Common use of REINSURANCE COVERAGE Clause in Contracts

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below or on a facultative basis, subject to the requirements set forth in Section B below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance as set forth below, Reinsurer will participate in a reinsurance pool whereby Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. The requirements for automatic reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered on a facultative basis by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance under this Agreement for the same risk and same life. 4. The maximum issue age on any risk will be age 85. 5. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below or on a facultative basis, subject to the requirements set forth in Section B below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance as set forth below, Reinsurer will participate in a reinsurance pool whereby Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. The requirements for automatic reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered on a facultative basis by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance under this Agreement for the same risk and same life. 4. The maximum issue age on any risk will be age 85. 5. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's its maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. B. A Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application.application with the exception of the Foreign National Program as specified in Schedule C. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered new policy on the life of an insured who was previously submitted to the Reinsurer on a facultative basis will qualify for Automatic Reinsurance if at least 3 years have elapsed since the previous policy was submitted on a facultative basis by the Ceding Company to the Reinsurer or any other company current pool reinsurer under this Agreement, unless the original reason for submitting facultatively no longer applies (for example, with Jumbo policies, then the three (3) year rule will not qualify for automatic reinsurance under this Agreement for the same risk and same lifebe enforced). 4. The maximum issue age on any risk will be age 85. 590. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued Single Life 12/01/2002 -- Amendment 2 Between HLAIC and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on ERAC previous insurance or insurance currently applied for. B Requirements for Facultative Reinsurance 1. If the requirements for Automatic Reinsurance are met, but the Ceding Company prefers to apply for Facultative Reinsurance with the Reinsurer, or if the requirements for Automatic Reinsurance are not met and the Ceding Company applies for Facultative Reinsurance with the Reinsurer, then the Ceding Company must submit to the Reinsurer all the papers, facsimiles, or sufficient evidence agreed upon between the Ceding Company and the Reinsurer relating to the insurability of the individual life for Facultative Reinsurance. 2. For applications for Facultative Reinsurance, the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of the individual risk to the Reinsurer. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The final underwriting offer on the individual risk will automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. 3. Notwithstanding the above, if the requirements for Automatic Reinsurance are met except that the face amount of reinsurance applied for is greater than the Automatic Issue Limit, but does not exceed the Automatic Processing Limit, then the Ceding Company will submit to the Lead Reinsurer (as designated in Schedule B) all papers relating to the insurability of the individual risk. The Lead Reinsurer shall review the papers to determine if the risk should be reinsured by the pool, and, if so, on what basis. The Lead Reinsurer shall provide the Ceding Company with a response within 24 hours of receipt of the papers. Approval of the Lead Reinsurer shall be binding on all other pool members. This process shall be known as Automatic Processing and subject to the limitations in Exhibit II.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below or on a facultative basis, subject to the requirements set forth in Section B below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance as set forth below, Reinsurer will participate in a reinsurance pool whereby Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. The requirements for automatic reinsurance are as follows: 1. Each life The individual must be a resident of the United States or Canada at the time of application. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered on a facultative basis by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance under this Agreement for the same risk and same life. 4. The maximum issue age on any risk will be age 8590. 5. The mortality rating on each individual risk must not exceed Table 16, Table P, or 500%, [Redacted] or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis on a life must not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life risk must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each lifethe insured, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. B. A Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application.application with the exception of the Foreign National Program as specified in Schedule C. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered new policy on the life of an insured who was previously submitted to the Reinsurer on a facultative basis will qualify for Automatic Reinsurance if at least 3 years have elapsed since the previous policy was submitted on a facultative basis by the Ceding Company to the Reinsurer or any other company current pool reinsurer under this Agreement, unless the original reason for submitting facultatively no longer applies (for example, with Jumbo policies, then the three (3) year rule will not qualify for automatic reinsurance under this Agreement for the same risk and same lifebe enforced). 4. The maximum issue age will be 90. B Requirements for Facultative Reinsurance Single Life 12/01/2002 -- Amendment 2 Between HLIC and RGA 1. If the requirements for Automatic Reinsurance are met, but the Ceding Company prefers to apply for Facultative Reinsurance with the Reinsurer, or if the requirements for Automatic Reinsurance are not met and the Ceding Company applies for Facultative Reinsurance with the Reinsurer, then the Ceding Company must submit to the Reinsurer all the papers, facsimiles, or sufficient evidence agreed upon between the Ceding Company and the Reinsurer relating to the insurability of the individual life for Facultative Reinsurance. 