Common use of JUMBO LIMITS Clause in Contracts

JUMBO LIMITS. The ceding company shall not cede automatically to The Guardian any risk on an individual life if the all company amount of Life Insurance in force plus the amount applied for exceeds the following: Ages Preferred-Class 4 Class 5 - 16 ---- ----------------- ------------ 0-15 $10,000,000 $ 5,000,000 16-70 15,000,000 10,000,000 71-75 10,000,000 2,750,000 Over 75 2,750,000 2,750,000 EXHIBIT D PREMIUM RATES [information has been redacted as confidential] EXHIBIT E TEN YEAR SELECT NON REFUND RISK PREMIUM REINSURANCE (RPR) PROGRAM USE OF THE RATE SCHEDULE FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT NRN-6514-1 AGE NEAREST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER / NONSMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, Swiss Re America's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 20 to 23 Use Rates for Males Age 20 Ages 24 and Older Use Rates for Males 4 Years Younger SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, Nonsmoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D (200%) the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the tenth policy anniversary. NR-6514-2 SWISS RE LIFE COMPANY AMERICA XXX XXXXXX XXXXXX XXXXXABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY POLICY YEAR 5 0.85 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 15 6 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 16 7 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 17 8 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 18 9 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 1.24 19

JUMBO LIMITS. The ceding company shall not cede automatically to The Guardian any risk on an individual life if the all company amount of Life Insurance in force plus the amount applied for exceeds the following: Ages Preferred-Class 4 Class 5 - 16 ---- ----------------- ------------ 0-15 $10,000,000 $ 5,000,000 16-70 15,000,000 10,000,000 71-75 10,000,000 2,750,000 Over 75 2,750,000 2,750,000 EXHIBIT D PREMIUM RATES [information has been redacted as confidential] EXHIBIT E TEN YEAR SELECT NON REFUND RISK PREMIUM REINSURANCE (RPR) PROGRAM USE OF THE RATE SCHEDULE FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. Swiss Re Life Company America 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT NRN-6514-1 AGE NEAREST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER / NONSMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, Swiss Re America's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 20 to 23 Use Rates for Males Age 20 Ages 24 and Older Use Rates for Males 4 Years Younger SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, Nonsmoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D (200%) the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the tenth policy anniversary. NR-6514-2 SWISS RE LIFE COMPANY AMERICA XXX XXXXXX XXXXXX XXXXXABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY POLICY YEAR 5 0.85 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 15 6 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 16 7 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 17 8 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 18 9 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 1.24 19

JUMBO LIMITS. The ceding company shall not cede automatically to The Guardian any risk on an individual life if the all company amount of Life Insurance in force plus the amount applied for exceeds the following: Ages Preferred-Class 4 Class 5 - 16 ---- ----------------- ------------ 0-15 $10,000,000 $ 5,000,000 16-70 15,000,000 10,000,000 71-75 10,000,000 2,750,000 Over 75 2,750,000 2,750,000 EXHIBIT D PREMIUM RATES [information has been redacted as confidential] EXHIBIT E TEN YEAR SELECT NON REFUND RISK PREMIUM REINSURANCE (RPR) PROGRAM USE OF THE RATE SCHEDULE FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. Swiss Re Life Company America 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT NRN-6514-1 AGE NEAREST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER / NONSMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, Swiss Re America's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 20 to 23 Use Rates for Males Age 20 Ages 24 and Older Use Rates for Males 4 Years Younger SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, Nonsmoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D (200%) the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the tenth policy anniversary. NR-6514-2 SWISS RE LIFE COMPANY AMERICA AMXXXXX XXX XXXXXX XXXXXX XXXXXABLE RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY POLICY YEAR 5 0.85 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 15 6 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 16 7 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 17 8 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 18 9 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 1.24 19

JUMBO LIMITS. The ceding company shall not cede automatically to The Guardian any risk on an individual life if the all company amount of Life Insurance in force plus the amount applied for exceeds the following: Ages Preferred-Class 4 Class 5 - 16 ---- ----------------- ------------ 0-15 $10,000,000 $ 5,000,000 16-70 15,000,000 10,000,000 71-75 10,000,000 2,750,000 Over 75 2,750,000 2,750,000 EXHIBIT D PREMIUM RATES [information has been redacted as confidential] EXHIBIT E TEN YEAR SELECT NON REFUND RISK PREMIUM REINSURANCE (RPR) PROGRAM USE OF THE RATE SCHEDULE FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. Swiss Re Life Company America 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT NRN-6514-1 AGE NEAREST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER / NONSMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, Swiss Re America's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 20 to 23 Use Rates for Males Age 20 Ages 24 and Older Use Rates for Males 4 Years Younger SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, Nonsmoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D (200%) the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the tenth policy anniversary. NR-6514-2 SWISS RE LIFE COMPANY AMERICA AXXXXXX XXX XXXXXX XXXXXX XXXXXABLE RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY POLICY YEAR 5 0.85 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 15 6 0.80 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 16 7 0.77 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 17 8 0.73 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 18 9 0.70 0.69 0.69 0.71 0.80 0.89 1.03 1.16 1.30 1.20 1.24 19