Common use of Single Life Excess Pool Clause in Contracts

Single Life Excess Pool. Amendment 8 Between HLAIC and TOLIC Effective 11/01/2002 Facultative 12/01/2002 Automatic In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY By: /s/ Jennifer M. Fosslxxx Xxxxxx: /s/ Glenn F. Cunninghxx ------------------------------ ------------------------------ Name: Jennifer M. Fosslxxx Xxxx: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident Title: Executive Vice President Date: September 26, 2006 Date: September 26, 2006 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Xxxxxx: /s/ Michael J. Roscoe ------------------------------ ------------------------------ Name: Thomas P. Kalmbacx Xxxe: Michael J. Roscoe Xxxxx: Xxxx Xxxsident, Individual Title: Vice President & Actuary Life Product Date: 12/20/2006 Date: 12/20/2006 Single Life Excess Pool -- Amendment 8 Between HLAIC and TOLIC Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE CEDING COMPANY ----------------------------------------------------------------------------------------- UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider (base or other insured) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- Hartford Stag Wall Street Variable Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Single Life Excess Pool -- Amendment 8 Between HLAIC and TOLIC Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.

Single Life Excess Pool. Amendment 8 6 Between HLAIC and TOLIC Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1January 18, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY Name: Glenn Cunningham Xame: James Grover By: /s/ Jennifer M. Fosslxxx Xxxxxx/x/ Xxxxn Cunningham Xxxxxt: /s/ Glenn F. Cunninghxx James Grover ------------------------------ ------------------------------ Name: Jennifer M. Fosslxxx Xxxx: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident Title: Executive Senior Vice President Title: Vice President Date: September 2630, 2006 2005 Date: September 2630, 2006 2005 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Xxxxxx: /s/ Michael J. Mike Roscoe ------------------------------ ------------------------------ Name: Thomas P. Kalmbacx Xxxe: Michael J. Mike Roscoe XxxxxTitle: Xxxx XxxsidentXxxxxxxxt Vice President, Individual IL Title: Vice President & Actuary Life President, ILD Product Product Development Development Date: 12/20/2006 10/7/2005 Date: 12/20/2006 10/7/2005 Single Life Excess Pool -- Amendment 8 6 Between HLAIC and TOLIC Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT C FOREIGN NATIONAL PROGRAM EFFECTIVE JULY 01JANUARY 18, 2005 The Reinsurer and the Ceding Company agree that the Ceding Company's Foreign National business will be reinsured under the terms of this Agreement except for the following differences: TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE REINSURANCE Individual life policies under this program will be on a first dollar quota share basis FOREIGN NATIONAL REINSURANCE POOL SHARE [Redacted] CEDING COMPANY ----------------------------------------------------------------------------------------- UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider COMPANY'S RETENTION [Redacted] FOREIGN NATIONAL AUTOMATIC POOL BINDING LIMIT (base or other insuredEXCLUDES RETENTION) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality For issue ages through 75 and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- Hartford Stag Wall Street Variable Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Table D: [Redacted] JUMBO LIMIT: [Redacted] UNDERWRITING GUIDELINES [Redacted] Single Life Excess Pool -- Amendment 8 6 Between HLAIC and TOLIC Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto SCHEDULE A PLANS COVERED UNDER THIS C FOREIGN NATIONAL PROGRAM EFFECTIVE JANUARY 18, 2005 [Redacted] Single Life Excess Pool -- Amendment 6 Between HLAIC and TOLIC Effective 11/01/2002 Fac 12/01/2002 Auto AMENDMENT 7 EFFECTIVE MARCH 18, 2005 TO THE AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE JULY 01NOVEMBER 1, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE 2002 FOR FACULTATIVE BUSINESS EFFECTIVE DECEMBER 1, 2002 FOR AUTOMATIC BUSINESS BETWEEN HARTFORD LIFE AND ANNUITY INSURANCE COMPANY ("CEDING COMPANY") AND TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY ("REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.")

