Common use of FACULTATIVE RATE LIMIT Clause in Contracts

FACULTATIVE RATE LIMIT. The automatic reinsurance rates in this Agreement can be used for facultative reinsurance up to the limits shown below. If either limit would be exceeded, then the reinsurance rates shall be mutually agreed upon. SCHEDULE B, Continued a. The total individual in force and applied for in all companies does not exceed $30,000,000. b. The total amount reinsured with the Reinsurer for the subject life (or either life for joint policies) does not exceed the following: ------------------------------------------------------- Issue Age Std - Table 8 Tables 9-12 Tables 13-16 ------------------------------------------------------- 0-65 $17,000,000 $13,000,000 $10,000,000 ------------------------------------------------------- 66-75 17,000,000 6,000,000 3,000,000 ------------------------------------------------------- 76-80 8,000,000 0 0 ------------------------------------------------------- 81+ 0 0 0 ------------------------------------------------------- For joint Second-to-Die policies, the maximum amount in the table above shall be determined by the life which produces the largest amount. For policies where one life is uninsurable, if the healthier life is rated above Table 8, the Reinsurer can offer only its retention of $1,000,000, if available. REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Nonsmoker REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Nonsmoker -------------------------------------------------------------------------------------------------------------------------------- Policy Year Issue ------------------------------------------------------------------------------------------------------------------ Attnd Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ult Age -------------------------------------------------------------------------------------------------------------------------------- 45 0.00 1.41 1.68 1.89 2.06 2.20 2.33 2.47 2.71 3.01 3.01 3.40 4.03 4.72 5.48 6.65 60 46 0.00 1.55 1.82 2.05 2.23 2.40 2.55 2.72 2.93 3.26 3.26 3.70 4.39 5.14 6.01 7.34 61 47 0.00 1.70 1.97 2.21 2.42 2.62 2.80 2.93 3.18 3.54 3.54 4.04 4.78 5.61 6.59 8.10 62 48 0.00 1.79 2.06 2.33 2.57 2.79 3.00 3.18 3.47 3.87 3.92 4.52 5.30 6.18 7.17 8.91 63 49 0.00 1.86 2.16 2.44 2.71 2.97 3.21 3.45 3.80 4.25 4.38 5.07 5.89 6.79 7.78 9.79 64 -------------------------------------------------------------------------------------------------------------------------------- 50 0.00 1.93 2.25 2.55 2.86 3.15 3.43 3.73 4.15 4.67 4.91 5.69 6.53 7.45 8.43 10.75 65 51 0.00 2.00 2.33 2.65 3.01 3.33 3.67 4.05 4.55 5.14 5.51 6.38 7.22 8.16 9.12 11.81 66 52 0.00 2.05 2.40 2.74 3.15 3.53 3.92 4.40 4.99 5.66 6.17 7.13 7.98 8.93 9.86 12.98 67 53 0.00 2.22 2.60 2.99 3.43 3.86 4.30 4.83 5.48 6.25 6.84 7.93 8.76 9.67 11.21 14.27 68 54 0.00 2.39 2.82 3.26 3.75 4.23 4.73 5.32 6.00 6.87 7.57 8.71 9.49 11.00 12.75 15.68 69 -------------------------------------------------------------------------------------------------------------------------------- 55 0.00 2.58 3.06 3.56 4.11 4.65 5.20 5.86 6.57 7.56 8.36 9.45 10.79 12.51 14.49 17.23 70 56 0.00 2.84 3.37 3.93 4.53 5.14 5.74 6.45 7.23 8.37 9.29 10.90 12.52 14.59 16.93 18.98 71 57 0.00 3.12 3.71 4.35 5.00 5.67 6.31 7.09 7.95 9.26 10.32 12.39 14.51 16.78 19.72 21.19 72 58 0.00 3.35 4.07 4.75 5.49 6.11 6.76 7.61 8.53 9.94 11.05 13.30 15.70 18.25 21.69 23.63 73 59 000 3.58 4.48 5.19 6.01 6.56 7.21 8.15 9.13 10.66 11.81 14.23 16.90 19.74 23.77 26.34 74 -------------------------------------------------------------------------------------------------------------------------------- 60 0.00 3.83 4.92 5.64 6.58 7.03 7.68 8.72 9.76 11.40 12.59 15.15 18.09 21.27 26.00 29.37 75 61 0.00 4.08 5.39 6.13 7.11 7.77 8.17 9.32 10.41 12.16 13.35 16.04 19.29 22.85 28.39 32.76 76 62 0.00 4.33 5.90 6.65 7.85 8.03 8.67 9.93 11.08 12.92 14.10 16.90 20.48 24.48 30.95 36.56 77 63 0.00 4.85 6.50 7.44 8.16 9.02 9.88 11.16 13.03 