Document:

Coinsurance Agreement

 Certain portions of this Exhibit have been omitted pursuant to a request for confidential
treatment. The non-public information has been filed separately with the Securities and Exchange Commission pursuant to Rule 24b-2 under the Securities Exchange Act of 1934, as amended. The omitted portions of this Exhibit are indicated by the
following [*****]. 
 Exhibit 10(e) 

 

 

 COINSURANCE AGREEMENT 
 Quota Share and Excess 
 No. 3685-19 

Between 
 Kansas
City Life Insurance Company 
 of Kansas City, Missouri 
 (Ceding Company) 
 And 

Transamerica Occidental Life Insurance Company 
 of Cedar Rapids, Iowa 
 (Reinsurer) 

Effective January 19, 2005 

 Table of Contents 

 

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

 Article 1 
 Preamble 
 1.01 This Agreement is made and entered into by and between
Kansas City Life Insurance Company (hereinafter referred to as the “Ceding Company”) and Transamerica Occidental Life Insurance Company (hereinafter referred to as the “Reinsurer”). 

1.02 The Ceding Company and the Reinsurer mutually agree to reinsure on the terms and conditions stated herein. This Agreement is an
indemnity reinsurance agreement and the performance of the obligations of each party under this Agreement shall be rendered solely to the other party. 
 Article 2 
 Basis of Reinsurance 

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

2.02 Automatic Reinsurance. The Ceding Company shall cede and the Reinsurer shall automatically reinsure policies issued
under the plans of insurance and other additional benefits described in Schedule A subject to the requirements described in Article 3. 
 2.03
Facultative Reinsurance. The Ceding Company may submit to the Reinsurer any coverage described in Schedule A for facultative review subject to the procedures described in Article 4. 

2.04 Initial Minimum. The initial minimum amount of life reinsurance on any individual policy must be greater than or equal to the amount
stated in Schedule A. 
 2.05 Subsequent Minimum. If the subsequent amount of life reinsurance net amount at risk falls below the
minimum amount stated in Schedule A on any policy, as of that date all of the life reinsurance on that policy shall terminate. 
 2.06
Issuance of business. In no event shall the Reinsurer be liable for reinsurance unless the issuance of the insurance by the Ceding Company constituted the transacting of business in a jurisdiction in which the Ceding Company is
properly licensed. 

  
  

					
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 Article 3 
 Automatic Reinsurance 
 3.01 Requirements. 

 

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

 

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

 

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

  

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

 

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

 

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

  

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

  

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

  
  

					
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 Article 4 
 Procedures for Facultative Reinsurance 
 4.01 Submission. The
Ceding Company may submit for facultative evaluation any coverage applied for under a plan of insurance described in Schedule A that does not qualify for Automatic Reinsurance or that the Ceding Company prefers to submit on a facultative basis.

 4.02 Coverage. An application for facultative reinsurance may include life insurance with or without either
disability waiver of premium or accidental death or both. Only accidental death reinsurance may be submitted without a request for life reinsurance. 
 4.03 Underwriting Documentation and Acceptance. Copies of all underwriting documentation relating to the insurability of the individual risk submitted for facultative reinsurance must be
sent to the Reinsurer. After the Reinsurer has examined the underwriting documentation sent, it will promptly notify the Ceding Company of its final underwriting acceptance or its underwriting offer subject to additional requirements. The
Reinsurer’s final underwriting acceptance on the individual risk will automatically terminate when the first of the following situations occurs: 
  

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

  

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

 

	 	c)	 The expiration date specified in the Reinsurer’s final underwriting acceptance. 

Article 5 

Liability 

5.01 Automatic Reinsurance. The Reinsurer’s liability for automatic reinsurance shall begin simultaneously with the
Ceding Company’s liability. The Reinsurer’s liability for any policy reinsured on an automatic basis that did not meet the requirements for automatic reinsurance as specified in Article 3 at the time of policy issue shall be limited such
that the Reinsurer would be in the same financial position had the policy been issued as though the requirements for automatic reinsurance had been followed. 
 5.02 Facultative Reinsurance. The Reinsurer’s liability for facultative reinsurance on the individual risk shall begin simultaneously with the Ceding Company’s liability once the
Reinsurer has accepted in writing the application for facultative reinsurance and the Ceding Company has accepted the Reinsurer’s offer. 

  
  

					
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 5.03 Substandard Risk. For any substandard risk, if the Ceding Company and
Reinsurer disagree by more than two tables on the correct rate class, a mutually agreeable third party will decide the appropriate rate class. 
 5.04 Conditional Receipt. The Reinsurer shall be liable on the coinsurance basis for benefits paid under the Ceding Company’s conditional receipt, temporary insurance or other pre-issue
benefit or liability provided the requirements for automatic reinsurance, as stated in Article 3 of this Agreement, are met. 

5.05 Termination. The Reinsurer’s liability for reinsurance on the individual risk shall terminate when the Ceding
Company’s liability terminates. 
 5.06 Liability of Reinsurer. The Reinsurer shall be liable to the Ceding
Company in the same manner as the Ceding Company is liable on the particular policy form(s) reinsured under this Agreement to the extent such terms and conditions are not contrary to the terms and conditions of this Agreement. 

5.07 Receipt of Premium. The initial and subsequent reinsurance premiums must be received by the Reinsurer as stated in
Article 9 in order to maintain the Reinsurer’s liability on each individual risk. 
 5.08 Backdating. The
Reinsurer agrees to accept reinsurance coverage for policies backdated up to six (6) months prior to the effective date of this Agreement. However, it is agreed that the Reinsurer shall not be liable for any mortality risks on such policies
until the effective date of this Agreement. The Reinsurer agrees to pay allowances with effect from each policy’s issue date and the Ceding Company agrees to remit reinsurance premiums due from the policy issue date. All claims incurred during
the six month period prior to the effective date of this Agreement are for the Ceding Company’s account. 
 Article 6

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

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

  
  

					
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 Article 7 
 Plans of Insurance and Reserves 
 7.01 Life Reinsurance. Life
reinsurance for both the quota share portion and the excess portion shall be on a coinsurance basis. The Reinsurer must establish and assume liability for all statutory reserves in proportion to its share of the liability. This is required by law in
the State of Missouri. 
 7.02 Reserves. The Reinsurer shall hold reserves in accordance with the NAIC Valuation
of Life Insurance Policies Model Regulation. The Reinsurer and the Ceding Company agree that the X-factors specified in Exhibit V, which were used to determine the reinsurance premium rates and allowances contained in this Agreement, are appropriate
for the policies reinsured under this Agreement. Any future changes to these X-factors shall be based on the emerging experience of the policies reinsured under this Agreement. 

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

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

 Article 8 
 Consideration 
 8.01 Premiums Paid on a Coinsurance Basis.
The reinsurance premiums paid to the Reinsurer will be the Reinsurer’s portion of the current premiums (shown in Exhibit I) collected on the particular policies, including substandard table extra and flat extra premiums and the policy fee.

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

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

  
  

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

8.05 Income Tax Reimbursement. The Ceding Company and the Reinsurer agree to remain liable for their respective Federal
Income Tax liabilities, including any Section 848 “DAC” taxable income that may be incurred by the reinsurance of the particular policies by the Reinsurer. 
 8.06 Expense Allowances. The Reinsurer shall pay the Ceding Company a fee for expenses in an amount equal to the allowances shown in Exhibit II based on the Reinsurer’s portion of the
premiums stated above. 
 8.07 Premium Change. The Ceding Company shall notify the Reinsurer immediately of any
change in the premiums shown in Exhibit I. If the current premium is lowered, the Reinsurer shall have the right to modify the Expense Allowances shown in Exhibit II, subject to the Ceding Company’s agreement. The lower current premium will not
be effective until such agreement is reached. 
 Article 9 

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

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

 

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

  

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

  
  

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

 9.02 Termination Because of Non-Payment of Premium. 

 

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

 

	 	i)	 The risks described in the preceding sentence and 

  

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

 

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

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

9.04 Payment of Reinsurance Premium Balance by the Reinsurer. If the net reinsurance premium balance is payable to the
Ceding Company, the Reinsurer must remit payment to the Ceding Company within thirty (30) days after receiving the statement. 
 9.05 In Force List. Within sixty (60) days after the close of the calendar year, the Ceding Company shall send the Reinsurer an in force listing of all policies reinsured under this
Agreement. Such listing shall include the data specified in Exhibit IV. 

  
  

					
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 Article 10 
 Reinstatement 
 10.01 Lapses. If insurance lapses for
nonpayment of premium and is reinstated under the terms of the particular policy and the Ceding Company’s usual reinstatement practices and procedures, the reinsurance of the particular policy shall be reinstated by the Reinsurer as of the date
of reinstatement. The Ceding Company must pay the Reinsurer all reinsurance premiums and interest in the same manner as the Ceding Company received the insurance premiums and interest under the particular policy. 

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

Article 11 

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

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

	 	a)	 The increase is subject to new underwriting evidence and 

 

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

  

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

  
  

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

 11.04 Procedure for Increase or Reduction in Face
Amount. If the face amount of a particular policy reinsured under this Agreement is increased or reduced, the reinsurance shall first be increased or reduced proportionally on the quota share portion for the particular policy involved and
any excess portion reinsured shall then be appropriately increased or reduced. 
 11.05 Reduction or Termination of
Retained Amount. If any portion of the total face amount of a particular policy retained by the Ceding Company reduces or terminates, any excess reinsurance under this Agreement based on the same life shall also be reduced or terminated. The
Ceding Company shall reduce its excess reinsurance by applying the maximum retention limits that were in effect at the time the policy was issued. The Ceding Company shall not be required to retain an amount in excess of its maximum retention limit
for the age, mortality rating and risk classification at the time of issue for any policy on which reinsurance is being reduced. 
 11.06 Procedure for Reduction or Termination of Retained Amount. The Ceding Company must first reduce the excess reinsurance of the particular policy that has the same mortality rating as
the terminated insurance. If further reduction is required, the excess reinsurance to be terminated or reduced shall be effected in the inverse order in which the particular policy was first reinsured. 

11.07 More Than One Reinsurer. If the reinsurance of a particular policy is shared by more than one reinsurer, the
Reinsurer’s percentage of the increased or reduced reinsurance shall be the same as its initial percentage of reinsurance of the policy. 
 11.08 Termination. If a particular policy reinsured under this Agreement is terminated, the reinsurance for the policy shall be terminated on the effective date of termination. 

11.09 Facultative Change. On facultative reinsurance, if the Ceding Company wishes to reduce the mortality rating on
a particular policy, this reduction shall be subject to the facultative provisions of this Agreement. 
 11.10
Refund. The Reinsurer shall refund to the Ceding Company all unearned reinsurance premiums, less applicable allowances but excluding policy fees, arising from reductions, terminations and changes as described in this Article.

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

  
  

					
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 Article 12 
 Claims 
 12.01 Notification. The Ceding Company shall
promptly notify the Reinsurer in writing whenever the Ceding Company has received notice of a claim where reinsurance under this Agreement is involved. If a survivor life plan is involved, the Ceding Company shall notify the Reinsurer of each death
as soon as possible after it has occurred. 
 12.02 Liability. The Reinsurer’s liability for the insurance
benefits reinsured under this Agreement shall be subject to the same terms and conditions of the particular policy under which the Ceding Company is liable. 
 12.03 Contestable Period or Incontestable Period (Face Amount $1,000,000 or Greater). If a claim is made within the contestable period, as defined in the particular policy, or under the
incontestable period where the face amount of the amount of the policy issued is greater than $1,000,000, or the amount of reinsurance ceded to the Reinsurer on the policy is equal to or greater than $500,000, or claims for which the Ceding Company
retained less than its usual retention on the policy, the Ceding Company shall await the Reinsurer’s opinion before admitting any liability or making any settlement with the claimant. The Ceding Company must submit a copy of all papers
connected with the claim to the Reinsurer. After the Reinsurer has reviewed all the claim papers, the Reinsurer shall provide the Ceding Company with an opinion as to how the Reinsurer would have handled the claim had it been the Reinsurer’s
claim. The Reinsurer shall provide the Ceding Company with an opinion within ten (10) working days after the Reinsurer has received a copy of all papers connected with the claim. If the Reinsurer does not respond within this ten-day period, it
shall be presumed that the Reinsurer is agreeable to the payment of the claim. However, given the Ceding Company’s relationship with its claimant, the Ceding Company is not obligated to follow the Reinsurer’s opinion. 

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

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

 

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

 

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

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

12.05 Payment. The Ceding Company shall provide the Reinsurer with proper claim papers and proofs when requesting payment.
The Reinsurer shall pay its share of each claim in a lump sum without regard to the form of claim settlement by the Ceding Company. 
 12.06 Interest. If the Ceding Company is obliged by applicable state law or court order to pay interest from a specified date, such as the date of death of an insured, on a particular
policy, the Reinsurer shall pay its share of the claim at the same rate and for the same period as that which the Ceding Company is required, excluding extra-contractual obligations. 

