Document:

exv10w5

Exhibit
10.5

COINSURANCE AGREEMENT

Effective
as of January 1, 2000,

between

SAFECO LIFE INSURANCE COMPANY

of

Redmond, Washington,

referred to in this Agreement as “SAFECO,” and

THE LINCOLN NATIONAL LIFE INSURANCE COMPANY

of

Fort Wayne, Indiana,

referred
to in this Agreement as “Lincoln.”

	 	 	 	 	 
	 

	 	Inspected By
	 	EIG 
	 
	 	 	 	 
	 

	 	Date
	 	8/24/2001 
	 
	 	 	 	 
	 

	 	Doc
	 	000026sl.agm 
	 
	 	 	 	 
	RECONCILED

	 	CCN/Agmt. No.
	 	2098 / 12 

 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corp., this information has been filed separately with the Securities and Exchange Commission.

 

 

TABLE OF CONTENTS

	 	 	 	 	 
	Reinsurance Coverage
	 	 	1	 
	Automatic Reinsurance
	 	 	1	 
	Facultative Reinsurance
	 	 	2	 
	Continuations
	 	 	3	 
	Terms of Reinsurance
	 	 	4	 
	Payments by SAFECO
	 	 	5	 
	Payments by Lincoln
	 	 	5	 
	Reinsurance Administration
	 	 	6	 
	Reserve Information
	 	 	6	 
	Settlement of Claims
	 	 	6	 
	Reinstatements and Restorations
	 	 	8	 
	Reductions in Insurance
	 	 	8	 
	Increases in Policy Face Amounts
	 	 	8	 
	Changes in Retention
	 	 	9	 
	Assignment of Reinsurance
	 	 	10	 
	Material Changes
	 	 	11	 
	Errors
	 	 	11	 
	Audits of Records and Procedures
	 	 	11	 
	Arbitration
	 	 	11	 
	Insolvency of SAFECO
	 	 	12	 
	Offset
	 	 	13	 
	Parties-to the Agreement
	 	 	13	 
	Commencement and Termination
	 	 	13	 
	Entire Agreement
	 	 	13	 
	Deferred Acquisition Cost Tax Election
	 	 	14	 
	Definitions
	 	 	14	 
	Execution
	 	 	16	 
	 
	 	 	 	 
	LIFE BENEFITS SCHEDULE
	 	 	18	 
	ADMINISTRATION SCHEDULE
	 	 	20	 
	PREMIUM AND ALLOWANCE SCHEDULE
	 	 	23	 
	ARBITRATION SCHEDULE
	 	 	26	 
	WAIVER OF PREMIUM BENEFIT ADDENDUM
	 	 	28	 
	ACCIDENTAL DEATH BENEFIT ADDENDUM
	 	 	3l	 
	ACCELERATED BENEFITS RIDER ADDENDUM
	 	 	34	 
	GUARANTEED PURCHASE OPTION ADDENDUM
	 	 	36	 

 

 

Reinsurance Coverage

	A.	 	SAFECO agrees to cede, and Lincoln agrees to accept, reinsurance of the Policies
specified in the Life Benefits schedule. (The term “Policies” and certain other terms used in this
Agreement are defined in the “Definitions” article.)
	 
	B.	 	A Policy’s death benefit and associated lapse and investment risks are reinsured.
Supplemental benefits are reinsured if and as specified in applicable Addenda.
	 
	C.	 	SAFECO agrees to either

	 	(1)	 	cede reinsurance of a Policy to Lincoln as
Automatic Reinsurance;
	 
	 	2)	 	submit the Policy to Lincoln for consideration as
Facultative Reinsurance; or
	 
	 	(3)	 	cede reinsurance of a Policy as a Continuation.

Automatic Reinsurance

	A.	 	SAFECO agrees to cede the Reinsurance Amount of a Policy as Automatic Reinsurance if the
following conditions are met:

	 	(1)	 	It retains its Retention on the insured life when the Policy is issued;
	 
	 	(2)	 	It underwrites and issues the Policy in accordance with its underwriting
rules and practices previously disclosed to Lincoln;
	 
	 	(3)	 	The sum of (a) and (b) does not exceed the sum of its Retention and the Automatic
Limit, where

	 	(a)	 	equals the amount of individual life insurance issued by SAFECO then in force on the
insured life, or in the case of individual life insurance with increasing death
benefits, the Ultimate Amount of such Policies; and
	 
	 	(b)	 	equals the amount of life insurance currently being applied for from SAFECO, or in
the case of individual life insurance with increasing death benefits, the
Ultimate Amount;

	 	(4)	 	The sum of (a) and (b) does not exceed the Participation Limit, where

	 	(a)	 	equals the amount of individual life insurance then in force on the insured life in
all companies, or in the case of individual life insurance with increasing death

Page 1

 

	 	 	 	benefits, the Ultimate Amount of such Policies; and
	 
	 	(b)	 	equals the amount currently applied for on the insured life from
all companies, or in the case of individual life insurance with
increasing death benefits, the Ultimate Amounts;

	 	(5)	 	It has not submitted a facultative application to Lincoln or any other insurance
or reinsurance company for reinsurance of the current application; and
	 
	 	(6)	 	The Policy is not a Continuation.

	B.	 	Policies issued pursuant to any special underwriting program adopted by SAFECO may be ceded as
Automatic Reinsurance only with Lincoln’s consent to reinsure such Policies.
	 
	C.	 	A Policy shall not be ceded as Automatic Reinsurance if the Reinsurance Amount of the Policy is
less than the minimum cession amount specified in the Administration Schedule.

Facultative Reinsurance

	A.	 	SAFECO may submit Policies not satisfying the conditions for Automatic Reinsurance, and
Policies which it does not wish to cede as Automatic Reinsurance, for consideration by Lincoln
as Facultative Reinsurance. SAFECO may also submit for consideration as Facultative
Reinsurance any individual life insurance issued on a Policy form that is not specified in the
Life Benefits Schedule provided reinsurance terms and conditions are established and agreed
upon by means of the Facultative Reinsurance application process.
	 
	B.	 	An application for Facultative Reinsurance shall be made in the manner set forth in the
Administration Schedule. Copies of all information that SAFECO has pertaining to the
insurability of the proposed insured, including written summaries of any such information that
cannot be copied, shall accompany the application.
	 
	C.	 	Upon receipt of an application, Lincoln agrees to promptly examine the underwriting
information and communicate

	 	(1)	 	an offer to reinsure the Policy as applied for;
	 
	 	(2)	 	an offer to reinsure the Policy other than as applied for;

Page 2

 

	 	(3)	 	an offer to reinsure the Policy subject to the satisfaction of
additional underwriting requirements;
	 
	 	(4)	 	a request for additional underwriting information; or
	 
	 	(5)	 	its unwillingness to make an offer to reinsure the Policy.

	D.	 	To accept an offer to reinsure made by Lincoln, SAFECO agrees to

	 	(1)	 	satisfy any conditions stated in the offer to reinsure; and
	 
	 	(2)	 	follow the procedure for placing reinsurance into effect as specified in the
Administration Schedule.

	E.	 	SAFECO agrees to immediately inform Lincoln of any additional information pertaining to the
insurability of a proposed insured that is brought to SAFECO’S attention before the
completion of the procedures for accepting Lincoln’s offer to reinsure. Upon its receipt of
such information, Lincoln may withdraw or modify its earlier offer to reinsure.
	 
	F.	 	The terms of an offer to reinsure shall supercede the terms of this Agreement to the extent
of any conflicts between the two. Otherwise, reinsurance of a Policy ceded as Facultative
Reinsurance shall be in accordance with the terms of this Agreement.

Continuations

	A.	 	If SAFECO issues a Continuation of a Policy within its normal continuation rules and
practices, reinsurance of such a Policy shall terminate effective as of the date of the
continuation (conversion or exchange). If SAFECO initiates any special program that encourages
or rewards its policyholders for such a continuation, reinsurance shall continue

	 	(1)	 	under the reinsurance agreement between SAFECO and Lincoln which provides
reinsurance of the Policy form of the Continuation; or
	 
	 	(2)	 	under this Agreement if there is no such agreement.

	B.	 	A Policy which is a Continuation of a Policy that was not previously reinsured with
Lincoln may only be reinsured under this Agreement with the written consent of Lincoln and the
original reinsure.

Page 3

 

	C.	 	If the original Policy was ceded to Lincoln as Facultative Reinsurance and SAFECO
approves an increase in the face amount of the Continuation based upon receipt of any new
information pertaining to the insurability of the proposed insured in connection with an
application for the Continuation, SAFECO agrees to submit the Continuation to Lincoln for
consideration as Facultative Reinsurance. In such case, Lincoln shall only be bound to
reinsure the Continuation in accordance with its offer to reinsure the Continuation.
	 
	D.	 	Reinsurance at issue of the Continuation shall equal the lesser of

	 	(1)	 	the Reinsurance Amount of the Continuation; and
	 
	 	(2)	 	the Reinsurance Amount of the original Policy immediately prior to the
issuance of the Continuation.

	E.	 	Premiums payable for reinsurance of a Continuation shall be calculated using the rate
schedule applicable to the Policy form of the Continuation as specified in the Premium and
Allowance Schedule. If there is no rate schedule applicable to the Policy form of the
Continuation, reinsurance premiums shall be payable using the rate schedule applicable to the
original Policy.
	 
	F.	 	If the Continuation results in a change in the life status of the insured from a single-insured
plan to a joint-or multiple-insured plan, Lincoln must consent to the Continuation.

Terms of Reinsurance

	A.	 	The plan of reinsurance shall be coinsurance of the Reinsurance Amount. Reinsurance shall
follow the forms of the Policies, including but not limited to the premium structure of the
Policies.
	 
	B.	 	Reinsurance of a Policy shall commence on the Policy date, except

	 	(1)	 	in the case of Facultative Reinsurance, reinsurance shall commence on the Policy
date only if Lincoln’s offer to reinsure is the best offer of reinsurance received by
SAFECO as determined by SAFECO’S published reinsurance placement rules in effect as of
such date; and
	 
	 	(2)	 	if a premium receipt is issued by SAFECO in connection with an application for
the Policy, reinsurance shall commence prior to the Policy

Page 4

 

	 	 	 	date only if and as specified in the Premium Receipt Addendum.

	C.	 	SAFECO agrees not to use Lincoln’s name in connection
with the sale of the Policies.
	 
	D.	 	In no event shall reinsurance under this Agreement be in force with respect to a Policy
unless the issuance and delivery of the Policy is in compliance with the laws of all
applicable jurisdictions and SAFECO’S corporate charter.
	 
	E.	 	SAFECO agrees to maintain reinsurance of a Policy in force in accordance with the terms of
this Agreement for as long as its Policy remains in force.

Payments by SAFECO

	A.	 	SAFECO agrees to pay Lincoln premiums for reinsurance of a Policy equal to the Proportionate
Share times the gross premium charged the policyholder by SAFECO.
	 
	B.	 	The Premium and Allowance Schedule specifies other monetary amounts which SAFECO agrees
to take into account when calculating the amount due Lincoln.
	 
	C.	 	Reinsurance premiums shall be due and payable as specified in the Administration
Schedule.
	 
	D.	 	The payment of reinsurance premiums is a condition precedent to the liability of Lincoln under
this Agreement. If reinsurance premiums are not paid when due, Lincoln may give SAFECO thirty (30)
days written notice of its intent to terminate because of SAFECO’S failure to pay reinsurance
premiums. Reinsurance of all Policies having reinsurance premium in arrears shall terminate as of
the date to which reinsurance premiums had previously been paid unless all premiums in arrears are
paid before the end of the thirty (30) day notice period. If reinsurance on any Policy terminates
because of SAFECO’S failure to pay reinsurance premium, reinsurance of Policies with premiums
subsequently becoming due shall automatically terminate as of the date on which new reinsurance
premiums become due.
	 
	E.	 	Lincoln’s guaranteed premiums follow the guarantee of the underlying Policy. The allowances
are guaranteed for the premiums as set forth in the Premium and Allowance Schedule.

Payments by Lincoln

	A.	 	Lincoln agrees to pay SAFECO the Reinsurance Amount of any claim paid by SAFECO
pursuant to a Policy in accordance with the “Settlement of Claims” article.

Page 5

 

	B.	 	Lincoln agrees to pay the Proportionate Share of any expenses incurred in connection
with Policy claims except as set forth in the “Settlement of Claims” article.
	 
	C.	 	The Premium and Allowance Schedule specifies other monetary amounts that Lincoln agrees to pay
SAFECO pursuant to this Agreement.

Reinsurance Administration

	 	 	The methods for placing reinsurance into effect, for paying reinsurance premiums, and for
notifying Lincoln of Policy lapses, reinstatements, reductions, Continuations, increases in
the Reinsurance Amount and of other changes affecting reinsurance are specified in the
Administration Schedule.

Reserve Information

	A.	 	Lincoln and SAFECO each acknowledge that some or all of the products reinsured under
this Agreement are subject to the NAIC Valuation of Life Insurance Policies Model Regulation #830
(“Regulation”).
	 
	B.	 	Annually, as requested by Lincoln, SAFECO agrees to provide Lincoln with sufficient
information that Lincoln’s valuation actuary can opine that the X-factors used in
calculating the reserves on the affected products meet the requirements of Section 5
Subsection B(3) of the Regulation:

Settlement of claims

	A.	 	SAFECO agrees to give Lincoln prompt written notice of its receipt of any claim on a Policy
and to keep Lincoln in formed of any legal proceedings or settlement negotiations in connection
with a claim. Copies of written materials relating to such claim, legal proceedings or negotiation
shall be furnished to Lincoln upon request.
	 
	B.	 	SAFECO agrees to act in accord with its standard practices applicable to all claims in
enforcing the terms and conditions of the Policies and with respect to the administration,
negotiation, payment, denial or settlement of any claim or legal proceeding.
	 
	C.	 	Lincoln agrees to accept the good faith decision of SAFECO in payment of settlement of any
claim for which Lincoln has received the required notice. Lincoln agrees to pay SAFECO the
Reinsurance Amount on which reinsurance premiums have been computed upon receiving proper evidence
that SAFECO has paid a Policy claim.

Page 6

 

	 	 	Payment of the Reinsurance Amount on account of death shall be made in one (1)
lump sum.
	 
	D.	 	Lincoln’s liability shall include indemnification of the Proportionate Share of any
expenses incurred by SAFECO in defending or investigating a Policy claim except for

	 	(1)	 	salaries of employees or other internal expenses of SAFECO;
	 
	 	(2)	 	routine investigative or administrative expenses;
	 
	 	(3)	 	expenses incurred in connection with a dispute arising out of conflicting
claims of entitlement to proceeds of a Policy which SAFECO admits are payable;
	 
	 	(4)	 	any gratuitous payments made by SAFECO; and
	 
	 	(5)	 	any punitive damages awarded against SAFECO, and expenses incurred in
connection with such damages, which are based on the acts or omissions of SAFECO or
its agents.

	E.	 	Lincoln agrees to hold SAFECO harmless from certain expenses and liabilities that result
from Lincoln’s own acts or omissions as provided in this paragraph. For this purpose,
Lincoln agrees to indemnify SAFECO for Lincoln’s equitable share of those punitive and
exemplary damages awarded against SAFECO, and expenses incurred in connection with a claim
for such damages, if

	 	(1)	 	Lincoln actively participated in the acts or omissions, including
the decision to deny a claim for Policy benefits; and
	 
	 	(2)	 	those acts or omissions serve as a material basis for the punitive
or exemplary damages.

	 	 	Lincoln’s equitable share shall be determined by an assessment of Lincoln’s participation in the
particular case.
	 
	F.	 	If SAFECO should contest or compromise any claim and the amount of SAFECO’S liability is
thereby reduced, Lincoln’s liability shall be reduced by the Proportionate Share of the
reduction.
	 
	G.	 	If SAFECO should recover monies from any third party in connection with or arising out of any
Policy, SAFECO agrees to pay Lincoln the Proportionate Share of the recovery.
	 
	H.	 	If the amount of insurance provided by a Policy is increased or reduced because of a
misstatement of age or sex, Lincoln’s liability shall be increased or reduced by the
Proportionate Share of the amount of the increase or reduction.

Page 7

 

	I.	 	If SAFECO pays interest on a claim, Lincoln agrees to pay the interest on the
Reinsurance Amount computed at the same rate and for the same period as that paid by
SAFECO, but in no event later than the date the claim is finally adjudicated by SAFECO.
	 
	J.	 	If SAFECO is required to pay penalties and interest imposed automatically by statute, Lincoln
shall indemnify SAFECO for the Proportionate Share of such penalties and interest.

Reinstatements and Restorations

	A.	 	If SAFECO reinstates a lapsed Policy in accordance with the terms of the Policy and SAFECO’S
underwriting rules and practices, Lincoln agrees to automatically reinstate reinsurance of the
Policy unless Lincoln’s offer to reinsure the Policy specifies that reinsurance of the Policy
may only be reinstated as Facultative Reinsurance.
	 
	B.	 	If SAFECO reinstates or restores a Policy pursuant to any state law or regulations that require
such reinstatements or restorations of the Policy following a “free look” period of a proposed
replacement policy that is rejected by the insured, Lincoln agrees to restore reinsurance of the
Policy under its original terms and conditions as set forth herein: SAFECO shall follow its
reinstatement procedures and rules to the extent that such procedures and rules do not conflict
with the applicable state law or regulations requiring reinstatement or restoration. All of the
foregoing shall apply to Automatic Reinsurance or Facultative Reinsurance, as applicable.
	 
	C.	 	If SAFECO collects premiums in arrears from the policy holder of a reinstated or restored
Policy, it agrees to pay Lincoln a Proportionate Share of all premiums charged the policyholder in
connection with the reinstatement, together with Lincoln’s Proportionate Share of any interest
received by SAFECO in connection with the reinstatement or restoration.

Reductions in Insurance

	 	 	If individual life insurance on a life reinsured under this Agreement terminates, the
Reinsurance Amount shall be reduced as specified in the Administration Schedule.

Increases in Policy Face Amounts

	A.	 	If the Policy face amount on a Policy increases and the increase is subject to SAFECO’S
underwriting approval, the Reinsurance Amount of the Policy shall only increase

Page 8

 

if the conditions of either the “Automatic Reinsurance” or “Facultative Reinsurance” articles are satisfied.

	B.	 	If the Policy face amount on a Policy increases causing the
Reinsurance Amount to exceed the Reinsurance Amount at issue of the
Policy, and the increase is not subject to SAFECO’S underwriting
approval, Lincoln agrees to accept a portion of such increases only if
and as specified in the Increasing Policy Addendum.

Changes in Retention

	A.	 	If SAFECO increases its Retention on hew Policies, it agrees
to notify Lincoln in writing within sixty (60) days of such increase.
The notice shall specify the new Retention and the effective date
thereof.
	 
	B.	 	Whenever SAFECO increases its Retention on new Policies, it
agrees to also indicate in its notice whether it wishes to

	 	(1)	 	  continue its previous Retention on in force Policies; or
	 
	 	(2)	 	   increase its Retention on in force Policies and recapture reinsurance.

If SAFECO elects (2), SAFECO’S new Retention on an in force Policy
shall be calculated using the insured’s age, mortality class, Policy
form and country of residence at issue of the Policy.

	C.	 	If SAFECO elects to increase its Retention on in force Policies
pursuant to paragraph B, its new Retention for such Policies shall
become effective on the later of

	 	(1)	 	the reinsurance renewal date of the Policy first following
the effective date of its new Retention for new Policies; and
	 
	 	(2)	 	the Policy anniversary date specified in the Administration Schedule.

	 	 	If SAFECO fails to initiate recapture of reinsurance within one
hundred and eighty days (180) of when the first of its Policies
becomes eligible for recapture, its election to recapture reinsurance,
as of the date of the Retention change, shall be considered waived.
This does not preclude SAFECO from increasing its Retention on
existing reinsurance at a later date.

	D.	 	If SAFECO elects to recapture a Policy before the end of the
Policy’s level term period, subject to the Policy anniversary date
specified in the Administration Schedule, SAFECO recognizes and agrees
that no reserves on such a Policy shall be released to SAFECO at the
time of such recapture.

Page 9

 

	E.	 	If an in force Policy is subject to a waiver of premium claim on the date the
Policy qualifies for a new Retention, the new Retention shall nonetheless become
effective on such date for purposes of life reinsurance.
	 
	F.	 	SAFECO may only elect to increase its Retention on in force Policies if

	 	(1) 	it maintained a Retention greater than zero dollars ($0) at the time the
Policy was issued
and retained its Retention at such time;
	 
	 	(2) 	it increases its Retention on all eligible in force Policies; and
	 
	 	(3) 	it retains the insurance recaptured from Lincoln at its own risk without
benefit of any proportional or nonproportional reinsurance other than catastrophe
accident reinsurance.
	 
	G.	 	Notwithstanding the preceding,
	 
	 	(1) 	the recapture of the Reinsurance Amount shall be limited to Lincoln’s portion of
all reinsurance ceded by SAFECO of the Policy;
and
	 
	 	(2) 	if SAFECO gives notice of its intent to increase its Retention on in force
Policies within five (5) years following a merger with another insurance company
or the date it accepts the Policies by means of an assignment, the new Retention
applicable to such Policies shall be limited to one hundred fifty percent (150%) of
the original reinsured’s pre-merger or pre- assignment Retention.
	 
	H.	 	For purposes of this article, Continuations shall be considered issued on the
issue date of the original Policy.

Assignment of Reinsurance

	 	 	If SAFECO sells, assumption reinsures or otherwise transfers the Policies to
another insurer, it agrees to require that the other insurer assumes all rights and
obligations of SAFECO under this Agreement. Lincoln may object to any such transfer
that would result in a material adverse economic impact to Lincoln. If Lincoln so
objects, SAFECO and Lincoln agree to mutually calculate a termination charge that
shall be paid by SAFECO to Lincoln upon the transfer, and this Agreement shall be
terminated with respect to all Policies transferred by SAFECO.

Page 10

 

Material Changes

A. SAFECO agrees to notify Lincoln in writing of any anticipated
Material Change in any terms or conditions of the Policies, including
but not limited to SAFECO’S direct Policy premium rates, in SAFECO’S
underwriting rules and practices applicable to the Policies or in
SAFECO’S claims practices and procedures.

B. In the event of a Material Change to the Policies, to SAFECO’S
underwriting rules and practices or to its claims practices and
procedures, Lincoln may at its option

	 	(1)	 	  continue to reinsure the Policies under current terms;
	 
	 	(2)	 	  reinsure Policies under modified terms to reflect the Material Change; or
	 
	 	(3)	 	  consider future Policies as issued in a Policy form which is not reinsured under this Agreement.

Errors

	A.	 	Any Error by either SAFECO or Lincoln in the administration
of reinsurance under this Agreement shall be corrected by restoring
both SAFECO and Lincoln to the positions they would have occupied had
no Error occurred. Any monetary adjustments made between SAFECO and
Lincoln to correct an Error shall be without interest.
	 
	B.	 	When a party claims that an Error should be corrected pursuant to paragraph A, that party agrees to investigate whether
other instances of the Error have also occurred and agrees to report
its findings to the other party.

Audits of Records and Procedures

	A.	 	Lincoln or SAFECO may audit, at any reasonable time and at its
own expense, all records and procedures relating to reinsurance under
this Agreement. The party being audited agrees to cooperate in the
audit, including providing any information requested by the other in
advance of the audit.
	 
	B.	 	Upon request, SAFECO agrees to furnish Lincoln with copies of any
underwriting information in SAFECO’S files pertaining to a Policy.

Arbitration

	A.	 	If SAFECO and Lincoln cannot mutually resolve a dispute that
arises out of or relates to this Agreement, the dispute shall be
decided through arbitration as specified in the Arbitration Schedule.
The arbitrators shall base their decision on the terms and conditions
of this Agreement

Page 11

 

	 	 	plus, as necessary, on the customs
and practices of the insurance and
reinsurance industry rather than
solely on a strict interpretation of
applicable law. There shall be no
appeal from their decision, except
that either party may petition a
court having jurisdiction over the
parties and the subject matter to
reduce the arbitrators’ decision to
judgement.
	 
	B.	 	The parties intend this
article to be enforceable in
accordance with the Federal
Arbitration Act (9 U.S.C. §§ 1 et
seq.), including any amendments to
that Act which are subsequently
adopted. If either party refuses to
submit to arbitration as required by
paragraph A, the other party may
request a United States Federal
District Court to compel arbitration
in accordance with the Federal
Arbitration Act. Both parties
consent to the jurisdiction of such
court to enforce this article and to
confirm and enforce the performance
of any award of the
arbitrators.

Insolvency of SAFECO

	A.	 	In the event of the
insolvency of SAFECO and the
appointment of a conservator,
liquidator or statutory successor of
SAFECO, reinsurance shall be payable
to such conservator, liquidator or
statutory successor on the basis of
claims allowed against SAFECO by
any court of competent jurisdiction
or by the conservator, liquidator or
statutory successor of SAFECO
without diminution because of the
insolvency of SAFECO or because such
conservator, liquidator or statutory
successor has failed to pay all or a
portion of any claims.
	 
	B.	 	In the event of the insolvency of
SAFECO, the conservator, liquidator
or other statutory successor of
SAFECO agrees to give Lincoln
written notice of the pendency of a
claim on a Policy within a
reasonable time after such claim is
filed in the insolvency proceeding.
During the pendency of any such
claim, Lincoln may investigate the
claim and interpose in the
proceeding where such claim is to be
adjudicated in the name of SAFECO
(its conservator, liquidator or
statutory successor), but at its own
expense, any defense or defenses
which Lincoln may deem available to
SAFECO or its conservator,
liquidator or statutory
successor.
	 
	C.	 	A percentage of the expense
thus incurred by Lincoln shall be
charged, subject to court approval,
against SAFECO as part of the
expense of liquidation.

Page 12

 

Offset

	 	 	Any debts or credits, matured or unmatured, liquidated or
unliquidated, regardless of when they arose or were incurred, in favor
of or against either SAFECO or Lincoln with respect to this Agreement
or any other agreement between the parties, shall be offset and only
the balance allowed or paid. If either SAFECO or Lincoln is then under
formal insolvency proceedings, this right of offset shall be subject
to the laws of the state exercising primary jurisdiction over such
proceedings.

Parties to the Agreement

	 	 	This is an Agreement for indemnity reinsurance solely between
SAFECO and Lincoln. The acceptance of reinsurance under this Agreement
shall not create any right or legal relation whatever between Lincoln
and an insured, policyholder, beneficiary or any other party to or
under any Policy.

Commencement and Termination

	A.	 	This Agreement shall be effective as of the date set forth on
the cover page, except that SAFECO may issue a Policy dated as much
as six (6) months prior to the Effective Date in order to save age of
the applicant.
	 
	B.	 	Either SAFECO or Lincoln may terminate this Agreement for
new reinsurance by giving ninety (90) days, written notice to the other
party. In such case, SAFECO agrees to continue to cede, and Lincoln
agrees to continue to accept, reinsurance in accordance with this
Agreement of Policies issued prior to the expiration of the ninety
(90) day period. All reinsurance which has been placed in effect prior
to such date shall remain in effect in accordance with the terms of
this Agreement, until the earlier of

	 	(1)	 	the termination or expiration of the Policy; and
	 
	 	(2)	 	the termination of this Agreement pursuant to paragraph C below.

	C.	 	Lincoln may terminate all reinsurance under this Agreement in
accordance with paragraph D of the “Payments by SAFECO” article if
SAFECO fails to pay reinsurance premiums when due.

Entire Agreement

	A.	 	This Agreement represents the entire agreement between SAFECO
and Lincoln and supercedes any prior oral or written agreements
between the parties regarding its subject matter.

Page 13

 

	B.	 	No modification of this Agreement shall be
effective unless set forth in a written amendment
executed by both parties.
	 
	C.	 	A waiver of a right created by this Agreement
shall constitute a waiver only with respect to the
particular circumstance for which it is given and not a
waiver in any future circumstance.

Deferred Acquisition Cost Tax Election

	A.	 	Lincoln and SAFECO each acknowledge that it is
subject to taxation under Subchapter “L” of the Internal
Revenue Code of 1986 (the “Code”).
	 
	B.	 	With respect to this Agreement, Lincoln and
SAFECO agree to the following pursuant to Section
1.848-2(g)(8) of the Income Tax Regulations issued
December 1992, whereby:

	 	(1)	 	Each party agrees to attach a schedule to its
federal income tax return which identifies this
Agreement for which the joint election under the
Regulation has been made;
	 
	 	(2)	 	The party with net positive consideration, as
defined in the Regulation promulgated under Code Section
848, for this Agreement for each taxable year, agrees to
capitalize specified Policy acquisition expenses with
respect to this Agreement without regard to the general
deductions limitation of Section 848(c)(l);
	 
	 	(3)	 	Each party agrees to exchange information
pertaining to the amount of net consideration under this
Agreement each year to ensure consistency; and
	 
	 	(4)	 	This election shall be effective for the year that
this Agreement was entered into and for all subsequent
years that this Agreement remains in effect.

Definitions

	A.	 	Automatic Limit — the amount specified in the
Life
Benefits Schedule used to calculate the maximum
Reinsurance Face Amount that may be ceded as Automatic
Reinsurance.
	 
	B.	 	Automatic Reinsurance— reinsurance satisfying certain
conditions relating to the reinsurance as specified in
the Agreement that is ceded to Lincoln without obtaining
a specific offer to reinsure from Lincoln.
	 
	C.	 	Continuation — a new Policy replacing a Policy
or a change in an existing Policy issued or made
either

Page 14

 

	 	(1)	 	in compliance with the terms of the Policy; or
	 
	 	(2)	 	without

	 	(a)	 	the same new underwriting information SAFECO would obtain in the absence of the Policy;
	 
	 	(b)	 	a suicide exclusion or contestable period as long as those contained in other new issues of Policies; or
	 
	 	(c)	 	the payment of the same commissions in the first year that SAFECO would have paid in the absence of the original Policy.

	D.	 	Effective Date — the date specified on the cover page on which
this Agreement becomes binding on SAFECO and Lincoln.
	 
	E.	 	Error— any isolated deviation from the terms of this Agreement
resulting from the act or omission of an employee of either SAFECO or
Lincoln whose principal function relates to the administration of
reinsurance, whether such deviation results from inadvertence or a
mistake in judgment. “Error” shall not include any failure to comply
with the terms of an offer of Facultative Reinsurance or any negligent
or deliberate deviation from the terms of this Agreement.
	 
	F.	 	Facultative Reinsurance — reinsurance which is ceded to Lincoln
only after SAFECO has obtained and accepted a specific offer to reinsure
made by Lincoln. Such reinsurance may be ceded to Lincoln only upon the
terms specified by Lincoln in its offer to reinsure and other terms of
this Agreement which do not conflict with the specific offer to
reinsure.
	 
	G.	 	Material Change — a change that a prudent insurance or reinsurance
executive would consider as likely to impact upon a party’s financial
experience under this Agreement.
	 
	H.	 	Participation Limit — the amount specified in the Life
Benefits Schedule used as a condition for ceding Automatic Reinsurance.
	 
	I.	 	Policy(ies) — an individual life insurance contract issued by
SAFECO on any of the Policy forms specified in the Life Benefits
Schedule. A “Policy” shall include any attached riders and endorsements
specified in the Life Benefits Schedule or any Addendum to this
Agreement.
	 
	J.	 	Proportionate Share — the Reinsurance Amount divided by the
death benefit as of the date of issue or as of the date of a subsequent
change to the Policy that affects the Reinsurance Amount.

Page 15

 

	K.	 	Reinsurance Amount — the Policy death benefit at issue less the
Retention on the Policy times the percentage of Automatic Reinsurance
ceded to Lincoln as specified in the Life Benefits Schedule. For
Facultative Reinsurance, the “Reinsurance Amount” is that amount of the
Policy death benefit at issue for which SAFECO accepts Lincoln’s offer to
reinsure.
	 
	L.	 	Retention — the amount specified in the Life Benefits Schedule that is
held by SAFECO at its own risk on a life without the benefit of
proportional reinsurance. In calculating the Retention, the sum retained by
SAFECO on the life and in force as of the date of issue of the Policy shall
be taken into account.
	 
	M.	 	Ultimate Amount — the projected maximum Policy face amount that a Policy
could achieve based on reasonable assumptions made about the operation of
certain characteristics of the Policy form.

Execution

	 	 	SAFECO and Lincoln, by their respective officers, executed this
Agreement in duplicate on the dates shown below. As of the Effective Date,
this Agreement consists of

	 	•	 	this Coinsurance Agreement numbered 12;
	 
	 	•	 	a Life Benefits Schedule;
	 
	 	•	 	an Administration Schedule;
	 
	 	•	 	a Premium and Allowance Schedule;
	 
	 	•	 	an Arbitration Schedule;
	 
	 	•	 	a Waiver of Premium Addendum;
	 
	 	•	 	an Accidental Death Benefit Addendum;
	 
	 	•	 	an Accelerated Benefits Rider Addendum; and
	 
	 	•	 	a Guaranteed Purchase Option Addendum.

Page 16

 

	 	 	 
	 

	SAFECO LIFE INSURANCE COMPANY
	 
	 
	 		Signed at Redmond, WA
	 	 	 
	 

	By 	/s/ Jennifer Davies
	 
	 
	 

	Title Vice President
	 
	 
	 

	Date 8/30/01
	 
	 
	                                                       
	 

	By 	/s/
Jon David Parker 
	                                                        
	 
	 
	 

	Title Actuary
	 
	 
	 

	Date 8/31/01
	 
	 
	 

	THE LINCOLN NATIONAL LIFE INSURANCE COMPANY
	 

	Signed at FortWayne, Indiana
	 
	 
	 

	By 	/s/ Jay Blehl
	 

	Date 8/27/01
	 
	 
	                                                       
	 

	By 	/s/
Elena Giles
	 

	     Assistant Secretary
	                                                        
	 
	 
	 

	Date August 24, 2001

Page 17

 

LIFE BENEFITS SCHEDULE

(Effective as of January 1, 2000)

to 
Agreement Number 12

POLICIES REINSURED: SAFECO agrees to cede reinsurance in the listed percentages of Policies on the
following Policy forms with issue dates from and until the dates listed below to insureds having
surnames beginning with the letters of the alphabet shown. Any Addenda referred to in the last
column shall also be applicable to reinsurance of the Policy.

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Percent of	 	 	 	 	 	 
	 	 	Reinsurance	 	Policy Issue	 	Alpha	 	Applicable
	Policy Form	 	Ceded to Lincoln	 	Dates From/Until	 	Split	 	Addenda
	Expert Term

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
Series *
(High Band)
	 	 	100	%	 	 	01-01-00/—	 	 	 	A-Z	 	 	WP, ADB, ABR
	
Business Needs

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 Option (BNO)
	 	 	*	*	 	 	01-01-00/—	 	 	 	A-Z	 	 	GP
	
Guaranteed Insurability

	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	
Option (GIO)
	 	 	*	*	 	 	01-01-00/—	 	 	 	A-Z	 	 	GP
	Additional Term Rider
	 	 	*	*	 	 	01-01-00/—	 	 	 	A-Z	 	 	 	—	 

 

			
	*	 	Reinsurance coverage, shall include the Safety Rider and the Transport Benefit Rider as set forth
in the Policy.
	 
	**	 	Same as base.

RETENTION: SAFECO agrees to hold fifty percent (50%) of each Policy face amount not to exceed the
Retention limit below at its own risk on a life without the benefit of proportional reinsurance on
the 10 Year Term and 15 Year Term Policies only; and twenty percent (20%) of each Policy face
amount not to exceed the Retention limit below at its own risk on a life without the benefit of
proportional reinsurance on the 20 Year Term Policies only. In calculating its Retention, amounts
retained by SAFECO on other individual life insurance policies in force as of the issue date of the
Policy shall be taken into account.

	 	 	 	 	 
	Ages	 	Standard-Table P
	ALL
	 	$	500,000	 

Page 18

 

AUTOMATIC LIMITS: To bind Automatic Reinsurance, the maximum amount of life insurance in force with
SAFECO on a single life, or in the case of individual life insurance with increasing death
benefits, the Ultimate Amounts, plus all amounts applied for from SAFECO on that life, or in the
case of individual life insurance with increasing death benefits, the Ultimate Amounts, may not
exceed the sum of the: Retention on the life plus the following amounts:

	 	 	 	 	 
	Ages	 	Standard-Table P
	0-75
	 	$	4,500,000	 

PARTICIPATION LIMITS: To bind Automatic Reinsurance the sum of (1) the maximum amount of individual
life insurance in force on the insured in all companies or, in the case of individual life
insurance with increasing death benefits, the Ultimate Amounts, as of the Policy date of a Policy
and (2) the amount then being applied for from all companies, or in the case of individual life
insurance with increasing death benefits, the Ultimate Amounts, on the insured, may not exceed the
following amounts:

	 	 	 	 	 
	Ages	 	Standard-Substandard
	0-75 
	 	$	25,000,000	 

Page 19

 

ADMINISTRATION SCHEDULE

(Effective as of January 1, 2000)

to

Agreement Number 12

TO PLACE REINSURANCE INTO EFFECT

(1) For Automatic Reinsurance: SAFECO agrees to cede Automatic Reinsurance of a Policy by
including all required information about the Policy on the new business segment of the next
self-administered statement submitted in accordance with the Reports section below following
issuance of the Policy.

(2) For Facultative Reinsurance: SAFECO agrees to submit an application form for
Facultative Reinsurance in substantial accord with the attached. It agrees to allocate reinsurance
in accordance with its published facultative placement rules among those reinsurers making
facultative offers to reinsure a Policy. If according to such rules Lincoln’s offer is the one
SAFECO intends to accept, SAFECO shall cede Facultative Reinsurance of the Policy by including all
required information about the Policy on the new business segment of the next self-administered
statement submitted in accordance with the Reports section below within one hundred twenty (120)
days from date of Lincoln’s facultative offer or the date specified in Lincoln’s approval of a
written request from SAFECO to grant an extension to the facultative offer.

MINIMUM CESSION REQUIREMENT

There is no minimum cession requirement under this Agreement.

REPORTS

Within thirty (30) days following the end of each quarter, SAFECO agrees to send Lincoln the
following three (3) reports:

	 	(1)	 	A Billing Statement containing Policy level detail in a form mutually acceptable to SAFECO and
Lincoln. At a minimum, it shall contain the data elements specified in the attached Policy Detail
Report. If the Policy contains supplemental benefits that are also reinsured, each segment of the
Billing Statement shall include supplemental benefit detail.

Page 20

 

The Billing Statement shall be segmented as follows:

	 	•	 	New Issues and first year gross premiums and gross allowances due for new reinsurance.
	 
	 	•	 	Balance of first year Policies (Policies previously reported as new issues) and corresponding
balance of first year gross reinsurance premiums and gross reinsurance allowances due for the
reporting period.
	 
	 	•	 	Policies with renewal reinsurance premiums and reinsurance allowances due during the reporting
period.
	 
	 	•	 	Policies that have undergone a change that affects reinsurance. Separate segments may be
submitted for any change affecting reinsurance of a Policy, including

	 	4	 	reissues;
	 
	 	4	 	reinstatements;
	 
	 	4	 	terminations;
	 
	 	4	 	reductions;
	 
	 	4	 	changes in Retention;
	 
	 	4	 	changes
in mortality ratings;
	 
	 	4	 	issuance of a Continuation; and
	 
	 	4	 	increases or decreases in the
Reinsurance Amount.

	 	(2)	 	A Summary Accounting Report that summarizes all financial transactions during the reporting
period. The report shall separately total life and supplemental benefits, for the first year
reinsurance premiums are due with corresponding allowances, total life and supplemental benefits,
for renewal years premiums are due with corresponding allowances, and identify all adjustments
therefrom.
	 
	 	(3)	 	A Policy Exhibit Report in substantial accord with the attached that indicates in force
reinsurance as of the beginning of the reporting period, increases during the reporting period (new
reinsurance, reinstatements, recoveries, or other increases) and all decreases during the reporting
period (terminations, reductions, surrenders, death claims or other decreases) and the resulting in
force reinsurance as of the end of the reporting period.

SAFECO agrees to send Lincoln within ten (10) working days following each quarter-end a Reserve
Report in substantial accord with the attached form.

Lincoln may change the reporting requirements in order to obtain data it reasonably needs to
properly administer this Agreement or to prepare its financial statements.

Page 21

 

REINSURANCE PREMIUMS DUE

Reinsurance premiums are payable quarterly in arrears and are due with the reports submitted
pursuant to the Reports section above.

INCREASE IN LIMIT OF RETENTION

If SAFECO elects to increase its Retention on in force Policies, the increased Retention may not
become effective for a Policy until the Policy’s tenth anniversary date.

REDUCTIONS IN INSURANCE

(1) If life insurance issued by SAFECO on a Policy reduces because that Policy lapses or reduces in
accordance with the terms of the Policy, the Reinsurance Amount on that Policy shall be reduced to
restore as far as possible the Retention on that Policy as of the effective date of the reduction.

(2) Notwithstanding the preceding, the reduction of the Reinsurance Amount shall be limited to
Lincoln’s share of the total reinsurance on the lapsed or reduced Policy prior to the reduction.

CLAIMS ADMINISTRATION

Claims shall be individually reported as incurred using a form in substantial accord with the
attached. SAFECO may take credit for unearned reinsurance premium from the date of death to the
next Policy paid to date on its next billing statement.

OTHER LINCOLN PAYMENTS

(1) Payments to SAFECO from Lincoln for any cash surrender values shall be reported on the
quarterly report and may be netted from the billing statement.

(2) Payments to SAFECO from Lincoln for any dividend credits shall be reported on the quarterly
report and may be netted from the billing statement.

Page 22

 

PREMIUM AND ALLOWANCE SCHEDULE

(Effective as of January 1, 2000)

to

Agreement Number 12

GROSS REINSURANCE PREMIUMS

(1) All Other Plans: The quarterly gross reinsurance premium rates for reinsurance ceded
under this Agreement shall be the appropriate attached rates on diskette labeled “SAFECO, January
1, 2000, Term Rates,” age last birthday, charged the policyholder per one thousand dollars ($1,000)
of the Reinsurance Amount. For Policies written on substandard risks, the appropriate premium rate
shall be adjusted by multiplying the rate by [***] for each table assessed the risk and adding such
amount to the reinsurance premium due. SAFECO also agrees to pay Lincoln the Proportionate Share of
any Policy fee collected by SAFECO.

(2) Business Needs Option (BNO) and Guaranteed Insurability Option (GIO)* Plans: A single
premium rate as described in the GPO Addendum shall be paid by SAFECO to Lincoln when an option is
exercised. The reinsurance premium rate for the new Policy delivered from an exercised option shall
be the same premium rate as the base plan using a point-in-scale calculation.

(3) Safety Rider, Transport Benefit Rider and Accelerated Benefits Rider: No reinsurance
premiums to be paid.

(4) Additional Term Rider: The appropriate rates are as attached hereto and labeled
“Additional Term Rider Rates — All Bands.” The allowances shall be the same as base.

 

			
	*	 	For the GIO plan, there shall be a 3-year setback on female insureds.

REINSURANCE ALLOWANCES

Lincoln agrees to pay allowances for reinsurance ceded under this Agreement equal to the gross
reinsurance premium times the appropriate allowance from the following table:

	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	Duration
	Plan	 	Issue Ages	 	 	1	 	 	 	2+	 
	10 Year Term
	 	All	 	 	[***]	 	 	 	[***]	 
	15 Year Term
	 	All	 	 	[***]	 	 	 	[***]	 
	20 Year Term
	 	All	 	 	[***]	 	 	 	[***]	 

Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed
separately with the Securities and Exchange Commission.

Page 23

 

Lincoln agrees to pay allowances equal to the Proportionate Share of any Policy fee times the
allowance shown below:

	 	 	 	 	 
	All Years	 	 	 	 
	[***]
	 	 	 	 

ADDITIONAL MONETARY AMOUNTS

(1) Temporary Flat Extra Premiums: SAFECO agrees to pay Lincoln a temporary flat extra
premium equal to the product of the flat extra premium assigned by SAFECO or Lincoln on the Policy
times the Reinsurance Amount minus an allowance of [***] for all renewal years, such premium is
payable.

(2) Permanent Flat Extra Premiums: SAFECO agrees to pay Lincoln a permanent flat extra
premium equal to the product of the flat extra premium assigned by SAFECO or Lincoln on the Policy
times the Reinsurance Amount minus an allowance of [***] for the first year such premium is payable
and [***] for all renewal years such premium is payable.

(3) Continuations to Issues Reinsured Hereunder: The reinsurance premium for newly-issued
Policies reinsured under this Agreement as Continuations and issued in compliance with the terms of
the original Policy shall be determined by using the original issue age and attained duration of
the appropriate attached rates on diskette labeled “SAFECO, January 1, 2000, Term Rates.” For
purposes of calculating the reinsurance premium for other Policies reinsured under the Agreement as
Continuations, the date of issue of the Continuation Policy shall be considered the date of the
original Policy.

