READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Variable account values are not guaranteed, and may increase or decrease depending upon variable account investment experience. The method for determining the Death Benefit is described in the Death Benefit section of this policy. The amount of the Death Benefit may be fixed or variable depending on the Death Benefit option elected and the investment experience of the Variable Accounts. Premiums are flexible, subject to minimums required to keep the policy In Force. Even if Planned Premiums are paid, it is possible that, due to changes in interest credited, expense loads, Cost of Insurance Rates, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insured. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. Signed for Pacific Life Insurance Company, Chairman, President, and Chief Executive Officer Secretary FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE • Death Benefit Payable On The Death Of The Insured • Net Cash Surrender Value Payable Upon Surrender • Benefits May Vary Based On Investment Experience • Adjustable Face Amount • Non-Participating INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX Free Look Right — You may return this policy within [10] days after you receive it. To do so, deliver it or mail it to us or to the registered representative who delivered it to you. This policy will then be deemed void from the beginning and we will refund: • Any Premium Load deducted from the premiums plus • Any Net Premiums allocated to available Fixed Options plus • The Accumulated Value allocated to the Variable Options plus • Any monthly charges and fees deducted from the Policy’s Accumulated Value in the Variable Options P11MVP MVP9 POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 1 0.10090 2 0.10670 3 0.11170 4 0.12010 5 0.12840 6 0.13760 7 0.14930 8 0.16350 9 0.17930 10 0.19940 11 0.22110 12 0.24200 13 0.26460 14 0.27790 15 0.29380 16 0.31390 17 0.33900 18 0.37330 19 0.41180 20 0.45950 21 0.51560 22 0.57510 23 0.63890 24 0.69180 25 0.75230 26 0.82540 27 0.91630 28 1.02660 29 1.14970 30 1.27900 31 1.41510 32 1.55240 33 1.68980 34 1.83930 35 1.99170 36 2.17330 37 2.37670 38 2.64820 39 2.93180 40 3.23010 41 3.56140 42 3.92360 43 4.34570 44 4.84010 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 45 5.41330 46 6.04180 47 6.76170 48 7.51460 49 8.33040 50 9.24140 51 10.27540 52 11.43490 53 12.71510 54 14.10520 55 15.59360 56 17.17060 57 18.67330 58 20.26540 59 21.97380 60 23.81220 61 25.79270 62 27.64150 63 29.65380 64 31.85100 65 34.25960 66 36.90860 67 39.06360 68 41.41760 69 43.99540 70 46.82420 71 49.93700 72 53.37330 73 57.18460 74 61.42910 75 66.18210 76 71.53880 77 77.62690 78 83.33330 79 83.33330 80 83.33330 81 83.33330 82 83.33330 83 83.33330 84 83.33330 85 83.33330 86 83.33330 87+ 0 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 1 $24.90 2 24.90 3 24.90 4 24.90 5 24.90 6 24.90 7 24.90 8 24.90 9 24.90 10 24.90 11 14.90 12 14.90 13 14.90 14 14.90 15 14.90 16 14.90 17 14.90 18 14.90 19 14.90 20 14.90 21 14.90 22 14.90 23 14.90 24 14.90 25 14.90 26 14.90 27 14.90 28 14.90 29 14.90 30 14.90 31 14.90 32 14.90 33 14.90 34 14.90 35 14.90 36 14.90 37 14.90 38 14.90 39 14.90 40 14.90 41 14.90 42 14.90 43 14.90 44 14.90 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 45 $14.90 46 14.90 47 14.90 48 14.90 49 14.90 50 14.90 51 14.90 52 14.90 53 14.90 54 14.90 55 14.90 56 14.90 57 14.90 58 14.90 59 14.90 60 14.90 61 14.90 62 14.90 63 14.90 64 14.90 65 14.90 66 14.90 67 14.90 68 14.90 69 14.90 70 14.90 71 14.90 72 14.90 73 14.90 74 14.90 75 14.90 76 14.90 77 14.90 78 14.90 79 14.90 80 14.90 81 14.90 82 14.90 83 14.90 84 14.90 85 14.90 86 14.90 P11MVP
Appears in 2 contracts
Samples: Pacific Select Exec Separate Acct Pacific Life Ins, Pacific Select Exec Separate Acct Pacific Life Ins
READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance & Annuity Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Variable account values are not guaranteedPREMIUMS ARE FLEXIBLE, and may increase or decrease depending upon variable account investment experienceSUBJECT TO MINIMUMS REQUIRED TO KEEP THE POLICY IN FORCE. The method for determining the Death Benefit is described in the Death Benefit section of this policyVARIABLE ACCOUNT VALUES ARE NOT GUARANTEED, AND MAY INCREASE OR DECREASE DEPENDING UPON VARIABLE ACCOUNT INVESTMENT EXPERIENCE. The amount of the Death Benefit may be fixed or variable depending on the Death Benefit option elected and the investment experience of the Variable AccountsPOLICY LOAN VALUE IS LESS THAN ONE HUNDRED PERCENT (100%) OF THE POLICY’S CASH SURRENDER VALUE. Premiums are flexibleTHE METHOD FOR DETERMINING THE DEATH BENEFIT IS DESCRIBED IN THE DEATH BENEFIT SECTION OF THIS POLICY. THE AMOUNT OF THE DEATH BENEFIT MAY BE FIXED OR VARIABLE ACCORDING TO THE DEATH BENEFIT OPTION SELECTED AND MAY INCREASE OR DECREASE. THE DURATION THIS POLICY REMAINS IN FORCE MAY VARY, subject to minimums required to keep the policy In ForceDEPENDING ON THE PREMIUMS PAID AND THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNTS. Even if Planned Premiums are paid, it is possible that, due to changes in interest credited, expense loads, Cost of Insurance Rates, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insured. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. Signed for Pacific Life Insurance Company, Chairman, President, and Chief Executive Officer Secretary FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE • Death Benefit Payable On The Death Of The Insured • Net Cash Surrender Value Payable Upon Surrender • Benefits May Vary Based On Investment Experience • Adjustable Face Amount • Non-Participating INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX Free Look Right FREE LOOK RIGHT — You may return this policy within [10] 10 days after you receive it. To do so, deliver it or mail it to us or to the registered representative who delivered it to youour agent. This policy will then be deemed void from the beginning and we will refund: • Any Premium Load deducted from refund the premiums plus • Any Net Premiums allocated to available Fixed Options plus • The Accumulated Value allocated to the Variable Options plus • Any monthly charges paid. Signed for Pacific Life Insurance Company, Chairman and fees deducted from the Policy’s Accumulated Value in the Variable Options P11MVP MVP9 POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 1 0.10090 2 0.10670 3 0.11170 4 0.12010 5 0.12840 6 0.13760 7 0.14930 8 0.16350 9 0.17930 10 0.19940 11 0.22110 12 0.24200 13 0.26460 14 0.27790 15 0.29380 16 0.31390 17 0.33900 18 0.37330 19 0.41180 20 0.45950 21 0.51560 22 0.57510 23 0.63890 24 0.69180 25 0.75230 26 0.82540 27 0.91630 28 1.02660 29 1.14970 30 1.27900 31 1.41510 32 1.55240 33 1.68980 34 1.83930 35 1.99170 36 2.17330 37 2.37670 38 2.64820 39 2.93180 40 3.23010 41 3.56140 42 3.92360 43 4.34570 44 4.84010 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 45 5.41330 46 6.04180 47 6.76170 48 7.51460 49 8.33040 50 9.24140 51 10.27540 52 11.43490 53 12.71510 54 14.10520 55 15.59360 56 17.17060 57 18.67330 58 20.26540 59 21.97380 60 23.81220 61 25.79270 62 27.64150 63 29.65380 64 31.85100 65 34.25960 66 36.90860 67 39.06360 68 41.41760 69 43.99540 70 46.82420 71 49.93700 72 53.37330 73 57.18460 74 61.42910 75 66.18210 76 71.53880 77 77.62690 78 83.33330 79 83.33330 80 83.33330 81 83.33330 82 83.33330 83 83.33330 84 83.33330 85 83.33330 86 83.33330 87+ 0 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 1 $24.90 2 24.90 3 24.90 4 24.90 5 24.90 6 24.90 7 24.90 8 24.90 9 24.90 10 24.90 11 14.90 12 14.90 13 14.90 14 14.90 15 14.90 16 14.90 17 14.90 18 14.90 19 14.90 20 14.90 21 14.90 22 14.90 23 14.90 24 14.90 25 14.90 26 14.90 27 14.90 28 14.90 29 14.90 30 14.90 31 14.90 32 14.90 33 14.90 34 14.90 35 14.90 36 14.90 37 14.90 38 14.90 39 14.90 40 14.90 41 14.90 42 14.90 43 14.90 44 14.90 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 45 $14.90 46 14.90 47 14.90 48 14.90 49 14.90 50 14.90 51 14.90 52 14.90 53 14.90 54 14.90 55 14.90 56 14.90 57 14.90 58 14.90 59 14.90 60 14.90 61 14.90 62 14.90 63 14.90 64 14.90 65 14.90 66 14.90 67 14.90 68 14.90 69 14.90 70 14.90 71 14.90 72 14.90 73 14.90 74 14.90 75 14.90 76 14.90 77 14.90 78 14.90 79 14.90 80 14.90 81 14.90 82 14.90 83 14.90 84 14.90 85 14.90 86 14.90 P11MVPChief Executive Officer Secretary
Appears in 1 contract
READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance & Annuity Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Variable account values are not guaranteedPREMIUMS ARE FLEXIBLE, and may increase or decrease depending upon variable account investment experienceSUBJECT TO MINIMUMS REQUIRED TO KEEP THE POLICY IN FORCE. The method for determining the Death Benefit is described in the Death Benefit section of this policyVARIABLE ACCOUNT VALUES ARE NOT GUARANTEED, AND MAY INCREASE OR DECREASE DEPENDING UPON VARIABLE ACCOUNT INVESTMENT EXPERIENCE. The amount of the Death Benefit may be fixed or variable depending on the Death Benefit option elected and the investment experience of the Variable AccountsPOLICY LOAN VALUE IS LESS THAN ONE HUNDRED PERCENT (100%) OF THE POLICY’S CASH SURRENDER VALUE. Premiums are flexibleTHE METHOD FOR DETERMINING THE DEATH BENEFIT IS DESCRIBED IN THE DEATH BENEFIT SECTION OF THIS POLICY. THE AMOUNT OF THE DEATH BENEFIT MAY BE FIXED OR VARIABLE ACCORDING TO THE DEATH BENEFIT OPTION SELECTED AND MAY INCREASE OR DECREASE. THE DURATION THIS POLICY REMAINS IN FORCE MAY VARY, subject to minimums required to keep the policy In ForceDEPENDING ON THE PREMIUMS PAID AND THE INVESTMENT EXPERIENCE OF THE VARIABLE ACCOUNTS. Even if Planned Premiums are paid, it is possible that, due to changes in interest credited, expense loads, Cost of Insurance Rates, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insured. