Exhibit 6(g)
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BMA
A Member of the Generali Group
AUTOMATIC
REINSURANCE AGREEMENT
(BMA Reinsurance Treaty #: 199906-008
covering conversion to VUL)
between
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G.E. LIFE & ANNUITY ASSURANCE COMPANY
Richmond, Virginia
hereinafter referred to as the CEDING COMPANY
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and
Business Men's Assurance Company of America
Kansas City, Missouri
hereinafter referred to as BMA
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AUTOMATIC TREATY
TABLE OF CONTENTS
ARTICLE DESCRIPTION PAGE
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I BASIS OF REINSURANCE ..............................................1
II LIABILITY .........................................................3
III ADMINISTRATIVE REPORTING ..........................................4
IV PLANS OF REINSURANCE ..............................................7
V REINSURANCE PREMIUMS ..............................................7
VI PREMIUM ACCOUNTING ................................................8
VII OVERSIGHTS ........................................................9
VIII REDUCTIONS, TERMINATIONS AND CHANGES .............................10
IX INCREASE IN RETENTION AND RECAPTURES .............................11
X REINSTATEMENTS, EXCHANGES, ETC ...................................13
XI EXPENSE OF ORIGINAL POLICY .......................................14
XII CLAIMS ...........................................................14
XIII TAX CREDITS ......................................................17
XIV DAC TAX ..........................................................17
XV INSPECTION OF RECORDS ............................................18
XVI INSOLVENCY .......................................................18
XVII ARBITRATION ......................................................19
XVIII PARTIES TO AGREEMENT .............................................20
XIX ENTIRE CONTRACT ..................................................20
XX INSOLVENCY OF BMA ................................................21
XXI TERMINATION OF AGREEMENT .........................................21
SCHEDULE DESCRIPTION
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A SPECIFICATIONS
B BENEFITS AND NAR CALCULATIONS
C ADDITIONAL INFORMATION AND EXCEPTIONS
EXHIBIT DESCRIPTION
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I RETENTION LIMITS
IA UNDERWRITING GUIDELINES/ NOT APPLICABLE
II REINSURANCE PREMIUMS
IIA POLICY FEES, FLAT EXTRAS, SUBSTANDARD PREMIUMS
IIB PERCENTAGES OF PREMIUM (YRT)
III COMMISSIONS AND ALLOWANCES (COINSURANCE)
REINSURANCE AGREEMENT
Reinsurance under this agreement must be individual insurance. The CEDING
COMPANY shall automatically reinsure the life insurance and waiver of premium
for the plan(s) as stated in Schedule A. The benefits covered and the net amount
at risk calculation shall be described in Schedule B.
ARTICLE I
BASIS OF
REINSURANCE 1. REQUIREMENTS FOR AUTOMATIC REINSURANCE
A. The individual risk must be a permanent resident
of the United States.
B. The individual risk must be underwritten by the
CEDING COMPANY according to the standard
underwriting practices and guidelines as shown in
Exhibit IA. The CEDING COMPANY shall immediately
notify BMA of any changes in underwriting
practices or guidelines. Any risk falling into a
category of special underwriting programs e.g.
guaranteed issue, simplified underwriting,
internal or external exchanges, shall be excluded
from this Agreement unless specifically included
in Schedule A.
C. Any facultative application for reinsurance of
current or prior applications on the same life
risk offered to BMA or any other reinsurer shall
not qualify for automatic reinsurance.
D. The maximum issue age on any risk shall be as
stated in Schedule A. Applications with issue ages
over the limit stated in Schedule A must be
submitted facultatively.
E. The mortality rating on any one risk shall not
exceed the Table Rating stated in Schedule A, or
its equivalent on a flat extra premium basis.
Cases exceeding the Table Rating stated in
Schedule A, or its equivalent, must be submitted
facultatively.
F. The maximum amount of insurance issued and applied
for in all companies on any one risk shall not
exceed the Jumbo limits as stated in Schedule A.
For policies which contain automatic increase
provisions, the CEDING COMPANY shall provide the
initial and ultimate risk amounts.
G. On any risk, the CEDING COMPANY must retain the
amounts of insurance as stated in Exhibit I. A
zero risk retention does not qualify for automatic
reinsurance.
H. The maximum amounts of insurance to be reinsured
on any one life shall not exceed the automatic
binding limits as stated in Schedule A.
I. The minimum amount of insurance to be ceded shall
be as stated in Schedule A. When reinsurance is
ceded on pool basis, the minimum amount is the
amount applicable to the total pool, not each pool
participant.
2. REQUIREMENTS FOR FACULTATIVE REINSURANCE
A. Plan of Insurance Listed in Schedule A:
1) If the Requirements for Automatic Reinsurance
are met but the CEDING COMPANY prefers to
apply for facultative reinsurance, or
2) If Requirements for Automatic Reinsurance are
not met, then the CEDING COMPANY must submit
to BMA all the underwriting documentation
relating to the insurability of the
individual risk for facultative reinsurance.
B. Plan of Insurance Not Listed in Schedule A:
On a Yearly Renewable Term treaty the CEDING
COMPANY may submit an application for facultative
reinsurance on any plan(s).
On a Coinsurance treaty the CEDING COMPANY may
submit an application for facultative reinsurance
only on plan(s) listed in Schedule A.
C. An application for facultative reinsurance may
include life insurance with or without either
disability waiver of premium or accidental death
or both. Supplemental benefits without life are
excluded from this agreement.
Page 2
D. Copies of all underwriting papers relating to the
insurability of the individual risk must be sent
to BMA for facultative reinsurance. After BMA has
examined the underwriting papers, BMA will
promptly notify the CEDING COMPANY of the
underwriting offer subject to additional
requirements, the final underwriting offer or
declination. Any final underwriting offer on the
individual risk will automatically terminate upon
the earliest of:
1) The date BMA receives notice of a
withdrawal/cancellation by the CEDING
COMPANY,
2) 120 days after the date on which the offer
was made, or
3) The date specified in BMA's approval to
extend the offer.
E. The minimum amount of insurance to be ceded shall
be as stated in Schedule A.
ARTICLE II
LIABILITY 1. BMA's liability for automatic reinsurance shall begin
simultaneously with the CEDING COMPANY's liability.
2. Except for additional coverage pertaining to
conditional receipt and temporary insurance agreement
as described in Schedule C, BMA's liability for
facultative reinsurance on individual risks shall not
begin unless and until the CEDING COMPANY has accepted
BMA's final and unconditional written offer on the
application for facultative reinsurance.
3. BMA's liability for reinsurance on individual risks
shall terminate when the CEDING COMPANY's liability
terminates.
4. As long as the original policy remains in full force,
all paid-up additions, COLA's, GIR's, and accumulated
dividends shall be the liability of the CEDING COMPANY
unless specifically included in Schedule A of this
agreement.
Page 3
5. In no event shall reinsurance under this Agreement be
in force unless the insurance issued directly by the
CEDING COMPANY is in force and is issued and delivered
in a jurisdiction in which the CEDING COMPANY is
properly licensed.
6. The payment of reinsurance premiums in accordance with
this Agreement shall be a condition precedent to the
liability of BMA under reinsurance covered by this
Agreement. If the CEDING COMPANY does not pay premiums
to BMA as provided in this Agreement and such amounts
are more than 120 days in arrears, BMA will have the
right to terminate all reinsurance under this
Agreement.