(4) Continuations to Issues Not Reinsured Hereunder: The reinsurance premium shall be the
attached rates labeled “75-80 Basic Table Male/Female ALB” per thousand dollars of the
Reinsured Net Amount at Risk times the following percentages which covers the new Policy based on
the original issue age and attained duration.

	 	 	 	 	 
	 	 	 	Duration	 
	Smoking Status	 	 	 All Years 	 
	Preferred Non-Tobacco
	 	 	[***]	 
	Residual
	 	 	[***]	 
	Tobacco
	 	 	[***]	 

 
 

Portions marked [***] have been omitted pursuant to a Confidential Treatment
Request by Symetra Financial Corp., this information has been filed
separately with the Securities and Exchange Commission.

Page 24

 

(5) Premium Taxes: Lincoln shall not reimburse SAFECO for state premium taxes.

(6) Experience Refunds: Lincoln shall not pay an experience refund to SAFECO.

(7) Unearned Premiums: Lincoln agrees to refund, without interest, any reinsurance premiums
unearned as of the date of death of an insured person, the date of the surrender of a Policy, or
the date of a reduction of reinsurance pursuant to the “Reductions in Insurance” article.

(8) Cash Values: Lincoln agrees to refund the Proportionate Share of a Policy’s cash value
in the event a Policy is surrendered, reinsurance is reduced pursuant to the “Reductions in
Insurance” article, or SAFECO elects to increase its Retention on in force Policies in accordance
with the “Changes in Retention” article.

(9) Policy Loan: Lincoln shall not participate in any loans made by SAFECO to
policyholders.

(10) Policyholder Dividends: Lincoln shall not participate in any policyholder dividends
made by SAFECO on any participating Policy.

(11) Deficiency Reserves: Lincoln shall participate in deficiency reserves generated (if
any) under this Agreement.

Page 25

 

75-80 Basic Table

Male ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	0
	 	 	1.12	 	 	 	0.70	 	 	 	0.47	 	 	 	0.42	 	 	 	0.37	 	 	 	0.32	 	 	 	0.31	 	 	 	0.28	 	 	 	0.27	 	 	 	0.27	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.46	 	 	 	0.66	 	 	 	0.85	 
	1
	 	 	0.46	 	 	 	0.43	 	 	 	0.38	 	 	 	0.33	 	 	 	0.27	 	 	 	0.23	 	 	 	0.23	 	 	 	0.23	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.46	 	 	 	0.66	 	 	 	0.80	 	 	 	1.08	 
	2
	 	 	0.34	 	 	 	0.35	 	 	 	0.31	 	 	 	0.26	 	 	 	0.23	 	 	 	0.23	 	 	 	0.23	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.46	 	 	 	0.62	 	 	 	0.80	 	 	 	1.04	 	 	 	1.18	 
	3
	 	 	0.33	 	 	 	0.28	 	 	 	0.25	 	 	 	0.23	 	 	 	0.23	 	 	 	0.21	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.46	 	 	 	0.61	 	 	 	0.74	 	 	 	1.04	 	 	 	1.17	 	 	 	1.27	 
	4
	 	 	0.28	 	 	 	0.24	 	 	 	0.23	 	 	 	0.23	 	 	 	0.21	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.44	 	 	 	0.61	 	 	 	0.74	 	 	 	0.95	 	 	 	1.11	 	 	 	1.26	 	 	 	1.34	 
	5
	 	 	0.23	 	 	 	0.23	 	 	 	0.23	 	 	 	0.21	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.43	 	 	 	0.61	 	 	 	0.74	 	 	 	0.95	 	 	 	1.08	 	 	 	1.17	 	 	 	1.32	 	 	 	1.39	 
	6
	 	 	0.22	 	 	 	0.22	 	 	 	0.21	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.43	 	 	 	0.58	 	 	 	0.74	 	 	 	0.95	 	 	 	1.08	 	 	 	1.15	 	 	 	1.21	 	 	 	1.36	 	 	 	1.41	 
	7
	 	 	0.19	 	 	 	0.21	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.43	 	 	 	0.57	 	 	 	0.72	 	 	 	0.91	 	 	 	1.08	 	 	 	1.15	 	 	 	1.20	 	 	 	1.23	 	 	 	1.38	 	 	 	1.41	 
	8
	 	 	0.19	 	 	 	0.21	 	 	 	0.26	 	 	 	0.32	 	 	 	0.37	 	 	 	0.43	 	 	 	0.57	 	 	 	0.72	 	 	 	0.91	 	 	 	1.06	 	 	 	1.15	 	 	 	1.20	 	 	 	1.23	 	 	 	1.28	 	 	 	1.37	 	 	 	1.39	 
	9
	 	 	0.20	 	 	 	0.23	 	 	 	0.30	 	 	 	0.36	 	 	 	0.43	 	 	 	0.57	 	 	 	0.72	 	 	 	0.91	 	 	 	1.06	 	 	 	1.14	 	 	 	1.20	 	 	 	1.23	 	 	 	1.28	 	 	 	1.32	 	 	 	1.34	 	 	 	1.36	 
	10
	 	 	0.21	 	 	 	0.27	 	 	 	0.34	 	 	 	0.42	 	 	 	0.57	 	 	 	0.72	 	 	 	0.91	 	 	 	1.06	 	 	 	1.14	 	 	 	1.19	 	 	 	1.23	 	 	 	1.28	 	 	 	1.32	 	 	 	1.33	 	 	 	1.30	 	 	 	1.32	 
	11
	 	 	0.26	 	 	 	0.32	 	 	 	0.40	 	 	 	0.57	 	 	 	0.72	 	 	 	0.91	 	 	 	1.06	 	 	 	1.14	 	 	 	1.19	 	 	 	1.23	 	 	 	1.28	 	 	 	1.32	 	 	 	1.33	 	 	 	1.28	 	 	 	1.25	 	 	 	1.27	 
	12
	 	 	0.31	 	 	 	0.40	 	 	 	0.57	 	 	 	0.72	 	 	 	0.90	 	 	 	1.06	 	 	 	1.14	 	 	 	1.19	 	 	 	1.22	 	 	 	1.28	 	 	 	1.32	 	 	 	1.33	 	 	 	1.28	 	 	 	1.23	 	 	 	1.19	 	 	 	1.22	 
	13
	 	 	0.38	 	 	 	0.57	 	 	 	0.72	 	 	 	0.90	 	 	 	1.02	 	 	 	1.12	 	 	 	1.18	 	 	 	1.21	 	 	 	1.22	 	 	 	1.26	 	 	 	1.28	 	 	 	1.28	 	 	 	1.23	 	 	 	1.18	 	 	 	1.15	 	 	 	1.19	 
	14
	 	 	0.55	 	 	 	0.72	 	 	 	0.90	 	 	 	1.02	 	 	 	1.08	 	 	 	1.16	 	 	 	1.20	 	 	 	1.21	 	 	 	1.20	 	 	 	1.22	 	 	 	1.22	 	 	 	1.22	 	 	 	1.17	 	 	 	1.14	 	 	 	1.13	 	 	 	1.16	 
	15
	 	 	0.72	 	 	 	0.90	 	 	 	1.02	 	 	 	1.08	 	 	 	1.13	 	 	 	1.17	 	 	 	1.20	 	 	 	1.19	 	 	 	1.17	 	 	 	1.17	 	 	 	1.16	 	 	 	1.16	 	 	 	1.12	 	 	 	1.11	 	 	 	1.11	 	 	 	1.13	 
	16
	 	 	0.90	 	 	 	1.02	 	 	 	1.08	 	 	 	1.13	 	 	 	1.17	 	 	 	1.17	 	 	 	1.18	 	 	 	1.15	 	 	 	1.13	 	 	 	1.11	 	 	 	1.10	 	 	 	1.09	 	 	 	1.08	 	 	 	1.09	 	 	 	1.09	 	 	 	1.12	 
	17
	 	 	1.02	 	 	 	1.08	 	 	 	1.13	 	 	 	1.17	 	 	 	1.16	 	 	 	1.14	 	 	 	1.14	 	 	 	1.11	 	 	 	1.08	 	 	 	1.05	 	 	 	1.03	 	 	 	1.05	 	 	 	1.04	 	 	 	1.06	 	 	 	1.09	 	 	 	1.12	 
	18
	 	 	1.01	 	 	 	1.06	 	 	 	1.09	 	 	 	1.11	 	 	 	1.10	 	 	 	1.07	 	 	 	1.07	 	 	 	1.04	 	 	 	.1.01	 	 	 	0.99	 	 	 	0.99	 	 	 	1.01	 	 	 	1.00	 	 	 	1.04	 	 	 	1.09	 	 	 	1.13	 
	19
	 	 	0.97	 	 	 	1.01	 	 	 	1.02	 	 	 	1.04	 	 	 	1.02	 	 	 	1.00	 	 	 	0.99	 	 	 	0.96	 	 	 	0.95	 	 	 	0.95	 	 	 	0.96	 	 	 	0.97	 	 	 	0.98	 	 	 	1.03	 	 	 	1.09	 	 	 	1.16	 
	20
	 	 	0.91	 	 	 	0.94	 	 	 	0.94	 	 	 	0.95	 	 	 	0.94	 	 	 	0.93	 	 	 	0.91	 	 	 	0.89	 	 	 	0.90	 	 	 	0.91	 	 	 	0.93	 	 	 	0.95	 	 	 	0.98	 	 	 	1.03	 	 	 	1.12	 	 	 	1.20	 
	21
	 	 	0.83	 	 	 	0.85	 	 	 	0.85	 	 	 	0.86	 	 	 	0.86	 	 	 	0.85	 	 	 	0.83	 	 	 	0.86	 	 	 	0.86	 	 	 	0.87	 	 	 	0.91	 	 	 	0.94	 	 	 	0.97	 	 	 	1.05	 	 	 	1.16	 	 	 	1.25	 
	22
	 	 	0.73	 	 	 	0.75	 	 	 	0.75	 	 	 	0.76	 	 	 	0.77	 	 	 	0.77	 	 	 	0.77	 	 	 	0.78	 	 	 	0.81	 	 	 	0.85	 	 	 	0.90	 	 	 	0.94	 	 	 	0.99	 	 	 	1.08	 	 	 	1.20	 	 	 	1.32	 
	23
	 	 	0.73	 	 	 	0.74	 	 	 	0.74	 	 	 	0.75	 	 	 	0.76	 	 	 	0.77	 	 	 	0.77	 	 	 	0.78	 	 	 	0.82	 	 	 	0.87	 	 	 	0.92	 	 	 	0.98	 	 	 	1.04	 	 	 	1.14	 	 	 	1.27	 	 	 	1.41	 
	24
	 	 	0.73	 	 	 	0.73	 	 	 	0.73	 	 	 	0.74	 	 	 	0.76	 	 	 	0.77	 	 	 	0.78	 	 	 	0.80	 	 	 	0.84	 	 	 	0.90	 	 	 	0.96	 	 	 	1.03	 	 	 	1.10	 	 	 	1.22	 	 	 	1.36	 	 	 	1.51	 
	25
	 	 	0.71	 	 	 	0.71	 	 	 	0.72	 	 	 	0.74	 	 	 	0.75	 	 	 	0.77	 	 	 	0.80	 	 	 	0.82	 	 	 	0.87	 	 	 	0.95	 	 	 	1.01	 	 	 	1.09	 	 	 	1.18	 	 	 	1.33	 	 	 	1.47	 	 	 	1.63	 
	26
	 	 	0.70	 	 	 	0.69	 	 	 	0.71	 	 	 	0.73	 	 	 	0.75	 	 	 	0.78	 	 	 	0.82	 	 	 	0.85	 	 	 	0.92	 	 	 	1.00	 	 	 	1.07	 	 	 	1.16	 	 	 	1.29	 	 	 	1.44	 	 	 	1.59	 	 	 	1.79	 
	27
	 	 	0.68	 	 	 	0.68	 	 	 	0.71	 	 	 	0.73	 	 	 	0.76	 	 	 	0.80	 	 	 	0.85	 	 	 	0.90	 	 	 	0.97	 	 	 	1.07	 	 	 	1.15	 	 	 	1.26	 	 	 	1.40	 	 	 	1.58	 	 	 	1.75	 	 	 	1.97	 
	28
	 	 	0.66	 	 	 	0.68	 	 	 	0.72	 	 	 	0.76	 	 	 	0.80	 	 	 	0.84	 	 	 	0.90	 	 	 	0.97	 	 	 	1.06	 	 	 	1.15	 	 	 	1.26	 	 	 	1.38	 	 	 	1.53	 	 	 	1.74	 	 	 	1.94	 	 	 	2.19	 
	29
	 	 	0.65	 	 	 	0.68	 	 	 	0.75	 	 	 	0.80	 	 	 	0.84	 	 	 	0.90	 	 	 	0.97	 	 	 	1.06	 	 	 	1.15	 	 	 	1.26	 	 	 	1.38	 	 	 	1.52	 	 	 	1.70	 	 	 	1.94	 	 	 	2.17	 	 	 	2.45	 
	30
	 	 	0.63	 	 	 	0.68	 	 	 	0.78	 	 	 	0.84	 	 	 	0.90	 	 	 	0.97	 	 	 	1.06	 	 	 	1.15	 	 	 	1.25	 	 	 	1.38	 	 	 	1.52	 	 	 	1.70	 	 	 	1.94	 	 	 	2.17	 	 	 	2.42	 	 	 	2.74	 
	31
	 	 	0.63	 	 	 	0.70	 	 	 	0.82	 	 	 	0.90	 	 	 	0.97	 	 	 	1.06	 	 	 	1.15	 	 	 	1.25	 	 	 	1.38	 	 	 	1.52	 	 	 	1.70	 	 	 	1.94	 	 	 	2.17	 	 	 	2.42	 	 	 	2.71	 	 	 	3.07	 
	32
	 	 	0.63	 	 	 	0.72	 	 	 	0.87	 	 	 	0.97	 	 	 	1.06	 	 	 	1.15	 	 	 	1.25	 	 	 	1.38	 	 	 	1.51	 	 	 	1.70	 	 	 	1.94	 	 	 	2.17	 	 	 	2.42	 	 	 	2.71	 	 	 	3.03	 	 	 	3.43	 
	33
	 	 	0.63	 	 	 	0.74	 	 	 	0.91	 	 	 	1.03	 	 	 	1.14	 	 	 	1.25	 	 	 	1.36	 	 	 	1.50	 	 	 	1.67	 	 	 	1.87	 	 	 	2.14	 	 	 	2.41	 	 	 	2.69	 	 	 	3.03	 	 	 	3.39	 	 	 	3.82	 
	34
	 	 	0.64	 	 	 	0.76	 	 	 	0.96	 	 	 	1.11	 	 	 	1.24	 	 	 	1.36	 	 	 	1.49	 	 	 	1.66	 	 	 	1.86	 	 	 	2.10	 	 	 	2.37	 	 	 	2.67	 	 	 	3.00	 	 	 	3.38	 	 	 	3.77	 	 	 	4.24	 
	35
	 	 	0.65	 	 	 	0.79	 	 	 	1.03	 	 	 	1.20	 	 	 	1.35	 	 	 	1.49	 	 	 	1.66	 	 	 	1.86	 	 	 	2.10	 	 	 	2.33	 	 	 	2.63	 	 	 	2.96	 	 	 	3.34	 	 	 	3.75	 	 	 	4.19	 	 	 	4.69	 

 

 

75-80 Basic Table

Male ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	36
	 	 	0.67	 	 	 	0.83	 	 	 	1.12	 	 	 	1.31	 	 	 	1.49	 	 	 	1.66	 	 	 	1.86	 	 	 	2.10	 	 	 	2.33	 	 	 	2.63	 	 	 	2.92	 	 	 	3.28	 	 	 	3.70	 	 	 	4.16	 	 	 	4.63	 	 	 	5.18	 
	37
	 	 	0.70	 	 	 	0.88	 	 	 	1.21	 	 	 	1.44	 	 	 	1.66	 	 	 	1.86	 	 	 	2.10	 	 	 	2.33	 	 	 	2.63	 	 	 	2.92	 	 	 	3.23	 	 	 	3.62	 	 	 	4.09	 	 	 	4.59	 	 	 	5.12	 	 	 	5.72	 
	38
	 	 	0.74	 	 	 	0.94	 	 	 	1.29	 	 	 	1.55	 	 	 	1.78	 	 	 	2.01	 	 	 	2.27	 	 	 	2.52	 	 	 	2.84	 	 	 	3.16	 	 	 	3.52	 	 	 	3.96	 	 	 	4.49	 	 	 	5.06	 	 	 	5.64	 	 	 	6.31	 
	39
	 	 	0.78	 	 	 	1.00	 	 	 	1.40	 	 	 	1.68	 	 	 	1.93	 	 	 	2.18	 	 	 	2.45	 	 	 	2.72	 	 	 	3.06	 	 	 	3.41	 	 	 	3.82	 	 	 	4.31	 	 	 	4.92	 	 	 	5.57	 	 	 	6.22	 	 	 	6.94	 
	40
	 	 	0.83	 	 	 	1.09	 	 	 	1.53	 	 	 	1.83	 	 	 	2.11	 	 	 	2.36	 	 	 	2.65	 	 	 	2.93	 	 	 	3.27	 	 	 	3.67	 	 	 	4.12	 	 	 	4.69	 	 	 	5.39	 	 	 	6.13	 	 	 	6.82	 	 	 	7.64	 
	41
	 	 	0.89	 	 	 	1.20	 	 	 	1.68	 	 	 	2.01	 	 	 	2.29	 	 	 	2.56	 	 	 	2.86	 	 	 	3.14	 	 	 	3.49	 	 	 	3.92	 	 	 	4.45	 	 	 	5.09	 	 	 	5.90	 	 	 	6.72	 	 	 	7.50	 	 	 	8.42	 
	42
	 	 	0.97	 	 	 	1.32	 	 	 	1.86	 	 	 	2.21	 	 	 	2.50	 	 	 	2.77	 	 	 	3.06	 	 	 	3.35	 	 	 	3.70	 	 	 	4.18	 	 	 	4.79	 	 	 	5.53	 	 	 	6.44	 	 	 	7.38	 	 	 	8.25	 	 	 	9.28	 
	43
	 	 	1.05	 	 	 	1.46	 	 	 	2.02	 	 	 	2.41	 	 	 	2.74	 	 	 	3.04	 	 	 	3.35	 	 	 	3.66	 	 	 	4.03	 	 	 	4.55	 	 	 	5.21	 	 	 	5.99	 	 	 	6.96	 	 	 	7.97	 	 	 	8.93	 	 	 	10.24	 
	44
	 	 	1.14	 	 	 	1.62	 	 	 	2.20	 	 	 	2.63	 	 	 	2.98	 	 	 	3.32	 	 	 	3.66	 	 	 	3.98	 	 	 	4.39	 	 	 	4.94	 	 	 	5.66	 	 	 	6.50	 	 	 	7.54	 	 	 	8.60	 	 	 	9.67	 	 	 	11.32	 
	45
	 	 	1.23	 	 	 	1.81	 	 	 	2.39	 	 	 	2.85	 	 	 	3.24	 	 	 	3.61	 	 	 	3.98	 	 	 	4.34	 	 	 	4.77	 	 	 	5.35	 	 	 	6.15	 	 	 	7.06	 	 	 	8.16	 	 	 	9.30	 	 	 	10.49	 	 	 	12.53	 
	46
	 	 	1.33	 	 	 	2.00	 	 	 	2.58	 	 	 	3.08	 	 	 	3.51	 	 	 	3.92	 	 	 	4.34	 	 	 	4.73	 	 	 	5.17	 	 	 	5.80	 	 	 	6.68	 	 	 	7.66	 	 	 	8.83	 	 	 	10.06	 	 	 	11.39	 	 	 	13.87	 
	47
	 	 	1.44	 	 	 	2.21	 	 	 	2.77	 	 	 	3.31	 	 	 	3.79	 	 	 	4.26	 	 	 	4.73	 	 	 	5.12	 	 	 	5.61	 	 	 	6.29	 	 	 	7.26	 	 	 	8.32	 	 	 	9.58	 	 	 	10.89	 	 	 	12.36	 	 	 	15.32	 
	48
	 	 	1.55	 	 	 	2.32	 	 	 	2.90	 	 	 	3.48	 	 	 	4.02	 	 	 	4.53	 	 	 	5.06	 	 	 	5.54	 	 	 	6.13	 	 	 	6.89	 	 	 	8.04	 	 	 	9.23	 	 	 	10.57	 	 	 	11.94	 	 	 	13.41	 	 	 	16.89	 
	49
	 	 	1.66	 	 	 	2.42	 	 	 	3.03	 	 	 	3.64	 	 	 	4.24	 	 	 	4.81	 	 	 	5.41	 	 	 	5.99	 	 	 	6.69	 	 	 	7.55	 	 	 	8.91	 	 	 	10.26	 	 	 	11.67	 	 	 	13.06	 	 	 	14.53	 	 	 	18.61	 
	50
	 	 	1.77	 	 	 	2.51	 	 	 	3.15	 	 	 	3.80	 	 	 	4.46	 	 	 	5.09	 	 	 	5.78	 	 	 	6.48	 	 	 	7.31	 	 	 	8.30	 	 	 	9.90	 	 	 	11.41	 	 	 	12.85	 	 	 	14.25	 	 	 	15.72	 	 	 	20.49	 
	51
	 	 	1.88	 	 	 	2.59	 	 	 	3.26	 	 	 	3.94	 	 	 	4.69	 	 	 	5.39	 	 	 	6.18	 	 	 	7.02	 	 	 	8.01	 	 	 	9.13	 	 	 	10.99	 	 	 	12.65	 	 	 	14.12	 	 	 	15.54	 	 	 	16.98	 	 	 	22.56	 
	52
	 	 	1.99	 	 	 	2.66	 	 	 	3.35	 	 	 	4.08	 	 	 	4.92	 	 	 	5.70	 	 	 	6.60	 	 	 	7.61	 	 	 	8.78	 	 	 	10.04	 	 	 	12.18	 	 	 	14.00	 	 	 	15.51	 	 	 	16.94	 	 	 	18.35	 	 	 	24.85	 
	53
	 	 	2.15	 	 	 	2.89	 	 	 	3.66	 	 	 	4.47	 	 	 	5.38	 	 	 	6.22	 	 	 	7.22	 	 	 	8.32	 	 	 	9.57	 	 	 	10.98	 	 	 	13.29	 	 	 	15.31	 	 	 	16.94	 	 	 	18.35	 	 	 	20.53	 	 	 	27.37	 
	54
	 	 	2.31	 	 	 	3.13	 	 	 	4.00	 	 	 	4.90	 	 	 	5.89	 	 	 	6.81	 	 	 	7.90	 	 	 	9.09	 	 	 	10.42	 	 	 	11.98	 	 	 	14.48	 	 	 	16.73	 	 	 	18.35	 	 	 	20.53	 	 	 	22.96	 	 	 	30.13	 
	55
	 	 	2.49	 	 	 	3.40	 	 	 	4.37	 	 	 	5.37	 	 	 	6.47	 	 	 	7.46	 	 	 	8.65	 	 	 	9.91	 	 	 	11.31	 	 	 	13.06	 	 	 	15.77	 	 	 	18.29	 	 	 	20.53	 	 	 	22.85	 	 	 	25.67	 	 	 	33.13	 
	56
	 	 	2.68	 	 	 	3.70	 	 	 	4.78	 	 	 	5.91	 	 	 	7.10	 	 	 	8.16	 	 	 	9.44	 	 	 	10.78	 	 	 	12.26	 	 	 	14.23	 	 	 	17.18	 	 	 	19.99	 	 	 	22.70	 	 	 	25.23	 	 	 	28.65	 	 	 	36.34	 
	57
	 	 	2.89	 	 	 	4.02	 	 	 	5.24	 	 	 	6.50	 	 	 	7.80	 	 	 	8.92	 	 	 	10.29	 	 	 	11.72	 	 	 	13.29	 	 	 	15.50	 	 	 	18.71	 	 	 	21.85	 	 	 	24.96	 	 	 	27.83	 	 	 	31.89	 	 	 	39.80	 
	58
	 	 	3.05	 	 	 	4.30	 	 	 	5.78	 	 	 	7.12	 	 	 	8.58	 	 	 	9.62	 	 	 	11.05	 	 	 	12.58	 	 	 	14.24	 	 	 	16.56	 	 	 	19.88	 	 	 	23.10	 	 	 	26.39	 	 	 	29.47	 	 	 	33.93	 	 	 	43.57	 
	59
	 	 	3.22	 	 	 	4.60	 	 	 	6.37	 	 	 	7.78	 	 	 	9.42	 	 	 	10.36	 	 	 	11.84	 	 	 	13.48	 	 	 	15.26	 	 	 	17.68	 	 	 	21.09	 	 	 	24.35	 	 	 	27.80	 	 	 	31.11	 	 	 	36.05	 	 	 	47.72	 
	60
	 	 	3.40	 	 	 	4.91	 	 	 	7.01	 	 	 	8.49	 	 	 	10.34	 	 	 	11.15	 	 	 	12.69	 	 	 	14.45	 	 	 	16.34	 	 	 	18.85	 	 	 	22.31	 	 	 	25.55	 	 	 	29.18	 	 	 	32.79	 	 	 	38.29	 	 	 	52.31	 
	61
	 	 	3.57	 	 	 	5.22	 	 	 	7.69	 	 	 	9.25	 	 	 	11.15	 	 	 	12.44	 	 	 	13.59	 	 	 	15.48	 	 	 	17.47	 	 	 	20.04	 	 	 	23.51	 	 	 	26.72	 	 	 	30.56	 	 	 	34.52	 	 	 	40.66	 	 	 	57.37	 
	62
	 	 	3.74	 	 	 	5.54	 	 	 	8.44	 	 	 	10.07	 	 	 	12.44	 	 	 	12.89	 	 	 	14.54	 	 	 	16.56	 	 	 	18.64	 	 	 	21.24	 	 	 	24.70	 	 	 	27.87	 	 	 	31.96	 	 	 	36.31	 	 	 	43.15	 	 	 	62.94	 
	63
	 	 	4.15	 	 	 	6.18	 	 	 	9.21	 	 	 	11.19	 	 	 	12.89	 	 	 	14.50	 	 	 	16.42	 	 	 	18.63	 	 	 	21.03	 	 	 	23.56	 	 	 	27.15	 	 	 	30.60	 	 	 	35.16	 	 	 	40.29	 	 	 	47.22	 	 	 	69.02	 
	64
	 	 	4.59	 	 	 	S.88	 	 	 	10.04	 	 	 	12.43	 	 	 	14.50	 	 	 	16.29	 	 	 	18.52	 	 	 	20.91	 	 	 	23.56	 	 	 	26.17	 	 	 	29.85	 	 	 	33.67	 	 	 	38.70	 	 	 	44.72	 	 	 	51.64	 	 	 	75.60	 
	65
	 	 	5.08	 	 	 	7.66	 	 	 	10.96	 	 	 	13.82	 	 	 	16.29	 	 	 	18.27	 	 	 	20.82	 	 	 	23.41	 	 	 	26.17	 	 	 	29.29	 	 	 	33.67	 	 	 	36.95	 	 	 	42.60	 	 	 	49.60	 	 	 	56.42	 	 	 	82.69	 
	66
	 	 	5.63	 	 	 	8.53	 	 	 	11.96	 	 	 	15.34	 	 	 	18.27	 	 	 	20.62	 	 	 	23.35	 	 	 	26.17	 	 	 	29.29	 	 	 	33.67	 	 	 	36.18	 	 	 	40.63	 	 	 	46.88	 	 	 	54.95	 	 	 	61.55	 	 	 	90.24	 
	67
	 	 	6.23	 	 	 	9.50	 	 	 	13.04	 	 	 	17.02	 	 	 	20.62	 	 	 	22.82	 	 	 	26.17	 	 	 	29.29	 	 	 	33.67	 	 	 	35.69	 	 	 	39.85	 	 	 	44.66	 	 	 	51.53	 	 	 	60.78	 	 	 	66.99	 	 	 	98.24	 
	68
	 	 	6.86	 	 	 	10.46	 	 	 	14.34	 	 	 	18.67	 	 	 	22.58	 	 	 	24.98	 	 	 	28.66	 	 	 	32.11	 	 	 	35.69	 	 	 	39.16	 	 	 	43.70	 	 	 	48.92	 	 	 	56.36	 	 	 	66.33	 	 	 	72.93	 	 	 	106.88	 
	69
	 	 	7.55	 	 	 	11.50	 	 	 	15.73	 	 	 	20.45	 	 	 	24.72	 	 	 	27.36	 	 	 	31.42	 	 	 	35.21	 	 	 	39.16	 	 	 	42.94	 	 	 	47.87	 	 	 	53.51	 	 	 	61.51	 	 	 	72.21	 	 	 	79.34	 	 	 	116.36	 
	70
	 	 	8.31	 	 	 	12.61	 	 	 	17.23	 	 	 	22.38	 	 	 	27.08	 	 	 	29.99	 	 	 	34.46	 	 	 	38.63	 	 	 	42.94	 	 	 	47.03	 	 	 	52.35	 	 	 	58.39	 	 	 	66.96	 	 	 	78.56	 	 	 	86.38	 	 	 	126.68	 
	71
	 	 	9.12	 	 	 	13.81	 	 	 	18.86	 	 	 	24.51	 	 	 	29.68	 	 	 	32.89	 	 	 	37.81	 	 	 	42.36	 	 	 	47.03	 	 	 	51.90	 	 	 	57.13	 	 	 	63.57	 	 	 	72.85	 	 	 	85.53	 	 	 	99.48	 	 	 	137.84	 

 

 

75-80 Basic Table

Male ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	72
	 	 	9.98	 	 	 	15.12	 	 	 	20.66	 	 	 	26.87	 	 	 	32.56	 	 	 	36.08	 	 	 	41.46	 	 	 	46.40	 	 	 	51.44	 	 	 	56.64	 	 	 	62.19	 	 	 	69.16	 	 	 	79.31	 	 	 	97.91	 	 	 	114.16	 	 	 	149.84	 
	73
	 	 	10.93	 	 	 	16.56	 	 	 	22.65	 	 	 	29.47	 	 	 	35.72	 	 	 	39.57	 	 	 	45.41	 	 	 	50.75	 	 	 	56.14	 	 	 	61.66	 	 	 	67.66	 	 	 	75.29	 	 	 	86.34	 	 	 	111.75	 	 	 	130.54	 	 	 	162.59	 
	74
	 	 	11.97	 	 	 	18.15	 	 	 	24.84	 	 	 	32.33	 	 	 	39.17	 	 	 	43.34	 	 	 	49.67	 	 	 	55.39	 	 	 	61.12	 	 	 	67.08	 	 	 	73.67	 	 	 	81.97	 	 	 	100.22	 	 	 	127.15	 	 	 	148.63	 	 	 	175.87	 
	75
	 	 	13.12	 	 	 	19.91	 	 	 	27.25	 	 	 	35.45	 	 	 	42.90	 	 	 	47.41	 	 	 	54.20	 	 	 	60.30	 	 	 	66.49	 	 	 	73.03	 	 	 	80.20	 	 	 	95.27	 	 	 	115.76	 	 	 	144.13	 	 	 	168.32	 	 	 	189.57	 
	76
	 	 	14.39	 	 	 	21.84	 	 	 	29.88	 	 	 	38.83	 	 	 	46.92	 	 	 	51.74	 	 	 	59.01	 	 	 	65.60	 	 	 	72.39	 	 	 	79.51	 	 	 	92.88	 	 	 	110.18	 	 	 	133.00	 	 	 	162.56	 	 	 	189.57	 	 	 	203.69	 
	77
	 	 	15.79	 	 	 	23.95	 	 	 	32.73	 	 	 	42.47	 	 	 	51.21	 	 	 	56.32	 	 	 	64.20	 	 	 	71.42	 	 	 	78.81	 	 	 	86.51	 	 	 	107.08	 	 	 	126.73	 	 	 	151.87	 	 	 	182.39	 	 	 	203.69	 	 	 	218.23	 
	78
	 	 	17.31	 	 	 	26.23	 	 	 	35.80	 	 	 	46.35	 	 	 	55.75	 	 	 	61.28	 	 	 	69.89	 	 	 	77.75	 	 	 	85.76	 	 	 	100.24	 	 	 	122.82	 	 	 	144.83	 	 	 	172.32	 	 	 	203.69	 	 	 	218.23	 	 	 	233.19	 
	79
	 	 	18.96	 	 	 	28.69	 	 	 	39.07	 	 	 	50.46	 	 	 	60.65	 	 	 	66.71	 	 	 	76.09	 	 	 	84.60	 	 	 	98.89	 	 	 	115.50	 	 	 	140.02	 	 	 	164.48	 	 	 	194.42	 	 	 	218.23	 	 	 	233.19	 	 	 	248.57	 
	80
	 	 	20.74	 	 	 	31.31	 	 	 	42.53	 	 	 	54.90	 	 	 	66.03	 	 	 	72.63	 	 	 	84.26	 	 	 	97.23	 	 	 	113.44	 	 	 	132.21	 	 	 	158.66	 	 	 	185.72	 	 	 	218.23	 	 	 	233.19	 	 	 	248.57	 	 	 	264.37	 
	81
	 	 	22.63	 	 	 	34.09	 	 	 	46.27	 	 	 	59.77	 	 	 	71.89	 	 	 	83.93	 	 	 	96.90	 	 	 	111.21	 	 	 	129.36	 	 	 	150.35	 	 	 	178.78	 	 	 	208.60	 	 	 	233.19	 	 	 	248.57	 	 	 	264.37	 	 	 	280.59	 
	82
	 	 	24.64	 	 	 	37.09	 	 	 	50.37	 	 	 	69.81	 	 	 	83.19	 	 	 	96.56	 	 	 	110.88	 	 	 	126.47	 	 	 	146.59	 	 	 	169.98	 	 	 	200.44	 	 	 	233.19	 	 	 	248.57	 	 	 	264.37	 	 	 	280.59	 	 	 	297.23	 
	83
	 	 	26.81	 	 	 	45.81	 	 	 	60.36	 	 	 	81.12	 	 	 	95.83	 	 	 	110.56	 	 	 	126.16	 	 	 	142.98	 	 	 	165.21	 	 	 	191.14	 	 	 	223.68	 	 	 	248.57	 	 	 	264.37	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 
	84
	 	 	35.41	 	 	 	55.78	 	 	 	71.69	 	 	 	93.78	 	 	 	109.85	 	 	 	125.84	 	 	 	142.68	 	 	 	160.78	 	 	 	185.25	 	 	 	213.89	 	 	 	248.57	 	 	 	264.37	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 
	85
	 	 	45.33	 	 	 	67.12	 	 	 	84.47	 	 	 	107.85	 	 	 	125.16	 	 	 	142.39	 	 	 	160.51	 	 	 	179.92	 	 	 	206.76	 	 	 	238.29	 	 	 	264.37	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 
	86
	 	 	56.70	 	 	 	79.95	 	 	 	98.75	 	 	 	123.24	 	 	 	141.74	 	 	 	160.24	 	 	 	179.67	 	 	 	200.44	 	 	 	229.79	 	 	 	264.37	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 
	87
	 	 	69.66	 	 	 	94.34	 	 	 	114.49	 	 	 	139.93	 	 	 	159.64	 	 	 	179.43	 	 	 	200.23	 	 	 	222.39	 	 	 	254.38	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 
	88
	 	 	84.29	 	 	 	110.25	 	 	 	131.68	 	 	 	157.97	 	 	 	178.90	 	 	 	200.03	 	 	 	222.22	 	 	 	245.80	 	 	 	280.59	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 
	89
	 	 	100.58	 	 	 	127.68	 	 	 	150.37	 	 	 	177.41	 	 	 	199.57	 	 	 	222.06	 	 	 	245.69	 	 	 	270.74	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 
	90
	 	 	118.56	 	 	 	146.69	 	 	 	170.63	 	 	 	198.30	 	 	 	221.69	 	 	 	245.57	 	 	 	270.68	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 
	91
	 	 	138.29	 	 	 	167.34	 	 	 	192.50	 	 	 	220.67	 	 	 	245.31	 	 	 	270.61	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 
	92
	 	 	159.84	 	 	 	189.69	 	 	 	216.04	 	 	 	244.59	 	 	 	270.48	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 
	93
	 	 	183.28	 	 	 	213.79	 	 	 	241.30	 	 	 	270.09	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 
	94
	 	 	208.67	 	 	 	239.71	 	 	 	268.35	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 
	95
	 	 	236.08	 	 	 	267.50	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 	 	 	999.99	 
	96
	 	 	265.58	 	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 	 	 	999.99	 	 	 	999.99	 
	97
	 	 	297.23	 	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 
	98
	 	 	314.29	 	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 
	99
	 	 	331.77	 	 	 	347.75	 	 	 	370.11	 	 	 	397.87	 	 	 	431.97	 	 	 	473.61	 	 	 	524.33	 	 	 	586.10	 	 	 	661.41	 	 	 	753.48	 	 	 	866.43	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 

 

 

75-80 Basic Table

Female ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	0
	 	 	0.84	 	 	 	0.33	 	 	 	0.30	 	 	 	0.27	 	 	 	0.24	 	 	 	0.22	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 
	1
	 	 	0.32	 	 	 	0.29	 	 	 	0.26	 	 	 	0.23	 	 	 	0.22	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.42	 
	2
	 	 	0.27	 	 	 	0.26	 	 	 	0.23	 	 	 	0.22	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.42	 	 	 	0.46	 
	3
	 	 	0.23	 	 	 	0.23	 	 	 	0.22	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.48	 
	4
	 	 	0.21	 	 	 	0.21	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.48	 	 	 	0.50	 
	5
	 	 	0.20	 	 	 	0.20	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.48	 	 	 	0.49	 	 	 	0.52	 
	6
	 	 	0.18	 	 	 	0.18	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.48	 	 	 	0.49	 	 	 	0.51	 	 	 	0.53	 
	7
	 	 	0.17	 	 	 	0.19	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.48	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 
	8
	 	 	0.17	 	 	 	0.19	 	 	 	0.21	 	 	 	0.23	 	 	 	0.26	 	 	 	0.29	 	 	 	0.34	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.47	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 
	9
	 	 	0.17	 	 	 	0.21	 	 	 	0.23	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.38	 	 	 	0.41	 	 	 	0.45	 	 	 	0.47	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 
	10
	 	 	0.18	 	 	 	0.23	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.37	 	 	 	0.41	 	 	 	0.45	 	 	 	0.47	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 
	11
	 	 	0.18	 	 	 	0.25	 	 	 	0.28	 	 	 	0.33	 	 	 	0.37	 	 	 	0.41	 	 	 	0.45	 	 	 	0.47	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 
	12
	 	 	0.20	 	 	 	0.28	 	 	 	0.33	 	 	 	0.36	 	 	 	0.40	 	 	 	0.44	 	 	 	0.47	 	 	 	0.49	 	 	 	0.51	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.54	 	 	 	0.53	 
	13
	 	 	0.22	 	 	 	0.32	 	 	 	0.35	 	 	 	0.38	 	 	 	0.42	 	 	 	0.44	 	 	 	0.47	 	 	 	0.49	 	 	 	0.52	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.54	 	 	 	0.54	 
	14
	 	 	0.26	 	 	 	0.34	 	 	 	0.38	 	 	 	0.40	 	 	 	0.42	 	 	 	0.45	 	 	 	0.47	 	 	 	0.49	 	 	 	0.52	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.54	 	 	 	0.54	 	 	 	0.55	 
	15
	 	 	0.30	 	 	 	0.36	 	 	 	0.39	 	 	 	0.40	 	 	 	0.42	 	 	 	0.45	 	 	 	0.47	 	 	 	0.47	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.53	 	 	 	0.54	 	 	 	0.54	 	 	 	0.56	 	 	 	0.57	 
	16
	 	 	0.33	 	 	 	0.37	 	 	 	0.39	 	 	 	0.40	 	 	 	0.42	 	 	 	0.44	 	 	 	0.45	 	 	 	0.46	 	 	 	0.52	 	 	 	0.53	 	 	 	0.53	 	 	 	0.54	 	 	 	0.54	 	 	 	0.56	 	 	 	0.57	 	 	 	0.60	 
	17
	 	 	0.36	 	 	 	0.37	 	 	 	0.39	 	 	 	0.40	 	 	 	0.41	 	 	 	0.42	 	 	 	0.43	 	 	 	0.44	 	 	 	0.52	 	 	 	0.53	 	 	 	0.54	 	 	 	0.54	 	 	 	0.56	 	 	 	0.57	 	 	 	0.61	 	 	 	0.63	 
	18
	 	 	0.36	 	 	 	0.37	 	 	 	0.40	 	 	 	0.40	 	 	 	0.41	 	 	 	0.42	 	 	 	0.43	 	 	 	0.44	 	 	 	0.51	 	 	 	0.52	 	 	 	0.54	 	 	 	0.55	 	 	 	0.57	 	 	 	0.60	 	 	 	0.64	 	 	 	0.68	 
	19
	 	 	0.36	 	 	 	0.37	 	 	 	0.40	 	 	 	0.40	 	 	 	0.41	 	 	 	0.42	 	 	 	0.43	 	 	 	0.45	 	 	 	0.49	 	 	 	0.51	 	 	 	0.55	 	 	 	0.57	 	 	 	0.60	 	 	 	0.64	 	 	 	0.69	 	 	 	0.74	 
	20
	 	 	0.35	 	 	 	0.37	 	 	 	0.39	 	 	 	0.40	 	 	 	0.41	 	 	 	0.42	 	 	 	0.44	 	 	 	0.45	 	 	 	0.48	 	 	 	0.51	 	 	 	0.57	 	 	 	0.60	 	 	 	0.64	 	 	 	0.69	 	 	 	0.75	 	 	 	0.81	 
	21
	 	 	0.34	 	 	 	0.35	 	 	 	0.38	 	 	 	0.39	 	 	 	0.41	 	 	 	0.42	 	 	 	0.44	 	 	 	0.46	 	 	 	0.48	 	 	 	0.52	 	 	 	0.60	 	 	 	0.64	 	 	 	0.69	 	 	 	0.75	 	 	 	0.82	 	 	 	0.89	 
	22
	 	 	0.32	 	 	 	0.34	 	 	 	0.37	 	 	 	0.39	 	 	 	0.41	 	 	 	0.42	 	 	 	0.45	 	 	 	0.47	 	 	 	0.48	 	 	 	0.53	 	 	 	0.64	 	 	 	0.69	 	 	 	0.75	 	 	 	0.82	 	 	 	0.90	 	 	 	0.98	 
	23
	 	 	0.32	 	 	 	0.34	 	 	 	0.38	 	 	 	0.40	 	 	 	0.42	 	 	 	0.44	 	 	 	0.47	 	 	 	0.48	 	 	 	0.53	 	 	 	0.58	 	 	 	0.69	 	 	 	0.75	 	 	 	0.82	 	 	 	0.90	 	 	 	1.00	 	 	 	1.09	 
	24
	 	 	0.32	 	 	 	0.35	 	 	 	0.38	 	 	 	0.41	 	 	 	0.44	 	 	 	0.46	 	 	 	0.48	 	 	 	0.53	 	 	 	0.58	 	 	 	0.63	 	 	 	0.75	 	 	 	0.82	 	 	 	0.90	 	 	 	1.00	 	 	 	1.11	 	 	 	1.22	 
	25
	 	 	0.31	 	 	 	0.35	 	 	 	0.39	 	 	 	0.43	 	 	 	0.46	 	 	 	0.48	 	 	 	0.53	 	 	 	0.58	 	 	 	0.63	 	 	 	0.68	 	 	 	0.82	 	 	 	0.90	 	 	 	1.00	 	 	 	1.11	 	 	 	1.23	 	 	 	1.37	 
	26
	 	 	0.31	 	 	 	0.35	 	 	 	0.41	 	 	 	0.44	 	 	 	0.48	 	 	 	0.53	 	 	 	0.58	 	 	 	0.63	 	 	 	0.68	 	 	 	0.74	 	 	 	0.90	 	 	 	1.00	 	 	 	1.11	 	 	 	1.23	 	 	 	1.38	 	 	 	1.54	 
	27
	 	 	0.31	 	 	 	0.36	 	 	 	0.42	 	 	 	0.47	 	 	 	0.53	 	 	 	0.58	 	 	 	0.63	 	 	 	0.68	 	 	 	0.71	 	 	 	0.82	 	 	 	1.00	 	 	 	1.11	 	 	 	1.23	 	 	 	1.38	 	 	 	1.54	 	 	 	1.71	 
	28
	 	 	0.32	 	 	 	0.37	 	 	 	0.43	 	 	 	0.50	 	 	 	0.56	 	 	 	0.63	 	 	 	0.68	 	 	 	0.71	 	 	 	0.80	 	 	 	0.91	 	 	 	1.11	 	 	 	1.23	 	 	 	1.38	 	 	 	1.54	 	 	 	1.71	 	 	 	1.88	 
	29
	 	 	0.33	 	 	 	0.38	 	 	 	0.46	 	 	 	0.52	 	 	 	0.60	 	 	 	0.68	 	 	 	0.71	 	 	 	0.80	 	 	 	0.91	 	 	 	1.03	 	 	 	1.23	 	 	 	1.38	 	 	 	1.54	 	 	 	1.71	 	 	 	1.88	 	 	 	2.05	 
	30
	 	 	0.35	 	 	 	0.40	 	 	 	0.48	 	 	 	0.57	 	 	 	0.66	 	 	 	0.71	 	 	 	0.80	 	 	 	0.91	 	 	 	1.03	 	 	 	1.15	 	 	 	1.38	 	 	 	1.54	 	 	 	1.71	 	 	 	1.88	 	 	 	2.05	 	 	 	2.24	 
	31
	 	 	0.37	 	 	 	0.42	 	 	 	0.52	 	 	 	0.62	 	 	 	0.71	 	 	 	0.80	 	 	 	0.91	 	 	 	1.03	 	 	 	1.15	 	 	 	1.27	 	 	 	1.54	 	 	 	1.71	 	 	 	1.88	 	 	 	2.05	 	 	 	2.24	 	 	 	2.43	 
	32
	 	 	0.39	 	 	 	0.45	 	 	 	0.56	 	 	 	0.68	 	 	 	0.80	 	 	 	0.91	 	 	 	1.03	 	 	 	1.15	 	 	 	1.27	 	 	 	1.40	 	 	 	1.70	 	 	 	1.87	 	 	 	2.05	 	 	 	2.24	 	 	 	2.44	 	 	 	2.62	 
	33
	 	 	0.41	 	 	 	0.48	 	 	 	0.59	 	 	 	0.73	 	 	 	0.86	 	 	 	0.99	 	 	 	1.14	 	 	 	1.27	 	 	 	1.40	 	 	 	1.56	 	 	 	1.85	 	 	 	2.02	 	 	 	2.22	 	 	 	2.43	 	 	 	2.62	 	 	 	2.83	 
	34
	 	 	0.43	 	 	 	0.51	 	 	 	0.63	 	 	 	0.77	 	 	 	0.93	 	 	 	1.09	 	 	 	1.25	 	 	 	1.40	 	 	 	1.56	 	 	 	1.73	 	 	 	2.00	 	 	 	2.19	 	 	 	2.39	 	 	 	2.62	 	 	 	2.83	 	 	 	3.05	 
	35
	 	 	0.45	 	 	 	0.54	 	 	 	0.66	 	 	 	0.83	 	 	 	1.01	 	 	 	1.20	 	 	 	1.39	 	 	 	1.56	 	 	 	1.73	 	 	 	1.90	 	 	 	2.17	 	 	 	2.36	 	 	 	2.56	 	 	 	2.82	 	 	 	3.05	 	 	 	3.30	 

