Common use of Canadian Residents Clause in Contracts

Canadian Residents. Non-Smoker: Issue Age No Substandard Rating Rating Class A-D Rating Class E-H 0 - 65 $65,000,000 $65,000,000 $46,400,000 66 - 70 $60,900,000 $55,900,000 $35,400,000 71 - 75 $46,400,000 $43,400,000 $23,400,000 76 – 77 $26,400,000 $23,400,000 $15,900,000 78 –80 $21,900,000 $18,900,000 $11,400,000 81 – 85 $13,400,000 $11,400,000 None 86 – 90 $5,250,000 $4,250,000 None Smoker: Issue Age No Substandard Rating Rating Class A-D Rating Class E-H 15 – 65 $64,900,000 $64,900,000 $46,400,000 66 – 70 $50,900,000 $50,900,000 $34,400,000 71 – 75 $41,400,000 $41,400,000 $23,400,000 76 – 77 $23,400,000 $23,400,000 $14,900,000 78 – 80 $18,900,000 $18,900,000 $10,400,000 81 – 85 $11,400,000 $10,400,000 None

Canadian Residents. Non-Smoker: Issue Age No Substandard Rating Rating Class A-D Rating Class E-H 0 - 65 $65,000,000 $65,000,000 $46,400,000 66 - 70 $60,900,000 $55,900,000 $35,400,000 71 - 75 $46,400,000 $43,400,000 $23,400,000 76 – 77 $26,400,000 $23,400,000 $15,900,000 78 –80 $21,900,000 $18,900,000 $11,400,000 81 – 85 $13,400,000 $11,400,000 None 86 – 90 $5,250,000 $4,250,000 4,150,000 None Smoker: Issue Age No Substandard Rating Rating Class A-D Rating Class E-H 15 – 65 $64,900,000 $64,900,000 $46,400,000 66 – 70 $50,900,000 $50,900,000 $34,400,000 71 – 75 $41,400,000 $41,400,000 $23,400,000 76 – 77 $23,400,000 $23,400,000 $14,900,000 78 – 80 $18,900,000 $18,900,000 $10,400,000 81 – 85 $11,400,000 $10,400,000 None 86 - 90 $4,250,000 $3,150,000 None