Common use of POLICYHOLDER SERVICES Clause in Contracts

POLICYHOLDER SERVICES. The Service Provider shall provide general policyholder services to individuals under the Reinsured Policies, including, but not limited to, the following: (a) Responding to inquiries with respect to the scope and amounts of coverage or benefits provided under the Reinsured Policies; (b) Supplying claimants, policyholders, annuitants and insureds with appropriate instructions and forms for reporting claims and for submitting relevant information; (c) Issuing timely reports, statements, and confirmations as required by the Reinsured Policies and Applicable Law and in accordance with the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law); (d) Timely processing and recording of changes in the Reinsured Policies (such changes may include but are not limited to, (i) changes of ownership, beneficiary, amount of insurance, options under the Reinsured Policies, and (ii) changes in name, changes in address and changes in other data related to the policyholders and insureds under the Reinsured Policies), reissuances, and all financial transactions (e.g. transfer requests, from one subaccount to another), in all cases within time intervals necessary to meet SEC, NASD, and other legal and regulatory requirements; (e) Processing policy loans, surrenders and reinstatements as required by the Reinsured Policies and Applicable Law and in accordance with the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law); (f) Complying with Company written guidelines, if any, in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law) with respect to replacements and exchange requests; (g) Obtaining (on a daily basis) the net asset value and computing the accumulation unit value of each subaccount of the Separate Accounts that are funding options for the Reinsured Policies in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure on any day when such calculation is required by the Investment Company Act of 1940, as amended, and the rules and regulations thereunder; (h) Calculating (on a daily basis) the mortality and expense charges, administrative charges, and (on a monthly basis) cost of insurance in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure; (i) Transmitting orders for the purchase or redemption of shares to the subject fund manager or their authorized agents and paying and receiving funds in connection with such purchases or redemptions as required by any applicable agreement; (j) Providing all administrative services required in connection with any Ceded Reinsurance Agreements; (k) Preparing contract data pages and other inserts or additions to the Reinsured Policies and mailing such items to policyholders or agents, as appropriate; (1) Responding to all inquires received (whether by telephone, electronic transmission, facsimile, mail or otherwise) from agents, insureds, policyholders, beneficiaries and annuitants or their authorized agents or representatives in accordance with all of: Schedule 1, the Company's guidelines as of the Effective Date and Applicable law and industry standards (including adjustments incident to changes in law or industry standards); and (m) Maintaining a toll-free telephone number for inquiries by agents, policyholders and claimants or their authorized agents or representatives, with properly licensed staffing sufficient to handle inquiries on a prompt basis. (n) Determining amounts of death benefit and annuity payments (including the taxable portion of such payments) and promptly processing such payments. (o) Processing any required or permitted changes in non-guaranteed elements (e.g. costs of insurance for life policies and crediting rates on certain general account fund options) and satisfying all related notice or approval requirements in connection with such required or permitted changes.

POLICYHOLDER SERVICES. The Service Provider shall provide general policyholder services to individuals under the Reinsured PoliciesContracts, including, but not limited towithout limitation, the following: (a) Responding to inquiries with respect to the scope and amounts of coverage or benefits provided under the Reinsured PoliciesContracts; (b) Supplying claimants, policyholders, annuitants and insureds with appropriate instructions and forms for reporting claims and for submitting relevant information; (c) Issuing timely reports, statements, and confirmations as required by the Reinsured Policies Contracts and Applicable Law and at a level of accuracy and responsiveness not less favorable than the practices of the Service Provider in accordance with the Company's practices in effect immediately prior to the Effective Date administering its own products (subject to adjustment as required by Applicable Law); (d) Timely processing and recording of changes in the Reinsured Policies Contracts (such changes may include but are not limited toinclude, without limitation, (i) changes of ownership, beneficiary, amount of insurance, options under the Reinsured PoliciesContracts, and (ii) changes in name, changes in address and changes in other data related to the policyholders and insureds under the Reinsured PoliciesContracts), reissuances, and all financial transactions (e.g. transfer requests, from one subaccount to another), in all cases within time intervals necessary to meet Securities and Exchange Commission (the "SEC"), NASD, and other legal and regulatory requirements; (e) Processing policy loansContract Loans, surrenders and reinstatements as required by the Reinsured Policies Contracts and Applicable Law and at a level of accuracy and responsiveness not less favorable than the practices of the Service Provider in accordance with the Company's practices in effect immediately prior to the Effective Date administering its own products (subject to adjustment as required by Applicable Law); (f) Complying with Company written guidelines, if any, Applying a level of accuracy and responsiveness not less favorable than the practices of the Service Provider in effect immediately prior to the Effective Date administering its own products (subject to adjustment as required by Applicable Law) with respect to replacements and exchange requests; (g) Obtaining (on a daily basis) the net asset value and computing the accumulation unit value of each subaccount of the Registered Separate Accounts that are funding options for the Reinsured Policies Contracts in accordance with the provisions of the Reinsured PoliciesContracts, as well as with the prospectus and statement of additional information disclosure on any day when such calculation is required by the Investment Company Act of 1940, as amended, and the rules and regulations thereunderthere under; (h) Calculating (on a daily basis) the mortality and expense charges, administrative charges, and (on a monthly basis) cost of insurance in accordance with the provisions of the Reinsured PoliciesContracts, as well as with the prospectus and statement of additional information disclosure; (i) Transmitting orders for the purchase or redemption of shares to the subject fund manager or their authorized agents and paying and receiving funds in connection with such purchases or redemptions as required by any applicable agreement; (j) Providing all administrative services required in connection with any Ceded Reinsurance Agreements; (k) Preparing contract data pages and other inserts or additions to the Reinsured Policies Contracts and mailing such items to policyholders or agents, as appropriate; (1) Responding to all inquires inquiries received (whether by telephone, electronic transmission, facsimile, mail or otherwise) from agents, insureds, policyholders, beneficiaries and annuitants or their authorized agents or representatives in accordance with all of: Schedule 1, Applicable Law and at a level of accuracy and responsiveness not less favorable than the Company's guidelines as practices of the Effective Date and Service Provider in administering its own products (subject to adjustment as required by Applicable law and industry standards (including adjustments incident to changes in law or industry standardsLaw); and (m) Maintaining a toll-free telephone number for inquiries by agents, policyholders and claimants or their authorized agents or representatives, with properly licensed staffing sufficient to handle inquiries on a prompt basis. (n) Determining amounts of death benefit and annuity payments (including the taxable portion of such payments) and promptly processing such payments. (o) Processing any required or permitted changes in non-guaranteed elements (e.g. costs of insurance for life policies and crediting rates on certain general account fund options) and satisfying all related notice or approval requirements in connection with such required or permitted changes.;

POLICYHOLDER SERVICES. The Service Provider shall provide general policyholder services to individuals under the Reinsured Policies, including, but not limited to, the following: (a) Responding to inquiries with respect including but not limited to the scope and amounts of coverage or benefits provided under the Reinsured Policies; (b) Supplying claimants, policyholders, annuitants and insureds with appropriate instructions and forms for reporting claims and for submitting relevant information; provided that Company will provide claim statements to beneficiaries (death benefits) under Life Insurance Contracts; (c) Issuing timely reports, statements, and confirmations as required by the Reinsured Policies and Applicable Law and in accordance with the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law); (d) Timely processing and recording of changes in the Reinsured Policies (such changes may include including but are not limited to, (i) changes of ownership, beneficiary, amount of insurance, options under the Reinsured Policies, and (ii) changes in name, changes in address and changes in other data related to the policyholders and insureds under the Reinsured Policies), reissuances, and all financial transactions (e.g. transfer requests, from one subaccount to another), in all cases within time intervals necessary to meet SEC, NASD, and other legal and regulatory requirements; (e) Processing policy loans, surrenders and reinstatements as required by the Reinsured Policies and Applicable Law and in accordance with the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law), provided, however, that reinstatements of Life Insurance Contracts are subject to approval of the Company; (f) Complying with Company the written guidelinesguidelines of the Company, if any, in effect immediately prior to the Effective Date with respect to replacements and exchange requests (subject to adjustment as required by Applicable Law) with respect to replacements and exchange requests); (g) Obtaining (on a daily basis) the net asset value and computing the accumulation unit value of each subaccount of the Separate Accounts that are is a funding options option for the Reinsured Policies in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure on any day when such calculation is required by the Investment Company Act of 1940, as amended, and the rules and regulations thereunder; (h) Calculating (on a daily basis) the mortality and expense risk charges, administrative charges, and (on a monthly basis) cost of insurance in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure; (i) Transmitting orders for the purchase or redemption of shares to the subject fund manager or their authorized agents and paying and receiving funds in connection with such purchases or redemptions as required by any applicable agreement; (j) Providing all administrative services required in connection with any Ceded Reinsurance Agreements; (k) Preparing contract data pages and other inserts or additions to the Reinsured Policies and mailing such items to policyholders or agents, as appropriate; (1k) Responding to all inquires received (whether by telephone, electronic transmission, facsimile, mail or otherwise) from agents, insureds, policyholders, beneficiaries and annuitants or their authorized agents or representatives in accordance with all of: Schedule 1, the Company's guidelines as of the Effective Date and Applicable law Law and industry standards (including adjustments incident to changes in law Applicable Law or industry standards); and; (ml) Maintaining a toll-free telephone number for inquiries by agents, policyholders and claimants or their authorized agents or representatives, with properly licensed staffing sufficient to handle inquiries on a prompt basis.; (nm) Determining amounts of death benefit and annuity payments under Annuity Contracts (including the taxable portion of such payments) and ), promptly processing such payments.paying to the Company any death benefits due under Life Insurance Contracts, less the portion due that constitutes the Mortality Risk death benefit; (on) Processing any required or permitted changes in non-guaranteed elements (e.g. costs of insurance for life policies and crediting rates on certain general account fund options) and satisfying all related notice or approval requirements in connection with such required or permitted changes.; (o) Responding to any requests from plan administrators or trustees for policy information affecting the plan or participants for qualified plans. The Company shall forward any such requests they may receive to the Service Provider