 

 

75-80 Basic Table

Female ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	36
	 	 	0.47	 	 	 	0.58	 	 	 	0.71	 	 	 	0.90	 	 	 	1.10	 	 	 	1.32	 	 	 	1.52	 	 	 	1.71	 	 	 	1.90	 	 	 	2.09	 	 	 	2.33	 	 	 	2.53	 	 	 	2.75	 	 	 	3.04	 	 	 	3.30	 	 	 	3.57	 
	37
	 	 	0.50	 	 	 	0.62	 	 	 	0.76	 	 	 	0.98	 	 	 	1.20	 	 	 	1.43	 	 	 	1.64	 	 	 	1.85	 	 	 	2.07	 	 	 	2.28	 	 	 	2.49	 	 	 	2.71	 	 	 	2.94	 	 	 	3.29	 	 	 	3.57	 	 	 	3.88	 
	38
	 	 	0.54	 	 	 	0.69	 	 	 	0.85	 	 	 	1.10	 	 	 	1.33	 	 	 	1.57	 	 	 	1.78	 	 	 	2.01	 	 	 	2.23	 	 	 	2.44	 	 	 	2.67	 	 	 	2.89	 	 	 	3.15	 	 	 	3.53	 	 	 	3.84	 	 	 	4.22	 
	39
	 	 	0.58	 	 	 	0.76	 	 	 	0.95	 	 	 	1.22	 	 	 	1.45	 	 	 	1.70	 	 	 	1.93	 	 	 	2.17	 	 	 	2.39	 	 	 	2.62	 	 	 	2.85	 	 	 	3.10	 	 	 	3.37	 	 	 	3.80	 	 	 	4.13	 	 	 	4.60	 
	40
	 	 	0.63	 	 	 	0.85	 	 	 	1.05	 	 	 	1.33	 	 	 	1.58	 	 	 	1.86	 	 	 	2.08	 	 	 	2.32	 	 	 	2.56	 	 	 	2.80	 	 	 	3.06	 	 	 	3.33	 	 	 	3.62	 	 	 	4.10	 	 	 	4.46	 	 	 	5.02	 
	41
	 	 	0.68	 	 	 	0.94	 	 	 	1.15	 	 	 	1.45	 	 	 	1.71	 	 	 	2.01	 	 	 	2.23	 	 	 	2.49	 	 	 	2.74	 	 	 	3.01	 	 	 	3.28	 	 	 	3.58	 	 	 	3.90	 	 	 	4.44	 	 	 	4.81	 	 	 	5.47	 
	42
	 	 	0.73	 	 	 	1.02	 	 	 	1.25	 	 	 	1.58	 	 	 	1.85	 	 	 	2.16	 	 	 	2.40	 	 	 	2.67	 	 	 	2.94	 	 	 	3.23	 	 	 	3.53	 	 	 	3.86	 	 	 	4.20	 	 	 	4.80	 	 	 	5.19	 	 	 	5.96	 
	43
	 	 	0.78	 	 	 	1.09	 	 	 	1.35	 	 	 	1.67	 	 	 	1.95	 	 	 	2.27	 	 	 	2.53	 	 	 	2.83	 	 	 	3.13	 	 	 	3.46	 	 	 	3.79	 	 	 	4.16	 	 	 	4.54	 	 	 	5.19	 	 	 	5.62	 	 	 	6.50	 
	44
	 	 	0.83	 	 	 	1.16	 	 	 	1.44	 	 	 	1.74	 	 	 	2.06	 	 	 	2.37	 	 	 	2.67	 	 	 	3.01	 	 	 	3.34	 	 	 	3.70	 	 	 	4.08	 	 	 	4.49	 	 	 	4.89	 	 	 	5.61	 	 	 	6.09	 	 	 	7.08	 
	45
	 	 	0.89	 	 	 	1.23	 	 	 	1.53	 	 	 	1.83	 	 	 	2.16	 	 	 	2.49	 	 	 	2.83	 	 	 	3.20	 	 	 	3.57	 	 	 	3.97	 	 	 	4.39	 	 	 	4.83	 	 	 	5.28	 	 	 	6.07	 	 	 	6.60	 	 	 	7.69	 
	46
	 	 	0.93	 	 	 	1.30	 	 	 	1.62	 	 	 	1.91	 	 	 	2.28	 	 	 	2.61	 	 	 	3.00	 	 	 	3.41	 	 	 	3.82	 	 	 	4.26	 	 	 	4.72	 	 	 	5.20	 	 	 	5.70	 	 	 	6.55	 	 	 	7.12	 	 	 	8.34	 
	47
	 	 	0.98	 	 	 	1.37	 	 	 	1.72	 	 	 	2.00	 	 	 	2.41	 	 	 	2.75	 	 	 	3.18	 	 	 	3.64	 	 	 	4.09	 	 	 	4.57	 	 	 	5.07	 	 	 	5.60	 	 	 	6.14	 	 	 	7.06	 	 	 	7.68	 	 	 	9.03	 
	48
	 	 	1.03	 	 	 	1.43	 	 	 	1.80	 	 	 	2.10	 	 	 	2.54	 	 	 	2.92	 	 	 	3.40	 	 	 	3.91	 	 	 	4.36	 	 	 	4.87	 	 	 	5.41	 	 	 	5.97	 	 	 	6.53	 	 	 	7.50	 	 	 	8.14	 	 	 	9.77	 
	49
	 	 	1.07	 	 	 	1.50	 	 	 	1.88	 	 	 	2.21	 	 	 	2.68	 	 	 	3.11	 	 	 	3.64	 	 	 	4.20	 	 	 	4.65	 	 	 	5.20	 	 	 	5.77	 	 	 	6.35	 	 	 	6.94	 	 	 	7.94	 	 	 	8.61	 	 	 	10.57	 
	50
	 	 	1.12	 	 	 	1.56	 	 	 	1.97	 	 	 	2.32	 	 	 	2.82	 	 	 	3.32	 	 	 	3.89	 	 	 	4.51	 	 	 	4.96	 	 	 	5.54	 	 	 	6.13	 	 	 	6.74	 	 	 	7.36	 	 	 	8.41	 	 	 	9.10	 	 	 	11.45	 
	51
	 	 	1.17	 	 	 	1.64	 	 	 	2.07	 	 	 	2.44	 	 	 	2.98	 	 	 	3.53	 	 	 	4.15	 	 	 	4.84	 	 	 	5.28	 	 	 	5.88	 	 	 	6.50	 	 	 	7.14	 	 	 	7.79	 	 	 	8.89	 	 	 	9.63	 	 	 	12.42	 
	52
	 	 	1.23	 	 	 	1.72	 	 	 	2.17	 	 	 	2.57	 	 	 	3.13	 	 	 	3.75	 	 	 	4.43	 	 	 	5.19	 	 	 	5.60	 	 	 	6.23	 	 	 	6.88	 	 	 	7.55	 	 	 	8.24	 	 	 	9.41	 	 	 	10.20	 	 	 	13.48	 
	53
	 	 	1.29	 	 	 	1.81	 	 	 	2.30	 	 	 	2.76	 	 	 	3.36	 	 	 	4.02	 	 	 	4.73	 	 	 	5.51	 	 	 	5.98	 	 	 	6.63	 	 	 	7.33	 	 	 	8.06	 	 	 	8.84	 	 	 	10.14	 	 	 	11.03	 	 	 	14.64	 
	54
	 	 	1.36	 	 	 	1.91	 	 	 	2.44	 	 	 	2.96	 	 	 	3.61	 	 	 	4.31	 	 	 	5.04	 	 	 	5.83	 	 	 	6.37	 	 	 	7.06	 	 	 	7.81	 	 	 	8.62	 	 	 	9.49	 	 	 	10.93	 	 	 	11.94	 	 	 	15.94	 
	55
	 	 	1.43	 	 	 	2.01	 	 	 	2.58	 	 	 	3.18	 	 	 	3.87	 	 	 	4.60	 	 	 	5.36	 	 	 	6.16	 	 	 	6.78	 	 	 	7.50	 	 	 	8.33	 	 	 	9.23	 	 	 	10.20	 	 	 	11.80	 	 	 	12.96	 	 	 	17.42	 
	56
	 	 	1.50	 	 	 	2.11	 	 	 	2.74	 	 	 	3.41	 	 	 	4.13	 	 	 	4.90	 	 	 	5.69	 	 	 	6.51	 	 	 	7.22	 	 	 	7.99	 	 	 	8.89	 	 	 	9.88	 	 	 	10.96	 	 	 	12.76	 	 	 	14.12	 	 	 	19.13	 
	57
	 	 	1.57	 	 	 	2.21	 	 	 	2.89	 	 	 	3.64	 	 	 	4.41	 	 	 	5.21	 	 	 	6.03	 	 	 	6.86	 	 	 	7.69	 	 	 	8.51	 	 	 	9.49	 	 	 	10.59	 	 	 	11.81	 	 	 	13.85	 	 	 	15.45	 	 	 	21.11	 
	58
	 	 	1.69	 	 	 	2.39	 	 	 	3.12	 	 	 	3.91	 	 	 	4.71	 	 	 	5.54	 	 	 	6.40	 	 	 	7.28	 	 	 	8.17	 	 	 	9.05	 	 	 	10.28	 	 	 	11.45	 	 	 	12.76	 	 	 	14.97	 	 	 	16.71	 	 	 	23.41	 
	59
	 	 	1.82	 	 	 	2.58	 	 	 	3.36	 	 	 	4.19	 	 	 	5.02	 	 	 	5.88	 	 	 	6.79	 	 	 	7.74	 	 	 	8.69	 	 	 	9.63	 	 	 	11.16	 	 	 	12.42	 	 	 	13.85	 	 	 	16.25	 	 	 	18.16	 	 	 	26.09	 
	60
	 	 	1.94	 	 	 	2.77	 	 	 	3.61	 	 	 	4.48	 	 	 	5.35	 	 	 	6.25	 	 	 	7.21	 	 	 	8.22	 	 	 	9.24	 	 	 	10.27	 	 	 	12.16	 	 	 	13.55	 	 	 	15.11	 	 	 	17.72	 	 	 	19.83	 	 	 	29.20	 
	61
	 	 	2.08	 	 	 	2.98	 	 	 	3.88	 	 	 	4.80	 	 	 	5.70	 	 	 	6.65	 	 	 	7.67	 	 	 	8.74	 	 	 	9.84	 	 	 	10.99	 	 	 	13.31	 	 	 	14.84	 	 	 	16.55	 	 	 	19.42	 	 	 	21.73	 	 	 	32.78	 
	62
	 	 	2.22	 	 	 	3.20	 	 	 	4.17	 	 	 	5.14	 	 	 	6.09	 	 	 	7.08	 	 	 	8.15	 	 	 	9.31	 	 	 	10.52	 	 	 	11.81	 	 	 	14.65	 	 	 	16.34	 	 	 	18.23	 	 	 	21.37	 	 	 	23.87	 	 	 	36.88	 
	63
	 	 	2.36	 	 	 	3.38	 	 	 	4.40	 	 	 	5.42	 	 	 	6.42	 	 	 	7.47	 	 	 	8.61	 	 	 	9.88	 	 	 	11.24	 	 	 	12.74	 	 	 	15.86	 	 	 	17.73	 	 	 	19.83	 	 	 	23.30	 	 	 	26.11	 	 	 	41.54	 
	64
	 	 	2.51	 	 	 	3.58	 	 	 	4.65	 	 	 	5.72	 	 	 	6.77	 	 	 	7.89	 	 	 	9.12	 	 	 	10.52	 	 	 	12.06	 	 	 	13.80	 	 	 	17.25	 	 	 	19.31	 	 	 	21.63	 	 	 	25.45	 	 	 	28.57	 	 	 	46.74	 
	65
	 	 	2.67	 	 	 	3.79	 	 	 	4.91	 	 	 	6.03	 	 	 	7.15	 	 	 	8.35	 	 	 	9.70	 	 	 	11.24	 	 	 	13.00	 	 	 	15.01	 	 	 	18.83	 	 	 	21.08	 	 	 	23.62	 	 	 	27.79	 	 	 	31.21	 	 	 	52.50	 
	66
	 	 	2.84	 	 	 	4.01	 	 	 	5.19	 	 	 	6.37	 	 	 	7.57	 	 	 	8.88	 	 	 	10.36	 	 	 	12.07	 	 	 	14.06	 	 	 	16.40	 	 	 	20.61	 	 	 	23.04	 	 	 	25.79	 	 	 	30.30	 	 	 	34.00	 	 	 	58.80	 
	67
	 	 	3.03	 	 	 	4.24	 	 	 	5.49	 	 	 	6.75	 	 	 	8.04	 	 	 	9.48	 	 	 	11.10	 	 	 	13.00	 	 	 	15.26	 	 	 	17.95	 	 	 	22.58	 	 	 	25.19	 	 	 	28.11	 	 	 	32.93	 	 	 	36.89	 	 	 	65.66	 
	68
	 	 	3.29	 	 	 	4.62	 	 	 	6.00	 	 	 	7.41	 	 	 	8.87	 	 	 	10.51	 	 	 	12.37	 	 	 	14.55	 	 	 	17.13	 	 	 	20.20	 	 	 	25.19	 	 	 	28.11	 	 	 	31.57	 	 	 	36.88	 	 	 	41.19	 	 	 	73.06	 
	69
	 	 	3.58	 	 	 	5.05	 	 	 	6.59	 	 	 	8.18	 	 	 	9.84	 	 	 	11.72	 	 	 	13.85	 	 	 	16.33	 	 	 	19.27	 	 	 	22.75	 	 	 	28.11	 	 	 	31.57	 	 	 	35.36	 	 	 	41.18	 	 	 	45.84	 	 	 	81.02	 
	70
	 	 	3.92	 	 	 	5.54	 	 	 	7.27	 	 	 	9.07	 	 	 	10.97	 	 	 	13.11	 	 	 	15.54	 	 	 	18.38	 	 	 	21.71	 	 	 	25.59	 	 	 	31.57	 	 	 	35.36	 	 	 	39.49	 	 	 	45.83	 	 	 	50.83	 	 	 	89.52	 
	71
	 	 	4.30	 	 	 	6.11	 	 	 	8.06	 	 	 	10.11	 	 	 	12.28	 	 	 	14.72	 	 	 	17.48	 	 	 	20.70	 	 	 	24.43	 	 	 	28.74	 	 	 	35.36	 	 	 	39.49	 	 	 	43.94	 	 	 	50.82	 	 	 	61.72	 	 	 	98.58	 

 

 

75-80 Basic Table

Female ALB

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Duration	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	1	 	2	 	3	 	4	 	5	 	6	 	7	 	8	 	9	 	10	 	11	 	12	 	13	 	14	 	15	 	16+
	72
	 	 	4.75	 	 	 	6.78	 	 	 	8.99	 	 	 	11.31	 	 	 	13.78	 	 	 	16.56	 	 	 	19.69	 	 	 	23.29	 	 	 	27.44	 	 	 	32.19	 	 	 	39.48	 	 	 	43.94	 	 	 	48.73	 	 	 	60.92	 	 	 	74.09	 	 	 	108.18	 
	73
	 	 	5.27	 	 	 	7.56	 	 	 	10.06	 	 	 	12.70	 	 	 	15.51	 	 	 	18.65	 	 	 	22.16	 	 	 	26.16	 	 	 	30.73	 	 	 	35.95	 	 	 	43.93	 	 	 	48.72	 	 	 	53.84	 	 	 	72.33	 	 	 	88.02	 	 	 	118.34	 
	74
	 	 	5.87	 	 	 	8.46	 	 	 	11.29	 	 	 	14.29	 	 	 	17.47	 	 	 	20.98	 	 	 	24.89	 	 	 	29.30	 	 	 	34.32	 	 	 	40.00	 	 	 	48.72	 	 	 	53.83	 	 	 	64.90	 	 	 	85.14	 	 	 	103.64	 	 	 	129.04	 
	75
	 	 	6.57	 	 	 	9.49	 	 	 	12.70	 	 	 	16.09	 	 	 	19.65	 	 	 	23.57	 	 	 	27.88	 	 	 	32.72	 	 	 	38.18	 	 	 	44.36	 	 	 	53.83	 	 	 	64.19	 	 	 	77.38	 	 	 	99.44	 	 	 	121.03	 	 	 	140.30	 
	76
	 	 	7.38	 	 	 	10.68	 	 	 	14.31	 	 	 	18.11	 	 	 	22.07	 	 	 	26.40	 	 	 	31.13	 	 	 	36.41	 	 	 	42.34	 	 	 	49.01	 	 	 	63.64	 	 	 	75.83	 	 	 	91.39	 	 	 	115.30	 	 	 	140.30	 	 	 	152.10	 
	77
	 	 	8.30	 	 	 	12.03	 	 	 	16.10	 	 	 	20.34	 	 	 	24.72	 	 	 	29.48	 	 	 	34.64	 	 	 	40.38	 	 	 	46.79	 	 	 	53.97	 	 	 	74.63	 	 	 	88.85	 	 	 	107.00	 	 	 	132.83	 	 	 	152.10	 	 	 	164.46	 
	78
	 	 	9.35	 	 	 	13.54	 	 	 	18.08	 	 	 	22.78	 	 	 	27.61	 	 	 	32.80	 	 	 	38.41	 	 	 	44.61	 	 	 	51.52	 	 	 	64.67	 	 	 	86.89	 	 	 	103.32	 	 	 	124.32	 	 	 	152.10	 	 	 	164.46	 	 	 	177.36	 
	79
	 	 	10.52	 	 	 	15.20	 	 	 	20.25	 	 	 	25.44	 	 	 	30.72	 	 	 	36.38	 	 	 	42.44	 	 	 	49.13	 	 	 	61.70	 	 	 	76.69	 	 	 	100.46	 	 	 	119.32	 	 	 	143.44	 	 	 	164.46	 	 	 	177.36	 	 	 	190.82	 
	80
	 	 	11.81	 	 	 	17.03	 	 	 	22.61	 	 	 	28.31	 	 	 	34.07	 	 	 	40.19	 	 	 	48.96	 	 	 	58.85	 	 	 	73.15	 	 	 	90.11	 	 	 	115.44	 	 	 	136.94	 	 	 	164.46	 	 	 	177.36	 	 	 	190.82	 	 	 	204.82	 
	81
	 	 	13.23	 	 	 	19.01	 	 	 	25.16	 	 	 	31.39	 	 	 	39.55	 	 	 	48.78	 	 	 	58.68	 	 	 	69.77	 	 	 	85.92	 	 	 	105.03	 	 	 	131.89	 	 	 	156.26	 	 	 	177.36	 	 	 	190.82	 	 	 	204.82	 	 	 	219.38	 
	82
	 	 	14.78	 	 	 	21.16	 	 	 	27.90	 	 	 	38.90	 	 	 	48.13	 	 	 	58.50	 	 	 	69.60	 	 	 	81.96	 	 	 	100.11	 	 	 	121.51	 	 	 	149.89	 	 	 	177.36	 	 	 	190.82	 	 	 	204.82	 	 	 	219.38	 	 	 	234.48	 
	83
	 	 	16.44	 	 	 	27.58	 	 	 	35.34	 	 	 	47.48	 	 	 	57.85	 	 	 	69.43	 	 	 	81.80	 	 	 	95.51	 	 	 	115.80	 	 	 	139.65	 	 	 	169.50	 	 	 	190.82	 	 	 	204.82	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 
	84
	 	 	22.72	 	 	 	35.01	 	 	 	43.89	 	 	 	57.21	 	 	 	68.79	 	 	 	81.64	 	 	 	95.36	 	 	 	110.48	 	 	 	133.06	 	 	 	159.52	 	 	 	190.82	 	 	 	204.82	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 
	85
	 	 	30.05	 	 	 	43.56	 	 	 	53.62	 	 	 	68.15	 	 	 	81.02	 	 	 	95.20	 	 	 	110.34	 	 	 	126.96	 	 	 	151.96	 	 	 	181.23	 	 	 	204.82	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 
	86
	 	 	38.55	 	 	 	53.29	 	 	 	64.62	 	 	 	80.40	 	 	 	94.61	 	 	 	110.19	 	 	 	126.83	 	 	 	145.01	 	 	 	172.60	 	 	 	204.82	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 
	87
	 	 	48.30	 	 	 	64.30	 	 	 	76.98	 	 	 	94.02	 	 	 	109.65	 	 	 	126.70	 	 	 	144.89	 	 	 	164.71	 	 	 	195.04	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 
	88
	 	 	59.38	 	 	 	76.66	 	 	 	90.77	 	 	 	109.10	 	 	 	126.21	 	 	 	144.78	 	 	 	164.62	 	 	 	186.14	 	 	 	219.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 
	89
	 	 	71.90	 	 	 	90.47	 	 	 	106.07	 	 	 	125.71	 	 	 	144.36	 	 	 	164.53	 	 	 	186.07	 	 	 	209.38	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 
	90
	 	 	85.94	 	 	 	105.79	 	 	 	122.99	 	 	 	143.93	 	 	 	164.19	 	 	 	186.01	 	 	 	209.34	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 
	91
	 	 	101.58	 	 	 	122.74	 	 	 	141.58	 	 	 	163.85	 	 	 	185.76	 	 	 	209.31	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 
	92
	 	 	118.94	 	 	 	141.36	 	 	 	161.95	 	 	 	185.52	 	 	 	209.17	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 
	93
	 	 	138.09	 	 	 	161.77	 	 	 	184.16	 	 	 	209.04	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 
	94
	 	 	159.13	 	 	 	184.03	 	 	 	208.32	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 
	95
	 	 	182.14	 	 	 	208.25	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 	 	 	999.99	 
	96
	 	 	207.24	 	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 	 	 	999.99	 	 	 	999.99	 
	97
	 	 	234.48	 	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 
	98
	 	 	250.14	 	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 
	99
	 	 	266.34	 	 	 	281.72	 	 	 	303.10	 	 	 	330.14	 	 	 	363.98	 	 	 	406.13	 	 	 	458.56	 	 	 	523.86	 	 	 	605.42	 	 	 	707.74	 	 	 	836.76	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 	 	 	999.99	 

 

 

ARBITRATION SCHEDULE

(Effective as of January 1, 2000)

to

Agreement Number 12

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

The arbitration hearing shall be before a panel of three (3) arbitrators, each of whom must be a
present or former officer of a life insurance company. An arbitrator may not be a present or former
officer, attorney or consultant of SAFECO or Lincoln, or either’s affiliates.

SAFECO and Lincoln agree to each name five (5) candidates to serve as an arbitrator. Each agree to
choose one (1) candidate from the other’s list, and these two (2) candidates shall serve as the
first two (2) arbitrators. If one (1) or more candidates so chosen decline to serve as an
arbitrator, the party that named the candidate shall add an additional candidate to its list, and
the other party agrees to again choose one (1) candidate from the list. This process shall continue
until two (2) arbitrators have been chosen and have accepted. SAFECO and Lincoln agree to present
their initial lists of five (5) candidates by written notification to the other party within
twenty-five (25) days of the date of the mailing of the notification initiating the arbitration.
Any subsequent additions to the list which shall be presented within ten (10) days of the date the
naming party receives notice that a candidate who has been chosen declines to serve.

The two (2) arbitrators shall select the third arbitrator from the eight (8) candidates remaining
on the lists of SAFECO and Lincoln within fourteen (14) days of the acceptance of their positions
as arbitrators. If the two (2) arbitrators cannot agree on the choice of a third, then this choice
shall be referred back to SAFECO and Lincoln. SAFECO and Lincoln agree to take turns striking the
names of the remaining candidates from the initial eight (8) candidates until only one (1)
candidate remains. If the candidate so chosen shall decline to serve as the third arbitrator, the
candidate whose name was stricken last shall be nominated as third arbitrator. This process shall
continue until a candidate has been chosen and accepted. This candidate shall serve as the third
arbitrator. The first turn at striking the name of a candidate shall belong to the party that is
responding to the other party’s initiation of arbitration. Once chosen, the arbitrators are
empowered to decide all substantive and procedural issues by a majority of votes.

Page 26

 

It is
agreed that each of the three (3) arbitrators should be impartial regarding the dispute and
should resolve the dispute on the basis described in the “Arbitration” article. At no time will
either SAFECO of Lincoln contact or otherwise communicate with any person who is to be or has been
designated as a candidate to serve as an arbitrator concerning the dispute, except upon the basis
of jointly drafted communications provided by both SAFECO and Lincoln to inform those candidates
actually chosen as arbitrators of the nature and facts of the dispute. Likewise, any written or
oral arguments provided to the arbitrators concerning the dispute shall be coordinated with the
other party and shall be provided simultaneously to the other party or shall take place in the
presence of the other party. Further, at no time shall any arbitrator be informed that he or she
has been named or chosen by one party or the other.

The arbitration hearing shall be held on the date and in the location set by the arbitrators. In no
event shall this date be later than six (6) months after the appointment of the third arbitrator. As
soon as possible, the arbitrators shall establish prearbitration procedures as warranted by the
facts and issues of the particular case. At least ten (10) days prior to the arbitration hearing,
each party agrees to provide the other party and the arbitrators with a detailed statement of the
facts and arguments it will present at the arbitration hearing. The arbitrators may consider any
relevant evidence and agree to give the evidence such weight as they deem appropriate after
consideration of any objections raised concerning it. The party initiating the arbitration shall
have the burden, of proving its case by a preponderance of the evidence. Each party may examine any
witnesses who testify at the arbitration hearing. Within twenty (20) days after the end of the
arbitration hearing, the arbitrators shall issue a written decision that sets forth their findings
and any award to be paid as a result of the arbitration, except that the arbitrators may not award
punitive or exemplary damages. In their decision, the arbitrators shall apportion the costs of
arbitration, which shall include, but not be limited to, their own fees and expenses.

Page 27

 

WAIVER OF PREMIUM BENEFIT ADDENDUM

(Effective as of January 1, 2000)

to

Agreement Number 12

The provisions of the Agreement shall apply in all respects to reinsurance of the Waiver of Premium
Benefit provided by the Policies except as otherwise set forth in this Addendum.

This Addendum is referred to as “WP” in the “Applicable Addendum” column of the Policies Reinsured
section of the Life Benefits Schedule.

1. Definitions

     1.1. Lincoln’s Proportionate Share — the face amount of the Waiver of Premium Benefit less SAFECO’S Waiver of Premium Retention divided by the face amount of the Waiver of Premium Benefit.

     1.2. Policy Premiums — the insurance premiums, cost of insurance rates or other specified amounts
due for the life insurance benefit of a Policy.

     1.3. Waiver of Premium Benefit — a benefit provided pursuant to a Policy wherein SAFECO agrees to
relinquish its right to Policy Premiums in the event of the Policy owner’s disability until such
disability is ended.

2. Reinsurance Terms

     2.1. SAFECO agrees to cede, and Lincoln agrees to accept, Lincoln’s Proportionate Share of the
Waiver of Premium Benefit if the following conditions are met:

	 	2.1.1.	 	SAFECO retains the following amounts of Waiver of Premium
Benefit on a life:

An amount equal to its Retention of individual life insurance of the insured person.

Page 28

 

	 	2.1.2.	 	The sum of Waiver of Premium Benefit issued by SAFECO then in force on the insured life and
the amount of Waiver of Premium Benefit then being applied for from SAFECO does not exceed the sum
of SAFECO’S Waiver of Premium Retention and the following amounts:

	 	 	 
	Ages 	 	Standard-Table F
	0-44
	 	$3,000,000
	45-65
	 	1,500,000
	Over 65
	 	None

	 	2.1.3.	 	The sum of the amount of Waiver of Premium Benefit then in force on the insured life in all
companies and the amount of Waiver of Premium Benefit then being applied for on the insured life
from all companies does not exceed the following amounts:

	 	 	 
	Ages	 	Standard-Table
F
	0-65
	 	$5,000,000
	Over
65
	 	None

     2.2. SAFECO agrees to place Waiver of Premium reinsurance into effect by following the procedures
for placing life reinsurance into effect as set forth in the Administrative Schedule of the
Agreement.

     2.3. Waiver of Premium Benefits shall be coinsured with Lincoln. Reinsurance shall follow the forms
of SAFECO. SAFECO agrees to pay Lincoln reinsurance premiums for Waiver of Premium reinsurance
equal to Lincoln’s Proportionate Share of the appropriate premium rates as specified in the Premium
and Allowance Schedule less an allowance of

     [***] of such premium in the first year and [***] in renewal years.

Waiver of Premium reinsurance premiums are payable with the same frequency as, and due with, the
associated life reinsurance premium. Waiver of Premium reinsurance premiums shall not be due while
a Waiver of Premium Benefit is being paid. However, while a Waiver of Premium Benefit is being
paid, SAFECO agrees to continue to pay Lincoln premiums for reinsurance of other benefits provided
by the Policy in accordance with the Agreement or applicable addenda.

 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra
Financial Corp., this information has been filed separately with the Securities and Exchange
Commission.

Page 29

 

     2.4. SAFECO agrees to give Lincoln prompt notice of any Waiver of Premium claim, and upon request,
agrees to provide proof of the insured person’s continuing disability. Lincoln’s reinsurance
liability for Waiver of Premium claims shall equal Lincoln’s Proportionate Share of Policy premiums
waived by SAFECO under the Policy. SAFECO agrees to notify Lincoln upon the termination of a Waiver
of Premium claim and agrees to resume paying Waiver of Premium reinsurance premiums starting with
the beginning of the first month following the date the person is no longer eligible for such
Waiver of Premium Benefit.

     2.5. SAFECO may elect to recapture reinsurance of in force Waiver of Premium reinsurance in
accordance with the procedures set forth in the Agreement. If SAFECO elects to recapture such
reinsurance but an insured person is subject to a Waiver of Premium claim when an increase of its
Waiver of Premium Retention would otherwise become effective, Waiver of Premium reinsurance shall
remain at the current Retention until the Policy returns to a premium-paying status. After such
time, the intended recapture shall occur.

Page 30

 

ACCIDENTAL DEATH BENEFIT ADDENDUM

(Effective as of January 1, 2000)

to

Agreement Number 12

The provisions of the Agreement shall apply in all respects to reinsurance of the Bulk Accidental
Death Benefit provided by the Policies except as otherwise set forth in this Addendum.

This Addendum is referred to as “ADB” in the “Applicable Addendum” column of the Policies Reinsured
section of the Life Benefits Schedule.

1. Definitions

     1.1. ADB — life insurance provided by the Policies which is payable in the event of the accidental
death of the insured.

     1.2. ADB Reinsurance Amount — the face amount of ADB provided by a Policy less SAFECO’S ADB
Retention.

     1.3. Reinsurance Term — from 12:00 a.m. on January 1 of the calendar year during which this
Addendum is effective until 11:59 p.m. on December 31 of the same calendar year, and each calendar
year thereafter.

2. Reinsurance Terms

     2.1. SAFECO agrees to cede, and Lincoln agrees to accept, the ADB Reinsurance Amount as Automatic
Reinsurance if

	 	2.1.1.	 	SAFECO retains the following amounts of ADB on a life:

SAFECO’S life insurance Retention less the amount of life insurance then retained on the life by
SAFECO

Page 31

 

	 	2.1.2.	 	the sum of ADB issued by SAFECO then in force on the insured life and the amount of ADB then
being applied for from SAFECO does not exceed the sum of SAFECO’S ADB Retention and the following
amounts:

	 	 	 
	Ages	 	Standard-Table F
	0-65
	 	$250,000
	Over
65
	 	None

	 	2.1.3.	 	the sum of the amount of ADB then in force on the insured life in all companies and the
amount of ADB then being applied for on the insured life from all companies does not exceed the
following amounts:

	 	 	 
	Ages	 	Standard-Table F
	0-65
	 	$500,000
	Over 65
	 	None

     2.2. Lincoln’s liability for ADB shall begin simultaneously with SAFECO. To place ADB reinsurance
into effect, SAFECO need only report ADB reinsurance on a bulk basis within sixty (60) days
following the end of each reinsurance term. The report shall provide a listing of Policies subject
to ADB reinsurance, show the average amount of ADB reinsurance in force during the reinsurance
term, and calculate the amount of reinsurance premiums due for such reinsurance.

     2.3. ADB reinsurance premiums shall equal the average ADB Reinsurance Amount in force during the
Reinsurance Term times the appropriate rate shown below.

 Rate For All Ages At All Durations

$[***] per $1,000

Reinsurance premiums are payable in arrears and due with the bulk ADB report. ADB reinsurance
premiums shall be due even if a Policy is subject to a waiver of premium claim.

     2.4. Lincoln shall pay the ADB Reinsurance Amount of all ADB claims incurred during the reinsurance
term. Claims shall be reported and paid as incurred.

 

Portions
marked [***] have been omitted pursuant to a Confidential
Treatment Request by Symetra Financial Corp., this information has
been filed separately with the Securities and Exchange Commission.

Page 32

 

     2.5. If SAFECO increases its ADB Retention on new Policies, it agrees to notify Lincoln in writing
within sixty (60) days of such increase. In force ADB reinsurance shall not be eligible for
recapture without Lincoln’s express written consent, which Lincoln agrees not to unreasonably
withhold.

     Either SAFECO or Lincoln may terminate ADB reinsurance as of the end of a reinsurance term for
Policies issued after the end of such reinsurance term by giving ninety (90) days’ advance written
notice to the other party.

Page 33

 

ACCELERATED BENEFITS RIDER ADDENDUM

(Effective as of January 1, 2000)

to

Agreement Number 12

The provisions of the Agreement shall apply in all respects to reinsurance of an Accelerated
Benefits Rider except as otherwise set forth in this Addendum.

This Addendum is referred to as “ABR” in the “Applicable Addendum” column of the Policies Reinsured
section of the Life Benefits Schedule.

1. Definitions

     ABR — provides a benefit whereby, if certain specified conditions are met and in lieu of the death
benefit under the Base Policy, Lincoln shall pay a portion of the face amount of the Base Policy
prior to the insured’s death (the “accelerated benefit”).

2. Reinsurance Terms

     2.1. There shall be no additional reinsurance premium paid by SAFECO to Lincoln for ABR.

     2.2. Lincoln shall reinsure the accelerated benefit only if the following conditions are met:

	 	2.2.1.	 	SAFECO receives written evidence which would lead it to reasonably conclude that the insured
is expected to live for twelve (12) months or less; and
	 
	 	2.2.2.	 	The amount accelerated does not exceed two hundred fifty thousand dollars or fifty percent
(50%) of the death benefit.

     2.3. Lincoln shall reimburse SAFECO for a portion of the accelerated benefit equal to the portion
of the Base Policy reinsured with Lincoln as of the date of the payment of the accelerated
benefit, except that if the accelerated benefit is calculated using a feature of the Base Policy
which is not reinsured with Lincoln (such as, but not limited to dividends, dividend additions and
Policy loans), Lincoln’s portion of the accelerated benefit shall be calculated only on those
features of the Base Policy that are reinsured with Lincoln.

Page 34

 

     2.4. To receive reimbursement from Lincoln for Lincoln’s portion of the accelerated benefit, SAFECO
shall provide Lincoln with written evidence in a form mutually acceptable to both parties which
indicates that it has paid an accelerated benefit. SAFECO shall also notify Lincoln upon the death
of the insured in accordance with the terms of the Agreement.

     2.5. In consideration of Lincoln’s reimbursement of the accelerated benefit, the reinsured face
amount of the Base Policy shall be reduced proportionately to the reduction in the Base Policy upon
payment of the accelerated benefit.

     2.6. If SAFECO collects interest on the ABR, SAFECO shall pay Lincoln its Proportionate Share of
such interest.

     2.7. If insurance reduces on a life reinsured under a Base Policy with an ABR attached, then

	 	2.7.1.	 	if an accelerated benefit has been paid hereunder, the portion of the Base Policy being
reinsured shall be recalculated as if the original amount of insurance, less the amount of the
reduction, had been in place on the date the Base Policy was issued. The amount of reinsurance as
of the date of the calculation shall equal this revised portion times the current Policy face
amount; and
	 
	 	2.7.2.	 	if no accelerated benefit amount has been paid hereunder, then reinsurance of the Base
Policy shall be reduced as provided in the Agreement.

     2.8. If SAFECO elects to increase its Retention in accordance with the Agreement, and also elects
to have the increased Retention apply to existing reinsurance, then

	 	2.8.1.	 	if an accelerated benefit has been paid hereunder, the portion of the Base Policy being
reinsured shall be recalculated as if the new Retention had been in place on the date the Base
Policy was issued. The amount of reinsurance as of the date of the calculation shall be this
revised portion times the current Policy face amount; and
	 
	 	2.8.2.	 	if no accelerated benefit amount, has been paid hereunder, then reinsurance of the Base
Policy shall be recaptured as provided in the Agreement.

Page 35

 

GUARANTEED PURCHASE OPTION ADDENDUM

(Effective as of January l, 2000)

to

Agreement Number 12

The provisions of the Agreement shall apply in all respects to reinsurance of Guaranteed Purchase
Options and Opted Policies issued in connection with Guaranteed Purchase Options.

This Addendum is referred to as “GP” in the “Applicable Addendum” column of the Policies Reinsured
section of the Life Benefits Schedule.

1. Definitions

     1.1. Base Policy — a Policy which provides a Guaranteed Purchase Option for an Opted Policy.

     1.2. GPO — an option to purchase additional insurance triggered by the insured reaching predefined
ages or a specified event without providing evidence of insurability.

     1.3. Maximum Face Amount — the sum of the Base Policy and the total face amount on the insured life
which may be purchased without evidence of insurability under the Guaranteed Purchase Options, if
all options are elected.

     1.4. Opted Policy — an individual life insurance Policy, or an increase to the face amount of an
existing Policy, issued as the result of a Guaranteed Purchase Option triggered by the insured
reaching predefined ages or a specified event.

2. Reinsurance of Opted Policies

     2.1. Lincoln agrees to accept reinsurance of an Opted Policy only

	 	2.1.1.	 	when such reinsurance would otherwise fall within the automatic provisions of the Agreement
in effect between SAFECO and Lincoln on the effective date of the Opted Policy that gives rise for
such reinsurance;

Page 36

 

	 	2.1.2.	 	when the Base Policy to which the Guaranteed Purchase Option rider is attached was issued
on a standard basis with no extra premiums or exclusion riders of any kind;
	 
	 	2.1.3.	 	when, in the underwriting opinion given on a facultative submission at the time of issue of
the Guaranteed Purchase Option rider, Lincoln has not stated that the risk is not eligible for such
a rider or had not stated that the case should be rated or issued with an exclusion rider of any
kind; and
	 
	 	2.1.4.	 	when the Maximum Face Amount does not exceed the sum of SAFECO’S Retention and the Automatic
Limits specified in the Life Benefits Schedule of me Agreement.

     2.2. SAFECO agrees to place reinsurance into effect on the Opted Policy by following the procedures
for placing reinsurance into effect as set forth in the Administrative Schedule of the Agreement.

     2.3. SAFECO agrees to pay Lincoln an extra single premium at the time of issue of the Opted Policy
equal to the Reinsured Net Amount at Risk times the appropriate attached rates on diskette labeled
“SAFECO, January 1, 2000, Term Rates,” and based on the option age last of the insured and the
attained duration of the Base Policy.

     2.4. Additionally, from the issue date of the Opted Policy and annually thereafter, SAFECO agrees
to pay Lincoln a reinsurance premium equal to the Reinsured Net Amount at Risk times the
appropriate rate set forth in the Premium and Allowance Schedule based on the original issue age of
the insured and the attained duration of the Base Policy. Any reinsurance premium adjustments
payable on the Base Policy shall be payable under the Opted Policy.

     2.5. Lincoln shall reimburse SAFECO for SAFECO’S Net Amount at Risk of benefits paid
pursuant to Opted Policies.

     2.6. SAFECO, may increase, its Retention, and elect to recapture reinsurance of Opted Policies, in
accordance with the procedures set-forth in the Agreement.