2. For applications for Facultative Reinsurance, the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of the individual risk to the Reinsurer. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The final underwriting offer on any the individual risk will be age 85automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. 53. The mortality rating on each risk must not exceed Table 16Notwithstanding the above, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets requirements for Automatic Reinsurance are met except that the preceding requirements. 6. The total face amount of insurance reinsurance applied for is greater than the Plans of Insurance in Schedule A to be reinsured on an automatic basis must Automatic Issue Limit, but does not exceed the Automatic Issue Limits Processing Limit, then the Ceding Company will submit to the Lead Reinsurer (as designated in Schedule B) all papers relating to the insurability of the individual risk. The Lead Reinsurer shall review the papers to determine if the risk should be reinsured by the pool, and, if so, on what basis. The Lead Reinsurer shall provide the Ceding Company with a response within 24 hours of receipt of the papers. Approval of the Lead Reinsurer shall be binding on all other pool members. This process shall be known as Automatic Processing and subject to the limitations in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. Any proposed changes to the Ceding Company's standard underwriting practices or guidelines shall be submitted to the Reinsurer for written approval prior to implementation that impact business reinsured under this Agreement (i.e. underwriting manuals, age and amount underwriting cards, and special underwriting programs). 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The minimum issue age will be 18 and the maximum issue age on any risk will be age 8590. 5. The As shown in Exhibits II and III, the mortality rating on each risk life must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. P. However, one life may be uninsurable if the other life meets the preceding requirements.. Last Survivor Excess Pool Between HLIC and Transamerica Effective 01/01/02 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits and Automatic Binding Limits in Exhibit IIExhibits II and III. 7. The total amount of insurance issued and applied for in all companies on each life risk must not exceed the jumbo limits as stated in Exhibit IIExhibits II and III. 8. The Ceding Company shall retain it's its maximum limit of retention for the age and risk classification of each life, as shown in Exhibit IIExhibits II and III, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any and all modifications to the Ceding Company's underwriting practices and guidelines that impact the reinsurance under this Agreement, will be as stringent as those in place at the time of entering into this Agreement, unless agreed upon by the Reinsurer. The Reinsurer reserves the right to terminate this Agreement for new business after discussion with the Ceding Company and (90) ninety days written notice if it deems such modifications to be less conservative than those previously in place. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The minimum issue age will be 18 and the maximum issue age on any risk will be age 85.90. Last Survivor Excess Pool Between HLIC and Revios Re Effective 01/01/2002 5. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements.[Redacted] 6. [Redacted] 7. [Redacted] 8. [Redacted] B. Requirements for Facultative Reinsurance 1. If the requirements for Automatic Reinsurance are met, but the Ceding Company prefers to apply for Facultative Reinsurance with the Reinsurer, or if the requirements for Automatic Reinsurance are not met and the Ceding Company applies for Facultative Reinsurance with the Reinsurer, then prior to issue the Ceding Company must submit to the Reinsurer all the documents, facsimiles, or sufficient evidence agreed upon between the Ceding Company and the Reinsurer relating to the insurability of each life for Facultative Reinsurance. a. For applications for Facultative Reinsurance, the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of each life to the Reinsurer, with the exception of situations where one life is uninsurable. In those situations, only the papers or facsimiles on the insurable life will be sent. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The total final underwriting offer on the risk will automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. b. For applications for Facultative Reinsurance other than for size (i.e., facultative for medical reasons), the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of each life to the Reinsurer, with the exception of situations where one life is standard or preferred, only the papers or facsimiles on the non-standard or non-preferred life will be sent. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The final underwriting offer on the risk will automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. 3. Notwithstanding the above, if the requirements for Automatic Reinsurance are met except that the face amount of insurance reinsurance applied for is greater than the Plans of Insurance in Schedule A to be reinsured on an automatic basis must Last Survivor Excess Pool Between HLIC and Revios Re Effective 01/01/2002 Automatic Issue Limit, but does not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed Processing Limit, then the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for will submit to the age and risk classification Lead Reinsurer (as designated in Schedule B) all papers relating to the insurability of each life. The Lead Reinsurer shall review the papers to determine if the risk should be reinsured by the pool, and, if so, on what basis. The Lead Reinsurer shall provide the Ceding Company with a response within 24 hours of receipt of the papers. Approval of the Lead Reinsurer shall be binding on all other pool members. This process shall be known as shown Automatic Processing and subject to the limitations in Exhibit II, either on previous insurance or insurance currently applied forExhibits II and III.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application.application with the exception of the Foreign National Program as specified in Schedule C. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. Any proposed changes to the Ceding Company's standard underwriting practices or guidelines shall be submitted to the Reinsurer for written approval prior to implementation that impact business reinsured under this Agreement (i.e. underwriting manuals, age and amount underwriting cards, and special underwriting programs). 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The maximum issue age on any risk will be age 8590. 5. The As shown in Exhibit II, the mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements.P. Single Life Excess Pool Between HLIC and Transamerica Effective 11/01/2002 Fac / 12/01/2002 Auto 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits and Automatic Binding Limits in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life risk must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's its maximum limit of retention for the age and risk classification of each lifethe insured, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. B. A Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application.application with the exception of the Foreign National Program as specified in Schedule C. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered new policy on the life of an insured who was previously submitted to the Reinsurer on a facultative basis will qualify for Automatic Reinsurance if at least 3 years have elapsed since the previous policy was submitted on a facultative basis by the Ceding Company to the Reinsurer or any other company current pool reinsurer under this Agreement, unless the original reason for submitting facultatively no longer applies (for example, with Jumbo policies, then the three (3) year rule will not qualify for automatic reinsurance under this Agreement for the same risk and same lifebe enforced). 4. The maximum issue age will be 90. Single Life 12/01/2002 -- Amendment 2 Between HLIC and ERAC B Requirements for Facultative Reinsurance 1. If the requirements for Automatic Reinsurance are met, but the Ceding Company prefers to apply for Facultative Reinsurance with the Reinsurer, or if the requirements for Automatic Reinsurance are not met and the Ceding Company applies for Facultative Reinsurance with the Reinsurer, then the Ceding Company must submit to the Reinsurer all the papers, facsimiles, or sufficient evidence agreed upon between the Ceding Company and the Reinsurer relating to the insurability of the individual life for Facultative Reinsurance. 2. For applications for Facultative Reinsurance, the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of the individual risk to the Reinsurer. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The final underwriting offer on any the individual risk will be age 85automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. 53. The mortality rating on each risk must not exceed Table 16Notwithstanding the above, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets requirements for Automatic Reinsurance are met except that the preceding requirements. 6. The total face amount of insurance reinsurance applied for is greater than the Plans of Insurance in Schedule A to be reinsured on an automatic basis must Automatic Issue Limit, but does not exceed the Automatic Issue Limits Processing Limit, then the Ceding Company will submit to the Lead Reinsurer (as designated in Schedule B) all papers relating to the insurability of the individual risk. The Lead Reinsurer shall review the papers to determine if the risk should be reinsured by the pool, and, if so, on what basis. The Lead Reinsurer shall provide the Ceding Company with a response within 24 hours of receipt of the papers. Approval of the Lead Reinsurer shall be binding on all other pool members. This process shall be known as Automatic Processing and subject to the limitations in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A. A. B. A Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application.application with the exception of the Foreign National Program as specified in Schedule C. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life risk falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered new policy on the life of an insured who was previously submitted to the Reinsurer on a facultative basis will qualify for Automatic Reinsurance if at least 3 years have elapsed since the previous policy was submitted on a facultative basis by the Ceding Company to the Reinsurer or any other company current pool reinsurer under this Agreement, unless the original reason for submitting facultatively no longer applies (for example, with Jumbo policies, then the three (3) year rule will not qualify for automatic reinsurance under this Agreement for the same risk and same lifebe enforced). 4. The maximum issue age will be 90. B Requirements for Facultative Reinsurance Single Life 12/01/2002 -- Amendment 2 Between HLIC and Munich 1. If the requirements for Automatic Reinsurance are met, but the Ceding Company prefers to apply for Facultative Reinsurance with the Reinsurer, or if the requirements for Automatic Reinsurance are not met and the Ceding Company applies for Facultative Reinsurance with the Reinsurer, then the Ceding Company must submit to the Reinsurer all the papers, facsimiles, or sufficient evidence agreed upon between the Ceding Company and the Reinsurer relating to the insurability of the individual life for Facultative Reinsurance. 2. For applications for Facultative Reinsurance, the Ceding Company will send copies of all of the papers or facsimiles relating to the insurability of the individual risk to the Reinsurer. After the Reinsurer has examined the request, the Reinsurer will promptly notify the Ceding Company of the underwriting offer subject to additional requirements or the final underwriting offer. The final underwriting offer on any the individual risk will be age 85automatically terminate upon the earlier of the withdrawal of the application or 120 days from the date of the final offer, unless coverage is accepted or put in place earlier. 53. The mortality rating on each risk must not exceed Table 16Notwithstanding the above, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets requirements for Automatic Reinsurance are met except that the preceding requirements. 