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. Signed for Pacific Life Insurance Company, Chairman, President, and Chief Executive Officer Secretary FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE • Death Benefit Payable On The Death Of The Insured • Net Cash Surrender Value Payable Upon Surrender • Benefits May Vary Based On Investment Experience • Adjustable Face Amount • Non-Participating INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX Free Look Right — FREE LOOK RIGHT – You may return this policy within [10] 10 days after you receive it. To do so, deliver it or mail it to us or to the registered representative who delivered it to youour agent. This policy will then be deemed void from the beginning and we will refund: • Any Premium Load deducted from refund the premiums plus • Any Net Premiums allocated to available Fixed Options plus • The Accumulated Value allocated to the Variable Options plus • Any monthly charges paid. Signed for Pacific Life & Annuity Company, /s/ XXXXXX X XXXXXX Chairman and fees deducted from the Policy’s Accumulated Value in the Variable Options P11MVP MVP9 POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: Chief Executive Officer /s/ XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 1 0.10090 2 0.10670 3 0.11170 4 0.12010 5 0.12840 6 0.13760 7 0.14930 8 0.16350 9 0.17930 10 0.19940 11 0.22110 12 0.24200 13 0.26460 14 0.27790 15 0.29380 16 0.31390 17 0.33900 18 0.37330 19 0.41180 20 0.45950 21 0.51560 22 0.57510 23 0.63890 24 0.69180 25 0.75230 26 0.82540 27 0.91630 28 1.02660 29 1.14970 30 1.27900 31 1.41510 32 1.55240 33 1.68980 34 1.83930 35 1.99170 36 2.17330 37 2.37670 38 2.64820 39 2.93180 40 3.23010 41 3.56140 42 3.92360 43 4.34570 44 4.84010 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 45 5.41330 46 6.04180 47 6.76170 48 7.51460 49 8.33040 50 9.24140 51 10.27540 52 11.43490 53 12.71510 54 14.10520 55 15.59360 56 17.17060 57 18.67330 58 20.26540 59 21.97380 60 23.81220 61 25.79270 62 27.64150 63 29.65380 64 31.85100 65 34.25960 66 36.90860 67 39.06360 68 41.41760 69 43.99540 70 46.82420 71 49.93700 72 53.37330 73 57.18460 74 61.42910 75 66.18210 76 71.53880 77 77.62690 78 83.33330 79 83.33330 80 83.33330 81 83.33330 82 83.33330 83 83.33330 84 83.33330 85 83.33330 86 83.33330 87+ 0 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 1 $24.90 2 24.90 3 24.90 4 24.90 5 24.90 6 24.90 7 24.90 8 24.90 9 24.90 10 24.90 11 14.90 12 14.90 13 14.90 14 14.90 15 14.90 16 14.90 17 14.90 18 14.90 19 14.90 20 14.90 21 14.90 22 14.90 23 14.90 24 14.90 25 14.90 26 14.90 27 14.90 28 14.90 29 14.90 30 14.90 31 14.90 32 14.90 33 14.90 34 14.90 35 14.90 36 14.90 37 14.90 38 14.90 39 14.90 40 14.90 41 14.90 42 14.90 43 14.90 44 14.90 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 45 $14.90 46 14.90 47 14.90 48 14.90 49 14.90 50 14.90 51 14.90 52 14.90 53 14.90 54 14.90 55 14.90 56 14.90 57 14.90 58 14.90 59 14.90 60 14.90 61 14.90 62 14.90 63 14.90 64 14.90 65 14.90 66 14.90 67 14.90 68 14.90 69 14.90 70 14.90 71 14.90 72 14.90 73 14.90 74 14.90 75 14.90 76 14.90 77 14.90 78 14.90 79 14.90 80 14.90 81 14.90 82 14.90 83 14.90 84 14.90 85 14.90 86 14.90 P11MVPX. XXXXX Secretary
Appears in 1 contract
Samples: Pacific Select Exec Separate Account of Pacific Life & Annui
READ YOUR POLICY CAREFULLY. This It is a legal contract between youyou and The Equitable Life Assurance Society of the United States. /s/ Cxxxxxxxxxx X. Xxxxxxx /s/ Pxxxxxx Xxxxxxx ------------------------------------ --------------------------------------- Cxxxxxxxxxx X. Xxxxxxx Pxxxxxx Xxxxxxx, the OwnerSenior Vice President, Chairman and us, Pacific Life Insurance Company, a stock insurance companyChief Executive Officer Secretary and Associate General Counsel No. We agree 02-100 INSURED PERSON RXXXXXX XXX [GRAPHIC: EQUITABLE LOGO] POLICY OWNER RXXXXXX XXX VARIABLE LIFE POLICY NUMBER XX XXX XXX INSURANCE POLICY -------------------------------------------------------------------------------- DRAFT 2 WE AGREE to pay the benefits Insurance Benefit of this policy according and to provide its other benefits and rights in accordance with its provisions. The consideration for this FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY This is a flexible premium variable life insurance policy. You can, within limits: o make premium payments at any time and in any amount; o change the death benefit option; o change the allocation of net premiums and deductions among your investment options; and o transfer amounts among your investment options. This policy is guaranteed not to lapse during the application for itfirst five policy years, a copy if premiums are paid in accordance with the no lapse guarantee provision and any outstanding loan and accrued loan interest does not exceed the cash surrender value. All of which is attached, these rights and payment of benefits are subject to the initial terms and subsequent premiums. Variable account values are not guaranteed, and may increase or decrease depending upon variable account investment experience. The method for determining the Death Benefit is described in the Death Benefit section conditions of this policy. All requests for policy changes are subject to our approval and may require evidence of insurability. We put your net premiums into your Policy Account. You may allocate them to one or more investment funds of our Separate Account(s) (SA) or to our Guaranteed Interest Account (GIA). The