14.72 15.85 18.94 23.11 27.96 34.70 40.78 78 64 0.00 5.43 7.15 8.34 9.17 10.29 11.07 13.10 14.61 16.99 17.82 21.95 26.06 31.94 38.85 45.43 79 -------------------------------------------------------------------------------------------------------------------------------- 65 0.00 6.08 7.88 9.34 10.45 11.54 12.95 14.66 16.83 19.05 20.64 23.83 29.40 36.44 43.42 50.54 80 66 0.00 6.59 8.56 10.16 11.36 12.78 14.33 16.22 18.63 21.11 22.96 26.53 32.74 40.55 48.26 55.47 81 67 0.00 7.15 9.31 11.05 12.59 14.15 15.85 17.95 20.65 23.41 25.55 29.53 36.42 45.07 52.97 60.72 82 68 0.00 7.76 10.12 12.25 13.94 15.65 17.54 19.89 22.90 26.00 28.44 32.84 40.47 49.46 57.98 66.33 83 69 0.00 8.42 11.20 13.55 15.42 17.32 19.44 22.05 25.43 28.87 31.63 36.49 44.40 54.13 63.33 72.52 84 -------------------------------------------------------------------------------------------------------------------------------- 70 0.00 9.30 12.39 14.99 17.06 19.19 21.56 24.48 28.23 32.04 35.13 40.02 48.59 59.12 69.24 79.33 85 71 0.00 10.30 13.73 16.62 18.94 21.32 23.97 27.22 31.37 35.57 38.54 43.79 53.06 64.63 75.73 86.75 86 72 0.00 11.40 15.22 18.46 21.05 23.71 26.65 30.25 34.83 39.02 42.16 47.81 58.00 70.69 82.82 94.80 87 73 0.00 12.63 16.89 20.50 23.40 26.36 29.61 33.58 38.21 42.71 46.03 52.26 63.43 77.30 90.50 103.49 88 74 0.00 14.00 18.76 22.80 26.02 29.29 32.87 36.85 41.83 46.67 50.31 57.14 69.35 84.46 98.79 112.69 89 -------------------------------------------------------------------------------------------------------------------------------- 75 0.00 15.54 20.86 25.36 28.93 32.53 36.08 40.35 45.72 51.05 55.01 62.47 75.77 92.19 107.57 122.27 90 76 0.00 17.27 23.20 28.20 32.13 35.72 39.52 44.11 50.03 55.87 60.13 68.25 82.70 100.38 116.70 132.39 91 77 0.00 19.20 25.80 31.32 35.29 39.14 43.22 48.28 54.77 61.15 65.69 74.48 90.04 108.90 126.37 142.92 92 78 0.00 21.34 28.66 34.42 38.68 42.82 47.32 52.87 59.96 66.90 71.69 81.08 97.68 117.92 136.42 153.87 93 79 0.00 23.71 31.50 37.74 42.33 46.89 51.84 57.89 65.61 73.11 78.04 87.95 105.76 127.29 146.86 165.23 94 -------------------------------------------------------------------------------------------------------------------------------- 80 0.00 26.06 34.55 41.30 46.37 51.37 56.77 63.35 71.71 79.73 84.65 95.22 114.16 137.03 157.70 177.02 95 ---------------------------------------------------------------------------------------------------------------- 189.23 96 201.94 97 214.97 98 SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING 228.50 99 BY THE APPROPRIATE EXTRA MORTALITY FACTOR (25% PER TABLE) -------------- 242.49 100 FEMALE RATES: AGES 0 - 24 SAME AS MALE RATES 298.00 101 AGES 25 - 29 SAME AS MALE AGE 25 RATES 369.97 102 AGES 30 & OVER SAME AS MALE RATES 5 YEARS YOUNGER 490.17 103 660.94 104 -------------- 1000.00 105 -------------- REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Smoker 13 1. 15 1.16 1.20 1.23 1.27 1.32 1.39 1.47 1.47 1.47 1.47 1.61 1.77 1.92 40 26 0.00 1.12 1.14 1.17 1.19 1.23 1.28 1.34 1.42 1.51 1.51 1.51 1.54 1.71 1.88 2.08 41 27 0.00 1.11 1.14 1.16 1.19 1.25 1.31 1.38 1.45 1.57 1.57 1.57 1.64 1.83 2.03 2.26 42 28 0.00 1.12 1.16 1.18 1.22 1.29 1.35 1.43 1.53 1.63 1.63 1.63 1.76 1.98 2.22 2.47 43 29 0.00 1.13 1.18 1.22 1.28 1.34 1.42 1.51 1.60 1.71 1.71 1.71 1.92 2.18 2.45 2.73 44 ------------------------------------------------------------------------------------------------------------------------------------ 30 0.00 1.14 1.22 1.28 1.33 1.40 1.50 1.59 1.68 1.82 1.82 1.85 2.15 2.40 2.69 3.01 45 31 0.00 1.16 1.26 1.33 1.40 1.49 1.58 1.67 1.78 1.95 1.95 2.08 2.36 2.63 2.97 3.34 46 32 0.00 1.19 1.32 1.40 1.49 1.58 1.67 1.78 1.90 2.10 2.10 2.29 2.58 2.90 3.27 3.71 47 33 0.00 1.21 1.38 1.48 1.58 1.67 1.79 1.90 2.06 2.29 2.29 2.49 2.84 3.19 3.62 4.09 48 34 0.00 1.24 1.44 1.56 1.68 1.79 1.91 2.07 2.25 2.51 2.51 2.76 3.10 3.51 3.99 4.52 49 ------------------------------------------------------------------------------------------------------------------------------------ 