Common use of SUBSTANDARD ANNUAL REINSURANCE PREMIUMS Clause in Contracts

SUBSTANDARD ANNUAL REINSURANCE PREMIUMS. The substandard extra premiums are available on classes 4 and 6 (Non-Smoker and Smoker). For substandard issues, the substandard extra reinsurance premium (plus any flat extra) is payable for 20 years. After this period, the base reinsurance premium (plus any flat extra) is payable until the end of the premium paying period. The substandard extra annual reinsurance premiums per $1,000 for substandard issues will be the product of the base reinsurance premiums per $1,000 and the factor for the appropriate rating class. Note that this is the total premium rate, including both the base and substandard extra premium rates. The factors are as follows: VUL 2004/ProFunds Rating Class Expected Mortality Factor A 130-150% 1.40 B 151-175% 1.65 C 176-200% 1.90 D 201-250% 2.25 E 251-300% 2.75 F 301-350% 3.25 G 351-400% 3.75 H 401-500% 4.50

SUBSTANDARD ANNUAL REINSURANCE PREMIUMS. The substandard extra premiums are available on classes 4 and 6 (Non-Smoker and Smoker). For substandard issues, the substandard extra reinsurance premium (plus any flat extra) is payable for 20 years. After this period, the base reinsurance premium (plus any flat extra) is payable until the end of the premium paying period. The substandard extra annual reinsurance premiums per $1,000 for substandard issues will be the product of the base reinsurance premiums per $1,000 and the factor for the appropriate rating class. The factor is a product of the 90% substandard adjustment percentage and the substandard mortality multiple for the rating class. Note that this is the total premium rateper $1000, including both the base and substandard extra premium rates. The factors are as follows: VUL 2004/ProFunds Rating Special Class Expected Substandard Mortality Factor Multiplier A 130-150% 1.40 B 151-175% 1.65 C 176-200% 1.90 D 201-250% 2.25 E 251-300% 2.75 F 301-350% 3.25 G 351-400% 3.75 H 401-500% 4.50

SUBSTANDARD ANNUAL REINSURANCE PREMIUMS. The substandard extra premiums are available on classes 4 and 6 (Non-Smoker and Smoker). For substandard issues, the substandard extra reinsurance premium (plus any flat extra) is payable for 20 years. After this period, the base reinsurance premium (plus any flat extra) is payable until the end of the premium paying period. The substandard extra annual reinsurance premiums per $1,000 for substandard issues will be the product of the base reinsurance premiums per $1,000 and the factor for the appropriate rating class. The factor is a product of the 89% substandard adjustment percentage and the substandard mortality multiple for the rating class. Note that this is the total premium rateper $1000, including both the base and substandard extra premium rates. The factors are as follows: VUL 2004/ProFunds Rating Special Class Expected Substandard Mortality Multiplier Substandard Adjustment Factor A 1301.40 .89 1.2460 B 1.65 .89 1.4685 C 1.90 .89 1.6910 D 2.25 .89 2.0025 E 2.75 .89 2.4475 F 3.25 .89 2.8925 G 3.75 .89 3.3375 H 4.50 .89 4.0050 YRT-150% 1.40 B 151VUL 2008-175% 1.65 C 1762008-200% 1.90 D 201-250% 2.25 E 251-300% 2.75 F 301-350% 3.25 G 351-400% 3.75 H 401-500% 4.50SGL(TX)-PICA [Missing Graphic Reference]

SUBSTANDARD ANNUAL REINSURANCE PREMIUMS. The substandard extra premiums are available on classes 4 and 6 (Non-Smoker and Smoker). For substandard issues, the substandard extra reinsurance premium (plus any flat extra) is payable for 20 years. After this period, the base reinsurance premium (plus any flat extra) is payable until the end of the premium paying period. The substandard extra annual reinsurance premiums per $1,000 for substandard issues will be the product of the base reinsurance premiums per $1,000 and the factor for the appropriate rating class. The factor is a product of the 89% substandard adjustment percentage and the substandard mortality multiple for the rating class. Note that this is the total premium rateper $1000, including both the base and substandard extra premium rates. The factors are as follows: VUL 2004/ProFunds Rating Special Class Expected Substandard Mortality Multiplier Substandard Adjustment Factor A 1301.40 .89 1.2460 B 1.65 .89 1.4685 C 1.90 .89 1.6910 D 2.25 .89 2.0025 E 2.75 .89 2.4475 F 3.25 .89 2.8925 G 3.75 .89 3.3375 H 4.50 .89 4.0050 YRT-150% 1.40 B 151VUL 2008-175% 1.65 C 1762008-200% 1.90 D 201-250% 2.25 E 251-300% 2.75 F 301-350% 3.25 G 351-400% 3.75 H 401-500% 4.50SGL(TX)-PICA

SUBSTANDARD ANNUAL REINSURANCE PREMIUMS. The substandard extra premiums are available on classes 4 and 6 (Non-Smoker and Smoker). For substandard issues, the substandard extra reinsurance premium (plus any flat extra) is payable for 20 years. After this period, the base reinsurance premium (plus any flat extra) is payable until the end of the premium paying period. The substandard extra annual reinsurance premiums per $1,000 for substandard issues will be the product of the base reinsurance premiums per $1,000 and the factor for the appropriate rating class. The factor is a product of the 90% substandard adjustment percentage and the substandard mortality multiple for the rating class. Note that this is the total premium rateper $1,000, including both the base and substandard extra premium rates. The factors are as follows: VUL 2004/ProFunds Rating Special Class Expected Substandard Mortality Factor Multiplier A 130-150% 1.40 B 151-175% 1.65 C 176-200% 1.90 D 201-250% 2.25 E 251-300% 2.75 F 301-350% 3.25 G 351-400% 3.75 H 401-500% 4.50