amount portion of the Death Benefit may be fixed your Policy Account that is in an investment fund of our SA will vary up or variable down depending on the Death Benefit option elected and the unit value of such investment experience of the Variable Accounts. Premiums are flexiblefund, subject to minimums required to keep the policy In Force. Even if Planned Premiums are paid, it is possible that, due to changes which in interest credited, expense loads, Cost of Insurance Rates, and turn depends on the investment performance of the Variable Accountssecurities held by that fund. There are no minimum guarantees as to such portion of your Policy Account. The portion of your Policy Account that is in our GIA will accumulate, the policy may after deductions, at rates of interest we determine. Such rates will not continue In Force; that is, it may lapse before any Death Benefit is payable on be less than 3% a year. The amount and duration of the death benefit may be variable or fixed under specified conditions. See the death benefit provision for a description of the Insured. Additionally, loans, withdrawals, and Death Benefit Option changes will affect the length of time the policy stays In Force. Signed for Pacific Life Insurance Company, Chairman, President, and Chief Executive Officer Secretary FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE • Death Benefit Payable On The Death Of The Insured • Net Cash Surrender Value Payable Upon Surrender • Benefits May Vary Based On Investment Experience • Adjustable Face Amount • Non-Participating INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER POLICY NUMBER: VF99999990 TOTAL FACE AMOUNT $50,000 POLICY DATE: May 1, 2011 OWNER: XXXXXX XXXXXXXX Free Look Right — You may return this policy within [10] days after you receive it. To do so, deliver it or mail it to us or to the registered representative who delivered it to youvariable death benefit. This policy will then be deemed void from the beginning and we will refund: • Any Premium Load deducted from the premiums plus • Any Net Premiums allocated to available Fixed Options plus • The Accumulated Value allocated to the Variable Options plus • Any monthly charges and fees deducted from the Policy’s Accumulated Value in the Variable Options P11MVP MVP9 POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL PREMIUM = $ 565.85 7is a non-PAY PREMIUM = 3,288.09 GUIDELINE SINGLE PREMIUM = 14,711.54 GUIDELINE LEVEL PREMIUM = 1,284.96 DEATH BENEFIT QUALIFICATION TEST: GUIDELINE PREMIUM TEST DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM GUARANTEED INTEREST RATE FOR FIXED OPTIONS: 2.50% ANNUALLY. ANY EXCESS INTEREST DECLARED BY US WILL BE GUARANTEED FOR ONE YEAR NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 LEVEL PERIOD: 1 YEAR REDUCTION FACTOR: $ 76.80 SURRENDER CHARGE PERIOD: 10 YEARS P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE P11MVP BASIC COVERAGE FACE AMOUNT: $50,000 INSURED: XXXXXX XXXXXXXX SEX AND AGE: MALE 35 RISK CLASS: STANDARD NONSMOKER P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 1 0.10090 2 0.10670 3 0.11170 4 0.12010 5 0.12840 6 0.13760 7 0.14930 8 0.16350 9 0.17930 10 0.19940 11 0.22110 12 0.24200 13 0.26460 14 0.27790 15 0.29380 16 0.31390 17 0.33900 18 0.37330 19 0.41180 20 0.45950 21 0.51560 22 0.57510 23 0.63890 24 0.69180 25 0.75230 26 0.82540 27 0.91630 28 1.02660 29 1.14970 30 1.27900 31 1.41510 32 1.55240 33 1.68980 34 1.83930 35 1.99170 36 2.17330 37 2.37670 38 2.64820 39 2.93180 40 3.23010 41 3.56140 42 3.92360 43 4.34570 44 4.84010 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 45 5.41330 46 6.04180 47 6.76170 48 7.51460 49 8.33040 50 9.24140 51 10.27540 52 11.43490 53 12.71510 54 14.10520 55 15.59360 56 17.17060 57 18.67330 58 20.26540 59 21.97380 60 23.81220 61 25.79270 62 27.64150 63 29.65380 64 31.85100 65 34.25960 66 36.90860 67 39.06360 68 41.41760 69 43.99540 70 46.82420 71 49.93700 72 53.37330 73 57.18460 74 61.42910 75 66.18210 76 71.53880 77 77.62690 78 83.33330 79 83.33330 80 83.33330 81 83.33330 82 83.33330 83 83.33330 84 83.33330 85 83.33330 86 83.33330 87+ 0 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 1 $24.90 2 24.90 3 24.90 4 24.90 5 24.90 6 24.90 7 24.90 8 24.90 9 24.90 10 24.90 11 14.90 12 14.90 13 14.90 14 14.90 15 14.90 16 14.90 17 14.90 18 14.90 19 14.90 20 14.90 21 14.90 22 14.90 23 14.90 24 14.90 25 14.90 26 14.90 27 14.90 28 14.90 29 14.90 30 14.90 31 14.90 32 14.90 33 14.90 34 14.90 35 14.90 36 14.90 37 14.90 38 14.90 39 14.90 40 14.90 41 14.90 42 14.90 43 14.90 44 14.90 P11MVP POLICY NUMBER: VP999999990 POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE CONTINUED INSURED: XXXXXX XXXXXXXX POLICY COVERAGE YEAR CHARGE 45 $14.90 46 14.90 47 14.90 48 14.90 49 14.90 50 14.90 51 14.90 52 14.90 53 14.90 54 14.90 55 14.90 56 14.90 57 14.90 58 14.90 59 14.90 60 14.90 61 14.90 62 14.90 63 14.90 64 14.90 65 14.90 66 14.90 67 14.90 68 14.90 69 14.90 70 14.90 71 14.90 72 14.90 73 14.90 74 14.90 75 14.90 76 14.90 77 14.90 78 14.90 79 14.90 80 14.90 81 14.90 82 14.90 83 14.90 84 14.90 85 14.90 86 14.90 P11MVPparticipating policy.
