Common use of Coinsurance Allowances Clause in Contracts

Coinsurance Allowances. Plans: Ten Year Term, Additional Insured Rider Preferred Standard Preferred Standard Year Nonsmoker Nonsmoker Smoker Smoker ---- --------- --------- --------- -------- Band I 1 100% 100% 100% 100% 2-10 9% 20% 15% 18% Band II 1 100% 100% 100% 100% 2-10 9% 7% 2% 7% Band III Same as Band II Attachment No. 2 Reinsurance Premiums and Coinsurance Allowances for Facultative Replacement Business

Coinsurance Allowances. Plans: Ten Year Term, Additional Insured Rider Preferred Standard Preferred Standard Year Nonsmoker Nonsmoker Smoker Smoker ---- --------- --------- --------- -------- Band I 1 100% 100% 100% 100% 2-10 95% 2016% 1511% 1814% Band II 1 100% 100% 100% 100% 2-10 9% 75% 2% 7-2%(neg.) 2% Band III Same as Band II Attachment No. 2 Reinsurance Premiums and Coinsurance Allowances for Facultative Replacement BusinessII