Page 37

 

     

SAFECO TERM PREMIUM RATES PER $1,000

High Band = $400,000+

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	10 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	Stnd SM	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	 	 	1.95	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.67	 	 	 	 	 	 	 	 	1.71	 	 	 	 	 	 	 	 	 	 	 	0.82	 	 	 	 	 	 	 	1.90	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	 	 	1.95	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.67	 	 	 	 	 	 	 	 	1.71	 	 	 	 	 	 	 	 	 	 	 	0.82	 	 	 	 	 	 	 	1.90	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	 	 	1.95	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.67	 	 	 	 	 	 	 	 	1.71	 	 	 	 	 	 	 	 	 	 	 	0.82	 	 	 	 	 	 	 	1.90	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	 	 	1.95	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.67	 	 	 	 	 	 	 	 	1.71	 	 	 	 	 	 	 	 	 	 	 	0.82	 	 	 	 	 	 	 	1.90	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	 	 	1.95	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.67	 	 	 	 	 	 	 	 	1.71	 	 	 	 	 	 	 	 	 	 	 	0.82	 	 	 	 	 	 	 	1.90	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	20
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.71	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	21
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.71	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	22
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.71	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	23
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.71	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	24
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.71	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	25
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.14	 	 	 	 	1.95	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.67	 	 	 	 	0.98	 	 	 	1.72	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.11	 	 	 	1.90	 
	 	26
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.15	 	 	 	 	1.97	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.68	 	 	 	 	0.98	 	 	 	1.74	 	 	 	0.44	 	 	 	0.55	 	 	 	0.82	 	 	 	1.12	 	 	 	1.92	 
	 	27
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.16	 	 	 	 	1.99	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.69	 	 	 	 	0.98	 	 	 	1.75	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.12	 	 	 	1.94	 
	 	28
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.17	 	 	 	 	2.01	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.69	 	 	 	 	0.98	 	 	 	1.76	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.13	 	 	 	1.96	 
	 	29
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.18	 	 	 	 	2.02	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.70	 	 	 	 	0.99	 	 	 	1.77	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.14	 	 	 	1.97	 
	 	30
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.20	 	 	 	 	2.03	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.70	 	 	 	 	1.00	 	 	 	1.77	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.16	 	 	 	1.98	 
	 	31
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.22	 	 	 	 	2.03	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.70	 	 	 	 	1.01	 	 	 	1.77	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.18	 	 	 	1.98	 
	 	32
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.86	 	 	 	 	1.24	 	 	 	 	2.03	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.71	 	 	 	 	1.03	 	 	 	1.77	 	 	 	0.44	 	 	 	0.55	 	 	 	0.83	 	 	 	1.20	 	 	 	1.98	 
	 	33
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.87	 	 	 	 	1.29	 	 	 	 	2.05	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.71	 	 	 	 	1.06	 	 	 	1.77	 	 	 	0.44	 	 	 	0.55	 	 	 	0.84	 	 	 	1.24	 	 	 	1.99	 
	 	34
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.88	 	 	 	 	1.35	 	 	 	 	2.09	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.72	 	 	 	 	1.11	 	 	 	1.80	 	 	 	0.44	 	 	 	0.55	 	 	 	0.85	 	 	 	1.30	 	 	 	2.03	 
	 	35
	 	 	 	0.46	 	 	 	 	0.57	 	 	 	 	0.88	 	 	 	 	1.43	 	 	 	 	2.16	 	 	 	 	0.35	 	 	 	 	0.47	 	 	 	 	0.72	 	 	 	 	1.18	 	 	 	1.87	 	 	 	0.44	 	 	 	0.55	 	 	 	0.85	 	 	 	1.38	 	 	 	2.10	 
	 	36
	 	 	 	0.50	 	 	 	 	0.63	 	 	 	 	0.95	 	 	 	 	1.54	 	 	 	 	2.26	 	 	 	 	0.39	 	 	 	 	0.52	 	 	 	 	0.76	 	 	 	 	1.27	 	 	 	2.00	 	 	 	0.48	 	 	 	0.61	 	 	 	0.91	 	 	 	1.49	 	 	 	2.21	 
	 	37
	 	 	 	0.54	 	 	 	 	0.69	 	 	 	 	1.03	 	 	 	 	1.67	 	 	 	 	2.40	 	 	 	 	0.44	 	 	 	 	0.57	 	 	 	 	0.81	 	 	 	 	1.38	 	 	 	2.15	 	 	 	0.52	 	 	 	0.67	 	 	 	0.99	 	 	 	1.61	 	 	 	2.35	 
	 	38
	 	 	 	0.59	 	 	 	 	0.76	 	 	 	 	1.12	 	 	 	 	1.82	 	 	 	 	2.57	 	 	 	 	0.49	 	 	 	 	0.62	 	 	 	 	0.87	 	 	 	 	1.50	 	 	 	2.31	 	 	 	0.57	 	 	 	0.73	 	 	 	1.07	 	 	 	1.76	 	 	 	2.52	 
	 	39
	 	 	 	0.64	 	 	 	 	0.83	 	 	 	 	1.22	 	 	 	 	1.98	 	 	 	 	2.79	 	 	 	 	0.54	 	 	 	 	0.68	 	 	 	 	0.94	 	 	 	 	1.62	 	 	 	2.49	 	 	 	0.62	 	 	 	0.80	 	 	 	1.16	 	 	 	1.91	 	 	 	2.73	 
	 	40
	 	 	 	0.70	 	 	 	 	0.91	 	 	 	 	1.32	 	 	 	 	2.16	 	 	 	 	3.05	 	 	 	 	0.59	 	 	 	 	0.73	 	 	 	 	1.01	 	 	 	 	1.76	 	 	 	2.68	 	 	 	0.68	 	 	 	0.87	 	 	 	1.26	 	 	 	2.08	 	 	 	2.98	 
	 	41
	 	 	 	0.76	 	 	 	 	0.98	 	 	 	 	1.41	 	 	 	 	2.35	 	 	 	 	3.37	 	 	 	 	0.62	 	 	 	 	0.77	 	 	 	 	1.08	 	 	 	 	1.90	 	 	 	2.86	 	 	 	0.73	 	 	 	0.94	 	 	 	1.34	 	 	 	2.26	 	 	 	3.27	 
	 	42
	 	 	 	0.83	 	 	 	 	1.05	 	 	 	 	1.52	 	 	 	 	2.56	 	 	 	 	3.73	 	 	 	 	0.66	 	 	 	 	0.82	 	 	 	 	1.16	 	 	 	 	2.06	 	 	 	3.06	 	 	 	0.80	 	 	 	1.00	 	 	 	1.45	 	 	 	2.46	 	 	 	3.60	 
	 	43
	 	 	 	0.90	 	 	 	 	1.13	 	 	 	 	1.65	 	 	 	 	2.79	 	 	 	 	4.12	 	 	 	 	0.70	 	 	 	 	0.87	 	 	 	 	1.25	 	 	 	 	2.22	 	 	 	3.28	 	 	 	0.86	 	 	 	1.08	 	 	 	1.57	 	 	 	2.68	 	 	 	3.95	 
	 	44
	 	 	 	0.97	 	 	 	 	1.22	 	 	 	 	1.79	 	 	 	 	3.05	 	 	 	 	4.54	 	 	 	 	0.75	 	 	 	 	0.93	 	 	 	 	1.35	 	 	 	 	2.38	 	 	 	3.52	 	 	 	0.93	 	 	 	1.16	 	 	 	1.70	 	 	 	2.92	 	 	 	4.34	 
	 	45
	 	 	 	1.05	 	 	 	 	1.33	 	 	 	 	1.96	 	 	 	 	3.34	 	 	 	 	4.99	 	 	 	 	0.81	 	 	 	 	0.99	 	 	 	 	1.46	 	 	 	 	2.56	 	 	 	3.79	 	 	 	1.00	 	 	 	1.26	 	 	 	1.86	 	 	 	3.18	 	 	 	4.75	 
	 	46
	 	 	 	1.12	 	 	 	 	1.46	 	 	 	 	2.19	 	 	 	 	3.65	 	 	 	 	5.45	 	 	 	 	0.90	 	 	 	 	1.07	 	 	 	 	1.60	 	 	 	 	2.74	 	 	 	4.11	 	 	 	1.08	 	 	 	1.38	 	 	 	2.07	 	 	 	3.47	 	 	 	5.18	 
	 	47
	 	 	 	1.21	 	 	 	 	1.60	 	 	 	 	2.41	 	 	 	 	3.99	 	 	 	 	5.95	 	 	 	 	0.99	 	 	 	 	1.16	 	 	 	 	1.74	 	 	 	 	2.93	 	 	 	4.45	 	 	 	1.17	 	 	 	1.51	 	 	 	2.28	 	 	 	3.78	 	 	 	5.65	 
	 	48
	 	 	 	1.31	 	 	 	 	1.75	 	 	 	 	2.64	 	 	 	 	4.37	 	 	 	 	6.49	 	 	 	 	1.08	 	 	 	 	1.25	 	 	 	 	1.87	 	 	 	 	3.14	 	 	 	4.79	 	 	 	1.26	 	 	 	1.65	 	 	 	2.49	 	 	 	4.12	 	 	 	6.15	 
	 	49
	 	 	 	1.43	 	 	 	 	1.90	 	 	 	 	2.86	 	 	 	 	4.79	 	 	 	 	7.08	 	 	 	 	1.17	 	 	 	 	1.34	 	 	 	 	2.00	 	 	 	 	3.36	 	 	 	5.14	 	 	 	1.38	 	 	 	1.79	 	 	 	2.69	 	 	 	4.50	 	 	 	6.69	 
	 	50
	 	 	 	1.57	 	 	 	 	2.07	 	 	 	 	3.07	 	 	 	 	5.24	 	 	 	 	7.71	 	 	 	 	1.26	 	 	 	 	1.44	 	 	 	 	2.12	 	 	 	 	3.60	 	 	 	5.50	 	 	 	1.51	 	 	 	1.94	 	 	 	2.88	 	 	 	4.91	 	 	 	7.27	 
	 	51
	 	 	 	1.76	 	 	 	 	2.25	 	 	 	 	3.23	 	 	 	 	5.82	 	 	 	 	8.50	 	 	 	 	1.34	 	 	 	 	1.54	 	 	 	 	2.19	 	 	 	 	3.89	 	 	 	5.86	 	 	 	1.68	 	 	 	2.11	 	 	 	3.02	 	 	 	5.43	 	 	 	7.97	 
	 	52
	 	 	 	1.95	 	 	 	 	2.44	 	 	 	 	3.42	 	 	 	 	6.40	 	 	 	 	9.29	 	 	 	 	1.42	 	 	 	 	1.65	 	 	 	 	2.29	 	 	 	 	4.18	 	 	 	6.23	 	 	 	1.84	 	 	 	2.28	 	 	 	3.19	 	 	 	5.96	 	 	 	8.68	 
	 	53
	 	 	 	2.17	 	 	 	 	2.65	 	 	 	 	3.66	 	 	 	 	6.95	 	 	 	 	10.09	 	 	 	 	1.52	 	 	 	 	1.77	 	 	 	 	2.41	 	 	 	 	4.48	 	 	 	6.62	 	 	 	2.04	 	 	 	2.47	 	 	 	3.41	 	 	 	6.46	 	 	 	9.40	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	10 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	Stnd SM	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	54
	 	 	 	2.39	 	 	 	 	2.88	 	 	 	 	3.95	 	 	 	 	7.48	 	 	 	 	10.88	 	 	 	 	1.63	 	 	 	 	1.90	 	 	 	 	2.58	 	 	 	 	4.78	 	 	 	7.04	 	 	 	2.24	 	 	 	2.68	 	 	 	3.68	 	 	 	6.94	 	 	 	10.11	 
	 	55
	 	 	 	2.63	 	 	 	 	3.14	 	 	 	 	4.32	 	 	 	 	7.99	 	 	 	 	11.69	 	 	 	 	1.76	 	 	 	 	2.05	 	 	 	 	2.80	 	 	 	 	5.09	 	 	 	7.50	 	 	 	2.46	 	 	 	2.92	 	 	 	4.02	 	 	 	7.41	 	 	 	10.85	 
	 	56
	 	 	 	2.85	 	 	 	 	3.44	 	 	 	 	4.84	 	 	 	 	8.32	 	 	 	 	12.38	 	 	 	 	1.92	 	 	 	 	2.22	 	 	 	 	3.11	 	 	 	 	5.38	 	 	 	8.01	 	 	 	2.66	 	 	 	3.20	 	 	 	4.49	 	 	 	7.73	 	 	 	11.51	 
	 	57
	 	 	 	3.11	 	 	 	 	3.77	 	 	 	 	5.41	 	 	 	 	8.75	 	 	 	 	13.21	 	 	 	 	2.09	 	 	 	 	2.40	 	 	 	 	3.46	 	 	 	 	5.70	 	 	 	8.58	 	 	 	2.91	 	 	 	3.50	 	 	 	5.02	 	 	 	8.14	 	 	 	12.28	 
	 	58
	 	 	 	3.43	 	 	 	 	4.14	 	 	 	 	6.05	 	 	 	 	9.34	 	 	 	 	14.26	 	 	 	 	2.29	 	 	 	 	2.62	 	 	 	 	3.83	 	 	 	 	6.07	 	 	 	9.21	 	 	 	3.20	 	 	 	3.84	 	 	 	5.61	 	 	 	8.69	 	 	 	13.25	 
	 	59
	 	 	 	3.79	 	 	 	 	4.57	 	 	 	 	6.74	 	 	 	 	10.13	 	 	 	 	15.57	 	 	 	 	2.49	 	 	 	 	2.85	 	 	 	 	4.23	 	 	 	 	6.50	 	 	 	9.93	 	 	 	3.53	 	 	 	4.23	 	 	 	6.24	 	 	 	9.40	 	 	 	14.44	 
	 	60
	 	 	 	4.23	 	 	 	 	5.05	 	 	 	 	7.51	 	 	 	 	11.15	 	 	 	 	17.21	 	 	 	 	2.72	 	 	 	 	3.12	 	 	 	 	4.65	 	 	 	 	7.00	 	 	 	10.74	 	 	 	3.93	 	 	 	4.66	 	 	 	6.94	 	 	 	10.32	 	 	 	15.92	 
	 	61
	 	 	 	4.76	 	 	 	 	5.53	 	 	 	 	8.23	 	 	 	 	12.45	 	 	 	 	19.04	 	 	 	 	2.97	 	 	 	 	3.44	 	 	 	 	5.11	 	 	 	 	7.57	 	 	 	11.60	 	 	 	4.40	 	 	 	5.11	 	 	 	7.61	 	 	 	11.47	 	 	 	17.55	 
	 	62
	 	 	 	5.36	 	 	 	 	6.13	 	 	 	 	9.10	 	 	 	 	14.03	 	 	 	 	21.35	 	 	 	 	3.24	 	 	 	 	3.78	 	 	 	 	5.58	 	 	 	 	8.24	 	 	 	12.63	 	 	 	4.94	 	 	 	5.66	 	 	 	8.40	 	 	 	12.87	 	 	 	19.61	 
	 	63
	 	 	 	6.01	 	 	 	 	6.86	 	 	 	 	10.17	 	 	 	 	15.89	 	 	 	 	24.21	 	 	 	 	3.54	 	 	 	 	4.15	 	 	 	 	6.06	 	 	 	 	9.04	 	 	 	13.86	 	 	 	5.52	 	 	 	6.32	 	 	 	9.35	 	 	 	14.52	 	 	 	22.14	 
	 	64
	 	 	 	6.74	 	 	 	 	7.74	 	 	 	 	11.45	 	 	 	 	18.03	 	 	 	 	27.64	 	 	 	 	3.86	 	 	 	 	4.54	 	 	 	 	6.56	 	 	 	 	9.97	 	 	 	15.31	 	 	 	6.16	 	 	 	7.10	 	 	 	10.47	 	 	 	16.42	 	 	 	25.17	 
	 	65
	 	 	 	7.52	 	 	 	 	8.78	 	 	 	 	12.97	 	 	 	 	20.44	 	 	 	 	31.64	 	 	 	 	4.21	 	 	 	 	4.97	 	 	 	 	7.08	 	 	 	 	11.04	 	 	 	17.00	 	 	 	6.86	 	 	 	8.02	 	 	 	11.79	 	 	 	18.56	 	 	 	28.71	 
	 	66
	 	 	 	8.37	 	 	 	 	9.98	 	 	 	 	14.73	 	 	 	 	23.11	 	 	 	 	36.18	 	 	 	 	4.60	 	 	 	 	5.44	 	 	 	 	7.64	 	 	 	 	12.26	 	 	 	18.95	 	 	 	7.62	 	 	 	9.07	 	 	 	13.31	 	 	 	20.94	 	 	 	32.73	 
	 	67
	 	 	 	9.29	 	 	 	 	11.34	 	 	 	 	16.73	 	 	 	 	26.00	 	 	 	 	41.22	 	 	 	 	5.03	 	 	 	 	5.95	 	 	 	 	8.25	 	 	 	 	13.64	 	 	 	21.17	 	 	 	8.44	 	 	 	10.26	 	 	 	15.03	 	 	 	23.53	 	 	 	37.21	 
	 	68
	 	 	 	10.28	 	 	 	 	12.85	 	 	 	 	18.97	 	 	 	 	29.08	 	 	 	 	46.66	 	 	 	 	5.52	 	 	 	 	6.52	 	 	 	 	8.93	 	 	 	 	15.18	 	 	 	23.65	 	 	 	9.33	 	 	 	11.58	 	 	 	16.96	 	 	 	26.30	 	 	 	42.06	 
	 	69
	 	 	 	11.34	 	 	 	 	14.49	 	 	 	 	21.40	 	 	 	 	32.32	 	 	 	 	52.42	 	 	 	 	6.08	 	 	 	 	7.17	 	 	 	 	9.72	 	 	 	 	16.89	 	 	 	26.40	 	 	 	10.29	 	 	 	13.03	 	 	 	19.06	 	 	 	29.23	 	 	 	47.22	 
	 	70
	 	 	 	12.49	 	 	 	 	16.25	 	 	 	 	24.01	 	 	 	 	35.65	 	 	 	 	58.35	 	 	 	 	6.71	 	 	 	 	7.90	 	 	 	 	10.62	 	 	 	 	18.75	 	 	 	29.40	 	 	 	11.33	 	 	 	14.58	 	 	 	21.33	 	 	 	32.27	 	 	 	52.56	 
	 	71
	 	 	 	13.72	 	 	 	 	18.10	 	 	 	 	26.75	 	 	 	 	39.02	 	 	 	 	64.30	 	 	 	 	7.43	 	 	 	 	8.74	 	 	 	 	11.68	 	 	 	 	20.77	 	 	 	32.64	 	 	 	12.46	 	 	 	16.23	 	 	 	23.74	 	 	 	35.37	 	 	 	57.97	 
	 	72
	 	 	 	15.05	 	 	 	 	20.00	 	 	 	 	29.57	 	 	 	 	42.37	 	 	 	 	70.09	 	 	 	 	8.26	 	 	 	 	9.70	 	 	 	 	12.93	 	 	 	 	22.95	 	 	 	36.11	 	 	 	13.69	 	 	 	17.94	 	 	 	26.24	 	 	 	38.49	 	 	 	63.29	 
	 	73
	 	 	 	16.49	 	 	 	 	21.92	 	 	 	 	32.42	 	 	 	 	45.61	 	 	 	 	75.50	 	 	 	 	9.21	 	 	 	 	10.81	 	 	 	 	14.41	 	 	 	 	25.27	 	 	 	39.77	 	 	 	15.03	 	 	 	19.70	 	 	 	28.82	 	 	 	41.54	 	 	 	68.35	 
	 	74
	 	 	 	18.03	 	 	 	 	23.81	 	 	 	 	35.21	 	 	 	 	48.67	 	 	 	 	80.30	 	 	 	 	10.29	 	 	 	 	12.10	 	 	 	 	16.17	 	 	 	 	27.73	 	 	 	43.60	 	 	 	16.48	 	 	 	21.47	 	 	 	31.40	 	 	 	44.48	 	 	 	72.96	 
	 	75
	 	 	 	19.70	 	 	 	 	25.62	 	 	 	 	37.87	 	 	 	 	51.45	 	 	 	 	84.22	 	 	 	 	11.53	 	 	 	 	13.58	 	 	 	 	18.25	 	 	 	 	30.32	 	 	 	47.55	 	 	 	18.07	 	 	 	23.21	 	 	 	33.95	 	 	 	47.22	 	 	 	76.89	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	15 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	Pref SM	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.89	 	 	 	 	 	 	 	2.29	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.73	 	 	 	 	 	 	 	 	 	1.74	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	2.18	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.89	 	 	 	 	 	 	 	2.29	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.73	 	 	 	 	 	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	2.18	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.89	 	 	 	 	 	 	 	2.29	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.73	 	 	 	 	 	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	2.18	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.89	 	 	 	 	 	 	 	2.29	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.73	 	 	 	 	 	 	 	 	 	1.74	 	 	 	 	0.466	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	2.18	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	0.89	 	 	 	 	 	 	 	2.29	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.73	 	 	 	 	 	 	 	 	 	1.74	 	 	 	 	 	 	 	 	 	 	 	 	0.86	 	 	 	 	 	 	 	2.18	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	20
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.89	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.73	 	 	 	 	1.06	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.86	 	 	 	1.28	 	 	 	2.18	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	21
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.89	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.73	 	 	 	 	1.06	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.86	 	 	 	1.28	 	 	 	2.18	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	22
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.73	 	 	 	 	1.06	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.28	 	 	 	2.18	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	23
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.73	 	 	 	 	1.06	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.28	 	 	 	2.18	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	24
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.73	 	 	 	 	1.06	 	 	 	 	1.74	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.28	 	 	 	2.18	 
	 	25
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.33	 	 	 	2.29	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.74	 	 	 	 	1.07	 	 	 	 	1.76	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.28	 	 	 	2.18	 
	 	26
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.35	 	 	 	2.30	 	 	 	 	0.37	 	 	 	 	0.51	 	 	 	 	0.75	 	 	 	 	1.09	 	 	 	 	1.81	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.30	 	 	 	2.20	 
	 	27
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.38	 	 	 	2.31	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.76	 	 	 	 	1.12	 	 	 	 	1.85	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.33	 	 	 	2.22	 
	 	28
	 	 	 	0.49	 	 	 	 	0.58	 	 	 	 	0.90	 	 	 	1.41	 	 	 	2.33	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.77	 	 	 	 	1.14	 	 	 	 	1.89	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.87	 	 	 	1.36	 	 	 	2.24	 
	 	29
	 	 	 	0.49	 	 	 	 	0.59	 	 	 	 	0.90	 	 	 	1.44	 	 	 	2.35	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.78	 	 	 	 	1.16	 	 	 	 	1.93	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.88	 	 	 	1.38	 	 	 	2.27	 
	 	30
	 	 	 	0.49	 	 	 	 	0.59	 	 	 	 	0.91	 	 	 	1.48	 	 	 	2.38	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.78	 	 	 	 	1.18	 	 	 	 	1.97	 	 	 	 	0.47	 	 	 	0.57	 	 	 	0.88	 	 	 	1.42	 	 	 	2.30	 
	 	31
	 	 	 	0.50	 	 	 	 	0.59	 	 	 	 	0.93	 	 	 	1.53	 	 	 	2.44	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.78	 	 	 	 	1.18	 	 	 	 	1.98	 	 	 	 	0.48	 	 	 	0.57	 	 	 	0.90	 	 	 	1.46	 	 	 	2.35	 
	 	32
	 	 	 	0.50	 	 	 	 	0.60	 	 	 	 	0.95	 	 	 	1.58	 	 	 	2.49	 	 	 	 	0.38	 	 	 	 	0.51	 	 	 	 	0.79	 	 	 	 	1.20	 	 	 	 	1.99	 	 	 	 	0.48	 	 	 	0.58	 	 	 	0.92	 	 	 	1.50	 	 	 	2.39	 
	 	33
	 	 	 	0.50	 	 	 	 	0.62	 	 	 	 	0.97	 	 	 	1.63	 	 	 	2.54	 	 	 	 	0.39	 	 	 	 	0.52	 	 	 	 	0.79	 	 	 	 	1.23	 	 	 	 	2.03	 	 	 	 	0.48	 	 	 	0.60	 	 	 	0.93	 	 	 	1.55	 	 	 	2.44	 
	 	34
	 	 	 	0.51	 	 	 	 	0.64	 	 	 	 	1.00	 	 	 	1.67	 	 	 	2.59	 	 	 	 	0.39	 	 	 	 	0.53	 	 	 	 	0.80	 	 	 	 	1.28	 	 	 	 	2.10	 	 	 	 	0.49	 	 	 	0.62	 	 	 	0.96	 	 	 	1.59	 	 	 	2.49	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	15 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	Pref SM	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	35
	 	 	 	0.51	 	 	 	 	0.67	 	 	 	 	1.03	 	 	 	1.72	 	 	 	2.64	 	 	 	 	0.40	 	 	 	 	0.55	 	 	 	 	0.80	 	 	 	 	1.35	 	 	 	 	2.19	 	 	 	 	0.49	 	 	 	0.65	 	 	 	0.98	 	 	 	1.65	 	 	 	2.55	 
	 	36
	 	 	 	0.54	 	 	 	 	0.71	 	 	 	 	1.05	 	 	 	1.72	 	 	 	2.64	 	 	 	 	0.44	 	 	 	 	0.58	 	 	 	 	0.83	 	 	 	 	1.46	 	 	 	 	2.34	 	 	 	 	0.52	 	 	 	0.68	 	 	 	1.01	 	 	 	1.67	 	 	 	2.58	 
	 	37
	 	 	 	0.58	 	 	 	 	0.76	 	 	 	 	1.09	 	 	 	1.76	 	 	 	2.67	 	 	 	 	0.48	 	 	 	 	0.61	 	 	 	 	0.88	 	 	 	 	1.58	 	 	 	 	2.51	 	 	 	 	0.56	 	 	 	0.73	 	 	 	1.05	 	 	 	1.72	 	 	 	2.64	 
	 	38
	 	 	 	0.62	 	 	 	 	0.82	 	 	 	 	1.15	 	 	 	1.84	 	 	 	2.78	 	 	 	 	0.52	 	 	 	 	0.65	 	 	 	 	0.94	 	 	 	 	1.72	 	 	 	 	2.71	 	 	 	 	0.60	 	 	 	0.79	 	 	 	1.11	 	 	 	1.82	 	 	 	2.77	 
	 	39
	 	 	 	0.68	 	 	 	 	0.89	 	 	 	 	1.24	 	 	 	2.00	 	 	 	2.98	 	 	 	 	0.57	 	 	 	 	0.70	 	 	 	 	1.01	 	 	 	 	1.87	 	 	 	 	2.92	 	 	 	 	0.66	 	 	 	0.85	 	 	 	1.19	 	 	 	1.97	 	 	 	2.97	 
	 	40
	 	 	 	0.75	 	 	 	 	0.96	 	 	 	 	1.35	 	 	 	2.22	 	 	 	3.26	 	 	 	 	0.62	 	 	 	 	0.75	 	 	 	 	1.10	 	 	 	 	2.03	 	 	 	 	3.14	 	 	 	 	0.72	 	 	 	0.92	 	 	 	1.30	 	 	 	2.18	 	 	 	3.24	 
	 	41
	 	 	 	0.83	 	 	 	 	1.04	 	 	 	 	1.49	 	 	 	2.59	 	 	 	3.72	 	 	 	 	0.67	 	 	 	 	0.81	 	 	 	 	1.20	 	 	 	 	2.20	 	 	 	 	3.37	 	 	 	 	0.80	 	 	 	0.99	 	 	 	1.43	 	 	 	2.51	 	 	 	3.65	 
	 	42
	 	 	 	0.93	 	 	 	 	1.13	 	 	 	 	1.68	 	 	 	2.99	 	 	 	4.23	 	 	 	 	0.72	 	 	 	 	0.88	 	 	 	 	1.32	 	 	 	 	2.38	 	 	 	 	3.62	 	 	 	 	0.89	 	 	 	1.08	 	 	 	1.61	 	 	 	2.87	 	 	 	4.11	 
	 	43
	 	 	 	1.02	 	 	 	 	1.23	 	 	 	 	1.88	 	 	 	3.42	 	 	 	4.80	 	 	 	 	0.77	 	 	 	 	0.95	 	 	 	 	1.43	 	 	 	 	2.57	 	 	 	 	3.89	 	 	 	 	0.97	 	 	 	1.17	 	 	 	1.79	 	 	 	3.25	 	 	 	4.62	 
	 	44
	 	 	 	1.13	 	 	 	 	1.35	 	 	 	 	2.09	 	 	 	3.85	 	 	 	5.41	 	 	 	 	0.83	 	 	 	 	1.03	 	 	 	 	1.56	 	 	 	 	2.77	 	 	 	 	4.18	 	 	 	 	1.07	 	 	 	1.29	 	 	 	1.98	 	 	 	3.63	 	 	 	5.16	 
	 	45
	 	 	 	1.24	 	 	 	 	1.47	 	 	 	 	2.32	 	 	 	4.28	 	 	 	6.05	 	 	 	 	0.89	 	 	 	 	1.11	 	 	 	 	1.68	 	 	 	 	2.98	 	 	 	 	4.50	 	 	 	 	1.17	 	 	 	1.40	 	 	 	2.19	 	 	 	4.02	 	 	 	5.74	 
	 	46
	 	 	 	1.35	 	 	 	 	1.61	 	 	 	 	2.58	 	 	 	4.66	 	 	 	6.69	 	 	 	 	0.95	 	 	 	 	1.20	 	 	 	 	1.82	 	 	 	 	3.20	 	 	 	 	4.88	 	 	 	 	1.27	 	 	 	1.53	 	 	 	2.43	 	 	 	4.37	 	 	 	6.33	 
	 	47
	 	 	 	1.48	 	 	 	 	1.76	 	 	 	 	2.84	 	 	 	5.06	 	 	 	7.38	 	 	 	 	1.02	 	 	 	 	1.30	 	 	 	 	1.95	 	 	 	 	3.43	 	 	 	 	5.27	 	 	 	 	1.39	 	 	 	1.67	 	 	 	2.66	 	 	 	4.73	 	 	 	6.96	 
	 	48
	 	 	 	1.61	 	 	 	 	1.93	 	 	 	 	3.11	 	 	 	5.49	 	 	 	8.10	 	 	 	 	1.10	 	 	 	 	1.40	 	 	 	 	2.08	 	 	 	 	3.69	 	 	 	 	5.68	 	 	 	 	1.51	 	 	 	1.82	 	 	 	2.90	 	 	 	5.13	 	 	 	7.62	 
	 	49
	 	 	 	1.76	 	 	 	 	2.12	 	 	 	 	3.39	 	 	 	5.97	 	 	 	8.87	 	 	 	 	1.19	 	 	 	 	1.50	 	 	 	 	2.20	 	 	 	 	3.96	 	 	 	 	6.11	 	 	 	 	1.65	 	 	 	2.00	 	 	 	3.15	 	 	 	5.57	 	 	 	8.32	 
	 	50
	 	 	 	1.92	 	 	 	 	2.33	 	 	 	 	3.68	 	 	 	6.49	 	 	 	9.70	 	 	 	 	1.29	 	 	 	 	1.61	 	 	 	 	2.32	 	 	 	 	4.26	 	 	 	 	6.55	 	 	 	 	1.79	 	 	 	2.19	 	 	 	3.41	 	 	 	6.04	 	 	 	9.07	 
	 	51
	 	 	 	2.11	 	 	 	 	2.58	 	 	 	 	3.98	 	 	 	7.14	 	 	 	10.66	 	 	 	 	1.40	 	 	 	 	1.72	 	 	 	 	2.43	 	 	 	 	4.62	 	 	 	 	6.94	 	 	 	 	1.97	 	 	 	2.41	 	 	 	3.67	 	 	 	6.64	 	 	 	9.92	 
	 	52
	 	 	 	2.32	 	 	 	 	2.84	 	 	 	 	4.30	 	 	 	7.82	 	 	 	11.66	 	 	 	 	1.52	 	 	 	 	1.84	 	 	 	 	2.55	 	 	 	 	4.99	 	 	 	 	7.41	 	 	 	 	2.16	 	 	 	2.64	 	 	 	3.95	 	 	 	7.25	 	 	 	10.81	 
	 	53
	 	 	 	2.53	 	 	 	 	3.12	 	 	 	 	4.65	 	 	 	8.53	 	 	 	12.69	 	 	 	 	1.66	 	 	 	 	1.96	 	 	 	 	2.69	 	 	 	 	5.36	 	 	 	 	7.96	 	 	 	 	2.36	 	 	 	2.89	 	 	 	4.26	 	 	 	7.90	 	 	 	11.74	 
	 	54
	 	 	 	2.75	 	 	 	 	3.42	 	 	 	 	5.03	 	 	 	9.27	 	 	 	13.77	 	 	 	 	1.82	 	 	 	 	2.10	 	 	 	 	2.86	 	 	 	 	5.75	 	 	 	 	8.62	 	 	 	 	2.56	 	 	 	3.16	 	 	 	4.60	 	 	 	8.57	 	 	 	12.74	 
	 	55
	 	 	 	2.99	 	 	 	 	3.74	 	 	 	 	5.47	 	 	 	10.05	 	 	 	14.91	 	 	 	 	2.00	 	 	 	 	2.26	 	 	 	 	3.07	 	 	 	 	6.15	 	 	 	 	9.40	 	 	 	 	2.79	 	 	 	3.44	 	 	 	4.99	 	 	 	9.27	 	 	 	13.81	 
	 	56
	 	 	 	3.25	 	 	 	 	4.10	 	 	 	 	5.97	 	 	 	10.88	 	 	 	16.14	 	 	 	 	2.20	 	 	 	 	2.44	 	 	 	 	3.33	 	 	 	 	6.57	 	 	 	 	10.30	 	 	 	 	3.04	 	 	 	3.77	 	 	 	5.44	 	 	 	10.02	 	 	 	14.97	 
	 	57
	 	 	 	3.53	 	 	 	 	4.49	 	 	 	 	6.55	 	 	 	11.79	 	 	 	17.49	 	 	 	 	2.41	 	 	 	 	2.64	 	 	 	 	3.63	 	 	 	 	7.02	 	 	 	 	11.33	 	 	 	 	3.31	 	 	 	4.12	 	 	 	5.97	 	 	 	10.84	 	 	 	16.26	 
	 	58
	 	 	 	3.85	 	 	 	 	4.94	 	 	 	 	7.23	 	 	 	12.80	 	 	 	19.01	 	 	 	 	2.65	 	 	 	 	2.87	 	 	 	 	4.00	 	 	 	 	7.52	 	 	 	 	12.49	 	 	 	 	3.61	 	 	 	4.53	 	 	 	6.58	 	 	 	11.74	 	 	 	17.71	 
	 	59
	 	 	 	4.22	 	 	 	 	5.45	 	 	 	 	8.03	 	 	 	13.94	 	 	 	20.76	 	 	 	 	2.90	 	 	 	 	3.14	 	 	 	 	4.43	 	 	 	 	8.09	 	 	 	 	13.75	 	 	 	 	3.96	 	 	 	4.99	 	 	 	7.31	 	 	 	12.77	 	 	 	19.36	 
	 	60
	 	 	 	4.65	 	 	 	 	6.05	 	 	 	 	8.98	 	 	 	15.25	 	 	 	22.79	 	 	 	 	3.16	 	 	 	 	3.45	 	 	 	 	4.94	 	 	 	 	8.75	 	 	 	 	15.11	 	 	 	 	4.35	 	 	 	5.53	 	 	 	8.17	 	 	 	13.95	 	 	 	21.25	 
	 	61
	 	 	 	5.15	 	 	 	 	6.74	 	 	 	 	10.09	 	 	 	16.78	 	 	 	25.18	 	 	 	 	3.44	 	 	 	 	3.81	 	 	 	 	5.53	 	 	 	 	9.52	 	 	 	 	16.55	 	 	 	 	4.81	 	 	 	6.15	 	 	 	9.18	 	 	 	15.33	 	 	 	23.45	 
	 	62
	 	 	 	5.75	 	 	 	 	7.56	 	 	 	 	11.40	 	 	 	18.58	 	 	 	28.02	 	 	 	 	3.72	 	 	 	 	4.23	 	 	 	 	6.20	 	 	 	 	10.44	 	 	 	 	18.04	 	 	 	 	5.34	 	 	 	6.89	 	 	 	10.36	 	 	 	16.95	 	 	 	26.02	 
	 	63
	 	 	 	6.46	 	 	 	 	8.51	 	 	 	 	12.93	 	 	 	20.70	 	 	 	31.39	 	 	 	 	4.01	 	 	 	 	4.71	 	 	 	 	6.96	 	 	 	 	11.53	 	 	 	 	19.56	 	 	 	 	5.97	 	 	 	7.75	 	 	 	11.74	 	 	 	18.87	 	 	 	29.02	 
	 	64
	 	 	 	7.30	 	 	 	 	9.63	 	 	 	 	14.72	 	 	 	23.21	 	 	 	35.39	 	 	 	 	4.30	 	 	 	 	5.26	 	 	 	 	7.81	 	 	 	 	12.84	 	 	 	 	21.06	 	 	 	 	6.70	 	 	 	8.76	 	 	 	13.34	 	 	 	21.14	 	 	 	32.52	 
	 	65
	 	 	 	8.30	 	 	 	 	10.94	 	 	 	 	16.80	 	 	 	26.18	 	 	 	40.13	 	 	 	 	4.58	 	 	 	 	5.90	 	 	 	 	8.77	 	 	 	 	14.41	 	 	 	 	22.51	 	 	 	 	7.56	 	 	 	9.93	 	 	 	15.19	 	 	 	23.83	 	 	 	36.61	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	20 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	Stnd SM	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	1.09	 	 	 	 	 	 	 	 	 	2.76	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.80	 	 	 	 	 	 	 	 	1.92	 	 	 	 	 	 	 	 	 	 	 	1.03	 	 	 	 	 	 	 	2.59	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	16
	 	 	 	 	 	 	 	 	 	 	 	 	 	1.09	 	 	 	 	 	 	 	 	 	2.76	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.80	 	 	 	 	 	 	 	 	1.92	 	 	 	 	 	 	 	 	 	 	 	1.03	 	 	 	 	 	 	 	2.59	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	17
	 	 	 	 	 	 	 	 	 	 	 	 	 	1.09	 	 	 	 	 	 	 	 	 	2.76	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.80	 	 	 	 	 	 	 	 	1.92	 	 	 	 	 	 	 	 	 	 	 	1.03	 	 	 	 	 	 	 	2.59	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	1.09	 	 	 	 	 	 	 	 	 	2.76	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.80	 	 	 	 	 	 	 	 	1.92	 	 	 	 	 	 	 	 	 	 	 	1.03	 	 	 	 	 	 	 	2.59	 
	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	1.09	 	 	 	 	 	 	 	 	 	2.76	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0.80	 	 	 	 	 	 	 	 	1.92	 	 	 	 	 	 	 	 	 	 	 	1.03	 	 	 	 	 	 	 	2.59	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	20
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.43	 	 	 	 	0.63	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.92	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.59	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	21
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.43	 	 	 	 	0.63	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.92	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.59	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	22
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.43	 	 	 	 	0.63	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.92	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.59	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	23
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.43	 	 	 	 	0.63	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.92	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.59	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	24
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.43	 	 	 	 	0.64	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.92	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.59	 
	 	25
	 	 	 	0.63	 	 	 	 	0.77	 	 	 	 	1.09	 	 	 	 	1.66	 	 	 	 	2.76	 	 	 	 	0.44	 	 	 	 	0.64	 	 	 	 	0.80	 	 	 	 	1.19	 	 	 	1.95	 	 	 	0.59	 	 	 	0.74	 	 	 	1.03	 	 	 	1.57	 	 	 	2.60	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	20 YEAR HIGH BAND
	 	 	 	 	Male	 	 	Female	 	Unisex
	 	Age	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	 	Stnd SM	 	 	Pref+	 	 	Pref NS	 	 	Stnd NS	 	 	Pref SM	 	Stnd SM	 	Pref+	 	Pref NS	 	Stnd NS	 	Pref SM	 	Stnd SM
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	26
	 	 	 	0.64	 	 	 	 	0.79	 	 	 	 	1.11	 	 	 	 	1.68	 	 	 	 	2.76	 	 	 	 	0.45	 	 	 	 	0.64	 	 	 	 	0.82	 	 	 	 	1.23	 	 	 	2.02	 	 	 	0.60	 	 	 	0.76	 	 	 	1.05	 	 	 	1.59	 	 	 	2.61	 
	 	27
	 	 	 	0.64	 	 	 	 	0.82	 	 	 	 	1.13	 	 	 	 	1.70	 	 	 	 	2.76	 	 	 	 	0.46	 	 	 	 	0.65	 	 	 	 	0.84	 	 	 	 	1.27	 	 	 	2.08	 	 	 	0.60	 	 	 	0.79	 	 	 	1.07	 	 	 	1.61	 	 	 	2.62	 
	 	28
	 	 	 	0.65	 	 	 	 	0.84	 	 	 	 	1.16	 	 	 	 	1.73	 	 	 	 	2.76	 	 	 	 	0.47	 	 	 	 	0.65	 	 	 	 	0.87	 	 	 	 	1.32	 	 	 	2.15	 	 	 	0.61	 	 	 	0.80	 	 	 	1.10	 	 	 	1.65	 	 	 	2.64	 
	 	29
	 	 	 	0.65	 	 	 	 	0.86	 	 	 	 	1.19	 	 	 	 	1.76	 	 	 	 	2.77	 	 	 	 	0.49	 	 	 	 	0.66	 	 	 	 	0.90	 	 	 	 	1.37	 	 	 	2.22	 	 	 	0.62	 	 	 	0.82	 	 	 	1.13	 	 	 	1.68	 	 	 	2.66	 
	 	30
	 	 	 	0.65	 	 	 	 	0.88	 	 	 	 	1.22	 	 	 	 	1.80	 	 	 	 	2.83	 	 	 	 	0.51	 	 	 	 	0.67	 	 	 	 	0.94	 	 	 	 	1.42	 	 	 	2.28	 	 	 	0.62	 	 	 	0.84	 	 	 	1.16	 	 	 	1.72	 	 	 	2.72	 