6. The total face amount of insurance reinsurance applied for is greater than the Plans of Insurance in Schedule A to be reinsured on an automatic basis must Automatic Issue Limit, but does not exceed the Automatic Issue Limits Processing Limit, then the Ceding Company will submit to the Lead Reinsurer (as designated in Schedule B) all papers relating to the insurability of the individual risk. The Lead Reinsurer shall review the papers to determine if the risk should be reinsured by the pool, and, if so, on what basis. The Lead Reinsurer shall provide the Ceding Company with a response within 24 hours of receipt of the papers. Approval of the Lead Reinsurer shall be binding on all other pool members. This process shall be known as Automatic Processing and subject to the limitations in Exhibit II. 7. The total amount of insurance issued and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any and all modifications to the Ceding Company's underwriting practices and guidelines that impact the reinsurance under this Agreement, will be as stringent as those in place at the time of entering into this Agreement, unless agreed upon by the Reinsurer. The Reinsurer reserves the right to terminate this Agreement for new business after discussion with the Ceding Company and (90) ninety days written notice if it deems such modifications to be less conservative than those previously in place. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The minimum issue age will be 18 and the maximum issue age on any risk will be age 85.90. Last Survivor Excess Pool Between HLAIC and Revios Re Effective 01/01/2002 5. The As shown in Exhibits II and III, the mortality rating on each risk life must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. P. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits and Automatic Binding Limits in Exhibit IIExhibits II and III. 7. The total amount of insurance issued and applied for in all companies on each life risk must not exceed the jumbo limits as stated in Exhibit IIExhibits II and III. 8. The Ceding Company shall retain it's its maximum limit of retention for the age and risk classification of each life, as shown in Exhibit IIExhibits II and III, either on previous insurance or insurance currently applied for.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below or on a facultative basis, subject to the requirements set forth in Section B below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life The individual risk must be a resident of the United States or Canada at the time of application. 2. Each life The individual risk must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life falling into the category of special underwriting programs This individual risk will be excluded from this Agreement unless previously agreed determined to by be a true Table 1, 2, 3 or 4 based on the Reinsurer via Ceding Company's normal underwriting guidelines and will be issued as a written amendmentStandard Risk. 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The minimum issue age on any risk will be age 5 and the maximum issue age on any risk will be age 8575. 5. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits and Automatic Binding Limits in Exhibit II. 76. The total amount of insurance issued and applied for in all companies on each life risk must not exceed the jumbo limits as stated in Exhibit II. 87. The Ceding Company shall will retain it's maximum limit of retention for the age and risk classification of each life, as risk up to the Ceding Company's available retention on that risk. The Ceding Company's Retention Limits are shown in Exhibit II. Single Life Enhanced Standard Pool Between HLAIC and RGA Effective 12/01/2002 B. Basis of Reinsurance Reinsurance under this Agreement will be on the basis as stated in Schedule B. C. Policy Forms When requested, either on previous the Ceding Company will furnish the Reinsurer with a copy of each policy, rider, rate book, and applicable sales or marketing material that applies to the life insurance or insurance currently applied forreinsured hereunder.

REINSURANCE COVERAGE. Reinsurance under this Agreement will apply to insurance issued by the Ceding Company on the Plans of Insurance shown in Schedule A. Such Plans of Insurance shall be reinsured with the Reinsurer on an automatic basis, subject to the requirements set forth in Section A below below, or on a facultative basis, subject to the requirements set forth in Section B below, or on a facultative obligatory basis, subject to the requirements set forth in Section C below. The specifications for all reinsurance under this Agreement are provided in Schedule A.B. A. Requirements for Automatic Reinsurance For risks which meet the requirements for automatic reinsurance Automatic Reinsurance as set forth below, the Reinsurer will participate in a reinsurance pool whereby the Reinsurer will automatically reinsure a portion of the insurance risks as indicated in Schedule A. B. The requirements for automatic reinsurance Automatic Reinsurance are as follows: 1. Each life must be a resident of the United States or Canada at the time of application. 2. Each life must be underwritten according to the Ceding Company's standard underwriting practices and guidelines. Any life falling into the category of special underwriting programs will be excluded from this Agreement unless previously agreed to by the Reinsurer via a written amendment. Any proposed changes to the Ceding Company's standard underwriting practices or guidelines shall be submitted to the Reinsurer for written approval prior to implementation that impact business reinsured under this Agreement (i.e. underwriting manuals, age and amount underwriting cards, and special underwriting programs). 3. Any risk offered on a facultative basis other than for size by the Ceding Company to the Reinsurer or any other company will not qualify for automatic reinsurance Automatic Reinsurance under this Agreement for the same risk and same life. 4. The minimum issue age will be 18 and the maximum issue age on any risk will be age 85. 590. The mortality rating on each risk must not exceed Table 16, Table P, or 500%, or its equivalent, as shown in the Ceding Company's retention schedule, on a flat extra premium basis. However, one life may be uninsurable if the other life meets the preceding requirements. 6. The total face amount of insurance for the Plans of Insurance in Schedule A to be reinsured on an automatic basis must not exceed the Automatic Issue Limits in Exhibit II. 7. The total amount of insurance issued Last Survivor Excess Pool Between HLAIC and applied for in all companies on each life must not exceed the jumbo limits as stated in Exhibit II. 8. The Ceding Company shall retain it's maximum limit of retention for the age and risk classification of each life, as shown in Exhibit II, either on previous insurance or insurance currently applied for.Transamerica Effective 01/01/02