Common use of Overloan Protection Benefit Clause in Contracts

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit (CGB) D.6 Method for Calculating Frasierized Joint Last Survivor Premiums [*]

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Premium Rider Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit Rider Accelerated Death Benefit for Terminal Illness AdvanceSource Rider (CGBAccelerated Benefit Rider for Chronic Illness (LTC Rider) D.6 Method for Calculating Frasierized Joint Last Survivor Premiums SCHEDULE D-1 [*]] D1-1 Exhibit E SELF-ADMINISTERED REPORTING

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Premium Rider Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit (CGB) D.6 Method Rider Accelerated Death Benefit for Calculating Frasierized Joint Last Survivor Premiums [*]Terminal Illness

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Premium Rider Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit Rider Accelerated Death Benefit for Terminal Illness AdvanceSource Rider (CGBAccelerated Benefit Rider for Chronic Illness (LTC Rider) D.6 Method for Calculating Frasierized Joint Last Survivor Premiums SCHEDULE D-1 [*]

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Premium Rider Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit Rider Accelerated Death Benefit for Terminal Illness AdvanceSource Rider (CGBAccelerated Benefit Rider for Chronic Illness (LTC Rider) D.6 Method for Calculating Frasierized Joint Last Survivor Premiums [*]

Overloan Protection Benefit. If certain conditions are met and this rider is exercised, the policy becomes paid up insurance. Reinsurance premiums would continue to be paid for any remaining Reinsured Net Amount at Risk until policy termination. AVIR (Accounting Value Increase Rider) – If the policy is fully surrendered while the rider is in force, a portion of the surrender charge that would apply to the initial Specified Amount is waived. The waiver does not apply to any surrender charge due to increases in the Specified Amount, or to partial surrenders, or resulting from the surrendered policy being exchanged for a new policy or contract. No additional reinsurance premiums are payable to Reinsurer for coverage of this rider. There is no reinsurance impact from the AVIR other than reductions in policy value due to additional cost of insurance charges. The following benefits are not reinsured under this Agreement: Waiver of Premium Rider Waiver of Monthly Deduction Rider (WMD) Waiver of Premium (WP) Children's Insurance Rider (CIR) Accidental Death Benefit Rider (ADB) Charitable Giving Benefit Rider Accelerated Death Benefit for Terminal Illness AdvanceSource Rider (CGBAccelerated Benefit Rider for Chronic Illness (LTC Rider) D.6 Method for Calculating Frasierized Joint Last Survivor Premiums [*]Premiums