ARTICLE III
ADMINISTRATIVE
REPORTING 1. SELF-ADMINISTERED BUSINESS
Promptly after liability for insurance has begun on an
individual risk, the CEDING COMPANY shall have the
responsibility of maintaining adequate records for the
administration of the reinsurance amount and shall
furnish BMA with monthly reports, in substantial
conformity with the following:
A. MONTHLY NEW BUSINESS REPORT
For new business, the CEDING COMPANY must identify
the reinsurance agreement and provide information
adequate for BMA to establish reserves, check
retention limits, and verify premium calculation.
1) policy number
2) full name of insured
3) date of birth
4) sex
5) issue age
6) policy date
7) underwriting classification
8) plan of insurance/code
9) amount issued
10) amount ceded
11) automatic/facultative indicator
12) state of residence
13) table rating
14) flat extra( amount + number of years)
15) death benefit option (UL products)
16) current net amount at risk
17) transaction code
18) riders (if applicable)
Page 4
B. MONTHLY CONVERSION REPORT
The CEDING COMPANY shall furnish BMA with a
separate listing of reinsurance policies that are
conversions or replacements from policies
previously reinsured with BMA to the plan(s) as
stated in Schedule A. The listing should provide
the following information:
1) 1 through 18 in 1.A above
2) original policy date
3) original policy number
4) attained age
5) duration
6) effective date if other than policy date
C. MONTHLY PREMIUM REPORT
At the end of each month the CEDING COMPANY shall
send to BMA a listing of all reinsurance policies
issued or renewing during the past month
accompanied by the reinsurance premiums for such
policies. The listing should be segregated into
first year issues and renewals and should provide
the following information:
1) 1 through 18 in 1.A above
2) On Yearly Renewable Term treaties the net
reinsurance premium due for each reinsured
policy with the premium for life and each
supplemental benefit separated.
3) On Coinsurance treaties the gross reinsurance
premium, commissions, net reinsurance premium
and other amounts (e.g. dividends, cash
surrender values) with premium separated for
life and each supplemental benefit.
All monthly lists shall be submitted to BMA no
later than the 20th day of the following month.
Page 5
D. MONTHLY CHANGE REPORT
The CEDING COMPANY shall report the details of all
policy terminations and changes on the reinsured
policies. In addition to the data indicated in 1.A
above, the report should provide information about
the nature, the effective date, and the financial
result of the change with respect to reinsurance.
For changes, the CEDING COMPANY shall identify
the reinsurance agreement and provide information
adequate for BMA to establish reserves, check
retention limits, and verify premium calculation.
E. MONTHLY POLICY EXHIBIT REPORT
The CEDING COMPANY shall provide a summary of new
issues, terminations, recaptures, changes, death
claims and reinstatements during the month and the
inforce reinsurance at the end of the month.
F. QUARTERLY REPORTING
1) Within twenty (20) days following the end of
the quarter, the CEDING COMPANY shall provide
BMA with Premiums Due and Unpaid and
Commissions Due and Unpaid. This report may
be in summary form reporting totals by line
of business with separate totals for first
year and renewals.
2) Within twenty (20) days following the end of
the quarter, the CEDING COMPANY shall provide
BMA with totals for the reserve liability
including statutory reserves by valuation
basis segregated by Yearly Renewable Term and
Coinsurance.
G. ANNUAL INFORCE LISTING
Within ten (10) days after the close of the year,
the CEDING COMPANY shall furnish BMA a listing of
reinsurance in force by policy, by year of issue,
segregated by Yearly Renewable Term and
Coinsurance and include statutory reserves for the
same.
H. CLAIMS
Claims shall be reported as incurred on an
individual basis.
Page 6
I. CHANGE IN REPORTING FORMAT
If the CEDING COMPANY chooses to report its
reinsurance transaction via electronic media, the
CEDING COMPANY shall consult with BMA to determine
the appropriate reporting format. Once determined,
the CEDING COMPANY shall communicate any change in
the data format or code structure to BMA prior to
the use of such changes in the reports to BMA.
2. INDIVIDUAL CESSION BUSINESS
Promptly after liability for reinsurance has begun on
the individual risk the CEDING COMPANY shall send BMA a
"Reinsurance Application/Cession". Based on the
information on the "Reinsurance Application/Cession",
BMA will prepare and send the CEDING COMPANY a
"Reinsurance Cession Card". When reinsurance is amended
or changed, the CEDING COMPANY shall send BMA a
"Notification of Change in Policy Reinsured".
ARTICLE IV
PLANS OF
REINSURANCE 1. Life reinsurance shall be ceded on the basis stated in
Schedule A.
2. Copies of all life insurance policies, riders, rate
manuals, benefit forms, commuted value tables and cash
value tables shall be provided by the CEDING COMPANY to
BMA, and BMA shall be promptly notified of any changes
therein.
ARTICLE V
REINSURANCE
PREMIUMS 1. Life Reinsurance Premiums are payable annually in
advance unless specified differently on Exhibit II.
A. Life Reinsurance Premiums Paid on a Coinsurance
Basis (if applicable)
Page 7
The CEDING COMPANY shall pay the current annual
premiums as shown in Exhibit II based on the
amount of life insurance reinsured, less the
allowance stated in Exhibit III. In addition, the
CEDING COMPANY shall pay any substandard table
extra and flat extra premiums as outlined in
Exhibit IIA, but shall exclude the policy fee. In
the event the current premium is changed, BMA
shall be notified by the CEDING COMPANY
immediately.
B. Life Reinsurance Premiums on a Yearly Renewable
Term Basis (if applicable)
The life reinsurance premium on the net amount at
risk shall be based on rates shown in Exhibit II.
The reinsurance premiums are not guaranteed. For
those premiums less than the valuation net premium
based on the 1980 CSO Table at 3% interest, only
the latter premiums shall be guaranteed. Should
BMA increase the reinsurance premiums to the
valuation net premium based on the 1980 CSO Table
at 3% interest, then the CEDING COMPANY shall have
the right to immediately recapture any business
affected by that change.
ARTICLE VI
PREMIUM
ACCOUNTING 1. PAYMENT OF REINSURANCE PREMIUM
A. The reinsurance premiums shall be paid to BMA
using the rates shown in Exhibit II and IIA, and
applying the allowances (Exhibit III) or,
percentages of premium (Exhibit IIB), when
applicable.
B. On issues ceded by individual cessions BMA shall
send the CEDING COMPANY each month two copies of a
statement listing first year and renewal
reinsurance premiums less refunds and allowances
which are due during the current month.
C. On self-administered business the CEDING COMPANY
shall provide the statement to BMA using the
format described in Article III, Self-Administered
Business.
Page 8
D. If a net reinsurance premium balance is payable to
BMA the CEDING COMPANY shall pay this balance
within forty-five (45) days after the close of
that month. If the full balance is not received
within the forty-five (45) day period, the
reinsurance premiums for reinsurance risks listed
on the statement, for which payment was not
received, shall be delinquent and the liability of
BMA shall cease as of the date reinsurance premium
were due.
E. If a net reinsurance premium balance is payable to
the CEDING COMPANY, BMA shall pay this net balance
within forty-five (45) days after the monthly
statement was sent to the CEDING COMPANY. If the
monthly statement has not been returned within
forty-five (45) days, BMA shall assume the CEDING
COMPANY has verified and is in agreement with the
net balance and shall make payment to the CEDING
COMPANY.
2. INTEREST ON DELINQUENT PAYMENTS
If the CEDING COMPANY is more than 90 days in
arrears in remitting undisputed premiums to BMA
such premiums will be considered delinquent and
interest will be added to the amount to be
remitted. Interest will be calculated from (i) the
time the premiums are due BMA to (ii) the date the
CEDING COMPANY pays the premium to BMA. The rate
of interest charged will be equal to the rate
listed in the Federal Reserve Statistical Release,
as promulgated by the Board of Governors of the
Federal Reserve System, for the monthly average of
Corporate bonds, ▇▇▇▇▇'▇ seasoned Aaa (the
"Interest Rate").
