 	2.42	  	  	 	2.42	  	  	 	3.07	  	  	 	4.66	  	  	 	5.15	  
	 	41	  	  	 	2.95	  	  	 	2.95	  	  	 	3.85	  	  	 	5.81	  	  	 	6.49	  	 	 	41	  	  	 	2.54	  	  	 	2.54	  	  	 	3.30	  	  	 	4.98	  	  	 	5.55	  
	 	42	  	  	 	3.05	  	  	 	3.05	  	  	 	4.08	  	  	 	6.11	  	  	 	6.87	  	 	 	42	  	  	 	2.66	  	  	 	2.66	  	  	 	3.55	  	  	 	5.31	  	  	 	5.97	  
	 	43	  	  	 	3.13	  	  	 	3.13	  	  	 	4.27	  	  	 	6.37	  	  	 	7.21	  	 	 	43	  	  	 	2.73	  	  	 	2.73	  	  	 	3.71	  	  	 	5.53	  	  	 	6.25	  
	 	44	  	  	 	3.25	  	  	 	3.25	  	  	 	4.53	  	  	 	6.72	  	  	 	7.65	  	 	 	44	  	  	 	2.79	  	  	 	2.79	  	  	 	3.86	  	  	 	5.72	  	  	 	6.50	  
	 	45	  	  	 	3.42	  	  	 	3.42	  	  	 	4.81	  	  	 	7.11	  	  	 	8.13	  	 	 	45	  	  	 	2.86	  	  	 	2.86	  	  	 	4.01	  	  	 	5.92	  	  	 	6.76	  
	 	46	  	  	 	3.60	  	  	 	3.60	  	  	 	5.14	  	  	 	7.57	  	  	 	8.70	  	 	 	46	  	  	 	2.93	  	  	 	2.93	  	  	 	4.16	  	  	 	6.12	  	  	 	7.03	  
	 	47	  	  	 	3.81	  	  	 	3.81	  	  	 	5.51	  	  	 	8.09	  	  	 	9.33	  	 	 	47	  	  	 	2.99	  	  	 	2.99	  	  	 	4.31	  	  	 	6.31	  	  	 	7.28	  
	 	48	  	  	 	4.02	  	  	 	4.02	  	  	 	5.88	  	  	 	8.60	  	  	 	9.97	  	 	 	48	  	  	 	3.05	  	  	 	3.05	  	  	 	4.45	  	  	 	6.51	  	  	 	7.53	  
	 	49	  	  	 	4.25	  	  	 	4.25	  	  	 	6.29	  	  	 	9.17	  	  	 	10.66	  	 	 	49	  	  	 	3.12	  	  	 	3.12	  	  	 	4.60	  	  	 	6.71	  	  	 	7.79	  
	 	50	  	  	 	4.48	  	  	 	4.48	  	  	 	6.68	  	  	 	9.72	  	  	 	11.35	  	 	 	50	  	  	 	3.21	  	  	 	3.21	  	  	 	4.78	  	  	 	6.96	  	  	 	8.11	  
	 	51	  	  	 	4.94	  	  	 	4.94	  	  	 	7.38	  	  	 	10.63	  	  	 	12.53	  	 	 	51	  	  	 	3.47	  	  	 	3.47	  	  	 	5.17	  	  	 	7.44	  	  	 	8.75	  
	 	52	  	  	 	5.44	  	  	 	5.44	  	  	 	8.15	  	  	 	11.63	  	  	 	13.84	  	 	 	52	  	  	 	3.74	  	  	 	3.74	  	  	 	5.58	  	  	 	7.96	  	  	 	9.46	  
	 	53	  	  	 	5.99	  	  	 	5.99	  	  	 	8.98	  	  	 	12.69	  	  	 	15.26	  	 	 	53	  	  	 	4.07	  	  	 	4.07	  	  	 	6.07	  	  	 	8.58	  	  	 	10.30	  
	 	54	  	  	 	6.71	  	  	 	6.71	  	  	 	10.07	  	  	 	14.09	  	  	 	17.11	  	 	 	54	  	  	 	4.50	  	  	 	4.50	  	  	 	6.73	  	  	 	9.41	  	  	 	11.42	  
	 	55	  	  	 	7.37	  	  	 	7.37	  	  	 	11.07	  	  	 	15.34	  	  	 	18.82	  	 	 	55	  	  	 	4.90	  	  	 	4.90	  	  	 	7.33	  	  	 	10.16	  	  	 	12.45	  
	 	56	  	  	 	8.11	  	  	 	8.11	  	  	 	12.19	  	  	 	16.73	  	  	 	20.72	  	 	 	56	  	  	 	5.33	  	  	 	5.33	  	  	 	7.98	  	  	 	10.96	  	  	 	13.56	  
	 	57	  	  	 	9.08	  	  	 	9.08	  	  	 	13.66	  	  	 	18.57	  	  	 	23.23	  	 	 	57	  	  	 	5.90	  	  	 	5.90	  	  	 	8.85	  	  	 	12.04	  	  	 	15.04	  
	 	58	  	  	 	10.01	  	  	 	10.01	  	  	 	15.06	  	  	 	20.28	  	  	 	25.61	  	 	 	58	  	  	 	6.43	  	  	 	6.43	  	  	 	9.65	  	  	 	13.00	  	  	 	16.40	  
	 	59	  	  	 	11.24	  	  	 	11.24	  	  	 	16.92	  	  	 	22.59	  	  	 	28.80	  	 	 	59	  	  	 	7.13	  	  	 	7.13	  	  	 	10.70	  	  	 	14.28	  	  	 	18.19	  
