Common use of FLAT EXTRA ALLOWANCES Clause in Contracts

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years [Redacted] [Redacted] Single Life Excess Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business -- NOT LS, Custom Term, & Stag UL+) Effective November 1, 2002 RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] JUMBO LIMIT [Redacted] Single Life Excess Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using Multi-class Rate Tables: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using Uni-class Rate Tables: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life Excess Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to the AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC BUSINESS EFFECTIVE DECEMBER 1, 2002 between HARTFORD LIFE INSURANCE COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI (hereinafter called the "Reinsurer") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra DURATION OF FLAT EXTRA FIRST YEAR RENEWAL YEARS ------------------------------------------------------------------ Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years [Redacted] [Redacted] Fac for Single Life Excess Pool Between HLIC HLAIC and RGA Canada Life Effective 11/01/2002 Fac / 12/01/2002 Auto 4/01/2003 EXHIBIT II SINGLE LIFE RETENTION, BINDING, RETENTION AND TOTAL POOL ISSUE JUMBO LIMITS (Applicable to Total Pool for Single Life Pool Business -- NOT LS, Custom Term, & Stag UL+) Effective November 1, 2002 RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] JUMBO LIMIT [Redacted] Fac for Single Life Excess Pool Between HLIC HLAIC and RGA Canada Life Effective 11/01/2002 Fac / 12/01/2002 Auto 4/01/2003 EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using MultiPRODUCTS USING MULTI-class Rate TablesCLASS RATE TABLES: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Stag Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using UniPRODUCTS USING UNI-class Rate TablesCLASS RATE TABLES: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Fac for Single Life Excess Pool Between HLIC HLAIC and RGA Canada Life Effective 11/01/2002 Fac / 12/01/2002 Auto 4/01/2003 SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Monthly Deduction Amount Age Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to EXHIBIT IV SAMPLE ADMINISTRATIVE REPORTS BILLING STATEMENT SAMPLE POLICY DETAIL REPORT For Each Policy show: - Hartford Life Treaty Number - Issue Date - Name - Sex - Birth Date - Issue Age - Smoker/NonSmoker - State of Residence - Current Plan - Face Amount - Ceded Face Amount - Ceded Net Amount at Risk - Rating Table - Net YRT Premium - First Year/Renewal Indicator - Bill Date Fac for Single Life Excess Pool Between HLAIC and Canada Life Effective 4/01/2003 EXHIBIT IV SAMPLE ADMINISTRATIVE REPORTS Quarterly Reinsurance Reserve Summary Ceded to: [Redacted] For Period of: Hartford Life Treaty Number: CURRENT NET AMOUNT AT RISK RESERVES -------------------------------------------------------------------------- Basic [Redacted] [Redacted] Substandard Total Fac for Single Life Excess Pool Between HLAIC and Canada Life Effective 4/01/2003 EXHIBIT IV SAMPLE ADMINISTRATIVE REPORTS MONTHLY REINSURANCE POLICY EXHIBIT CEDED TO: For the AUTOMATIC AND period of: Hartford Life Treaty Number: Current Period: NUMBER OF POLICIES CURRENT NET AMOUNT AT RISK -------------------------------------------------------------------------- In force Beg of Period [Redacted] [Redacted] Increases New Business Reinstatement Other Increases Decreases: Not Takens Lapses Recaptures Claims Other Decreases In force End of Period Fac for Single Life Excess Pool Between HLAIC and Canada Life Effective 4/01/2003 TERMINATION ADDENDUM EFFECTIVE OCTOBER 31, 2005 TO THE FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER APRIL 1, 2002 AUTOMATIC BUSINESS EFFECTIVE DECEMBER 1, 2002 between 2003 BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI AND THE CANADA LIFE ASSURANCE COMPANY (hereinafter called the "ReinsurerREINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra DURATION OF FLAT EXTRA FIRST YEAR RENEWAL YEARS ------------------------------------------------------------------ Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years FIRST YEAR RENEWAL YEARS ------------------------------------------ [Redacted] [Redacted] Single Life Excess Enhanced Standard Pool Between HLIC HLAIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto 24 EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business -- NOT LS, Custom Term, & Stag UL+) Effective November SINGLE LIFE ENHANCED STANDARD PROGRAM EFFECTIVE DECEMBER 1, 2002 TOTAL POOL LIMITS The Ceding Company will retain [Redacted] of each policy up to the below maximum retention limits: RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] DEFINITION: JUMBO LIMIT [Redacted] Single Life Excess