promptly; (p) Responding to requests for calculations applicable to annuity payments as may be necessary for Tax calculations (the Company shall provide any necessary assistance in calculating exclusion ratios or providing any other pre-conversion type data); (q) Responding to requests for partial claims, including but not limited to, nursing home provisions, and waiver of surrender charges (the Company shall respond to requests for waiver of premium riders); (r) Cooperating with the Company's efforts to facilitate fraud detection and investigation that may relate to both the Policies and other business of the Company or its affiliates in accordance with the Company's procedures, a copy of which has been provided to Service Provider; (s) Premium Receipt Process Money received by Company for Service Provider If a check is received at Company for multiple contracts, Company will deposit the check and wire the appropriate amount to Service Provider by noon central time the next business day after receipt. In the comments section of the wire, the Company will indicate wire for previous day's faxes. Below are wire instructions for the Service Provider: UMB - Kansas City, MO ABA Routing #100000000 Account #9870848783 Amount: Indicate total amount wired Name on Account: Security Benefit Life Instructions: Security Benefit Life A Account - FFC to Customer Account # The Company will fax copies of the correspondence related to such payment to the Service Provider at 700-000-0000, including contract number, owner name and SSN. The fax will be sent no later than the close of the New York Stock Exchange (NYSE) (normally 4 pm EST). The Company will also provide a total page that sets forth all such transactions faxed on that day. If a check is received by Company and the entire amount is to be applied to the Policies, the original check will be sent by noon of the following day via overnight mail to Service Provider. A copy of the check also shall be faxed to Service Provider at 700-000-0000, along with the policy number, owner name and SSN. Service Provider will apply the funds to the contract on the day the fax is received as long as the fax is received prior to the close of the NYSE. The check, original paperwork, and documentation (marked as duplicate) shall be sent by noon of the following day via overnight mail to the Service Provider at the following address:

POLICYHOLDER SERVICES. The Service Provider shall provide general policyholder services to individuals under the Reinsured Policies, including, but not limited to, the following: (a) Responding to inquiries with respect to the scope and amounts of coverage or benefits provided under the Reinsured Policies; (b) Supplying claimants, policyholders, annuitants policyowners and insureds with appropriate instructions and forms for reporting claims and for submitting relevant information; (c) Issuing timely reports, statements, and confirmations as required by the Reinsured Policies and Applicable Law and in accordance with or the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law)Time; (d) Timely processing Issuing tax reporting forms and other information as required by applicable regulatory rules; (e) Processing and recording of changes in the Reinsured Policies (such changes may include but are not limited to, (i) changes of ownership, beneficiary, amount of insurance, options under the Reinsured Policies, and (ii) changes in name, changes in address and changes in other data related to the policyholders policyowners and insureds under the Reinsured Policies), reissuances, and all financial transactions transfer requests (e.g. transfer requestsi.e., from one subaccount to another), in all cases within time intervals necessary to meet SEC, NASD, and other legal and regulatory requirements; (ef) Processing policy loans, surrenders surrenders, policy conversions and reinstatements as required by the Reinsured Policies and Applicable Law and in accordance reinstatements; (g) Complying with the Company's practices Company guidelines in effect immediately prior to the Effective Date Time (subject to adjustment as required by Applicable Law); (f) Complying with Company written guidelines, if any, in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable applicable Law) with respect to replacements and exchange requests; (gh) Obtaining Calculating (on a daily basis) the net asset value and computing the accumulation unit value of each subaccount of the Separate Accounts that are funding options for the Reinsured Policies in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure on any day when such calculation is required by the Investment Company Act of 1940, as amended, and the rules and regulations thereunder;. (hi) Calculating (on a daily basis) the mortality and expense charges, administrative charges, and (on a monthly basis) cost of insurance in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure;. (ij) Transmitting orders pursuant to the Participation Agreement for the purchase or redemption of shares in the investment companies in which the assets of the Separate Account are invested to the subject fund manager such investment companies or their authorized agents and paying and receiving funds in connection with such purchases or redemptions as required by any applicable agreement;. (jk) Providing all administrative services required in connection with any Ceded the Third Party Reinsurance Agreements; Agreements (k) Preparing contract data pages and other inserts or additions to as defined in the Reinsured Policies and mailing such items to policyholders or agents, as appropriate; (1) Responding to all inquires received (whether by telephone, electronic transmission, facsimile, mail or otherwise) from agents, insureds, policyholders, beneficiaries and annuitants or their authorized agents or representatives in accordance with all of: Schedule 1, the Company's guidelines as of the Effective Date and Applicable law and industry standards (including adjustments incident to changes in law or industry standardsILIC Coinsurance Agreement); and (m) Maintaining a toll-free telephone number for inquiries by agents, policyholders and claimants or their authorized agents or representatives, with properly licensed staffing sufficient to handle inquiries on a prompt basis. (n) Determining amounts of death benefit and annuity payments (including the taxable portion of such payments) and promptly processing such payments. (o) Processing any required or permitted changes in non-guaranteed elements (e.g. costs of insurance for life policies and crediting rates on certain general account fund options) and satisfying all related notice or approval requirements in connection with such required or permitted changes.