	 	60	  	  	 	12.42	  	  	 	12.42	  	  	 	18.71	  	  	 	24.75	  	  	 	31.84	  	 	 	60	  	  	 	7.74	  	  	 	7.74	  	  	 	11.62	  	  	 	15.38	  	  	 	19.76	  
	 	61	  	  	 	13.75	  	  	 	13.75	  	  	 	20.72	  	  	 	27.40	  	  	 	35.26	  	 	 	61	  	  	 	8.39	  	  	 	8.39	  	  	 	12.61	  	  	 	16.68	  	  	 	21.45	  
	 	62	  	  	 	15.47	  	  	 	15.47	  	  	 	23.31	  	  	 	30.83	  	  	 	39.68	  	 	 	62	  	  	 	9.24	  	  	 	9.24	  	  	 	13.90	  	  	 	18.39	  	  	 	23.64	  
	 	63	  	  	 	16.76	  	  	 	16.76	  	  	 	25.26	  	  	 	33.41	  	  	 	43.01	  	 	 	63	  	  	 	9.82	  	  	 	9.82	  	  	 	14.78	  	  	 	19.54	  	  	 	25.13	  
	 	64	  	  	 	18.45	  	  	 	18.45	  	  	 	27.83	  	  	 	36.81	  	  	 	47.39	  	 	 	64	  	  	 	10.62	  	  	 	10.62	  	  	 	15.98	  	  	 	21.14	  	  	 	27.19	  
	 	65	  	  	 	20.31	  	  	 	20.31	  	  	 	30.64	  	  	 	40.52	  	  	 	52.17	  	 	 	65	  	  	 	11.49	  	  	 	11.49	  	  	 	17.30	  	  	 	22.88	  	  	 	29.45	  
	 	66	  	  	 	21.96	  	  	 	21.96	  	  	 	33.14	  	  	 	43.82	  	  	 	56.43	  	 	 	66	  	  	 	12.23	  	  	 	12.23	  	  	 	18.41	  	  	 	24.35	  	  	 	31.34	  
	 	67	  	  	 	24.18	  	  	 	24.18	  	  	 	36.49	  	  	 	48.26	  	  	 	62.15	  	 	 	67	  	  	 	13.26	  	  	 	13.26	  	  	 	19.97	  	  	 	26.41	  	  	 	33.99	  
	 	68	  	  	 	26.15	  	  	 	26.15	  	  	 	39.47	  	  	 	52.20	  	  	 	67.23	  	 	 	68	  	  	 	14.13	  	  	 	14.13	  	  	 	21.29	  	  	 	28.16	  	  	 	36.24	  
	 	69	  	  	 	27.76	  	  	 	27.76	  	  	 	41.89	  	  	 	55.39	  	  	 	71.35	  	 	 	69	  	  	 	14.80	  	  	 	14.80	  	  	 	22.30	  	  	 	29.49	  	  	 	37.96	  
	 	70	  	  	 	29.96	  	  	 	29.96	  	  	 	45.22	  	  	 	59.80	  	  	 	77.02	  	 	 	70	  	  	 	15.82	  	  	 	15.82	  	  	 	23.85	  	  	 	31.55	  	  	 	40.61	  
	 	71	  	  	 	32.87	  	  	 	32.87	  	  	 	48.71	  	  	 	64.42	  	  	 	82.98	  	 	 	71	  	  	 	17.30	  	  	 	17.30	  	  	 	25.61	  	  	 	33.87	  	  	 	43.61	  
	 	72	  	  	 	35.96	  	  	 	35.96	  	  	 	52.32	  	  	 	69.19	  	  	 	89.14	  	 	 	72	  	  	 	19.01	  	  	 	19.01	  	  	 	27.63	  	  	 	36.54	  	  	 	47.04	  
	 	73	  	  	 	40.12	  	  	 	40.12	  	  	 	57.27	  	  	 	75.74	  	  	 	97.58	  	 	 	73	  	  	 	21.42	  	  	 	21.42	  	  	 	30.56	  	  	 	40.41	  	  	 	52.03	  
	 	74	  	  	 	44.77	  	  	 	44.77	  	  	 	62.69	  	  	 	82.90	  	  	 	106.81	  	 	 	74	  	  	 	24.27	  	  	 	24.27	  	  	 	33.97	  	  	 	44.92	  	  	 	57.85	  
	 	75	  	  	 	50.02	  	  	 	50.02	  	  	 	68.69	  	  	 	90.83	  	  	 	117.03	  	 	 	75	  	  	 	27.64	  	  	 	27.64	  	  	 	37.93	  	  	 	50.16	  	  	 	64.60	  
	 	76	  	  	 	55.95	  	  	 	55.95	  	  	 	75.30	  	  	 	99.57	  	  	 	128.30	  	 	 	76	  	  	 	31.60	  	  	 	31.60	  	  	 	42.51	  	  	 	56.21	  	  	 	72.40	  
	 	77	  	  	 	62.66	  	  	 	62.66	  	  	 	82.61	  	  	 	109.25	  	  	 	140.77	  	 	 	77	  	  	 	36.25	  	  	 	36.25	  	  	 	47.77	  	  	 	63.17	  	  	 	81.38	  