  
  

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

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

 

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

 12.08 Routine/Non-Routine Expenses. For the purpose of this Article, the term
“routine expenses” shall mean fees, charges, costs and expenses of retained legal and investigative personnel, excluding employees, that are incurred in rescinding a policy, contesting a policy or litigating a claim. The term
“non-routine expenses” of the contest shall mean any penalties, attorney’s fees and interest imposed automatically by statute against the Ceding Company which arise solely out of any judgment rendered against the Ceding Company in a
suit for policy benefits. However, “non-routine expenses” shall not include extra-contractual damages. Notwithstanding the foregoing definitions, the Reinsurer shall not be liable for any office expenses or salaries or expenses of
employees of the Ceding Company or of any subsidiary or affiliate of the Ceding Company, incurred in connection with the administration of the business reinsured pursuant to this Agreement or the disposition of a claim, loss or legal proceeding
(including investigation, negotiation) legal expenses and court costs). 
 12.09 Misstatement of Age or Sex. If
the amount of insurance provided by any policy or policies reinsured hereunder is increased or reduced because of a misstatement of age or sex that is established after the death of the insured, the Reinsurer shall share in the increase or reduction
in the proportion that the net liability of the Reinsurer bears to the total of the net liability of the Ceding Company and the net liability of all reinsurers, including the Reinsurer, immediately prior to such increase or reduction. The
reinsurance shall be restructured from commencement on the basis of the adjusted amount using premiums and reserves for the correct age or sex. The adjustment for the difference in reinsurance premiums and any associated commissions or allowances,
dividends, policy value or reserves shall be made without interest. 
 12.10 Waiver of Premium. In the case of a
disability waiver of premium claim, the Reinsurer shall reimburse the Ceding Company for its proportionate share of the Ceding Company’s annual liability actually waived. The Ceding Company shall continue to pay the Reinsurer the reinsurance
premiums on the policy. 

  
  

					
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 Article 13 
 Extra-Contractual Damages 
 13.01 Definitions. For purposes
of this Article, the following are definitions of elements of extra-contractual damages: 
  

	 	a)	 “Punitive Damages” are those damages awarded as a penalty, the amount of which is not governed or fixed by statute;

  

	 	b)	 “Statutory Damages” are those amounts awarded as a penalty, but are fixed in amount by statute; 

 

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

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

13.03 Exception. Except as provided in Section 13.04, the Reinsurer shall not be liable for any extra-contractual
damages. 
 13.04 Assessment of Damages. The Reinsurer recognizes that circumstances may arise under which the
Reinsurer, in equity, should share, to the extent permitted by law, in paying certain assessed damages. The Reinsurer may be liable for any punitive, statutory or compensatory damages awarded or assessed against the Ceding Company if the Reinsurer
elected to join in the contest, litigation or denial of the claim, in writing, and actively directed, participated in, consented to or ratified the act, error, omission or course of conduct of the Ceding Company that ultimately resulted in the award
or assessment of punitive, statutory or compensatory damages. The extent of such sharing is dependent on the good faith assessment of culpability in each case, but all factors being equal, the division of such assessment would be in proportion to
what impact the Reinsurer’s opinion had on such damages. 
 13.05 Legal Fees. If the Reinsurer has liability
for damages as stated in Section 13.04, the Reinsurer shall reimburse the Ceding Company for its share of reasonable legal fees incurred in defense of punitive, statutory or compensatory damages. 

  
  

					
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 Article 14 
 Increase in Retention and Recapture 
 14.01 The reinsurance under this
Agreement shall be maintained in force without reduction except as specifically provided for in this Agreement. 
 14.02 If the
Ceding Company increases its retention limit as stated in Schedule B, written notice of the increase shall be given to the Reinsurer within thirty (30) days of such increase. 

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

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

 

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

  

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

  

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

 

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

 

	 	ii)	 The number of years stated in Schedule A starting with the original “policy date.” 

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

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

  
  

					
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 14.07 If there is a Waiver of Premium claim in effect when recapture takes place, the Waiver
of Premium claim shall continue in effect until the Waiver of Premium claim terminates. The Reinsurer shall not be liable for any other benefits, including the basic life risks that are eligible for recapture. All such eligible benefits shall be
recaptured as if there were no Waiver of Premium claim. 
 14.08 If there is an extension of that Waiver of Premium claim under
the terms of the Ceding Company’s policy, the Reinsurer shall pay its share of the Waiver of Premium claim, provided the Ceding Company continues to pay to the Reinsurer all Waiver of Premium premiums for the period from the date of recapture.

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

Article 15 

Insolvency 
 15.01 In the event of the Ceding Company’s insolvency and the appointment of a conservator, liquidator, or statutory successor, the portion of any risk or obligation assumed by the Reinsurer shall be
payable to the conservator, liquidator, or statutory successor on the basis of claims allowed against the Ceding Company by any court of competent jurisdiction or by any conservator, liquidator, or statutory successor of the company having authority
to allow such claims, without diminution because of that insolvency, or because the conservator, liquidator, or statutory successor has failed to pay all or a portion of any claims. Payments by the Reinsurer as set forth in this Section shall be
made directly to the Ceding Company or to its conservator, liquidator, or statutory successor, except where the contract of insurance or reinsurance specifically provides another payee of such reinsurance in the event of the Ceding Company’s
insolvency. 
 15.02 In the event of the Ceding Company’s insolvency, the conservator, liquidator, or statutory successor shall give
written notice of the pendency of a claim against the Ceding Company on any policies reinsured within a reasonable time after such claim is filed. The Reinsurer may interpose, at its own expense, in the proceeding where such claim is to be
adjudicated, any defense or defenses which it may deem available to the Ceding Company or its conservator, liquidator, or statutory successor. 
 15.03 The expenses incurred by the Reinsurer shall be chargeable, subject to court approval, against the Ceding Company as part of the expense of conservation or liquidation to the extent of a
proportionate share of the benefit which may accrue to the Ceding Company in conservation or liquidation, solely as a result of the defense undertaken by the Reinsurer. Where two or more reinsurers are involved in the same claim and a majority in
interest elect to interpose a defense or defenses to this claim, the expense shall be shared as though such expense had been incurred by the Ceding Company. 
 15.04 This Insolvency clause shall not preclude the Reinsurer from asserting any excuse or defense to payment of this reinsurance other than the excuses or defenses of the insolvency of the Ceding Company
and the failure of the Ceding Company’s liquidator, receiver, conservator or statutory successor to pay all or a portion of any claim. 

  
  

					
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 Article 16 
 Arbitration 
 16.01 As a condition precedent to any right of action
hereunder, any dispute or difference between the Ceding Company and the Reinsurer relating to the interpretation or performance of this Agreement, including its formation or validity, or any transaction under this Agreement, whether arising before
or after termination, shall be submitted to arbitration. Arbitration shall be the method of dispute resolution, regardless of the insolvency of either party, unless the conservator, receiver, liquidator or statutory successor is specifically
exempted from arbitration proceeding by applicable stale law of the insolvency. 
 16.02 Arbitration shall be initiated by the
delivery of written notice of demand for arbitration by one party to another. Such written notice shall contain a brief statement of the issue(s), the failure on behalf of the parties to reach amicable agreement and the date of demand for
arbitration. 
 16.03 The arbitrators and umpire shall be present or former disinterested officers of life reinsurance or
insurance companies other than the two parties to the Agreement or any company owned by, or affiliated with, either party. Each party shall appoint an individual as arbitrator and the two so appointed shall then appoint the umpire. If either party
refuses or neglects to appoint an arbitrator within thirty (30) days, the other party may appoint the second arbitrator. If the two arbitrators do not agree on an umpire within sixty (60) days of the appointment of the second appointed
arbitrator, each of the two arbitrators shall nominate three individuals. Each arbitrator shall then decline two of the nominations presented by the other arbitrator. The umpire shall be chosen from the remaining two nominations by drawing lots.

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

16.05 The arbitration panel shall make its decision with regard to the custom and usage of the insurance and reinsurance business. The
arbitration panel shall interpret this Agreement as an honorable engagement; they are relieved of all judicial formalities and may abstain from following strict rules of taw. The arbitration panel shall be solely responsible for determining what
shall be considered and what procedure they deem appropriate and necessary in the gathering of such facts or data to decide the dispute. 
 16.06 The decision in writing of the majority of the arbitration panel shall be final and binding upon the parties. Judgment may be entered upon the final decision of the arbitration panel in any court
having jurisdiction. 
 16.07 The jointly incurred costs of the arbitration are to be borne equally by both parties. Jointly
incurred costs are specifically defined as any costs that are not solely incurred by one of the parties (e.g., attorney’s fees, expert witness fees, travel to the hearing site, etc.). Costs incurred solely by one of the parties shall be borne
by that party. Once the panel has been selected, the panel shall agree on one billable rate for each of the arbitrators and umpire and that sole cost shall be disclosed to the parties and become payable as a jointly incurred cost as described above.

  
  

					
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 16.08 If more than one reinsurer is involved in the same dispute, all such reinsurers shall
constitute and act as one party for the purposes of this Arbitration Article, provided however, that nothing herein shall impair the rights of such reinsurers to assert several, rather than joint, defenses or claims, nor be construed as changing the
liability under the terms of the Agreement from several to joint. 
 Article 17 

DAC Tax 

Section 1.848-2(g)(8) Election 
 17.01 If applicable, both parties agree to the following pursuant to Section 1.848-2(g) (8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue
Code of 1986, as amended. This election shall be effective for all subsequent taxable years for which this Agreement remains in effect. 
 17.02 The term “party” shall refer to either the Ceding Company or the Reinsurer as appropriate. 
 17.03 The terms used in this Article are defined by reference to Section 1.848-2 of the Income Tax Regulations in effect December 1992. 

17.04 The party with the net positive consideration for this Agreement for each taxable year shall capitalize specified policy
acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c) (1) of the Internal Revenue Code of 1986. 
 17.05 Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency or as otherwise required by the Internal Revenue
Service. 
 17.06 The Ceding Company shall submit a schedule to the Reinsurer by April 1 of each year of its calculation of
the net consideration for the preceding calendar year. This schedule of calculations shall be accompanied by a statement signed by one of the Ceding Company’s officers stating that the Ceding Company shall report such net consideration in its
tax return for the preceding calendar year. 
 17.07 The Reinsurer may contest such calculation by providing an alternative
calculation to the Ceding Company in writing within thirty (30) days of the Reinsurer’s receipt of the Ceding Company’s calculation. If the Reinsurer does not so notify the Ceding Company, the Reinsurer shall report the net
consideration as determined by the Ceding Company in the Reinsurer’s tax return for the previous calendar year. 
 17.08 If
the Reinsurer contests the Ceding Company’s calculation of the net consideration, both parties shall act in good faith to reach an agreement as to the correct amount within thirty (30) days of the date the Reinsurer submits its alternative
calculation. If both parties reach agreement on an amount of net consideration, each party shall report such amount in its respective tax returns for the previous calendar year. 

  
  

					
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 Effective 01/19/2005
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 Article 18 
 Entire Agreement 
 18.01 This Agreement supersedes any and all prior
discussions and understandings between the parties and, upon its execution, constitutes the sole and entire Agreement with respect to the reinsurance provided hereunder. There are no understandings between the parties other than as expressed in this
Agreement. Any change or modification to the Agreement shall be null and void unless effected by a writing subscribed by both the Ceding Company and the Reinsurer. Any waiver shall constitute a waiver only in the circumstances for which it was given
and shall not be a waiver of any future circumstance. 
 Article 19 

Service of Suit 
 19.01 It is agreed that in the event the obligations under this Agreement are not performed by the Reinsurer, at the request of the Ceding Company, the Reinsurer shall submit to the jurisdiction of any
court of competent jurisdiction within the United States and shall comply with all the requirements necessary to give that court jurisdiction. All matters arising under this Agreement shall be determined in accordance with the law and practice of
such court. Nothing in this clause constitutes or should be understood to constitute a waiver of the Reinsurer’s rights to commence an action in any court of competent jurisdiction in the United States, to remove an action to a United States
District Court, or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. Service of process, in any such suit, may be made upon any then duly elected officer of the
Reinsurer (agent for service of process) at 401 North Tryon Street, Suite 800, Charlotte, North Carolina 28202. The Reinsurer shall abide by the final decision of such court or of any appellate court in the event of an appeal, for any suit
instituted against the Reinsurer under this Agreement. 
 19.02 The agent for service of process is authorized and directed to
accept service of process on behalf of the Reinsurer in any such suit and/or upon the request of the Ceding Company, give a written undertaking to the Ceding Company that the agent will enter a general appearance on behalf of the Reinsurer in the
event such a suit is instituted. 
 19.03 The Reinsurer hereby designates the Superintendent, Commissioner or Director of
Insurance or his successor or successors in office, for the State of Iowa, as its true and lawful agent for service of process (in addition to the above named agent), who may be served any lawful process in any action, suit or proceeding instituted
by or on behalf of the Ceding Company or any beneficiary arising out of this Agreement, and hereby designates the above named as the person to whom the Ceding Company is authorized to mail such process or a true copy thereof. 

