Common use of ADDITIONAL UNDERWRITING REQUIREMENTS Clause in Contracts

ADDITIONAL UNDERWRITING REQUIREMENTS. The following requirements apply to business reinsured under this Agreement. These requirements are in addition to the conventional underwriting and issue practices described in Article 3.a. of this Agreement. BLOOD PROFILE LIMITS: Where permitted by law, a blood profile including an AIDS test is required for ages 18+. The AIDS test is to be an HIV or, when the HIV is not permitted, a T-Cell ratio. EXHIBIT A.I UNDERWRITING GUIDELINES SCHEDULE B REINSURANCE PREMIUMS - YEARLY/MONTHLY RENEWABLE TERM BASIS

ADDITIONAL UNDERWRITING REQUIREMENTS. The following requirements apply to business reinsured under this Agreement. These requirements are in addition to the conventional underwriting and issue practices described in Article 3.a. of this Agreement. BLOOD PROFILE LIMITS: Where permitted by law, a blood profile including an AIDS test is required for ages 18+. The AIDS test is to be an HIV or, when the HIV is not permitted, a T-Cell ratio. EXHIBIT A.I UNDERWRITING GUIDELINES SCHEDULE B REINSURANCE PREMIUMS - – YEARLY/MONTHLY RENEWABLE TERM BASIS

ADDITIONAL UNDERWRITING REQUIREMENTS. The following requirements apply to business reinsured under this Agreement. These requirements are in addition to the conventional underwriting and issue practices described in Article Section 3.a. of this Agreement. BLOOD PROFILE LIMITS: Where permitted by law, a blood profile including an AIDS test is required for ages 18+according to the age and amount conditions described below. The AIDS test is to be an HIV or, when the HIV is not permitted, a T-Cell ratio. EXHIBIT A.I UNDERWRITING GUIDELINES Issue Ages Applied For Amounts 0-40 >(or equal to) $250,001 41+ >(or equal to) $100,000 SCHEDULE B AUTOMATIC REINSURANCE PREMIUMS - YEARLY/MONTHLY YEARLY RENEWABLE TERM BASIS

ADDITIONAL UNDERWRITING REQUIREMENTS. The following additional requirements apply to business reinsured under this Agreement. These requirements are in addition to the conventional underwriting and issue practices described in Article Section 3.a. of this Agreement. BLOOD PROFILE LIMITS: . Where permitted by law, a blood profile including an AIDS test is required for ages 18+according to the age and amount conditions described below. The AIDS test is to be an HIV or, when the HIV is not permitted, a T-Cell ratio. EXHIBIT A.I UNDERWRITING GUIDELINES Ages Applied for Amount ------- ------------------ 18 and over $100,000 SCHEDULE B REINSURANCE PREMIUMS - YEARLY/MONTHLY RENEWABLE TERM BASISA, CONTINUED