	 	78	  	  	 	70.18	  	  	 	70.18	  	  	 	90.62	  	  	 	119.83	  	  	 	154.41	  	 	 	78	  	  	 	41.68	  	  	 	41.68	  	  	 	53.79	  	  	 	71.14	  	  	 	91.64	  
	 	79	  	  	 	78.59	  	  	 	78.59	  	  	 	99.32	  	  	 	131.34	  	  	 	169.24	  	 	 	79	  	  	 	47.94	  	  	 	47.94	  	  	 	60.57	  	  	 	80.10	  	  	 	103.20	  
	 	80	  	  	 	87.93	  	  	 	87.93	  	  	 	108.73	  	  	 	143.77	  	  	 	185.28	  	 	 	80	  	  	 	55.10	  	  	 	55.10	  	  	 	68.11	  	  	 	90.06	  	  	 	116.04	  
	 	81	  	  	 	97.16	  	  	 	97.16	  	  	 	118.82	  	  	 	155.70	  	  	 	202.48	  	 	 	81	  	  	 	62.49	  	  	 	62.49	  	  	 	76.40	  	  	 	100.12	  	  	 	130.17	  
	 	82	  	  	 	107.08	  	  	 	107.08	  	  	 	129.49	  	  	 	168.17	  	  	 	220.67	  	 	 	82	  	  	 	70.68	  	  	 	70.68	  	  	 	85.45	  	  	 	110.97	  	  	 	145.60	  
	 	83	  	  	 	117.77	  	  	 	117.77	  	  	 	140.80	  	  	 	181.25	  	  	 	239.96	  	 	 	83	  	  	 	79.69	  	  	 	79.69	  	  	 	95.25	  	  	 	122.61	  	  	 	162.31	  
	 	84	  	  	 	129.67	  	  	 	129.67	  	  	 	153.26	  	  	 	195.55	  	  	 	261.19	  	 	 	84	  	  	 	89.54	  	  	 	89.54	  	  	 	105.81	  	  	 	135.01	  	  	 	180.31	  
	 	85	  	  	 	141.50	  	  	 	141.50	  	  	 	166.56	  	  	 	210.78	  	  	 	283.00	  	 	 	85	  	  	 	97.32	  	  	 	97.32	  	  	 	115.02	  	  	 	145.99	  	  	 	194.65	  
	 	86	  	  	 	153.65	  	  	 	153.65	  	  	 	180.86	  	  	 	228.88	  	  	 	307.31	  	 	 	86	  	  	 	105.77	  	  	 	105.77	  	  	 	125.00	  	  	 	158.66	  	  	 	211.55	  
	 	87	  	  	 	166.74	  	  	 	166.74	  	  	 	196.26	  	  	 	248.37	  	  	 	333.48	  	 	 	87	  	  	 	116.67	  	  	 	116.67	  	  	 	137.89	  	  	 	175.01	  	  	 	233.35	  
	 	88	  	  	 	179.44	  	  	 	179.44	  	  	 	211.21	  	  	 	267.29	  	  	 	358.88	  	 	 	88	  	  	 	127.30	  	  	 	127.30	  	  	 	150.45	  	  	 	190.96	  	  	 	254.61	  
	 	89	  	  	 	189.87	  	  	 	189.87	  	  	 	223.50	  	  	 	282.83	  	  	 	379.75	  	 	 	89	  	  	 	138.85	  	  	 	138.85	  	  	 	164.10	  	  	 	208.28	  	  	 	277.71	  
	 	90	  	  	 	197.97	  	  	 	197.97	  	  	 	233.02	  	  	 	294.89	  	  	 	395.94	  	 	 	90	  	  	 	156.24	  	  	 	156.24	  	  	 	184.65	  	  	 	234.36	  	  	 	312.48	  
	 	91	  	  	 	205.05	  	  	 	205.05	  	  	 	241.36	  	  	 	305.44	  	  	 	410.11	  	 	 	91	  	  	 	175.57	  	  	 	175.57	  	  	 	207.50	  	  	 	263.36	  	  	 	351.15	  
	 	92	  	  	 	214.23	  	  	 	214.23	  	  	 	252.17	  	  	 	319.11	  	  	 	428.46	  	 	 	92	  	  	 	190.66	  	  	 	190.66	  	  	 	225.33	  	  	 	286.00	  	  	 	381.33	  
	 	93	  	  	 	228.70	  	  	 	228.70	  	  	 	269.19	  	  	 	340.66	  	  	 	457.40	  	 	 	93	  	  	 	201.33	  	  	 	201.33	  	  	 	237.94	  	  	 	302.00	  	  	 	402.67	  
	 	94	  	  	 	246.73	  	  	 	246.73	  	  	 	290.43	  	  	 	367.53	  	  	 	493.47	  	 	 	94	  	  	 	207.68	  	  	 	207.68	  	  	 	245.44	  	  	 	311.52	  	  	 	415.36	  

