Common use of Guideline Premium Test Clause in Contracts

Guideline Premium Test. If this test applies to your Policy, the Minimum Death Benefit will be no less than the Accumulated Value multiplied by the Death Benefit Percentage for the Age of the younger Insured as shown in the following table. Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage 0-40 250% 50 185% 60 130% 70 115% ICC13 P13MS3 Page 17 41 243 51 178 61 128 71 113 42 236 52 171 62 126 72 111 43 229 53 164 63 124 73 109 44 222 54 157 64 122 74 107 45 215 55 150 60 000 00-00 105 46 209 56 146 66 119 91 104 47 203 57 142 67 118 92 103 48 197 58 138 68 117 93 102 49 191 59 134 69 116 Over 93 101

Guideline Premium Test. If this test applies to your Policy, the Minimum Death Benefit will be no less than the Accumulated Value multiplied by the Death Benefit Percentage for the Age of the younger Insured as shown in the following table. Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage 0-40 250% 50 185% 60 130% 70 115% ICC13 P13MS3 Page 17 41 243 51 178 61 128 71 113 42 236 52 171 62 126 72 111 43 229 53 164 63 124 73 109 44 222 54 157 64 122 74 107 45 215 55 150 60 000 00-00 105 ICC13 P13SVE Page 11 46 209 56 146 66 119 91 104 47 203 57 142 67 118 92 103 48 197 58 138 68 117 93 102 49 191 59 134 69 116 Over 93 101

Guideline Premium Test. If this test applies to your Policy, the Minimum Death Benefit will be no less than the Accumulated Value multiplied by the Death Benefit Percentage for the Age of the younger Insured as shown in the following table. Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage 0-40 250% 50 185% 60 130% 70 115% ICC13 P13MS3 P13SVL Page 17 25 41 243 51 178 61 128 71 113 42 236 52 171 62 126 72 111 43 229 53 164 63 124 73 109 44 222 54 157 64 122 74 107 45 215 55 150 60 000 00-00 105 46 209 56 146 66 119 91 104 47 203 57 142 67 118 92 103 48 197 58 138 68 117 93 102 49 191 59 134 69 116 Over 93 101

Guideline Premium Test. If this test applies to your Policy, the Minimum Death Benefit will be no less than the Accumulated Value multiplied by the Death Benefit Percentage for the Age of the younger Insured as shown in the following table. Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage Age Death Benefit Percentage 0-40 250% 50 185% 60 130% 70 115% ICC13 P13MS3 Page 17 41 243 51 178 61 128 71 113 42 236 52 171 62 126 72 111 43 229 53 164 63 124 73 109 44 222 54 157 64 122 74 107 45 215 55 150 60 00 000 00-00 105 46 209 56 146 66 119 91 104 47 203 57 142 67 118 92 103 48 197 58 138 68 117 93 102 49 191 59 134 69 116 Over 93 101