Appears in 1 contract
Samples: Separate Account Fp of Equitable Life Assur Soc of the Us
READ YOUR POLICY CAREFULLY. This is a legal contract between you, the Owner, and us, Pacific Life Insurance & Annuity Company, a stock insurance company. We agree to pay the benefits of this policy according to its provisions. The consideration for this policy is the application for it, a copy of which is attached, and payment of the initial and subsequent premiums. Variable account values are not guaranteed, and may increase or decrease depending upon variable account investment experience. The method for determining the Death Benefit is described in the Death Benefit section of this policy. The amount of the Death Benefit may be fixed or variable depending on the Death Benefit option elected and the investment experience of the Variable Accounts. Premiums are flexible, subject to minimums required to keep the policy In Force. Even if Planned Premiums planned premiums are paid, it is possible thatthat the policy may not continue In Force (that is, it may lapse before the death of the Insured) due to changes in the interest credited, expense loads, Cost of Insurance Ratespolicy charges, and the investment performance of the Variable Accounts, the policy may not continue In Force; that is, it may lapse before any Death Benefit is payable on the death of the Insuredvariable accounts. Additionally, loans, withdrawals, and Death Benefit Option death benefit option changes will may affect the length of time the policy stays In Force. Subject to policy guarantees, we have the right to change the amount of Cost of Insurance or other expense charges deducted under the policy, and the interest credited to the Fixed Options, which may require more premium to be paid than was illustrated or the cash values to be less than those illustrated. Signed for Pacific Life Insurance & Annuity Company, Chairman, President, President and Chief Executive Officer Secretary FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE • Death Benefit Payable On The Death Of The Insured • Net Cash Surrender Value Payable Upon Surrender • Benefits May Vary Based On Investment Experience • Adjustable Face Amount • Non-Participating INSURED: [XXXXXX XXXXXXXX XXXXXXXX] SEX AND AGE: [MALE 35 35] RISK CLASS: [STANDARD NONSMOKER NONSMOKER] POLICY NUMBER: VF99999990 [VF99999990] TOTAL FACE AMOUNT [$50,000 200,000] POLICY DATE: May [NOVEMBER 1, 2011 2008] OWNER: [XXXXXX XXXXXXXX XXXXXXXX] Free Look Right — – You may return this policy within [10] days after you receive it. To do so, deliver it or mail it to us or to the registered representative who delivered it to you. This policy will then be deemed void from the beginning and we will refund: • Any Premium Load deducted from the premiums plus • Any Net Premiums allocated to available Fixed Options plus • The Accumulated Value allocated to the Variable Options plus • Any monthly charges and fees deducted from the Policy’s Accumulated Value in the Variable Options P11MVP MVP9 refund any premium paid. POLICY NUMBER: VP999999990 [VP99999990] POLICY SPECIFICATIONS BASE POLICY: FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE PREMIUMS: PLANNED ANNUAL [ANNUAL] PREMIUM = $ 565.85 [$607.91] 7-PAY PREMIUM = 3,288.09 [3,323.59] GUIDELINE SINGLE PREMIUM = 14,711.54 [14,925.63] GUIDELINE LEVEL PREMIUM = 1,284.96 [1,294.00] DEATH BENEFIT QUALIFICATION TEST: [GUIDELINE PREMIUM TEST TEST] (THIS ELECTION IS IRREVOCABLE FOR THE LIFE OF THE CONTRACT) DEATH BENEFIT OPTION: [A] [OPTION C DEATH BENEFIT LIMIT: $XX,XXX,XXX] MINIMUM INTEREST ON THE FIXED OPTIONS AND ON THE LOAN ACCOUNT IS GUARANTEED INTEREST RATE FOR FIXED OPTIONS: TO BE NOT LESS THAN 2.50% ANNUALLY. WE MAY PAY EXCESS INTEREST ON THE FIXED OPTIONS. ANY EXCESS INTEREST RATE DECLARED BY US AT THE BEGINNING OF EACH POLICY YEAR WILL BE GUARANTEED FOR ONE YEAR UNTIL THE END OF THAT YEAR. BEFORE SUCH DECLARATION, EXCESS AMOUNTS ARE NOT GUARANTEED. THERE IS NO EXCESS INTEREST PAID ON THE LOAN ACCOUNT. SUBJECT TO POLICY GUARANTEES, WE HAVE THE RIGHT TO CHANGE THE INTEREST CREDITED TO THE FIXED OPTIONS AND THE COST OF INSURANCE AND OTHER CHARGES DEDUCTED, WHICH MAY REQUIRE MORE PREMIUM TO BE PAID THAN WAS ILLUSTRATED OR THE ACCUMULATED VALUE TO BE LESS THAN WAS ILLUSTRATED. NET AMOUNT AT RISK FACTOR: 1.0020598 MONTHLY DEDUCTION END DATE: POLICY ANNIVERSARY WHEN THE INSURED ATTAINS