 **
ADD $70.00 POLICY FEE 

 S-2 
 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	  
	 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 

 S-2A 
  

											
	Level 20 - MALE	  	 	 	 	KCL Allowances	 
	 	  	 	  	 	 	 	RGA	 
	 PENT
	  		  				 			
		  	1st Yr	  	 	[****]	  	 	 	[****]	  
		  	Renewal	  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
	 PNT
	  		  				 			
		  	1st Yr	  	 	[****]	  	 	 	[****]	  
		  	Renewal	  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
	 NT
	  		  				 			
		  	1st Yr	  	 	[****]	  	 	 	[****]	  
		  	Renewal	  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
	 PT
	  		  				 			
		  	1st Yr	  	 	[****]	  	 	 	[****]	  
		  	Renewal	  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
	 T
	  		  				 			
		  	1st Yr	  	 	[****]	  	 	 	[****]	  
		  	Renewal	  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  
		  		  	 	[****]	  	 	 	[****]	  

 S-2A 
  

											
	Level 20 - FEMALE	 	  	 	 
	 	  	 	  	 	 	  	RGA	 
	 PENT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
	 PNT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
	 NT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
	 PT
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
	 T
	  		  				  			
		  	1st Yr	  	 	[****]	  	  	 	[****]	  
		  	Renewal	  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  
		  		  	 	[****]	  	  	 	[****]	  

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
  

 RATE SCHEDULE S-3 

  
 24 

 S-3 
  

																							
	  
	 Waiver of Premium
	   

	  
	 Annual Rider Rates per 1000
	   

						
	 	 	  	 	 	  	 	 	 	 	 	  	 	 	  	 YRT Rates
 After Initial
 Term Period
	 
	Age	 	  	Level 10	 	  	Age	 	 	Level 20	 	  	Age	 	  	 	 
						
	 	20	  	  	 	0.10	  	  	 	20	  	 	 	0.11	  	  	 	30	  	  	 	0.11	  
	 	21	  	  	 	0.10	  	  	 	21	  	 	 	0.11	  	  	 	31	  	  	 	0.11	  
	 	22	  	  	 	0.10	  	  	 	22	  	 	 	0.11	  	  	 	32	  	  	 	0.11	  
	 	23	  	  	 	0.10	  	  	 	23	  	 	 	0.11	  	  	 	33	  	  	 	0.12	  
	 	24	  	  	 	0.10	  	  	 	24	  	 	 	0.11	  	  	 	34	  	  	 	0.12	  
	 	25	  	  	 	0.10	  	  	 	25	  	 	 	0.11	  	  	 	35	  	  	 	0.13	  
	 	26	  	  	 	0.10	  	  	 	26	  	 	 	0.11	  	  	 	36	  	  	 	0.14	  
	 	27	  	  	 	0.10	  	  	 	27	  	 	 	0.11	  	  	 	37	  	  	 	0.15	  
	 	28	  	  	 	0.10	  	  	 	28	  	 	 	0.11	  	  	 	38	  	  	 	0.16	  
	 	29	  	  	 	0.10	  	  	 	29	  	 	 	0.11	  	  	 	39	  	  	 	0.18	  
	 	30	  	  	 	0.10	  	  	 	30	  	 	 	0.11	  	  	 	40	  	  	 	0.20	  
	 	31	  	  	 	0.10	  	  	 	31	  	 	 	0.11	  	  	 	41	  	  	 	0.22	  
	 	32	  	  	 	0.10	  	  	 	32	  	 	 	0.11	  	  	 	42	  	  	 	0.24	  
	 	33	  	  	 	0.11	  	  	 	33	  	 	 	0.12	  	  	 	43	  	  	 	0.27	  
	 	34	  	  	 	0.11	  	  	 	34	  	 	 	0.12	  	  	 	44	  	  	 	0.30	  
	 	35	  	  	 	0.12	  	  	 	35	  	 	 	0.13	  	  	 	45	  	  	 	0.34	  
	 	36	  	  	 	0.12	  	  	 	36	  	 	 	0.14	  	  	 	46	  	  	 	0.42	  
	 	37	  	  	 	0.13	  	  	 	37	  	 	 	0.15	  	  	 	47	  	  	 	0.48	  
	 	38	  	  	 	0.14	  	  	 	38	  	 	 	0.16	  	  	 	48	  	  	 	0.55	  
	 	39	  	  	 	0.15	  	  	 	39	  	 	 	0.18	  	  	 	49	  	  	 	0.67	  
	 	40	  	  	 	0.17	  	  	 	40	* 	 	 	0.20	  	  	 	50	  	  	 	0.75	  
	 	41	  	  	 	0.19	  	  	 	41	* 	 	 	0.22	  	  	 	51	  	  	 	1.04	  
	 	42	  	  	 	0.21	  	  	 	42	* 	 	 	0.24	  	  	 	52	  	  	 	1.32	  
	 	43	  	  	 	0.24	  	  	 	43	* 	 	 	0.27	  	  	 	53	  	  	 	1.63	  
	 	44	  	  	 	0.27	  	  	 	44	* 	 	 	0.30	  	  	 	54	  	  	 	2.04	  
	 	45	  	  	 	0.29	  	  	 	45	* 	 	 	0.34	  	  	 	55	  	  	 	2.46	  
	 	46	  	  	 	0.31	  	  	 	46	* 	 	 	0.42	  	  	 	56+	  	  	 	3.00	  
	 	47	  	  	 	0.35	  	  	 	47	* 	 	 	0.48	  	  	 	57+	  	  	 	3.30	  
	 	48	  	  	 	0.42	  	  	 	48	* 	 	 	0.55	  	  	 	58+	  	  	 	3.82	  
	 	49	  	  	 	0.51	  	  	 	49	* 	 	 	0.67	  	  	 	59+	  	  	 	4.91	  
	 	50*	  	  	 	0.64	  	  	 	50	* 	 	 	0.75	  	  				  			
	 	51*	  	  	 	0.81	  	  	 	51	* 	 	 	1.04	  	  				  			
	 	52*	  	  	 	1.01	  	  	 	52	* 	 	 	1.32	  	  				  			
	 	53*	  	  	 	1.23	  	  	 	53	* 	 	 	1.63	  	  				  			
	 	54*	  	  	 	1.53	  	  	 	54	* 	 	 	2.04	  	  				  			
	 	55*	  	  	 	1.93	  	  	 	55	* 	 	 	2.46	  	  				  			