  
  

					
	 Treaty 3685-19
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 Article 20 
 General Provisions 
 20.01 Inspection of Records. Either
company, their respective employees or authorized representatives, may audit, inspect and examine, during regular business hours, at the home office of either company, any and all books, records, statements, correspondence, reports, trust accounts
and their related documents or other documents that relate to the policies covered hereunder. The audited party agrees to provide a reasonable work space for such audit, inspection or examination and to cooperate fully and to faithfully disclose the
existence of and produce any and all necessary and reasonable materials requested by such auditors, investigators, or examiners. The company performing a routine audit shall provide five (5) working days advance notice to the other party. The
expense of the respective party’s employee(s) or authorized representative(s) engaged in such activities will be borne solely by such party. 
 20.02 Representations and Warrants. The Ceding Company and the Reinsurer agree that all matters with respect to this Agreement require their utmost good faith. Each party represents and
warrants to the other party that it is solvent on a statutory basis in all jurisdictions in which it does business or is licensed. Each party agrees to promptly notify the other party of any material change in its financial condition. The Reinsurer
has entered into this Agreement in reliance upon the Ceding Company’s representations and warranties. Each party affirms that it has and will continue to disclose all matters material to this Agreement and each cession. Examples of such matters
are a material change in underwriting or issue practices or philosophy or a change in each party’s ownership or control. 

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

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

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

  
  

					
	 Treaty 3685-19
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any insured, policy owner, agent, beneficiary or assignee. The Ceding Company further agrees that it will not make the Reinsurer a party to any litigation between any such third party and the
Ceding Company. 
 20.06 Offset. All monies due either company under this Agreement may be offset against each
other, dollar for dollar, regardless of any insolvency of either party unless otherwise prohibited by law. If the Reinsurer advances payment through offset of any claim it is contesting and prevails in the contest, the Ceding Company shall return
such payment plus interest calculated as per the provisions of Section 9.01 d) of this Agreement. 
 20.07 Governing
Law. In the event of litigation, the parties shall submit to the competent jurisdiction of a court in the State of Missouri and shall abide by the final decision of such court. This Agreement shall be governed as to performance,
administration and interpretation by the laws of the State of Missouri, exclusive of the rules with respect to conflicts of law. In all cases, the State of Missouri applies with respect to rules for credit for reinsurance. 

20.08 Other Laws. It is the intention of the Ceding Company and the Reinsurer to comply with all applicable laws, statures,
regulations and rules. The Ceding Company is responsible for compliance with all such laws, statutes, regulations and rules applicable to the sale and solicitation of policies reinsured under this Agreement including, but not limited to, the
requirements of the USA PATRIOT Act and the United States Department of the Treasury’s Office of Foreign Asset Control (hereinafter referred to as “OFAC”). Should either party receive information that a policy reinsured under this
Agreement may insure or be owned, transferred or payable to or be brokered or sold by a Specially Designated National (hereinafter referred to as “SDN”), as such term is defined by OFAC, that party shall provide such information to the
other party. In no event shall the Reinsurer be liable for reinsurance unless the issuance of insurance by the Ceding Company met the OFAC regulatory requirements. No reinsurance claim shall be payable on a policy insuring, owned by or payable to a
SDN that does not hold a valid OFAC license. 
 20.09 Expenses. The Ceding Company shall pay the expense of all
medical examinations, inspection fees and other charges in connection with the issuance of the insurance. 
 20.10 Errors
and Omissions. Unintentional clerical errors, omissions or misunderstandings in the administration of this Agreement by either the Ceding Company or the Reinsurer shall not invalidate the reinsurance hereunder provided the error, omission or
misunderstanding is corrected promptly after discovery. Both companies shall be restored, to the extent possible, to the position they would have occupied had the error, omission or misunderstanding not occurred, but the liability of the Reinsurer
under this Agreement shall in no event exceed the limits specified herein. 
 20.11 Schedules, Exhibits and Section
Headings. Schedules and Exhibits attached hereto are made a part of this Agreement. Section headings are provided for reference purposes only and are not made a part of this Agreement. 

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
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 Article 21 
 Commencement and Termination 
 21.01 This Agreement shall be effective as
of January 19, 2005, and shall remain in force for an indefinite period. Either the Ceding Company or the Reinsurer may terminate the Agreement with respect to new business by giving ninety (90) days’ written notice by certified or
registered mail to the other party. The day the notice is deposited in the mail addressed to an officer of the other company shall be the first day of the ninety-day period. Notwithstanding the foregoing, in the event either company materially
breaches its obligations under this Agreement, the other party may immediately terminate this Agreement for new business, in addition to all other available rights and remedies. 

21.02 During this ninety-day period, the Reinsurer shall continue to accept and the Ceding Company shall continue to cede any new
policies issued prior to the termination of this ninety-day period. 
 21.03 All reinsurance that has been placed in effect
prior to the expiration date set forth in the notice shall remain in effect in accordance with the terms of this Agreement until the reinsured policy’s natural expiration or as specified otherwise in this Agreement. 

21.04 This Agreement shall automatically terminate on the date the Ceding Company’s liability on the last policy reinsured hereunder
terminates. The monthly settlement statement described in Section 9.01 b) shall be prepared by the Ceding Company and sent to the Reinsurer within twenty-five (25) days after the date of termination. For purposes of this section, the date
of termination shall be defined as the last day of the month in which the last policy terminates. Payment of any and all amounts owed by the Ceding Company to the Reinsurer shall be included with the statement. Payment of any and all amounts owed by
the Reinsurer to the Ceding Company shall be made within thirty (30) days after receiving the statement. 
 21.05 Should
this Agreement be terminated in accordance with Section 9.02, Article 14 or by mutual agreement of the parties, the Ceding Company shall prepare the monthly settlement statement described in Section 9.01 b) for the period beginning with
the end of the previous month for which settlement has been made and ending with the effective date of termination or recapture. In the event termination is effected in accordance with Section 9.02 or by mutual agreement of the parties, the
Reinsurer shall recover any unamortized acquisition expenses and the estimated present value of future profits (which shall not be less than $0) under this Agreement. In the event termination is effected in accordance with Article 14, the Reinsurer
shall recover any unamortized acquisition expenses. Payment of any amounts due the Reinsurer shall be included with the statement. The Reinsurer shall pay any amounts due the Ceding Company within thirty (30) days after receiving the terminal
settlement statement. If only a portion of the policies reinsured hereunder are recaptured as described in Article 14, the settlement described above shall apply only with respect to those policies recaptured. 

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	Page  20

  

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	Page 21

 Schedule A 
 Specifications 
  

			
	 1.      Type of Business
	  	 Individual life insurance and waiver of premium issued directly by Ceding Company

		
	 2.      Plans of Insurance
	  	 Pool 1 – Level Term 10 & 20

		  	 Pool 2 – Level Term 15 & 30; Level Term Advantage 10,

15, 20, & 30

	  
		
	 3.      Basis of Reinsurance

 Ceding Company’s Share

Reinsurer’s Pool Share
	  	 Quota Share and Excess

	  	 10% Quota Share

	  	 54% Quota Share and 60% Excess Share (Pool 1 Products)

	  	 81 % Quota Share and 90% Excess Share (Pool 2 Products)

		
	 4.      Maximum Issue Age
	  	 10 Year Term: 18 – 75

		  	 15 Year Term: 18 – 70

		  	 20 Year Term: 18 – 65

		  	 30 Year Term: 18 – 50

		
	 5.      Maximum Mortality
	  	 Each individual risk must not exceed Table 16, Table P,

		  	 500% or its equivalent on a flat extra premium basis

		
	 6.      Minimum Amounts

Initial - Facultative
	  	  
 $100,000

		
	 7.      Years to Recapture
	  	 5 years after the end of the level period, and only upon an increase in the Ceding Company’s maximum
retention limit.
 Only the portion ceded on an excess basis shall be eligible for recapture.

	  

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Schedule B 
 Limits 
  

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Schedule C 
 Definitions 
  

			
		
	 1.      Automatic
	    	Insurance which must be ceded by the Ceding Company in accordance with the terms of the Agreement and must be accepted by the Reinsurer.
	    
	    
		
	 2.      Excess
	    	The Reinsurer agrees to reimburse the Ceding Company for all losses or a large portion of the losses over the Ceding Company’s retention limit. The Reinsurer
becomes involved in a loss only after the loss has exceeded the Ceding Company’s retention limit.
	    
	    
	    
	    
		
	 3.      Facultative
	    	Insurance which the Ceding Company has the option to cede and the Reinsurer has the option to accept or decline individual risks.
	    
	    
		
	 4.      Initial Minimum Amount
	    	The smallest amount of reinsurance permitted after the inception of the reinsurance transaction.
		
	 5.      Life Premiums
	    	Yearly Renewable Term (YRT) - Under the YRT method, the Reinsured transfers to the Reinsurer the mortality risk on either a net amount at risk basis or on an approximation of
the net amount at risk basis.
	    	  
 Flat Extra - Flat extra ratings usually
apply to applicants in hazardous occupations or avocations or with certain physical impairments of a temporary nature.

	    	  
 Substandard Table Extra - Substandard table
extra ratings usually apply to physically impaired lives.

		
	 6.      Pool
	    	An organization of insurers or reinsurers through which particular types of risks are underwritten with premiums, losses and expenses shared in agreed
amounts.
	    
	    
		
	 7.      Quota Share
	    	A form of reinsurance indemnifying the Ceding Company against a fixed percentage of loss on each risk covered in the Agreement.
	    
	    
		
	 8.      Ceding Company
	    	A company which transfers all or part of the insurance it has written to another company.
	    
		
	 9.      Reinsurer
	    	A company which assumes all or part of the insurance written by another company.
	    

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

  

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

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

 

			
		
	 2. Life - Standard & Substandard Table Extra Premiums
	  	 The reinsurance premiums for the plans listed in Schedule A will be the appropriate rates in this Exhibit including the policy fees, less the allowances stated
in Exhibit II.

		
		  	 The substandard table extra premium shall be an additional 25% per table rating of the rates p set forth in this Exhibit, less the allowances stated in Exhibit
II.

		
	 3. Flat Extra Premiums
	  	 The flat extra premium shall be the annual flat extra premium which the Ceding Company charges its insured on that amount of the insurance reinsured less the
allowances stated in Exhibit II.

		
	 4. Waiver of Premium
	  	 The reinsurance premiums for waiver of premium shall be the premiums the Ceding Company charges its insured on that amount of insurance reinsured less the
allowances stated in Exhibit II.

		
	 5. Renewal, Conversion or Exchange of Insurance
	  	 The renewal, conversion or exchange of insurance shall be considered as a continuation of the original insurance. Future premiums shall be calculated on a
point-in-scale basis using the applicable rates in this Agreement.

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Rates for Initial Guaranteed Period 

RATES 

Level 10 
  

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

 ** ADD $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 10 Advantage 

 

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

 * Add $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 15 

 

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

 * Add $100 POLICY FEE

 Rates for Initial Guaranteed Period 
 RATES 
 Level 15 Advantage 

 

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

 * Add $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 20 

 

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

 ** ADD $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 20 Advantage 

 

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

 * Add $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 30 

 

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

 * Add $100 POLICY FEE 

 Rates for Initial Guaranteed Period 
 RATES 
 Level 30 Advantage 

 

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

 * Add $100 POLICY FEE 

 Exhibit I 
 Premium Rates 
 rates for policy years beyond initial guaranteed period:

 GUARANTEED ANNUAL YRT PREMIUMS 
 per $1000 
  

									
	 ATT
 AGE
	  	 MALE
 T
	  	 MALE
 NT
	  	 FEMALE
 T
	  	 FEMALE
 NT

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

 Exhibit I 
 Premium Rates 
  

									
	 ATT
 AGE
	  	 MALE
 T
	  	 MALE
 NT
	  	 FEMALE
 T
	  	 FEMALE
 NT

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

 * ADD $70.00 POLICY FEE 

 Exhibit I 
 Premium Rates 
 (6/03) 
 Waver of Premium 
 Annual Rider Rates per 1000 

 

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

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

+ Rates for Renewal Only 

 Exhibit II 
 Expense Allowances 
  

			
	 1. Life
	    	 First Year: 100%

		    	 Renewal Years: See table below.