3. CURRENCY
The reinsurance premiums and benefits payable under
this Agreement shall be payable in the lawful money of
the United States.
ARTICLE VII
OVERSIGHTS If there is an unintentional oversight or clerical error in
the administration of this Agreement by either the CEDING
COMPANY or BMA, it can be corrected provided the correction
takes place promptly after the time the oversight or
clerical error is first discovered. In that event, the
CEDING COMPANY and BMA will be restored to the position they
would have occupied had such oversight or clerical error not
occurred.
Page 9
ARTICLE VIII
REDUCTIONS,
TERMINATIONS AND
CHANGES 1. A. If in accordance with policy provisions the
original policy is converted to permanent life
insurance, the life risk under the converted
policy which exceeds the amount of risk originally
retained by the CEDING COMPANY shall continue to
be reinsured with BMA.
B. If there is a replacement where full underwriting
evidence is not required according to the CEDING
COMPANY regular underwriting rules, the life risk
which exceeds the amount of risk originally
retained by the CEDING COMPANY shall continue to
be reinsured with BMA.
C. If there is a replacement where full underwriting,
evidence is required by the CEDING COMPANY.,
reinsurance may be ceded to BMA subject to a
written agreement between BMA and the CEDING
COMPANY.
2. If the amount of insurance under a policy or rider
reinsured under this Agreement increases and
A. The increase is subject to new underwriting
evidence, the provisions of Article I shall apply
to the increase in reinsurance.
B. The increase is not subject to new underwriting
evidence, BMA shall accept automatically the
increase in reinsurance but not to exceed the
automatic binding limit as stated in Schedule A.
3. If the amount of insurance under a policy or rider
reinsured under this Agreement is increased or reduced,
any increase or reduction in reinsurance for the risk
involved shall be effective on the effective date of
the increase or reduction in the amount of insurance.
Page 10
4. If any portion of the prior insurance retained by the
CEDING COMPANY on an individual life reduces or
terminates, any reinsurance under this Agreement based
on the same life shall also be reduced or terminated.
The CEDING COMPANY shall reduce its reinsurance by
applying the retention limits which were in effect at
the time the policy was issued. The "reinsurance
adjustment due to lapse or reduction of previous
insurance" shall be effective on the same date as the
lapse or reduction of prior insurance. The reinsurance
to be terminated or reduced shall be determined in
chronological order by the date the risk was first
reinsured. Two or more policies issued the same date
shall be considered one policy.
5. If the insurance for a risk is shared by more than one
reinsurer, BMA's percentage of the increased or reduced
reinsurance shall be the same as BMA's percentage of
initial reinsurance of the individual risk.
6. If a risk reinsured under this Agreement is terminated,
the reinsurance for that risk shall be terminated as of
the effective date of the termination.
7. For facultative reinsurance, if the CEDING COMPANY
reduces the mortality rating, the reduction shall be
subject to the facultative provisions of this Agreement
as stated in Article I, Section 2.
8. BMA shall refund all unearned reinsurance premiums not
including policy fees, less applicable allowances,
arising; from reductions, terminations and changes as
described in this Article.
ARTICLE IX
INCREASE
IN RETENTION
AND RECAPTURES 1. If the CEDING COMPANY changes its retention limits, as
listed in Exhibit I, prompt written notice of the
change shall be provided to BMA.
Page 11
2. The CEDING COMPANY shall have the option of recapturing
the reinsurance under this Agreement in the event the
CEDING COMPANY increases its retention limit and the
policies have been in force the required length of time
as stated in Schedule A. The CEDING COMPANY may
exercise its option to recapture by giving written
notice to BMA within ninety (90) days after the
effective date of the increase in retention. If the
recapture option is not exercised within ninety days
(90) days after the effective date of the increase in
retention the CEDING COMPANY may choose to recapture at
a later date. In that case, the date of the written
notification to BMA shall determine the effective date
the recapture program shall begin.
3. If the CEDING COMPANY exercises its option to
recapture, then:
A. The CEDING COMPANY shall reduce the reinsurance on
all individual risks on which it retained its
maximum retention for the age and mortality rating
that was in effect at the time the reinsurance was
ceded.
B. The CEDING COMPANY shall increase its total.
amount of retained insurance on the individual
risk up to its new retention limit by reducing the
amount of reinsurance. If an individual risk is
shared by more than one reinsurer, BMA's
percentage of the reduced reinsurance shall be the
same as BMA's initial percentage of reinsurance on
the individual risk.
C. The reduction of reinsurance shall become
effective on the later of the following dates:
1) The policy anniversary date immediately
following the date the recapture program is
to begin as determined by paragraph 2. of
this Article;
2) The number of years stated in Schedule A
starting with the "policy date."
Page 12
D. In the event the CEDING COMPANY overlooks any
reduction in the amount of a reinsurance policy
because of an increase in the CEDING COMPANY's
retention, the acceptance by BMA of reinsurance
premiums under these circumstances shall not
constitute a liability on the part of BMA for such
reinsurance. BMA shall be liable only for a refund
of premiums.
E. Once a recapture is initiated by the CEDING
COMPANY, the recapture will continue year after
year until all eligible policies are recaptured.
Should a claim occur before an eligible policy has
been processed, BMA shall deduct from the claim
payment the amount the CEDING COMPANY should have
recaptured.
4. No recapture shall be permitted for reinsurance on an
individual risk if (a) the CEDING COMPANY retained less
than its maximum retention for the age and mortality
rating in effect at the time the reinsurance was ceded
to BMA, or if (b) the CEDING COMPANY did not retain any
of the individual risk.
ARTICLE X
REINSTATEMENTS
EXCHANGES
EXTENDED TERM
REDUCED PAID UP If a policy reinsured under this Agreement lapses for
nonpayment of premium or is continued on the Reduced Paidup
or Extended Term Insurance basis, and is reinstated in
accordance with the terms of the policy and the CEDING
COMPANY's rules, the reinsurance on such policy shall
automatically be reinstated by BMA upon notification of such
reinstatement. The CEDING COMPANY shall pay BMA all back
reinsurance premiums.
Exchanges, term conversions or other changes in the
insurance reinsured with BMA, where not fully underwritten
as a new issue, will continue to be reinsured with BMA. When
these changes are fully underwritten, the policy will be
handled the same as issuance of a new policy.
Page 13
Exchanges will be reinsured only if the original policy was
reinsured with BMA; the amount of reinsurance will not
exceed the amount of reinsurance on the original policy
immediately prior to the exchange. If the business is
subsequently exchanged to any plan reinsured by BMA, then
such business will be reinsured at the rates shown in the
treaty covering the new plan. Rates and allowances
applicable to the new plan will be determined at
point-in-scale based on the original policy that is being
exchanged. If the business is subsequently exchanged to a
plan that is not reinsured with BMA under a specific treaty,
then such business shall be reinsured at an agreed upon YRT
rate.
Changes as a result of extended term or reduced paid-up
insurance will be handled the same as life reductions.
ARTICLE XI
EXPENSE OF
ORIGINAL POLICY The CEDING COMPANY shall bear the expense of all medical
examinations, inspection fees, and other charges in
connection with the issuance of the insurance.
ARTICLE XII
CLAIMS 1. The CEDING COMPANY shall give BMA written notice as
soon as possible of submission to the CEDING COMPANY of
any claim on a policy reinsured under this Agreement,
and written notice within ten (10) days of the service
of process upon the CEDING COMPANY in connection with
any litigation involving such claim. Copies of the
proofs obtained by the CEDING COMPANY together with a
statement showing the amount due or paid on such claim
by the CEDING COMPANY shall be furnished to BMA at the
time payment is requested.