AGE 121 MAXIMUM PREMIUM LOAD RATE: 7.956.95% ADMINISTRATIVE CHARGE PER MONTH: $7.50 WITHDRAWAL FEE: $25.00 TABLE OF SURRENDER CHARGE FACTORS INITIAL AMOUNT: $ 691.20 [$837.60] LEVEL PERIOD: 1 YEAR [4] YEAR[S] REDUCTION FACTOR: $ 76.80 SURRENDER [$837.60] END YEAR: [5] YEARS (Editor’s Note: 5 years for all combinations except male issue age 85, in which case end year=4) ASSET CHARGE PERIODRATE: 10 YEARS P11MVP VARIABLE ACCUMULATED VALUE LESS THAN OR EQUAL TO $25,000: 0.000375 (0.45% ANNUALLY) VARIABLE ACCUMULATED VALUE IN EXCESS OF $25,000: 0.000042 (0.05% ANNUALLY) NOTE: IT IS POSSIBLE THAT COVERAGE WILL LAPSE IF THE ACCUMULATED VALUE IS INSUFFICIENT TO PAY THE CHARGES ASSESSED ON A MONTHLY PAYMENT DATE. BECAUSE THE ACCUMULATED VALUE MAY BE BASED ON THE INVESTMENT RESULTS OF THE VARIABLE ACCOUNTS, THE PAYMENT OF INITIAL AND PLANNED PREMIUMS MAY NOT BE ADEQUATE TO GUARANTEE THAT THE POLICY WILL REMAIN IN FORCE. IF THE POLICY DOES NOT REMAIN IN FORCE, THERE WILL BE NO DEATH BENEFIT OR ACCUMULATED VALUE. POLICY NUMBER: VP999999990 [VP999999990] POLICY SPECIFICATIONS SUMMARY OF COVERAGES EFFECTIVE ON THE POLICY DATE P11MVP P08SE5 BASIC COVERAGE FACE AMOUNT: [$50,000 100,000] INSURED: [XXXXXX XXXXXXXX XXXXXXXX] SEX AND AGE: [MALE 35 35] RISK CLASS: [STANDARD NONSMOKER P11MVP NONSMOKER] [ADDITIONAL COVERAGE FACE AMOUNT: [$50,000] INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER]] [SVER COVERAGE FACE AMOUNT: [$50,000] INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER]] [R08WC WAIVER OF CHARGES INSURED: [XXXXXX XXXXXXXX] SEX AND AGE: [MALE 35] RISK CLASS: [STANDARD NONSMOKER] COVERAGE CEASE DATE: NOV 1, 2033]] POLICY NUMBER: VP999999990 [VP999999990] POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE INSURED: [XXXXXX XXXXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 1 0.10090 2 0.10670 3 0.11170 4 0.12010 5 0.12840 6 0.13760 7 0.14930 8 0.16350 9 0.17930 10 0.19940 11 0.22110 12 0.24200 13 0.26460 14 0.27790 15 0.29380 16 0.31390 17 0.33900 18 0.37330 19 0.41180 20 0.45950 21 0.51560 22 0.57510 23 0.63890 24 0.69180 25 0.75230 26 0.82540 27 0.91630 28 1.02660 29 1.14970 30 1.27900 31 1.41510 32 1.55240 33 1.68980 34 1.83930 35 1.99170 36 2.17330 37 2.37670 38 2.64820 39 2.93180 40 3.23010 41 3.56140 42 3.92360 43 4.34570 44 4.84010 P11MVP [1] [0.10090] [2] [0.10670] [3] [0.11170] [4] [0.12010] [5] [0.12840] [6] [0.13760] [7] [0.14930] [8] [0.16350] [9] [0.17930] [10] [0.19940] [11] [0.22110] [12] [0.24200] [13] [0.26460] [14] [0.27790] [15] [0.29380] [16] [0.31390] [17] [0.33900] [18] [0.37330] [19] [0.41180] [20] [0.45950] [21] [0.51560] [22] [0.57510] [23] [0.63890] [24] [0.69180] [25] [0.75230] [26] [0.82540] [27] [0.91630] [28] [1.02660] [29] [1.14970] [30] [1.27900] [32] [1.55240] [33] [1.68980] [34] [1.83930] [35] [1.99170] [36] [2.17330] [37] [2.37670] [38] [2.64820] [39] [2.93180] [40] [3.23010] [41] [3.56140] [42] [3.92360] [43] [4.34570] [44] [4.84010] POLICY NUMBER: VP999999990 [VP999999990] POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR BASIC COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000.00 1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE 45 5.41330 46 6.04180 47 6.76170 48 7.51460 49 8.33040 50 9.24140 51 10.27540 52 11.43490 53 12.71510 54 14.10520 55 15.59360 56 17.17060 57 18.67330 58 20.26540 59 21.97380 60 23.81220 61 25.79270 62 27.64150 63 29.65380 64 31.85100 65 34.25960 66 36.90860 67 39.06360 68 41.41760 69 43.99540 70 46.82420 71 49.93700 72 53.37330 73 57.18460 74 61.42910 75 66.18210 76 71.53880 77 77.62690 78 83.33330 79 83.33330 80 83.33330 81 83.33330 82 83.33330 83 83.33330 84 83.33330 85 83.33330 86 83.33330 [45] [5.41330] [46] [6.04180] [47] [6.76170] [48] [7.51460] [49] [8.33040] [50] [9.24140] [51] [10.27540] [52] [11.43490] [53] [12.71510] [54] [14.10520] [55] [15.59360] [56] [17.17060] [57] [18.67330] [58] [20.26540] [59] [21.97380] [60] [23.81220] [61] [25.79270] [62] [27.64150] [63] [29.65380] [64] [31.85100] [65] [34.25960] [66] [36.90860] [67] [39.06360] [68] [41.41760] [69] [43.99540] [70] [46.82420] [71] [49.93700] [72] [53.37330] [73] [57.18460] [74] [61.42910] [75] [66.18210] [76] [71.53880] [77] [77.62690] [78] [83.33330] [79] [83.33330] [80] [83.33330] [81] [83.33330] [82] [83.33330] [83] [83.33330] [84] [83.33330] [85] [83.33330] [86] [83.33330] [87+ 0 P11MVP +] [0] POLICY NUMBER: VP999999990 [VP999999990] POLICY