35 0.00 1.28 1.52 1.66 1.80 1.92 2.09 2.26 2.46 2.72 2.72 3.01 3.39 3.85 4.38 4.96 50 36 0.00 1.34 1.62 1.80 1.94 2.13 2.32 2.52 2.72 3.03 3.03 3.31 3.74 4.24 4.80 5.39 51 37 0.00 1.42 1.74 1.95 2.16 2.36 2.58 2.78 3.04 3.33 3.33 3.65 4.13 4.64 5.25 5.86 52 38 0.00 1.50 1.85 2.09 2.31 2.52 2.76 2.99 3.27 3.61 3.61 3.99 4.52 5.10 5.74 6.35 53 39 0.00 1.59 1.99 2.25 2.48 2.72 2.98 3.23 3.53 3.89 3.89 4.34 4.94 5.59 6.26 6.88 54 ------------------------------------------------------------------------------------------------------------------------------------ 40 0.00 1.71 2.15 2.43 2.70 2.93 3.20 3.47 3.78 4.18 4.18 4.72 5.39 6.11 6.83 7.43 55 41 0.00 1.84 2.35 2.66 2.93 3.17 3.45 3.72 4.05 4.48 4.48 5.11 5.88 6.68 7.42 8.04 56 42 0.00 2.01 2.57 2.91 3.19 3.43 3.70 3.99 4.31 4.79 4.83 5.54 6.40 7.29 8.09 8.70 57 43 0.00 2.22 2.79 3.18 3.49 3.75 4.05 4.35 4.70 5.21 5.24 5.98 6.87 7.81 8.67 9.42 58 44 0.00 2.45 3.05 3.48 3.82 4.11 4.42 4.76 5.13 5.66 5.68 6.44 7.38 8.36 9.31 10.21 59 ------------------------------------------------------------------------------------------------------------------------------------ REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Smoker ------------------------------------------------------------------------------------------------------------------------------------ Policy Year Issue ---------------------------------------------------------------------------------------------------------------------- Attnd Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ult Age ------------------------------------------------------------------------------------------------------------------------------------ 45 0.00 2.72 3.33 3.79 4.17 4.49 4.81 5.20 5.62 6.13 6.14 6.94 7.94 8.96 10.01 11.08 60 46 0.00 3.04 3.63 4.14 4.53 4.89 5.24 5.68 6.03 6.59 6.61 7.47 8.56 9.67 10.87 12.18 61 47 0.00 3.39 3.96 4.50 4.92 5.33 5.73 6.07 6.48 7.11 7.12 8.06 9.24 10.45 11.82 13.37 62 48 0.00 3.58 4.17 4.75 5.23 5.66 6.11 6.51 7.02 7.73 7.84 8.92 10.14 11.41 12.76 14.64 63 49 0.00 3.76 4.39 4.99 5.52 5.99 6.50 6.99 7.60 8.42 8.66 9.87 11.16 12.43 13.71 16.01 64 ------------------------------------------------------------------------------------------------------------------------------------ 5O 0.00 3.93 4.58 5.21 5.82 6.33 6.90 7.48 8.25 9.19 9.57 10.95 12.25 13.51 14.72 17.50 65 51 0.00 4.08 4.76 5.43 6.10 6.68 7.32 8.03 8.95 10.02 10.59 12.13 13.42 14.67 15.78 19.13 66 52 0.00 4.22 4.91 5.61 6.39 7.03 7.77 8.63 9.72 10.94 11.72 13.41 14.69 15.91 16.90 20.91 67 53 0.00 4.61 5.37 6.16 6.98 7.70 8.49 9.38 10.57 11.97 12.80 14.73 15.96 17.07 19.07 22.87 68 54 0.00 5.02 5.88 6.76 7.65 8.42 9.28 10.22 11.48 13.07 13.97 15.99 17.11 19.26 21.49 25.00 69 ------------------------------------------------------------------------------------------------------------------------------------ 55 0.00 5.50 6.43 7.43 8.38 9.23 10.16 11.13 12.44 14.25 15.23 17.12 19.29 21.71 24.22 27.31 70 56 0.00 6.01 7.05 8.19 9.21 10.16 11.15 12.12 13.46 15.46 16.54 19.29 21.79 24.56 27.46 29.84 71 57 0.00 6.58 7.74 9.02 10.13 11.15 12.20 13.18 14.55 16.76 17.97 21.45 24.60 27.42 31.06 32.52 72 58 0.00 7.02 8.49 9.83 11.09 11.93 12.97 13.97 15.35 17.62 18.82 22.50 25.91 28.98 33.19 35.40 73 59 0.00 7.47 9.33 10.69 12.11 12.74 13.75 14.78 16.16 18.50 19.68 23.53 27.19 30.47 35.41 38.54 74 ------------------------------------------------------------------------------------------------------------------------------------ 60 0.00 7.93 10.23 11.59 13.21 13.57 14.55 15.63 16.99 19.38 20.52 24.49 28.39 31.95 37.72 41.99 75 61 0.00 8.41 11.19 12.55 14.22 14.94 15.39 16.50 17.83 20.25 21.29 25.36 29.54 33.44 40.17 45.77 76 62 0.00 8.88 12.23 13.57 15.66 15.34 16.24 17.38 18.66 21.09 21.99 26.15 30.64 34.92 42.74 49.93 77 63 0.00 9.95 13.47 15.20 16.21 17.19 18.47 19.36 21.64 23.59 24.22 28.72 33.81 38.95 46.82 54.45 78 64 0.00 11.15 14.81 17.02 18.19 19.57 20.64 22.52 23.92 26.72 26.72 32.64 37.31 43.46 51.27 59.33 79 ------------------------------------------------------------------------------------------------------------------------------------ 65 0.00 12.50 16.33 19.06 20.74 21.91 24.10 24.98 27.16 29.40 30.28 34.73 41.21 48.47 56.07 64.56 80 66 0.00 13.53 17.69 20.66 22.48 24.18 26.54 27.49 29.89 32.38 33.43 38.38 45.53 53.50 61.82 70.03 81 67 0.00 14.66 19.18 22.40 24.82 26.64 29.22 30.25 32.92 35.68 36.94 42.39 50.25 58.98 67.28 75.75 82 68 0.00 15.89 20.78 24.73 27.35 29.33 32.17 33.32 36.28 39.34 40.79 46.78 55.38 64.17 73.01 81.76 83 69 0.00 17.21 22.94 27.25 30.11 32.29 35.44 36.72 40.01 43.37 45.01 51.55 60.26 69.64 79.06 88.34 84 ------------------------------------------------------------------------------------------------------------------------------------ 70 0.00 18.97 25.27 30.01 33.16 35.58 39.07 40.50 44.11 47.78 49.59 56.07 65.38 75.40 85.69 95.47 85 71 0.00 20.94 27.88 33.11 36.61 39.29 43.17 44.72 48.67 52.65 53.92 60.81 70.75 81.68 92.87 103.15 86 72 0.00 23.09 30.76 36.55 40.42 43.41 47.67 49.34 53.62 57.34 58.46 65.79 76.63 88.51 100.61 111.37 87 73 0.00 25.47 33.95 40.36 44.66 47.94 52.60 54.37 58.40 62.29 63.24 71.25 83.02 95.87 108.90 120.10 88 74 0.00 28.11 37.49 44.59 49.32 52.90 57.96 59.22 63.46 67.54 68.48 77.18 89.92 103.76 117.73 129.19 89 ------------------------------------------------------------------------------------------------------------------------------------ 75 0.00 31.04 41.43 49.26 54.44 58.31 63.16 64.37 68.83 73.32 74.17 83.58 97.30 112.16 126.96 138.46 90 76 0.00 34.41 45.90 54.53 60.18 63.72 68.84 70.03 74.93 79.84 80.52 90.66 105.44 121.25 136.74 148.08 91 77 0.00 38.13 50.83 60.29 65.79 69.48 74.91 76.27 81.63 86.94 87.33 98.23 113.97 130.58 146.97 157.89 92 78 0.00 42.24 56.22 65.93 71.76 75.63 81.60 83.10 88.90 94.61 94.62 106.17 122.73 140.34 157.49 167.88 93 79 0.00 46.74 61.51 71.94 78.13 82.41 88.92 90.53 96.78 102.87 102.87 114.32 131.89 150.37 168.28 178.05 94 ------------------------------------------------------------------------------------------------------------------------------------ 80 0.00 51.18 67.14 78.34 85.14 89.82 96.88 98.57 105.24 111.62 111.62 122.85 141.31 160.66 179.34 188.39 95 -------------------------------------------------------------------------------------------------------------------- 198.90 96 209.62 97 220.39 98 SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING 231.37 99 BY THE APPROPRIATE EXTRA MORTALITY FACTOR (25% PER TABLE) -------------- 242.49 100 FEMALE RATES: AGES 0 - 24 SAME AS MALE RATES 298.00 101 AGES 25 - 29 SAME AS MALE AGE 25 RATES 369.97 102 AGES 30 & OVER SAME AS MALE RATES 5 YEARS YOUNGER 490.17 103 660.94 104 -------------- 1000.00 105 -------------- SCHEDULE C REPORTING INFORMATION INFORMATION ON RISKS REINSURED 1. Type of Transaction 2. Effective Date of Transaction 3. Automatic/Facultative Indicator 4. Policy Number 5. Full Name of Insured 6. Date of Birth 7. Sex 8. Smoker/Nonsmoker 9. Policy Plan Code 10. Insured's State of Residence 11. Issue Age 12. Issue Date 13. Duration from Original Policy Date 14. Face Amount Issued 15. Reinsured Amount (Initial Amount) 16. Reinsured Amount (Current Amount at Risk) 17. Change in Amount at Risk Since Last Report 18. Death Benefit Option (For Universal Life Type Plans) 19. ADB Amount (If Applicable) 20. Substandard Rating 21. Flat Extra Amount Per Thousand 22. Duration of Flat Extra 23. XX Xxxxx (Yes or No) 24. Previous Policies (Yes or No) 25. Premiums SCHEDULE C, CONTINUED SAMPLE POLICY EXHIBIT SUMMARY (Life Reinsurance Only)