  

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

 Policy fees are
reinsured with a 100% expense allowance. 
 2. Flat Extra Premiums 

 

							
	 	 	 Terms of the

Flat Extra Premium
	 	First
Year	 	Renewal
Years
	 	 	 
		 	 More than 5 years
	 	90%	 	10%
		 	 5 years or less
	 	10%	 	10%

 3. Waiver of
Premium 

											
	 	 	 	 	First
Year	 	 	Renewal
Years
	 
	 	 	 
		 		 	 	85	% 	 	 	15	% 

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

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

					
	 Product
	  	List Products	 
	 Preferred+ NT
	  	 	[****	] 
	 Preferred NT
	  	 
	[****
	] 

	 Standard NT
	  	 	[****	] 
	 Preferred TB
	  	 	[****	] 
	 Standard TB
	  	 	[****	] 

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit III 
 YRT Premium Rates 
 Allianz 

Male 75-80 ANB, S&U 
  

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

 Exhibit III 
 YRT Premium Rates 
 Allianz 

Female 75-86 ANB, S&U 
  

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

 Exhibit IV 
 Reports 

                     
                   .          
 (Reporting Period Ending Date) 
  

			
	 Treaty Date
	  	Termination Date
	 Treaty Number
	  	Reinstatement Date
	 Reinsurance Method
	  	
	 Client Policy Number
	  	Special Products (required if applicable)
	 Automatic/Facultative Indicator
	  	If Joint, Type (e.g., last survivor,
1st to die)
	 Joint Life Indicator
	  	Joint Insured Name
	 Name
	  	 Joint Last Name

	 Last Name
	  	 Joint First Name

	 First Name
	  	 Joint Middle Initial

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Policy Exhibit 

 

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Valuation Reserve for 

Self-Administered Business 
 As of MM/DD/YY 
  

																																																									
	 Treaty #
	 	Issue
Year	 	 	Reinsurance
Type	 	 	# of
Policies	 	 	Units
Reinsured	 	 	Annualized
Gross
Premiums	 	 	Net
Valuation
Premiums	 	 	Life
Reserves	 	 	Reserve
Method*	 	 	Supplementary Reserves	 
	 	 	 	 	 	 	 	Statutory	 	 	Tax	 	 	 	Substandard	 	 	WP	 	 	Al	 	 	Deficiency	 	 	Other	 
	 TA001
	 	 	1991	  	 	 	YRT /	  	 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1992	  	 	 	Co-Insurance/	  	 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1993	  	 	 	Modco	  	 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	:	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1998	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1999	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	Total	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
	 TA002
	 	 	1993	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1994	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1995	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	:	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1998	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1999	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	Total	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
	 TA003
	 	 	1997	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1998	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	1999	  	 				 				 				 				 				 				 				 				 				 				 				 				 			
		 	 	Total	  	 				 				 				 				 				 				 				 				 				 				 				 				 			

  

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

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

			
		
	 Company:
	 	  

		
	 Signature:
	 	  

		
	 Name:
	 	  

		
	 Title:
	 	  

		
	 Date:
	 	  

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit V 
 X-Factors 
  

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

  

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
  

			
	 A. Underwriting Manual
	  	 Swiss Re Underwriting Manual

		
	 B. Preferred Underwriting Guidelines
	  	 See attached.

		
	 C. Age and Amount Requirements
	  	 See attached.

		
	 D. Guidelines for Exceptions to Preferred Risk
	  	 See attached.

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
 B. Preferred Elite Underwriting Guidelines 

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

			
	Tobacco Use:	  	5 years nicotine-free
		
	Blood Pressure Control:	  	Ages 0 - 50 – 135/85
	  	Ages 51 - up – 145190
		
	Personal History:	  	 No personal history of cardiovascular disease, diabetes, cancer, alcohol and/or drug abuse.

	  
		
	Family History:	  	 No presence of cardiovascular disease, insulin dependent diabetes, or cancer before age 60 in parents or siblings, or presence of any other
hereditary disease

	  
	  
		
	Driving History:	  	 No more than two moving violations in the last three years or any DUI within the last five years

	  
		
	Total Cholesterol:	  	 No medication - 220 max

		
	Cholesterol/HDL Ratio:	  	 5.0

		
	Aviation:	  	 No private pilots unless aviation exclusion is used. Pilots with flat extra do not qualify. Commercial pilots are eligible.

	  
		
	Foreign Travel/Residence:	  	 Must be a permanent resident and no extensive foreign travel.

		
	Occupation:	  	 Not hazardous

		
	Avocation:	  	 Not rateable

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
 B. Preferred Elite Underwriting Guidelines (continued)

 Applicant cannot exceed the following build requirements: 

 

							
	 HEIGHT
	 	 PREFERRED
 ELITE

WEIGHT
	 	 HEIGHT
	 	 PREFERRED
 ELITE

WEIGHT

	 	 	 
	 	 	 
	4’8”	 	123	 	5’9”	 	186
	4’9”	 	127	 	5’10”	 	192
	4’10”	 	132	 	5’11”	 	197
	4’11”	 	136	 	6’0”	 	203
	5’0”	 	141	 	6’1”	 	208
	5’1”	 	146	 	6’2”	 	214
	5’2”	 	151	 	6’3”	 	220
	5’3”	 	155	 	6’4”	 	226
	5’4”	 	160	 	6’5”	 	232
	5’5”	 	165	 	6’6”	 	238
	5’6”	 	171	 	6’7”	 	244
	5’7”	 	176	 	6’8”	 	250
	5’8”	 	181	 	6’9”	 	257

 Preferred Underwriting Guidelines

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

			
	 Tobacco Use:
	  	 One year nicotine-free

		
	 Blood Pressure Control:
	  	 Ages 0-50 – 135/85

		  	 Ages 51-up – 140/90

		
	 Personal History:
	  	 No personal history of cardiovascular disease, diabetes, and/or cancer

		
	 Family History:
	  	 No deaths of parents or siblings of cardiovascular disease, diabetes, or cancer prior to age 60, or presence of any other hereditary
disease.

		
	 Driving History:
	  	 No more than two moving violations in the last three years.

		
	 Total Cholesterol:
	  	 250 max

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
 B. Preferred Underwriting Guidelines (continued)

  

			
	Cholesterol/HDL Ratio:	  	 6.5

		
	Aviation:	  	 No private pilots unless aviation exclusion is used. Pilots with flat
 extra do not qualify. Commercial pilots are eligible.

		
	Foreign Travel/Residence:	  	No formal policy
		
	Occupation:	  	Not hazardous
		
	Avocation:	  	Not rateable

 Applicant cannot exceed the following
build requirements: 
  

							
	 HEIGHT
	 	 PREFERRED

WEIGHT
	 	 HEIGHT
	 	 PREFERRED

WEIGHT

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
 C. Age & Amount Requirements 

 

											
	Amounts	  	0-14	  	15-39	  	40-49	  	50-65	 	66 & Over
	 $0 to 49,999
	  	Non-Med	  	Non-Med	  	Non-Med	  	Paramed
Non-med*	 	Paramed
Non-med*
						
	 $50,000 to 99,999
	  	Non-Med	  	Oral Fluids	  	Oral Fluids	  	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS
						
	 $100,000 to 300,000
	  	Non-Med	  	Amplified
Blood Profile
HOS	  	Amplified
Blood Profile
HOS	  	Paramed
Blood Profile
HOS	 	Paramed
Blood Profile
HOS, EKG
						
	 $300,001 to 1,000,000
	  	Consult Home
Office	  	Paramed
Blood Profile
HOS	  	Paramed
Blood Profile
HOS	  	Paramed
Blood Profile
HOS, EKG	 	Paramed
Blood Profile
HOS, EKG
						
	 $1,000,001 to 2,000,000
	  	Consult Home
Office	  	Paramed
Blood Profile
HOS	  	Paramed
Blood Profile
HOS, EKG	  	MD Exam
Blood Profile
HOS, EKG	 	MD Exam
Blood Profile
HOS, EKG
						
	 Over $2,000,000
	  	Consult Home
Office	  	Paramed
Blood Profile
HOS, EKG	  	MD Exam
Blood Profile
HOS, EKG	  	MD Exam
Blood Profile
HOS, EKG**	 	MD Exam
Blood Profile
HOS, EKG**

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

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

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

 Blood Profile and HOS are determined by coverage applied for plus coverage in force with Kansas City Life issued
within the last 2 years. 
 At its discretion New Business may order requirements other than those shown in this guide.

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Exhibit VI 
 Underwriting Requirements 
 D. Guidelines for Exceptions to Preferred Risk*

  

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

 

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

 

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

 

	4.	 Allow one family history of death between ages 55 – 60. 

 

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

  

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

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

  
  

					
	 Treaty 3685-19
 Effective 01/19/2005
	 		 	

 Amendment 
 No. 1 
 This Amendment, Effective June 1, 2008, made by and
between Kansas City Life Insurance Company (“Ceding Company”) and Transamerica Occidental Life Insurance Company (“Reinsurer”), hereby amends and becomes a part of the Coinsurance Agreement No. 3685-19, effective
January 19, 2005 as follows: 
 Schedule A, Specifications, shall be deleted in its entirety and replaced with the
attached Schedule A. 
 This Amendment does not alter, amend or modify the Coinsurance Agreement other that as set forth in this
Amendment, and it is subject otherwise to all terms and conditions of the Coinsurance Agreement together with all amendments and supplements thereto. 
  

			
	 Executed in duplicate by
	  	 Executed in duplicate by

	 Kansas City Life
	  	 Transamerica Occidental

	 Insurance Company
	  	 Life Insurance Company

	 at Kansas City, Missouri,
	  	 at Charlotte, North Carolina,

 

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

  
  

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

 Schedule A 
 Specifications 
  

			
	 1. Type of Business
	  	Individual life insurance and waiver of premium issued directly by Ceding Company
		
	 2. Plans of Insurance
	  	 Pool l – Level Term 10 & 20
 Pool 2 – Level Term 15 & 30; Level Term Advantage 10, 15, 20, & 30

		
	 3. Basis of Reinsurance

Ceding Company’s Share

Reinsurer’s Pool Share
	  	 Quota Share and Excess
 10%
Quota Share
 72% Quota Share and 80% Excess Share (Pool 1 Products)
 81% Quota Share and 90% Excess Share (Pool 2 Products)

		
	 4. Maximum Issue Age
	  	 10 Year Term: 18 – 75
 15
Year Term: 18 – 70
 20 Year Term: 18 – 65
 30 Year Term: 18 – 50

		
	 5. Maximum Mortality
	  	Each individual risk must not exceed Table 16, Table P, 500% or its equivalent on a flat extra premium basis
		
	 6. Minimum Amounts
	  	
	 Initial - Facultative
	  	$100,000
		
	 7. Years to Recapture
	  	5 years after the end of the level period, and only upon an increase in the Ceding Company’s maximum retention limit. Only the portion ceded on an excess basis shall be
eligible for recapture.

  
  

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

 

 

  

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

 Kansas City Life Insurance Company

 William Schalekamp 
 General Counsel

 3520 Broadway St 
 Kansas City, MO
64111-2502 
  

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

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

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

This change will have minimal impact on our reinsurance relationship with your company. Because the transfer of treaty rights and
obligations occurs by operation of law, it is not necessary to amend reinsurance agreements or execute any ancillary documents to effect these changes. Out intent is to limit the impact as much as possible so that the merger does not create extra
work for your staff. 
 We are including a schedule of reinsurance agreements between TOLIC and Kansas City Life Insurance
Company, which will be affected by the merger. Please let us know if your records differ from this enclosed list of treaties. 

Please place a copy of this letter in your treaty files and change your records and systems for these treaties to show the name of
Transamerica Life Insurance Company (NAIC Company Code 86231 and Federal ID # 39-0989781). 
 We place great value on our
reinsurance relationship with your company. If you have any questions about the merger, please contact your Transamerica Reinsurance account executive. 
 Sincerely, 
  

	
	 /s/ Glenn Cunningham

	Glenn Cunningham
	Executive Vice President

 Encl.: Schedule of Affected
Reinsurance Treaties 

  

			
	Kansas City Life Insurance Company
	 Agreement Number
	 	 Effective Date

	 3685-02
	 	10/1/1969
	 3685-03
	 	8/1/1970
	 3685-04
	 	1/1/1973
	 3685-05
	 	11/1/1987
	 3685-06
	 	1/1/1988*
	 3685-07
	 	1/1/1987
	 3685-09
	 	1/1/1991
	 3685-10
	 	1/1/1994
	 3685-11
	 	9/1/1993
	 3685-12
	 	8/1/1997
	 3685-13
	 	11/1/1971
	 3685-14
	 	8/1/1982*
	 3685-15
	 	7/1/1987*
	 3685-16
	 	1/1/2000
	 3685-17
	 	2/1/2001
	 3685-19
	 	1/19/2005

  

	*	 Terminated or Terminated for New BusinessAutomatic YRT Reinsurance Agreement

 Certain portions of this Exhibit have been omitted pursuant to a request for confidential
treatment. The non-public information has been filed separately with the Securities and Exchange Commission pursuant to Rule 24b-2 under the Securities Exchange Act of 1934, as amended. The omitted portions of this Exhibit are indicated by the
following [*****]. 
 Exhibit 10(F) 
 8243-00-00 
 AUTOMATIC YRT REINSURANCE AGREEMENT 

BETWEEN 

SUNSET LIFE INSURANCE COMPANY OF AMERICA 
 (HEREINAFTER CALLED THE “CEDING COMPANY”) 
 KANSAS CITY, MISSOURI USA 
 and

 RGA REINSURANCE COMPANY 
 (HEREINAFTER CALLED THE “REINSURER”) 
 ST. LOUIS, MISSOURI, USA 

THIS AGREEMENT IS EFFECTIVE JANUARY 1, 2002 

  

					
	 (052)8243-00-00
	  		  	07/30/03

 TABLE OF CONTENTS

  

					
	ARTICLE	  	 TITLE
	  	PAGE
			
	I	  	PARTIES TO THE AGREEMENT	  	3
			
	III	  	COMMENCEMENT, TERMINATION AND CONTINUANCE OF REINSURANCE	  	3
			
	III	  	SCOPE	  	3
			
	IV	  	COVERAGE	  	4
			
	V	  	LIABILITY	  	5
			
	VI	  	RETENTION AND RECAPTURE	  	5
			
	VII	  	REINSURANCE PREMIUMS AND ALLOWANCES	  	5
			
	VIII	  	RESERVES	  	5
			
	IX	  	TERMINATIONS AND REDUCTIONS	  	6
			
	X	  	POLICY ALTERATIONS	  	6
			
	XI	  	POLICY ADMINISTRATION AND PREMIUM ACCOUNTING	  	7
			
	XII	  	CLAIMS	  	7
			
	XIII	  	ARBITRATION	  	9
			
	XIV	  	INSOLVENCY	  	10
			
	XV	  	OFFSET	  	10
			
	XVI	  	RIGHT TO INSPECT	  	10
			
	XVII	  	UNINTENTIONAL ERRORS, MISUNDERSTANDINGS OR OMISSIONS	  	10
			
	XVIII	  	CHOICE OF LAW, FORUM AND LANGUAGE	  	11
			
	XIX	  	ALTERATIONS TO THE AGREEMENT	  	11
			
	XX	  	EXECUTION OF THE AGREEMENT	  	12
			
	SCHEDULES	  		  	
			
	I	  	REINSURANCE SPECIFICATIONS	  	13
			
	II	  	RETENTION	  	17
			
	III	  	BUSINESS COVERED	  	18
			
	IV	  	REINSURANCE PREMIUMS	  	19
			
	V	  	LIMITS	  	22
			
	VI	  	SAMPLE STATEMENT SPECIFICATIONS	  	23
			
	VII	  	SAMPLE POLICY EXHBIT	  	24
			
	VIII	  	DEFINITIONS	  	25

  

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

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

	1.	 AGREEMENT COMMENCEMENT 

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

	2.	 POLICY TERMINATION 

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

	1.	 RETENTION OF THE CEDING
COMPANY 

 The type and amount of the
Ceding Company’s retention on any one life is as shown in Schedule I. In determining the amounts at risk in each case, any additional death benefits on the same life (e.g. additional term insurance or family income benefits) will be taken into
account, as will the amounts at risk under any other existing policies, at the time of commencement, of the policy ceded under this Agreement. 
  

