Common use of AUTOMATIC ACCEPTANCE LIMIT Clause in Contracts

AUTOMATIC ACCEPTANCE LIMIT. A. For any policy to be reinsured under automatic reinsurance, the face amount will not exceed the Automatic Issue Limits shown in the following tables: US/Canadian Residents – No Foreign Travel – Non-Smoker Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 – 65 $ 65,000,000 $ 65,000,000 $ 53,000,000 66 – 70 $ 63,000,000 $ 50,000,000 $ 30,000,000 71 – 75 $ 41,000,000 $ 34,000,000 $ 20,500,000 76 – 77 $ 25,500,000 $ 20,500,000 $ 14,000,000 78 – 80 $ 25,500,000 $ 20,500,000 $ 14,000,000 81 – 85 $ 13,500,000 $ 11,500,000 $ 6,750,000 86 – 90 $ 6,750,000 $ 5,750,000 $ 3,600,000 US/Canadian Residents – No Foreign Travel – One Smoker Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 65,000,000 $ 60,000,000 $ 45,000,000 66 - 70 $ 53,000,000 $ 48,000,000 $ 27,000,000 71 - 75 $ 36,000,000 $ 33,000,000 $ 20,500,000 76 – 77 $ 23,500,000 $ 20,500,000 $ 14,000,000 78 - 80 $ 23,500,000 $ 20,500,000 $ 14,000,000 81 – 85 $ 12,500,000 $ 10,500,000 $ 6,750,000 86 - 90 $ 5,750,000 $ 4,750,000 $ 2,600,000 US/Canadian Residents – No Foreign Travel – Two Smokers Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 60,000,000 $ 55,000,000 $ 43,000,000 66 - 70 $ 48,000,000 $ 43,000,000 $ 26,000,000 71 - 75 $ 32,000,000 $ 31,000,000 $ 20,500,000 76 – 77 $ 20,500,000 $ 20,500,000 $ 13,000,000 78 - 80 $ 20,500,000 $ 20,500,000 $ 13,000,000 81 – 85 $ 10,500,000 $ 9,500,000 $ 5,750,000 86 - 90 $ 4,750,000 $ 3,750,000 $ 2,600,000 If both lives exceed Class H, there will be no automatic limit. If one life is ratable over Class H, then the following individual policy limits for the lesser impaired life’s mortality classification apply: US/Canadian Residents – No Foreign Travel – Non-Smoker Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 – 65 $ 41,000,000 $ 41,000,000 $ 34,000,000 66 – 70 $ 29,000,000 $ 29,000,000 $ 23,500,000 71 – 75 $ 19,500,000 $ 19,500,000 $ 15,000,000 76 – 77 $ 12,000,000 $ 12,000,000 $ 8,500,000 78 – 80 $ 8,500,000 $ 8,500,000 $ 6,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 – 90 $ 2,700,000 $ 2,700,000 None US/Canadian Residents – No Foreign Travel – One Smoker Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 35,000,000 $ 35,000,000 $ 28,000,000 66 - 70 $ 26,000,000 $ 26,000,000 $ 20,500,000 71 - 75 $ 19,500,000 $ 19,500,000 $ 13,000,000 76 – 77 $ 11,000,000 $ 11,000,000 $ 7,500,000 78 - 80 $ 7,500,000 $ 7,500,000 $ 5,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 - 90 $ 1,700,000 $ 1,700,000 None US/Canadian Residents – No Foreign Travel – Two Smokers Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 31,000,000 $ 31,000,000 $ 24,000,000 66 - 70 $ 25,000,000 $ 25,000,000 $ 18,500,000 71 - 75 $ 19,000,000 $ 19,000,000 $ 12,000,000 76 – 77 $ 11,000,000 $ 11,000,000 $ 7,500,000 78 - 80 $ 7,500,000 $ 7,500,000 $ 5,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 - 90 $ 1,700,000 $ 1,700,000 None US/Canadian Residents - Foreign Travel Rating Class of Higher Rated Life Pref. Best – Class C Class D - E Greater than Class E Ages: 18 – 70 $ 10,000,000 $ 7,500,000 None 71 – 75 $ 7,500,000 $ 5,000,000 None 76 – 90 None None None Non US/Canadian Residents Rating Class of Higher Rated Life Pref. Best – Class C Class D - E Greater than Class E Ages: 18 – 70 $ 20,000,000 $ 15,000,000 None 71 – 75 $ 15,000,000 $ 10,000,000 None 76 – 90 None None None