FACULTATIVE RATE LIMIT. The automatic life reinsurance rates in this Agreement can be used for facultative reinsurance up to the limits shown in the table below. If either limit would be exceeded, then the reinsurance rates shall will be mutually agreed upon. SCHEDULE B, Continued. a. The total individual in force inforce and applied for in all companies does not exceed $30,000,00025,000,000. b. The total amount reinsured with the Reinsurer for the subject life (or either life for joint policies) does not exceed the following: ------------------------------------------------------- Issue Age Std - Table For Single Life Policies ------------------------ ISSUE STANDARD TBL. 5 TBL. 9 XXX. 00 XXXX XXXX XXX. 0 XXXX XB. 8 Tables 9-THRU TBL. 12 Tables 13-THRU TBL. 16 ------------------------------------------------------- ------ ------------ ------------ ------------ ------------ 0-65 $17,000,000 $13,000,000 $10,000,000 ------------------------------------------------------- $ 19,500,000 $ 15,600,000 $ 15,600,000 $ 11,700,000 66-70 $ 19,500,000 $ 15,600,000 $ 7,800,000 0 71-75 17,000,000 6,000,000 3,000,000 ------------------------------------------------------- $ 19,500,000 $ 7,800,000 $ 7,800,000 0 76-80 8,000,000 0 0 ------------------------------------------------------- 81+ $ 9,750,000 0 0 0 ------------------------------------------------------- For joint Second-to-Die policies, the maximum amount in the table above shall will be determined by the life which produces the largest smallest amount. For policies where one Second To Die Policies ISSUE STANDARD TBL. 5 TBL. 9 XXX. 00 XXXX XXXX XXX. 0 XXXX TBL. 8 THRU XXX. 00 XXXX XXX. 00 ------ ------------ ------------ ------------ ------------ 0-65 $ 11,400,000 $ 9,120,000 $ 9,120,000 $ 6,840,000 66-70 $ 11,400,000 $ 9,120,000 $ 6,840,000 0 71-75 $ 11,400,000 $ 6,840,000 $ 4,560,000 0 76-80 $ 5,700,000 0 0 0 The maximum amount in the table above will be determined by the life is uninsurable, if which produces the healthier life is rated above Table 8, the Reinsurer can offer only its retention of $1,000,000, if availablesmallest amount. REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Nonsmoker REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Nonsmoker -------------------------------------------------------------------------------------------------------------------------------- Policy Year Issue ------------------------------------------------------------------------------------------------------------------ Attnd Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ult Age -------------------------------------------------------------------------------------------------------------------------------- 45 0.00 1.41 1.68 1.89 2.06 2.20 2.33 2.47 2.71 3.01 3.01 3.40 4.03 4.72 5.48 6.65 60 46 0.00 1.55 1.82 2.05 2.23 2.40 2.55 2.72 2.93 3.26 3.26 3.70 4.39 5.14 6.01 7.34 61 47 0.00 1.70 1.97 2.21 2.42 2.62 2.80 2.93 3.18 3.54 3.54 4.04 4.78 5.61 6.59 8.10 62 48 0.00 1.79 2.06 2.33 2.57 2.79 3.00 3.18 3.47 3.87 3.92 4.52 5.30 6.18 7.17 8.91 63 49 0.00 1.86 2.16 2.44 2.71 2.97 3.21 3.45 3.80 4.25 4.38 5.07 5.89 6.79 7.78 9.79 64 -------------------------------------------------------------------------------------------------------------------------------- 50 0.00 1.93 2.25 2.55 2.86 3.15 3.43 3.73 4.15 4.67 4.91 5.69 6.53 7.45 8.43 10.75 65 51 0.00 2.00 2.33 2.65 3.01 3.33 3.67 4.05 4.55 5.14 5.51 6.38 7.22 8.16 9.12 11.81 66 52 0.00 2.05 2.40 2.74 3.15 3.53 3.92 4.40 4.99 5.66 6.17 7.13 7.98 8.93 9.86 12.98 67 53 0.00 2.22 2.60 2.99 3.43 3.86 4.30 4.83 5.48 6.25 6.84 7.93 8.76 9.67 11.21 14.27 68 54 0.00 2.39 2.82 3.26 3.75 4.23 4.73 5.32 6.00 6.87 7.57 8.71 9.49 11.00 12.75 15.68 69 -------------------------------------------------------------------------------------------------------------------------------- 55 0.00 2.58 3.06 3.56 4.11 4.65 5.20 5.86 6.57 7.56 8.36 9.45 10.79 12.51 14.49 17.23 70 56 0.00 2.84 3.37 3.93 4.53 5.14 5.74 6.45 7.23 8.37 9.29 10.90 12.52 14.59 16.93 18.98 71 57 0.00 3.12 3.71 4.35 5.00 5.67 6.31 7.09 7.95 9.26 10.32 12.39 14.51 16.78 19.72 21.19 72 58 0.00 3.35 4.07 4.75 5.49 6.11 6.76 7.61 8.53 9.94 11.05 13.30 15.70 18.25 21.69 23.63 73 59 000 3.58 4.48 5.19 6.01 6.56 7.21 8.15 9.13 10.66 11.81 14.23 16.90 19.74 23.77 26.34 74 -------------------------------------------------------------------------------------------------------------------------------- 