Enhanced Standard Pool Between HLIC HLAIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using MultiPRODUCTS USING MULTI-class Rate TablesCLASS RATE TABLES: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Stag Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using Uni-class Rate Tables: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life Excess Enhanced Standard Pool Between HLIC HLAIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to the AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM 1 EFFECTIVE FEBRUARY 1, 2003 TO THE REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC BUSINESS EFFECTIVE DECEMBER 1, 2002 between BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and AND RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI COMPANY (hereinafter called the "ReinsurerREINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra DURATION OF FLAT EXTRA FIRST YEAR RENEWAL YEARS ------------------------------------------------------------------ Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years FIRST YEAR RENEWAL YEARS [Redacted] [Redacted] Single Life Excess Pool -- Amendment 6 Between HLIC HLAIC and RGA Effective 11/01/2002 Fac / Facultative 12/01/2002 Auto EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business -- NOT LS, Custom Term, & Stag UL+) Effective November 1, 2002 RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] JUMBO LIMIT [Redacted] Single Life Excess Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto Automatic EXHIBIT III EFFECTIVE JULY 01, 2005 Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using MultiPRODUCTS USING MULTI-class Rate TablesCLASS RATE TABLES: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Stag Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using UniStag Universal Life Plus Stag Universal Life Cash Value PRODUCTS USING UNI-class Rate TablesCLASS RATE TABLES: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life Excess Pool -- Amendment 6 Between HLIC HLAIC and RGA Effective 11/01/2002 Fac / Facultative 12/01/2002 Auto Automatic SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to the 7 EFFECTIVE JANUARY 18, 2005 TO THE AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC FOR FACULTATIVE BUSINESS EFFECTIVE DECEMBER 1, 2002 between FOR AUTOMATIC BUSINESS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and AND RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI COMPANY (hereinafter called the "ReinsurerREINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra [Redacted] Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years [Redacted] [Redacted] Single Life Excess Enhanced Standard Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business -- NOT LS, Custom Term, & Stag UL+) Effective November SINGLE LIFE ENHANCED STANDARD PROGRAM EFFECTIVE DECEMBER 1, 2002 TOTAL POOL LIMITS The Ceding Company will retain [Redacted] of each policy up to the below maximum retention limits: RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] DEFINITION: JUMBO LIMIT [Redacted] Single Life Excess Enhanced Standard Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using MultiPRODUCTS USING MULTI-class Rate TablesCLASS RATE TABLES: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Stag Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using Uni-class Rate Tables: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life Excess Enhanced Standard Pool Between HLIC and RGA Effective 11/01/2002 Fac / 12/01/2002 Auto SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to the AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM 1 EFFECTIVE FEBRUARY 1, 2003 TO THE REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC BUSINESS EFFECTIVE DECEMBER 1, 2002 between BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and AND RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI COMPANY (hereinafter called the "ReinsurerREINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra DURATION OF FLAT EXTRA FIRST YEAR RENEWAL YEARS -------------------------------------------------------------- Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our The Ceding Company's retention on both types of waivers is proportional to our the Ceding Company's retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years FIRST YEAR RENEWAL YEARS ------------------------------------ [Redacted] [Redacted] Single Life SL Excess Pool -- Amendment 7 Between HLIC and RGA TFLIC Effective 11/01/2002 Fac / 12/01/2002 Auto 03/18/2005 3190-14 A7 11 EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business APPLICABLE TO TOTAL POOL FOR SINGLE LIFE POOL BUSINESS -- NOT LS, Custom TermCUSTOM TERM, & Stag STAG UL+) Effective November 1EFFECTIVE MARCH 18, 2002 2005 RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] JUMBO LIMIT [Redacted] Single Life SL Excess Pool -- Amendment 7 Between HLIC and RGA TFLIC Effective 11/01/2002 Fac / 12/01/2002 Auto 03/18/2005 3190-14 A7 EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for AutomaticII SINGLE LIFE RETENTION, Facultative ObligatoryBINDING, and Facultative policies. Products Using Multi-class Rate Tables: AND TOTAL POOL ISSUE LIMITS (APPLICABLE TO TOTAL POOL FOR SINGLE LIFE POOL BUSINESS -- NOT LS, CUSTOM TERM, & STAG UL+) EFFECTIVE MARCH 18, 2005 [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using Uni-class Rate Tables: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life SL Excess Pool -- Amendment 7 Between HLIC and RGA TFLIC Effective 11/01/2002 Fac / 12/01/2002 Auto SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] 03/18/2005 3190-14 A7 13 EXHIBIT IV UNDERWRITING GUIDELINES EFFECTIVE MARCH 18, 2005 [Redacted] AMENDMENT to the 8 EFFECTIVE JULY 01, 2005 TO THE AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC FOR FACULTATIVE BUSINESS EFFECTIVE DECEMBER 1, 2002 between FOR AUTOMATIC BUSINESS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI AND TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY (hereinafter called the "ReinsurerREINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)

FLAT EXTRA ALLOWANCES. The flat extra premium paid to the Reinsurer will be the annual flat extra rate which the Ceding Company charges the insured less the allowances below times the Reinsured Net Amount at Risk. Duration of Flat First Year Renewal Years Extra DURATION OF FLAT EXTRA FIRST YEAR RENEWAL YEARS ------------------------------------------------------------------------------- Less than 5 years [Redacted] [Redacted] 5 years or more 4. RIDERS Riders Term riders, cost of living riders, and other riders providing additional or increasing coverage will use the same methods and YRT rates as the base plan. Waiver of premium rates are attached and are per dollar of annualized amount. Deduction amount waiver rates (also called "waiver of monthly deductions") are attached, and the charge for this benefit is a rate times the monthly deduction amount. Our retention on both types of waivers is proportional to our retention on the death benefit. . For both the Waiver of Premium and Waiver of Monthly Deduction, the reinsurance premium will be net of the following allowances: First Year Renewal Years [Redacted] [Redacted] Single Life Excess Pool Between HLIC and RGA Munich Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT II SINGLE LIFE RETENTION, BINDING, AND TOTAL POOL ISSUE LIMITS (Applicable to Total Pool for Single Life Pool Business APPLICABLE TO TOTAL POOL FOR SINGLE LIFE POOL BUSINESS -- NOT LS, Custom TermCUSTOM TERM, & Stag STAG UL+) Effective November EFFECTIVE NOVEMBER 1, 2002 RETENTION LIMIT [Redacted] AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] AUTOMATIC PROCESSING LIMIT (INCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC BINDING LIMIT (EXCLUDES RETENTION) [Redacted] FACULTATIVE OBLIGATORY AUTOMATIC ISSUE LIMIT (INCLUDES RETENTION) [Redacted] JUMBO LIMIT [Redacted] Single Life Excess Pool Between HLIC and RGA Munich Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT III Annual per 1000 Yearly Renewable Term reinsurance rates are attached. These rates are used for Automatic, Facultative Obligatory, and Facultative policies. Products Using MultiPRODUCTS USING MULTI-class Rate TablesCLASS RATE TABLES: [Redacted] Stag Protector Variable Universal Life Stag Accumulator Variable Universal Life Stag Universal Life Whole Life with Current Interest Life Insurance Policy Hartford Stag Wall Street Variable Universal Life Products Using UniPRODUCTS USING UNI-class Rate TablesCLASS RATE TABLES: [Redacted] LBSI UL Life Solutions I UL Life Solutions II UL 20 Year Term ART (CW) 5 & 10 Year Term (NY) SPVL One Year Term Single Life Excess Pool Between HLIC and RGA Munich Effective 11/01/2002 Fac / 12/01/2002 Auto SINGLE LIFE 2002 MULTICLASS ANNUAL YRT PER 1000 REINSURANCE RATES [Redacted] Monthly Per 1000 Waiver of Specified Amount Male Female Unisex [Redacted] [Redacted] [Redacted] AMENDMENT to the AUTOMATIC ADDENDUM TO THOSE REINSURANCE AGREEMENTS LISTED IN THE ATTACHED SCHEDULE 1 (REFERRED TO INDIVIDUALLY AS "THE AGREEMENT" AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT FACULTATIVE BUSINESS EFFECTIVE NOVEMBER 1, 2002 AUTOMATIC BUSINESS EFFECTIVE DECEMBER 1, 2002 between COLLECTIVELY AS "THE AGREEMENTS") BETWEEN HARTFORD LIFE INSURANCE COMPANY HARTFORD LIFE AND ANNUITY INSURANCE COMPANY HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY ("THE CEDING COMPANY, HARTFORD, CONNECTICUT (hereinafter called the "Ceding Company") and RGA REINSURANCE COMPANY, CHESTERFIELD, MISSOURI AND MUNICH AMERICAN REASSURANCE COMPANY (hereinafter called the "ReinsurerTHE REINSURER") THIS AMENDMENT IS EFFECTIVE JANUARY 1, 2006)