Page 14
2. BMA shall accept the decision of the CEDING COMPANY in
payment of the CEDING COMPANY's contractual liability
for the claim and shall pay its portion to the CEDING
COMPANY upon receipt of proof that the CEDING COMPANY
has paid the claimant. It is agreed that if a lesser
amount at risk is retained by the CEDING COMPANY than
the amount ceded to BMA, the CEDING COMPANY shall
consult with BMA concerning its investigation and/or
payment of the claim. However, such consultation shall
not impair the CEDING COMPANY's freedom to determine
its course of action on the claim, and the final
decision shall be that of the CEDING COMPANY. In
reaching its decision, the CEDING COMPANY shall act
with good faith and in accord with its standard
practices applicable to all claims, whether reinsured
or not.
3. The CEDING COMPANY shall notify BMA as soon as possible
from the date of the CEDING COMPANY's decision to
contest, compromise, or litigate a claim involving
reinsurance. Unless BMA declines to be a party to such
action, BMA shall pay its share of the settlement
payment, up to the maximum reinsurance that would have
been payable by BMA under the specific policy had there
been no controversy, plus its share of specific "Claim
Expenses" therein involved, except as specified below.
If BMA declines to be a party to the contest,
compromise, or litigation BMA shall discharge all of
its liability to the CEDING COMPANY by paying the full
amount reinsured under this Agreement to the CEDING
COMPANY. "Claim expenses" shall be deemed to mean only
the reasonable legal and investigative expenses
connected with the litigation or settlement of
contractual liability claims. "Claim expenses" shall
not include expenses incurred in connection with a
dispute or contest arising out of conflicting claims of
entitlement to policy proceeds which the CEDING COMPANY
admits are payable or any routine claim administrative
expenses, including, but limited to, compensation of
officers and employees of the CEDING COMPANY.
Page 15
4. In the event the amount of insurance provided by a
policy or policies reinsured hereunder is increased or
reduced because of a misstatement of age or sex
established after the death of the insured, BMA shall
share in the increase or reduction in the proportion
that the net liability of BMA bore to the sum of the
retained net liability of the CEDING COMPANY and the
net liability of other reinsurers immediately prior to
such increase or reduction. The reinsurance with BMA
shall be written from commencement on the basis of the
adjusted amounts using premiums and reserves at the
correct ages and sex. The adjustment for the difference
in premiums shall be made without interest.
5. It is understood and agreed that the payment of a death
claim by BMA shall be made in one sum regardless of the
mode of settlement under the policy of the CEDING
COMPANY.
6. In no event shall BMA have any liability for any
extra-contractual damages, including, but not limited
to, punitive, exemplary, compensatory and consequential
damages which are assessed against the CEDING COMPANY,
whether by judgment, settlement or otherwise, as a
result of acts, omissions or course of conduct of the
CEDING COMPANY or its agents. It is recognized that
special circumstances may arise which indicate that to
the extent permitted by law, BMA should participate in
certain assessed damages. These circumstances are not
subject to prior identification or definition. The
extent of such participation in such damages by BMA
will be determined based upon a good faith assessment
of culpability, but shall not exceed the ratio of BMA's
net liability for policy benefits under this Agreement
to the net liability of the CEDING COMPANY and any
other reinsurers.
Page 16
7. If a claim is approved for disability waiver of premium
insurance reinsured under this Agreement, the CEDING
COMPANY shall continue to pay reinsurance premiums to
BMA. BMA shall reimburse the CEDING COMPANY BMA's share
of the annual liability.
ARTICLE XIII
TAX CREDITS In jurisdictions which impose premium taxes on the CEDING
COMPANY without deduction for reinsurance, BMA shall
reimburse the CEDING COMPANY for taxes paid on the amount of
the reinsurance premiums on the basis shown in Schedule A,
unless BMA itself is required to pay a direct tax on such
reinsurance premiums.
ARTICLE XIV
DEFERRED
AQUISITION COSTS
TAX The CEDING COMPANY and BMA elect under Regulation 1.848-2(g)
(8) to compute "specified policy acquisition expense", as
defined in section 848(c) of the Internal Revenue Code, in
the following manner:
The party with net positive consideration as determined
under Reg. 1.848-2(f) and Reg. 1.848-3 shall compute
specified policy acquisition expenses without regard to the
general deductions limitation of section 848(c)(1) for each
taxable year.
The parties will exchange information pertaining to the
aggregate amount of net consideration as determined under
Regs. 1.848-2(f) and 1.848-3, for all reinsurance agreements
in force between them, to insure consistency for the
purposes of computing specified policy acquisition expenses.
BMA shall provide the CEDING COMPANY with the amount of such
net consideration for each taxable year no later than May 1
following the end of such year. The CEDING COMPANY shall
advise BMA if it disagrees with the amounts provided, and
the parties agree to amicably resolve any difference. The
amounts provided by BMA shall be presumed correct if it does
not receive a response from the CEDING COMPANY by May 31.
Page 17
BMA represents and warrants that it is subject to U.S.
taxation under Subchapter L of the Internal Revenue Code.
ARTICLE XV
INSPECTION
OF RECORDS BMA shall have the right, at any reasonable time, to inspect
at the office of the CEDING COMPANY, all books and documents
which relate to reinsurance under this Agreement.
ARTICLE XVI
INSOLVENCY 1. In the event of insolvency of the CEDING COMPANY, all
reinsurance shall be payable by BMA directly to the
CEDING COMPANY or its liquidator, receiver, or
statutory successor, on the basis of the liability of
the CEDING COMPANY under the policy or policies
reinsured, without diminution because of the insolvency
of the CEDING COMPANY.
2. It is agreed that the liquidator, receiver, or
statutory successor of the insolvent CEDING COMPANY
shall give written notice to BMA of the pending of a
claim against the insolvent CEDING COMPANY on any
policy reinsured within a reasonable time after such
claim is filed in the insolvency proceedings. During
the pendency of any such claim BMA may investigate such
claim and interpose, in the proceeding where such claim
is to be adjudicated, any defense or defenses which BMA
may deem available to the CEDING COMPANY or its
liquidator, receiver, or statutory successor. The
expense thus incurred by BMA shall be chargeable,
subject to court approval, against the insolvent CEDING
COMPANY as part of the expense of liquidation to the
extent of a proportionate share of the benefit which
may accrue to the CEDING COMPANY solely as a result of
the defense undertaken by BMA.
Page 18
3. Where two or more reinsurers are participating in the
same claim and a majority in interest elect to
interpose a defense to such claim, the expense shall be
apportioned in accordance with the terms of the
Agreement as though such expenses had been incurred by
the CEDING COMPANY.
4. Any debts or credits, matured or unmatured, liquidated
or unliquidated, in favor of or against either the
CEDING COMPANY or BMA with respect to this agreement or
with respect to any other claim of one party against
the other are deemed mutual debts or credits, as the
case may be, and shall be set off, and only the balance
shall be allowed or paid.
ARTICLE XVII
ARBITRATION 1. The parties agree that the United States Federal
Arbitration Act and the CPR Rules for Non-Administered
Arbitration shall apply to any dispute between the
parties.
2. The Ceding Company and BMA agree that the sole remedy
for resolving any and all disputes arising out of or in
connection with this Agreement, including any question
regarding its existence, validity, termination or
rescission, shall be resolved by arbitration as herein
provided.
3. All issues for arbitration shall be referred to three
arbitrators, one being chosen by the Ceding Company,
one by BMA, and the third by the aforesaid arbitrators.
