Common use of PLANS AND RIDERS Clause in Contracts

PLANS AND RIDERS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE --------------------------------------------------------------------------------------- VUL-IV (Form 30061 with endorsements 132024 and 130701) Aug. 30, 2005 RIDERS: Automatic Increasing Benefit Rider (AIBR) (Form 30965) Aug. 30, 2005 Base Insured Rider (BIR) (Form 132023) Aug. 30, 2005 Other Insured Rider (OIR) (Form 30450) Aug. 30, 2005 Exchange of Insured Rider (EOI) (Form 132114) It is understood and agreed the Agreement also covers other policy form and endorsement numbers for the above plans that may vary for specific states.

PLANS AND RIDERS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated to save age by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE --------------------------------------------------------------------------------------- ---------------------------------------------------------------------- VUL-IV (Form 30061 with endorsements 132024 and 130701) Aug. 30, 2005 and 130701) RIDERS: Automatic Increasing Benefit Rider (AIBR) Aug. 30, 2005 (Form 30965) Aug. 30, 2005 Base Insured Rider (BIR) (Form 132023) Aug. 30, 2005 Other Insured Rider (OIR) (Form 30450) Aug. 30, 2005 Exchange of Insured Rider (EOI) (Form 132114) It is understood and agreed the Agreement also covers other policy form and endorsement numbers for the above plans that may vary for specific states.

PLANS AND RIDERS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE --------------------------------------------------------------------------------------- ------------------------------------ -------------- VUL-IV (Form 30061 with Aug. 30, 2005 endorsements 132024 and 130701) Aug. 30, 2005 RIDERS: Automatic Increasing Benefit Aug. 30, 2005 Rider (AIBR) (Form 30965) Aug. 30, 2005 Base Insured Rider (BIR) (Form 132023) Aug. 30, 2005 132023) Other Insured Rider (OIR) (Form 30450) Aug. 30, 2005 30450) Exchange of Insured Rider (EOI) (Form 132114) It is understood and agreed the Agreement also covers other policy form and endorsement numbers for the above plans that may vary for specific states.

PLANS AND RIDERS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE --------------------------------------------------------------------------------------- -------------------------------------------------------------------- VUL-IV (Form 30061 with endorsements 132024 and 130701) Aug. 30, 2005 RIDERS: Automatic Increasing Benefit Rider (AIBR) (Form 30965) Aug. 30, 2005 Base Insured Rider (BIR) (Form 132023) Aug. 30, 2005 Other Insured Rider (OIR) (Form 30450) Aug. 30, 2005 Exchange of Insured Rider (EOI) (Form 132114) It is understood and agreed the Agreement also covers other policy form and endorsement numbers for the above plans that may vary for specific states.

PLANS AND RIDERS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE --------------------------------------------------------------------------------------- ------------------------------------------------------------------------- VUL-IV (Form 30061 with endorsements 132024 and 130701) Aug. 30, 2005 130701) RIDERS: Automatic Increasing Benefit Rider (AIBR) (Form 30965) Aug. 30, 2005 30965) Base Insured Rider (BIR) (Form 132023) Aug. 30, 2005 Other Insured Rider (OIR) (Form 30450) Aug. 30, 2005 Exchange of Insured Rider (EOI) (Form 132114) It is understood and agreed the Agreement also covers other policy form and endorsement numbers for the above plans that may vary for specific states.