	2.	 CURRENCY 

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

	3.	 THE REINSURER’S
SHARE 

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

  

					
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 ARTICLE III - SCOPE (CONTINUED)

  

	4.	 BASIS OF REINSURANCE 

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

	5.	 REINSURANCE ALLOWANCES 

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

 

	6.	 PREMIUM RATE GUARANTEE 

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

 

	7.	 POLICY FEES 

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

 

	8.	 TAXES 

Taxes, if any, are shown in Schedule I. 
  

	9.	 EXPERIENCE REFUND OR PROFIT
COMMISSION 

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

	10.	 EXPENSE OF THE ORIGINAL
POLICY 

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

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

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

	 	1.	 RETENTION 

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

 

	 	2.	 PLANS AND RIDERS 

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

  

					
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 ARTICLE IV - COVERAGE (CONTINUED)

  

	 	3.	 UNDERWRITING 

The risk is underwritten according to the Ceding Company’s Standard Guidelines; and 

 

	 	4.	 RESIDENCE 

At the time of application the risk is a resident of the Countries, as shown in Schedule I. 

 

	 	5.	 INFORCE 

The risk is inforce as of the Effective Date of this Agreement. 

ARTICLE V - LIABILITY 
 The liability of the Reinsurer for all claims within automatic cover as described in Article IV, will commence simultaneously with that of the Ceding Company and will cease at the same time as the
liability of the Ceding Company ceases. 
 ARTICLE VI - RECAPTURE 

The business ceded under this Agreement is not eligible for recapture. 
 ARTICLE VII - REINSURANCE PREMIUMS AND ALLOWANCES 

 

	1.	 LIFE REINSURANCE 

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

 

	2.	 SUBSTANDARD PREMIUMS 

Premiums will be increased by any (flat) extra premium as shown in Schedule I, charged the insured on the face amount
initially reinsured. Premiums will be increased by any substandard premium as shown in Schedule I, charged the insured on the net amount at risk reinsured. 
  

	3.	 JOINT POLICY PREMIUMS 

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

  

	4.	 SUPPLEMENTAL BENEFITS 

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

 Reserve requirements of the Ceding Company, if any, are as shown in Schedule I. 

  

					
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 ARTICLE IX - TERMINATIONS AND
REDUCTIONS 
 In all cases the Reinsurer will share in any termination or reduction in
coverage in proportion to the Reinsurer’s share as stated in Schedule I. 
 ARTICLE X -
POLICY ALTERATIONS 
  

	1.	 REINSTATEMENT 

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

	2.	 EXTENDED TERM AND REDUCED PAID-UP
INSURANCE 

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

	3.	 EXCHANGES OR CONVERSIONS 

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

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

  

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

 

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

  

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

 Exchanges or Conversions will be reinsured under this Agreement only if the original policy
was reinsured with the Reinsurer; the amount of reinsurance under this Agreement will not exceed the amount of the reinsurance on the original policy with the Reinsurer immediately prior to the exchange or conversion. Premiums will be as shown in
Schedule I. 
  

			
	 Note:
	 	 An original date policy Reissue will not be treated as a continuation of the original policy. It will be treated as a new policy and the original policy will
be treated as Not Taken. All premiums previously paid to the Reinsurer for the original policy will be refunded to the Ceding Company. All premiums will be due on the new policy from the original issue date of the old policy.

		
	 Note:
	 	 Re-Entry, e .g. wholesale replacement and similar programs are not covered under this Article. If Re-Entry is applicable to this treaty, then it will be
covered in Schedule I.

  

	4.	 POLICY CHANGES 

Underwritten increases in coverage after the effective date of the treaty will not be covered by this agreement. Decreases
in coverage will be administered by first decreasing the existing reinsurance to maintain the original retention of the policy. The reinsurance under this agreement will only decrease if the original retention decreases. 

  

					
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 ARTICLE XI - POLICY ADMINISTRATION
AND PREMIUM ACCOUNTING 
  

	1.	 ACCOUNTING PERIOD AND PREMIUM
DUE 

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

	2.	 ACCOUNTING ITEMS 

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

	3.	 REINSURANCE ADMINISTRATION REQUIREMENTS

 Reinsurance Administration Requirements are as shown in Schedule I. 

 

	4.	 PAYMENT OF BALANCES 

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

	5.	 BALANCES IN DEFAULT 

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

 

	6.	 FLUCTUATIONS IN EXCHANGE RATES

 If the premium due periods allowed for the payment of balances are exceeded by either party,
the debtor will bear the currency risk, in the event of any subsequent alteration in the exchange rate, by more than five percent unless the debtor is not responsible for the delay in payment. 

ARTICLE XII - CLAIMS 
 Claims covered under this Agreement include only death claims, which are those due to the death of the insured on a policy reinsured and any additional benefits which are defined in accordance with the
underlying policy and are reinsured under this Agreement. 
  

	1.	 NOTICE 

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

  

					
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 ARTICLE XII - CLAIMS (CONTINUED)

  

	2.	 PROOFS 

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

	3.	 PAYMENT OF BENEFITS 

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

	4.	 CONTESTED CLAIMS 

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

	5.	 CLAIMS EXPENSES 

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

 

	6.	 EXTRA CONTRACTUAL OBLIGATIONS 

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

 

	 	a.	 Routine investigative or administrative expenses; 

  

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

 

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

 

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

  

					
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 ARTICLE XIII - ARBITRATION 

 

	1.	 GENERAL 

The parties agree to act in all things with the highest good faith. However, if the parties cannot mutually resolve a
dispute or claim, which arises out of, or in connection with this Agreement, including formation and validity, and whether arising during, or after the period of this Agreement, the dispute or claim will be referred to an arbitration tribunal (a
group of three arbitrators), and settled through arbitration. 
 The arbitrators will be individuals, other than
from the contracting companies, including those who have retired, with more than ten (10) years insurance or reinsurance experience within the industry. 
 The arbitrators will base their decision on the terms and conditions of this Agreement plus, as necessary, on the customs and practices of the insurance and reinsurance industry rather than solely on a
strict interpretation of the applicable law; there will be no appeal from their decision, and any court having jurisdiction of the subject matter, and the parties, may reduce that decision to judgment. 

 

	2.	 NOTICE 

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

 

	3.	 PROCEDURE 

Each of the two parties will appoint one arbitrator, and these two arbitrators will select the third arbitrator. Upon the
selection of the third arbitrator, the arbitration tribunal will be constituted, and the third arbitrator will act as Chairman of the tribunal. 
 If either party fails to appoint an arbitrator within sixty (60) days after the other party has given notice of appointing an arbitrator, then the Arbitration Association, as shown in Schedule I,
will appoint an arbitrator for the party that has failed to do so. 
 The party that has failed to appoint an
arbitrator will be responsible for all expenses levied by the Arbitration Association, for such appointment. Should the two arbitrators be unable to agree on the choice of the third arbitrator, then the appointment of this arbitrator is left to the
Arbitration Association. Such expense shall be borne equal by each party to this Agreement. 
 The tribunal, may
in its sole discretion make orders and directions as it considers to be necessary for the final determination of the matters in dispute. Such orders and directions may be necessary with regard to pleadings, discovery, inspection of documents,
examination of witnesses and any other matters relating to the conduct of the arbitration. The tribunal, will have the widest discretion permissible under the law, and practice of the place of arbitration, when making such orders or directions.

  

	4.	 ARBITRATION COSTS 

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

	5.	 PLACE OF ARBITRATION 

The place of arbitration is as shown in Schedule I. 

 

	6.	 ARBITRATION SETTLEMENT 

The award of the tribunal, will be in writing, and binding upon the consenting parties. 

  

					
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 ARTICLE XIV - INSOLVENCY 

In the event of the insolvency of the Ceding Company, all reinsurance will be payable directly to the liquidator, receiver, or statutory
successor of the Ceding Company without diminution because of the insolvency and in accordance with the terms of this Agreement. 
 In the event of insolvency of the Ceding Company, the liquidator, receiver, or statutory successor will immediately give written notice to the Reinsurer of all pending claims against the Ceding Company on
any policies reinsured. While a claim is pending, the Reinsurer may investigate and interpose, at its own expense, in the proceedings where the claim is adjudicated, any defense or defenses which it may deem available to the Ceding Company or its
liquidator, receiver, or statutory successor. The expense incurred by the Reinsurer will be chargeable, subject to court approval against the Ceding Company as part of the expense of liquidation to the extent of a proportionate share of the benefit
which may accrue to the Ceding Company solely as a result of the defense undertaken by the Reinsurer. Where two or more Reinsurers are participating in the same claim and a majority in interest elect to interpose a defense or defenses to any such
claim, the expense will be apportioned in accordance with the terms of the reinsurance agreement as though such expense had been incurred by the Ceding Company. 
 ARTICLE XV - OFFSET 
 Any debts or credits,
matured or unmatured, liquidated or unliquidated, in favor of or against, either the Reinsurer or the Ceding Company, with respect to this Agreement or with respect to any other claim of one party against the other, are deemed mutual debts or
credits, as the case may be, and will be offset, and only the balance will be allowed or paid. 
 ARTICLE XVI -
RIGHT TO INSPECT 
 Upon request the Ceding Company will furnish the Reinsurer
with detailed information concerning the risks reinsured under this Agreement. In particular the Reinsurer will be entitled to request that: 
  

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

  

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

 

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

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

  

					
	 (052)8243-00-00
	  	10	  	7/17/02

 ARTICLE XVIII - CHOICE OF LAW,
FORUM, AND LANGUAGE 
  

	1.	 CHOICE OF LAW AND FORUM

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

	2.	 LANGUAGE 

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

ARTICLE XIX - ALTERATIONS TO THE AGREEMENT

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

  

					
	 (052)8243-00-00
	  	11	  	7/17/02

 ARTICLE XX - EXECUTION OF THE
AGREEMENT 
 IN WITNESS OF THE
ABOVE, 
 SUNSET LIFE INSURANCE COMPANY OF AMERICA 

OF 
 Kansas City,
Mo 
 AND 
 RGA REINSURANCE COMPANY 
 OF 

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

 

									
	SUNSET LIFE INSURANCE COMPANY OF AMERICA	 		 	
					
	 BY:
	 	 /s/ Mark A. Milton
	 		 	 BY:
	 	 /s/ William W. Sears

					
	 TITLE:
	 	 VP & Actuary
	 		 	 TITLE:
	 	 V.P.

					
	 DATE:
	 	 July 25, 2002
	 		 	 DATE:
	 	 7/26/02

				
	RGA REINSURANCE COMPANY	 		 		 	
					
	 BY:
	 	 /s/ Larry J. Shorey
	 		 		 	
					
	 TITLE:
	 	 VICE PRESIDENT
	 		 		 	
					
	 DATE:
	 	 7/17/02
	 		 		 	

  

					
	 (052)8243-00-00
	  	12	  	7/17/02

 SCHEDULE I - REINSURANCE SPECIFICATIONS

 COMMENCEMENT, TERMINATION AND CONTINUANCE OF
REINSURANCE, ARTICLE II: 
  

			
	 1.      EFFECTIVE DATE:
	  	 This Agreement applies to policies in force on and after January 1, 2002.

		
	 2.      POLICY TERMINATION:
REFUNDS:
	  	 The Reinsurer will refund any unearned reinsurance premiums. However, policy fees, if any, will be deemed earned for a policy year if the policy is reinsured
during any portion of that policy year.

 SCOPE, ARTICLE III: 

 

			
	 1.      RETENTION OF THE
CEDING COMPANY:
	  	 See Schedule II, Retention

		
	 2.      CURRENCY:
	  	 United States Dollars (“US$”)

		
	 3.      THE REINSURER’S
SHARE:
	  	 First Dollar Quota Share 30%

		
	 4.      BASIS OF
REINSURANCE:
	  	 YRT

		
	 5.      REINSURANCE
ALLOWANCE:
	  	 See Schedule IV, Reinsurance Premiums

		
	 6.      PREMIUM RATE
GUARANTEE:
	  	 See Schedule IV, Reinsurance Premiums

		
	 7.      POLICY FEES:
	  	 See Schedule IV, Reinsurance Premiums

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

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

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

  

					
	 (052)8243-00-00
	  	13	  	7/17/02

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED) 
  

 SCOPE, ARTICLE III (CONTINUED): 

 

			
	 8.      TAXES
(CONTINUED):
	  	

  

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

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

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

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

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

		
	 PREMIUM TAX:
	  	 Premium Tax will not be reimbursed.