  

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

	+	Rates for Renewal Only 

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
 RATE SCHEDULE S-4 

  
 25 

  

																																																																																											
	 
  

 
  
	98
 Male Smoker/Age
Nearest Birthday
 Policy Year

 
	  
   

  
  

	 AGE
	 	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	16	 	  	17	 	  	18	 	  	19	 	  	20	 	  	Attained Age	 
	 	0	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	20	  
	 	1	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	21	  
	 	2	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	22	  
	 	3	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	23	  
	 	4	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	24	  
	 	5	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	25	  
	 	6	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	26	  
	 	7	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	27	  
	 	8	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	28	  
	 	9	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	29	  
	 	10	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	30	  
	 	11	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	31	  
	 	12	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	32	  
	 	13	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	33	  
	 	14	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	34	  
	 	15	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	35	  
	 	16	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	36	  
	 	17	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	37	  
	 	18	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	38	  
	 	19	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	39	  
	 	20	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	40	  
	 	21	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	41	  
	 	22	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	42	  
	 	23	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	43	  
	 	24	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	44	  
	 	25	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	45	  
	 	26	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	46	  
	 	27	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	47	  
	 	28	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	48	  
	 	29	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	49	  
	 	30	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	50	  
	 	31	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	51	  
	 	32	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	52	  
	 	33	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	53	  
	 	34	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	54	  
	 	35	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	55	  
	 	36	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	56	  
	 	37	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	57	  
	 	38	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	58	  
	 	39	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	59	  
	 	40	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	60	  
	 	41	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	61	  
	 	42	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	62	  
	 	43	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	63	  
	 	44	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	64	  

 98 
 Male Smoker/Age Nearest Birthday 
 Policy Year 

 

																																																																																									
	 AGE
	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	16	 	  	17	 	  	18	 	  	19	 	  	20	 	  	Attained Age	 
	45	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	65	  
	46	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	66	  
	47	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	67	  
	48	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	68	  
	49	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	69	  
	50	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	70	  
	51	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	71	  
	52	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	72	  
	53	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	73	  
	54	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	74	  
	55	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	75	  
	56	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	76	  
	57	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	77	  
	58	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	78	  
	59	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	79	  
	60	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	80	  
	61	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	81	  
	62	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	82	  
	63	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	83	  
	64	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	84	  
	65	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	85	  
	66	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	86	  
	67	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	87	  
	68	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	88	  
	69	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	89	  
	70	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	90	  
	71	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	91	  
	72	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	92	  
	73	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	93	  
	74	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	94	  
	75	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	95	  
	76	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	96	  
	77	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	97	  
	78	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	98	  
	79	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	99	  
	80	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	81	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	82	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	83	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	84	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	85	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			

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

  

																																																																																											
	 	98	  
	 	Male Nonsmoker/Age Nearest Birthday	  
	   
	Policy Year  
	    

	 AGE
	 	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	16	 	  	17	 	  	18	 	  	19	 	  	20	 	  	Attained Age	 
	 	0	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	20	  
	 	1	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	21	  
	 	2	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	22	  
	 	3	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	23	  
	 	4	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	24	  
	 	5	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	25	  
	 	6	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	26	  
	 	7	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	27	  
	 	8	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	28	  
	 	9	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	29	  
	 	10	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	30	  
	 	11	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	31	  
	 	12	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	32	  
	 	13	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	33	  
	 	14	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	34	  
	 	15	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	35	  
	 	16	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	36	  
	 	17	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	37	  
	 	18	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	38	  
	 	19	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	39	  
	 	20	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	40	  
	 	21	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	41	  
	 	22	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	42	  
	 	23	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	43	  
	 	24	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	44	  
	 	25	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	45	  
	 	26	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	46	  
	 	27	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	47	  
	 	28	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	48	  
	 	29	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	49	  
	 	30	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	50	  
	 	31	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	51	  
	 	32	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	52	  
	 	33	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	53	  
	 	34	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	54	  
	 	35	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	55	  
	 	36	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	56	  
	 	37	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	57	  
	 	38	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	58	  
	 	39	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	59	  
	 	40	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	60	  
	 	41	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	61	  
	 	42	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	62	  
	 	43	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	63	  
	 	44	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	64	  