Single Life Excess Pool. Amendment 8 7 Between HLAIC HLIC and TOLIC Munich Re Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1January 18, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE MUNICH AMERICAN REASSURANCE COMPANY By: /s/ Jennifer M. Fosslxxx Xxxxxx[ILLEGIBLE] Attest: /s/ Glenn F. Cunninghxx [ILLEGIBLE] ------------------------------ ------------------------------ Name: Jennifer M. Fosslxxx Xxxx[ILLEGIBLE] Name: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident [ILLEGIBLE] Title: Executive Assistant Vice President & Title: Vice President Actuary Date: September 26August 31, 2006 2005 Date: September 26, 2006 8-31-05 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Xxxxxx: /s/ Michael J. Roscoe ------------------------------ ------------------------------ Name: Thomas P. Kalmbacx Xxxe: Michael J. Roscoe Xxxxx: Xxxx Xxxsident, Individual Xxxxxxxxx Vice President Title: Vice President & Actuary Life Product Date: 12/20/2006 9/6/2005 Date: 12/20/2006 9/6/2005 Single Life Excess Pool -- Amendment 8 7 Between HLAIC HLIC and TOLIC Munich Re Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT C FOREIGN NATIONAL PROGRAM EFFECTIVE JULY 01JANUARY 18, 2005 The Reinsurer and the Ceding Company agree that the Ceding Company's Foreign National business will be reinsured under the terms of this Agreement except for the following differences: TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE REINSURANCE Individual life policies under this program will be on a first dollar quota share basis FOREIGN NATIONAL REINSURANCE POOL SHARE [Redacted] CEDING COMPANY ----------------------------------------------------------------------------------------- UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider COMPANY'S RETENTION [Redacted] FOREIGN NATIONAL AUTOMATIC POOL BINDING LIMIT (base or other insuredEXCLUDES RETENTION) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality For issue ages through 75 and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- Hartford Stag Wall Street Variable Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Table D: JUMBO LIMIT: [Redacted] UNDERWRITING GUIDELINES [Redacted] Single Life Excess Pool -- Amendment 8 7 Between HLAIC HLIC and TOLIC Munich Re Effective 11/01/2002 Facultative Fac 12/01/2002 Automatic Auto SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT C FOREIGN NATIONAL PROGRAM EFFECTIVE JANUARY 18, 2005 Single Life Excess Pool -- Amendment 7 Between HLIC and Munich Re Effective 11/01/2002 Fac 12/01/2002 Auto AMENDMENT 8 EFFECTIVE JULY 01, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE AUTOMATIC AND FACULTATIVE YEARLY RENEWABLE TERM REINSURANCE AGREEMENT EFFECTIVE NOVEMBER 1, 2002 FOR FACULTATIVE BUSINESS EFFECTIVE DECEMBER 1, 2002 FOR AUTOMATIC BUSINESS BETWEEN HARTFORD LIFE INSURANCE COMPANY ("CEDING COMPANY") AND MUNICH AMERICAN REASSURANCE COMPANY ("REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.")

Single Life Excess Pool. Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE RGA REINSURANCE COMPANY By: /s/ Jennifer M. Fosslxxx Larry J Shorey Xxxxxx: /s/ Glenn F. Cunninghxx /x/ M. Breinea ------------------------------ ------------------------------ Name: Jennifer M. Fosslxxx Larry J Shorey Xxxx: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident M. Breinea Title: Executive Sales Xxxx Xxxxident Title: Sales Vice President Date: September 26, 2006 10/26/05 Date: September 26, 2006 10/26/05 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Kalmbach Xxxxxx: /s/ Michael J. /x/ Xxke Roscoe ------------------------------ ------------------------------ Name: Thomas P. Kalmbacx XxxeKalmbach Xxxx: Michael J. Xxke Roscoe XxxxxTitle: Assixxxxx Xxxx XxxsidentPresident, Individual Title: Vice President & Actuary President, Individual Individual Life Product Life Product Development Development Date: 12/20/2006 11/11/2005 Date: 12/20/2006 11/11/2005 Single Life Excess Pool -- Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE CEDING COMPANY ----------------------------------------------------------------------------------------- Individual life insurance issued by the Ceding Company UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider (base or other insured) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life II Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Hartford Stag Wall Street Variable Universal Life Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Single Life Excess Pool -- Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.

Single Life Excess Pool. Amendment 8 6 Between HLAIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE RGA REINSURANCE COMPANY By: /s/ Jennifer M. Fosslxxx Larry J. Shorey Xxxxxx: /s/ Glenn F. Cunninghxx ------------------------------ ------------------------------ /x/ M. Breinea -------------------------------- -------------------------------- Name: Jennifer M. Fosslxxx Larry J. Shorey Xxxx: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident M. Breinea Title: Executive Sales Vxxx Xxxxxxent Title: Sales Vice President Date: September 26, 2006 10/26/05 Date: September 26, 2006 10/26/05 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Kalmbach Xxxxxx: /s/ Michael J. /x/ Xike Roscoe ------------------------------ ------------------------------ -------------------------------- -------------------------------- Name: Thomas P. Kalmbacx XxxeKalmbach Xxxx: Michael J. Xxke Roscoe XxxxxTitle: Assistxxx Xxxx XxxsidentXxesident, Individual Title: Vice President & Actuary President, Individual Life Individual Life Product Product Development Development Date: 12/20/2006 11/11/2005 Date: 12/20/2006 11/11/2005 Single Life Excess Pool -- Amendment 8 6 Between HLAIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE CEDING COMPANY ----------------------------------------------------------------------------------------- Individual life insurance issued by the Ceding Company UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider (base or other insured) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life II Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- ----------------------------------------------------------------------------------------------------------- Hartford Stag Wall Street Variable Universal Life Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Single Life Excess Pool -- Amendment 8 6 Between HLAIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.