		
	 9.       EXPERIENCE REFUND OR
PROFIT COMMISSION:
	  	 See Schedule IV, Reinsurance Premiums

 COVERAGE, ARTICLE IV: 
  

			
	 1.      RETENTION:
	  	 See Schedule II, Retention

		
	 2.      PLAN(S) AND
RIDER(S):
	  	 See Schedule III, Business Covered

		
	 3.      AUTOMATIC ACCEPTANCE
LIMITS:
	  	 See Schedule V, Limits

		
	 4.      UNDERWRITING
CLASS:
	  	 See Schedule IV, Reinsurance Premiums

  

					
	 (052)8243-00-00
	  	14	  	7/17/02

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED) 
  

 COVERAGE, ARTICLE IV (CONTINUED): 

 
  

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

 RETENTION AND RECAPTURE, ARTICLE VI: 
  

			
	     MINIMUM RECAPTURE PERIOD:
	  	 The business ceded under this Agreement is not eligible for recapture.

 REINSURANCE PREMIUMS AND ALLOWANCES, ARTICLE VII: 

 

			
	 1.      LIFE
REINSURANCE:
	  	 See Schedule IV, Reinsurance Premiums

		
	 2.      SUBSTANDARD
PREMIUMS:
	  	 See Schedule IV, Reinsurance Premiums

		
	 3.      JOINT POLICY
PREMIUMS:
	  	 See Schedule IV, Reinsurance Premiums

		
	 4.      SUPPLEMENTARY
BENEFITS:
	  	 See Schedule IV, Reinsurance Premiums

 RESERVES, ARTICLE VIII: 
 The
Ceding Company agrees to post on its books any deficiency reserves on the coverage reinsured under this Agreement. 
 POLICY
ALTERATIONS, ARTICLE X: 
  

			
	 1.      EXCHANGES OR
CONVERSIONS:
	  	 See Schedule IV, Reinsurance Premiums

		
	
2.      RE-ENTRY’S:
	  	 See Schedule IV, Reinsurance Premiums

 POLICY ADMINISTRATION AND PREMIUM ACCOUNTING ARTICLE XI: 

 

			
	 1.      ACCOUNTING
PERIOD:
	  	 Monthly

		
	     PREMIUM DUE:
	  	 Annually in Advance on the policy anniversary

		
	 2.      ACCOUNTING
ITEMS:
	  	See Schedule VI, Sample Statement Specifications and Schedule VII, Sample, Policy Exhibit
		
	 3.      REINSURANCE
ADMINISTRATION:
	  	 Self Administration (Client Administers)

  

					
	 (052)8243-00-00
	  	15	  	7/17/02

 SCHEDULE I - REINSURANCE SPECIFICATIONS
(CONTINUED) 
  

 POLICY ADMINISTRATION AND PREMIUM
ACCOUNTING, ARTICLE XI (CONTINUED): 
  

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

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

 ARBITRATION, ARTICLE XIII: 

 

			
	 1.      ARBITRATION
ASSOCIATION:
	  	 American Arbitration Association

		
	 2.      PLACE OF
ARBITRATION:
	  	 St. Louis, Missouri, USA

CHOICE OF LAW, FORUM AND LANGUAGE, ARTICLE
XVIII: 
  

			
		
	 1.      CHOICE OF LAW
AND FORUM:
	  	 Missouri, USA

		
	 2.      LANGUAGE:
	  	 English

  

					
	 (052)8243-00-00
	  	16	  	7/17/02

 SCHEDULE II - RETENTION 

The Ceding Company will retain 20% of the previously retained portion of each risk. 

  

					
	 (052)8243-00-00
	  	17	  	7/17/02

 SCHEDULE III - BUSINESS COVERED

 EFFECTIVE JANUARY 1, 2002 
 PLAN(S) 
 Closed Inforce Block of Business:

 Universal Life 
 Quota Share Term 
 Premium Paying Term 

Whole Life 

Paid Up Policies 

RIDER(S) 
 Universal Life Level Term Riders 
 Universal Life Spouse Riders

 Cost of Living Riders 
 Level or Decreasing Term Riders on Traditional Plans 
 Business Excluded

 Business excluded includes family term riders and children’s term riders. Also excluded are any riders that prepay a
death 
 benefit such as terminal illness, long-term care or living benefit riders. 

  

					
	 (052)8243-00-00
	  	18	  	7/17/02

 SCHEDULE IV - REINSURANCE PREMIUMS

 LIFE: 
 Business Covered, as shown in Schedule III will be reinsured on the yearly renewable term basis with the Reinsurer participating only in mortality risks (not cash values, loans, dividends or other
features specific to permanent policies). The mortality risk shall be the net amount at risk on that portion of the policy which is reinsured with the Reinsurer. 

The Life Reinsurance premium rates contained in this Agreement are guaranteed for one year, and the Reinsurer anticipates
continuing to accept premiums on the basis of these rates indefinitely. If the Reinsurer deems it necessary to increase rates, such increased rates cannot be higher than the valuation net premiums for annually renewable term insurance calculated
using the minimum statutory mortality rates and maximum statutory interest rate for each year 
 of issue.

 Reinsurance premiums will be determined according to the amount reinsured with the Reinsurer per insured life
as follows. The life reinsurance premium will be calculated in the case of life risks, by multiplying the appropriate life premium rate, point in scale, from the attached Rate Table labeled below, for the age of the insured, at the beginning of the
policy year, by the amount at risk reinsured for that policy year, multiplied by the applicable pay percentage as shown below. The same procedure will apply for single premium policies and for paid up policies. 

 

							
	 PLANS
	  	RATE
TABLE	  	 UNDERWRITING

CLASS
	  	YEAR 1+
	All Single Life	  	S-1	  	Male Non-Tobacco	  	[****]
		  	S-1	  	Female Non-Tobacco	  	[****]
		  	S-1	  	Male Tobacco	  	[****]
		  	S-1	  	Female Tobacco	  	[****]
		  	S-1	  	Male Aggregate	  	[****]
		  	S-1	  	Female Aggregate	  	[****]
	All Joint Life	  	S-1	  	Nonsmoker	  	[****]
		  	S-1	  	Smoker	  	[****]
		  	S-1	  	Smoker/Nonsmoker	  	[****]
		  		  	Aggregate	  	

 Note: Rates for level premium term plans will double after the level premium
period. 
 All Policy Fees will be retained by the Ceding Company. 

Pro rata premiums will be due from inception to the first anniversary following the effective date of this Agreement.

 SUBSTANDARD PREMIUMS: 

SUBSTANDARD TABLE EXTRA

 Premiums will be increased by any substandard premium charged the insured on the net amount at risk reinsured.
For substandard table ratings, premiums will be increased by the following percent per table: 
 25% 

  

					
	 (052)8243-00-00
	  	19	  	7/17/02

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
  

 SUBSTANDARD PREMIUMS (CONTINUED): 

 
 FLAT
EXTRA PREMIUMS 
 The premium will be
increased by any flat extra premium charged the insured on the face amount initially reinsured, 
 less total
allowances as shown below: 
  

					
	 First Year Permanent 
	  	 First Year Temporary
	 	 
	 Payable 6 Years or More:
	  	Payable 1- 5 Years:	 	 Renewal:

			
	 100%
	  	20%	 	20%

 SUPPLEMENTAL
BENEFITS: 
 RIDER(S) 

Increases in coverage due to cost of living riders will be covered in the same proportion as the base coverage.

 Premiums for the Universal Life Level Term Riders Level or Decreasing Term Riders on Traditional Plans and
Universal Life Spouse Riders are the same as the base treaty. 
 RE-ENTRY’S:

 Re-Entry’s are not covered under this Agreement. 

CONVERSIONS OR EXCHANGES: 

Any policies reinsured under this agreement that converts to another plan of insurance will continue to be reinsured under
this agreement based on the issue date of the original policy. 
 EXPERIENCE REFUND OR
PROFIT COMMISSION: 
 Experience Refund or Profit Commissions are not covered
under this Agreement. 
 AMOUNTS AT RISK: 

Amounts at risk will be level on all term policies and will decrease proportionally with the increase in cash values on
all Universal Life and Whole Life type products. 

  

					
	 (052)8243-00-00
	  	20	  	7/17/02

 SCHEDULE IV - REINSURANCE PREMIUMS
(CONTINUED) 
  

 RATE SCHEDULE S-1 

  

					
	 (052)8243-00-00
	  	21	  	7/17/02

 75-80 BASIC MORTALITY TABLES 

Male Aggregate/Age Last Birthday 
 Policy Year 
  

																																																																					
	 AGE
	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10	 	 	11	 	 	12	 	 	13	 	 	14	 	 	15	 	 	Attained Age	 
	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	  	 	 	15	  
	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	  	 	 	16	  
	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	  	 	 	17	  
	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	  	 	 	18	  
	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	  	 	 	19	  
	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	  	 	 	20	  
	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	  	 	 	21	  
	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	  	 	 	22	  
	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	  	 	 	23	  
	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	  	 	 	24	  
	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	  	 	 	25	  
	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	  	 	 	26	  
	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	  	 	 	27	  
	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	  	 	 	28	  
	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	  	 	 	29	  
	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	  	 	 	30	  
	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	  	 	 	31	  
	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	  	 	 	32	  
	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	  	 	 	33	  
	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	  	 	 	34	  
	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	  	 	 	35	  
	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	  	 	 	36	  
	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	  	 	 	37	  
	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	  	 	 	38	  
	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	  	 	 	39	  
	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	  	 	 	40	  
	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	  	 	 	41	  
	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	  	 	 	42	  
	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	  	 	 	43	  
	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	  	 	 	44	  
	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	  	 	 	45	  
	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	  	 	 	46	  
	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	  	 	 	47	  
	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	  	 	 	48	  
	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	  	 	 	49	  
	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	  	 	 	50	  
	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	  	 	 	51	  
	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	  	 	 	52	  
	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	  	 	 	53	  
	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	  	 	 	54	  
	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	  	 	 	55	  
	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	  	 	 	56	  
	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	  	 	 	57	  
	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	  	 	 	58	  
	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	  	 	 	59	  
	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	  	 	 	60	  
	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	  	 	 	61	  
	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	  	 	 	62	  
	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	  	 	 	63	  
	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	  	 	 	64	  
	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	  	 	 	65	  
	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	  	 	 	66	  
	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	  	 	 	67	  
	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	  	 	 	68	  
	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	  	 	 	69	  
	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	  	 	 	70	  

  