AUTOMATIC ACCEPTANCE LIMIT. A. For any policy to be reinsured under automatic reinsurance, the face amount will not exceed the Automatic Issue Limits shown in the following tables: US/Canadian Residents – No Foreign Travel – Non-Smoker Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 – 65 $ 65,000,000 $ 65,000,000 $ 53,000,000 66 – 70 $ 63,000,000 $ 50,000,000 $ 30,000,000 71 – 75 $ 41,000,000 $ 34,000,000 $ 20,500,000 76 – 77 $ 25,500,000 $ 20,500,000 $ 14,000,000 78 – 80 $ 25,500,000 $ 20,500,000 $ 14,000,000 81 – 85 $ 13,500,000 $ 11,500,000 $ 6,750,000 86 – 90 $ 6,750,000 $ 5,750,000 $ 3,600,000 US/Canadian Residents – No Foreign Travel – One Smoker Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 65,000,000 $ 60,000,000 $ 45,000,000 66 - 70 $ 53,000,000 $ 48,000,000 $ 27,000,000 71 - 75 $ 36,000,000 $ 33,000,000 $ 20,500,000 76 – 77 $ 23,500,000 $ 20,500,000 $ 14,000,000 78 - 80 $ 23,500,000 $ 20,500,000 $ 14,000,000 81 – 85 $ 12,500,000 $ 10,500,000 $ 6,750,000 86 - 90 $ 5,750,000 $ 4,750,000 $ 2,600,000 US/Canadian Residents – No Foreign Travel – Two Smokers Rating Class of Higher Rated Life Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 60,000,000 $ 55,000,000 $ 43,000,000 66 - 70 $ 48,000,000 $ 43,000,000 $ 26,000,000 71 - 75 $ 32,000,000 $ 31,000,000 $ 20,500,000 76 – 77 $ 20,500,000 $ 20,500,000 $ 13,000,000 78 - 80 $ 20,500,000 $ 20,500,000 $ 13,000,000 81 – 85 $ 10,500,000 $ 9,500,000 $ 5,750,000 86 - 90 $ 4,750,000 $ 3,750,000 $ 2,600,000 If both lives exceed Class H, there will be no automatic limitissue amount. If one life is ratable over Class H, then the following individual policy limits for the lesser impaired life’s mortality classification apply: US/Canadian Residents – No Foreign Travel – Non-Smoker Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 – 65 $ 41,000,000 $ 41,000,000 $ 34,000,000 66 – 70 $ 29,000,000 $ 29,000,000 $ 23,500,000 71 – 75 $ 19,500,000 $ 19,500,000 $ 15,000,000 76 – 77 $ 12,000,000 $ 12,000,000 $ 8,500,000 78 – 80 $ 8,500,000 $ 8,500,000 $ 6,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 – 90 $ 2,700,000 $ 2,700,000 None US/Canadian Residents – No Foreign Travel – One Smoker Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 35,000,000 $ 35,000,000 $ 28,000,000 66 - 70 $ 26,000,000 $ 26,000,000 $ 20,500,000 71 - 75 $ 19,500,000 $ 19,500,000 $ 13,000,000 76 – 77 $ 11,000,000 $ 11,000,000 $ 7,500,000 78 - 80 $ 7,500,000 $ 7,500,000 $ 5,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 - 90 $ 1,700,000 $ 1,700,000 None US/Canadian Residents – No Foreign Travel – Two Smokers Rating Class of Less Impaired Insured Issue Age of Older Insured No Substandard Rating Class A – D Class E – H Ages: 18 - 65 $ 31,000,000 $ 31,000,000 $ 24,000,000 66 - 70 $ 25,000,000 $ 25,000,000 $ 18,500,000 71 - 75 $ 19,000,000 $ 19,000,000 $ 12,000,000 76 – 77 $ 11,000,000 $ 11,000,000 $ 7,500,000 78 - 80 $ 7,500,000 $ 7,500,000 $ 5,750,000 81 – 85 $ 4,750,000 $ 4,750,000 None 86 - 90 $ 1,700,000 $ 1,700,000 None US/Canadian Residents - – Foreign Travel Rating Class of Higher Rated Life Pref. Issue Age of Older Insured Preferred Best – Class C Class D - – E Greater than Class E Ages: 18 – 70 - 65 $ 10,000,000 $ 7,500,000 None 71 – 75 66 - 70 $ 7,500,000 $ 5,000,000 None 76 – 90 None None None Non US/Canadian Residents Rating Class of Higher Rated Life Pref. Best – Class C Class D 70 - E Greater than Class E Ages: 18 – 70 $ 20,000,000 $ 15,000,000 None 71 – 75 $ 15,000,000 $ 10,000,000 None 76 – 90 None None None00 Xxxx Xxxx Xxxx