60 0.00 3.83 4.92 5.64 6.58 7.03 7.68 8.72 9.76 11.40 12.59 15.15 18.09 21.27 26.00 29.37 75 61 0.00 4.08 5.39 6.13 7.11 7.77 8.17 9.32 10.41 12.16 13.35 16.04 19.29 22.85 28.39 32.76 76 62 0.00 4.33 5.90 6.65 7.85 8.03 8.67 9.93 11.08 12.92 14.10 16.90 20.48 24.48 30.95 36.56 77 63 0.00 4.85 6.50 7.44 8.16 9.02 9.88 11.16 13.03 14.72 15.85 18.94 23.11 27.96 34.70 40.78 78 64 0.00 5.43 7.15 8.34 9.17 10.29 11.07 13.10 14.61 16.99 17.82 21.95 26.06 31.94 38.85 45.43 79 -------------------------------------------------------------------------------------------------------------------------------- 65 0.00 6.08 7.88 9.34 10.45 11.54 12.95 14.66 16.83 19.05 20.64 23.83 29.40 36.44 43.42 50.54 80 66 0.00 6.59 8.56 10.16 11.36 12.78 14.33 16.22 18.63 21.11 22.96 26.53 32.74 40.55 48.26 55.47 81 67 0.00 7.15 9.31 11.05 12.59 14.15 15.85 17.95 20.65 23.41 25.55 29.53 36.42 45.07 52.97 60.72 82 68 0.00 7.76 10.12 12.25 13.94 15.65 17.54 19.89 22.90 26.00 28.44 32.84 40.47 49.46 57.98 66.33 83 69 0.00 8.42 11.20 13.55 15.42 17.32 19.44 22.05 25.43 28.87 31.63 36.49 44.40 54.13 63.33 72.52 84 -------------------------------------------------------------------------------------------------------------------------------- 70 0.00 9.30 12.39 14.99 17.06 19.19 21.56 24.48 28.23 32.04 35.13 40.02 48.59 59.12 69.24 79.33 85 71 0.00 10.30 13.73 16.62 18.94 21.32 23.97 27.22 31.37 35.57 38.54 43.79 53.06 64.63 75.73 86.75 86 72 0.00 11.40 15.22 18.46 21.05 23.71 26.65 30.25 34.83 39.02 42.16 47.81 58.00 70.69 82.82 94.80 87 73 0.00 12.63 16.89 20.50 23.40 26.36 29.61 33.58 38.21 42.71 46.03 52.26 63.43 77.30 90.50 103.49 88 74 0.00 14.00 18.76 22.80 26.02 29.29 32.87 36.85 41.83 46.67 50.31 57.14 69.35 84.46 98.79 112.69 89 -------------------------------------------------------------------------------------------------------------------------------- 75 0.00 15.54 20.86 25.36 28.93 32.53 36.08 40.35 45.72 51.05 55.01 62.47 75.77 92.19 107.57 122.27 90 76 0.00 17.27 23.20 28.20 32.13 35.72 39.52 44.11 50.03 55.87 60.13 68.25 82.70 100.38 116.70 132.39 91 77 0.00 19.20 25.80 31.32 35.29 39.14 43.22 48.28 54.77 61.15 65.69 74.48 90.04 108.90 126.37 142.92 92 78 0.00 21.34 28.66 34.42 38.68 42.82 47.32 52.87 59.96 66.90 71.69 81.08 97.68 117.92 136.42 153.87 93 79 0.00 23.71 31.50 37.74 42.33 46.89 51.84 57.89 65.61 73.11 78.04 87.95 105.76 127.29 146.86 165.23 94 -------------------------------------------------------------------------------------------------------------------------------- 80 0.00 26.06 34.55 41.30 46.37 51.37 56.77 63.35 71.71 79.73 84.65 95.22 114.16 137.03 157.70 177.02 95 ---------------------------------------------------------------------------------------------------------------- 189.23 96 201.94 97 214.97 98 SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING 228.50 99 BY THE APPROPRIATE EXTRA MORTALITY FACTOR (25% PER TABLE) -------------- 242.49 100 FEMALE RATES: AGES 0 - 24 SAME AS MALE RATES 298.00 101 AGES 25 - 29 SAME AS MALE AGE 25 RATES 369.97 102 AGES 30 & OVER SAME AS MALE RATES 5 YEARS YOUNGER 490.17 103 660.94 104 -------------- 1000.00 105 -------------- REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Smoker 13 1. 15 1.16 1.20 1.23 1.27 1.32 1.39 1.47 1.47 1.47 1.47 1.61 1.77 1.92 40 26 0.00 1.12 1.14 1.17 1.19 1.23 1.28 1.34 1.42 1.51 1.51 1.51 1.54 1.71 1.88 2.08 41 27 0.00 1.11 1.14 1.16 1.19 1.25 1.31 1.38 1.45 1.57 1.57 1.57 1.64 1.83 2.03 2.26 42 28 0.00 1.12 1.16 1.18 1.22 1.29 1.35 1.43 1.53 1.63 1.63 1.63 1.76 1.98 2.22 2.47 43 29 0.00 1.13 1.18 1.22 1.28 1.34 1.42 1.51 1.60 1.71 1.71 1.71 1.92 2.18 2.45 2.73 44 ------------------------------------------------------------------------------------------------------------------------------------ 30 0.00 1.14 1.22 1.28 1.33 1.40 1.50 1.59 1.68 1.82 1.82 1.85 2.15 2.40 2.69 3.01 45 31 0.00 1.16 1.26 1.33 1.40 1.49 1.58 1.67 1.78 1.95 1.95 2.08 2.36 2.63 2.97 3.34 46 32 0.00 1.19 1.32 1.40 1.49 1.58 1.67 1.78 1.90 