					
	 RS#004998
	  	Rate Table S-1	  	 Doc # 8243-00-00

 75-80 BASIC MORTALITY TABLES 

Male Aggregate/Age Last Birthday 
 Policy Year 
  

																																																																					
	 AGE
	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10	 	 	11	 	 	12	 	 	13	 	 	14	 	 	15	 	 	Attained Age	 
	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	  	 	 	71	  
	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	  	 	 	72	  
	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	  	 	 	73	  
	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	  	 	 	74	  
	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	  	 	 	75	  
	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	  	 	 	76	  
	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	  	 	 	77	  
	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	  	 	 	78	  
	64	 	 	4.59	  	 	 	6.88	  	 	 	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	  	 	 	79	  
	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	  	 	 	80	  
	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	  	 	 	81	  
	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	  	 	 	82	  
	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	  	 	 	83	  
	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	  	 	 	84	  
	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	  	 	 	85	  
	71	 	 	9.12	  	 	 	13.81	  	 	 	18.86	  	 	 	24.51	  	 	 	29.69	  	 	 	32.89	  	 	 	37.81	  	 	 	42.36	  	 	 	47.03	  	 	 	51.44	  	 	 	57.13	  	 	 	63.57	  	 	 	72.85	  	 	 	85.53	  	 	 	94.04	  	 	 	137.84	  	 	 	86	  
	72	 	 	9.98	  	 	 	15.12	  	 	 	20.66	  	 	 	26.87	  	 	 	32.56	  	 	 	36.08	  	 	 	41.46	  	 	 	46.40	  	 	 	51.45	  	 	 	56.14	  	 	 	62.20	  	 	 	69.16	  	 	 	79.31	  	 	 	93.11	  	 	 	102.33	  	 	 	149.84	  	 	 	87	  
	73	 	 	10.93	  	 	 	16.56	  	 	 	22.65	  	 	 	29.47	  	 	 	35.72	  	 	 	39.57	  	 	 	45.41	  	 	 	50.75	  	 	 	56.14	  	 	 	61.11	  	 	 	67.66	  	 	 	75.29	  	 	 	86.35	  	 	 	101.32	  	 	 	111.23	  	 	 	162.59	  	 	 	88	  
	74	 	 	11.97	  	 	 	18.15	  	 	 	24.84	  	 	 	32.33	  	 	 	39.17	  	 	 	43.34	  	 	 	49.67	  	 	 	55.39	  	 	 	61.12	  	 	 	66.49	  	 	 	73.67	  	 	 	81.97	  	 	 	93.95	  	 	 	110.14	  	 	 	120.70	  	 	 	175.87	  	 	 	89	  
	75	 	 	13.12	  	 	 	19.91	  	 	 	27.25	  	 	 	35.45	  	 	 	42.90	  	 	 	47.41	  	 	 	54.20	  	 	 	60.30	  	 	 	66.49	  	 	 	72.39	  	 	 	80.20	  	 	 	89.19	  	 	 	102.13	  	 	 	119.51	  	 	 	130.56	  	 	 	189.57	  	 	 	90	  
	76	 	 	14.39	  	 	 	21.84	  	 	 	29.88	  	 	 	38.83	  	 	 	46.93	  	 	 	51.74	  	 	 	59.01	  	 	 	65.60	  	 	 	72.39	  	 	 	78.81	  	 	 	87.27	  	 	 	96.95	  	 	 	110.82	  	 	 	129.27	  	 	 	140.73	  	 	 	203.69	  	 	 	91	  
	77	 	 	15.79	  	 	 	23.95	  	 	 	32.73	  	 	 	42.47	  	 	 	51.21	  	 	 	56.32	  	 	 	64.20	  	 	 	71.42	  	 	 	78.81	  	 	 	85.75	  	 	 	94.86	  	 	 	105.20	  	 	 	119.87	  	 	 	139.34	  	 	 	151.21	  	 	 	218.23	  	 	 	92	  
	78	 	 	17.31	  	 	 	26.23	  	 	 	35.80	  	 	 	46.35	  	 	 	55.75	  	 	 	61.28	  	 	 	69.89	  	 	 	77.75	  	 	 	85.76	  	 	 	93.21	  	 	 	102.93	  	 	 	113.80	  	 	 	129.21	  	 	 	149.72	  	 	 	162.00	  	 	 	233.19	  	 	 	93	  
	79	 	 	18.96	  	 	 	28.69	  	 	 	39.07	  	 	 	50.46	  	 	 	60.65	  	 	 	66.71	  	 	 	76.09	  	 	 	84.60	  	 	 	93.22	  	 	 	101.15	  	 	 	111.34	  	 	 	122.66	  	 	 	138.83	  	 	 	160.41	  	 	 	173.11	  	 	 	248.57	  	 	 	94	  
	80	 	 	20.74	  	 	 	31.31	  	 	 	42.53	  	 	 	54.90	  	 	 	66.03	  	 	 	72.63	  	 	 	82.80	  	 	 	91.97	  	 	 	101.15	  	 	 	109.41	  	 	 	120.01	  	 	 	131.80	  	 	 	148.75	  	 	 	171.40	  	 	 	184.53	  	 	 	264.37	  	 	 	95	  
	81	 	 	22.64	  	 	 	34.09	  	 	 	46.27	  	 	 	59.77	  	 	 	71.89	  	 	 	79.03	  	 	 	90.00	  	 	 	99.79	  	 	 	109.42	  	 	 	117.93	  	 	 	128.95	  	 	 	141.21	  	 	 	158.94	  	 	 	182.71	  	 	 	196.26	  	 	 	280.59	  	 	 	96	  
	82	 	 	24.64	  	 	 	37.09	  	 	 	50.37	  	 	 	65.07	  	 	 	78.22	  	 	 	85.91	  	 	 	97.66	  	 	 	107.94	  	 	 	117.94	  	 	 	126.71	  	 	 	138.16	  	 	 	150.89	  	 	 	169.42	  	 	 	194.32	  	 	 	208.30	  	 	 	297.23	  	 	 	97	  
	83	 	 	26.81	  	 	 	40.38	  	 	 	54.84	  	 	 	70.80	  	 	 	85.03	  	 	 	93.22	  	 	 	105.64	  	 	 	116.35	  	 	 	126.72	  	 	 	135.76	  	 	 	147.63	  	 	 	160.84	  	 	 	180.19	  	 	 	206.24	  	 	 	220.65	  	 	 	314.29	  	 	 	98	  
	84	 	 	29.19	  	 	 	43.96	  	 	 	59.67	  	 	 	76.97	  	 	 	92.27	  	 	 	100.83	  	 	 	113.87	  	 	 	125.02	  	 	 	135.77	  	 	 	145.07	  	 	 	157.37	  	 	 	171.06	  	 	 	191.25	  	 	 	218.47	  	 	 	233.31	  	 	 	331.77	  	 	 	99	  
	85	 	 	31.78	  	 	 	47.83	  	 	 	64.87	  	 	 	83.52	  	 	 	99.80	  	 	 	108.68	  	 	 	122.35	  	 	 	133.94	  	 	 	145.08	  	 	 	154.63	  	 	 	167.37	  	 	 	181.56	  	 	 	202.59	  	 	 	231.01	  	 	 	246.29	  	 				 			
	86	 	 	41.64	  	 	 	59.47	  	 	 	78.32	  	 	 	96.94	  	 	 	110.92	  	 	 	123.34	  	 	 	136.43	  	 	 	146.92	  	 	 	156.62	  	 	 	167.92	  	 	 	181.01	  	 	 	197.78	  	 	 	220.17	  	 	 	238.88	  	 	 	622.62	  	 				 			
	87	 	 	45.27	  	 	 	64.52	  	 	 	84.70	  	 	 	104.48	  	 	 	119.19	  	 	 	132.14	  	 	 	145.78	  	 	 	156.61	  	 	 	166.57	  	 	 	178.22	  	 	 	191.74	  	 	 	209.12	  	 	 	232.41	  	 	 	622.61	  	 				 				 			
	88	 	 	53.10	  	 	 	75.20	  	 	 	98.08	  	 	 	120.26	  	 	 	136.44	  	 	 	150.50	  	 	 	165.27	  	 	 	176.78	  	 	 	187.28	  	 	 	194.10	  	 	 	202.75	  	 	 	220.75	  	 	 	615.80	  	 				 				 				 			
	89	 	 	53.10	  	 	 	75.20	  	 	 	98.08	  	 	 	120.26	  	 	 	136.44	  	 	 	150.50	  	 	 	165.27	  	 	 	176.78	  	 	 	187.28	  	 	 	199.63	  	 	 	214.02	  	 	 	610.69	  	 				 				 				 				 			
	90	 	 	57.22	  	 	 	80.78	  	 	 	105.07	  	 	 	128.50	  	 	 	145.44	  	 	 	160.06	  	 	 	175.41	  	 	 	187.27	  	 	 	198.03	  	 	 	210.73	  	 	 	608.99	  	 				 				 				 				 				 			

  

					
	 RS#004998
	  	Rate Table S-1	  	 Doc # 8243-00-00

 75-80 BASIC MORTALITY TABLES 

Female Aggregate/Age Last Birthday 
 Policy Year 
  

																																																																					
	 AGE
	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10	 	 	11	 	 	12	 	 	13	 	 	14	 	 	15	 	 	Attained Age	 
	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	  	 	 	15	  
	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	  	 	 	16	  
	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	  	 	 	17	  
	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	  	 	 	18	  
	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	  	 	 	19	  
	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	  	 	 	20	  
	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	  	 	 	21	  
	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	  	 	 	22	  
	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	  	 	 	23	  
	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	  	 	 	24	  
	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	  	 	 	25	  
	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	  	 	 	26	  
	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	  	 	 	27	  
	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	  	 	 	28	  
	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	  	 	 	29	  
	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	  	 	 	30	  
	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	  	 	 	31	  
	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	  	 	 	32	  
	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	  	 	 	33	  
	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	  	 	 	34	  
	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	  	 	 	35	  
	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	  	 	 	36	  
	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	  	 	 	37	  
	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	  	 	 	38	  
	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	  	 	 	39	  
	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	  	 	 	40	  
	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	  	 	 	41	  
	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	  	 	 	42	  
	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	  	 	 	43	  
	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	  	 	 	44	  
	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	  	 	 	45	  
	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	  	 	 	46	  
	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	  	 	 	47	  
	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	  	 	 	48	  
	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	  	 	 	49	  
	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	  	 	 	50	  
	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	  	 	 	51	  
	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	  	 	 	52	  
	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	  	 	 	53	  
	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	  	 	 	54	  
	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	  	 	 	55	  
	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	  	 	 	56	  
	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	  	 	 	57	  
	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	  	 	 	58	  
	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	  	 	 	59	  
	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	  	 	 	60	  
	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	  	 	 	61	  
	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	  	 	 	62	  
	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	  	 	 	63	  
	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	  	 	 	64	  
	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	  	 	 	65	  
	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	  	 	 	66	  
	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	  	 	 	67	  
	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	  	 	 	68	  
	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	  	 	 	69	  
	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	  	 	 	70	  

  

					
	 RS#004998
	  	 Rate Table S-1
	  	 Doc # 8243-00-00

 75-80 BASIC MORTALITY TABLES 

Female Aggregate/Age Last Birthday 
 Policy Year 
  

																																																																					
	 AGE
	 	1	 	 	2	 	 	3	 	 	4	 	 	5	 	 	6	 	 	7	 	 	8	 	 	9	 	 	10	 	 	11	 	 	12	 	 	13	 	 	14	 	 	15	 	 	Attained Age	 
	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	  	 	 	71	  
	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	  	 	 	72	  
	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	  	 	 	73	  
	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	  	 	 	74	  
	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	  	 	 	75	  
	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	  	 	 	76	  
	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	  	 	 	77	  
	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	  	 	 	78	  
	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	  	 	 	79	  
	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	  	 	 	80	  
	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	  	 	 	81	  
	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	  	 	 	82	  
	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	  	 	 	83	  
	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	  	 	 	84	  
	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	  	 	 	85	  
	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	  	 	 	56.16	  	 	 	98.58	  	 	 	86	  
	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	  	 	 	56.16	  	 	 	61.85	  	 	 	108.18	  	 	 	87	  
	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	  	 	 	61.84	  	 	 	67.87	  	 	 	118.34	  	 	 	88	  
	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	  	 	 	59.29	  	 	 	67.86	  	 	 	74.24	  	 	 	129.04	  	 	 	89	  
	75	 	 	6.57	  	 	 	9.49	  	 	 	12.70	  	 	 	16.09	  	 	 	19.65	  	 	 	23.57	  	 	 	27.88	  	 	 	32.72	  	 	 	38.18	  	 	 	44.36	  	 	 	53.83	  	 	 	59.28	  	 	 	65.06	  	 	 	74.23	  	 	 	80.96	  	 	 	140.30	  	 	 	90	  
	76	 	 	7.38	  	 	 	10.68	  	 	 	14.31	  	 	 	18.11	  	 	 	22.07	  	 	 	26.40	  	 	 	31.13	  	 	 	36.41	  	 	 	42.34	  	 	 	49.01	  	 	 	59.28	  	 	 	65.06	  	 	 	71.17	  	 	 	80.95	  	 	 	88.02	  	 	 	152.10	  	 	 	91	  
	77	 	 	8.30	  	 	 	12.03	  	 	 	16.10	  	 	 	20.34	  	 	 	24.72	  	 	 	29.48	  	 	 	34.64	  	 	 	40.38	  	 	 	46.79	  	 	 	53.97	  	 	 	65.05	  	 	 	71.17	  	 	 	77.61	  	 	 	88.01	  	 	 	95.42	  	 	 	164.46	  	 	 	92	  
	78	 	 	9.35	  	 	 	13.54	  	 	 	18.08	  	 	 	22.78	  	 	 	27.61	  	 	 	32.80	  	 	 	38.41	  	 	 	44.61	  	 	 	51.52	  	 	 	59.23	  	 	 	71.16	  	 	 	77.60	  	 	 	84.38	  	 	 	95.41	  	 	 	103.18	  	 	 	177.36	  	 	 	93	  
	79	 	 	10.52	  	 	 	15.20	  	 	 	20.25	  	 	 	25.44	  	 	 	30.72	  	 	 	36.38	  	 	 	42.44	  	 	 	49.13	  	 	 	56.54	  	 	 	64.79	  	 	 	77.60	  	 	 	84.37	  	 	 	91.48	  	 	 	103.16	  	 	 	111.27	  	 	 	190.82	  	 	 	94	  
	80	 	 	11.81	  	 	 	17.03	  	 	 	22.61	  	 	 	28.31	  	 	 	34.07	  	 	 	40.19	  	 	 	46.73	  	 	 	53.91	  	 	 	61.85	  	 	 	70.65	  	 	 	84.37	  	 	 	91.47	  	 	 	98.91	  	 	 	111.26	  	 	 	119.72	  	 	 	204.82	  	 	 	95	  
	81	 	 	13.23	  	 	 	19.01	  	 	 	25.16	  	 	 	31.39	  	 	 	37.64	  	 	 	44.26	  	 	 	51.28	  	 	 	58.98	  	 	 	67.44	  	 	 	76.81	  	 	 	91.46	  	 	 	98.90	  	 	 	106.67	  	 	 	119.70	  	 	 	128.50	  	 	 	219.38	  	 	 	96	  
	82	 	 	14.78	  	 	 	21.16	  	 	 	27.90	  	 	 	34.68	  	 	 	41.45	  	 	 	48.57	  	 	 	56.10	  	 	 	64.31	  	 	 	73.32	  	 	 	83.27	  	 	 	98.90	  	 	 	106.66	  	 	 	114.77	  	 	 	128.48	  	 	 	137.63	  	 	 	234.48	  	 	 	97	  
	83	 	 	16.44	  	 	 	23.46	  	 	 	30.83	  	 	 	38.19	  	 	 	45.49	  	 	 	53.13	  	 	 	61.17	  	 	 	69.92	  	 	 	79.49	  	 	 	90.04	  	 	 	106.65	  	 	 	114.75	  	 	 	123.19	  	 	 	137.62	  	 	 	147.11	  	 	 	250.14	  	 	 	98	  
	84	 	 	18.23	  	 	 	25.92	  	 	 	33.95	  	 	 	41.91	  	 	 	49.76	  	 	 	57.94	  	 	 	66.51	  	 	 	75.80	  	 	 	85.95	  	 	 	97.10	  	 	 	114.75	  	 	 	123.17	  	 	 	131.94	  	 	 	147.09	  	 	 	156.93	  	 	 	266.34	  	 	 	99	  
	85	 	 	20.14	  	 	 	28.55	  	 	 	37.26	  	 	 	45.85	  	 	 	54.26	  	 	 	62.99	  	 	 	72.11	  	 	 	81.96	  	 	 	92.69	  	 	 	104.47	  	 	 	123.17	  	 	 	131.93	  	 	 	141.02	  	 	 	156.91	  	 	 	167.10	  	 				 			
	86	 	 	22.18	  	 	 	31.33	  	 	 	40.75	  	 	 	50.00	  	 	 	58.99	  	 	 	68.29	  	 	 	77.97	  	 	 	88.39	  	 	 	99.73	  	 	 	112.14	  	 	 	131.92	  	 	 	141.01	  	 	 	150.44	  	 	 	167.07	  	 				 				 			
	87	 	 	24.34	  	 	 	34.27	  	 	 	44.44	  	 	 	54.36	  	 	 	63.95	  	 	 	73.84	  	 	 	84.08	  	 	 	95.10	  	 	 	107.05	  	 	 	120.11	  	 	 	141.00	  	 	 	150.42	  	 	 	160.19	  	 				 				 				 			
	88	 	 	26.63	  	 	 	37.37	  	 	 	48.32	  	 	 	58.93	  	 	 	69.15	  	 	 	79.63	  	 	 	90.46	  	 	 	102.08	  	 	 	114.65	  	 	 	128.38	  	 	 	150.42	  	 	 	160.17	  	 				 				 				 				 			
	89	 	 	29.04	  	 	 	40.63	  	 	 	52.38	  	 	 	63.72	  	 	 	74.57	  	 	 	85.67	  	 	 	97.10	  	 	 	109.33	  	 	 	122.55	  	 	 	136.95	  	 	 	160.16	  	 				 				 				 				 				 			
	90	 	 	31.57	  	 	 	44.05	  	 	 	56.64	  	 	 	68.72	  	 	 	80.23	  	 	 	91.96	  	 	 	104.00	  	 	 	116.86	  	 	 	130.73	  	 	 	145.82	  	 				 				 				 				 				 				 			

