Common use of Accidental Death Benefits Clause in Contracts

Accidental Death Benefits. Not applicable The Company’s retention amounts apply to Life and ADB separately. Risk Retention Any change in the net amount at risk due to changes in the cash value applicable to the policy will be shared proportionately between the Company and its reinsurers. 1414849US-12 (11-01-2011) QT#04028US11 (COLI & BXXx)

Accidental Death Benefits. Not applicable The Company’s retention amounts apply to Life and ADB separately. Risk Retention Any change in the net amount at risk due to changes in the cash value applicable to the policy will be shared proportionately between the Company and its reinsurers. 1414849US-12 1414848US-12 (11-01-2011) QT#04028US11 (COLI & BXXx)