Common use of INTERNATIONAL CLIENTS Clause in Contracts

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients" and are standard or preferred based on RGA's Foreign Risk Guidelines for individual countries. If an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA's Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA International Team underwriter. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's financial or medical criteria or requires individual consideration under RGA's Foreign Risk Guidelines, reinsurance may not be ceded automatically. IDSL Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL Succession Select Treaty EXHIBIT D REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] per [dollar amount] of reinsured risk amount in years 2+. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + -------------------------------------------------------- 2 Preferred [percentage] -------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- Preferred, Tobacco [percentage] -------------------------------------------------------- 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------- SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- 2 Preferred [percentage] ------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- Preferred, Tobacco [percentage] ------------------------------------------------------- 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients" and are standard or preferred based on RGA[name of reinsurance company]'s Foreign Risk Guidelines for individual countries. If an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA[name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA [name of reinsurance company] International Team underwriter. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's financial or medical criteria or requires individual consideration under RGA[name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. IDSL IDS Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL IDS Succession Select Treaty EXHIBIT D REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] $0.12 per [dollar amount] $ 1,000 of reinsured risk amount in years 22 +. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + -------------------------------------------------------- ------------------------------------------------------ 2 Preferred [percentage] -------------------------------------------------------- ------------------------------------------------------ Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------ Preferred, Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------ 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------ Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------ 2 Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------ SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- ------------------------------------------------------ 2 Preferred [percentage] ------------------------------------------------------- ------------------------------------------------------ Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------ Preferred, Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------ 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------ Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------ 2 Tobacco [percentage] -------------------------------------------------------------------------------------------------------------

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients" and are standard or preferred based on RGA[name of reinsurance company]'s Foreign Risk Guidelines for individual countries. If an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA[name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA [name of reinsurance company] International Team underwriter. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's financial or medical criteria or requires individual consideration under RGA[name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. IDSL IDSL-NY Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL IDSL-NY Succession Select Treaty EXHIBIT D REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] per [dollar amount] of reinsured risk amount in years 2+. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + -------------------------------------------------------- ------------------------------------------------------------------- 2 Preferred [percentage] -------------------------------------------------------- ------------------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------------------- Preferred, Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------------------- 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------- ------------------------------------------------------------------- SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- ------------------------------------------------------------------- 2 Preferred [percentage] ------------------------------------------------------- ------------------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------------------- Preferred, Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------------------- 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- ------------------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------------------------------------------------------------------------- D.2 AGE BASIS Age Last Birthday IDSL-NY Succession Select Treaty D.3 POLICY FEES The Reinsurer will not participate in any policy fees.

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International ClientsClients and Foreign Travel (`International Risk Guidelines')," if their country of origin and are standard or preferred based on RGA's Foreign citizenship has been agreed for automatic reinsurance and is shown in the International Risk Guidelines for individual countries. If as an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA's Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA International Team underwriter. The consultation must be documented in the underwriting file`A' or `B' location. If an international client does not meet the Ceding Company's financial or medical criteria criteria, requires a flat extra or requires individual consideration under RGAthe Ceding Company's Foreign International Risk Guidelines, or if the country of origin or citizenship is not an agreed `A' or `B' location, then reinsurance may will not be ceded automatically. IDSL Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting international client guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL Succession Select Treaty EXHIBIT D (Revised January 1, 2005) REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] $0.12 per [dollar amount] $1,000 of reinsured risk amount in years 22 +. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year -------------------------------------------------------------------- Years 2 -15 Years 16 + -------------------------------------------------------- -------------------------------------------------------------------- 2 Preferred [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- Preferred, Tobacco [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------- [percentage] -------------------------------------------------------------------- SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- ----------------------------------------------------------- 2 Preferred [percentage] ------------------------------------------------------- ----------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- ----------------------------------------------------------- Preferred, Tobacco [percentage] ------------------------------------------------------- ----------------------------------------------------------- 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- ----------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- ----------------------------------------------------------- 2 Tobacco [percentage] ------------------------------------------------------------------------------------------------------------------ D.2 AGE BASIS Age Last Birthday D.3 POLICY FEES The Reinsurer will not participate in any policy fees.

