Common use of INTERNATIONAL RISKS Clause in Contracts

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its 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. IDSL-NY VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its 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. IDSL-NY IDSL VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its international client guidelines. This Agreement will not extend to policies issued pursuant to such any material changes unless the Reinsurer has consented in writing to accept policies subject to such changes. IDSL-NY VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its 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. IDSL-NY VUL4/LP Select Treaty B-3 EXHIBIT C FORMS., MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its international client guidelines. This Agreement will not extend to policies issued pursuant to such any material changes unless the Reinsurer has consented in writing to accept policies subject to such changes. IDSL-NY IDSL VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s company]s' Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its 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. IDSL-NY IDSL VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES

INTERNATIONAL RISKS. The Ceding Company may cede reinsurance automatically on international clients who (1) meet the financial and medical criteria listed in the Ceding Company's "Guidelines for Underwriting International Clients", (2) are standard or preferred based on [name of reinsurance company]'s Foreign Risk Guidelines for individual countries, and (3) are between the ages of 18 and 70, inclusively, at point of issue. If an international client meets the Ceding Company's medical and financial criteria, but requires a flat extra based on [name of reinsurance company]'s Foreign Risk Guidelines, the Ceding Company may cede the risk automatically only after consultation with a member of [name of reinsurance company]'s International Underwriting Team. The consultation must be documented in the underwriting file. If an international client does not meet the Ceding Company's medical or financial criteria or requires individual consideration under [name of reinsurance company]'s Foreign Risk Guidelines, reinsurance may not be ceded automatically. The Ceding Company will promptly notify the Reinsurer of any proposed material changes in its 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. IDSL-NY VUL4/LP Select Treaty B-3 EXHIBIT C FORMS, MANUALS, AND ISSUE RULES