	 	31
	 	 	 	0.66	 	 	 	 	0.90	 	 	 	 	1.23	 	 	 	 	1.84	 	 	 	 	2.94	 	 	 	 	0.51	 	 	 	 	0.68	 	 	 	 	0.95	 	 	 	 	1.46	 	 	 	2.31	 	 	 	0.63	 	 	 	0.86	 	 	 	1.17	 	 	 	1.76	 	 	 	2.81	 
	 	32
	 	 	 	0.66	 	 	 	 	0.92	 	 	 	 	1.25	 	 	 	 	1.90	 	 	 	 	3.07	 	 	 	 	0.51	 	 	 	 	0.69	 	 	 	 	0.96	 	 	 	 	1.50	 	 	 	2.35	 	 	 	0.63	 	 	 	0.87	 	 	 	1.19	 	 	 	1.82	 	 	 	2.93	 
	 	33
	 	 	 	0.66	 	 	 	 	0.94	 	 	 	 	1.27	 	 	 	 	1.97	 	 	 	 	3.22	 	 	 	 	0.52	 	 	 	 	0.71	 	 	 	 	0.97	 	 	 	 	1.56	 	 	 	2.42	 	 	 	0.63	 	 	 	0.89	 	 	 	1.21	 	 	 	1.89	 	 	 	3.06	 
	 	34
	 	 	 	0.67	 	 	 	 	0.96	 	 	 	 	1.29	 	 	 	 	2.07	 	 	 	 	3.39	 	 	 	 	0.52	 	 	 	 	0.74	 	 	 	 	0.98	 	 	 	 	1.64	 	 	 	2.53	 	 	 	0.64	 	 	 	0.92	 	 	 	1.23	 	 	 	1.98	 	 	 	3.22	 
	 	35
	 	 	 	0.67	 	 	 	 	0.98	 	 	 	 	1.31	 	 	 	 	2.20	 	 	 	 	3.59	 	 	 	 	0.52	 	 	 	 	0.78	 	 	 	 	1.00	 	 	 	 	1.73	 	 	 	2.68	 	 	 	0.64	 	 	 	0.94	 	 	 	1.25	 	 	 	2.11	 	 	 	3.41	 
	 	36
	 	 	 	0.72	 	 	 	 	1.05	 	 	 	 	1.38	 	 	 	 	2.35	 	 	 	 	3.78	 	 	 	 	0.57	 	 	 	 	0.84	 	 	 	 	1.10	 	 	 	 	1.85	 	 	 	2.91	 	 	 	0.69	 	 	 	1.01	 	 	 	1.32	 	 	 	2.25	 	 	 	3.61	 
	 	37
	 	 	 	0.78	 	 	 	 	1.14	 	 	 	 	1.46	 	 	 	 	2.54	 	 	 	 	4.01	 	 	 	 	0.62	 	 	 	 	0.90	 	 	 	 	1.20	 	 	 	 	1.99	 	 	 	3.16	 	 	 	0.75	 	 	 	1.09	 	 	 	1.41	 	 	 	2.43	 	 	 	3.84	 
	 	38
	 	 	 	0.85	 	 	 	 	1.22	 	 	 	 	1.58	 	 	 	 	2.78	 	 	 	 	4.30	 	 	 	 	0.67	 	 	 	 	0.97	 	 	 	 	1.32	 	 	 	 	2.14	 	 	 	3.44	 	 	 	0.81	 	 	 	1.17	 	 	 	1.53	 	 	 	2.65	 	 	 	4.13	 
	 	39
	 	 	 	0.93	 	 	 	 	1.30	 	 	 	 	1.72	 	 	 	 	3.06	 	 	 	 	4.66	 	 	 	 	0.72	 	 	 	 	1.05	 	 	 	 	1.44	 	 	 	 	2.32	 	 	 	3.73	 	 	 	0.89	 	 	 	1.25	 	 	 	1.66	 	 	 	2.91	 	 	 	4.47	 
	 	40
	 	 	 	1.02	 	 	 	 	1.39	 	 	 	 	1.88	 	 	 	 	3.39	 	 	 	 	5.09	 	 	 	 	0.78	 	 	 	 	1.12	 	 	 	 	1.56	 	 	 	 	2.51	 	 	 	4.04	 	 	 	0.97	 	 	 	1.34	 	 	 	1.82	 	 	 	3.21	 	 	 	4.88	 
	 	41
	 	 	 	1.12	 	 	 	 	1.45	 	 	 	 	2.08	 	 	 	 	3.80	 	 	 	 	5.64	 	 	 	 	0.82	 	 	 	 	1.19	 	 	 	 	1.66	 	 	 	 	2.73	 	 	 	4.34	 	 	 	1.06	 	 	 	1.40	 	 	 	2.00	 	 	 	3.59	 	 	 	5.38	 
	 	42
	 	 	 	1.23	 	 	 	 	1.53	 	 	 	 	2.30	 	 	 	 	4.24	 	 	 	 	6.24	 	 	 	 	0.87	 	 	 	 	1.26	 	 	 	 	1.77	 	 	 	 	2.95	 	 	 	4.67	 	 	 	1.16	 	 	 	1.48	 	 	 	2.19	 	 	 	3.98	 	 	 	5.93	 
	 	43
	 	 	 	1.36	 	 	 	 	1.63	 	 	 	 	2.55	 	 	 	 	4.71	 	 	 	 	6.89	 	 	 	 	0.93	 	 	 	 	1.34	 	 	 	 	1.89	 	 	 	 	3.20	 	 	 	5.02	 	 	 	1.27	 	 	 	1.57	 	 	 	2.42	 	 	 	4.41	 	 	 	6.52	 
	 	44
	 	 	 	1.50	 	 	 	 	1.76	 	 	 	 	2.80	 	 	 	 	5.21	 	 	 	 	7.59	 	 	 	 	1.01	 	 	 	 	1.43	 	 	 	 	2.03	 	 	 	 	3.45	 	 	 	5.40	 	 	 	1.40	 	 	 	1.69	 	 	 	2.65	 	 	 	4.86	 	 	 	7.15	 
	 	45
	 	 	 	1.66	 	 	 	 	1.92	 	 	 	 	3.08	 	 	 	 	5.74	 	 	 	 	8.33	 	 	 	 	1.10	 	 	 	 	1.53	 	 	 	 	2.18	 	 	 	 	3.72	 	 	 	5.81	 	 	 	1.55	 	 	 	1.84	 	 	 	2.90	 	 	 	5.34	 	 	 	7.83	 
	 	46
	 	 	 	1.88	 	 	 	 	2.14	 	 	 	 	3.38	 	 	 	 	6.28	 	 	 	 	9.07	 	 	 	 	1.23	 	 	 	 	1.66	 	 	 	 	2.39	 	 	 	 	3.99	 	 	 	6.27	 	 	 	1.75	 	 	 	2.04	 	 	 	3.18	 	 	 	5.82	 	 	 	8.51	 
	 	47
	 	 	 	2.10	 	 	 	 	2.38	 	 	 	 	3.69	 	 	 	 	6.85	 	 	 	 	9.88	 	 	 	 	1.37	 	 	 	 	1.79	 	 	 	 	2.59	 	 	 	 	4.29	 	 	 	6.76	 	 	 	1.95	 	 	 	2.26	 	 	 	3.47	 	 	 	6.34	 	 	 	9.26	 
	 	48
	 	 	 	2.30	 	 	 	 	2.64	 	 	 	 	4.02	 	 	 	 	7.46	 	 	 	 	10.76	 	 	 	 	1.51	 	 	 	 	1.92	 	 	 	 	2.78	 	 	 	 	4.60	 	 	 	7.27	 	 	 	2.14	 	 	 	2.50	 	 	 	3.77	 	 	 	6.89	 	 	 	10.06	 
	 	49
	 	 	 	2.51	 	 	 	 	2.90	 	 	 	 	4.37	 	 	 	 	8.12	 	 	 	 	11.74	 	 	 	 	1.66	 	 	 	 	2.06	 	 	 	 	2.96	 	 	 	 	4.93	 	 	 	7.81	 	 	 	2.34	 	 	 	2.73	 	 	 	4.09	 	 	 	7.48	 	 	 	10.95	 
	 	50
	 	 	 	2.70	 	 	 	 	3.18	 	 	 	 	4.73	 	 	 	 	8.83	 	 	 	 	12.80	 	 	 	 	1.80	 	 	 	 	2.19	 	 	 	 	3.13	 	 	 	 	5.29	 	 	 	8.38	 	 	 	2.52	 	 	 	2.98	 	 	 	4.41	 	 	 	8.12	 	 	 	11.92	 
	 	51
	 	 	 	2.89	 	 	 	 	3.47	 	 	 	 	5.12	 	 	 	 	9.59	 	 	 	 	13.96	 	 	 	 	1.95	 	 	 	 	2.33	 	 	 	 	3.29	 	 	 	 	5.67	 	 	 	8.98	 	 	 	2.70	 	 	 	3.24	 	 	 	4.75	 	 	 	8.81	 	 	 	12.96	 
	 	52
	 	 	 	3.10	 	 	 	 	3.78	 	 	 	 	5.54	 	 	 	 	10.42	 	 	 	 	15.22	 	 	 	 	2.10	 	 	 	 	2.47	 	 	 	 	3.45	 	 	 	 	6.09	 	 	 	9.60	 	 	 	2.90	 	 	 	3.52	 	 	 	5.12	 	 	 	9.55	 	 	 	14.10	 
	 	53
	 	 	 	3.33	 	 	 	 	4.11	 	 	 	 	6.00	 	 	 	 	11.31	 	 	 	 	16.57	 	 	 	 	2.25	 	 	 	 	2.63	 	 	 	 	3.62	 	 	 	 	6.53	 	 	 	10.27	 	 	 	3.11	 	 	 	3.81	 	 	 	5.52	 	 	 	10.35	 	 	 	15.31	 
	 	54
	 	 	 	3.61	 	 	 	 	4.47	 	 	 	 	6.52	 	 	 	 	12.26	 	 	 	 	18.02	 	 	 	 	2.42	 	 	 	 	2.80	 	 	 	 	3.81	 	 	 	 	7.01	 	 	 	10.98	 	 	 	3.37	 	 	 	4.14	 	 	 	5.98	 	 	 	11.21	 	 	 	16.61	 
	 	55
	 	 	 	3.95	 	 	 	 	4.87	 	 	 	 	7.09	 	 	 	 	13.29	 	 	 	 	19.56	 	 	 	 	2.60	 	 	 	 	2.99	 	 	 	 	4.05	 	 	 	 	7.53	 	 	 	11.73	 	 	 	3.68	 	 	 	4.49	 	 	 	6.48	 	 	 	12.14	 	 	 	17.99	 
	 	56
	 	 	 	4.39	 	 	 	 	5.32	 	 	 	 	7.74	 	 	 	 	14.40	 	 	 	 	21.18	 	 	 	 	2.81	 	 	 	 	3.22	 	 	 	 	4.36	 	 	 	 	8.08	 	 	 	12.54	 	 	 	4.07	 	 	 	4.90	 	 	 	7.06	 	 	 	13.14	 	 	 	19.45	 
	 	57
	 	 	 	4.95	 	 	 	 	5.84	 	 	 	 	8.48	 	 	 	 	15.58	 	 	 	 	22.87	 	 	 	 	3.05	 	 	 	 	3.48	 	 	 	 	4.75	 	 	 	 	8.68	 	 	 	13.41	 	 	 	4.57	 	 	 	5.37	 	 	 	7.73	 	 	 	14.20	 	 	 	20.98	 
	 	58
	 	 	 	5.67	 	 	 	 	6.44	 	 	 	 	9.33	 	 	 	 	16.85	 	 	 	 	24.61	 	 	 	 	3.33	 	 	 	 	3.81	 	 	 	 	5.27	 	 	 	 	9.32	 	 	 	14.36	 	 	 	5.20	 	 	 	5.91	 	 	 	8.52	 	 	 	15.34	 	 	 	22.56	 
	 	59
	 	 	 	6.58	 	 	 	 	7.15	 	 	 	 	10.30	 	 	 	 	18.21	 	 	 	 	26.40	 	 	 	 	3.67	 	 	 	 	4.19	 	 	 	 	5.94	 	 	 	 	10.00	 	 	 	15.39	 	 	 	6.00	 	 	 	6.56	 	 	 	9.43	 	 	 	16.57	 	 	 	24.20	 
	 	60
	 	 	 	7.74	 	 	 	 	7.97	 	 	 	 	11.41	 	 	 	 	19.66	 	 	 	 	28.22	 	 	 	 	4.07	 	 	 	 	4.66	 	 	 	 	6.80	 	 	 	 	10.73	 	 	 	16.52	 	 	 	7.01	 	 	 	7.31	 	 	 	10.49	 	 	 	17.87	 	 	 	25.88	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Additional Term Rider Rates - All Bands	 	Additional Term Rider Rates - All Bands	 	Additional Term Rider Rates - All Bands
	 	 	SAFECO-Term 5	 	SAFECO-Term 5	 	SAFECO-Term 5
	 	 	Guaranteed Premium Rates - Males - Years 1-5	 	Guaranteed Premium Rates - Females - Years 1-5	 	Guaranteed Premium Rates - Unisex - Years 1-5
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	16
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	17
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	18
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	19
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	20
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	21
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	22
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	23
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	24
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	25
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	26
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.36	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.31	 
	27
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.38	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.33	 
	28
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.56	 	 	 	2.39	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.52	 	 	 	2.33	 
	29
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.57	 	 	 	2.41	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.53	 	 	 	2.35	 
	30
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.60	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.55	 	 	 	2.37	 
	31
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.63	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.38	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.58	 	 	 	2.37	 
	32
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.66	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.40	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.61	 	 	 	2.37	 
	33
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.72	 	 	 	2.44	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.43	 	 	 	2.12	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.66	 	 	 	2.38	 
	34
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.78	 	 	 	2.47	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.48	 	 	 	2.15	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.72	 	 	 	2.41	 
	35
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.85	 	 	 	2.52	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.55	 	 	 	2.20	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.79	 	 	 	2.46	 
	36
	 	 	0.90	 	 	 	1.01	 	 	 	1.24	 	 	 	1.94	 	 	 	2.60	 	 	 	0.82	 	 	 	0.91	 	 	 	1.11	 	 	 	1.64	 	 	 	2.28	 	 	 	0.88	 	 	 	0.99	 	 	 	1.21	 	 	 	1.88	 	 	 	2.54	 
	37
	 	 	0.92	 	 	 	1.03	 	 	 	1.31	 	 	 	2.04	 	 	 	2.72	 	 	 	0.83	 	 	 	0.94	 	 	 	1.15	 	 	 	1.75	 	 	 	2.39	 	 	 	0.90	 	 	 	1.01	 	 	 	1.28	 	 	 	1.98	 	 	 	2.65	 
	38
	 	 	0.94	 	 	 	1.07	 	 	 	1.39	 	 	 	2.16	 	 	 	2.86	 	 	 	0.85	 	 	 	0.96	 	 	 	1.20	 	 	 	1.87	 	 	 	2.51	 	 	 	0.92	 	 	 	1.05	 	 	 	1.35	 	 	 	2.10	 	 	 	2.79	 
	39
	 	 	0.97	 	 	 	1.11	 	 	 	1.48	 	 	 	2.31	 	 	 	3.04	 	 	 	0.87	 	 	 	0.99	 	 	 	1.25	 	 	 	2.00	 	 	 	2.65	 	 	 	0.95	 	 	 	1.09	 	 	 	1.43	 	 	 	2.25	 	 	 	2.96	 
	40
	 	 	1.01	 	 	 	1.17	 	 	 	1.57	 	 	 	2.48	 	 	 	3.26	 	 	 	0.90	 	 	 	1.03	 	 	 	1.30	 	 	 	2.14	 	 	 	2.80	 	 	 	0.99	 	 	 	1.14	 	 	 	1.52	 	 	 	2.41	 	 	 	3.17	 
	41
	 	 	1.06	 	 	 	1.24	 	 	 	1.67	 	 	 	2.69	 	 	 	3.52	 	 	 	0.93	 	 	 	1.07	 	 	 	1.36	 	 	 	2.29	 	 	 	2.95	 	 	 	1.03	 	 	 	1.21	 	 	 	1.61	 	 	 	2.61	 	 	 	3.41	 
	42
	 	 	1.13	 	 	 	1.32	 	 	 	1.77	 	 	 	2.93	 	 	 	3.81	 	 	 	0.97	 	 	 	1.12	 	 	 	1.42	 	 	 	2.45	 	 	 	3.11	 	 	 	1.10	 	 	 	1.28	 	 	 	1.70	 	 	 	2.83	 	 	 	3.67	 
	43
	 	 	1.20	 	 	 	1.41	 	 	 	1.89	 	 	 	3.19	 	 	 	4.15	 	 	 	1.01	 	 	 	1.17	 	 	 	1.49	 	 	 	2.61	 	 	 	3.28	 	 	 	1.16	 	 	 	1.36	 	 	 	1.81	 	 	 	3.07	 	 	 	3.98	 
	44
	 	 	1.28	 	 	 	1.51	 	 	 	2.02	 	 	 	3.48	 	 	 	4.52	 	 	 	1.05	 	 	 	1.23	 	 	 	1.57	 	 	 	2.76	 	 	 	3.47	 	 	 	1.23	 	 	 	1.45	 	 	 	1.93	 	 	 	3.34	 	 	 	4.31	 
	45
	 	 	1.37	 	 	 	1.62	 	 	 	2.16	 	 	 	3.78	 	 	 	4.93	 	 	 	1.10	 	 	 	1.29	 	 	 	1.66	 	 	 	2.90	 	 	 	3.70	 	 	 	1.32	 	 	 	1.55	 	 	 	2.06	 	 	 	3.60	 	 	 	4.68	 
	46
	 	 	1.46	 	 	 	1.73	 	 	 	2.32	 	 	 	4.09	 	 	 	5.37	 	 	 	1.16	 	 	 	1.36	 	 	 	1.77	 	 	 	3.00	 	 	 	3.97	 	 	 	1.40	 	 	 	1.66	 	 	 	2.21	 	 	 	3.87	 	 	 	5.09	 
	47
	 	 	1.56	 	 	 	1.86	 	 	 	2.50	 	 	 	4.43	 	 	 	5.85	 	 	 	1.22	 	 	 	1.44	 	 	 	1.89	 	 	 	3.09	 	 	 	4.26	 	 	 	1.49	 	 	 	1.78	 	 	 	2.38	 	 	 	4.16	 	 	 	5.53	 
	48
	 	 	1.67	 	 	 	1.99	 	 	 	2.70	 	 	 	4.78	 	 	 	6.38	 	 	 	1.29	 	 	 	1.52	 	 	 	2.02	 	 	 	3.18	 	 	 	4.59	 	 	 	1.59	 	 	 	1.90	 	 	 	2.56	 	 	 	4.46	 	 	 	6.02	 
	49
	 	 	1.79	 	 	 	2.14	 	 	 	2.91	 	 	 	5.16	 	 	 	6.94	 	 	 	1.36	 	 	 	1.61	 	 	 	2.15	 	 	 	3.31	 	 	 	4.92	 	 	 	1.70	 	 	 	2.03	 	 	 	2.76	 	 	 	4.79	 	 	 	6.54	 
	50
	 	 	1.92	 	 	 	2.30	 	 	 	3.14	 	 	 	5.57	 	 	 	7.54	 	 	 	1.43	 	 	 	1.70	 	 	 	2.29	 	 	 	3.49	 	 	 	5.25	 	 	 	1.82	 	 	 	2.18	 	 	 	2.97	 	 	 	5.15	 	 	 	7.08	 
	51
	 	 	2.06	 	 	 	2.48	 	 	 	3.37	 	 	 	6.01	 	 	 	8.18	 	 	 	1.50	 	 	 	1.79	 	 	 	2.42	 	 	 	3.75	 	 	 	5.56	 	 	 	1.95	 	 	 	2.34	 	 	 	3.18	 	 	 	5.56	 	 	 	7.66	 
	52
	 	 	2.21	 	 	 	2.67	 	 	 	3.63	 	 	 	6.49	 	 	 	8.88	 	 	 	1.58	 	 	 	1.88	 	 	 	2.56	 	 	 	4.08	 	 	 	5.88	 	 	 	2.08	 	 	 	2.51	 	 	 	3.42	 	 	 	6.01	 	 	 	8.28	 
	53
	 	 	2.38	 	 	 	2.89	 	 	 	3.91	 	 	 	7.00	 	 	 	9.63	 	 	 	1.66	 	 	 	1.98	 	 	 	2.71	 	 	 	4.45	 	 	 	6.22	 	 	 	2.24	 	 	 	2.71	 	 	 	3.67	 	 	 	6.49	 	 	 	8.95	 
	54
	 	 	2.57	 	 	 	3.13	 	 	 	4.23	 	 	 	7.55	 	 	 	10.43	 	 	 	1.76	 	 	 	2.10	 	 	 	2.87	 	 	 	4.83	 	 	 	6.61	 	 	 	2.41	 	 	 	2.92	 	 	 	3.96	 	 	 	7.01	 	 	 	9.67	 
	55
	 	 	2.77	 	 	 	3.37	 	 	 	4.58	 	 	 	8.09	 	 	 	11.25	 	 	 	1.88	 	 	 	2.25	 	 	 	3.07	 	 	 	5.19	 	 	 	7.06	 	 	 	2.59	 	 	 	3.15	 	 	 	4.28	 	 	 	7.51	 	 	 	10.41	 
	56
	 	 	2.98	 	 	 	3.62	 	 	 	4.96	 	 	 	8.62	 	 	 	12.06	 	 	 	2.02	 	 	 	2.43	 	 	 	3.30	 	 	 	5.51	 	 	 	7.59	 	 	 	2.79	 	 	 	3.38	 	 	 	4.63	 	 	 	8.00	 	 	 	11.17	 
	57
	 	 	3.22	 	 	 	3.89	 	 	 	5.39	 	 	 	9.18	 	 	 	12.93	 	 	 	2.18	 	 	 	2.63	 	 	 	3.56	 	 	 	5.83	 	 	 	8.19	 	 	 	3.01	 	 	 	3.64	 	 	 	5.02	 	 	 	8.51	 	 	 	11.98	 
	58
	 	 	3.50	 	 	 	4.20	 	 	 	5.88	 	 	 	9.83	 	 	 	13.93	 	 	 	2.36	 	 	 	2.86	 	 	 	3.85	 	 	 	6.18	 	 	 	8.86	 	 	 	3.27	 	 	 	3.93	 	 	 	5.47	 	 	 	9.10	 	 	 	12.92	 
	59
	 	 	3.83	 	 	 	4.57	 	 	 	6.47	 	 	 	10.62	 	 	 	15.16	 	 	 	2.55	 	 	 	3.11	 	 	 	4.18	 	 	 	6.58	 	 	 	9.60	 	 	 	3.57	 	 	 	4.28	 	 	 	6.01	 	 	 	9.81	 	 	 	14.05	 
	60
	 	 	4.22	 	 	 	5.03	 	 	 	7.17	 	 	 	11.59	 	 	 	16.69	 	 	 	2.76	 	 	 	3.36	 	 	 	4.54	 	 	 	7.05	 	 	 	10.41	 	 	 	3.93	 	 	 	4.70	 	 	 	6.64	 	 	 	10.68	 	 	 	15.43	 
	61
	 	 	4.69	 	 	 	5.59	 	 	 	8.01	 	 	 	12.79	 	 	 	18.59	 	 	 	2.98	 	 	 	3.62	 	 	 	4.93	 	 	 	7.60	 	 	 	11.29	 	 	 	4.35	 	 	 	5.20	 	 	 	7.39	 	 	 	11.75	 	 	 	17.13	 
	62
	 	 	5.24	 	 	 	6.25	 	 	 	8.98	 	 	 	14.20	 	 	 	20.83	 	 	 	3.22	 	 	 	3.90	 	 	 	5.37	 	 	 	8.23	 	 	 	12.26	 	 	 	4.84	 	 	 	5.78	 	 	 	8.26	 	 	 	13.01	 	 	 	19.12	 
	63
	 	 	5.86	 	 	 	6.99	 	 	 	10.07	 	 	 	15.82	 	 	 	23.37	 	 	 	3.49	 	 	 	4.21	 	 	 	5.86	 	 	 	8.97	 	 	 	13.33	 	 	 	5.39	 	 	 	6.43	 	 	 	9.23	 	 	 	14.45	 	 	 	21.36	 
	64
	 	 	6.55	 	 	 	7.80	 	 	 	11.28	 	 	 	17.69	 	 	 	26.20	 	 	 	3.78	 	 	 	4.53	 	 	 	6.38	 	 	 	9.84	 	 	 	14.48	 	 	 	6.00	 	 	 	7.15	 	 	 	10.30	 	 	 	16.12	 	 	 	23.86	 
	65
	 	 	7.30	 	 	 	8.67	 	 	 	12.60	 	 	 	19.83	 	 	 	29.33	 	 	 	4.09	 	 	 	4.87	 	 	 	6.93	 	 	 	10.90	 	 	 	15.68	 	 	 	6.66	 	 	 	7.91	 	 	 	11.47	 	 	 	18.04	 	 	 	26.60	 
	66
	 	 	8.11	 	 	 	9.59	 	 	 	14.03	 	 	 	22.28	 	 	 	32.78	 	 	 	4.41	 	 	 	5.22	 	 	 	7.49	 	 	 	12.20	 	 	 	16.89	 	 	 	7.37	 	 	 	8.72	 	 	 	12.72	 	 	 	20.26	 	 	 	29.60	 
	67
	 	 	8.99	 	 	 	10.60	 	 	 	15.60	 	 	 	25.03	 	 	 	36.52	 	 	 	4.76	 	 	 	5.60	 	 	 	8.10	 	 	 	13.71	 	 	 	18.18	 	 	 	8.14	 	 	 	9.60	 	 	 	14.10	 	 	 	22.77	 	 	 	32.85	 
	68
	 	 	9.95	 	 	 	11.69	 	 	 	17.31	 	 	 	28.01	 	 	 	40.54	 	 	 	5.17	 	 	 	6.05	 	 	 	8.82	 	 	 	15.36	 	 	 	19.67	 	 	 	8.99	 	 	 	10.56	 	 	 	15.61	 	 	 	25.48	 	 	 	36.37	 
	69
	 	 	11.01	 	 	 	12.85	 	 	 	19.17	 	 	 	31.18	 	 	 	44.83	 	 	 	5.66	 	 	 	6.57	 	 	 	9.66	 	 	 	17.04	 	 	 	21.50	 	 	 	9.94	 	 	 	11.59	 	 	 	17.27	 	 	 	28.35	 	 	 	40.16	 
	70
	 	 	12.18	 	 	 	14.06	 	 	 	21.16	 	 	 	34.49	 	 	 	49.40	 	 	 	6.25	 	 	 	7.16	 	 	 	10.63	 	 	 	18.57	 	 	 	23.79	 	 	 	10.99	 	 	 	12.68	 	 	 	19.05	 	 	 	31.31	 	 	 	44.28	 
	71
	 	 	13.47	 	 	 	15.27	 	 	 	23.27	 	 	 	37.91	 	 	 	54.29	 	 	 	6.96	 	 	 	7.80	 	 	 	11.74	 	 	 	19.83	 	 	 	26.67	 	 	 	12.17	 	 	 	13.78	 	 	 	20.96	 	 	 	34.29	 	 	 	48.77	 
	72
	 	 	14.90	 	 	 	16.56	 	 	 	25.55	 	 	 	41.52	 	 	 	59.50	 	 	 	7.78	 	 	 	8.55	 	 	 	13.03	 	 	 	21.01	 	 	 	30.07	 	 	 	13.48	 	 	 	14.96	 	 	 	23.05	 	 	 	37.42	 	 	 	53.61	 
	73
	 	 	16.45	 	 	 	18.04	 	 	 	28.06	 	 	 	45.34	 	 	 	64.93	 	 	 	8.74	 	 	 	9.47	 	 	 	14.58	 	 	 	22.39	 	 	 	33.88	 	 	 	14.91	 	 	 	16.33	 	 	 	25.36	 	 	 	40.75	 	 	 	58.72	 
	74
	 	 	18.11	 	 	 	19.83	 	 	 	30.86	 	 	 	49.37	 	 	 	70.39	 	 	 	9.84	 	 	 	10.68	 	 	 	16.48	 	 	 	24.26	 	 	 	37.95	 	 	 	16.46	 	 	 	18.00	 	 	 	27.98	 	 	 	44.35	 	 	 	63.90	 
	75
	 	 	19.84	 	 	 	22.07	 	 	 	33.99	 	 	 	53.52	 	 	 	75.55	 	 	 	11.10	 	 	 	12.29	 	 	 	18.85	 	 	 	26.92	 	 	 	42.13	 	 	 	18.09	 	 	 	20.11	 	 	 	30.96	 	 	 	48.20	 	 	 	68.87	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	SAFECO-Term 5	 	SAFECO-Term 5	 	SAFECO-Term 5
	 	 	Guaranteed Premium Rates - Males - Years 6-10	 	Guaranteed Premium Rates - Females - Years 6-10	 	Guaranteed Premium Rates - Unisex - Years 6-10
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.11	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	16
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.11	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	17
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.11	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	18
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.11	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	19
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.11	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	20
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	21
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.36	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.31	 
	22
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.38	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.33	 
	23
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.56	 	 	 	2.39	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.52	 	 	 	2.33	 
	24
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.57	 	 	 	2.41	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.53	 	 	 	2.35	 
	25
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.60	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.55	 	 	 	2.37	 
	26
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.63	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.38	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.58	 	 	 	2.37	 
	27
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.66	 	 	 	2.43	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.40	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.61	 	 	 	2.37	 
	28
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.72	 	 	 	2.44	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.43	 	 	 	2.12	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.66	 	 	 	2.38	 
	29
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.78	 	 	 	2.47	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.48	 	 	 	2.15	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.72	 	 	 	2.41	 
	30
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.85	 	 	 	2.52	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.55	 	 	 	2.20	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.79	 	 	 	2.46	 
	31
	 	 	0.90	 	 	 	1.01	 	 	 	1.24	 	 	 	1.94	 	 	 	2.60	 	 	 	0.82	 	 	 	0.91	 	 	 	1.11	 	 	 	1.64	 	 	 	2.28	 	 	 	0.88	 	 	 	0.99	 	 	 	1.21	 	 	 	1.88	 	 	 	2.54	 
	32
	 	 	0.92	 	 	 	1.03	 	 	 	1.31	 	 	 	2.04	 	 	 	2.72	 	 	 	0.83	 	 	 	0.94	 	 	 	1.15	 	 	 	1.75	 	 	 	2.39	 	 	 	0.90	 	 	 	1.01	 	 	 	1.28	 	 	 	1.98	 	 	 	2.65	 
	33
	 	 	0.94	 	 	 	1.07	 	 	 	1.39	 	 	 	2.16	 	 	 	2.86	 	 	 	0.85	 	 	 	0.96	 	 	 	1.20	 	 	 	1.87	 	 	 	2.51	 	 	 	0.92	 	 	 	1.05	 	 	 	1.35	 	 	 	2.10	 	 	 	2.79	 
	34
	 	 	0.97	 	 	 	1.11	 	 	 	1.48	 	 	 	2.31	 	 	 	3.04	 	 	 	0.87	 	 	 	0.99	 	 	 	1.25	 	 	 	2.00	 	 	 	2.65	 	 	 	0.95	 	 	 	1.09	 	 	 	1.43	 	 	 	2.25	 	 	 	2.96	 
	35
	 	 	1.01	 	 	 	1.17	 	 	 	1.57	 	 	 	2.48	 	 	 	3.26	 	 	 	0.90	 	 	 	1.03	 	 	 	1.30	 	 	 	2.14	 	 	 	2.80	 	 	 	0.99	 	 	 	1.14	 	 	 	1.52	 	 	 	2.41	 	 	 	3.17	 
	36
	 	 	1.06	 	 	 	1.24	 	 	 	1.67	 	 	 	2.69	 	 	 	3.52	 	 	 	0.93	 	 	 	1.07	 	 	 	1.36	 	 	 	2.29	 	 	 	2.95	 	 	 	1.03	 	 	 	1.21	 	 	 	1.61	 	 	 	2.61	 	 	 	3.41	 
	37
	 	 	1.13	 	 	 	1.32	 	 	 	1.77	 	 	 	2.93	 	 	 	3.81	 	 	 	0.97	 	 	 	1.12	 	 	 	1.42	 	 	 	2.45	 	 	 	3.11	 	 	 	1.10	 	 	 	1.28	 	 	 	1.70	 	 	 	2.83	 	 	 	3.67	 
	38
	 	 	1.20	 	 	 	1.41	 	 	 	1.89	 	 	 	3.19	 	 	 	4.15	 	 	 	1.01	 	 	 	1.17	 	 	 	1.49	 	 	 	2.61	 	 	 	3.28	 	 	 	1.16	 	 	 	1.36	 	 	 	1.81	 	 	 	3.07	 	 	 	3.98	 
	39
	 	 	1.28	 	 	 	1.51	 	 	 	2.02	 	 	 	3.48	 	 	 	4.52	 	 	 	1.05	 	 	 	1.23	 	 	 	1.57	 	 	 	2.76	 	 	 	3.47	 	 	 	1.23	 	 	 	1.45	 	 	 	1.93	 	 	 	3.34	 	 	 	4.31	 
	40
	 	 	1.37	 	 	 	1.62	 	 	 	2.16	 	 	 	3.78	 	 	 	4.93	 	 	 	1.10	 	 	 	1.29	 	 	 	1.66	 	 	 	2.90	 	 	 	3.70	 	 	 	1.32	 	 	 	1.55	 	 	 	2.06	 	 	 	3.60	 	 	 	4.68	 
	41
	 	 	1.46	 	 	 	1.73	 	 	 	2.32	 	 	 	4.09	 	 	 	5.37	 	 	 	1.16	 	 	 	1.36	 	 	 	1.77	 	 	 	3.00	 	 	 	3.97	 	 	 	1.40	 	 	 	1.66	 	 	 	2.21	 	 	 	3.87	 	 	 	5.09	 
	42
	 	 	1.56	 	 	 	1.86	 	 	 	2.50	 	 	 	4.43	 	 	 	5.85	 	 	 	1.22	 	 	 	1.44	 	 	 	1.89	 	 	 	3.09	 	 	 	4.26	 	 	 	1.49	 	 	 	1.78	 	 	 	2.38	 	 	 	4.16	 	 	 	5.53	 
	43
	 	 	1.67	 	 	 	1.99	 	 	 	2.70	 	 	 	4.78	 	 	 	6.38	 	 	 	1.29	 	 	 	1.52	 	 	 	2.02	 	 	 	3.18	 	 	 	4.59	 	 	 	1.59	 	 	 	1.90	 	 	 	2.56	 	 	 	4.46	 	 	 	6.02	 
	44
	 	 	1.79	 	 	 	2.14	 	 	 	2.91	 	 	 	5.16	 	 	 	6.94	 	 	 	1.36	 	 	 	1.61	 	 	 	2.15	 	 	 	3.31	 	 	 	4.92	 	 	 	1.70	 	 	 	2.03	 	 	 	2.76	 	 	 	4.79	 	 	 	6.54	 
	45
	 	 	1.92	 	 	 	2.30	 	 	 	3.14	 	 	 	5.57	 	 	 	7.54	 	 	 	1.43	 	 	 	1.70	 	 	 	2.29	 	 	 	3.49	 	 	 	5.25	 	 	 	1.82	 	 	 	2.18	 	 	 	2.97	 	 	 	5.15	 	 	 	7.08	 
	46
	 	 	2.06	 	 	 	2.48	 	 	 	3.37	 	 	 	6.01	 	 	 	8.18	 	 	 	1.50	 	 	 	1.79	 	 	 	2.42	 	 	 	3.75	 	 	 	5.56	 	 	 	1.95	 	 	 	2.34	 	 	 	3.18	 	 	 	5.56	 	 	 	7.66	 
	47
	 	 	2.21	 	 	 	2.67	 	 	 	3.63	 	 	 	6.49	 	 	 	8.88	 	 	 	1.58	 	 	 	1.88	 	 	 	2.56	 	 	 	4.08	 	 	 	5.88	 	 	 	2.08	 	 	 	2.51	 	 	 	3.42	 	 	 	6.01	 	 	 	8.28	 
	48
	 	 	2.38	 	 	 	2.89	 	 	 	3.91	 	 	 	7.00	 	 	 	9.63	 	 	 	1.66	 	 	 	1.98	 	 	 	2.71	 	 	 	4.45	 	 	 	6.22	 	 	 	2.24	 	 	 	2.71	 	 	 	3.67	 	 	 	6.49	 	 	 	8.95	 
	49
	 	 	2.57	 	 	 	3.13	 	 	 	4.23	 	 	 	7.55	 	 	 	10.43	 	 	 	1.76	 	 	 	2.10	 	 	 	2.87	 	 	 	4.83	 	 	 	6.61	 	 	 	2.41	 	 	 	2.92	 	 	 	3.96	 	 	 	7.01	 	 	 	9.67	 
	50
	 	 	2.77	 	 	 	3.37	 	 	 	4.58	 	 	 	8.09	 	 	 	11.25	 	 	 	1.88	 	 	 	2.25	 	 	 	3.07	 	 	 	5.19	 	 	 	7.06	 	 	 	2.59	 	 	 	3.15	 	 	 	4.28	 	 	 	7.51	 	 	 	10.41	 
	51
	 	 	2.98	 	 	 	3.62	 	 	 	4.96	 	 	 	8.62	 	 	 	12.06	 	 	 	2.02	 	 	 	2.43	 	 	 	3.30	 	 	 	5.51	 	 	 	7.59	 	 	 	2.79	 	 	 	3.38	 	 	 	4.63	 	 	 	8.00	 	 	 	11.17	 
	52
	 	 	3.22	 	 	 	3.89	 	 	 	5.39	 	 	 	9.18	 	 	 	12.93	 	 	 	2.18	 	 	 	2.63	 	 	 	3.56	 	 	 	5.83	 	 	 	8.19	 	 	 	3.01	 	 	 	3.64	 	 	 	5.02	 	 	 	8.51	 	 	 	11.98	 
	53
	 	 	3.50	 	 	 	4.20	 	 	 	5.88	 	 	 	9.83	 	 	 	13.93	 	 	 	2.36	 	 	 	2.86	 	 	 	3.85	 	 	 	6.18	 	 	 	8.86	 	 	 	3.27	 	 	 	3.93	 	 	 	5.47	 	 	 	9.10	 	 	 	12.92	 
	54
	 	 	3.83	 	 	 	4.57	 	 	 	6.47	 	 	 	10.62	 	 	 	15.16	 	 	 	2.55	 	 	 	3.11	 	 	 	4.18	 	 	 	6.58	 	 	 	9.60	 	 	 	3.57	 	 	 	4.28	 	 	 	6.01	 	 	 	9.81	 	 	 	14.05	 
	55
	 	 	4.22	 	 	 	5.03	 	 	 	7.17	 	 	 	11.59	 	 	 	16.69	 	 	 	2.76	 	 	 	3.36	 	 	 	4.54	 	 	 	7.05	 	 	 	10.41	 	 	 	3.93	 	 	 	4.70	 	 	 	6.64	 	 	 	10.68	 	 	 	15.43	 
	56
	 	 	4.69	 	 	 	5.59	 	 	 	8.01	 	 	 	12.79	 	 	 	18.59	 	 	 	2.98	 	 	 	3.62	 	 	 	4.93	 	 	 	7.60	 	 	 	11.29	 	 	 	4.35	 	 	 	5.20	 	 	 	7.39	 	 	 	11.75	 	 	 	17.13	 
	57
	 	 	5.24	 	 	 	6.25	 	 	 	8.98	 	 	 	14.20	 	 	 	20.83	 	 	 	3.22	 	 	 	3.90	 	 	 	5.37	 	 	 	8.23	 	 	 	12.26	 	 	 	4.84	 	 	 	5.78	 	 	 	8.26	 	 	 	13.01	 	 	 	19.12	 
	58
	 	 	5.86	 	 	 	6.99	 	 	 	10.07	 	 	 	15.82	 	 	 	23.37	 	 	 	3.49	 	 	 	4.21	 	 	 	5.86	 	 	 	8.97	 	 	 	13.33	 	 	 	5.39	 	 	 	6.43	 	 	 	9.23	 	 	 	14.45	 	 	 	21.36	 
	59
	 	 	6.55	 	 	 	7.80	 	 	 	11.28	 	 	 	17.69	 	 	 	26.20	 	 	 	3.78	 	 	 	4.53	 	 	 	6.38	 	 	 	9.84	 	 	 	14.48	 	 	 	6.00	 	 	 	7.15	 	 	 	10.30	 	 	 	16.12	 	 	 	23.86	 
	60
	 	 	7.30	 	 	 	8.67	 	 	 	12.60	 	 	 	19.83	 	 	 	29.33	 	 	 	4.09	 	 	 	4.87	 	 	 	6.93	 	 	 	10.90	 	 	 	15.68	 	 	 	6.66	 	 	 	7.91	 	 	 	11.47	 	 	 	18.04	 	 	 	26.60	 
	61
	 	 	8.11	 	 	 	9.59	 	 	 	14.03	 	 	 	22.28	 	 	 	32.78	 	 	 	4.41	 	 	 	5.22	 	 	 	7.49	 	 	 	12.20	 	 	 	16.89	 	 	 	7.37	 	 	 	8.72	 	 	 	12.72	 	 	 	20.26	 	 	 	29.60	 
	62
	 	 	8.99	 	 	 	10.60	 	 	 	15.60	 	 	 	25.03	 	 	 	36.52	 	 	 	4.76	 	 	 	5.60	 	 	 	8.10	 	 	 	13.71	 	 	 	18.18	 	 	 	8.14	 	 	 	9.60	 	 	 	14.10	 	 	 	22.77	 	 	 	32.85	 
	63
	 	 	9.95	 	 	 	11.69	 	 	 	17.31	 	 	 	28.01	 	 	 	40.54	 	 	 	5.17	 	 	 	6.05	 	 	 	8.82	 	 	 	15.36	 	 	 	19.67	 	 	 	8.99	 	 	 	10.56	 	 	 	15.61	 	 	 	25.48	 	 	 	36.37	 
	64
	 	 	11.01	 	 	 	12.85	 	 	 	19.17	 	 	 	31.18	 	 	 	44.83	 	 	 	5.66	 	 	 	6.57	 	 	 	9.66	 	 	 	17.04	 	 	 	21.50	 	 	 	9.94	 	 	 	11.59	 	 	 	17.27	 	 	 	28.35	 	 	 	40.16	 
	65
	 	 	12.18	 	 	 	14.06	 	 	 	21.16	 	 	 	34.49	 	 	 	49.40	 	 	 	6.25	 	 	 	7.16	 	 	 	10.63	 	 	 	18.57	 	 	 	23.79	 	 	 	10.99	 	 	 	12.68	 	 	 	19.05	 	 	 	31.31	 	 	 	44.28	 
	66
	 	 	13.47	 	 	 	15.27	 	 	 	23.27	 	 	 	37.91	 	 	 	54.29	 	 	 	6.96	 	 	 	7.80	 	 	 	11.74	 	 	 	19.83	 	 	 	26.67	 	 	 	12.17	 	 	 	13.78	 	 	 	20.96	 	 	 	34.29	 	 	 	48.77	 
	67
	 	 	14.90	 	 	 	16.56	 	 	 	25.55	 	 	 	41.52	 	 	 	59.50	 	 	 	7.78	 	 	 	8.55	 	 	 	13.03	 	 	 	21.01	 	 	 	30.07	 	 	 	13.48	 	 	 	14.96	 	 	 	23.05	 	 	 	37.42	 	 	 	53.61	 
	68
	 	 	16.45	 	 	 	18.04	 	 	 	28.06	 	 	 	45.34	 	 	 	64.93	 	 	 	8.74	 	 	 	9.47	 	 	 	14.58	 	 	 	22.39	 	 	 	33.88	 	 	 	14.91	 	 	 	16.33	 	 	 	25.36	 	 	 	40.75	 	 	 	58.72	 
	69
	 	 	18.11	 	 	 	19.83	 	 	 	30.86	 	 	 	49.37	 	 	 	70.39	 	 	 	9.84	 	 	 	10.68	 	 	 	16.48	 	 	 	24.26	 	 	 	37.95	 	 	 	16.46	 	 	 	18.00	 	 	 	27.98	 	 	 	44.35	 	 	 	63.90	 
	70
	 	 	19.84	 	 	 	22.07	 	 	 	33.99	 	 	 	53.52	 	 	 	75.55	 	 	 	11.10	 	 	 	12.29	 	 	 	18.85	 	 	 	26.92	 	 	 	42.13	 	 	 	18.09	 	 	 	20.11	 	 	 	30.96	 	 	 	48.20	 	 	 	68.87	 
	71
	 	 	21.67	 	 	 	24.89	 	 	 	37.56	 	 	 	57.88	 	 	 	80.39	 	 	 	12.54	 	 	 	14.41	 	 	 	21.81	 	 	 	30.66	 	 	 	46.39	 	 	 	19.84	 	 	 	22.79	 	 	 	34.41	 	 	 	52.44	 	 	 	73.59	 
	72
	 	 	23.53	 	 	 	28.15	 	 	 	41.43	 	 	 	62.25	 	 	 	84.74	 	 	 	14.13	 	 	 	16.93	 	 	 	25.24	 	 	 	35.17	 	 	 	50.71	 	 	 	21.65	 	 	 	25.91	 	 	 	38.19	 	 	 	56.83	 	 	 	77.93	 
	73
	 	 	25.57	 	 	 	31.77	 	 	 	45.68	 	 	 	67.02	 	 	 	89.41	 	 	 	15.90	 	 	 	19.77	 	 	 	29.06	 	 	 	40.28	 	 	 	55.40	 	 	 	23.64	 	 	 	29.37	 	 	 	42.36	 	 	 	61.67	 	 	 	82.61	 
	74
	 	 	27.92	 	 	 	35.68	 	 	 	50.39	 	 	 	72.59	 	 	 	95.24	 	 	 	17.86	 	 	 	22.82	 	 	 	33.19	 	 	 	45.83	 	 	 	60.76	 	 	 	25.91	 	 	 	33.11	 	 	 	46.95	 	 	 	67.24	 	 	 	88.34	 
	75
	 	 	30.70	 	 	 	39.82	 	 	 	55.63	 	 	 	79.34	 	 	 	103.05	 	 	 	20.06	 	 	 	25.99	 	 	 	37.55	 	 	 	51.68	 	 	 	67.09	 	 	 	28.57	 	 	 	37.05	 	 	 	52.01	 	 	 	73.81	 	 	 	95.86	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	SAFECO-Term 10	 	SAFECO-Term 10	 	SAFECO-Term 10
	 	 	Guaranteed Premium Rates - Male Riders	 	Guaranteed Premium Rates - Female Riders	 	Guaranteed Premium Rates - Unisex Riders
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	16
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	17
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	18
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	19
	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	0.00	 	 	 	2.35	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.10	 	 	 	0.00	 	 	 	0.00	 	 	 	1.18	 	 	 	0.00	 	 	 	2.30	 
	20
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	21
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	22