POLICYHOLDER SERVICES. The Service Provider shall provide general policyholder services to individuals under the Reinsured Policies, including, but not limited to, the following: (a) Responding to inquiries with respect to the scope and amounts of coverage or benefits provided under the Reinsured Policies; (b) Supplying claimants, policyholders, annuitants policyowners and insureds with appropriate instructions and forms for reporting claims and for submitting relevant information; (c) Issuing timely reports, statements, and confirmations as required by the Reinsured Policies and Applicable Law and in accordance with or the Company's practices in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable Law)Time; (d) Timely processing Issuing tax reporting forms and other information as required by applicable regulatory rules; (e) Processing and recording of changes in the Reinsured Policies (such changes may include but are not limited to, (i) changes of ownership, beneficiary, amount of insurance, options under the Reinsured Policies, and (ii) changes in name, changes in address and changes in other data related to the policyholders policyowners and insureds under the Reinsured Policies), reissuances, and all financial transactions transfer requests (e.g. transfer requestsi.e., from one subaccount to another), in all cases within time intervals necessary to meet SEC, NASD, and other legal and regulatory requirements; (ef) Processing policy loans, surrenders surrenders, policy conversions and reinstatements as required by the Reinsured Policies and Applicable Law and in accordance reinstatements; (g) Complying with the Company's practices Company guidelines in effect immediately prior to the Effective Date Time (subject to adjustment as required by Applicable Law); (f) Complying with Company written guidelines, if any, in effect immediately prior to the Effective Date (subject to adjustment as required by Applicable applicable Law) with respect to replacements and exchange requests; (gh) Obtaining Calculating (on a daily basis) the net asset value and computing the accumulation unit value of each subaccount of the Separate Accounts that are funding options for the Reinsured Policies in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure on any day when such calculation is required by the Investment Company Act of 1940, as amended, and the rules and regulations thereunder;. (hi) Calculating (on a daily basis) the mortality and expense charges, administrative charges, and (on a monthly basis) cost of insurance in accordance with the provisions of the Reinsured Policies, as well as with the prospectus and statement of additional information disclosure;. (ij) Transmitting orders pursuant to the Participation Agreement for the purchase or redemption of shares in the investment companies in which the assets of the Separate Account are invested to the subject fund manager such investment companies or their authorized agents and paying and receiving funds in connection with such purchases or redemptions as required by any applicable agreement;. (jk) Providing all administrative services required in connection with any Ceded the Third Party Reinsurance Agreements; Agreements (k) Preparing contract data pages and other inserts or additions to as defined in the Reinsured Policies and mailing such items to policyholders or agents, as appropriate; (1) Responding to all inquires received (whether by telephone, electronic transmission, facsimile, mail or otherwise) from agents, insureds, policyholders, beneficiaries and annuitants or their authorized agents or representatives in accordance with all of: Schedule 1, the Company's guidelines as of the Effective Date and Applicable law and industry standards (including adjustments incident to changes in law or industry standardsCharter Coinsurance Agreement); and (m) Maintaining a toll-free telephone number for inquiries by agents, policyholders and claimants or their authorized agents or representatives, with properly licensed staffing sufficient to handle inquiries on a prompt basis. (n) Determining amounts of death benefit and annuity payments (including the taxable portion of such payments) and promptly processing such payments. (o) Processing any required or permitted changes in non-guaranteed elements (e.g. costs of insurance for life policies and crediting rates on certain general account fund options) and satisfying all related notice or approval requirements in connection with such required or permitted changes.