SPECIFICATIONS [TABLE OF COST OF INSURANCE RATES FOR ADDITIONAL COVERAGE INSURED: [XXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE [1] [0.10090] [2] [0.10670] [3] [0.11170] [4] [0.12010] [5] [0.12840] [6] [0.13760] [7] [0.14930] [8] [0.16350] [9] [0.17930] [10] [0.19940] [11] [0.22110] [12] [0.24200] [13] [0.26460] [14] [0.27790] [15] [0.29380] [16] [0.31390] [17] [0.33900] [18] [0.37330] [19] [0.41180] [20] [0.45950] [21] [0.51560] [22] [0.57510] [23] [0.63890] [24] [0.69180] [25] [0.75230] [26] [0.82540] [27] [0.91630] [28] [1.02660] [29] [1.14970] [30] [1.27900] [32] [1.55240] [33] [1.68980] [34] [1.83930] [35] [1.99170] [36] [2.17330] [37] [2.37670] [38] [2.64820] [39] [2.93180] [40] [3.23010] [41] [3.56140] [42] [3.92360] [43] [4.34570] [44] [4.84010] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR ADDITIONAL COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE [45] [5.41330] [46] [6.04180] [47] [6.76170] [48] [7.51460] [49] [8.33040] [50] [9.24140] [51] [10.27540] [52] [11.43490] [53] [12.71510] [54] [14.10520] [55] [15.59360] [56] [17.17060] [57] [18.67330] [58] [20.26540] [59] [21.97380] [60] [23.81220] [61] [25.79270] [62] [27.64150] [63] [29.65380] [64] [31.85100] [65] [34.25960] [66] [36.90860] [67] [39.06360] [68] [41.41760] [69] [43.99540] [70] [46.82420] [71] [49.93700] [72] [53.37330] [73] [57.18460] [74] [61.42910] [75] [66.18210] [76] [71.53880] [77] [77.62690] [78] [83.33330] [79] [83.33330] [80] [83.33330] [81] [83.33330] [82] [83.33330] [83] [83.33330] [84] [83.33330] [85] [83.33330] [86] [83.33330] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS [TABLE OF COST OF INSURANCE RATES FOR SVER COVERAGE INSURED: [XXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE [1] [0.10090] [2] [0.10670] [3] [0.11170] [4] [0.12010] [5] [0.12840] [6] [0.13760] [7] [0.14930] [8] [0.16350] [9] [0.17930] [10] [0.19940] [11] [0.22110] [12] [0.24200] [13] [0.26460] [14] [0.27790] [15] [0.29380] [16] [0.31390] [17] [0.33900] [18] [0.37330] [19] [0.41180] [20] [0.45950] [21] [0.51560] [22] [0.57510] [23] [0.63890] [24] [0.69180] [25] [0.75230] [26] [0.82540] [27] [0.91630] [28] [1.02660] [29] [1.14970] [30] [1.27900] [32] [1.55240] [33] [1.68980] [34] [1.83930] [35] [1.99170] [36] [2.17330] [37] [2.37670] [38] [2.64820] [39] [2.93180] [40] [3.23010] [41] [3.56140] [42] [3.92360] [43] [4.34570] [44] [4.84010] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS TABLE OF COST OF INSURANCE RATES FOR SVER COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX] MAXIMUM MONTHLY COST OF INSURANCE RATES PER $1000 OF NET AMOUNT AT RISK APPLICABLE TO THIS COVERAGE. POLICY MONTHLY YEAR RATE [45] [5.41330] [46] [6.04180] [47] [6.76170] [48] [7.51460] [49] [8.33040] [50] [9.24140] [51] [10.27540] [52] [11.43490] [53] [12.71510] [54] [14.10520] [55] [15.59360] [56] [17.17060] [57] [18.67330] [58] [20.26540] [59] [21.97380] [60] [23.81220] [61] [25.79270] [62] [27.64150] [63] [29.65380] [64] [31.85100] [65] [34.25960] [66] [36.90860] [67] [39.06360] [68] [41.41760] [69] [43.99540] [70] [46.82420] [71] [49.93700] [72] [53.37330] [73] [57.18460] [74] [61.42910] [75] [66.18210] [76] [71.53880] [77] [77.62690] [78] [83.33330] [79] [83.33330] [80] [83.33330] [81] [83.33330] [82] [83.33330] [83] [83.33330] [84] [83.33330] [85] [83.33330] [86] [83.33330] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE INSURED: [XXXXXX XXXXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE 1 [1] [$24.90 2 24.90 3 24.90 4 24.90 5 24.90 6 24.90 7 24.90 8 24.90 9 24.90 10 24.90 11 14.90 12 14.90 13 14.90 14 14.90 15 14.90 16 14.90 17 14.90 18 14.90 19 14.90 20 14.90 21 14.90 22 14.90 23 14.90 24 14.90 25 14.90 26 14.90 27 14.90 28 14.90 29 14.90 30 14.90 31 14.90 32 14.90 33 14.90 34 14.90 35 14.90 36 14.90 37 14.90 38 14.90 39 14.90 40 14.90 41 14.90 42 14.90 43 14.90 44 14.90 P11MVP 26.50] [2] [26.50] [3] [26.50] [4] [26.50] [5] [26.50] [6] [26.50] [7] [26.50] [8] [26.50] [9] [26.50] [10] [26.50] [11] [15.90] [12] [15.90] [13] [15.90] [14] [15.90] [15] [15.90] [16] [15.90] [17] [15.90] [18] [15.90] [19] [15.90] [20] [15.90] [21] [15.90] [22] [15.90] [23] [15.90] [24] [15.90] [25] [15.90] [26] [15.90] [27] [15.90] [28] [15.90] [29] [15.90] [30] [15.90] [31] [15.90] [32] [15.90] [33] [15.90] [34] [15.90] [35] [15.90] [36] [15.90] [37] [15.90] [38] [15.90] [39] [15.90] [40] [15.90] [41] [15.90] [42] [15.90] [43] [15.90] [44] [15.90] POLICY