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	23
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	24
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.10	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	25
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.53	 	 	 	2.35	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.11	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.30	 
	26
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.36	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.12	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.31	 
	27
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.54	 	 	 	2.38	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.12	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.50	 	 	 	2.33	 
	28
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.56	 	 	 	2.40	 	 	 	0.81	 	 	 	0.90	 	 	 	1.09	 	 	 	1.36	 	 	 	2.13	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.52	 	 	 	2.35	 
	29
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.57	 	 	 	2.42	 	 	 	0.81	 	 	 	0.90	 	 	 	1.10	 	 	 	1.36	 	 	 	2.15	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.53	 	 	 	2.37	 
	30
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.60	 	 	 	2.44	 	 	 	0.81	 	 	 	0.90	 	 	 	1.10	 	 	 	1.38	 	 	 	2.16	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.56	 	 	 	2.38	 
	31
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.63	 	 	 	2.44	 	 	 	0.81	 	 	 	0.90	 	 	 	1.10	 	 	 	1.40	 	 	 	2.16	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.58	 	 	 	2.38	 
	32
	 	 	0.89	 	 	 	0.99	 	 	 	1.20	 	 	 	1.66	 	 	 	2.45	 	 	 	0.81	 	 	 	0.90	 	 	 	1.10	 	 	 	1.42	 	 	 	2.16	 	 	 	0.87	 	 	 	0.97	 	 	 	1.18	 	 	 	1.61	 	 	 	2.39	 
	33
	 	 	0.90	 	 	 	0.99	 	 	 	1.21	 	 	 	1.72	 	 	 	2.46	 	 	 	0.81	 	 	 	0.90	 	 	 	1.10	 	 	 	1.46	 	 	 	2.17	 	 	 	0.88	 	 	 	0.97	 	 	 	1.19	 	 	 	1.67	 	 	 	2.40	 
	34
	 	 	0.91	 	 	 	0.99	 	 	 	1.23	 	 	 	1.78	 	 	 	2.50	 	 	 	0.81	 	 	 	0.91	 	 	 	1.11	 	 	 	1.51	 	 	 	2.20	 	 	 	0.89	 	 	 	0.97	 	 	 	1.21	 	 	 	1.73	 	 	 	2.44	 
	35
	 	 	0.93	 	 	 	1.00	 	 	 	1.27	 	 	 	1.85	 	 	 	2.57	 	 	 	0.82	 	 	 	0.93	 	 	 	1.13	 	 	 	1.58	 	 	 	2.27	 	 	 	0.91	 	 	 	0.99	 	 	 	1.24	 	 	 	1.80	 	 	 	2.51	 
	36
	 	 	0.96	 	 	 	1.04	 	 	 	1.33	 	 	 	1.96	 	 	 	2.68	 	 	 	0.85	 	 	 	0.96	 	 	 	1.17	 	 	 	1.67	 	 	 	2.39	 	 	 	0.94	 	 	 	1.02	 	 	 	1.30	 	 	 	1.90	 	 	 	2.62	 
	37
	 	 	0.99	 	 	 	1.10	 	 	 	1.40	 	 	 	2.10	 	 	 	2.83	 	 	 	0.89	 	 	 	1.01	 	 	 	1.23	 	 	 	1.78	 	 	 	2.54	 	 	 	0.97	 	 	 	1.08	 	 	 	1.37	 	 	 	2.04	 	 	 	2.77	 
	38
	 	 	1.04	 	 	 	1.17	 	 	 	1.49	 	 	 	2.26	 	 	 	3.01	 	 	 	0.93	 	 	 	1.06	 	 	 	1.30	 	 	 	1.91	 	 	 	2.72	 	 	 	1.02	 	 	 	1.15	 	 	 	1.45	 	 	 	2.19	 	 	 	2.95	 
	39
	 	 	1.09	 	 	 	1.24	 	 	 	1.59	 	 	 	2.44	 	 	 	3.24	 	 	 	0.98	 	 	 	1.11	 	 	 	1.38	 	 	 	2.05	 	 	 	2.92	 	 	 	1.07	 	 	 	1.21	 	 	 	1.55	 	 	 	2.36	 	 	 	3.18	 
	40
	 	 	1.15	 	 	 	1.32	 	 	 	1.69	 	 	 	2.63	 	 	 	3.51	 	 	 	1.03	 	 	 	1.17	 	 	 	1.46	 	 	 	2.20	 	 	 	3.12	 	 	 	1.13	 	 	 	1.29	 	 	 	1.64	 	 	 	2.54	 	 	 	3.43	 
	41
	 	 	1.22	 	 	 	1.40	 	 	 	1.80	 	 	 	2.84	 	 	 	3.83	 	 	 	1.08	 	 	 	1.22	 	 	 	1.55	 	 	 	2.36	 	 	 	3.32	 	 	 	1.19	 	 	 	1.36	 	 	 	1.75	 	 	 	2.74	 	 	 	3.73	 
	42
	 	 	1.30	 	 	 	1.48	 	 	 	1.92	 	 	 	3.07	 	 	 	4.21	 	 	 	1.13	 	 	 	1.28	 	 	 	1.64	 	 	 	2.52	 	 	 	3.54	 	 	 	1.27	 	 	 	1.44	 	 	 	1.86	 	 	 	2.96	 	 	 	4.08	 
	43
	 	 	1.39	 	 	 	1.58	 	 	 	2.05	 	 	 	3.32	 	 	 	4.62	 	 	 	1.18	 	 	 	1.34	 	 	 	1.74	 	 	 	2.69	 	 	 	3.76	 	 	 	1.35	 	 	 	1.53	 	 	 	1.99	 	 	 	3.19	 	 	 	4.45	 
	44
	 	 	1.48	 	 	 	1.68	 	 	 	2.19	 	 	 	3.60	 	 	 	5.07	 	 	 	1.24	 	 	 	1.41	 	 	 	1.85	 	 	 	2.88	 	 	 	4.01	 	 	 	1.43	 	 	 	1.63	 	 	 	2.12	 	 	 	3.46	 	 	 	4.86	 
	45
	 	 	1.58	 	 	 	1.80	 	 	 	2.36	 	 	 	3.91	 	 	 	5.55	 	 	 	1.30	 	 	 	1.48	 	 	 	1.97	 	 	 	3.07	 	 	 	4.29	 	 	 	1.52	 	 	 	1.74	 	 	 	2.28	 	 	 	3.74	 	 	 	5.30	 
	46
	 	 	1.68	 	 	 	1.93	 	 	 	2.55	 	 	 	4.25	 	 	 	6.05	 	 	 	1.37	 	 	 	1.56	 	 	 	2.10	 	 	 	3.27	 	 	 	4.61	 	 	 	1.62	 	 	 	1.86	 	 	 	2.46	 	 	 	4.05	 	 	 	5.76	 
	47
	 	 	1.79	 	 	 	2.08	 	 	 	2.76	 	 	 	4.63	 	 	 	6.58	 	 	 	1.45	 	 	 	1.65	 	 	 	2.25	 	 	 	3.48	 	 	 	4.95	 	 	 	1.72	 	 	 	1.99	 	 	 	2.66	 	 	 	4.40	 	 	 	6.25	 
	48
	 	 	1.91	 	 	 	2.25	 	 	 	3.00	 	 	 	5.03	 	 	 	7.14	 	 	 	1.54	 	 	 	1.75	 	 	 	2.41	 	 	 	3.70	 	 	 	5.32	 	 	 	1.84	 	 	 	2.15	 	 	 	2.88	 	 	 	4.76	 	 	 	6.78	 
	49
	 	 	2.05	 	 	 	2.43	 	 	 	3.26	 	 	 	5.48	 	 	 	7.76	 	 	 	1.63	 	 	 	1.86	 	 	 	2.57	 	 	 	3.93	 	 	 	5.71	 	 	 	1.97	 	 	 	2.32	 	 	 	3.12	 	 	 	5.17	 	 	 	7.35	 
	50
	 	 	2.21	 	 	 	2.63	 	 	 	3.53	 	 	 	5.96	 	 	 	8.42	 	 	 	1.72	 	 	 	1.97	 	 	 	2.74	 	 	 	4.19	 	 	 	6.09	 	 	 	2.11	 	 	 	2.50	 	 	 	3.37	 	 	 	5.61	 	 	 	7.95	 
	51
	 	 	2.40	 	 	 	2.84	 	 	 	3.82	 	 	 	6.50	 	 	 	9.14	 	 	 	1.81	 	 	 	2.09	 	 	 	2.91	 	 	 	4.47	 	 	 	6.47	 	 	 	2.28	 	 	 	2.69	 	 	 	3.64	 	 	 	6.09	 	 	 	8.61	 
	52
	 	 	2.61	 	 	 	3.07	 	 	 	4.13	 	 	 	7.09	 	 	 	9.94	 	 	 	1.91	 	 	 	2.22	 	 	 	3.09	 	 	 	4.78	 	 	 	6.85	 	 	 	2.47	 	 	 	2.90	 	 	 	3.92	 	 	 	6.63	 	 	 	9.32	 
	53
	 	 	2.84	 	 	 	3.33	 	 	 	4.48	 	 	 	7.71	 	 	 	10.80	 	 	 	2.02	 	 	 	2.36	 	 	 	3.29	 	 	 	5.11	 	 	 	7.26	 	 	 	2.68	 	 	 	3.14	 	 	 	4.24	 	 	 	7.19	 	 	 	10.09	 
	54
	 	 	3.09	 	 	 	3.61	 	 	 	4.86	 	 	 	8.35	 	 	 	11.71	 	 	 	2.14	 	 	 	2.51	 	 	 	3.50	 	 	 	5.46	 	 	 	7.70	 	 	 	2.90	 	 	 	3.39	 	 	 	4.59	 	 	 	7.77	 	 	 	10.91	 
	55
	 	 	3.35	 	 	 	3.90	 	 	 	5.28	 	 	 	8.94	 	 	 	12.60	 	 	 	2.28	 	 	 	2.67	 	 	 	3.75	 	 	 	5.80	 	 	 	8.19	 	 	 	3.14	 	 	 	3.65	 	 	 	4.97	 	 	 	8.31	 	 	 	11.72	 
	56
	 	 	3.60	 	 	 	4.21	 	 	 	5.73	 	 	 	9.44	 	 	 	13.45	 	 	 	2.44	 	 	 	2.84	 	 	 	4.03	 	 	 	6.13	 	 	 	8.72	 	 	 	3.37	 	 	 	3.94	 	 	 	5.39	 	 	 	8.78	 	 	 	12.50	 
	57
	 	 	3.87	 	 	 	4.55	 	 	 	6.23	 	 	 	9.93	 	 	 	14.34	 	 	 	2.63	 	 	 	3.03	 	 	 	4.34	 	 	 	6.48	 	 	 	9.31	 	 	 	3.62	 	 	 	4.25	 	 	 	5.85	 	 	 	9.24	 	 	 	13.33	 
	58
	 	 	4.18	 	 	 	4.94	 	 	 	6.81	 	 	 	10.51	 	 	 	15.39	 	 	 	2.84	 	 	 	3.25	 	 	 	4.68	 	 	 	6.87	 	 	 	9.98	 	 	 	3.91	 	 	 	4.60	 	 	 	6.38	 	 	 	9.78	 	 	 	14.31	 
	59
	 	 	4.54	 	 	 	5.39	 	 	 	7.46	 	 	 	11.28	 	 	 	16.72	 	 	 	3.07	 	 	 	3.49	 	 	 	5.06	 	 	 	7.33	 	 	 	10.75	 	 	 	4.25	 	 	 	5.01	 	 	 	6.98	 	 	 	10.49	 	 	 	15.53	 
	60
	 	 	5.00	 	 	 	5.91	 	 	 	8.21	 	 	 	12.35	 	 	 	18.42	 	 	 	3.32	 	 	 	3.77	 	 	 	5.47	 	 	 	7.87	 	 	 	11.61	 	 	 	4.66	 	 	 	5.48	 	 	 	7.66	 	 	 	11.45	 	 	 	17.06	 
	61
	 	 	5.56	 	 	 	6.51	 	 	 	9.05	 	 	 	13.78	 	 	 	20.54	 	 	 	3.59	 	 	 	4.10	 	 	 	5.93	 	 	 	8.51	 	 	 	12.58	 	 	 	5.17	 	 	 	6.03	 	 	 	8.43	 	 	 	12.73	 	 	 	18.95	 
	62
	 	 	6.22	 	 	 	7.19	 	 	 	10.00	 	 	 	15.54	 	 	 	23.06	 	 	 	3.89	 	 	 	4.48	 	 	 	6.45	 	 	 	9.26	 	 	 	13.67	 	 	 	5.75	 	 	 	6.65	 	 	 	9.29	 	 	 	14.28	 	 	 	21.18	 
	63
	 	 	6.97	 	 	 	8.00	 	 	 	11.10	 	 	 	17.58	 	 	 	25.98	 	 	 	4.23	 	 	 	4.91	 	 	 	7.03	 	 	 	10.13	 	 	 	14.94	 	 	 	6.42	 	 	 	7.38	 	 	 	10.29	 	 	 	16.09	 	 	 	23.77	 
	64
	 	 	7.78	 	 	 	8.94	 	 	 	12.40	 	 	 	19.87	 	 	 	29.42	 	 	 	4.60	 	 	 	5.37	 	 	 	7.63	 	 	 	11.13	 	 	 	16.43	 	 	 	7.14	 	 	 	8.23	 	 	 	11.45	 	 	 	18.12	 	 	 	26.82	 
	65
	 	 	8.65	 	 	 	10.05	 	 	 	13.95	 	 	 	22.40	 	 	 	33.61	 	 	 	4.98	 	 	 	5.82	 	 	 	8.17	 	 	 	12.23	 	 	 	18.19	 	 	 	7.92	 	 	 	9.20	 	 	 	12.79	 	 	 	20.37	 	 	 	30.53	 
	66
	 	 	9.55	 	 	 	11.36	 	 	 	15.78	 	 	 	25.19	 	 	 	38.74	 	 	 	5.36	 	 	 	6.23	 	 	 	8.59	 	 	 	13.43	 	 	 	20.28	 	 	 	8.71	 	 	 	10.33	 	 	 	14.34	 	 	 	22.84	 	 	 	35.05	 
	67
	 	 	10.52	 	 	 	12.85	 	 	 	17.87	 	 	 	28.23	 	 	 	44.58	 	 	 	5.77	 	 	 	6.66	 	 	 	9.00	 	 	 	14.78	 	 	 	22.68	 	 	 	9.57	 	 	 	11.61	 	 	 	16.10	 	 	 	25.54	 	 	 	40.20	 
	68
	 	 	11.58	 	 	 	14.52	 	 	 	20.21	 	 	 	31.53	 	 	 	50.71	 	 	 	6.27	 	 	 	7.20	 	 	 	9.58	 	 	 	16.35	 	 	 	25.35	 	 	 	10.52	 	 	 	13.06	 	 	 	18.08	 	 	 	28.49	 	 	 	45.64	 
	69
	 	 	12.79	 	 	 	16.35	 	 	 	22.77	 	 	 	35.07	 	 	 	56.63	 	 	 	6.91	 	 	 	7.97	 	 	 	10.53	 	 	 	18.25	 	 	 	28.23	 	 	 	11.61	 	 	 	14.67	 	 	 	20.32	 	 	 	31.71	 	 	 	50.95	 
	70
	 	 	14.18	 	 	 	18.35	 	 	 	25.57	 	 	 	38.84	 	 	 	61.72	 	 	 	7.75	 	 	 	9.08	 	 	 	12.10	 	 	 	20.57	 	 	 	31.25	 	 	 	12.89	 	 	 	16.50	 	 	 	22.88	 	 	 	35.19	 	 	 	55.63	 
	71
	 	 	15.55	 	 	 	20.13	 	 	 	28.06	 	 	 	41.89	 	 	 	66.57	 	 	 	8.60	 	 	 	10.09	 	 	 	13.45	 	 	 	22.68	 	 	 	34.39	 	 	 	14.16	 	 	 	18.12	 	 	 	25.14	 	 	 	38.05	 	 	 	60.13	 
	72
	 	 	17.04	 	 	 	22.06	 	 	 	30.77	 	 	 	45.13	 	 	 	71.74	 	 	 	9.56	 	 	 	11.22	 	 	 	14.97	 	 	 	24.90	 	 	 	37.87	 	 	 	15.54	 	 	 	19.89	 	 	 	27.61	 	 	 	41.08	 	 	 	64.97	 
	73
	 	 	18.64	 	 	 	24.14	 	 	 	33.68	 	 	 	48.56	 	 	 	77.21	 	 	 	10.63	 	 	 	12.47	 	 	 	16.66	 	 	 	27.40	 	 	 	41.68	 	 	 	17.04	 	 	 	21.81	 	 	 	30.28	 	 	 	44.33	 	 	 	70.10	 
	74
	 	 	20.35	 	 	 	26.38	 	 	 	36.81	 	 	 	52.16	 	 	 	82.95	 	 	 	11.81	 	 	 	13.86	 	 	 	18.53	 	 	 	30.12	 	 	 	45.84	 	 	 	18.64	 	 	 	23.88	 	 	 	33.15	 	 	 	47.75	 	 	 	75.53	 
	75
	 	 	22.19	 	 	 	28.77	 	 	 	40.16	 	 	 	55.92	 	 	 	88.95	 	 	 	13.11	 	 	 	15.39	 	 	 	20.58	 	 	 	33.08	 	 	 	50.35	 	 	 	20.37	 	 	 	26.09	 	 	 	36.24	 	 	 	51.35	 	 	 	81.23	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	SAFECO-Term 15	 	SAFECO-Term 15	 	SAFECO-Term 15
	 	 	Guaranteed Premium Rates - Male Riders	 	Guaranteed Premium Rates - Female Riders	 	Guaranteed Premium Rates - Unisex Riders
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	 	0.00	 	 	 	0.00	 	 	 	1.28	 	 	 	0.00	 	 	 	2.71	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.13	 	 	 	0.00	 	 	 	0.00	 	 	 	1.24	 	 	 	0.00	 	 	 	2.59	 
	16
	 	 	0.00	 	 	 	0.00	 	 	 	1.28	 	 	 	0.00	 	 	 	2.71	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.13	 	 	 	0.00	 	 	 	0.00	 	 	 	1.24	 	 	 	0.00	 	 	 	2.59	 
	17
	 	 	0.00	 	 	 	0.00	 	 	 	1.28	 	 	 	0.00	 	 	 	2.71	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.13	 	 	 	0.00	 	 	 	0.00	 	 	 	1.24	 	 	 	0.00	 	 	 	2.59	 
	18
	 	 	0.00	 	 	 	0.00	 	 	 	1.28	 	 	 	0.00	 	 	 	2.71	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.13	 	 	 	0.00	 	 	 	0.00	 	 	 	1.24	 	 	 	0.00	 	 	 	2.59	 
	19
	 	 	0.00	 	 	 	0.00	 	 	 	1.28	 	 	 	0.00	 	 	 	2.71	 	 	 	0.00	 	 	 	0.00	 	 	 	1.09	 	 	 	0.00	 	 	 	2.13	 	 	 	0.00	 	 	 	0.00	 	 	 	1.24	 	 	 	0.00	 	 	 	2.59	 
	20
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.09	 	 	 	1.45	 	 	 	2.13	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.59	 
	21
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.09	 	 	 	1.45	 	 	 	2.13	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.59	 
	22
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.09	 	 	 	1.45	 	 	 	2.13	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.59	 
	23
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.09	 	 	 	1.45	 	 	 	2.13	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.59	 
	24
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.09	 	 	 	1.45	 	 	 	2.13	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.59	 
	25
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.74	 	 	 	2.71	 	 	 	0.83	 	 	 	0.92	 	 	 	1.10	 	 	 	1.46	 	 	 	2.15	 	 	 	0.89	 	 	 	0.98	 	 	 	1.24	 	 	 	1.68	 	 	 	2.60	 
	26
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.76	 	 	 	2.72	 	 	 	0.83	 	 	 	0.92	 	 	 	1.11	 	 	 	1.48	 	 	 	2.18	 	 	 	0.89	 	 	 	0.98	 	 	 	1.25	 	 	 	1.70	 	 	 	2.61	 
	27
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.79	 	 	 	2.73	 	 	 	0.83	 	 	 	0.92	 	 	 	1.11	 	 	 	1.50	 	 	 	2.22	 	 	 	0.89	 	 	 	0.98	 	 	 	1.25	 	 	 	1.73	 	 	 	2.63	 
	28
	 	 	0.90	 	 	 	1.00	 	 	 	1.28	 	 	 	1.82	 	 	 	2.75	 	 	 	0.84	 	 	 	0.92	 	 	 	1.12	 	 	 	1.52	 	 	 	2.27	 	 	 	0.89	 	 	 	0.98	 	 	 	1.25	 	 	 	1.76	 	 	 	2.65	 
	29
	 	 	0.90	 	 	 	1.00	 	 	 	1.29	 	 	 	1.86	 	 	 	2.77	 	 	 	0.84	 	 	 	0.92	 	 	 	1.13	 	 	 	1.55	 	 	 	2.32	 	 	 	0.89	 	 	 	0.98	 	 	 	1.26	 	 	 	1.80	 	 	 	2.68	 
	30
	 	 	0.90	 	 	 	1.01	 	 	 	1.30	 	 	 	1.90	 	 	 	2.80	 	 	 	0.84	 	 	 	0.92	 	 	 	1.14	 	 	 	1.58	 	 	 	2.37	 	 	 	0.89	 	 	 	0.99	 	 	 	1.27	 	 	 	1.84	 	 	 	2.71	 
	31
	 	 	0.90	 	 	 	1.02	 	 	 	1.32	 	 	 	1.94	 	 	 	2.84	 	 	 	0.84	 	 	 	0.92	 	 	 	1.15	 	 	 	1.60	 	 	 	2.40	 	 	 	0.89	 	 	 	1.00	 	 	 	1.29	 	 	 	1.87	 	 	 	2.75	 
	32
	 	 	0.90	 	 	 	1.03	 	 	 	1.34	 	 	 	1.99	 	 	 	2.89	 	 	 	0.84	 	 	 	0.92	 	 	 	1.16	 	 	 	1.62	 	 	 	2.43	 	 	 	0.89	 	 	 	1.01	 	 	 	1.30	 	 	 	1.92	 	 	 	2.80	 
	33
	 	 	0.91	 	 	 	1.04	 	 	 	1.37	 	 	 	2.04	 	 	 	2.95	 	 	 	0.84	 	 	 	0.93	 	 	 	1.17	 	 	 	1.65	 	 	 	2.46	 	 	 	0.90	 	 	 	1.02	 	 	 	1.33	 	 	 	1.96	 	 	 	2.85	 
	34
	 	 	0.92	 	 	 	1.05	 	 	 	1.40	 	 	 	2.10	 	 	 	3.02	 	 	 	0.84	 	 	 	0.95	 	 	 	1.20	 	 	 	1.69	 	 	 	2.52	 	 	 	0.90	 	 	 	1.03	 	 	 	1.36	 	 	 	2.02	 	 	 	2.92	 
	35
	 	 	0.95	 	 	 	1.07	 	 	 	1.43	 	 	 	2.16	 	 	 	3.08	 	 	 	0.85	 	 	 	0.97	 	 	 	1.23	 	 	 	1.76	 	 	 	2.61	 	 	 	0.93	 	 	 	1.05	 	 	 	1.39	 	 	 	2.08	 	 	 	2.99	 
	36
	 	 	0.98	 	 	 	1.09	 	 	 	1.45	 	 	 	2.21	 	 	 	3.13	 	 	 	0.87	 	 	 	1.00	 	 	 	1.28	 	 	 	1.86	 	 	 	2.75	 	 	 	0.96	 	 	 	1.07	 	 	 	1.42	 	 	 	2.14	 	 	 	3.05	 
	37
	 	 	1.01	 	 	 	1.12	 	 	 	1.47	 	 	 	2.25	 	 	 	3.19	 	 	 	0.91	 	 	 	1.05	 	 	 	1.34	 	 	 	2.00	 	 	 	2.93	 	 	 	0.99	 	 	 	1.11	 	 	 	1.44	 	 	 	2.20	 	 	 	3.14	 
	38
	 	 	1.06	 	 	 	1.19	 	 	 	1.51	 	 	 	2.33	 	 	 	3.28	 	 	 	0.96	 	 	 	1.10	 	 	 	1.41	 	 	 	2.15	 	 	 	3.13	 	 	 	1.04	 	 	 	1.17	 	 	 	1.49	 	 	 	2.29	 	 	 	3.25	 
	39
	 	 	1.10	 	 	 	1.26	 	 	 	1.62	 	 	 	2.50	 	 	 	3.45	 	 	 	1.01	 	 	 	1.15	 	 	 	1.49	 	 	 	2.31	 	 	 	3.36	 	 	 	1.08	 	 	 	1.24	 	 	 	1.55	 	 	 	2.43	 	 	 	3.43	 
	40
	 	 	1.16	 	 	 	1.34	 	 	 	1.72	 	 	 	2.70	 	 	 	3.73	 	 	 	1.06	 	 	 	1.22	 	 	 	1.58	 	 	 	2.49	 	 	 	3.60	 	 	 	1.14	 	 	 	1.32	 	 	 	1.65	 	 	 	2.64	 	 	 	3.70	 
	41
	 	 	1.24	 	 	 	1.42	 	 	 	1.83	 	 	 	3.02	 	 	 	4.15	 	 	 	1.12	 	 	 	1.27	 	 	 	1.68	 	 	 	2.67	 	 	 	3.85	 	 	 	1.22	 	 	 	1.39	 	 	 	1.80	 	 	 	2.95	 	 	 	4.09	 
	42
	 	 	1.32	 	 	 	1.51	 	 	 	2.03	 	 	 	3.45	 	 	 	4.69	 	 	 	1.17	 	 	 	1.33	 	 	 	1.78	 	 	 	2.87	 	 	 	4.11	 	 	 	1.29	 	 	 	1.47	 	 	 	1.98	 	 	 	3.33	 	 	 	4.57	 
	43
	 	 	1.44	 	 	 	1.64	 	 	 	2.26	 	 	 	3.94	 	 	 	5.31	 	 	 	1.23	 	 	 	1.39	 	 	 	1.90	 	 	 	3.07	 	 	 	4.39	 	 	 	1.40	 	 	 	1.59	 	 	 	2.19	 	 	 	3.77	 	 	 	5.13	 
	44
	 	 	1.58	 	 	 	1.81	 	 	 	2.50	 	 	 	4.44	 	 	 	5.98	 	 	 	1.30	 	 	 	1.47	 	 	 	2.02	 	 	 	3.29	 	 	 	4.70	 	 	 	1.52	 	 	 	1.74	 	 	 	2.40	 	 	 	4.21	 	 	 	5.72	 
	45
	 	 	1.73	 	 	 	1.98	 	 	 	2.76	 	 	 	4.93	 	 	 	6.67	 	 	 	1.37	 	 	 	1.56	 	 	 	2.14	 	 	 	3.52	 	 	 	5.04	 	 	 	1.66	 	 	 	1.90	 	 	 	2.64	 	 	 	4.65	 	 	 	6.34	 
	46
	 	 	1.87	 	 	 	2.15	 	 	 	3.02	 	 	 	5.38	 	 	 	7.36	 	 	 	1.45	 	 	 	1.66	 	 	 	2.26	 	 	 	3.76	 	 	 	5.41	 	 	 	1.79	 	 	 	2.05	 	 	 	2.87	 	 	 	5.06	 	 	 	6.97	 
	47
	 	 	2.01	 	 	 	2.33	 	 	 	3.28	 	 	 	5.81	 	 	 	8.07	 	 	 	1.54	 	 	 	1.77	 	 	 	2.39	 	 	 	4.01	 	 	 	5.81	 	 	 	1.92	 	 	 	2.22	 	 	 	3.10	 	 	 	5.45	 	 	 	7.62	 
	48
	 	 	2.16	 	 	 	2.52	 	 	 	3.57	 	 	 	6.26	 	 	 	8.83	 	 	 	1.63	 	 	 	1.89	 	 	 	2.53	 	 	 	4.28	 	 	 	6.25	 	 	 	2.05	 	 	 	2.39	 	 	 	3.36	 	 	 	5.86	 	 	 	8.31	 
	49
	 	 	2.33	 	 	 	2.73	 	 	 	3.88	 	 	 	6.76	 	 	 	9.64	 	 	 	1.74	 	 	 	2.01	 	 	 	2.68	 	 	 	4.58	 	 	 	6.71	 	 	 	2.21	 	 	 	2.59	 	 	 	3.64	 	 	 	6.32	 	 	 	9.05	 
	50
	 	 	2.51	 	 	 	2.96	 	 	 	4.21	 	 	 	7.32	 	 	 	10.51	 	 	 	1.84	 	 	 	2.14	 	 	 	2.84	 	 	 	4.90	 	 	 	7.19	 	 	 	2.38	 	 	 	2.80	 	 	 	3.94	 	 	 	6.84	 	 	 	9.85	 
	51
	 	 	2.72	 	 	 	3.21	 	 	 	4.56	 	 	 	7.96	 	 	 	11.44	 	 	 	1.95	 	 	 	2.27	 	 	 	3.01	 	 	 	5.25	 	 	 	7.67	 	 	 	2.57	 	 	 	3.02	 	 	 	4.25	 	 	 	7.42	 	 	 	10.69	 
	52
	 	 	2.94	 	 	 	3.48	 	 	 	4.94	 	 	 	8.67	 	 	 	12.46	 	 	 	2.06	 	 	 	2.41	 	 	 	3.20	 	 	 	5.64	 	 	 	8.17	 	 	 	2.76	 	 	 	3.27	 	 	 	4.59	 	 	 	8.06	 	 	 	11.60	 
	53
	 	 	3.20	 	 	 	3.79	 	 	 	5.37	 	 	 	9.46	 	 	 	13.57	 	 	 	2.18	 	 	 	2.55	 	 	 	3.41	 	 	 	6.06	 	 	 	8.73	 	 	 	3.00	 	 	 	3.54	 	 	 	4.98	 	 	 	8.78	 	 	 	12.60	 
	54
	 	 	3.47	 	 	 	4.13	 	 	 	5.85	 	 	 	10.30	 	 	 	14.76	 	 	 	2.33	 	 	 	2.72	 	 	 	3.66	 	 	 	6.50	 	 	 	9.39	 	 	 	3.24	 	 	 	3.85	 	 	 	5.41	 	 	 	9.54	 	 	 	13.69	 
	55
	 	 	3.76	 	 	 	4.49	 	 	 	6.38	 	 	 	11.17	 	 	 	15.99	 	 	 	2.50	 	 	 	2.91	 	 	 	3.95	 	 	 	6.95	 	 	 	10.19	 	 	 	3.51	 	 	 	4.17	 	 	 	5.89	 	 	 	10.33	 	 	 	14.83	 
	56
	 	 	4.06	 	 	 	4.88	 	 	 	6.96	 	 	 	12.04	 	 	 	17.23	 	 	 	2.71	 	 	 	3.12	 	 	 	4.29	 	 	 	7.39	 	 	 	11.16	 	 	 	3.79	 	 	 	4.53	 	 	 	6.43	 	 	 	11.11	 	 	 	16.02	 
	57
	 	 	4.38	 	 	 	5.30	 	 	 	7.61	 	 	 	12.95	 	 	 	18.53	 	 	 	2.95	 	 	 	3.36	 	 	 	4.68	 	 	 	7.85	 	 	 	12.28	 	 	 	4.09	 	 	 	4.91	 	 	 	7.02	 	 	 	11.93	 	 	 	17.28	 
	58
	 	 	4.75	 	 	 	5.79	 	 	 	8.35	 	 	 	13.97	 	 	 	20.00	 	 	 	3.22	 	 	 	3.64	 	 	 	5.13	 	 	 	8.36	 	 	 	13.50	 	 	 	4.44	 	 	 	5.36	 	 	 	7.71	 	 	 	12.85	 	 	 	18.70	 
	59
	 	 	5.17	 	 	 	6.37	 	 	 	9.23	 	 	 	15.21	 	 	 	21.83	 	 	 	3.50	 	 	 	3.95	 	 	 	5.63	 	 	 	8.99	 	 	 	14.82	 	 	 	4.84	 	 	 	5.89	 	 	 	8.51	 	 	 	13.97	 	 	 	20.43	 
	60
	 	 	5.68	 	 	 	7.08	 	 	 	10.28	 	 	 	16.79	 	 	 	24.29	 	 	 	3.77	 	 	 	4.29	 	 	 	6.18	 	 	 	9.76	 	 	 	16.21	 	 	 	5.30	 	 	 	6.52	 	 	 	9.46	 	 	 	15.38	 	 	 	22.67	 
	61
	 	 	6.29	 	 	 	7.94	 	 	 	11.55	 	 	 	18.81	 	 	 	27.59	 	 	 	4.02	 	 	 	4.66	 	 	 	6.78	 	 	 	10.72	 	 	 	17.69	 	 	 	5.84	 	 	 	7.28	 	 	 	10.60	 	 	 	17.19	 	 	 	25.61	 
	62
	 	 	6.99	 	 	 	8.95	 	 	 	13.02	 	 	 	21.19	 	 	 	31.51	 	 	 	4.27	 	 	 	5.09	 	 	 	7.45	 	 	 	11.86	 	 	 	19.27	 	 	 	6.45	 	 	 	8.18	 	 	 	11.91	 	 	 	19.32	 	 	 	29.06	 
	63
	 	 	7.77	 	 	 	10.06	 	 	 	14.62	 	 	 	23.76	 	 	 	35.65	 	 	 	4.56	 	 	 	5.58	 	 	 	8.21	 	 	 	13.14	 	 	 	20.91	 	 	 	7.13	 	 	 	9.16	 	 	 	13.34	 	 	 	21.64	 	 	 	32.70	 
	64
	 	 	8.62	 	 	 	11.24	 	 	 	16.30	 	 	 	26.30	 	 	 	39.52	 	 	 	4.92	 	 	 	6.17	 	 	 	9.07	 	 	 	14.50	 	 	 	22.53	 	 	 	7.88	 	 	 	10.23	 	 	 	14.85	 	 	 	23.94	 	 	 	36.12	 
	65
	 	 	9.52	 	 	 	12.46	 	 	 	17.98	 	 	 	28.60	 	 	 	42.54	 	 	 	5.39	 	 	 	6.86	 	 	 	10.04	 	 	 	15.88	 	 	 	23.99	 	 	 	8.69	 	 	 	11.34	 	 	 	16.39	 	 	 	26.06	 	 	 	38.83	 
	66
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	67
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	68
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	69
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	70
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	71
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	72
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	73
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	74
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	75
	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	SAFECO-Term 20	 	SAFECO-Term 20	 	SAFECO-Term 20
	 	 	Guaranteed Premium Rates - Male Riders	 	Guaranteed Premium Rates - Female Riders	 	Guaranteed Premium Rates - Unisex Riders
	Issue	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	15
	 	 	0.00	 	 	 	0.00	 	 	 	1.55	 	 	 	0.00	 	 	 	3.20	 	 	 	0.00	 	 	 	0.00	 	 	 	1.33	 	 	 	0.00	 	 	 	2.32	 	 	 	0.00	 	 	 	0.00	 	 	 	1.51	 	 	 	0.00	 	 	 	3.02	 
	16
	 	 	0.00	 	 	 	0.00	 	 	 	1.55	 	 	 	0.00	 	 	 	3.20	 	 	 	0.00	 	 	 	0.00	 	 	 	1.33	 	 	 	0.00	 	 	 	2.32	 	 	 	0.00	 	 	 	0.00	 	 	 	1.51	 	 	 	0.00	 	 	 	3.02	 
	17
	 	 	0.00	 	 	 	0.00	 	 	 	1.55	 	 	 	0.00	 	 	 	3.20	 	 	 	0.00	 	 	 	0.00	 	 	 	1.33	 	 	 	0.00	 	 	 	2.32	 	 	 	0.00	 	 	 	0.00	 	 	 	1.51	 	 	 	0.00	 	 	 	3.02	 
	18
	 	 	0.00	 	 	 	0.00	 	 	 	1.55	 	 	 	0.00	 	 	 	3.20	 	 	 	0.00	 	 	 	0.00	 	 	 	1.33	 	 	 	0.00	 	 	 	2.32	 	 	 	0.00	 	 	 	0.00	 	 	 	1.51	 	 	 	0.00	 	 	 	3.02	 
	19
	 	 	0.00	 	 	 	0.00	 	 	 	1.55	 	 	 	0.00	 	 	 	3.20	 	 	 	0.00	 	 	 	0.00	 	 	 	1.33	 	 	 	0.00	 	 	 	2.32	 	 	 	0.00	 	 	 	0.00	 	 	 	1.51	 	 	 	0.00	 	 	 	3.02	 
	20
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.91	 	 	 	1.04	 	 	 	1.33	 	 	 	1.59	 	 	 	2.32	 	 	 	1.01	 	 	 	1.18	 	 	 	1.51	 	 	 	1.99	 	 	 	3.02	 
	21
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.91	 	 	 	1.04	 	 	 	1.33	 	 	 	1.59	 	 	 	2.32	 	 	 	1.01	 	 	 	1.18	 	 	 	1.51	 	 	 	1.99	 	 	 	3.02	 
	22
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.91	 	 	 	1.04	 	 	 	1.33	 	 	 	1.59	 	 	 	2.32	 	 	 	1.01	 	 	 	1.18	 	 	 	1.51	 	 	 	1.99	 	 	 	3.02	 
	23
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.91	 	 	 	1.04	 	 	 	1.33	 	 	 	1.59	 	 	 	2.32	 	 	 	1.01	 	 	 	1.18	 	 	 	1.51	 	 	 	1.99	 	 	 	3.02	 
	24
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.91	 	 	 	1.04	 	 	 	1.33	 	 	 	1.59	 	 	 	2.32	 	 	 	1.01	 	 	 	1.18	 	 	 	1.51	 	 	 	1.99	 	 	 	3.02	 
	25
	 	 	1.04	 	 	 	1.22	 	 	 	1.55	 	 	 	2.09	 	 	 	3.20	 	 	 	0.92	 	 	 	1.05	 	 	 	1.33	 	 	 	1.59	 	 	 	2.35	 	 	 	1.02	 	 	 	1.19	 	 	 	1.51	 	 	 	1.99	 	 	 	3.03	 
	26
	 	 	1.04	 	 	 	1.22	 	 	 	1.56	 	 	 	2.11	 	 	 	3.20	 	 	 	0.93	 	 	 	1.05	 	 	 	1.34	 	 	 	1.62	 	 	 	2.40	 	 	 	1.02	 	 	 	1.19	 	 	 	1.52	 	 	 	2.01	 	 	 	3.04	 
	27
	 	 	1.05	 	 	 	1.23	 	 	 	1.58	 	 	 	2.13	 	 	 	3.20	 	 	 	0.94	 	 	 	1.05	 	 	 	1.35	 	 	 	1.66	 	 	 	2.46	 	 	 	1.03	 	 	 	1.19	 	 	 	1.53	 	 	 	2.04	 	 	 	3.05	 
	28
	 	 	1.05	 	 	 	1.24	 	 	 	1.59	 	 	 	2.16	 	 	 	3.20	 	 	 	0.94	 	 	 	1.05	 	 	 	1.37	 	 	 	1.72	 	 	 	2.54	 	 	 	1.03	 	 	 	1.20	 	 	 	1.55	 	 	 	2.07	 	 	 	3.07	 
	29
	 	 	1.05	 	 	 	1.25	 	 	 	1.61	 	 	 	2.20	 	 	 	3.22	 	 	 	0.95	 	 	 	1.05	 	 	 	1.38	 	 	 	1.77	 	 	 	2.62	 	 	 	1.03	 	 	 	1.21	 	 	 	1.56	 	 	 	2.11	 	 	 	3.10	 
	30
	 	 	1.06	 	 	 	1.26	 	 	 	1.63	 	 	 	2.25	 	 	 	3.28	 	 	 	0.96	 	 	 	1.05	 	 	 	1.40	 	 	 	1.83	 	 	 	2.70	 	 	 	1.04	 	 	 	1.22	 	 	 	1.58	 	 	 	2.17	 	 	 	3.16	 
	31
	 	 	1.06	 	 	 	1.27	 	 	 	1.64	 	 	 	2.30	 	 	 	3.38	 	 	 	0.96	 	 	 	1.06	 	 	 	1.41	 	 	 	1.88	 	 	 	2.76	 	 	 	1.04	 	 	 	1.23	 	 	 	1.59	 	 	 	2.22	 	 	 	3.26	 
	32
	 	 	1.06	 	 	 	1.28	 	 	 	1.64	 	 	 	2.36	 	 	 	3.51	 	 	 	0.96	 	 	 	1.08	 	 	 	1.42	 	 	 	1.93	 	 	 	2.81	 	 	 	1.04	 	 	 	1.24	 	 	 	1.59	 	 	 	2.27	 	 	 	3.37	 
	33
	 	 	1.07	 	 	 	1.30	 	 	 	1.66	 	 	 	2.44	 	 	 	3.68	 	 	 	0.96	 	 	 	1.11	 	 	 	1.43	 	 	 	2.00	 	 	 	2.88	 	 	 	1.05	 	 	 	1.26	 	 	 	1.61	 	 	 	2.35	 	 	 	3.52	 
	34
	 	 	1.08	 	 	 	1.33	 	 	 	1.68	 	 	 	2.54	 	 	 	3.87	 	 	 	0.96	 	 	 	1.14	 	 	 	1.45	 	 	 	2.07	 	 	 	2.97	 	 	 	1.06	 	 	 	1.29	 	 	 	1.63	 	 	 	2.45	 	 	 	3.69	 
	35
	 	 	1.10	 	 	 	1.37	 	 	 	1.73	 	 	 	2.68	 	 	 	4.08	 	 	 	0.97	 	 	 	1.18	 	 	 	1.47	 	 	 	2.17	 	 	 	3.12	 	 	 	1.07	 	 	 	1.33	 	 	 	1.68	 	 	 	2.58	 	 	 	3.89	 
	36
	 	 	1.14	 	 	 	1.43	 	 	 	1.80	 	 	 	2.85	 	 	 	4.31	 	 	 	1.00	 	 	 	1.23	 	 	 	1.53	 	 	 	2.30	 	 	 	3.33	 	 	 	1.11	 	 	 	1.39	 	 	 	1.75	 	 	 	2.74	 	 	 	4.11	 
	37
	 	 	1.18	 	 	 	1.51	 	 	 	1.89	 	 	 	3.07	 	 	 	4.56	 	 	 	1.04	 	 	 	1.30	 	 	 	1.61	 	 	 	2.44	 	 	 	3.59	 	 	 	1.15	 	 	 	1.47	 	 	 	1.83	 	 	 	2.94	 	 	 	4.37	 
	38
	 	 	1.24	 	 	 	1.60	 	 	 	2.01	 	 	 	3.32	 	 	 	4.86	 	 	 	1.09	 	 	 	1.37	 	 	 	1.71	 	 	 	2.61	 	 	 	3.90	 	 	 	1.21	 	 	 	1.55	 	 	 	1.95	 	 	 	3.18	 	 	 	4.67	 
	39
	 	 	1.32	 	 	 	1.70	 	 	 	2.15	 	 	 	3.62	 	 	 	5.22	 	 	 	1.15	 	 	 	1.44	 	 	 	1.81	 	 	 	2.80	 	 	 	4.22	 	 	 	1.29	 	 	 	1.65	 	 	 	2.08	 	 	 	3.46	 	 	 	5.02	 
	40
	 	 	1.41	 	 	 	1.81	 	 	 	2.32	 	 	 	3.97	 	 	 	5.66	 	 	 	1.21	 	 	 	1.52	 	 	 	1.92	 	 	 	3.01	 	 	 	4.55	 	 	 	1.37	 	 	 	1.75	 	 	 	2.24	 	 	 	3.78	 	 	 	5.44	 
	41
	 	 	1.52	 	 	 	1.92	 	 	 	2.52	 	 	 	4.39	 	 	 	6.20	 	 	 	1.27	 	 	 	1.60	 	 	 	2.03	 	 	 	3.24	 	 	 	4.88	 	 	 	1.47	 	 	 	1.86	 	 	 	2.42	 	 	 	4.16	 	 	 	5.94	 
	42
	 	 	1.64	 	 	 	2.04	 	 	 	2.76	 	 	 	4.86	 	 	 	6.83	 	 	 	1.33	 	 	 	1.68	 	 	 	2.15	 	 	 	3.48	 	 	 	5.23	 	 	 	1.58	 	 	 	1.97	 	 	 	2.64	 	 	 	4.58	 	 	 	6.51	 
	43
	 	 	1.78	 	 	 	2.18	 	 	 	3.02	 	 	 	5.38	 	 	 	7.53	 	 	 	1.41	 	 	 	1.77	 	 	 	2.28	 	 	 	3.75	 	 	 	5.59	 	 	 	1.71	 	 	 	2.10	 	 	 	2.87	 	 	 	5.05	 	 	 	7.14	 
	44
	 	 	1.94	 	 	 	2.33	 	 	 	3.30	 	 	 	5.93	 	 	 	8.28	 	 	 	1.49	 	 	 	1.86	 	 	 	2.43	 	 	 	4.03	 	 	 	5.99	 	 	 	1.85	 	 	 	2.24	 	 	 	3.13	 	 	 	5.55	 	 	 	7.82	 
	45
	 	 	2.11	 	 	 	2.51	 	 	 	3.60	 	 	 	6.51	 	 	 	9.07	 	 	 	1.58	 	 	 	1.97	 	 	 	2.58	 	 	 	4.32	 	 	 	6.42	 	 	 	2.00	 	 	 	2.40	 	 	 	3.40	 	 	 	6.07	 	 	 	8.54	 
	46
	 	 	2.30	 	 	 	2.72	 	 	 	3.91	 	 	 	7.10	 	 	 	9.88	 	 	 	1.69	 	 	 	2.09	 	 	 	2.75	 	 	 	4.62	 	 	 	6.89	 	 	 	2.18	 	 	 	2.59	 	 	 	3.68	 	 	 	6.60	 	 	 	9.28	 
	47
	 	 	2.51	 	 	 	2.95	 	 	 	4.25	 	 	 	7.72	 	 	 	10.74	 	 	 	1.81	 	 	 	2.22	 	 	 	2.93	 	 	 	4.94	 	 	 	7.40	 	 	 	2.37	 	 	 	2.80	 	 	 	3.99	 	 	 	7.16	 	 	 	10.07	 
	48
	 	 	2.74	 	 	 	3.22	 	 	 	4.61	 	 	 	8.38	 	 	 	11.66	 	 	 	1.95	 	 	 	2.36	 	 	 	3.13	 	 	 	5.27	 	 	 	7.94	 	 	 	2.58	 	 	 	3.05	 	 	 	4.31	 	 	 	7.76	 	 	 	10.92	 
	49
	 	 	2.98	 	 	 	3.50	 	 	 	4.99	 	 	 	9.09	 	 	 	12.66	 	 	 	2.09	 	 	 	2.51	 	 	 	3.34	 	 	 	5.63	 	 	 	8.52	 	 	 	2.80	 	 	 	3.30	 	 	 	4.66	 	 	 	8.40	 	 	 	11.83	 
	50
	 	 	3.23	 	 	 	3.79	 	 	 	5.39	 	 	 	9.85	 	 	 	13.77	 	 	 	2.24	 	 	 	2.68	 	 	 	3.56	 	 	 	6.02	 	 	 	9.12	 	 	 	3.03	 	 	 	3.57	 	 	 	5.02	 	 	 	9.08	 	 	 	12.84	 
	51
	 	 	3.47	 	 	 	4.09	 	 	 	5.80	 	 	 	10.67	 	 	 	15.00	 	 	 	2.38	 	 	 	2.86	 	 	 	3.79	 	 	 	6.44	 	 	 	9.74	 	 	 	3.25	 	 	 	3.84	 	 	 	5.40	 	 	 	9.82	 	 	 	13.95	 
	52
	 	 	3.70	 	 	 	4.39	 	 	 	6.23	 	 	 	11.55	 	 	 	16.32	 	 	 	2.53	 	 	 	3.05	 	 	 	4.03	 	 	 	6.88	 	 	 	10.38	 	 	 	3.47	 	 	 	4.12	 	 	 	5.79	 	 	 	10.62	 	 	 	15.13	 
	53
	 	 	3.98	 	 	 	4.74	 	 	 	6.70	 	 	 	12.50	 	 	 	17.73	 	 	 	2.69	 	 	 	3.26	 	 	 	4.30	 	 	 	7.36	 	 	 	11.06	 	 	 	3.72	 	 	 	4.44	 	 	 	6.22	 	 	 	11.47	 	 	 	16.40	 
	54
	 	 	4.34	 	 	 	5.14	 	 	 	7.24	 	 	 	13.52	 	 	 	19.24	 	 	 	2.87	 	 	 	3.49	 	 	 	4.61	 	 	 	7.87	 	 	 	11.80	 	 	 	4.05	 	 	 	4.81	 	 	 	6.71	 	 	 	12.39	 	 	 	17.75	 
	55
	 	 	4.86	 	 	 	5.63	 	 	 	7.90	 	 	 	14.67	 	 	 	20.89	 	 	 	3.09	 	 	 	3.75	 	 	 	4.96	 	 	 	8.44	 	 	 	12.65	 	 	 	4.51	 	 	 	5.25	 	 	 	7.31	 	 	 	13.42	 	 	 	19.24	 
	56
	 	 	5.60	 	 	 	6.24	 	 	 	8.70	 	 	 	15.97	 	 	 	22.72	 	 	 	3.35	 	 	 	4.05	 	 	 	5.38	 	 	 	9.07	 	 	 	13.64	 	 	 	5.15	 	 	 	5.80	 	 	 	8.04	 	 	 	14.59	 	 	 	20.90	 
	57
	 	 	6.49	 	 	 	6.94	 	 	 	9.62	 	 	 	17.40	 	 	 	24.70	 	 	 	3.65	 	 	 	4.38	 	 	 	5.86	 	 	 	9.77	 	 	 	14.75	 	 	 	5.92	 	 	 	6.43	 	 	 	8.87	 	 	 	15.87	 	 	 	22.71	 
	58
	 	 	7.44	 	 	 	7.70	 	 	 	10.62	 	 	 	18.89	 	 	 	26.70	 	 	 	3.98	 	 	 	4.74	 	 	 	6.39	 	 	 	10.51	 	 	 	15.89	 	 	 	6.75	 	 	 	7.11	 	 	 	9.77	 	 	 	17.21	 	 	 	24.54	 
	59