2.10 2.10 2.29 2.58 2.90 3.27 3.71 47 33 0.00 1.21 1.38 1.48 1.58 1.67 1.79 1.90 2.06 2.29 2.29 2.49 2.84 3.19 3.62 4.09 48 34 0.00 1.24 1.44 1.56 1.68 1.79 1.91 2.07 2.25 2.51 2.51 2.76 3.10 3.51 3.99 4.52 49 ------------------------------------------------------------------------------------------------------------------------------------ 35 0.00 1.28 1.52 1.66 1.80 1.92 2.09 2.26 2.46 2.72 2.72 3.01 3.39 3.85 4.38 4.96 50 36 0.00 1.34 1.62 1.80 1.94 2.13 2.32 2.52 2.72 3.03 3.03 3.31 3.74 4.24 4.80 5.39 51 37 0.00 1.42 1.74 1.95 2.16 2.36 2.58 2.78 3.04 3.33 3.33 3.65 4.13 4.64 5.25 5.86 52 38 0.00 1.50 1.85 2.09 2.31 2.52 2.76 2.99 3.27 3.61 3.61 3.99 4.52 5.10 5.74 6.35 53 39 0.00 1.59 1.99 2.25 2.48 2.72 2.98 3.23 3.53 3.89 3.89 4.34 4.94 5.59 6.26 6.88 54 ------------------------------------------------------------------------------------------------------------------------------------ 40 0.00 1.71 2.15 2.43 2.70 2.93 3.20 3.47 3.78 4.18 4.18 4.72 5.39 6.11 6.83 7.43 55 41 0.00 1.84 2.35 2.66 2.93 3.17 3.45 3.72 4.05 4.48 4.48 5.11 5.88 6.68 7.42 8.04 56 42 0.00 2.01 2.57 2.91 3.19 3.43 3.70 3.99 4.31 4.79 4.83 5.54 6.40 7.29 8.09 8.70 57 43 0.00 2.22 2.79 3.18 3.49 3.75 4.05 4.35 4.70 5.21 5.24 5.98 6.87 7.81 8.67 9.42 58 44 0.00 2.45 3.05 3.48 3.82 4.11 4.42 4.76 5.13 5.66 5.68 6.44 7.38 8.36 9.31 10.21 59 ------------------------------------------------------------------------------------------------------------------------------------ REINSURANCE RATES AFTER CONVERSION Annual Premiums per $1,000 Reinsured - Yearly Renewal Term Basis Age Nearest Birthday - Male Smoker ------------------------------------------------------------------------------------------------------------------------------------ Policy Year Issue ---------------------------------------------------------------------------------------------------------------------- Attnd Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ult Age ------------------------------------------------------------------------------------------------------------------------------------ 45 0.00 2.72 3.33 3.79 4.17 4.49 4.81 5.20 5.62 6.13 6.14 6.94 7.94 8.96 10.01 11.08 60 46 0.00 3.04 3.63 4.14 4.53 4.89 5.24 5.68 6.03 6.59 6.61 7.47 8.56 9.67 10.87 12.18 61 47 0.00 3.39 3.96 4.50 4.92 5.33 5.73 6.07 6.48 7.11 7.12 8.06 9.24 10.45 11.82 13.37 62 48 0.00 3.58 4.17 4.75 5.23 5.66 6.11 6.51 7.02 7.73 7.84 8.92 10.14 11.41 12.76 14.64 63 49 0.00 3.76 4.39 4.99 5.52 5.99 6.50 6.99 7.60 8.42 8.66 9.87 11.16 12.43 13.71 16.01 64 ------------------------------------------------------------------------------------------------------------------------------------ 5O 0.00 3.93 4.58 5.21 5.82 6.33 6.90 7.48 8.25 9.19 9.57 10.95 12.25 13.51 14.72 17.50 65 51 0.00 4.08 4.76 5.43 6.10 6.68 7.32 8.03 8.95 10.02 10.59 12.13 13.42 14.67 15.78 19.13 66 52 0.00 4.22 4.91 5.61 6.39 7.03 7.77 8.63 9.72 10.94 11.72 13.41 14.69 15.91 16.90 20.91 67 53 0.00 4.61 5.37 6.16 6.98 7.70 8.49 9.38 10.57 11.97 12.80 14.73 15.96 17.07 19.07 22.87 68 54 0.00 5.02 5.88 6.76 7.65 8.42 9.28 10.22 11.48 13.07 13.97 15.99 17.11 19.26 21.49 25.00 69 ------------------------------------------------------------------------------------------------------------------------------------ 55 0.00 5.50 6.43 7.43 8.38 9.23 10.16 11.13 12.44 14.25 15.23 17.12 19.29 21.71 24.22 27.31 70 56 0.00 6.01 7.05 8.19 9.21 10.16 11.15 12.12 13.46 15.46 16.54 19.29 21.79 24.56 27.46 29.84 71 57 0.00 6.58 7.74 9.02 10.13 11.15 12.20 13.18 14.55 16.76 17.97 21.45 24.60 27.42 31.06 32.52 72 58 0.00 7.02 8.49 9.83 11.09 11.93 12.97 13.97 15.35 17.62 18.82 22.50 25.91 28.98 33.19 35.40 73 59 0.00 7.47 9.33 10.69 12.11 12.74 13.75 14.78 16.16 18.50 19.68 23.53 27.19 30.47 35.41 38.54 74 ------------------------------------------------------------------------------------------------------------------------------------ 60 0.00 7.93 10.23 11.59 13.21 13.57 14.55 15.63 16.99 19.38 20.52 24.49 28.39 31.95 37.72 41.99 75 