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients" and are standard or preferred based on RGA[name of reinsurance company]'s Foreign Risk Guidelines for individual countries. If an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA[name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA [name of reinsurance company] International Team underwriter. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's financial or medical criteria or requires individual consideration under RGA[name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. IDSL IDSL-NY Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL IDSL-NY Succession Select Treaty EXHIBIT D REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] per [dollar amount] of reinsured risk amount in years 2+. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + -------------------------------------------------------- 2 Preferred [percentage] -------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- Preferred, Tobacco [percentage] -------------------------------------------------------- 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------- SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- 2 Preferred [percentage] ------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- Preferred, Tobacco [percentage] ------------------------------------------------------- 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------

INTERNATIONAL CLIENTS. The Ceding Company may cede reinsurance automatically on international clients who meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients" and are standard or preferred based on RGA[name of reinsurance company]'s Foreign Risk Guidelines for individual countries. If an international client meets the Ceding Company's financial and medical criteria, but requires a flat extra based on RGA[name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede reinsurance automatically only after consultation with an RGA [name of reinsurance company] International Team underwriter. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's financial or medical criteria or requires individual consideration under RGA[name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. IDSL IDSL-NY Succession Select Treaty EXHIBIT C FORMS, MANUALS, AND ISSUE RULES C.1 The Ceding Company affirms that its retention schedule, underwriting guidelines, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date, have been supplied to the Reinsurer. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its underwriting guidelines. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Ceding Company's responsibility to ensure that its practice and applicable forms are in compliance with current Medical Information Bureau (MIB) guidelines. IDSL IDSL-NY Succession Select Treaty EXHIBIT D REINSURANCE PREMIUMS D.1 LIFE a) Plans covered under this Agreement will be reinsured on a YRT basis. YRT reinsurance premiums for the Base Plan, Survivor Term Rider, and Four-Year Term Rider will be frasierized joint premiums based on the individual ALB Annual Cost of Insurance (COI) rates, attached to this Exhibit D, less allowances. After allowances are applied, YRT reinsurance premiums are subject to a minimum rate of [dollar amount] per [dollar amount] of reinsured risk amount in years 22 +. SUCCESSION SELECT REINSURANCE ALLOWANCES FOR BASE PLAN AND SURVIVOR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + -------------------------------------------------------- --------------------------------------------------------- 2 Preferred [percentage] -------------------------------------------------------- --------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] -------------------------------------------------------- --------------------------------------------------------- Preferred, Tobacco [percentage] -------------------------------------------------------- --------------------------------------------------------- 2 Standard Non-Tobacco [percentage] -------------------------------------------------------- --------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] -------------------------------------------------------- --------------------------------------------------------- 2 Tobacco [percentage] -------------------------------------------------------- --------------------------------------------------------- SUCCESSION REINSURANCE ALLOWANCES FOR FOUR-YEAR TERM RIDER (YEAR 1 ALLOWANCE IS ALWAYS 100%) Year 2 + ------------------------------------------------------- --------------------------------------------------------- 2 Preferred [percentage] ------------------------------------------------------- --------------------------------------------------------- Preferred, Standard Non-Tobacco [percentage] ------------------------------------------------------- --------------------------------------------------------- Preferred, Tobacco [percentage] ------------------------------------------------------- --------------------------------------------------------- 2 Standard Non-Tobacco [percentage] ------------------------------------------------------- --------------------------------------------------------- Standard Non-Tobacco, Tobacco [percentage] ------------------------------------------------------- --------------------------------------------------------- 2 Tobacco [percentage] ---------------------------------------------------------------------------------------------------------------- D.2 AGE BASIS Age Last Birthday IDSL-NY Succession Select Treaty D.3 POLICY FEES The Reinsurer will not participate in any policy fees.