Common use of Policy Protection Rider Clause in Contracts

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement Option. This rider allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC Canada Life Amendment 4 6 -- Effective September 7, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 TO THE 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY (NAIC No. 71153) (FEIN 39-1052598) AND THE CANADA LIFE ASSURANCE COMPANY (NAIC No. 80659) (FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Excess Risks) -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC Canada Life Amendment 4 3 -- Effective September 7, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 TO THE 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 FOR EXCESS RISKS BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY"NAIC No. 88072) (FEIN 06-0974148) AND TRANSAMERICA FINANCIAL THE CANADA LIFE INSURANCE ASSURANCE COMPANY ("REINSURER"NAIC No. 80659) ("AGREEMENT")FEIN 38-0397420) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC Swiss Re Amendment 4 9 -- Effective September 7, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 TO THE 10/03/2011 AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY"NAIC No. 88072) (FEIN 06-0974148) AND TRANSAMERICA FINANCIAL SWISS RE LIFE INSURANCE COMPANY & HEALTH AMERICA INC. ("REINSURER"NAIC No. 82627) ("AGREEMENT")FEIN 06-0839705) EFFECTIVE DATE: OCTOBER 1, 2008 ARTICLES

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC TLIC Amendment 4 13 -- Effective September 710/15/2012 AMENDMENT 14 EFFECTIVE JULY 16, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC Canada Life Amendment 4 8 -- Effective September 7, 2010 AMENDMENT 5 03/01/2012 SCHEDULE B REINSURANCE SPECIFICATIONS EFFECTIVE AUGUST MARCH 1, 2010 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Excess Risks) -- Effective 10/01/2008 Between HLIC and TFLIC Canada Life Amendment 4 5 -- Effective September 7, 2010 AMENDMENT 5 03/01/2012 SCHEDULE B REINSURANCE SPECIFICATIONS EFFECTIVE AUGUST 1, 2010 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")MARCH 1,2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 11 -- Effective September 710/15/2012 AMENDMENT 12 EFFECTIVE JULY 16, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Excess Risks) -- Effective 10/01/2008 Between HLIC HLAIC and TFLIC Canada Life Amendment 4 5 -- Effective September 7, 2010 AMENDMENT 5 03/01/2012 SCHEDULE B REINSURANCE SPECIFICATIONS EFFECTIVE AUGUST 1, 2010 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")MARCH 1,2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Excess Risks) -- Effective 10/01/2008 Between HLIC and TFLIC Canada Life Amendment 4 3 -- Effective September 7, 2010 10/03/2011 AMENDMENT 5 4 EFFECTIVE AUGUST OCTOBER 1, 2010 2008 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT FOR EXCESS RISKS EFFECTIVE OCTOBER 1, 2008 ("EFFECTIVE DATE") BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL THE CANADA LIFE INSURANCE ASSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 8 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 10/03/2011 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 8 -- Effective September 7, 2010 10/03/2011 AMENDMENT 5 9 EFFECTIVE AUGUST OCTOBER 1, 2010 2008 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool (Non-Excess Risks) -- Effective 10/01/2008 Between HLIC and TFLIC Canada Life Amendment 4 6 -- Effective September 7, 2010 AMENDMENT 5 03/01/2012 SCHEDULE B REINSURANCE SPECIFICATIONS EFFECTIVE AUGUST MARCH 1, 2010 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY ("REINSURER") ("AGREEMENT")2012

Policy Protection Rider. Protects the death benefit of the base policy and any Estate Protection Rider from lapse as long as the Policy Protection Account Value ("shadow account") is not negative. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Amendment 4 -- Effective September 7, 2010 SCHEDULE A PLANS OF INSURANCE COVERED UNDER THIS AGREEMENT EFFECTIVE SEPTEMBER 7, 2010 Estate Tax Repeal Rider: This rider will Will pay the Account Value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010, and the Ceding Company receives a request for this benefit amount from the policy owner. Foreign Travel Exclusion: Provides a limited death benefit (Account Value less indebtedness) if either insured dies due to travel to, from, or within certain foreign countries, or due directly or indirectly to illness or injury sustained during such travel. GMAB Guaranteed Minimum Accumulation Benefit Rider and Paid-Up Life Insurance Rider: Same as Single Life riders. Owner Designated Settlement OptionOption Rider. This rider allows Allows the policy owner to designate a Settlement Option to be used for the payment of Death Proceeds. Joint LifeAccess Rider: Similar to the LifeAccess Accelerated Benefit Rider. Available only on Last Survivor products where the benefit will be payable for the last surviving insured if chronically ill or if both insureds are concurrently chronically ill. Allocated Retention Pool -- Effective 10/01/2008 Between HLIC and TFLIC Swiss Re Amendment 4 10 -- Effective September 710/15/2012 AMENDMENT 11 EFFECTIVE JULY 16, 2010 AMENDMENT 5 EFFECTIVE AUGUST 1, 2010 2012 TO THE AUTOMATIC AND FACULTATIVE MONTHLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE OCTOBER 1, 2008 BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA FINANCIAL SWISS RE LIFE INSURANCE COMPANY & HEALTH AMERICA INC. ("REINSURER") ("AGREEMENT")