	 	 	8.29	 	 	 	8.47	 	 	 	11.63	 	 	 	20.33	 	 	 	28.56	 	 	 	4.30	 	 	 	5.12	 	 	 	6.93	 	 	 	11.25	 	 	 	16.93	 	 	 	7.49	 	 	 	7.80	 	 	 	10.69	 	 	 	18.51	 	 	 	26.23	 
	60
	 	 	8.90	 	 	 	9.16	 	 	 	12.57	 	 	 	21.55	 	 	 	30.00	 	 	 	4.58	 	 	 	5.48	 	 	 	7.46	 	 	 	11.90	 	 	 	17.69	 	 	 	8.04	 	 	 	8.42	 	 	 	11.55	 	 	 	19.62	 	 	 	27.54	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	Ultimate Premium Rates - Males - All Bands	 	Ultimate Premium Rates - Females - All Bands	 	Ultimate Premium Rates - Unisex - All Bands 
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	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	 	1.72	 	 	 	1.81	 	 	 	1.92	 	 	 	2.70	 	 	 	2.81	 	 	 	1.40	 	 	 	1.48	 	 	 	1.57	 	 	 	1.68	 	 	 	1.75	 	 	 	1.66	 	 	 	1.75	 	 	 	1.85	 	 	 	2.49	 	 	 	2.59	 
	26
	 	 	1.74	 	 	 	1.84	 	 	 	1.95	 	 	 	2.80	 	 	 	2.91	 	 	 	1.44	 	 	 	1.52	 	 	 	1.61	 	 	 	1.74	 	 	 	1.81	 	 	 	1.68	 	 	 	1.78	 	 	 	1.88	 	 	 	2.59	 	 	 	2.69	 
	27
	 	 	1.76	 	 	 	1.85	 	 	 	1.96	 	 	 	2.82	 	 	 	2.93	 	 	 	1.46	 	 	 	1.55	 	 	 	1.64	 	 	 	1.79	 	 	 	1.86	 	 	 	1.70	 	 	 	1.79	 	 	 	1.90	 	 	 	2.61	 	 	 	2.72	 
	28
	 	 	1.78	 	 	 	1.88	 	 	 	1.99	 	 	 	2.86	 	 	 	2.98	 	 	 	1.50	 	 	 	1.58	 	 	 	1.68	 	 	 	1.86	 	 	 	1.93	 	 	 	1.72	 	 	 	1.82	 	 	 	1.93	 	 	 	2.66	 	 	 	2.77	 
	29
	 	 	1.82	 	 	 	1.92	 	 	 	2.03	 	 	 	2.91	 	 	 	3.02	 	 	 	1.55	 	 	 	1.64	 	 	 	1.73	 	 	 	1.94	 	 	 	2.01	 	 	 	1.76	 	 	 	1.86	 	 	 	1.97	 	 	 	2.71	 	 	 	2.82	 
	30
	 	 	1.85	 	 	 	1.96	 	 	 	2.07	 	 	 	2.97	 	 	 	3.09	 	 	 	1.60	 	 	 	1.69	 	 	 	1.79	 	 	 	2.02	 	 	 	2.10	 	 	 	1.80	 	 	 	1.90	 	 	 	2.01	 	 	 	2.78	 	 	 	2.90	 
	31
	 	 	1.89	 	 	 	1.99	 	 	 	2.11	 	 	 	3.07	 	 	 	3.20	 	 	 	1.65	 	 	 	1.74	 	 	 	1.84	 	 	 	2.10	 	 	 	2.19	 	 	 	1.84	 	 	 	1.94	 	 	 	2.06	 	 	 	2.88	 	 	 	2.99	 
	32
	 	 	1.94	 	 	 	2.04	 	 	 	2.16	 	 	 	3.20	 	 	 	3.32	 	 	 	1.69	 	 	 	1.79	 	 	 	1.89	 	 	 	2.19	 	 	 	2.28	 	 	 	1.89	 	 	 	1.99	 	 	 	2.11	 	 	 	2.99	 	 	 	3.11	 
	33
	 	 	2.01	 	 	 	2.12	 	 	 	2.25	 	 	 	3.36	 	 	 	3.50	 	 	 	1.76	 	 	 	1.85	 	 	 	1.96	 	 	 	2.30	 	 	 	2.39	 	 	 	1.96	 	 	 	2.07	 	 	 	2.19	 	 	 	3.15	 	 	 	3.28	 
	34
	 	 	2.11	 	 	 	2.22	 	 	 	2.35	 	 	 	3.56	 	 	 	3.70	 	 	 	1.84	 	 	 	1.94	 	 	 	2.06	 	 	 	2.43	 	 	 	2.53	 	 	 	2.05	 	 	 	2.17	 	 	 	2.29	 	 	 	3.34	 	 	 	3.47	 
	35
	 	 	2.20	 	 	 	2.33	 	 	 	2.46	 	 	 	3.80	 	 	 	3.96	 	 	 	1.92	 	 	 	2.03	 	 	 	2.15	 	 	 	2.58	 	 	 	2.68	 	 	 	2.15	 	 	 	2.27	 	 	 	2.40	 	 	 	3.56	 	 	 	3.70	 
	36
	 	 	2.32	 	 	 	2.45	 	 	 	2.60	 	 	 	4.08	 	 	 	4.24	 	 	 	2.05	 	 	 	2.16	 	 	 	2.29	 	 	 	2.79	 	 	 	2.90	 	 	 	2.27	 	 	 	2.39	 	 	 	2.54	 	 	 	3.82	 	 	 	3.97	 
	37
	 	 	2.47	 	 	 	2.61	 	 	 	2.76	 	 	 	4.42	 	 	 	4.60	 	 	 	2.20	 	 	 	2.33	 	 	 	2.46	 	 	 	3.05	 	 	 	3.17	 	 	 	2.42	 	 	 	2.55	 	 	 	2.70	 	 	 	4.15	 	 	 	4.31	 
	38
	 	 	2.64	 	 	 	2.79	 	 	 	2.95	 	 	 	4.82	 	 	 	5.01	 	 	 	2.37	 	 	 	2.50	 	 	 	2.65	 	 	 	3.34	 	 	 	3.47	 	 	 	2.59	 	 	 	2.73	 	 	 	2.89	 	 	 	4.52	 	 	 	4.71	 
	39
	 	 	2.82	 	 	 	2.98	 	 	 	3.15	 	 	 	5.26	 	 	 	5.47	 	 	 	2.55	 	 	 	2.70	 	 	 	2.85	 	 	 	3.66	 	 	 	3.81	 	 	 	2.77	 	 	 	2.92	 	 	 	3.09	 	 	 	4.94	 	 	 	5.14	 
	40
	 	 	3.04	 	 	 	3.21	 	 	 	3.40	 	 	 	5.78	 	 	 	6.01	 	 	 	2.76	 	 	 	2.91	 	 	 	3.08	 	 	 	4.05	 	 	 	4.21	 	 	 	2.98	 	 	 	3.15	 	 	 	3.33	 	 	 	5.44	 	 	 	5.65	 
	41
	 	 	3.26	 	 	 	3.44	 	 	 	3.64	 	 	 	6.34	 	 	 	6.59	 	 	 	2.99	 	 	 	3.16	 	 	 	3.34	 	 	 	4.46	 	 	 	4.63	 	 	 	3.20	 	 	 	3.38	 	 	 	3.58	 	 	 	5.96	 	 	 	6.20	 
	42
	 	 	3.50	 	 	 	3.69	 	 	 	3.91	 	 	 	6.96	 	 	 	7.23	 	 	 	3.22	 	 	 	3.40	 	 	 	3.60	 	 	 	4.87	 	 	 	5.06	 	 	 	3.44	 	 	 	3.63	 	 	 	3.85	 	 	 	6.54	 	 	 	6.80	 
	43
	 	 	3.78	 	 	 	3.99	 	 	 	4.22	 	 	 	7.63	 	 	 	7.94	 	 	 	3.45	 	 	 	3.64	 	 	 	3.86	 	 	 	5.27	 	 	 	5.49	 	 	 	3.71	 	 	 	3.92	 	 	 	4.15	 	 	 	7.16	 	 	 	7.45	 
	44
	 	 	4.07	 	 	 	4.29	 	 	 	4.55	 	 	 	8.37	 	 	 	8.71	 	 	 	3.68	 	 	 	3.88	 	 	 	4.11	 	 	 	5.68	 	 	 	5.91	 	 	 	3.99	 	 	 	4.21	 	 	 	4.46	 	 	 	7.83	 	 	 	8.15	 
	45
	 	 	4.39	 	 	 	4.64	 	 	 	4.91	 	 	 	9.14	 	 	 	9.51	 	 	 	3.93	 	 	 	4.15	 	 	 	4.40	 	 	 	6.11	 	 	 	6.36	 	 	 	4.30	 	 	 	4.54	 	 	 	4.81	 	 	 	8.54	 	 	 	8.88	 
	46
	 	 	4.76	 	 	 	5.02	 	 	 	5.32	 	 	 	9.96	 	 	 	10.36	 	 	 	4.20	 	 	 	4.43	 	 	 	4.69	 	 	 	6.57	 	 	 	6.83	 	 	 	4.65	 	 	 	4.90	 	 	 	5.19	 	 	 	9.28	 	 	 	9.66	 
	47
	 	 	5.13	 	 	 	5.42	 	 	 	5.74	 	 	 	10.84	 	 	 	11.27	 	 	 	4.50	 	 	 	4.75	 	 	 	5.03	 	 	 	7.03	 	 	 	7.31	 	 	 	5.01	 	 	 	5.28	 	 	 	5.60	 	 	 	10.08	 	 	 	10.48	 
	48
	 	 	5.56	 	 	 	5.87	 	 	 	6.21	 	 	 	11.79	 	 	 	12.26	 	 	 	4.81	 	 	 	5.07	 	 	 	5.37	 	 	 	7.53	 	 	 	7.83	 	 	 	5.41	 	 	 	5.71	 	 	 	6.04	 	 	 	10.94	 	 	 	11.37	 
	49
	 	 	6.02	 	 	 	6.35	 	 	 	6.72	 	 	 	12.83	 	 	 	13.34	 	 	 	5.14	 	 	 	5.43	 	 	 	5.75	 	 	 	8.08	 	 	 	8.41	 	 	 	5.84	 	 	 	6.17	 	 	 	6.53	 	 	 	11.88	 	 	 	12.35	 
	50
	 	 	6.54	 	 	 	6.90	 	 	 	7.31	 	 	 	13.97	 	 	 	14.52	 	 	 	5.53	 	 	 	5.84	 	 	 	6.18	 	 	 	8.67	 	 	 	9.02	 	 	 	6.34	 	 	 	6.69	 	 	 	7.08	 	 	 	12.91	 	 	 	13.42	 
	51
	 	 	7.13	 	 	 	7.53	 	 	 	7.97	 	 	 	15.27	 	 	 	15.88	 	 	 	5.96	 	 	 	6.29	 	 	 	6.66	 	 	 	9.30	 	 	 	9.67	 	 	 	6.90	 	 	 	7.28	 	 	 	7.71	 	 	 	14.08	 	 	 	14.64	 
	52
	 	 	7.82	 	 	 	8.25	 	 	 	8.74	 	 	 	16.73	 	 	 	17.40	 	 	 	6.44	 	 	 	6.80	 	 	 	7.20	 	 	 	10.01	 	 	 	10.41	 	 	 	7.54	 	 	 	7.96	 	 	 	8.43	 	 	 	15.39	 	 	 	16.00	 
	53
	 	 	8.62	 	 	 	9.10	 	 	 	9.63	 	 	 	18.40	 	 	 	19.14	 	 	 	6.97	 	 	 	7.36	 	 	 	7.79	 	 	 	10.80	 	 	 	11.24	 	 	 	8.29	 	 	 	8.75	 	 	 	9.26	 	 	 	16.88	 	 	 	17.56	 
	54
	 	 	9.49	 	 	 	10.02	 	 	 	10.61	 	 	 	20.21	 	 	 	21.02	 	 	 	7.52	 	 	 	7.94	 	 	 	8.40	 	 	 	11.61	 	 	 	12.08	 	 	 	9.10	 	 	 	9.60	 	 	 	10.17	 	 	 	18.49	 	 	 	19.23	 
	55
	 	 	10.47	 	 	 	11.05	 	 	 	11.70	 	 	 	22.15	 	 	 	23.03	 	 	 	8.10	 	 	 	8.55	 	 	 	9.05	 	 	 	12.44	 	 	 	12.94	 	 	 	10.00	 	 	 	10.55	 	 	 	11.17	 	 	 	20.21	 	 	 	21.02	 
	56
	 	 	11.55	 	 	 	12.19	 	 	 	12.91	 	 	 	24.21	 	 	 	25.17	 	 	 	8.69	 	 	 	9.17	 	 	 	9.71	 	 	 	13.27	 	 	 	13.80	 	 	 	10.98	 	 	 	11.59	 	 	 	12.27	 	 	 	22.02	 	 	 	22.90	 
	57
	 	 	12.67	 	 	 	13.38	 	 	 	14.17	 	 	 	26.37	 	 	 	27.43	 	 	 	9.26	 	 	 	9.78	 	 	 	10.35	 	 	 	14.03	 	 	 	14.59	 	 	 	11.99	 	 	 	12.66	 	 	 	13.40	 	 	 	23.90	 	 	 	24.86	 
	58
	 	 	13.95	 	 	 	14.72	 	 	 	15.59	 	 	 	28.65	 	 	 	29.80	 	 	 	9.84	 	 	 	10.39	 	 	 	11.00	 	 	 	14.78	 	 	 	15.38	 	 	 	13.12	 	 	 	13.85	 	 	 	14.67	 	 	 	25.88	 	 	 	26.91	 
	59
	 	 	15.35	 	 	 	16.20	 	 	 	17.16	 	 	 	31.09	 	 	 	32.34	 	 	 	10.48	 	 	 	11.07	 	 	 	11.72	 	 	 	15.59	 	 	 	16.22	 	 	 	14.38	 	 	 	15.17	 	 	 	16.07	 	 	 	27.99	 	 	 	29.11	 
	60
	 	 	16.94	 	 	 	17.88	 	 	 	18.93	 	 	 	33.81	 	 	 	35.17	 	 	 	11.25	 	 	 	11.87	 	 	 	12.57	 	 	 	16.55	 	 	 	17.22	 	 	 	15.80	 	 	 	16.68	 	 	 	17.66	 	 	 	30.36	 	 	 	31.58	 
	61
	 	 	18.69	 	 	 	19.73	 	 	 	20.89	 	 	 	36.89	 	 	 	38.36	 	 	 	12.19	 	 	 	12.87	 	 	 	13.62	 	 	 	17.76	 	 	 	18.47	 	 	 	17.39	 	 	 	18.36	 	 	 	19.44	 	 	 	33.06	 	 	 	34.39	 
	62
	 	 	20.72	 	 	 	21.88	 	 	 	23.16	 	 	 	40.35	 	 	 	41.96	 	 	 	13.36	 	 	 	14.11	 	 	 	14.94	 	 	 	19.31	 	 	 	20.08	 	 	 	19.25	 	 	 	20.32	 	 	 	21.52	 	 	 	36.14	 	 	 	37.59	 
	63
	 	 	23.01	 	 	 	24.29	 	 	 	25.72	 	 	 	44.22	 	 	 	45.99	 	 	 	14.80	 	 	 	15.63	 	 	 	16.55	 	 	 	21.19	 	 	 	22.03	 	 	 	21.37	 	 	 	22.56	 	 	 	23.88	 	 	 	39.61	 	 	 	41.20	 
	64
	 	 	25.57	 	 	 	26.99	 	 	 	28.57	 	 	 	48.45	 	 	 	50.39	 	 	 	16.43	 	 	 	17.34	 	 	 	18.36	 	 	 	23.29	 	 	 	24.22	 	 	 	23.74	 	 	 	25.06	 	 	 	26.53	 	 	 	43.42	 	 	 	45.16	 
	65
	 	 	28.35	 	 	 	29.93	 	 	 	31.69	 	 	 	52.93	 	 	 	55.05	 	 	 	18.17	 	 	 	19.18	 	 	 	20.31	 	 	 	25.51	 	 	 	26.53	 	 	 	26.31	 	 	 	27.78	 	 	 	29.41	 	 	 	47.45	 	 	 	49.35	 
	66
	 	 	31.38	 	 	 	33.12	 	 	 	35.07	 	 	 	57.63	 	 	 	59.94	 	 	 	19.99	 	 	 	21.10	 	 	 	22.34	 	 	 	27.75	 	 	 	28.87	 	 	 	29.10	 	 	 	30.72	 	 	 	32.52	 	 	 	51.66	 	 	 	53.72	 
	67
	 	 	34.61	 	 	 	36.53	 	 	 	38.68	 	 	 	62.49	 	 	 	64.99	 	 	 	21.83	 	 	 	23.04	 	 	 	24.39	 	 	 	29.93	 	 	 	31.13	 	 	 	32.05	 	 	 	33.83	 	 	 	35.82	 	 	 	55.98	 	 	 	58.22	 
	68
	 	 	38.12	 	 	 	40.24	 	 	 	42.60	 	 	 	67.58	 	 	 	70.29	 	 	 	23.74	 	 	 	25.06	 	 	 	26.53	 	 	 	32.13	 	 	 	33.42	 	 	 	35.24	 	 	 	37.20	 	 	 	39.39	 	 	 	60.49	 	 	 	62.91	 
	69
	 	 	42.03	 	 	 	44.36	 	 	 	46.97	 	 	 	73.12	 	 	 	76.05	 	 	 	25.87	 	 	 	27.31	 	 	 	28.91	 	 	 	34.53	 	 	 	35.91	 	 	 	38.80	 	 	 	40.95	 	 	 	43.36	 	 	 	65.41	 	 	 	68.02	 
	70
	 	 	49.53	 	 	 	52.29	 	 	 	55.36	 	 	 	84.50	 	 	 	87.88	 	 	 	30.25	 	 	 	31.93	 	 	 	33.81	 	 	 	39.85	 	 	 	41.45	 	 	 	45.68	 	 	 	48.22	 	 	 	51.05	 	 	 	75.57	 	 	 	78.60	 
	71
	 	 	56.62	 	 	 	59.76	 	 	 	63.28	 	 	 	94.69	 	 	 	98.47	 	 	 	34.55	 	 	 	36.47	 	 	 	38.61	 	 	 	45.04	 	 	 	46.84	 	 	 	52.20	 	 	 	55.10	 	 	 	58.34	 	 	 	84.76	 	 	 	88.15	 
	72
	 	 	64.91	 	 	 	68.51	 	 	 	72.54	 	 	 	106.34	 	 	 	110.60	 	 	 	39.83	 	 	 	42.04	 	 	 	44.51	 	 	 	51.39	 	 	 	53.44	 	 	 	59.89	 	 	 	63.22	 	 	 	66.94	 	 	 	95.35	 	 	 	99.16	 
	73
	 	 	74.50	 	 	 	78.63	 	 	 	83.26	 	 	 	119.50	 	 	 	124.28	 	 	 	46.22	 	 	 	48.79	 	 	 	51.66	 	 	 	58.99	 	 	 	61.35	 	 	 	68.84	 	 	 	72.66	 	 	 	76.94	 	 	 	107.40	 	 	 	111.69	 
	74
	 	 	85.29	 	 	 	90.03	 	 	 	95.33	 	 	 	134.21	 	 	 	139.58	 	 	 	53.71	 	 	 	56.70	 	 	 	60.03	 	 	 	67.82	 	 	 	70.53	 	 	 	78.98	 	 	 	83.36	 	 	 	88.27	 	 	 	120.93	 	 	 	125.77	 
	75
	 	 	99.81	 	 	 	105.35	 	 	 	111.55	 	 	 	154.40	 	 	 	160.57	 	 	 	63.98	 	 	 	67.53	 	 	 	71.50	 	 	 	79.83	 	 	 	83.02	 	 	 	92.64	 	 	 	97.79	 	 	 	103.54	 	 	 	139.48	 	 	 	145.06	 
	76
	 	 	113.04	 	 	 	119.32	 	 	 	126.34	 	 	 	171.83	 	 	 	178.70	 	 	 	73.75	 	 	 	77.84	 	 	 	82.42	 	 	 	90.92	 	 	 	94.55	 	 	 	105.18	 	 	 	111.02	 	 	 	117.55	 	 	 	155.64	 	 	 	161.87	 
	77
	 	 	127.30	 	 	 	134.37	 	 	 	142.28	 	 	 	189.99	 	 	 	197.59	 	 	 	84.52	 	 	 	89.21	 	 	 	94.46	 	 	 	102.87	 	 	 	106.98	 	 	 	118.74	 	 	 	125.34	 	 	 	132.71	 	 	 	172.57	 	 	 	179.47	 
	78
	 	 	142.71	 	 	 	150.64	 	 	 	159.50	 	 	 	209.00	 	 	 	217.36	 	 	 	96.49	 	 	 	101.85	 	 	 	107.84	 	 	 	115.87	 	 	 	120.51	 	 	 	133.47	 	 	 	140.88	 	 	 	149.17	 	 	 	190.38	 	 	 	197.99	 
	79
	 	 	159.69	 	 	 	168.56	 	 	 	178.48	 	 	 	229.38	 	 	 	238.56	 	 	 	110.04	 	 	 	116.15	 	 	 	122.98	 	 	 	130.34	 	 	 	135.55	 	 	 	149.76	 	 	 	158.08	 	 	 	167.38	 	 	 	209.57	 	 	 	217.95	 
	80
	 	 	182.92	 	 	 	193.09	 	 	 	204.44	 	 	 	257.52	 	 	 	267.82	 	 	 	128.59	 	 	 	135.74	 	 	 	143.72	 	 	 	150.20	 	 	 	156.20	 	 	 	172.06	 	 	 	181.62	 	 	 	192.30	 	 	 	236.06	 	 	 	245.50	 
	81
	 	 	204.99	 	 	 	216.38	 	 	 	229.11	 	 	 	282.76	 	 	 	294.07	 	 	 	147.19	 	 	 	155.37	 	 	 	164.50	 	 	 	169.45	 	 	 	176.23	 	 	 	193.43	 	 	 	204.18	 	 	 	216.19	 	 	 	260.09	 	 	 	270.50	 
	82
	 	 	230.21	 	 	 	243.00	 	 	 	257.29	 	 	 	311.00	 	 	 	323.44	 	 	 	168.93	 	 	 	178.31	 	 	 	188.80	 	 	 	191.63	 	 	 	199.30	 	 	 	217.95	 	 	 	230.06	 	 	 	243.59	 	 	 	287.12	 	 	 	298.61	 
	83
	 	 	258.60	 	 	 	272.97	 	 	 	289.03	 	 	 	342.00	 	 	 	355.68	 	 	 	193.88	 	 	 	204.65	 	 	 	216.69	 	 	 	217.52	 	 	 	226.22	 	 	 	245.66	 	 	 	259.31	 	 	 	274.56	 	 	 	317.11	 	 	 	329.79	 
	84
	 	 	289.87	 	 	 	305.98	 	 	 	323.98	 	 	 	375.07	 	 	 	390.07	 	 	 	221.96	 	 	 	234.29	 	 	 	248.08	 	 	 	246.20	 	 	 	256.05	 	 	 	276.29	 	 	 	291.64	 	 	 	308.80	 	 	 	349.29	 	 	 	363.26	 
	85
	 	 	330.13	 	 	 	348.48	 	 	 	368.97	 	 	 	417.73	 	 	 	434.44	 	 	 	258.21	 	 	 	272.55	 	 	 	288.58	 	 	 	285.64	 	 	 	297.07	 	 	 	315.75	 	 	 	333.29	 	 	 	352.90	 	 	 	391.31	 	 	 	406.96	 
	86
	 	 	366.47	 	 	 	386.83	 	 	 	409.59	 	 	 	453.14	 	 	 	471.27	 	 	 	292.79	 	 	 	309.06	 	 	 	327.24	 	 	 	323.01	 	 	 	335.93	 	 	 	351.74	 	 	 	371.28	 	 	 	393.12	 	 	 	427.12	 	 	 	444.20	 
	87
	 	 	404.55	 	 	 	427.02	 	 	 	452.14	 	 	 	490.36	 	 	 	509.98	 	 	 	330.40	 	 	 	348.76	 	 	 	369.27	 	 	 	363.29	 	 	 	377.82	 	 	 	389.72	 	 	 	411.37	 	 	 	435.57	 	 	 	464.95	 	 	 	483.55	 
	88
	 	 	444.21	 	 	 	468.89	 	 	 	496.48	 	 	 	529.87	 	 	 	551.07	 	 	 	371.17	 	 	 	391.79	 	 	 	414.84	 	 	 	406.77	 	 	 	423.04	 	 	 	429.61	 	 	 	453.47	 	 	 	480.15	 	 	 	505.25	 	 	 	525.46	 
	89
	 	 	486.00	 	 	 	513.00	 	 	 	543.18	 	 	 	570.34	 	 	 	593.16	 	 	 	415.49	 	 	 	438.57	 	 	 	464.37	 	 	 	453.58	 	 	 	471.72	 	 	 	471.90	 	 	 	498.12	 	 	 	527.42	 	 	 	546.99	 	 	 	568.87	 
	90
	 	 	540.05	 	 	 	570.06	 	 	 	603.59	 	 	 	623.36	 	 	 	648.29	 	 	 	472.21	 	 	 	498.45	 	 	 	527.77	 	 	 	515.62	 	 	 	536.25	 	 	 	526.48	 	 	 	555.73	 	 	 	588.42	 	 	 	601.81	 	 	 	625.88	 
	91
	 	 	588.70	 	 	 	621.41	 	 	 	657.96	 	 	 	668.24	 	 	 	694.97	 	 	 	526.39	 	 	 	555.63	 	 	 	588.31	 	 	 	574.83	 	 	 	597.83	 	 	 	576.24	 	 	 	608.25	 	 	 	644.03	 	 	 	649.56	 	 	 	675.54	 
	92
	 	 	642.54	 	 	 	678.23	 	 	 	718.13	 	 	 	719.79	 	 	 	748.58	 	 	 	587.63	 	 	 	620.27	 	 	 	656.76	 	 	 	641.70	 	 	 	667.37	 	 	 	631.55	 	 	 	666.64	 	 	 	705.85	 	 	 	704.17	 	 	 	732.34	 
	93
	 	 	706.06	 	 	 	745.29	 	 	 	789.13	 	 	 	784.18	 	 	 	815.55	 	 	 	659.95	 	 	 	696.62	 	 	 	737.60	 	 	 	720.69	 	 	 	749.51	 	 	 	696.84	 	 	 	735.56	 	 	 	778.82	 	 	 	771.48	 	 	 	802.34	 
	94
	 	 	789.59	 	 	 	833.46	 	 	 	882.48	 	 	 	869.54	 	 	 	904.33	 	 	 	752.39	 	 	 	794.19	 	 	 	840.91	 	 	 	824.73	 	 	 	857.72	 	 	 	782.15	 	 	 	825.60	 	 	 	874.17	 	 	 	860.58	 	 	 	895.00	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
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	Attained	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard	 	Select	 	Preferred	 	Standard	 	Preferred	 	Standard
	Age	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker	 	Nonsmoker	 	Nonsmoker	 	Nonsmoker	 	Smoker	 	Smoker
	25
	 	 	2.02	 	 	 	2.11	 	 	 	2.22	 	 	 	3.00	 	 	 	3.11	 	 	 	1.70	 	 	 	1.78	 	 	 	1.87	 	 	 	1.98	 	 	 	2.05	 	 	 	1.96	 	 	 	2.05	 	 	 	2.15	 	 	 	2.79	 	 	 	2.89	 
	26
	 	 	2.04	 	 	 	2.14	 	 	 	2.25	 	 	 	3.10	 	 	 	3.21	 	 	 	1.74	 	 	 	1.82	 	 	 	1.91	 	 	 	2.04	 	 	 	2.11	 	 	 	1.98	 	 	 	2.08	 	 	 	2.18	 	 	 	2.89	 	 	 	2.99	 
	27
	 	 	2.06	 	 	 	2.15	 	 	 	2.26	 	 	 	3.12	 	 	 	3.23	 	 	 	1.76	 	 	 	1.85	 	 	 	1.94	 	 	 	2.09	 	 	 	2.16	 	 	 	2.00	 	 	 	2.09	 	 	 	2.20	 	 	 	2.91	 	 	 	3.02	 
	28
	 	 	2.08	 	 	 	2.18	 	 	 	2.29	 	 	 	3.16	 	 	 	3.28	 	 	 	1.80	 	 	 	1.88	 	 	 	1.98	 	 	 	2.16	 	 	 	2.23	 	 	 	2.02	 	 	 	2.12	 	 	 	2.23	 	 	 	2.96	 	 	 	3.07	 
	29
	 	 	2.12	 	 	 	2.22	 	 	 	2.33	 	 	 	3.21	 	 	 	3.32	 	 	 	1.85	 	 	 	1.94	 	 	 	2.03	 	 	 	2.24	 	 	 	2.31	 	 	 	2.06	 	 	 	2.16	 	 	 	2.27	 	 	 	3.01	 	 	 	3.12	 
	30
	 	 	2.15	 	 	 	2.26	 	 	 	2.37	 	 	 	3.27	 	 	 	3.39	 	 	 	1.90	 	 	 	1.99	 	 	 	2.09	 	 	 	2.32	 	 	 	2.40	 	 	 	2.10	 	 	 	2.20	 	 	 	2.31	 	 	 	3.08	 	 	 	3.20	 
	31
	 	 	2.19	 	 	 	2.29	 	 	 	2.41	 	 	 	3.37	 	 	 	3.50	 	 	 	1.95	 	 	 	2.04	 	 	 	2.14	 	 	 	2.40	 	 	 	2.49	 	 	 	2.14	 	 	 	2.24	 	 	 	2.36	 	 	 	3.18	 	 	 	3.29	 
	32
	 	 	2.24	 	 	 	2.34	 	 	 	2.46	 	 	 	3.50	 	 	 	3.62	 	 	 	1.99	 	 	 	2.09	 	 	 	2.19	 	 	 	2.49	 	 	 	2.58	 	 	 	2.19	 	 	 	2.29	 	 	 	2.41	 	 	 	3.29	 	 	 	3.41	 
	33
	 	 	2.31	 	 	 	2.42	 	 	 	2.55	 	 	 	3.66	 	 	 	3.80	 	 	 	2.06	 	 	 	2.15	 	 	 	2.26	 	 	 	2.60	 	 	 	2.69	 	 	 	2.26	 	 	 	2.37	 	 	 	2.49	 	 	 	3.45	 	 	 	3.58	 
	34
	 	 	2.41	 	 	 	2.52	 	 	 	2.65	 	 	 	3.86	 	 	 	4.00	 	 	 	2.14	 	 	 	2.24	 	 	 	2.36	 	 	 	2.73	 	 	 	2.83	 	 	 	2.35	 	 	 	2.47	 	 	 	2.59	 	 	 	3.64	 	 	 	3.77	 
	35
	 	 	2.50	 	 	 	2.63	 	 	 	2.76	 	 	 	4.10	 	 	 	4.26	 	 	 	2.22	 	 	 	2.33	 	 	 	2.45	 	 	 	2.88	 	 	 	2.98	 	 	 	2.45	 	 	 	2.57	 	 	 	2.70	 	 	 	3.86	 	 	 	4.00	 
	36
	 	 	2.62	 	 	 	2.75	 	 	 	2.90	 	 	 	4.38	 	 	 	4.54	 	 	 	2.35	 	 	 	2.46	 	 	 	2.59	 	 	 	3.09	 	 	 	3.20	 	 	 	2.57	 	 	 	2.69	 	 	 	2.84	 	 	 	4.12	 	 	 	4.27	 
	37
	 	 	2.77	 	 	 	2.91	 	 	 	3.06	 	 	 	4.72	 	 	 	4.90	 	 	 	2.50	 	 	 	2.63	 	 	 	2.76	 	 	 	3.35	 	 	 	3.47	 	 	 	2.72	 	 	 	2.85	 	 	 	3.00	 	 	 	4.45	 	 	 	4.61	 
	38
	 	 	2.94	 	 	 	3.09	 	 	 	3.25	 	 	 	5.12	 	 	 	5.31	 	 	 	2.67	 	 	 	2.80	 	 	 	2.95	 	 	 	3.64	 	 	 	3.77	 	 	 	2.89	 	 	 	3.03	 	 	 	3.19	 	 	 	4.82	 	 	 	5.01	 
	39
	 	 	3.12	 	 	 	3.28	 	 	 	3.45	 	 	 	5.56	 	 	 	5.77	 	 	 	2.85	 	 	 	3.00	 	 	 	3.15	 	 	 	3.96	 	 	 	4.11	 	 	 	3.07	 	 	 	3.22	 	 	 	3.39	 	 	 	5.24	 	 	 	5.44	 
	40
	 	 	3.34	 	 	 	3.51	 	 	 	3.70	 	 	 	6.08	 	 	 	6.31	 	 	 	3.06	 	 	 	3.21	 	 	 	3.38	 	 	 	4.35	 	 	 	4.51	 	 	 	3.28	 	 	 	3.45	 	 	 	3.63	 	 	 	5.74	 	 	 	5.95	 
	41
	 	 	3.56	 	 	 	3.74	 	 	 	3.94	 	 	 	6.64	 	 	 	6.89	 	 	 	3.29	 	 	 	3.46	 	 	 	3.64	 	 	 	4.76	 	 	 	4.93	 	 	 	3.50	 	 	 	3.68	 	 	 	3.88	 	 	 	6.26	 	 	 	6.50	 
	42
	 	 	3.80	 	 	 	3.99	 	 	 	4.21	 	 	 	7.26	 	 	 	7.53	 	 	 	3.52	 	 	 	3.70	 	 	 	3.90	 	 	 	5.17	 	 	 	5.36	 	 	 	3.74	 	 	 	3.93	 	 	 	4.15	 	 	 	6.84	 	 	 	7.10	 
	43
	 	 	4.08	 	 	 	4.29	 	 	 	4.52	 	 	 	7.93	 	 	 	8.24	 	 	 	3.75	 	 	 	3.94	 	 	 	4.16	 	 	 	5.57	 	 	 	5.79	 	 	 	4.01	 	 	 	4.22	 	 	 	4.45	 	 	 	7.46	 	 	 	7.75	 
	44
	 	 	4.37	 	 	 	4.59	 	 	 	4.85	 	 	 	8.67	 	 	 	9.01	 	 	 	3.98	 	 	 	4.18	 	 	 	4.41	 	 	 	5.98	 	 	 	6.21	 	 	 	4.29	 	 	 	4.51	 	 	 	4.76	 	 	 	8.13	 	 	 	8.45	 
	45
	 	 	4.69	 	 	 	4.94	 	 	 	5.21	 	 	 	9.44	 	 	 	9.81	 	 	 	4.23	 	 	 	4.45	 	 	 	4.70	 	 	 	6.41	 	 	 	6.66	 	 	 	4.60	 	 	 	4.84	 	 	 	5.11	 	 	 	8.84	 	 	 	9.18	 
	46
	 	 	5.06	 	 	 	5.32	 	 	 	5.62	 	 	 	10.26	 	 	 	10.66	 	 	 	4.50	 	 	 	4.73	 	 	 	4.99	 	 	 	6.87	 	 	 	7.13	 	 	 	4.95	 	 	 	5.20	 	 	 	5.49	 	 	 	9.58	 	 	 	9.96	 
	47
	 	 	5.43	 	 	 	5.72	 	 	 	6.04	 	 	 	11.14	 	 	 	11.57	 	 	 	4.80	 	 	 	5.05	 	 	 	5.33	 	 	 	7.33	 	 	 	7.61	 	 	 	5.31	 	 	 	5.58	 	 	 	5.90	 	 	 	10.38	 	 	 	10.78	 
	48
	 	 	5.86	 	 	 	6.17	 	 	 	6.51	 	 	 	12.09	 	 	 	12.56	 	 	 	5.11	 	 	 	5.37	 	 	 	5.67	 	 	 	7.83	 	 	 	8.13	 	 	 	5.71	 	 	 	6.01	 	 	 	6.34	 	 	 	11.24	 	 	 	11.67	 
	49
	 	 	6.32	 	 	 	6.65	 	 	 	7.02	 	 	 	13.13	 	 	 	13.64	 	 	 	5.44	 	 	 	5.73	 	 	 	6.05	 	 	 	8.38	 	 	 	8.71	 	 	 	6.14	 	 	 	6.47	 	 	 	6.83	 	 	 	12.18	 	 	 	12.65	 
	50
	 	 	6.84	 	 	 	7.20	 	 	 	7.61	 	 	 	14.27	 	 	 	14.82	 	 	 	5.83	 	 	 	6.14	 	 	 	6.48	 	 	 	8.97	 	 	 	9.32	 	 	 	6.64	 	 	 	6.99	 	 	 	7.38	 	 	 	13.21	 	 	 	13.72	 
	51
	 	 	7.43	 	 	 	7.83	 	 	 	8.27	 	 	 	15.57	 	 	 	16.18	 	 	 	6.26	 	 	 	6.59	 	 	 	6.96	 	 	 	9.60	 	 	 	9.97	 	 	 	7.20	 	 	 	7.58	 	 	 	8.01	 	 	 	14.38	 	 	 	14.94	 
	52
	 	 	8.12	 	 	 	8.55	 	 	 	9.04	 	 	 	17.03	 	 	 	17.70	 	 	 	6.74	 	 	 	7.10	 	 	 	7.50	 	 	 	10.31	 	 	 	10.71	 	 	 	7.84	 	 	 	8.26	 	 	 	8.73	 	 	 	15.69	 	 	 	16.30	 
	53
	 	 	8.92	 	 	 	9.40	 	 	 	9.93	 	 	 	18.70	 	 	 	19.44	 	 	 	7.27	 	 	 	7.66	 	 	 	8.09	 	 	 	11.10	 	 	 	11.54	 	 	 	8.59	 	 	 	9.05	 	 	 	9.56	 	 	 	17.18	 	 	 	17.86	 
	54
	 	 	9.79	 	 	 	10.32	 	 	 	10.91	 	 	 	20.51	 	 	 	21.32	 	 	 	7.82	 	 	 	8.24	 	 	 	8.70	 	 	 	11.91	 	 	 	12.38	 	 	 	9.40	 	 	 	9.90	 	 	 	10.47	 	 	 	18.79	 	 	 	19.53	 
	55
	 	 	10.77	 	 	 	11.35	 	 	 	12.00	 	 	 	22.45	 	 	 	23.33	 	 	 	8.40	 	 	 	8.85	 	 	 	9.35	 	 	 	12.74	 	 	 	13.24	 	 	 	10.30	 	 	 	10.85	 	 	 	11.47	 	 	 	20.51	 	 	 	21.32	 
	56
	 	 	11.85	 	 	 	12.49	 	 	 	13.21	 	 	 	24.51	 	 	 	25.47	 	 	 	8.99	 	 	 	9.47	 	 	 	10.01	 	 	 	13.57	 	 	 	14.10	 	 	 	11.28	 	 	 	11.89	 	 	 	12.57	 	 	 	22.32	 	 	 	23.20	 
	57
	 	 	12.97	 	 	 	13.68	 	 	 	14.47	 	 	 	26.67	 	 	 	27.73	 	 	 	9.56	 	 	 	10.08	 	 	 	10.65	 	 	 	14.33	 	 	 	14.89	 	 	 	12.29	 	 	 	12.96	 	 	 	13.70	 	 	 	24.20	 	 	 	25.16	 
	58
	 	 	14.25	 	 	 	15.02	 	 	 	15.89	 	 	 	28.95	 	 	 	30.10	 	 	 	10.14	 	 	 	10.69	 	 	 	11.30	 	 	 	15.08	 	 	 	15.68	 	 	 	13.42	 	 	 	14.15	 	 	 	14.97	 	 	 	26.18	 	 	 	27.21	 
	59
	 	 	15.65	 	 	 	16.50	 	 	 	17.46	 	 	 	31.39	 	 	 	32.64	 	 	 	10.78	 	 	 	11.37	 	 	 	12.02	 	 	 	15.89	 	 	 	16.52	 	 	 	14.68	 	 	 	15.47	 	 	 	16.37	 	 	 	28.29	 	 	 	29.41	 
	60
	 	 	17.24	 	 	 	18.18	 	 	 	19.23	 	 	 	34.11	 	 	 	35.47	 	 	 	11.55	 	 	 	12.17	 	 	 	12.87	 	 	 	16.85	 	 	 	17.52	 	 	 	16.10	 	 	 	16.98	 	 	 	17.96	 	 	 	30.66	 	 	 	31.88	 
	61
	 	 	18.99	 	 	 	20.03	 	 	 	21.19	 	 	 	37.19	 	 	 	38.66	 	 	 	12.49	 	 	 	13.17	 	 	 	13.92	 	 	 	18.06	 	 	 	18.77	 	 	 	17.69	 	 	 	18.66	 	 	 	19.74	 	 	 	33.36	 	 	 	34.69	 
	62
	 	 	21.02	 	 	 	22.18	 	 	 	23.46	 	 	 	40.65	 	 	 	42.26	 	 	 	13.66	 	 	 	14.41	 	 	 	15.24	 	 	 	19.61	 	 	 	20.38	 	 	 	19.55	 	 	 	20.62	 	 	 	21.82	 	 	 	36.44	 	 	 	37.89	 
	63
	 	 	23.31	 	 	 	24.59	 	 	 	26.02	 	 	 	44.52	 	 	 	46.29	 	 	 	15.10	 	 	 	15.93	 	 	 	16.85	 	 	 	21.49	 	 	 	22.33	 	 	 	21.67	 	 	 	22.86	 	 	 	24.18	 	 	 	39.91	 	 	 	41.50	 
	64
	 	 	25.87	 	 	 	27.29	 	 	 	28.87	 	 	 	48.75	 	 	 	50.69	 	 	 	16.73	 	 	 	17.64	 	 	 	18.66	 	 	 	23.59	 	 	 	24.52	 	 	 	24.04	 	 	 	25.36	 	 	 	26.83	 	 	 	43.72	 	 	 	45.46	 
	65
	 	 	28.65	 	 	 	30.23	 	 	 	31.99	 	 	 	53.23	 	 	 	55.35	 	 	 	18.47	 	 	 	19.48	 	 	 	20.61	 	 	 	25.81	 	 	 	26.83	 	 	 	26.61	 	 	 	28.08	 	 	 	29.71	 	 	 	47.75	 	 	 	49.65	 
	66
	 	 	31.68	 	 	 	33.42	 	 	 	35.37	 	 	 	57.93	 	 	 	60.24	 	 	 	20.29	 	 	 	21.40	 	 	 	22.64	 	 	 	28.05	 	 	 	29.17	 	 	 	29.40	 	 	 	31.02	 	 	 	32.82	 	 	 	51.96	 	 	 	54.02	 
	67
	 	 	34.91	 	 	 	36.83	 	 	 	38.98	 	 	 	62.79	 	 	 	65.29	 	 	 	22.13	 	 	 	23.34	 	 	 	24.69	 	 	 	30.23	 	 	 	31.43	 	 	 	32.35	 	 	 	34.13	 	 	 	36.12	 	 	 	56.28	 	 	 	58.52	 
	68
	 	 	38.42	 	 	 	40.54	 	 	 	42.90	 	 	 	67.88	 	 	 	70.59	 	 	 	24.04	 	 	 	25.36	 	 	 	26.83	 	 	 	32.43	 	 	 	33.72	 	 	 	35.54	 	 	 	37.50	 	 	 	39.69	 	 	 	60.79	 	 	 	63.21	 
	69
	 	 	42.33	 	 	 	44.66	 	 	 	47.27	 	 	 	73.42	 	 	 	76.35	 	 	 	26.17	 	 	 	27.61	 	 	 	29.21	 	 	 	34.83	 	 	 	36.21	 	 	 	39.10	 	 	 	41.25	 	 	 	43.66	 	 	 	65.71	 	 	 	68.32	 
	70
	 	 	49.83	 	 	 	52.59	 	 	 	55.66	 	 	 	84.80	 	 	 	88.18	 	 	 	30.55	 	 	 	32.23	 	 	 	34.11	 	 	 	40.15	 	 	 	41.75	 	 	 	45.98	 	 	 	48.52	 	 	 	51.35	 	 	 	75.87	 	 	 	78.90	 
	71
	 	 	56.92	 	 	 	60.06	 	 	 	63.58	 	 	 	94.99	 	 	 	98.77	 	 	 	34.85	 	 	 	36.77	 	 	 	38.91	 	 	 	45.34	 	 	 	47.14	 	 	 	52.50	 	 	 	55.40	 	 	 	58.64	 	 	 	85.06	 	 	 	88.45	 
	72
	 	 	65.21	 	 	 	68.81	 	 	 	72.84	 	 	 	106.64	 	 	 	110.90	 	 	 	40.13	 	 	 	42.34	 	 	 	44.81	 	 	 	51.69	 	 	 	53.74	 	 	 	60.19	 	 	 	63.52	 	 	 	67.24	 	 	 	95.65	 	 	 	99.46	 
	73
	 	 	74.80	 	 	 	78.93	 	 	 	83.56	 	 	 	119.80	 	 	 	124.58	 	 	 	46.52	 	 	 	49.09	 	 	 	51.96	 	 	 	59.29	 	 	 	61.65	 	 	 	69.14	 	 	 	72.96	 	 	 	77.24	 	 	 	107.70	 	 	 	111.99	 
	74
	 	 	85.59	 	 	 	90.33	 	 	 	95.63	 	 	 	134.51	 	 	 	139.88	 	 	 	54.01	 	 	 	57.00	 	 	 	60.33	 	 	 	68.12	 	 	 	70.83	 	 	 	79.28	 	 	 	83.66	 	 	 	88.57	 	 	 	121.23	 	 	 	126.07	 
	75
	 	 	100.11	 	 	 	105.65	 	 	 	111.85	 	 	 	154.70	 	 	 	160.87	 	 	 	64.28	 	 	 	67.83	 	 	 	71.80	 	 	 	80.13	 	 	 	83.32	 	 	 	92.94	 	 	 	98.09	 	 	 	103.84	 	 	 	139.78	 	 	 	145.36	 
	76
	 	 	113.34	 	 	 	119.62	 	 	 	126.64	 	 	 	172.13	 	 	 	179.00	 	 	 	74.05	 	 	 	78.14	 	 	 	82.72	 	 	 	91.22	 	 	 	94.85	 	 	 	105.48	 	 	 	111.32	 	 	 	117.85	 	 	 	155.94	 	 	 	162.17	 
	77
	 	 	127.60	 	 	 	134.67	 	 	 	142.58	 	 	 	190.29	 	 	 	197.89	 	 	 	84.82	 	 	 	89.51	 	 	 	94.76	 	 	 	103.17	 	 	 	107.28	 	 	 	119.04	 	 	 	125.64	 	 	 	133.01	 	 	 	172.87	 	 	 	179.77	 
	78
	 	 	143.01	 	 	 	150.94	 	 	 	159.80	 	 	 	209.30	 	 	 	217.66	 	 	 	96.79	 	 	 	102.15	 	 	 	108.14	 	 	 	116.17	 	 	 	120.81	 	 	 	133.77	 	 	 	141.18	 	 	 	149.47	 	 	 	190.68	 	 	 	198.29	 
	79
	 	 	159.99	 	 	 	168.86	 	 	 	178.78	 	 	 	229.68	 	 	 	238.86	 	 	 	110.34	 	 	 	116.45	 	 	 	123.28	 	 	 	130.64	 	 	 	135.85	 	 	 	150.06	 	 	 	158.38	 	 	 	167.68	 	 	 	209.87	 	 	 	218.25	 
	80
	 	 	183.22	 	 	 	193.39	 	 	 	204.74	 	 	 	257.82	 	 	 	268.12	 	 	 	128.89	 	 	 	136.04	 	 	 	144.02	 	 	 	150.50	 	 	 	156.50	 	 	 	172.36	 	 	 	181.92	 	 	 	192.60	 	 	 	236.36	 	 	 	245.80	 
	81
	 	 	205.29	 	 	 	216.68	 	 	 	229.41	 	 	 	283.06	 	 	 	294.37	 	 	 	147.49	 	 	 	155.67	 	 	 	164.80	 	 	 	169.75	 	 	 	176.53	 	 	 	193.73	 	 	 	204.48	 	 	 	216.49	 	 	 	260.39	 	 	 	270.80	 
	82
	 	 	230.51	 	 	 	243.30	 	 	 	257.59	 	 	 	311.30	 	 	 	323.74	 	 	 	169.23	 	 	 	178.61	 	 	 	189.10	 	 	 	191.93	 	 	 	199.60	 	 	 	218.25	 	 	 	230.36	 	 	 	243.89	 	 	 	287.42	 	 	 	298.91	 
	83
	 	 	258.90	 	 	 	273.27	 	 	 	289.33	 	 	 	342.30	 	 	 	355.98	 	 	 	194.18	 	 	 	204.95	 	 	 	216.99	 	 	 	217.82	 	 	 	226.52	 	 	 	245.96	 	 	 	259.61	 	 	 	274.86	 	 	 	317.41	 	 	 	330.09	 
	84
	 	 	290.17	 	 	 	306.28	 	 	 	324.28	 	 	 	375.37	 	 	 	390.37	 	 	 	222.26	 	 	 	234.59	 	 	 	248.38	 	 	 	246.50	 	 	 	256.35	 	 	 	276.59	 	 	 	291.94	 	 	 	309.10	 	 	 	349.59	 	 	 	363.56	 
	85
	 	 	330.43	 	 	 	348.78	 	 	 	369.27	 	 	 	418.03	 	 	 	434.74	 	 	 	258.51	 	 	 	272.85	 	 	 	288.88	 	 	 	285.94	 	 	 	297.37	 	 	 	316.05	 	 	 	333.59	 	 	 	353.20	 	 	 	391.61	 	 	 	407.26	 
	86
	 	 	366.77	 	 	 	387.13	 	 	 	409.89	 	 	 	453.44	 	 	 	471.57	 	 	 	293.09	 	 	 	309.36	 	 	 	327.54	 	 	 	323.31	 	 	 	336.23	 	 	 	352.04	 	 	 	371.58	 	 	 	393.42	 	 	 	427.42	 	 	 	444.50	 
	87
	 	 	404.85	 	 	 	427.32	 	 	 	452.44	 	 	 	490.66	 	 	 	510.28	 	 	 	330.70	 	 	 	349.06	 	 	 	369.57	 	 	 	363.59	 	 	 	378.12	 	 	 	390.02	 	 	 	411.67	 	 	 	435.87	 	 	 	465.25	 	 	 	483.85	 
	88
	 	 	444.51	 	 	 	469.19	 	 	 	496.78	 	 	 	530.17	 	 	 	551.37	 	 	 	371.47	 	 	 	392.09	 	 	 	415.14	 	 	 	407.07	 	 	 	423.34	 	 	 	429.91	 	 	 	453.77	 	 	 	480.45	 	 	 	505.55	 	 	 	525.76	 
	89
	 	 	486.30	 	 	 	513.30	 	 	 	543.48	 	 	 	570.64	 	 	 	593.46	 	 	 	415.79	 	 	 	438.87	 	 	 	464.67	 	 	 	453.88	 	 	 	472.02	 	 	 	472.20	 	 	 	498.42	 	 	 	527.72	 	 	 	547.29	 	 	 	569.17	 
	90
	 	 	540.35	 	 	 	570.36	 	 	 	603.89	 	 	 	623.66	 	 	 	648.59	 	 	 	472.51	 	 	 	498.75	 	 	 	528.07	 	 	 	515.92	 	 	 	536.55	 	 	 	526.78	 	 	 	556.03	 	 	 	588.72	 	 	 	602.11	 	 	 	626.18	 
	91
	 	 	589.00	 	 	 	621.71	 	 	 	658.26	 	 	 	668.54	 	 	 	695.27	 	 	 	526.69	 	 	 	555.93	 	 	 	588.61	 	 	 	575.13	 	 	 	598.13	 	 	 	576.54	 	 	 	608.55	 	 	 	644.33	 	 	 	649.86	 	 	 	675.84	 
	92
	 	 	642.84	 	 	 	678.53	 	 	 	718.43	 	 	 	720.09	 	 	 	748.88	 	 	 	587.93	 	 	 	620.57	 	 	 	657.06	 	 	 	642.00	 	 	 	667.67	 	 	 	631.85	 	 	 	666.94	 	 	 	706.15	 	 	 	704.47	 	 	 	732.64	 
	93
	 	 	706.36	 	 	 	745.59	 	 	 	789.43	 	 	 	784.48	 	 	 	815.85	 	 	 	660.25	 	 	 	696.92	 	 	 	737.90	 	 	 	720.99	 	 	 	749.81	 	 	 	697.14	 	 	 	735.86	 	 	 	779.12	 	 	 	771.78	 	 	 	802.64	 
	94
	 	 	789.89	 	 	 	833.76	 	 	 	882.78	 	 	 	869.84	 	 	 	904.63	 	 	 	752.69	 	 	 	794.49	 	 	 	841.21	 	 	 	825.03	 	 	 	858.02	 	 	 	782.45	 	 	 	825.90	 	 	 	874.47	 	 	 	860.88	 	 	 	895.30	 