  

																																																																																											
	 	98	  
	 	Male Nonsmoker/Age Nearest Birthday	  
	   
	Policy Year  
	    

	 AGE
	 	  	1	 	  	2	 	  	3	 	  	4	 	  	5	 	  	6	 	  	7	 	  	8	 	  	9	 	  	10	 	  	11	 	  	12	 	  	13	 	  	14	 	  	15	 	  	16	 	  	17	 	  	18	 	  	19	 	  	20	 	  	Attained Age	 
	 	45	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	65	  
	 	46	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	66	  
	 	47	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	67	  
	 	48	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	68	  
	 	49	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	69	  
	 	50	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	70	  
	 	51	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	71	  
	 	52	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	72	  
	 	53	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	73	  
	 	54	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	74	  
	 	55	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	75	  
	 	56	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	76	  
	 	57	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	77	  
	 	58	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	78	  
	 	59	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	79	  
	 	60	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	80	  
	 	61	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	81	  
	 	62	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	82	  
	 	63	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	83	  
	 	64	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	84	  
	 	65	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	85	  
	 	66	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	86	  
	 	67	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	87	  
	 	68	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	88	  
	 	69	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	89	  
	 	70	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	90	  
	 	71	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	91	  
	 	72	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	92	  
	 	73	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	93	  
	 	74	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	94	  
	 	75	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	95	  
	 	76	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	96	  
	 	77	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	97	  
	 	78	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	98	  
	 	79	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	99	  
	 	80	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	 	81	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	 	82	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	 	83	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	 	84	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			
	 	85	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  	 	[****]	  	  			

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

 SCHEDULE V - LIMITS 

REINSURER’S SHARE: 
 10% 
 AGE LIMITS: 

 

					
	Issue Ages	  			
		
	 10 Year Level Premium Term Plan
	  	 	20-75	  
	 20 Year Level Premium Term Plan
	  	 	20-65	  

 MINIMUM
REINSURANCE AMOUNT: 
 $5,000 
 BINDING LIMITS: 
 Life 

Ten (10) times the Ceding Company’s Retention 
 Waiver of Premium 
 Same as Life 

JUMBO LIMIT: 
  

					
	 Issue Age
	  	 	Thru Table 16	  
		
	 20-75
	  	$	10,000,000	  

  
 26 

 SCHEDULE VI - SAMPLE STATEMENT
SPECIFICATIONS 
 SAMPLE STATEMENT SPECIFICATIONS

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

 

	 	•	 	 Name of the Insured(s) 

  

	 	•	 	 Date of Birth of the Insured(s) 

  

	 	•	 	 The Issue Age of each Insured(s) 

  

	 	•	 	 The Sex of the Insured(s) 

  

	 	•	 	 The Insured(s) Country of Residence 

  

	 	•	 	 Underwriting Classification (i.e. Preferred, Standard, etc.) 

 

	 	•	 	 Smoking Class (i.e. Smoker, Non Smoker, etc.) 

  

	 	•	 	 Indication if Business is Facultative or Automatic 

  

	 	•	 	 Indication if Business is Risk Premium or Coinsurance 

 

	 	•	 	 Policy Number(s) 

  

	 	•	 	 Plan Code(s) / Kind Code(s): Cession Series 

  

	 	•	 	 Original Face Amount of the Policy(s) 

  

	 	•	 	 Amount(s) Ceded to the Reinsurer 

  

	 	•	 	 Amount of Premium being Paid; separated for Supplementary Benefits. 

 

	 	•	 	 The Amount of any Reinsurance Premium Allowances 

  

	 	•	 	 Any Extra Premiums concerned. Example: $5 / 1000 / 5 YRS 

 

	 	•	 	 Effective Date and Duration of any Policy(s) Change, Reissue, or Termination 

  
 27 

 SCHEDULE VII - SAMPLE POLICY
EXHIBIT 
 SAMPLE POLICY EXHIBIT 

 

									
	 POLICY SUMMARY
 CLASSIFICATION
	  	NUMBER OF
POLICIES	 	  	REINSURANCE
AMOUNT	 
			
	Inforce as of Last Report	  	 	878	  	  	$	410,220,973	  
			
	New Issues	  	 	2	  	  	$	516,666	  
	Reinstatements	  	 	3	  	  	$	483,334	  
	Increases	  				  	$	500,000	  
	Decreases - Still Inforce	  				  	$	133,332	  
	Rollover - In	  	 	0	  	  	$	0	  
			
	Deduct By :	  				  			
	 Death
	  	 	0	  	  	$	0	  
	 Surrender
	  	 	1	  	  	$	250,000	  
	 Lapse
	  	 	4	  	  	$	1,000,001	  
	 Conversion – Out
	  	 	0	  	  	$	0	  
	 Decreases – Termination
	  	 	3	  	  	$	299,999	  
	 Inactive – Pending
	  	 	0	  	  	$	0	  
	 Not Taken
	  	 	0	  	  	$	0	  
			
	Inforce as of Current Report	  	 	875	  	  	$	410,037,641	  

  
 28 

 SCHEDULE VIII - DEFINITIONS 

Assume - To accept or take over a risk, the converse of cede 
 Automatic Reinsurance - A reinsurance agreement under which the Reinsurer is obligated to accept or assume risks that meet certain specific criteria based on the Ceding Company’s underwriting.