61 0.00 8.41 11.19 12.55 14.22 14.94 15.39 16.50 17.83 20.25 21.29 25.36 29.54 33.44 40.17 45.77 76 62 0.00 8.88 12.23 13.57 15.66 15.34 16.24 17.38 18.66 21.09 21.99 26.15 30.64 34.92 42.74 49.93 77 63 0.00 9.95 13.47 15.20 16.21 17.19 18.47 19.36 21.64 23.59 24.22 28.72 33.81 38.95 46.82 54.45 78 64 0.00 11.15 14.81 17.02 18.19 19.57 20.64 22.52 23.92 26.72 26.72 32.64 37.31 43.46 51.27 59.33 79 ------------------------------------------------------------------------------------------------------------------------------------ 65 0.00 12.50 16.33 19.06 20.74 21.91 24.10 24.98 27.16 29.40 30.28 34.73 41.21 48.47 56.07 64.56 80 66 0.00 13.53 17.69 20.66 22.48 24.18 26.54 27.49 29.89 32.38 33.43 38.38 45.53 53.50 61.82 70.03 81 67 0.00 14.66 19.18 22.40 24.82 26.64 29.22 30.25 32.92 35.68 36.94 42.39 50.25 58.98 67.28 75.75 82 68 0.00 15.89 20.78 24.73 27.35 29.33 32.17 33.32 36.28 39.34 40.79 46.78 55.38 64.17 73.01 81.76 83 69 0.00 17.21 22.94 27.25 30.11 32.29 35.44 36.72 40.01 43.37 45.01 51.55 60.26 69.64 79.06 88.34 84 ------------------------------------------------------------------------------------------------------------------------------------ 70 0.00 18.97 25.27 30.01 33.16 35.58 39.07 40.50 44.11 47.78 49.59 56.07 65.38 75.40 85.69 95.47 85 71 0.00 20.94 27.88 33.11 36.61 39.29 43.17 44.72 48.67 52.65 53.92 60.81 70.75 81.68 92.87 103.15 86 72 0.00 23.09 30.76 36.55 40.42 43.41 47.67 49.34 53.62 57.34 58.46 65.79 76.63 88.51 100.61 111.37 87 73 0.00 25.47 33.95 40.36 44.66 47.94 52.60 54.37 58.40 62.29 63.24 71.25 83.02 95.87 108.90 120.10 88 74 0.00 28.11 37.49 44.59 49.32 52.90 57.96 59.22 63.46 67.54 68.48 77.18 89.92 103.76 117.73 129.19 89 ------------------------------------------------------------------------------------------------------------------------------------ 75 0.00 31.04 41.43 49.26 54.44 58.31 63.16 64.37 68.83 73.32 74.17 83.58 97.30 112.16 126.96 138.46 90 76 0.00 34.41 45.90 54.53 60.18 63.72 68.84 70.03 74.93 79.84 80.52 90.66 105.44 121.25 136.74 148.08 91 77 0.00 38.13 50.83 60.29 65.79 69.48 74.91 76.27 81.63 86.94 87.33 98.23 113.97 130.58 146.97 157.89 92 78 0.00 42.24 56.22 65.93 71.76 75.63 81.60 83.10 88.90 94.61 94.62 106.17 122.73 140.34 157.49 167.88 93 79 0.00 46.74 61.51 71.94 78.13 82.41 88.92 90.53 96.78 102.87 102.87 114.32 131.89 150.37 168.28 178.05 94 ------------------------------------------------------------------------------------------------------------------------------------ 80 0.00 51.18 67.14 78.34 85.14 89.82 96.88 98.57 105.24 111.62 111.62 122.85 141.31 160.66 179.34 188.39 95 -------------------------------------------------------------------------------------------------------------------- 198.90 96 209.62 97 220.39 98 SUBSTANDARD EXTRA RATES ARE CALCULATED BY MULTIPLYING 231.37 99 BY THE APPROPRIATE EXTRA MORTALITY FACTOR (25% PER TABLE) -------------- 242.49 100 FEMALE RATES: AGES 0 - 24 SAME AS MALE RATES 298.00 101 AGES 25 - 29 SAME AS MALE AGE 25 RATES 369.97 102 AGES 30 & OVER SAME AS MALE RATES 5 YEARS YOUNGER 490.17 103 660.94 104 -------------- 1000.00 105 -------------- SCHEDULE C REPORTING INFORMATION INFORMATION ON RISKS REINSURED 1. Type of Transaction 2. Effective Date of Transaction 3. Automatic/Facultative Indicator 4. Policy Number 5. Full Name of Insured 6. Date of Birth 7. Sex 8. Smoker/Nonsmoker 9. Policy Plan Code 10. Insured's State of Residence 11. Issue Age 12. Issue Date 13. Duration from Original Policy Date 14. Face Amount Issued 15. Reinsured Amount (Initial Amount) 16. Reinsured Amount (Current Amount at Risk) 17. Change in Amount amount at Risk Since Last Report 18. Death Benefit Option (For Universal Life Type Plans) 19. ADB Amount (If Applicable) 20. Substandard Rating 21. Flat Extra Amount Per Thousand 22. Duration of Flat Extra 23. XX Xxxxx PW Rider (Yes or No) 24. Previous Policies (Yes or No) 25. Premiums SCHEDULE C, CONTINUED SAMPLE POLICY EXHIBIT SUMMARY (Life Reinsurance Only)ACCOUNTING SUMMARY