Common use of FLAT EXTRA PREMIUMS Clause in Contracts

FLAT EXTRA PREMIUMS. The flat extra premium will be the annual flat premium which the Ceding Company charges the policy owner on that amount of insurance reinsured less the following allowances on all products: DURATION OF FLAT EXTRA FIRST YEAR YEARS 2 + ----------------------------------------------------------- 5 Years or less 10% 10% More than 5 Years 100% 10%

FLAT EXTRA PREMIUMS. The flat extra premium will be the annual flat extra premium which the Ceding Company charges the policy owner you charge your insured on that amount of the insurance reinsured less the following allowances on all products: DURATION (expressed as a percentage of reinsurance premiums): TERMS OF YOUR FLAT EXTRA FIRST PREMIUM YEAR 1 YEARS 2 2+ ----------------------------------------------------------- ------------------ ------ -------- 0-5 Years or less 10YEARS __% 10__% More than 5 Years 1006+ YEARS __% 10%__% SVUL / SUL Reinsurance Agreement

FLAT EXTRA PREMIUMS. The flat extra premium will be the annual flat premium which the Ceding Company charges the policy owner on that amount of insurance reinsured less the following allowances on all products: DURATION OF FLAT EXTRA FIRST YEAR YEARS Duration of Flat Extra First Year Years 2 + ----------------------------------------------------------- ---------------------- ----------- --------- 5 Years or less 10% 10% More than 5 Years 10085% 10%

FLAT EXTRA PREMIUMS. The flat extra premium will be the annual flat premium which the Ceding Company charges the policy owner on that amount of insurance reinsured less the following allowances on all products: DURATION OF FLAT EXTRA FIRST YEAR YEARS 2 + ----------------------------------------------------------- ---------------------- ---------- --------- 5 Years or less 10% 10% More than 5 Years 10085% 10%