Single Life Excess Pool. Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic In witness of the foregoing, the Ceding Company and the Reinsurer have, by their respective officers, hereby executed this Amendment in duplicate on the dates indicated below, with an effective date of July 1, 2005. TRANSAMERICA OCCIDENTAL LIFE INSURANCE RGA REINSURANCE COMPANY By: /s/ Jennifer M. Fosslxxx XxxxxxLarry J Shorey Xxxest: /s/ Glenn F. Cunninghxx M. Breinea ------------------------------ ------------------------------ Name: Jennifer Larry J Shorey Name: M. Fosslxxx Xxxx: Glenn F. Cunninghxx Xxxxx: Xxxx Xxxsident Breinea Title: Executive Xxxxx Xice President Title: Sales Vice President Date: September 26, 2006 10/26/05 Date: September 26, 2006 10/26/05 HARTFORD LIFE AND ANNUITY INSURANCE COMPANY By: /s/ Thomas P. Kalmbacx Xxxxxx: /s/ Michael J. Mike Roscoe ------------------------------ ------------------------------ Name: Thomas P. Kalmbacx Xxxe: Michael J. Mike Roscoe XxxxxTitle: Xxxx XxxsidentXxxxxxxnt Vice President, Individual Title: Vice President & Actuary President, Individual Individual Life Product Life Product Development Development Date: 12/20/2006 11/11/2005 Date: 12/20/2006 11/11/2005 Single Life Excess Pool -- Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 TYPE OF BUSINESS INDIVIDUAL LIFE INSURANCE ISSUED BY THE CEDING COMPANY ----------------------------------------------------------------------------------------- Individual life insurance issued by the Ceding Company UPSCALE PRODUCTS RIDERS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Stag Protector Variable Universal Life Other Covered Insured Stag Variable Life Accumulator Term Rider (base or other insured) Stag Universal Life ADB Benefit (not reinsured) SPVL (Fully underwritten only) Deduction Amount Waiver Rider ART (CW), 5 & 10 Year Term (NY) Waiver of Monthly Deduction One Year Term Waiver of Specified Amount Stag Whole Life Enhanced No Lapse Guarantee Rider Stag Protector Variable Universal Life II Estate Tax Repeal Benefit Rider II Stag Variable Life Accumulator II Level Compensation Endorsement Stag Universal Life Cash Value Children's Life Insurance Rider Maturity Date Extension Guaranteed COI Benefit Rider Mortality and Expense Risk Rates Rider Foreign Travel Exclusion Rider Policy Continuation Rider MIDDLE AMERICA PRODUCTS RIDERS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ LBSI UL Term Rider (base or other insured) Life Solutions I UL Waiver of Premium Riders Life Solutions II UL Waiver of Monthly Deduction Riders 20 Year Term Additional Purchase Option Rider Disability Income Rider WOODBURY PRODUCTS -------------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------ Hartford Stag Wall Street Variable Universal Life Term Rider Universal Life ADB (not reinsured) Waiver of Monthly Deduction Waiver of Specified Amount Cost of Living Adjustment Rider Child Rider Accelerated Benefit Rider Specify Monthly Deductions Enhanced No Lapse Guarantee Single Life Excess Pool -- Amendment 8 6 Between HLAIC HLIC and TOLIC RGA Effective 11/01/2002 Facultative 12/01/2002 Automatic SCHEDULE A PLANS COVERED UNDER THIS AGREEMENT EFFECTIVE JULY 01, 2005 DESCRIPTIONS RIDERS WHERE ADDITIONAL PREMIUM IS DUE TO THE REINSURER: Other Covered Insured: Provides term coverage for insured other than base insured. Term Rider (base or other insured): Provides additional term coverage Deduction Amount Waiver Rider: Waives monthly deduction amount if insured is disabled Waiver of Monthly Deduction: Waives monthly deduction amount if insured is disabled Waiver of Specified Amount: Waives specified amount if insured is disabled Waiver of Premium Riders: Waives premium requirement if insured is disabled Additional Purchase Option Rider: Provides additional term coverage Cost of Living Adjustment Rider: This rider is available at issue only for nonsubstandard issue ages 0 to 60. The rider allows for face amount increases without underwriting biannually based on the Consumer Price Index with the maximum amount of this increase being $50,000. RIDERS THAT ALTER THE POLICY AND IN WHICH NO ADDITIONAL PREMIUM IS PAID TO THE REINSURER. IF A POLICY HAS THIS RIDER IT IS STILL COVERED UNDER THE AGREEMENT: Children's Life Insurance Rider: Provides additional term coverage for a child. No separate reinsurance benefits are associated with this rider. Enhanced No Lapse Guarantee Rider: This rider guarantees that the policy will not lapse, regardless of investment performance, provided cumulative premiums paid less indebtedness less withdrawals are greater than or equal to the cumulative no lapse guarantee premiums. There is a lifetime option and a limited term option. The limited term option is the lesser of 20 years or to attained age 80 for issue ages 0 to 70 and the minimum of 10 years or to attained age 90 for issue ages 71 to 85. Also, at the time when the no lapse guarantee terminates or defaults, the policyholder may be eligible for an additional amount of time they have this protection, which is based on the then current account value. Estate Tax Repeal Benefit Rider: This rider will pay the account value less indebtedness if the Federal Estate Tax Law is fully repealed by December 31, 2010 and we receive a request for this benefit amount from the insured.