Common use of SINGLE LIFE RATES Clause in Contracts

SINGLE LIFE RATES. In all cases the first year reinsurance premium rate is [*]. For all Covered Policies, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by the following pricing percentages: Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] Variable Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Smoker reinsurance premium rates. Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] [*] [*] [*] [*] Standard NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] [*] [*] [*] Variable Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] [*] [*] [*] [*] Standard NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] [*] [*] [*]

SINGLE LIFE RATES. In all cases cases, the first 1st year reinsurance premium rate is [*]. For all Covered Policies, the reinsurance single life YRT premium rates shall will be calculated using the [*]2008 Valuation Basic, ANB, Select and Ultimate, Male/ Female, Non-smoker/ Smoker Mortality Table (VBT), outlined in Exhibit D, multiplied by the following pricing percentages: Universal Life (For Policies Without , less Healthy Engagement Rider (HER)) discounts, if applicable: Female Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] Variable Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Smoker reinsurance premium rates. Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred NS Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] Standard NS Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*] Male Super Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred SM Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard SM Non-smoker [*] [*] [*] [*] [*] [*] [*] [*] Variable Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred NS [*] Smoker [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*] Female Super Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard NS Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred SM [*] Smoker [*] [*] [*] [*] [*] [*] [*] Standard SM Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*] Male Super Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] Standard Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*]

SINGLE LIFE RATES. In all cases the first year reinsurance premium rate is [*]. For all Covered Policies, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by the following pricing percentages: Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] Variable Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM Nonsmoker F [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Smoker reinsurance premium rates. Universal Life For Policies With Healthy Engagement Rider (HER) [*] [*] [*] Super Preferred NS Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] Standard NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] [*] [*] [*] Variable Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard NS Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard SM Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is [*], issue ages [*] must be submitted facultatively. [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is [*], issue ages [*] must be submitted facultatively. [*} used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates.

SINGLE LIFE RATES. In all cases the first year reinsurance premium rate is [*]. For all Covered Policiesproducts, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by [*] and by the following pricing percentagesfactors in years [*]: Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] Variable Universal Life (For Policies Without Healthy Engagement Rider (HER)) Super Preferred NS [*] [*] [*] [*] Preferred NS [*] [*] [*] [*] Standard Plus NS [*] [*] [*] [*] Standard NS [*] [*] [*] [*] Preferred SM [*] [*] [*] [*] Standard SM [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Non Smoker reinsurance premium rates. Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard NS Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard SM Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*] Variable Universal Life For Policies With Healthy Engagement Rider (HER) Super Preferred NS Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred NS Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus NS Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard NS Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred SM Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard SM Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*]] 1 Standard Plus Non Smoker pricing factors will be used in calculating the substandard, non- smoker reinsurance premium rates. 2 Standard Smoker pricing factors will be used in calculating the substandard smoker reinsurance premium rates.