Common use of RECAPTURE PERIOD Clause in Contracts

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 years. ING VUL3 (4/29/99) A3 06/25/99 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ 2-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l1+ [percentage] [percentage] [percentage] ------------------------------------------------------------------ b. Where a substandard table rating is applied, the standard annual reinsurance premium rate will be increased by [percentage] per table. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- Renewal Years [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- All Years [percentage] -------------------------------------------------------------------- d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 [number] years. ING VUL3 [redacted] VUL3NY (4/29/9911/15/2000) A3 06/25/99 B1 10/20/2000 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ ------------------------------------------------------------------- Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ 2------------------------------------------------------------------- 1-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l1+ ------------------------------------------------------------------- ll+ [percentage] [percentage] [percentage] ------------------------------------------------------------------------------------------------------------------------------------- b. Where a substandard table rating is applied, the standard annual reinsurance premium rate underlying COI rates will be increased by [percentage] 25% per table, and then multiplied by the percentage above. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- Renewal Years Year [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- All Years [percentage] -------------------------------------------------------------------- d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 [number] years. ING [redacted] VUL3 (4/29/99) A3 06/25/99 06/28/99 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ ------------------------------------------------------------------------------- Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ ------------------------------------------------------------------------------- 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ ------------------------------------------------------------------------------- 2-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l1------------------------------------------------------------------------------- 11+ [percentage] [percentage] [percentage] ------------------------------------------------------------------------------------------------------------------------------------------------- b. Where a substandard table rating is applied, the standard annual reinsurance premium rate underlying COI rates will be increased by [percentage] 25% per table, and then multiplied by the percentage above. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- ---------------------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- ---------------------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- ---------------------------------------------------------------------------------- Renewal Years [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- ---------------------------------------------------------------------------------- ---------------------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- ---------------------------------------------------------------------------------- All Years [percentage] ------------------------------------------------------------------------------------------------------------------------------------------------------ d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 [number] years. ING VUL3 [redacted] VUL3NY (4/29/9911/15/2000) A3 06/25/99 A-3 10-/20/2000 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ 21-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l111+ [percentage] [percentage] [percentage] ------------------------------------------------------------------ b. Where a substandard table rating is applied, the standard annual reinsurance premium rate will be increased by [percentage] per table. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- Renewal Years Year [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- All Years [percentage] -------------------------------------------------------------------- d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 [number] years. ING VUL3 LNL VUL3NY (4/29/9911/15/2000) A3 06/25/99 10/20/2000 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 [dollar amount] of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ ----------------------------------------------------------------- Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ 2----------------------------------------------------------------- 1-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l1----------------------------------------------------------------- 11+ [percentage] [percentage] [percentage] ----------------------------------------------------------------------------------------------------------------------------------- b. Where a substandard table rating is applied, the standard annual reinsurance premium rate underlying COI rates will be increased by [percentage] per table, and then multiplied by the percentage above. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- ------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- ------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- ------------------------------------------------------------------- Renewal Years [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- ------------------------------------------------------------------- ------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- ------------------------------------------------------------------- All Years [percentage] --------------------------------------------------------------------------------------------------------------------------------------- d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.

RECAPTURE PERIOD. The minimum number of years for a cession to be reinsured before it is eligible for recapture is 10 [number] years. ING SR VUL3 (4/29/99) A3 06/25/99 A1 06/28/99 SCHEDULE B REINSURANCE PREMIUMS - YEARLY RENEWABLE TERM BASIS 1. LIFE INSURANCE: a. For the base policy and the Other Insured Rider, the standard annual reinsurance premium rates per $1000 of Reinsurance Risk Amount are the net of the ALB Annual Cost of Insurance (COI) rates attached to this Schedule B and the following allowances: ------------------------------------------------------------------ ------------------------------------------------------------------------------------- Years Preferred Std Non-Tobacco Tobacco ------------------------------------------------------------------ ------------------------------------------------------------------------------------- 1 [percentage] [percentage] [percentage] ------------------------------------------------------------------ ------------------------------------------------------------------------------------- 2-10 [percentage] [percentage] [percentage] ------------------------------------------------------------------ l1------------------------------------------------------------------------------------- 11+ [percentage] [percentage] [percentage] ------------------------------------------------------------------------------------------------------------------------------------------------------- b. Where a substandard table rating is applied, the standard annual reinsurance premium rate underlying COI rates will be increased by [percentage] per table, and then multiplied by the percentage above. c. Flat Extra reinsurance premiums are the following percentages of such premiums charged the insured: -------------------------------------------------------------------- -------------------------------------------------------------------------------------- Permanent flat extra premiums (for more than 5 years duration) -------------------------------------------------------------------- -------------------------------------------------------------------------------------- First Year [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------------------------- Renewal Years [percentage] -------------------------------------------------------------------- -------------------------------------------------------------------- -------------------------------------------------------------------------------------- -------------------------------------------------------------------------------------- Temporary flat extra premiums (for 5 years or less duration) -------------------------------------------------------------------- -------------------------------------------------------------------------------------- All Years [percentage] ---------------------------------------------------------------------------------------------------------------------------------------------------------- d. There will be no reinsurance premium charged for the Automatic Increasing Benefit Rider.