In the event that the first two arbitrators so chosen
do not agree as to the third arbitrator within thirty
(30) days after both have been appointed as
arbitrators, the third arbitrator shall be chosen by
the American Arbitration Association. Should either
party fail to choose its arbitrator within thirty (30)
days after receipt of written notice from the other
party requesting it to do so, the requesting party
shall name both arbitrators and they shall proceed in
all respects as above stipulated. Each party shall
present its case to the arbitrators within ninety (90)
days following the date of appointment of the third
arbitrator.
Page 19
4. The arbitrators shall look to the substantive rules of
the law of the State of Virginia as the law governing
this Agreement; however, the arbitrators shall consider
the Agreement an honorable engagement rather than
merely a legal obligation, and they are relieved of all
judicial formalities. The decision and award of the
majority of the arbitrators shall be final and binding
upon the Ceding Company and BMA. Judgement may be
entered upon the award of the arbitrators in any court
having jurisdiction.
5. The arbitrators shall be active or retired officers of
life insurance or reinsurance companies and not under
the control or management of either party to this
Agreement. Arbitration shall take place in Kansas City,
Missouri unless the Ceding Company and BMA agree
otherwise.
6. Each party shall bear the expense of its own chosen
arbitrator and shall jointly and equally bear with the
other the expense of the third arbitrator and of the
arbitration. In the event two arbitrators are chosen by
one party, as above provided, the expense of all
arbitrators and the arbitration shall be equally
divided between the two parties.
7. This provision concerning arbitration shall survive the
termination, cancellation or rescission of the
Agreement.
ARTICLE XVIII
PARTIES TO
AGREEMENT This is an Agreement for indemnity reinsurance solely
between the CEDING COMPANY and BMA. The acceptance of
reinsurance under this Agreement shall not create any right
or legal relation whatever between BMA and the insured,
owner, or any other party to or under any policy reinsured
under this Agreement.
ARTICLE XIX
ENTIRE
CONTRACT 1. This agreement shall constitute the entire agreement
between the parties with respect to business being
reinsured hereunder and that there are no
understandings between the parties other than those
expressed in this agreement.
2. Any change or modification to this agreement shall be
null and void unless made by addendum to this agreement
signed by both parties.
Page 20
ARTICLE XX
INSOLVENCY
OF BMA In the event of BMA's insolvency, as determined by the
department responsible for such determination, all
reinsurance ceded under this Agreement may be recaptured
immediately as of the effective date of insolvency. At that
time, the CEDING COMPANY shall pay BMA commutative
allowances plus claims, minus premiums.
ARTICLE XXI
TERMINATION
OF AGREEMENT 1. All automatic reinsurance which became effective prior
to the termination of this Agreement and all
facultative reinsurance approved by BMA based upon
applications received prior to termination of this
Agreement shall remain in effect until its termination
or expiration, unless the CEDING COMPANY and BMA
mutually decide otherwise.
2. The CEDING COMPANY shall continue to cede reinsurance
and BMA shall continue to accept reinsurance, as
provided for by the terms of this Agreement, until the
date of termination.
3. This Agreement may be terminated at any time by either
party giving at least ninety (90) days written notice
of termination. The day the notice is deposited in the
mail addressed to the Home Office, or to an Officer of
either company, shall be the first day of the
ninety-day (90) period.
Page 21
IN WITNESS WHEREOF, this agreement shall be effective with policies dated 12:01
A.M. June 26, 1999, and is hereby executed in duplicate between
G.E. LIFE & ANNUITY ASSURANCE COMPANY
Richmond, Virginia
referred to as the CEDING COMPANY
and
BUSINESS MEN'S ASSURANCE COMPANY OF AMERICA
Kansas City, Missouri
referred to as BMA,
and duly signed by both parties' respective officers as follows:
THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION WHICH MAY BE ENFORCED BY
THE PARTIES.
CEDING COMPANY
/s/ Illegible /s/ Illegible
-------------------- ----------------------
signature title
/s/ Illegible VP. Actuary
-------------------- ----------------------
signature title
3/22/2002
date
BMA
/s/ Illegible Senior Vice President/Reinsurance
---------------- title
signature
Vice President
/s/ Illegible Reinsurance Actuary
---------------- title
signature
May 10, 2002
date
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Type of Business:
Life insurance issued by the CEDING COMPANY
Type of Reporting:
Self-Administered
Basis of Reinsurance:
Automatic / Yearly Renewable Term
Plans of Insurance:
Conversions from First Colony and GE Capital
Surname Alphabetic Division:
A-Z
Automatic Excess Quota Share:
14% over the CEDING COMPANY's corporate retention.
Maximum Automatic Issue Age:
Age 85
Automatic Binding:
A. Life: 14% ($2,800,000) of the $20,000,000 pool.
B. Waiver of Premium: amounts equal to but not exceeding the premiums payable to
the CEDING COMPANY for the amount of life insurance ceded to BMA.
Jumbo Limit:
A. Life: $35,000,000
B. Waiver of Premium: $5,000,000
Minimum Cession:
None
Years to Recapture:
Ten (10) Years
Page 1 of 2
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Premium Tax Reimbursement:
Premium taxes are not reimbursed.
Rates Applicable to Conversions
The rates applicable to conversions to G. E. Life & Annuity Assurance Company's
VUL will be the rates marked Exhibit II point-in-scale, applying the percentage
of premium applicable in Exhibit IIB.
Rate Capacity
$ 2,800,000 (Amounts over $2,000,000 have separate % of premium in Exhibit IIB)
Page 2 of 2
BMA Reinsurance
Schedule B
Plan, Benefits, & Rider Information
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Single Life Plans
The net amount at risk shall be provided by the CEDING COMPANY in basic
comformity with the self-administered format described in Article III.
Waiver of Premium
Waiver of Premium is reinsured on a coinsured basis. The premium due BMA shall
be the gross disability premium charged the insured by the CEDING COMPANY based
on the initial amount reinsured, less a first year commission of 100% and
renewal commission of 15%.
Page 1 of 1
BMA Reinsurance
Schedule C
Additional Detailed Information
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Conditional Receipt:
This agreement includes coverage for conditional receipt liability for
facultative cases sent to BMA. In no event shall BMA's conditional receipt
liability exceed $500,000 or the automatic binding limit specified in Schedule
A, whichever is less.
BMA's conditional receipt liability shall begin simultaneously with the CEDING
COMPANY's liability and shall cease upon:
A. BMA's declination of the risk, or
B. The first acceptance by the CEDING COMPANY of an unconditional offer by a
reinsurer other than BMA, or
C. The expiration of 120 days from the date BMA's facultative offer is
communicated to the CEDING COMPANY.
Additional Information:
A. When a policy converts to a G.E. Life & Annuity Assurance Company's VUL
plan, the YRT rates and percentages of premium in this agreement shall
apply, point-in-scale.
B. As an exception, BMA accepts conversions reinsured under this agreement
eventhough BMA is not the reinsurer on the original policy.
BMA Reinsurance Treaty # 199906-008
EXHIBIT I
CEDING COMPANY: G.E. LIFE & ANNUITY ASSURANCE COMPANY
CEDING COMPANY'S MAXIMUM LIMITS OF RETENTION - MALE AND FEMALE
EFFECTIVE WITH POLICIES DATED: July 26, 1999
--------------------------------------------------------------------------------
LIFE
Please be sure to show your limit of retention for all ages and all rate
classifications. Show "none" in all categories where you have no retention.