 Binding Limit - The face amount reinsured over the Ceding Company’s retention, which can be ceded automatically if all automatic
conditions are met. 
 Cash Value - The amount of money that the policy owner will receive as a refund if the policy owner cancels the
coverage and returns the policy to the company. 
 Cede - To transfer an insurance risk from the company originally issuing the policy to
another insurance company known as the Reinsurer. 
 Ceding Company - A ceding insurer is an insurer that underwrites and issues an
original, principal policy to an insured and contractually transfers (cedes) a portion of the risk to the Reinsurer. A ceding Reinsurer is a Reinsurer which transfers (cedes) a portion of the underlying reinsurance to a retrocessionaire. 

Coinsurance - Indemnity life reinsurance under which the reserves as well as the risk are transferred to the Reinsurer; the Ceding Company retains
its liability to the contractual relationship with the insured. Under the Coinsurance method, the Ceding Company will pay the Reinsurer a proportionate part of the premiums it receives. In return, the Reinsurer agrees to pay the Ceding Company a
proportionate part of the claim and participate in all other policy benefits explicitly stated in this Agreement. 
 Conditional
Receipt - A provision included in some life insurance policies providing coverage from the date of the application to the date at which the policy is either issued or declined. 
 Experience Refund or Profit Commission - A provision found in some reinsurance agreements which provides for profit sharing. Parties agree to a formula for calculating profit, an allowance for the
Reinsurer’s expenses, and the Ceding Company’s share of such profit after expenses. 
 Extra Contractual Obligations
(ECO) - A generic term that, when used in a reinsurance agreement, refers to damages awarded by a court against an insurer which are outside the provisions of the insurance policy, due to the insurer’s bad faith, fraud or gross
negligence in the handling of a claim. 
 Facultative - Reinsurance under which the Ceding Company has the option (faculty) of submitting
and the Reinsurer has the option of accepting or declining individual risks. This Agreement merely reflects how individual facultative reinsurance will be handled. 
 Flat Extra Premium - A method for rating substandard risks used when the extra risk is considered to be constant. The underwriter assesses a specific extra premium for each $1,000 of
insurance. Flat extra ratings usually apply to applicants in hazardous occupations or avocations, aviation, or with certain physical impairments of a temporary nature. 
 Indexing - The adjustment of the Ceding Company’s retention and the reinsurance limit by a measure of inflation such as the Consumer Price Index. 

  
 29 

 SCHEDULE VIII - DEFINITIONS (CONTINUED)

 Jumbo Limit - The limit placed on an amount of coverage that may be inforce, or applied for in all companies, on an individual
life for automatic reinsurance purposes. If such insurance exceeds the limit, the Ceding Company must submit the risk to the Reinsurer for facultative review. 
 Original Policy(s) - Insurance contracts between the Original Company and the Insured(s). 
 Policy Reserve - A liability account that identifies the amount of assets that, together with the future premiums to be received from inforce policies, is expected to be sufficient to pay future
claims on those inforce policies. Also called a legal reserve or a statutory reserve. 
 Pool - A method of allocating reinsurance among
several Reinsurers. Using this method, each Reinsurer receives a specified percentage of each risk ceded into the pool. A reinsurance pool is a multi-Reinsurer agreement under which each Reinsurer in the group or pool assumes a specified portion of
each risk ceded to the pool. 
 Premium - (Written/Unearned/Earned) - Written premium is premium registered on the books of an insurer or
Reinsurer at the time a policy is issued and paid. Premium for a future exposure period is said to be unearned premium. For an individual policy, written premium minus unearned premium equals earned premium. Earned premium is income for the
accounting period while unearned premium will be income in a future accounting period. 
 Punitive Damages - A term that, when
used in reinsurance agreements, refers to damages awarded by a court against an insured or against an insurer in addition to compensatory damages. Punitive damages are intended to punish the insured or the insurer for willful and careless misconduct
and to serve as a deterrent. When the award is against an insurer, it is usually related to the conduct of the insurer in the handling of a claim. 
 Quota Share - A form of reinsurance in which premiums and losses are shared proportionately between the Ceding 
 Company and the Reinsurer, in which the same percentage applies to all policies reinsured. 

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

Recapture - The process by which the Ceding Company recovers the liabilities transferred to the Reinsurer. 

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

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

Self-Administration - A reinsurance arrangement where the Ceding Company provides the Reinsurer with periodic reports for reinsurance ceded giving
premium, inforce, reserve, and any other information required by the Reinsurer for its financial reports. Self-Administration is also known as Bulk or Bordereaux. 
 Standard Guidelines - The underwriting guidelines intended to be applied to all applications for insurances of the type(s) reinsured under this agreement. 