 

 

     

Term 98 Benefit Rates

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	Waiver of Premium	 	Accidental Death Benefit	 	Guaranteed Insurability Option	 	BNO
	 	 	ART	 	5 & 10	 	15	 	20	 	ART	 	5 & 10	 	15	 	20	 	ART	 	5 & 10	 	15	 	20	 	NS	 	SM
	15
	 	 	0.06	 	 	 	0.06	 	 	 	0.06	 	 	 	0.06	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.05	 	 	 	1.20	 	 	 	1.26	 	 	 	1.31	 	 	 	0.00	 	 	 	0.00	 
	16
	 	 	0.06	 	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.09	 	 	 	1.24	 	 	 	1.30	 	 	 	1.35	 	 	 	0.00	 	 	 	0.00	 
	17
	 	 	0.06	 	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.13	 	 	 	1.28	 	 	 	1.34	 	 	 	1.39	 	 	 	0.00	 	 	 	0.00	 
	18
	 	 	0.06	 	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.17	 	 	 	1.32	 	 	 	1.38	 	 	 	1.43	 	 	 	0.00	 	 	 	0.00	 
	19
	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	0.07	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.21	 	 	 	1.36	 	 	 	1.42	 	 	 	1.47	 	 	 	0.00	 	 	 	0.00	 
	20
	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	0.07	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.25	 	 	 	1.40	 	 	 	1.46	 	 	 	1.51	 	 	 	0.00	 	 	 	0.00	 
	21
	 	 	0.06	 	 	 	0.06	 	 	 	0.07	 	 	 	0.08	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.29	 	 	 	1.44	 	 	 	1.50	 	 	 	1.54	 	 	 	0.00	 	 	 	0.00	 
	22
	 	 	0.06	 	 	 	0.07	 	 	 	0.07	 	 	 	0.08	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.33	 	 	 	1.48	 	 	 	1.54	 	 	 	1.57	 	 	 	0.00	 	 	 	0.00	 
	23
	 	 	0.06	 	 	 	0.07	 	 	 	0.07	 	 	 	0.08	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.37	 	 	 	1.52	 	 	 	1.59	 	 	 	1.61	 	 	 	0.00	 	 	 	0.00	 
	24
	 	 	0.06	 	 	 	0.07	 	 	 	0.08	 	 	 	0.09	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.41	 	 	 	1.56	 	 	 	1.63	 	 	 	1.64	 	 	 	0.00	 	 	 	0.00	 
	25
	 	 	0.06	 	 	 	0.07	 	 	 	0.08	 	 	 	0.09	 	 	 	1.00	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.45	 	 	 	1.60	 	 	 	1.67	 	 	 	1.67	 	 	 	0.00	 	 	 	0.00	 
	26
	 	 	0.06	 	 	 	0.08	 	 	 	0.09	 	 	 	0.10	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.01	 	 	 	1.49	 	 	 	1.64	 	 	 	1.69	 	 	 	1.69	 	 	 	0.00	 	 	 	0.00	 
	27
	 	 	0.07	 	 	 	0.08	 	 	 	0.09	 	 	 	0.11	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.02	 	 	 	1.53	 	 	 	1.69	 	 	 	1.72	 	 	 	1.72	 	 	 	0.00	 	 	 	0.00	 
	28
	 	 	0.07	 	 	 	0.09	 	 	 	0.10	 	 	 	0.12	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.02	 	 	 	1.57	 	 	 	1.73	 	 	 	1.75	 	 	 	1.75	 	 	 	0.00	 	 	 	0.00	 
	29
	 	 	0.08	 	 	 	0.09	 	 	 	0.11	 	 	 	0.13	 	 	 	1.00	 	 	 	1.00	 	 	 	1.01	 	 	 	1.02	 	 	 	1.61	 	 	 	1.77	 	 	 	1.78	 	 	 	1.78	 	 	 	0.00	 	 	 	0.00	 
	30
	 	 	0.08	 	 	 	0.10	 	 	 	0.11	 	 	 	0.14	 	 	 	1.00	 	 	 	1.01	 	 	 	1.02	 	 	 	1.03	 	 	 	1.65	 	 	 	1.81	 	 	 	1.81	 	 	 	1.81	 	 	 	0.36	 	 	 	0.36	 
	31
	 	 	0.08	 	 	 	0.10	 	 	 	0.12	 	 	 	0.16	 	 	 	1.00	 	 	 	1.01	 	 	 	1.02	 	 	 	1.03	 	 	 	1.69	 	 	 	1.83	 	 	 	1.83	 	 	 	1.83	 	 	 	0.36	 	 	 	0.36	 
	32
	 	 	0.09	 	 	 	0.11	 	 	 	0.14	 	 	 	0.18	 	 	 	1.00	 	 	 	1.02	 	 	 	1.03	 	 	 	1.04	 	 	 	1.73	 	 	 	1.86	 	 	 	1.86	 	 	 	1.86	 	 	 	0.36	 	 	 	0.48	 
	33
	 	 	0.09	 	 	 	0.12	 	 	 	0.15	 	 	 	0.21	 	 	 	1.00	 	 	 	1.02	 	 	 	1.04	 	 	 	1.05	 	 	 	1.78	 	 	 	1.89	 	 	 	1.89	 	 	 	1.89	 	 	 	0.36	 	 	 	0.48	 
	34
	 	 	0.09	 	 	 	0.13	 	 	 	0.17	 	 	 	0.25	 	 	 	1.00	 	 	 	1.03	 	 	 	1.04	 	 	 	1.06	 	 	 	1.82	 	 	 	1.91	 	 	 	1.91	 	 	 	1.91	 	 	 	0.36	 	 	 	0.48	 
	35
	 	 	0.10	 	 	 	0.14	 	 	 	0.19	 	 	 	0.30	 	 	 	1.00	 	 	 	1.04	 	 	 	1.05	 	 	 	1.06	 	 	 	1.87	 	 	 	1.94	 	 	 	1.94	 	 	 	1.94	 	 	 	0.36	 	 	 	0.48	 
	36
	 	 	0.11	 	 	 	0.16	 	 	 	0.22	 	 	 	0.36	 	 	 	1.01	 	 	 	1.05	 	 	 	1.06	 	 	 	1.07	 	 	 	1.96	 	 	 	1.96	 	 	 	1.96	 	 	 	1.96	 	 	 	0.36	 	 	 	0.48	 
	37
	 	 	0.12	 	 	 	0.18	 	 	 	0.26	 	 	 	0.42	 	 	 	1.02	 	 	 	1.06	 	 	 	1.07	 	 	 	1.08	 	 	 	1.96	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.36	 	 	 	0.48	 
	38
	 	 	0.13	 	 	 	0.20	 	 	 	0.30	 	 	 	0.49	 	 	 	1.03	 	 	 	1.07	 	 	 	1.08	 	 	 	1.10	 	 	 	1.96	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.36	 	 	 	0.48	 
	39
	 	 	0.13	 	 	 	0.22	 	 	 	0.37	 	 	 	0.57	 	 	 	1.04	 	 	 	1.08	 	 	 	1.09	 	 	 	1.11	 	 	 	1.96	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.36	 	 	 	0.60	 
	40
	 	 	0.15	 	 	 	0.26	 	 	 	0.45	 	 	 	0.67	 	 	 	1.05	 	 	 	1.09	 	 	 	1.10	 	 	 	1.12	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.60	 
	41
	 	 	0.17	 	 	 	0.31	 	 	 	0.54	 	 	 	0.73	 	 	 	1.06	 	 	 	1.10	 	 	 	1.11	 	 	 	1.13	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.60	 
	42
	 	 	0.18	 	 	 	0.37	 	 	 	0.65	 	 	 	0.80	 	 	 	1.07	 	 	 	1.11	 	 	 	1.12	 	 	 	1.15	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.60	 
	43
	 	 	0.20	 	 	 	0.46	 	 	 	0.77	 	 	 	0.87	 	 	 	1.08	 	 	 	1.12	 	 	 	1.13	 	 	 	1.16	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.72	 
	44
	 	 	0.23	 	 	 	0.57	 	 	 	0.90	 	 	 	0.96	 	 	 	1.09	 	 	 	1.13	 	 	 	1.15	 	 	 	1.18	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.72	 
	45
	 	 	0.27	 	 	 	0.71	 	 	 	1.06	 	 	 	1.06	 	 	 	1.10	 	 	 	1.14	 	 	 	1.16	 	 	 	1.19	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.72	 
	46
	 	 	0.33	 	 	 	0.87	 	 	 	1.16	 	 	 	1.16	 	 	 	1.11	 	 	 	1.14	 	 	 	1.18	 	 	 	1.21	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.84	 
	47
	 	 	0.38	 	 	 	1.06	 	 	 	1.28	 	 	 	1.28	 	 	 	1.12	 	 	 	1.16	 	 	 	1.19	 	 	 	1.22	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.48	 	 	 	0.84	 
	48
	 	 	0.46	 	 	 	1.26	 	 	 	1.41	 	 	 	1.41	 	 	 	1.13	 	 	 	1.17	 	 	 	1.21	 	 	 	1.23	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.60	 	 	 	0.96	 
	49
	 	 	0.57	 	 	 	1.48	 	 	 	1.56	 	 	 	1.56	 	 	 	1.14	 	 	 	1.18	 	 	 	1.23	 	 	 	1.24	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.60	 	 	 	1.08	 
	50
	 	 	0.73	 	 	 	1.72	 	 	 	1.72	 	 	 	1.72	 	 	 	1.15	 	 	 	1.20	 	 	 	1.26	 	 	 	1.26	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.72	 	 	 	1.08	 
	51
	 	 	0.96	 	 	 	1.89	 	 	 	1.89	 	 	 	1.89	 	 	 	1.16	 	 	 	1.22	 	 	 	1.27	 	 	 	1.27	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.72	 	 	 	1.20	 
	52
	 	 	1.25	 	 	 	2.06	 	 	 	2.06	 	 	 	2.06	 	 	 	1.16	 	 	 	1.25	 	 	 	1.29	 	 	 	1.29	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.84	 	 	 	1.32	 
	53
	 	 	1.59	 	 	 	2.23	 	 	 	2.23	 	 	 	2.23	 	 	 	1.17	 	 	 	1.28	 	 	 	1.30	 	 	 	1.30	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.96	 	 	 	1.44	 
	54
	 	 	1.90	 	 	 	2.38	 	 	 	2.38	 	 	 	2.38	 	 	 	1.18	 	 	 	1.31	 	 	 	1.32	 	 	 	1.32	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.96	 	 	 	1.56	 
	55
	 	 	2.18	 	 	 	2.51	 	 	 	2.51	 	 	 	2.51	 	 	 	1.20	 	 	 	1.35	 	 	 	1.35	 	 	 	1.35	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.08	 	 	 	1.68	 
	56
	 	 	2.38	 	 	 	2.73	 	 	 	2.73	 	 	 	2.73	 	 	 	1.23	 	 	 	1.37	 	 	 	1.37	 	 	 	1.37	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.08	 	 	 	1.80	 
	57
	 	 	2.55	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.27	 	 	 	1.40	 	 	 	1.40	 	 	 	1.40	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	1.92	 
	58
	 	 	2.70	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.31	 	 	 	1.43	 	 	 	1.43	 	 	 	1.43	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	2.04	 
	59
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.35	 	 	 	1.45	 	 	 	1.45	 	 	 	1.45	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.20	 	 	 	2.16	 
	60
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.40	 	 	 	1.48	 	 	 	1.48	 	 	 	1.48	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	1.32	 	 	 	2.28	 

 

 

     

	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	Age	 	Waiver of Premium	 	Accidental Death Benefit	 	Guaranteed Insurability Option	 	BNO
	 	 	ART	 	5 & 10	 	15	 	20	 	ART	 	5 & 10	 	15	 	20	 	ART	 	5 & 10	 	15	 	20	 	NS	 	SM
	61
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.44	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	62
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.48	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	63
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.54	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	64
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	1.59	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 	 	 	0.00	 
	65
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	66
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	67
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	68
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	69
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	70
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	71
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	72
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	73
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	74
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	75
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	76
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	77
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	78
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	79
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	80
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	81
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	82
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	83
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	84
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	85
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	86
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	87
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	88
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	89
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	90
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	91
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	92
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	93
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	94
	 	 	2.88	 	 	 	2.88	 	 	 	2.88	 	 	 	2.88exv10w6

Exhibit 10.6

COINSURANCE FUNDS WITHHELD

REINSURANCE AGREEMENT

No. 001

Between

Transamerica Insurance Company

of Cedar Rapids, IA

(Reinsured)

And

SAFECO Life Insurance Company

of Redmond, WA

(Reinsurer)

Effective December 1, 2001

 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by Symetra Financial Corp., this information has been filed separately with the Securities and Exchange Commission.

 

 

Table of Contents

	 	 	 	 	 
	 	 	 	 	Articles 
	 	 	 	 	 

	 	1	 	 	Preamble

	 	2	 	 	Basis of Reinsurance

	 	3	 	 	Liability

	 	4	 	 	Mutual Considerations

	 	5	 	 	Funds Withheld Balance

	 	6	 	 	Reinsurance Reporting and Premium Accounting

	 	7	 	 	Reductions or Cancellations

	 	8	 	 	Terminal Accounting

	 	9	 	 	Insolvency

	 	10	 	 	Arbitration

	 	11	 	 	Entire Agreement

	 	12	 	 	Service of Suit

	 	13	 	 	General Provisions

	 	14	 	 	Letter of Credit

	 	15	 	 	Commencement and Termination

	 	 	 	 	 

	 	 	 	 	Schedules

	 	 	 	 	 

	 	A	 	 	Specifications

	 	 	 	 	 

	 	 	 	 	Exhibits

	 	 	 	 	 

	 	I	 	 	Underlying Policies

	 	II
	 	 	Letter of Credit Form

 

 

Article 1

Preamble

1.01 This Agreement is made and entered into by and between Transamerica Life Insurance
Company (hereinafter referred to as the “Reinsured”) and SAFECO Life Insurance Company
(hereinafter referred to as the “Reinsurer”).

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

Article 2

Basis of Reinsurance

2.01 Basis. The Reinsured shall cede to the Reinsurer certain Bank Owned Life Insurance
policies (the “Underlying Policies”) as described in Schedule A and listed in Exhibit I on a quota
share original terms basis.

2.02  Reinsurer’s Share. The Reinsurer shall accept the quota share specified in Schedule A.

2.03 Net Retained Lines. This Agreement applies only to that portion of any insurance which the
Reinsured retains net for its own account, and in calculating the amount of any loss hereunder and
also in computing the amount or amounts in excess of which this Agreement attaches, only loss or
losses in respect of that portion of any insurance which the Reinsured retains net for its own
account shall be included. The amount of the Reinsurer’s liability hereunder in respect of any
loss or losses shall not be increased by reason of the inability of the Reinsured to collect from
any other reinsurer(s), whether specific or general, any amounts which may have become due from
such reinsurer(s), whether such inability arises from the insolvency of such other reinsurer(s) or
otherwise.

Article 3

Liability

3.01 Inception. The Reinsurer’s liability shall begin on the effective date of this Agreement.

3.02 Termination. The Reinsurer’s liability shall terminate when the Reinsured’s liability
terminates.

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

 

 

Article 4

Mutual Considerations

4.01 Premium. On the Effective Date of the addition of any business to this agreement, the
Reinsured agrees to pay the Reinsurer a premium equal to the Quota Share percentage shown in
Exhibit I times the Total Initial Premium applicable that business. This amount may be withheld by
the Reinsured in accordance with Article 5.

4.02 Expense Allowance. Expense Allowances are shown in Exhibit I.

4.03 Ongoing Payments. The Reinsured shall credit the Reinsurer with its share of all premiums and
shall debit the Reinsurer with its share of all losses, allowances and loss adjustment expenses
paid by the Reinsured under the Underlying Policies for the business reinsured under this
Agreement.

Article 5

Funds Withheld Balance

5.01 Funds Withheld. Subject to the terms hereof, the Reinsured shall retain as fiduciary of
the Reinsurer the reinsurance premium due hereunder on a funds withheld basis. The amount of such
reinsurance premium so retained shall be called “Funds Withheld”. In consideration of the
Reinsurer agreeing to allow the Reinsured to retain the reinsurance premium on funds withheld
basis, the Reinsured agrees that the Funds Withheld Balance (as defined in Section 5.02) may be
offset by the Reinsurer against liabilities of the Reinsurer for payments under this Agreement.
The Funds Withheld Balance shall be maintained by the Reinsured in a segregated asset portfolio.

5.02 Calculation of the Funds Withheld Balance. As of the effective date of this
Agreement, the Reinsured shall maintain an accounting of all amounts deducted from or added to the
Funds Withheld (the “Funds Withheld Balance”) and shall report the status of the Funds Withheld
Balance calculated in accordance with this provision with each quarterly accounting statement.

 

 

5.03 Initial Funds Withheld Balance. The Funds Withheld balance shall equal:

	 	a)	 	The total of the reinsurance premiums due and payable to the Reinsurer in accordance with Sections 4.01 and 4.03; less
	 
	 	b)	 	the total of any benefits or losses or loss adjustment expenses payable by the Reinsurer in accordance with Section 4.03; less
	 
	 	c)	 	any expense allowances payable by the Reinsurer in accordance with Section 4.02; plus
	 
	 	d)	 	the Funds Withheld Investment Credit (as defined in Section 5.05); less
	 
	 	e)	 	any difference between the Funds Withheld Balance after taking into account adjustments, if applicable, in Sections 5.03(a) through 5.03(d) and the amount of
statutory reserves on the business reinsured.

5.04 Calculation of Funds Withheld Balance after the Effective Date. After the First
Settlement Date, the Funds Withheld Balance shall be calculated on a quarterly basis. The Funds
Withheld Balance shall be calculated in the same manner as for the Initial Funds Withheld Balance
on each subsequent Settlement Date, beginning with the Funds Withheld Balance determined on the
immediately preceding Settlement Date being carried forward, making each adjustment, if
applicable, in Sections 5.03(a) through 5.03(e) for the current settlement period.

5.05 Funds Withheld Investment Credit. For each period from the immediately preceding Settlement
Date until the relevant Settlement Date, the Reinsured shall calculate the Funds Withheld
Investment Credit as of the relevant Settlement Date (except for the First Settlement Date). The
“Funds Withheld Investment Credit” shall be an amount equal to the product of (x) the Funds
Withheld Balance as of the immediately preceding Settlement Date and (y) the Interest Credit Rate.

5.06 The Interest Credit Rate. The Interest Credit Rate shall mean the ratio of the investment
income earned by the assets in the segregated asset portfolio since the immediately preceding
Settlement Date to the book value of the assets in the segregated asset portfolio.

5.07 Funds Withheld Balance at End of Settlement Period. Should the Funds Withheld
Balance be positive at the end of any Settlement Period, then any positive balance shall be
withheld by the Reinsured in accordance with the provisions of this Article. Should the Funds
Withheld Balance be negative at the end of any Settlement Period, then any negative balance shall
be payable in cash to the Reinsured within 30 (thirty) days after rendering of the periodic
settlement statement by the Reinsured.

 

 

Article 6

Reinsurance Reporting and Premium Accounting

6.01 Reporting. Within sixty (60) days following the close of each calendar quarter, the
Reinsured will send the Reinsurer a statement and a list of changes and terminations.

6.02 Settlements. Within thirty (30) days after the end of each accounting period, the Reinsured
shall pay, subject to Article 5, Funds Withheld Balance, to the Reinsurer a settlement for the
accounting period of the preceding calendar quarter computed in accordance with Section 5.03(e).
If the amount computed is positive, then the Reinsured shall pay such amount to the Reinsurer. If
the amount computed is negative, then the Reinsurer shall pay the absolute value of such amount to
the Reinsured. If, at any time subsequent to the settlement just described, the computation is
found to be in error, a recomputation will be performed and payments will be made to reimburse the
Reinsured or Reinsurer as necessary.

6.03 Payment of Balances. The Reinsured will pay, subject to Article 5, Funds Withheld Balance,
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 Section 6.02. The Reinsurer will pay, subject
to Article 5, any balance due the Reinsured, 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 debtor will
pay the difference immediately. All balances not paid within thirty (30) days of the due date
shown on the statement will be in default.

6.04
Termination Because of Non-Payment of Premium.

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

	 	i)	 	The risks described in the preceding sentence and
	 
	 	ii)	 	The risks where the reinsurance premiums became delinquent during the thirty-day period.

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

6.05 Reinstatement of a Delinquent Statement. The Reinsured may reinstate the terminated
risks within sixty (60) days after the effective date of termination by paying the unpaid
reinsurance premiums for the risks in force prior to the termination. The effective date of
reinstatement shall be the day the Reinsured notifies the Reinsurer of its intention to pay all of
the required back premiums.

6.06 Currency. The reinsurance premiums and benefits payable under this Agreement shall be payable
in the lawful money of the United States.

 

 

Article 7

Reductions or Cancellations

7.01 Reductions or Cancellations. Should this Agreement be terminated or the share of the
Reinsurer reduced while the underlying contract remains in force, the Reinsurer shall return to the
Reinsured the unearned premium, if any, as of the date of cancellation or reduction, less the
applicable allowances. If the Reinsured’s liability in the underlying contract is reduced or
canceled, the Reinsurer shall follow the Reinsured’s liability in all respects.

Article 8

Terminal Accounting

8.01 Terminal Accounting. In the event that all of the reinsurance under this Agreement is
terminated in accordance with Article 15, Commencement and Termination, a terminal accounting and
settlement shall take place, subject to Article 5, Funds Withheld Balance.

8.02 Date of Termination. The effective date of termination shall be the end of the
accounting period in which termination is effective. The terminal accounting date shall be the
effective date of termination or such other date as shall be mutually agreed to in writing.

8.03 Settlement. The terminal accounting and settlement shall consist of the settlements as
provided in Article 6, Reinsurance Reporting and Premium Accounting, computed as of the terminal
accounting date. If the calculation of the terminal accounting settlement produces an amount due
the Reinsured, such amount shall be paid by the Reinsurer to the Reinsured. If the calculation of
the terminal accounting and settlement produces an amount due the Reinsurer, the Reinsured shall
pay such amount to the Reinsurer. Such amounts shall be payable within thirty (30) days after the
terminal accounting and settlement is calculated.

8.04 Supplementary Accounting and Settlement. In the event that, subsequent to the
terminal accounting and settlement as provided above, a change is made with respect to any amount
taken into account pursuant to Article 6, Reinsurance Reporting and Premium Accounting, a
supplementary accounting shall take place. Any amount owed to the Reinsurer or to the Reinsured by
reason of such supplementary accounting shall be paid promptly upon the completion thereof.

 

 

Article 9

Insolvency

9.01 In the event of the insolvency of either party and the appointment of a conservator,
liquidator, or statutory successor, any payment due to the insolvent party shall be payable to the
conservator, liquidator, or statutory successor on the basis of claims allowed against the
insolvent party by any court of competent jurisdiction or by any conservator, liquidator, or
statutory successor of the company having authority to allow such claims, without diminution
because of that insolvency, or because the conservator, liquidator, or statutory successor has
failed to pay all or a portion of any claims. Payments by the solvent party as set forth in this
Section shall be made directly to the insolvent party or to its conservator, liquidator, or
statutory successor, except where the contract of insurance specifically provides another payee of
such insurance in the event of insolvency.

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

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

Article 10

Arbitration

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

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

 

 

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

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

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

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

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

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

Article 11

Entire Agreement

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

 

 

Article 12

Service of Suit

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

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

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

Article 13

General Provisions

13.01 Statutory Reserves. The term “statutory reserve(s)” or “gross statutory reserve(s)”,
whenever used for the purpose of this Agreement, shall mean the total reserves that would have
been required under the underlying agreements in accordance with the regulatory requirements of
the original issuing companies’ respective state of domicile had this agreement not have been
placed in effect.

13.02 Inspection of Records. Either company, their respective employees or authorized
representatives, may audit, inspect and examine, during regular business hours, at the home office
of either company, any and all books, records, statements, correspondence, reports, trust accounts
and their related documents or other documents that relate to the policies covered hereunder. The
audited party agrees to provide a reasonable work space for such audit, inspection or examination
and to cooperate fully and to faithfully disclose the existence of and produce any and all
necessary and reasonable materials requested by such auditors, investigators, or examiners. The
company performing a routine audit shall

 

 

provide five (5) working days advance notice to the other party. The expense of the
respective party’s employee(s) or authorized 

representative(s) engaged in such activities will be
borne solely by such party.

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

13.04 Parties to Agreement. This Agreement is solely between the Reinsured and the Reinsurer.
There is no third party to this Agreement. Reinsurance under this Agreement shall not create any
right or legal relationship between the Reinsurer and any other person, for example, any insured,
policy owner, agent, beneficiary or assignee.

13.05 Offset. All monies due either company under this Agreement may be offset against each other,
dollar for dollar, regardless of any insolvency of either party unless otherwise prohibited by
law. If the Reinsurer advances payment through offset of any claim it is contesting and prevails
in the contest, the Reinsured shall return such payment.

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

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

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

Article 14

Letter of Credit

14.01 Statutory Reserve Credit. The Reinsurer will take all necessary steps to enable the
Reinsured to secure statutory reserve credit (the “Statutory Reserve Credit”) in all applicable
United States jurisdictions. Statutory Reserve Credit shall mean the amount of statutory reserves
required by the applicable United States jurisdiction on the risks ceded to the Reinsurer under
this agreement.

 

 

14.02 This Article shall set forth the terms and conditions under which any letter of credit
required hereunder shall be held.

14.03 Letter of Credit. If a jurisdiction of the United States will not permit the Reinsured, in
the statements required to be filed with its regulatory authorities, to receive full credit as
admitted reinsurance for the Reinsurer’s share of losses and reserves for premiums unearned, the
Reinsured will provide the Reinsurer with a statement showing the Reinsurer’s share of such losses
and unearned premiums. Upon receipt of such statement, the Reinsurer shall promptly provide the
Reinsured with a clean, unconditional and irrevocable letter of credit, in the amount specified in
the statement. The terms and bank shall be acceptable to the regulatory authority(ies) having
jurisdiction and the letter of credit shall follow the format attached hereto as Exhibit II.

14.04 Losses. “Losses”, as used in this section, shall be defined as the sum of all losses paid and
allocated loss adjustment expenses paid by the Reinsured but not yet recovered from the Reinsurer,
plus reserves for losses and allocated loss adjustment expenses outstanding, plus reserves for
losses incurred but not reported as determined by the Reinsured.

14.05 Expiration. The Reinsurer hereby agrees that the letter of credit will provide for automatic
extension of the letter of credit without amendment for one year from the date of expiration of
said letter or any future expiration date, unless thirty (30) days prior to any expiration the
issuing bank notifies the Reinsured by Registered Mail that the issuing bank elects not to
consider the letter of credit renewed for any additional period. An issuing bank that is not a
member of the Federal Reserve system shall provide sixty (60) days notice to the Reinsured prior
to any expiration.

14.06 Drawing Upon Letter of Credit. Notwithstanding any other provision of this
Agreement, the Reinsured or its successors in interest may draw upon such credit at any time for
one or more of the following purposes only:

	 	a)	 	To pay or reimburse the Reinsured for the Reinsurer’s share of any losses and unearned premiums as stipulated in the statement submitted by the Reinsured to the
Reinsurer;
	 
	 	b)	 	To make refund of any sum which is in excess of the actual amount required to pay the Reinsurer’s share of any losses and unearned premiums as stipulated in the
statement submitted by the Reinsured to the Reinsurer;
	 
	 	c)	 	To pay or reimburse the Reinsured for any other amounts necessary to secure the credit or reduction from liability for reinsurance taken by the Reinsured;
	 
	 	d)	 	To withdraw the balance of such credit if the Reinsured has
received effective notice of non-renewal of the letter of credit and the Reinsurer’s liability remains
unliquidated and undischarged thirty (30) days prior to the expiration date of the letter of credit; and
	 
	 	e)	 	To pay or reimburse the Reinsured for the Reinsurer’s share of any other amounts the Reinsured claims are due under this Agreement.

14.07 Amendment to Letter of Credit. At semi-annual intervals, or more frequently as
determined by the Reinsured but never more frequently than quarterly, the Reinsured shall prepare
a specific statement, for the sole purpose of amending the letter of credit, of the Reinsurer’s
share of any losses and unearned premiums. If the statement shows that the Reinsurer’s share of
losses plus unearned premiums exceeds the balance of credit as of the statement date, the
Reinsurer shall, within thirty (30) days after receipt of notice of such excess, secure delivery
to the Reinsured of an amendment to the letter of credit or an

 

 

additional letter of credit increasing the amount of credit by the amount of such
difference. If the statement shows, however, that the Reinsurer’s share of losses plus unearned
premiums is less than the balance of credit as of the statement date, the Reinsured shall, within
thirty (30) days after receipt of written request from the Reinsurer, release such excess credit
by agreeing to secure an amendment to the letter of credit reducing the amount of credit available
by the amount of such excess credit.

14.08
Insolvency. The rights and obligations of the Reinsurer and the Reinsured, as set
forth in this Article, shall not be diminished in any manner whatsoever by the insolvency of the
Reinsured or the Reinsurer.

Article 15

Commencement and Termination

15.01 This Agreement shall be effective as of December 1, 2001 and shall remain in force for
an indefinite period.

15.02 In the event the underlying agreements are terminated, this Agreement will also be terminated.

15.03 The Reinsurer shall only be allowed to terminate this Agreement, other than for reasons of a
breach, fraud or misrepresentation as provided for and limited by this Agreement, should the
Reinsured, or its successor, fail to pay the reinsurance premiums or other considerations due the
Reinsurer as provided for in this Agreement. In the event of termination by the Reinsurer,
Terminal Accounting in accordance with Article 8 will apply and a payment in accordance with
Section 8.03 will be effected.

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

	 	 	 	 	 
	Executed in duplicate by

	 	Executed in duplicate by
	Transamerica Life

	 	SAFECO Life
	Insurance Companv

	 	Insurance Company
	on
July 30, 2002.

	 	on July 15, 2002.
	 	 
	 	 	 
	By: 	
/s/ James R. Trefz

	 	By: 	/s/  Michael J. Kinzer  
	Title VP

	 	Title V.P. & Chief actuary
	 	 
	 	 	 
	                                                       
	By: 	
/s/ Ken Turnquist

	 	By: 	/s/
Jon David Parker 
	Title AVP

	 	Title Actuary
	                                                        

 

Schedule A

Specifications

	1.	 	Type of Business: Bank Owned Life Insurance
	 
	2.	 	Plans of Insurance: Policy Form number WL760 136 86 1098, including state variations.
	 
	3.	 	Quota Share: See Exhibit I

 

 

Exhibit I

Underlying Policies

	 	 	 	 	 
	1) The 1997 Citizens Revocable Insurance Trust
	 

	 	Policy Numbers:
	 	26xxxxxxx-26xxxxxxx
	 

	 	Effective Date:
	 	12/20/2001
	 

	 	Total Initial Premium:
	 	$175,000,000
	 

	 	Quota Share:
	 	28.57143%
	                                                       
	 

	 	Expense Allowances:
	 	[***] of premium and [***] of the Statutory Reserve on each Settlement Date.
	                                                        

 

Portions marked [***] have been omitted pursuant to a Confidential Treatment Request by
Symetra Financial Corp.,this information has been filed separately with the Securities and
Exchange Commission.

 

 

Exhibit II

Letter of Credit Form

(Name of Bank)

(Address)

FOR INTERNAL IDENTIFICATION PURPOSES ONLY

Does Not Affect Terms of Letter of Credit or Bank’s Obligations Thereunder

	 	 	 	 	 	 	 	 	 	 	 
	Our No.

	 	 	 	 	 	 	 	Other	 	 
	 

	 	 
	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 
	Accountholder/Applicant	 	 	 	 	 	 	 	 
	 	 	 	 	 
	(Reinsurer)	 	 	 	 	 	 	 	 
	Beneficiary’s State of Domicile	 	 	 	 	 	 
	 	 	 	 	 	 	 

	 	 	 	 	 	 	 	 	 
	Irrevocable

	 	 	 	 	 	Issue Date:	 	 
	 

	 	 	 	 	 	 	 	 
	Letter of Credit No.
	 	 	 	 	 	 	 	 
	 

	 	 	 	 	 	 	 	 

	 	 	 
	To: Beneficiary:

	 	(Name)
	 

	 	(Address)

     We hereby establish this irrevocable Letter of Credit in favor of the aforesaid addressee
(“Beneficiary”) for drawings up to United States $                    , effective immediately. This
Letter of Credit is issued, presentable and payable at our office at (issuing bank’s address) and
expires with our close of business on                     , 20                     .

     The term “Beneficiary” includes any successor by operation of law of the named Beneficiary
including, without limitation, any liquidator, rehabilitator, receiver or conservator. (Insurers
incorporated under the laws of California must use the language in Note 1 below in lieu of this
paragraph.)

     We hereby undertake to promptly honor your sight draft(s) drawn on us, indicating our Credit
No.                    , for all or any part of this Credit if presented at our office specified in paragraph one on
or before the expiration date or any automatically extended expiry date.

     Except as expressly stated herein, this undertaking is not subject to any agreement, condition
or qualification. The obligation of (issuing bank) under this Letter of Credit is the individual
obligation of (issuing bank), and is in no way contingent upon reimbursement with respect thereto.

     It is a condition of this Letter of Credit that it is deemed to be automatically extended
without amendment for one year from the expiration date hereof, or any future expiration date,
unless thirty days prior to such expiration date we notify you by registered mail that we elect not
to consider this Letter of Credit renewed for any such additional period.

 

 

     This Letter of Credit is subject to and governed by the Laws of the State of (see note 2
below) and the 1993 Revision of the Uniform Customs and Practice for Documentary Credits of the
International Chamber of Commerce (Publication 500) and, in the event of any conflict, the Laws
of the State of (see note 2 below) will control. If this Credit expires during an interruption of
business as described in Article 17 of said Publication 500, the bank hereby specifically agrees
to effect payment if this Credit is drawn against within thirty days after the resumption of
business.

Very truly yours,

(Issuing Bank)

Notes:

	1.	 	In lieu of paragraph two above, insurers incorporated under the laws of California must use
the
following paragraph:

     “The term “Beneficiary” includes any successor by operation of law of the named
Beneficiary. If a court of law appoints a successor in interest to the named Beneficiary, then
the named Beneficiary includes and is limited to the court appointed domiciliary receiver
(including conservator, rehabilitator or liquidator).”

2. Insurers incorporated under the laws of California insert California, insurers incorporated
under the laws of New York, insert New York, other insurers insert state of incorporation or New York.
United States branches of alien insurers insert state of entry or New York.

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