SUBSTANDARD SUBSTANDARD SUBSTANDARD
ISSUE TABLE/FLAT EXTRA TABLE/FLAT EXTRA TABLE/FLAT EXTRA
AGES STANDARD Std. Thru Table Table Table
----- ---------- ---------------- ---------------- ----------------
0-75 $1,000,000 -0- -0- -0
76-85 $ 100,000 -0- -0- -0
---------------------------------------------------------------------------
DISABILITY
Is your Disability (Waiver of Premium, Waiver of Monthly Deduction) retention
the same as Life? Yes
EXHIBIT II
GE98FULM-Male
Duration
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
--- -------- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 0.583 0.335 0.228 0.209 0.153 0.135 0.120 0.125 0.120 0.118 0.111 0.132 0.156 0.187 0.201
1 0.218 0.207 0.200 0.146 0.125 0.123 0.120 0.125 0.116 0.107 0.125 0.150 0.161 0.205 0.296
2 0.188 0.188 0.154 0.128 0.125 0.123 0.117 0.111 0.102 0.120 0.152 0.177 0.207 0.292 0.443
3 0.158 0.149 0.131 0.128 0.125 0.123 0.113 0.107 0.124 0.144 0.166 0.210 0.291 0.436 0.523
4 0.144 0.133 0.131 0.128 0.122 0.116 0.106 0.125 0.143 0.167 0.198 0.294 0.431 0.525 0.579
5 0.139 0.133 0.131 0.128 0.118 0.108 0.128 0.139 0.170 0.193 0.297 0.435 0.530 0.585 0.615
6 0.129 0.125 0.123 0.122 0.111 0.130 0.142 0.170 0.197 0.293 0.439 0.538 0.591 0.622 0.653
7 0.120 0.118 0.115 0.116 0.133 0.137 0.177 0.201 0.291 0.444 0.541 0.591 0.624 0.660 0.644
8 0.123 0.118 0.115 0.128 0.140 0.181 0.206 0.293 0.453 0.547 0.597 0.624 0.663 0.651 0.642
9 0.120 0.116 0.131 0.136 0.177 0.210 0.291 0.457 0.552 0.603 0.630 0.655 0.654 0.641 0.642
10 0.120 0.125 0.138 0.173 0.214 0.288 0.466 0.556 0.615 0.630 0.662 0.650 0.640 0.641 0.650
11 0.120 0.133 0.169 0.211 0.290 0.476 0.567 0.027 0.642 0.662 0.656 0.640 0.640 0.636 0.662
12 0.136 0.165 0.216 0.287 0.486 0.579 0.640 0.655 0.675 0.656 0.639 0.639 0.635 0.681 0.693
13 0.160 0.212 0.285 0.495 0.584 0.653 0.668 0.681 0.662 0.638 0.639 0.634 0.661 0.684 0.751
14 0.208 0.281 0.506 0.589 0.667 0.675 0.688 0.668 0.643 0.638 0.633 0.660 0.683 0.750 0.813
15 0.278 0.516 0.693 0.673 0.689 0.694 0.668 0.649 0.643 0.832 0.659 0.682 0.741 0.794 0.848
16 0.526 0.691 0.079 0.695 0.705 0.680 0.654 0.649 0.638 0.658 0.674 0.740 0.789 0.830 0.882
17 0.609 0.693 0.693 0.714 0.686 0.660 0.654 0.643 0.664 0.664 0.731 0.790 0.818 0.857 0.859
18 0.699 0.691 0.696 0.692 0.665 0.659 0.840 0.661 0.662 0.721 0.773 0.772 0.783 0.807 0.832
19 0.681 0.685 0.656 0.671 0.664 0.629 0.618 0.658 0.718 0.744 0.752 0.752 0.741 0.785 0.788
20 0.654 0.610 0.634 0.644 0.642 0.605 0.604 0.653 0.713 0.722 0.717 0.717 0.717 0.719 0.746
21 0.595 0.589 0.589 0.605 0.609 0.599 0.602 0.640 0.673 0.681 0.686 0.687 0.699 0.706 0.731
22 0.553 0.529 0.542 0.573 0.597 0.602 0.596 0.638 0.661 0.657 0.665 0.678 0.669 0.701 0.710
23 0.501 0.486 0.517 0.559 0.602 0.598 0.610 0.615 0.624 0.643 0.633 0.657 0.872 0.687 0.698
24 0.444 0.455 0.500 0.557 0.604 0.614 0.614 0.614 0.619 0.618 0.635 0.640 0.684 0.685 0.710
25 0.396 0.430 0.491 0.550 0.581 0.599 0.608 0.616 0.619 0.625 0.643 0.682 0.677 0.611 0.725
26 0.352 0.410 0.476 0.520 0.549 0.572 0.598 0.618 0.625 0.626 0.646 0.658 0.670 0.703 0.744
27 0.309 0.385 0.445 0.461 0.505 0.542 0.593 0.828 0.625 0.638 0.641 0.669 0.698 0.728 0.784
28 0.327 0.396 0.453 0.487 0.511 0.553 0.607 0.628 0.640 0.635 0.674 0.696 0.715 0.775 0.843
29 0.333 0.401 0.454 0.489 0.521 0.570 0.615 0.638 0.638 0.667 0.694 0.719 0.774 0.841 0.903
30 0.334 0.399 0.451 0.506 0.536 0.581 0.618 0.651 0.678 0.694 0.722 0.772 0.840 0.902 1.005
31 0.329 0.395 0.453 0.508 0.546 0.587 0.613 0.657 0.699 0.726 0.773 0.839 0.905 1.007 1.121
32 0.322 0.393 0.459 0.514 0.552 0.586 0.615 0.666 0.724 0.778 0.842 0.903 1.004 1.119 1.284
33 0.328 0.417 0.492 0.549 0.581 0.623 0.655 0.702 0.766 0.828 0.902 1.003 1.112 1.269 1.419
34 0.336 0.437 0.522 0.576 0.615 0.662 0.700 0.765 0.826 0.906 0.998 1.115 1.258 1.397 1.552
35 0.342 0.453 0.545 0.608 0.650 0.704 0.761 0.834 0.919 1.006 1.121 1.253 1.393 1.527 1.705
36 0.344 0.463 0.572 0.642 0.682 0.750 0.792 0.915 0.990 1.107 1.239 1.407 1.526 1.678 1.857
37 0.343 0.477 0.601 0.679 0.749 0.797 0.911 0.986 1.103 1.244 1.405 1.524 1.681 1.862 2.071
38 0.356 0.499 0.621 0.711 0.786 0.909 0.993 1.110 1.254 1.420 1.539 1.678 1.860 2.078 2.337
39 0.371 0.524 0.656 0.759 0.862 0.969 1.102 1.250 1.428 1.537 1.675 1.857 2.082 2.354 2.696
40 0.388 0.563 0.711 0.845 0.942 1.043 1.203 1.387 1.559 1.692 1.854 2.097 2.340 2.693 3.119
41 0.416 0.616 0.803 0.937 1.037 1.175 1.298 1.498 1.713 1.851 2.070 2.355 2.662 3.091 3.659
42 0.453 0.708 0.900 1.047 1.171 1.249 1.390 1.626 1.869 2.043 2.340 2.641 3.055 3.661 4.258
43 0.538 0.768 0.969 1.162 1.285 1.385 1.548 1.779 2.049 2.312 2.613 3.018 3.660 4.255 4.795
44 0.621 0.838 1.072 1.275 1.380 1.548 1.714 1.963 2.260 2.553 3.018 3.547 4.115 4.740 5.305
45 0.717 0.944 1.172 1.388 1.518 1.720 1.915 2.179 2.408 2.817 3.391 4.005 4.595 5.295 5.790
46 0.856 1.048 1.269 1.524 1.751 1.928 2.151 2.350 2.650 3.132 3.819 4.491 5.149 5.705 6.296
47 1.002 1.153 1.369 1.665 1.949 2.174 2.353 2.587 2.955 3.499 4.273 5.058 5.623 6.236 6.715
48 1.031 1.245 1.506 1.820 2.155 2.371 2.608 2.930 3.381 3.957 4.839 5.570 6.105 6.575 7.103
49 1.070 1.339 1.649 1.999 2.320 2.620 2.950 3.345 3.844 4.505 5.334 6.110 6.469 6.961 7.550
50 1.104 1.452 1.611 2.131 2.529 2.948 3.364 3.794 4.401 5.050 5.844 6.340 6.879 7.420 8.055
51 1.146 1.577 1.923 2.305 2.808 3.353 3.812 4.335 4.961 5.502 6.302 6.780 7.383 8.004 8.439
52 1.182 1.644 2.072 2.527 3.150 3.788 4.354 4.878 5.409 5.935 6.754 7.261 8.023 8.299 8.186
53 1.212 1.753 2.279 2.832 3.852 4.208 4.782 5.241 5.863 6.399 7.149 7.975 8.336 9.250 9.894
GE98FULM-Male
Duration
Age 16 17 18 19 20 21 22 23 24 25 Ult.
--- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.302 0.465 0.550 0.612 0.637 0.644 0.639 0.643 0.644 0.640 0.658
1 0.446 0.521 0.618 0.644 0.650 0.645 0.650 0.651 0.646 0.665 0.688
2 0.520 0.587 0.650 0.657 0.652 0.657 0.657 0.653 0.671 0.695 0.738
3 0.588 0.601 0.664 0.658 0.663 0.664 0.659 0.678 0.702 0.746 0.790
4 0.612 0.647 0.665 0.670 0.671 0.666 0.685 0.709 0.753 0.798 0.817
5 0.650 0.645 0.677 0.677 0.673 0.692 0.717 0.761 0.806 0.825 0.831
6 0.645 0.642 0.643 0.679 0.699 0.724 0.769 0.815 0.833 0.839 0.831
7 0.642 0.643 0.638 0.706 0.731 0.776 0.823 0.842 0.848 0.839 0.825
8 0.642 0.645 0.685 0.724 0.784 0.831 0.850 0.857 0.848 0.833 0.834
9 0.644 0.677 0.716 0.784 0.831 0.859 0.865 0.856 0.842 0.843 0.853
10 0.669 0.708 0.776 0.831 0.859 0.865 0.865 0.850 0.851 0.862 0.863
11 0.700 0.768 0.831 0.859 0.865 0.866 0.859 0.860 0.870 0.871 0.866
12 0.759 0.822 0.859 0.869 0.869 0.850 0.868 0.879 0.880 0.875 0.858
13 0.817 0.858 0.874 0.874 0.850 0.868 0.888 0.889 0.884 0.867 0.851
14 0.853 0.678 0.870 0.850 0.888 0.879 0.880 0.893 0.876 0.859 0.837
15 0.887 0.875 0.850 0.859 0.870 0.862 0.888 0.885 0.868 0.846 0.837
16 0.866 0.849 0.850 0.860 0.843 0.874 0.876 0.877 0.854 0.846 0.852
17 0.849 0.840 0.850 0.824 0.855 0.878 0.877 0.863 0.854 0.661 0.893
18 0.828 0.831 0.813 0.830 0.857 0.877 0.854 0.863 0.869 0.902 0.955
19 0.799 0.793 0.807 0.820 0.849 0.854 0.837 0.878 0.911 0.964 1.043
20 0.763 0.777 0.791 0.821 0.838 0.837 0.869 0.884 0.974 1.054 1.143
21 0.737 0.761 0.802 0.817 0.836 0.860 0.883 0.964 1.064 1.154 1.278
22 0.740 0.773 0.798 0.836 0.851 0.873 0.954 1.043 1.166 1.288 1.425
23 0.753 0.779 0.817 0.841 0.873 0.944 1.042 1.154 1.301 1.439 1.604
24 0.759 0.798 0.831 0.872 0.933 1.042 1.142 1.301 1.439 1.620 1.777
25 0.778 0.821 0.071 0.932 1.041 1.142 1.301 1.439 1.604 1.795 1.945
20 0.810 0.870 0.031 1.041 1.141 1.301 1.439 1.587 1.795 1.965 2.124
27 0.869 0.930 1.040 1.140 1.301 1.439 1.587 1.786 1.965 2.145 2.354
28 0.919 1.039 1.139 1.300 1.438 1.586 1.776 1.955 2.145 2.378 2.621
29 1.038 1.136 1.299 1.437 1.585 1.775 1.944 2.123 2.354 2.648 2.976
30 1.137 1.299 1.436 1.583 1.775 1.943 2.101 2.354 2.648 3.006 3.363
31 1.298 1.435 1.582 1.773 1.942 2.099 2.353 2.647 3.006 3.397 3.850
32 1.434 1.580 1.763 1.941 2.098 2.352 2.647 3.036 3.414 3.889 4.380
33 1.679 1.732 1.019 2.097 2.351 2.648 3.036 3.431 3.925 4.424 4.934
34 1.729 1.895 2.095 2.349 2.659 3.051 3.468 3.960 4.451 4.934 5.555
35 1.893 2.093 2.347 2.872 3.066 3.491 3.998 4.483 4.984 5.555 6.159
36 2.090 2.345 2.670 3.081 3.519 4.033 4.519 5.019 5.554 6.159 6.721
37 2.343 2.683 3.096 3.643 4.069 4.560 5.050 5.524 6.190 6.653 7.420
38 2.696 3.111 3.572 4.108 4.801 5.085 5.551 6.157 6.652 7.195 8.118
39 3.128 3.608 4.144 4.638 5.110 5.590 6.155 6.685 7.192 7.708 8.878
40 3.626 4.181 4.676 5.140 6.635 6.185 6.717 7.188 7.704 8.430 9.779
41 4.219 4.713 5.182 6.662 6.215 6.750 7.183 7.698 8.424 9.384 10.629
42 4.751 5.223 5.701 6.212 6.782 7.178 7.691 8.328 9.279 9.985 11.403
43 5.265 6.728 6.208 6.779 7.172 7.683 8.272 9.171 9.869 10.827 12.403
44 5.761 6.237 6.774 7.165 7.675 8.215 8.958 9.750 10.688 11.777 13.672
45 6.265 6.769 7.151 7.665 8.204 8.740 9.737 10.460 11.642 12.981 15.300
46 6.763 7.140 7.654 8.192 8.621 9.500 10.328 11.632 12.973 14.218 18.985
47 7.179 7.043 8.130 8.551 9.371 10.312 11.621 12.983 13.737 15.441 18.667
48 7.630 8.164 8.584 9.237 10.295 11.607 13.094 13.581 15.250 16.970 20.450
49 8.148 8.617 9.273 10.277 11.593 12.939 13.538 15.054 16.951 18.384 22.464
50 8.650 9.308 10.257 11.444 12.779 13.514 14.853 16.929 18.361 20.195 24.773
51 9.402 10.230 11.291 12.615 13.488 14.824 16.712 16.231 20.170 22.021 27.268
52 10.213 11.133 12.448 13.460 14.794 16.488 18.095 19.910 21.737 24.238 29.646
53 10.971 12.272 13.430 14.781 16.456 18.063 19.644 21.446 23.926 26.951 32.674
54 1.263 1.900 2.547 3.153 3.888 4.596 5.049 5.622 6.311 7.005 7.919 8.324 9.279
55 1.340 2.096 2.827 3.556 4.271 4.816 5.373 5.983 6.900 7.839 8.331 9.207 9.899
56 1.457 2.294 3.188 3.943 4.484 5.092 5.603 6.473 7.719 8.352 9.106 9.826 9.992
57 1.568 2.568 3.532 4.164 4.764 5.264 6.039 7.181 8.383 6.963 9.672 9.814 11.451
58 1.933 2.961 3.782 4.537 5.056 5.789 6.636 7.686 8.944 9.568 9.630 11.278 12.473
59 2.315 3.198 4.132 4.825 5.652 6.393 7.265 8.290 9.119 9.540 11.262 12.081 13.657
60 2.627 3.552 4.392 6.422 6.181 7.048 7.867 8.607 9.042 10.050 11.790 13.221 15.010
61 2.915 3.818 4.965 5.954 6.912 7.666 8.322 8.667 9.635 10.466 12.260 14.740 16.900
62 3.200 4.409 5.470 6.693 7.577 8.166 8.486 9.610 10.422 11.925 14.463 16.609 18.314
63 3.459 4.681 6.031 7.261 8.023 8.513 9.744 10.451 11.688 13.750 16.544 17.992 19.643
