Common use of Renewal of Insurance Clause in Contracts

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Single Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== *based on the younger insured. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET AD101 VUL REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== -------------------------------------------------------------------------------- Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- Single Life 0-65 $__________ $ N/A 66-75 $__________ $_________ $ $ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== *based on the younger insured. NYLIAC ADVANCED MARKET $ $ -------------------------------------------------------------------------------- AD101 VUL REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- _____________________________________ Signature ------------------------------------- _____________________________________ Type or Print Name ------------------------------------- _____________________________________ Title ------------------------------------- _____________________________________ Date NYLIAC ADVANCED MARKET AD101 VUL REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET 2001 COLI REINSURANCE AGREEMENT SCHEDULE C CEDENT'S CORPORATE RETENTION LIMITS =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- ---- ------ ----------- Single Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== *based on the younger insured. $ $ $ $ $ NYLIAC ADVANCED MARKET 2001 COLI REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- ----- ------ ------------------------ Single Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- ----- ------ ------------------------ Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== ** based on the younger insured. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?? Answer: _____ Yes _______ No (If your answer is yes, please provide a copy of the closing agreement.)

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SVUL / SUL Reinsurance Agreement SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== ----------------------------------------------------------------------------- Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Single ----------------------------------------------------------------------------- Joint Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== *based on the younger insured. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT ----------------------------------------------------------------------------- SVUL / SUL Reinsurance Agreement EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- _____________________________________ Signature ------------------------------------- _____________________________________ Type or Print Name ------------------------------------- _____________________________________ Title ------------------------------------- _____________________________________ Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SVUL / SUL Reinsurance Agreement EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- ----- ------ ------------------------ Single Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $ 5 $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ------------------------------------------------------------------------------------------------------------------- ----- ------ ------------------------ Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== ** based on the younger insured. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- ------------------------------------ Signature ------------------------------------- ------------------------------------ Type or Print Name ------------------------------------- ------------------------------------ Title ------------------------------------- ------------------------------------ Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: 1. Are you either (a) a company that is subject to U.S. taxation directly under the provisions of subchapter L of chapter 1 of the Internal Revenue Code (i.e., an insurance company liable for filing Form 1120L or Form 1120-PC), or (b) a company that is subject indirectly to U.S. taxation under the provisions of subpart F of subchapter N of chapter 1 of the Internal Revenue Code (i.e., a "controlled foreign corporation" with the meaning of Internal Revenue Code Section 957)? Answer: _____ Yes _______ No 2. If your answer to 1. is no, have you entered into a closing agreement with the Internal Revenue Service to be subject to U.S. taxation with respect to reinsurance income pursuant to Treasury Regulation Section 1.848-2(h)(2)(ii)(B)?? Answer: _____ Yes _______ No (If your answer is yes, please provide a copy of the closing agreement.)