  

					
	 RS#004998
	  	 Rate Table S-1
	  	 Doc # 8243-00-00

 SCHEDULE V - LIMITS 

REINSURER’ S SHARE: 
 First Dollar Quota Share 30 % 

  

					
	 (052)8243-00-00
	  	22	  	7/17/02

 SCHEDULE V - SAMPLE STATEMENT
SPECIFICATIONS 
 The following information should appear on each Statement and Inforce listing: 

 

	 	•	 	 Name of the Insured(s) 

  

	 	•	 	 Date of Birth of the Insured(s) 

  

	 	•	 	 The Issue Age of each Insured(s) 

  

	 	•	 	 The Sex of the Insured(s) 

  

	 	•	 	 The Insured(s) Country of Residence 

  

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

 

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

  

	 	•	 	 Indication if Business is Facultative or Automatic 

 

	 	•	 	 Indication if Business is Risk Premium or Coinsurance 

 

	 	•	 	 Policy Number(s) 

  

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

  

	 	•	 	 Original Face Amount of the Policy(s) 

  

	 	•	 	 Amount(s) Ceded to the Reinsurer 

  

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

 

	 	•	 	 The Amount of any Reinsurance Premium Allowances 

  

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

 

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

  

					
	 (052)8243-00-00
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 SCHEDULE VII - SAMPLE POLICY
EXHIBIT 
  

									
	 POLICY SUMMARY

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

  

					
	 (052)8243-00-00
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 SCHEDULE VIII - DEFINITIONS 

Assume - To accept or take over a risk, the converse of cede. 

Automatic Reinsurance - A reinsurance agreement under which the Reinsurer is obligated to accept or assume risks that meet certain
specific criteria based on the Ceding Company’s underwriting. 
 Cash Value - The amount of money that the policy
owner will receive as a refund if the policy owner cancels the coverage and returns the policy to the company. 
 Cede -
To transfer an insurance risk from the company originally issuing the policy to another insurance company known as the Reinsurer. 
 Ceding Company - A ceding insurer is an insurer that underwrites and issues an original, principal policy to an insured and contractually transfers (cedes) a portion of the risk to the
Reinsurer. A ceding Reinsurer is a Reinsurer which transfers (cedes) a portion of the underlying reinsurance to a retrocessionaire. 
 Conditional Receipt - A provision included in some life insurance policies providing coverage from the date of the application to the date at which the policy is either issued or declined.

 Experience Refund or Profit Commission - A provision found in some reinsurance agreements which provides for
profit sharing. Parties agree to a formula for calculating profit, an allowance for the Reinsurer’s expenses, and the Ceding Company’s share of such profit after expenses. 

Extra Contractual Obligations (ECO) - A generic term that, when used in a reinsurance agreement, refers to damages awarded
by a court against an insurer which are outside the provisions of the insurance policy, due to the insurer’s bad faith, fraud or gross negligence in the handling of a claim. 

Flat Extra Premium - A method for rating substandard risks used when the extra risk is considered to be constant. The underwriter
assesses a specific extra premium for each $1,000 of insurance. Flat extra ratings usually apply to applicants in hazardous occupations or avocations, aviation, or with certain physical impairments of a temporary nature. 

Indexing - The adjustment of the Ceding Company’s retention and the reinsurance limit by a measure of inflation such as the
Consumer Price Index. 
 Original Policy (s) - Insurance contracts between the Original Company and the Insured(s).

 Policy Reserve - A liability account that identifies the amount of assets that, together with the future
premiums to be received from inforce policies, is expected to be sufficient to pay future claims on those inforce policies. Also called a legal reserve or a statutory reserve. 
 Pool - A method of allocating reinsurance among several Reinsurers. Using this method, each Reinsurer receives a specified percentage of each risk ceded into the pool. A reinsurance pool is a
multi-Reinsurer agreement under which each Reinsurer in the group or pool assumes a specified portion of each risk ceded to the pool. 
 Premium - (Written/Unearned/Earned) - Written premium is premium registered on the books of an insurer or Reinsurer at the time a policy is issued and paid. Premium for a future exposure period is
said to be unearned premium. For an individual policy, written premium minus unearned premium equals earned premium. Earned premium is income for the accounting period while unearned premium will be income in a future accounting period. 

Punitive Damages - A term that, when used in reinsurance agreements, refers to damages awarded by a court against an insured or
against an insurer in addition to compensatory damages. Punitive damages are intended to punish the insured or the insurer for willful and careless misconduct and to serve as a deterrent, When the award is against an insurer, it is usually related
to the conduct of the insurer in the handling of a claim. 
 Quota Share - A form of reinsurance in which premiums
and losses are shared proportionately between the Ceding Company and the Reinsurer, in which the same percentage applies to all policies reinsured. 

  

					
	 (052)8243-00-00
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 SCHEDULE VIII - DEFINITIONS (CONTINUED)

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

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

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

Retention - The dollar amount or percentage of each loss retained by the Ceding Company under this reinsurance agreement.

 The Ceding Company’s retention is not reinsured in any way. 

Risk - Insurance on an individual life. 
 Risk Premium Reinsurance - Another name for Yearly Renewable Term (YRT) reinsurance. A form of reinsurance under 
 which the risks, but not the permanent plan reserves, are transferred to the Reinsurer for a premium that varies each year with 
 the amount at risk and the ages of the insureds. Under the YRT method, the Ceding Company will transfer to the Reinsurer 
 the mortality risk on either a net amount at risk basis or on an approximation of the net amount at risk basis. 
 Self-Administration - A reinsurance arrangement where the Ceding Company provides the Reinsurer with periodic reports 
 for reinsurance ceded giving premium, inforce, reserve, and any other information required by the Reinsurer for its financial 
 reports. Self-Administration is also known as Bulk or Bordereaux. 
 Standard
Guidelines - The underwriting guidelines intended to be applied to all applications for insurances of the type(s) 

reinsured under this agreement. 
 Substandard Risks - Those insureds that, under the terms of the Ceding Company’s standard guidelines, do not meet the 

criteria for issuance at standard premium rates. 
 Substandard Table Extra - Substandard table extra ratings usually apply to physically impaired lives. The rates will be 

increased by a factor as shown in Schedule I for each table of additional mortality. 

Sum at Risk or Net Amount at Risk - The excess of the death benefit of a policy over the policy reserve. 

Termination - The formal ending of a reinsurance agreement by its natural expiry, cancellation or commutation by both 

parties. Terminations can be either on a cutoff or runoff basis. Under cutoff provisions, the parties’ obligations are fixed as of

 the agreed cutoff date. Otherwise, obligations incurred while the agreement was inforce are run off to their natural
extinction. 
 Yearly Renewable Term - Another name for Risk Premium Reinsurance. 

  

					
	 (052)8243-00-00
	  	26	  	7/17/02

 8243-00-01 
 AMENDMENT 
 to the 

AUTOMATIC YRT REINSURANCE AGREEMENT Effective January 1, 2002 

between 

SUNSET LIFE INSURANCE COMPANY OF AMERICA, Kansas City, Missouri 

(hereinafter called the “Ceding Company”) 
 and 
 RGA REINSURANCE COMPANY, St. Louis, Missouri 

(hereinafter called the “Reinsurer”) 
  

	I.	 REVISED SCHEDULE I - REINSURANCE SPECIFICATIONS, SCOPE, ARTICLE III 

Effective May 1, 2003, Schedule I, Reinsurance Specifications, Scope Article III (Eff. 1/1/2002) is hereby revised as
follows: 
  

			
	 3.      THE REINSURER’S
SHARE:
	 	 First Dollar Quota Share 60%

  

	II.	 REVISED REINSURER’S SHARE 

Effective May 1, 2003, Schedule V, Limits (Eff. 1/1/2002) is hereby revised as follows: 

 

			
	 Reinsurer’s Share:
	 	 First Dollar Quota Share 60 %

  

	III.	 The Ceding Company will also owe the Reinsurer an unearned premium of May 1, and will be responsible for any claims incurred prior to
May 1, 2003 on the new share. 

  

	IV.	 Effective January 1, 2002, the following wording shall be added to Schedule IV - Reinsurance Premiums. 

The seriatim listing of life insurance inforce as of March 31, 2001 was sent by the Ceding Company on June 18,
2001, accurately reflects the block of business to be reinsured. 
 The mortality study provided in July 2001,
employed standard actuarial techniques, fully analyzed and accurately and fairly represented the historic mortality experience on the type of business to be reinsured. The lapse study provided in June 2001, employed standard actuarial techniques,
fully analyzed and accurately and fairly represented the historic lapse experience on the type of business to be reinsured. 
 The closed block consists of universal life, quota share term, premium paying term, whole life, paid-up policies, universal life level term and spouse riders, cost of living riders, and level or
decreasing term riders on traditional plans. These policies have issue dates ranging from the early 1930’s through 2001. 

  

					
	 7:\052\8743-00-01
	  	1	  	 07/30/03

 Exclusions: Family term riders and children’s term riders will be
excluded. Also excluded are all types of waiver of premium and accidental death benefits as well as any riders that prepay a death benefit such as terminal illness, long-term care or living benefit riders. Any business issued with exceptions to
standard underwriting practices will also be excluded. 
 The Ceding Company warrants to the Reinsurer that the
business under the Closed Block (as defined in Schedule III) was issued using industry standards as to underwriting and is consistent with the underwriting practices of the business in the Closed Block during that era. 

 

	V.	 Effective May 1, 2003, the following wording shall be added to Schedule IV - Reinsurance Premiums. 

The Ceding Company warrants to the Reinsurer that the reinsurance premiums, claims and amount of insurance inforce for the
business under the Closed Block (as defined in Schedule III) were reported to the Reinsurer in a timely manner and accurately and fairly present the actual experience for the accounting period of January 1, 2002 through March 31, 2003.

  

	VI.	 All provisions of the Automatic YRT Agreement not specifically modified herein remain unchanged. 

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

 

									
	SUNSET LIFE INSURANCE COMPANY OF AMERICA	 		 	
					
	 By:
	 	 /s/ Carl T. Barnes
	 		 	 By:
	 	 /s/ Robert J. Milroy

					
	 Title:
	 	 Asst. V.P.
	 		 	 Title:
	 	 V.P. Underwriting and New Bus

					
	 Date:
	 	 8/28/2003
	 		 	 Date:
	 	 8/28/03

			
	RGA REINSURANCE COMPANY	 		 	
					
	 By:
	 	 /s/ Larry J Shorey
	 		 		 	
					
	 Title:
	 	 Vice President
	 		 		 	
					
	 Date:
	 	 7/30/03
	 		 		 	

  

					
	 7:\052\8743-00-01
	  	2	  	07/30/03

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