NUMBER: VP999999990 [VP999999990] POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR BASIC COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE 45 [45] [$14.90 46 14.90 47 14.90 48 14.90 49 14.90 50 14.90 51 14.90 52 14.90 53 14.90 54 14.90 55 14.90 56 14.90 57 14.90 58 14.90 59 14.90 60 14.90 61 14.90 62 14.90 63 14.90 64 14.90 65 14.90 66 14.90 67 14.90 68 14.90 69 14.90 70 14.90 71 14.90 72 14.90 73 14.90 74 14.90 75 14.90 76 14.90 77 14.90 78 14.90 79 14.90 80 14.90 81 14.90 82 14.90 83 14.90 84 14.90 85 14.90 86 14.90 P11MVP15.90] [46] [15.90] [47] [15.90] [48] [15.90] [49] [15.90] [50] [15.90] [51] [15.90] [52] [15.90] [53] [15.90] [54] [15.90] [55] [15.90] [56] [15.90] [57] [15.90] [58] [15.90] [59] [15.90] [60] [15.90] [61] [15.90] [62] [15.90] [63] [15.90] [64] [15.90] [65] [15.90] [66] [15.90] [67] [15.90] [68] [15.90] [69] [15.90] [70] [15.90] [71] [15.90] [72] [15.90] [73] [15.90] [74] [15.90] [75] [15.90] [76] [15.90] [77] [15.90] [78] [15.90] [79] [15.90] [80] [15.90] [81] [15.90] [82] [15.90] [83] [15.90] [84] [15.90] [85] [15.90] [86] [15.90] [87+] [0] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS [TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR ADDITIONAL COVERAGE INSURED: [XXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE [1] [$37.00] [2] [37.00] [3] [37.00] [4] [37.00] [5] [37.00] [6] [37.00] [7] [37.00] [8] [37.00] [9] [37.00] [10] [37.00] [11] [37.00] [12] [37.00] [13] [37.00] [14] [37.00] [15] [37.00] [16] [37.00] [17] [37.00] [18] [37.00] [19] [37.00] [20] [37.00] [21] [37.00] [22] [37.00] [23] [37.00] [24] [37.00] [25] [37.00] [26] [37.00] [27] [37.00] [28] [37.00] [29] [37.00] [30] [37.00] [31] [37.00] [32] [37.00] [33] [37.00] [34] [37.00] [35] [37.00] [36] [37.00] [37] [37.00] [38] [37.00] [39] [37.00] [40] [37.00] [41] [37.00] [42] [37.00] [43] [37.00] [44] [37.00] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR ADDITIONAL COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE [45] [$37.00] [46] [37.00] [47] [37.00] [48] [37.00] [49] [37.00] [50] [37.00] [51] [37.00] [52] [37.00] [53] [37.00] [54] [37.00] [55] [37.00] [56] [37.00] [57] [37.00] [58] [37.00] [59] [37.00] [60] [37.00] [61] [37.00] [62] [37.00] [63] [37.00] [64] [37.00] [65] [37.00] [66] [37.00] [67] [37.00] [68] [37.00] [69] [37.00] [70] [37.00] [71] [37.00] [72] [37.00] [73] [37.00] [74] [37.00] [75] [37.00] [76] [37.00] [77] [37.00] [78] [37.00] [79] [37.00] [80] [37.00] [81] [37.00] [82] [37.00] [83] [37.00] [84] [37.00] [85] [37.00] [86] [37.00] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS [TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR SVER COVERAGE INSURED: [XXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE [1] [$0.00] [2] [3.85] [3] [7.70] [4] [11.55] [5] [15.40] [6] [19.25] [7] [23.10] [8] [26.95] [9] [30.80] [10] [34.65] [11] [7.70] [12] [7.70] [13] [7.70] [14] [7.70] [15] [7.70] [16] [7.70] [17] [7.70] [18] [7.70] [19] [7.70] [20] [7.70] [21] [7.70] [22] [7.70] [23] [7.70] [24] [7.70] [25] [7.70] [26] [7.70] [27] [7.70] [28] [7.70] [29] [7.70] [30] [7.70] [31] [7.70] [32] [7.70] [33] [7.70] [34] [7.70] [35] [7.70] [36] [7.70] [37] [7.70] [38] [7.70] [39] [7.70] [40] [7.70] [41] [7.70] [42] [7.70] [43] [7.70] [44] [7.70] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS TABLE OF MAXIMUM MONTHLY COVERAGE CHARGES FOR SVER COVERAGE CONTINUED INSURED: [XXXXXX XXXXXXXX] POLICY COVERAGE YEAR CHARGE [45] [$7.70] [47] [7.70] [48] [7.70] [49] [7.70] [50] [7.70] [51] [7.70] [52] [7.70] [53] [7.70] [54] [7.70] [55] [7.70] [56] [7.70] [57] [7.70] [58] [7.70] [59] [7.70] [60] [7.70] [61] [7.70] [62] [7.70] [63] [7.70] [64] [7.70] [65] [7.70] [66] [7.70] [67] [7.70] [68] [7.70] [69] [7.70] [70] [7.70] [71] [7.70] [72] [7.70] [73] [7.70] [74] [7.70] [75] [7.70] [76] [7.70] [77] [7.70] [78] [7.70] [79] [7.70] [80] [7.70] [81] [7.70] [82] [7.70] [83] [7.70] [84] [7.70] [85] [7.70] [86] [7.70] POLICY NUMBER: [VP999999990] POLICY SPECIFICATIONS [TABLE OF INSURANCE CHARGES MAXIMUM MONTHLY WAIVER OF CHARGES RATES PER $1000 OF NET AMOUNT AT RISK INSURED: [XXXXXX XXXXXXXX] POLICY YEAR RATE [1] [0.06] [2] [0.06] [3] [0.06] [4] [0.07] [5] [0.07] [6] [0.07] [7] [0.07] [8] [0.07] [9] [0.07] [10] [0.07] [11] [0.07] [13] [0.07] [21] [0.19] [23] [0.30] [24] [0.37] [25] [0.44]]
Appears in 1 contract
Samples: Pacific Select Exec Separate Account of Pacific Life & Annui
