Common use of First Layer Amount Clause in Contracts

First Layer Amount. For any policy to be reinsured under automatic reinsurance, the amounts subject to reinsurance are the First Layer of Coverage amounts shown in the following tables. First Layer amounts do not vary by smoker status. For policies with both (1) an application signed prior to February 11, 2013 and (2) an issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – 65 $50,000,000 $35,000,000 66 – 70 $40,000,000 $25,000,000 71 – 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – 70 $20,000,000 $15,000,000 None 71 – 75 $15,000,000 $10,000,000 None 76 – 90 None None None For policies that do not meet at least one of the following criteria: (1) application signed prior to February 11, 2013 and (2) issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – 65 $65,000,000 $35,000,000 66 – 70 $40,000,000 $25,000,000 71 – 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – 70 $20,000,000 $15,000,000 None 71 – 75 $15,000,000 $10,000,000 None 76 – 90 None None None [REDACTED] YRT-VUL 2008/PPVUL -2008-SGL(US)-PICA-3

First Layer Amount. For any policy to be reinsured under automatic reinsurance, the amounts subject to reinsurance are the First Layer of Coverage amounts shown in the following tables. First Layer amounts do not vary by smoker status. For policies with both (1) an application signed prior to February 11, 2013 and (2) an issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Residents Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – - 65 $50,000,000 $35,000,000 66 – - 70 $40,000,000 $25,000,000 71 – - 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Residents Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – - 70 $20,000,000 $15,000,000 None 71 – - 75 $15,000,000 $10,000,000 None 76 – 90 None None None For policies that do not meet at least one of the following criteria: (1) application signed prior to February 11, 2013 and (2) issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Residents Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – - 65 $65,000,000 $35,000,000 66 – - 70 $40,000,000 $25,000,000 71 – - 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Residents Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – - 70 $20,000,000 $15,000,000 None 71 – - 75 $15,000,000 $10,000,000 None 76 – 90 None None None [REDACTED] YRT-VUL 2008/PPVUL -2008PPVUL-2008-SGL(US)-PICA-3MXXX-XXXX-3 (MXXX Treaty No. 3747)

First Layer Amount. For any policy to be reinsured under automatic reinsurance, the amounts subject to reinsurance are the First Layer of Coverage amounts shown in the following tables. First Layer amounts do not vary by smoker status. For policies with both (1) an application signed prior to February 11, 2013 and (2) an issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – 65 $50,000,000 $35,000,000 66 – 70 $40,000,000 $25,000,000 71 – 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – 70 $20,000,000 $15,000,000 None 71 – 75 $15,000,000 $10,000,000 None 76 – 90 None None None For policies that do not meet at least one of the following criteria: (1) application signed prior to February 11, 2013 and (2) issue date on or before August 12, 2013 (i.e. approved by underwriter and sent to producer for delivery): US/Canadian Residents: Issue Age No Substandard Rating – Rating Class D Rating Class E – H 0 – 65 $65,000,000 $35,000,000 66 – 70 $40,000,000 $25,000,000 71 – 75 $35,000,000 $15,000,000 76 – 77 $15,000,000 $10,000,000 78 – 80 $10,000,000 $5,000,000 81 – 85 $5,000,000 None 86 – 90 $1,500,000 None Non US/Canadian Residents: Issue Age No Substandard Rating – Rating Class C Rating Class D – E Rating Class F – H 0 – 70 $20,000,000 $15,000,000 None 71 – 75 $15,000,000 $10,000,000 None 76 – 90 None None None [REDACTED] YRT-VUL 2008/PPVUL -2008-SGL(US)-PICA-3]