  
 30 

 SCHEDULE VIII - DEFINITIONS (CONTINUED)

 Substandard Risks - Those insureds that, under the terms of the Ceding Company’s standard guidelines, do not meet the
criteria for issuance at standard premium rates. 
 Substandard Table Extra - Substandard table extra ratings usually apply to
physically impaired lives. The rates will be increased by a factor as shown in Schedule I for each table of additional mortality. 

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

  
 31 

 8419-00-01 
 AMENDMENT 
 to the 

AUTOMATIC AND FACULTATIVE COINSURANCE AGREEMENT Effective May 1, 2002 

between 

KANSAS CITY LIFE INSURANCE COMPANY, Kansas City, Missouri 
 (hereinafter called the “Ceding Company”) 
 and 

RGA REINSURANCE COMPANY, St. Louis, Missouri 
 (hereinafter called the “Reinsurer”) 
 This Amendment is Effective
August 1, 2003 
  

	I.	ALLOWANCES 

  

	    	Effective for all new business issued on and after the effective date of the Amendment, the First Year Allowance for all Plans is hereby revised to 100%.

  

	II.	All provisions of the Automatic and Facultative Coinsurance Agreement not specifically modified herein remain unchanged. 

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

 

							
	KANSAS CITY LIFE INSURANCE COMPANY
				
	By:	  	 /s/ David L. Metzler
	  	By:	  	 /s/ Donald C. Remfert

				
	Title:	  	AVP & Associate Actuary	  	Title:	  	AVP & Associate Actuary
				
	Date:	  	11/2/04	  	Date:	  	11/2/04
			
	RGA REINSURANCE COMPANY	  		  	
				
	By:	  	 /s/ Larry J. Shorey
	  		  	
				
	Title:	  	Vice President	  		  	
				
	Date:	  	10/28/04	  		  	

  
 1 

 8419-00-02 
 AMENDMENT 
 to the 

AUTOMATIC AND FACULTATIVE COINSURANCE AGREEMENT Effective May 1, 2002 

between 

KANSAS CITY LIFE INSURANCE COMPANY, Kansas City, Missouri 
 (hereinafter called the “Ceding Company”) 
 and 

RGA REINSURANCE COMPANY, St. Louis, Missouri 
 (hereinafter called the “Reinsurer”) 
  

	I.	REVISED PARTICIPATION PERCENTAGE 

  

	    	Effective September 30, 2004 Schedule V, Limits is hereby revised to show the Reinsurer’s participation percentage is changed from 10% to 12.5% of each risk
in the Pool. 

  

	    	Effective January 19, 2005 Schedule V, Limits is hereby revised to show the Reinsurer’s participation percentage is changed from 12.5% to 10% of each risk in
the Pool. 

  

	II.	All provisions of the Automatic and Facultative Coinsurance Agreement not specifically modified herein remain unchanged. 

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

 

							
	KANSAS CITY LIFE INSURANCE COMPANY
				
	By:	  	 /s/ David L. Metzler
	  	By:	  	 /s/ Donald C. Remfert

				
	Title:	  	AVP & Associate Actuary	  	Title:	  	AVP & Associate Actuary
				
	Date:	  	6/19/06	  	Date:	  	6/19/06
			
	RGA REINSURANCE COMPANY	  		  	
				
	By:	  	 /s/ Larry J. Shorey
	  		  	
				
	Title:	  	Vice President	  		  	
				
	Date:	  	11/03/05	  		  	

  
 1 

 8419-00-03 
 AMENDMENT 
 (Replaces amendment 8419-00-01) 

to the 

AUTOMATIC AND FACULTATIVE COINSURANCE AGREEMENT Effective May 1, 2002 

between 

KANSAS CITY LIFE INSURANCE COMPANY, Kansas City, Missouri 
 (hereinafter called the “Ceding Company”) 
 and 

RGA REINSURANCE COMPANY, St. Louis, Missouri 
 (hereinafter called the “Reinsurer”) 
 This Amendment is Effective
August 1, 2003 
  

	I.	ALLOWANCES 

  

	    	Effective for all new business issued on and after the effective date of this Amendment, the First Year Allowance for all Plans is hereby revised to 100%. Renewal
Allowances are increased by 3%. 

  

	II.	All provisions of the Automatic and Facultative Coinsurance Agreement not specifically modified herein remain unchanged. 

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

 

							
	KANSAS CITY LIFE INSURANCE COMPANY
				
	By:	  	 /s/ David L. Metzler
	  	By:	  	 /s/ Robert J. Milroy

				
	Title:	  	AVP & Associate Actuary	  	Title:	  	AVP Underwriting & N Bus
				
	Date:	  	6/19/06	  	Date:	  	6/19/06
			
	RGA REINSURANCE COMPANY	  		  	
				
	By:	  	 /s/ Michael Breiner
	  		  	
				
	Title:	  	Vice President	  		  	
				
	Date:	  	04/19/06	  		  	

  
 1

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00182-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00182-of-00352.parquet"}]]