64 3.675 5.131 6.501 7.633 8.153 9.611 10.476 11.603 13.592 16.241 17.662 19.282 22.230
65 3.903 5.475 6.839 7.656 9.044 10.574 11.424 13.422 16.092 17.323 18.913 21.839 24.415
66 4.088 5.751 6.802 8.188 9.761 11.233 13.240 15.930 17.149 18.533 21.128 23.986 26.541
67 4.270 5.686 7.098 8.636 10.721 13.228 15.910 16.961 18.795 20.714 23.205 25.692 29.961
68 4.528 6.033 7.604 9.429 11.540 14.004 16.668 19.056 20.175 22.405 24.823 30.059 34.812
69 4.954 6.580 8.340 10.233 12.378 14.848 17.489 19.925 22.612 23.934 30.179 34.262 41.349
70 5.408 7.176 9.076 11.070 13.305 15.784 18.268 20.731 23.719 28.698 32.893 38.784 47.568
71 6.016 7.890 9.909 12.005 14.352 16.723 18.985 21.578 24.730 26.213 35.868 45.885 55.131
72 6.695 8.752 10.849 14.484 16.666 17.654 21.393 23.896 26.804 29.777 38.935 54.825 60.811
73 7.058 10.637 14.454 16.297 17.541 21.006 23.497 25.383 29.508 35.100 50.807 58.158 65.512
74 7.749 11.733 15.905 17.510 20.174 23.072 24.924 29.053 35.816 48.876 55.445 63.328 69.236
75 8.546 12.912 17.468 19.728 22.158 24.435 28.568 36.547 48.003 53.339 61.093 67.630 75.421
76 9.405 14.180 19.253 21.668 24.425 28.051 36.605 46.439 51.706 58.806 65.208 73.699 81.077
77 10.331 15.631 21.150 23.885 27.501 35.634 44.141 49.984 57.043 63.514 71.934 81.006 88.372
78 11.390 17.171 23.314 26.917 35.740 42.392 47.462 54.427 62.410 70.126 80.026 87.832 96.073
79 12.508 18.925 25.714 32.714 39.200 45.539 52.452 60.418 68.970 78.110 86.791 96.022 99.553
80 13.789 20.874 28.234 36.876 42.776 50.374 58.318 67.739 76.923 85.719 95.960 99.466 107.683
81 15.205 22.924 30.963 39.149 47.387 56.108 66.428 75.656 85.481 94.845 99.368 107.601 116.458
82 16.697 25.140 33.792 45.656 54.651 65.036 73.340 83.675 94.653 99.255 108.688 116.383 126.698
83 18.314 31.070 40.397 52.581 62.624 71.883 82.796 94.415 99.004 108.593 116.294 127.207 136.487
84 24.268 37.796 47.525 60.176 70.335 81.317 93.019 98.702 108.374 116.192 127.140 137.866 147.902
85 31.095 45.103 55.400 68.469 79.744 90.398 99.532 110.585 118.563 127.058 139.258 149.356 164.683
86 38.623 53.205 64.061 77.491 88.784 98.145 111.574 119.653 128.257 139.932 150.825 166.347 177.860
87 47.045 62.153 73.539 87.258 98.701 111.264 120.739 130.163 142.041 152.302 168.027 179.657 192.632
88 56.405 71.973 83.858 98.014 110 894 123.203 132.093 144.930 155.369 169.724 181.471 194.477 208.893
89 66.754 82.698 95.262 109.852 122.892 133.308 147.897 158.497 173.188 183.304 198.441 211.003 227.694
90 78.122 94.572 107.856 122.858 136.029 150.121 161.689 176.723 187.045 198.425 213.134 229.994 249.329
91 90.764 107.709 121.738 137.150 152.375 164.939 180.329 190.863 202.475 215.287 232.317 251.848 274.259
92 104.789 122.214 137.040 153.201 168.164 184.009 194.758 206.607 219.681 234.663 254.391 277.029 303.059
93 120.323 138.223 154.241 171.256 187.765 198.732 210.823 224.164 239.452 256.961 279.827 306.120 336.395
94 137.525 156.240 173.632 191.697 202.788 215.128 228.739 244.339 262.205 282.654 309.212 339.793 376.760
95 156.912 176.557 195.607 206.927 219.516 233.407 249.326 267.556 288.422 312.335 343.225 380.566 425.739
96 178.808 199.497 211.150 223.996 238.170 254.414 273.017 294.308 318.709 346.692 384.410 430.040 485.345
97 203.568 215.469 228.568 243.031 259.606 278.588 300.315 325.214 353.768 388.293 434.384 490.248 558.141
98 219.856 233.232 247.991 264.904 284.274 306.444 331.851 360.987 396.217 438.771 495.200 563.779 647.181
99 237.992 253.052 270.310 290.075 312.698 338.623 368.355 404.303 447.726 500.202 569.474 653.718 0.000
54 9.894 10.608 12.094 12.399 14.726 16.422 18.028 19.606 21.405 23.606 27.223 30.364 35.888
55 10.167 11.822 13.365 14.689 16.386 17.772 19.565 21.361 23.560 27.192 30.337 32.988 39.560
56 11.639 13.062 14.743 16.347 17.730 19.522 21.182 23.512 27.158 30.307 32.955 36.363 43.633
57 12.687 14.501 16.099 17.685 19.476 21.130 23.460 27.121 30.273 32.918 36.326 40.988 47.434
58 14.084 15.732 17.637 19.181 21.075 23.404 26.765 30.235 32.877 36.693 41.180 46.476 52.020
59 15.272 17.235 18.878 21.017 23.345 26.718 29.846 32.831 36.652 41.371 46.703 52.020 56.769
60 17.183 18.687 20.818 23.282 25.345 29.447 32.782 36.608 41.562 46.931 52.546 56.769 61.815
61 18.379 20.608 23.216 25.962 29.390 32.728 36.556 41.752 47.158 53.076 57.285 61.815 66.765
62 19.994 22.981 25.732 29.329 32.670 38.501 41.942 47.385 53.342 67.805 62.377 67.372 71.939
63 22.611 26.569 28.903 32.607 36.441 42.132 47.612 63.607 58.330 62.943 68.052 72.593 77.334
64 24.833 28.642 32.539 36.376 42.321 47.838 53.872 58.059 63.515 68.671 73.326 78.037 82.939
65 27.370 32.143 36.525 42.509 48.064 54.137 59.394 64.091 69.295 73.992 78.825 83.693 88.743
66 31.265 36.306 42.688 48.290 54.402 59.933 64.873 89.925 74.665 79.621 84.539 89.460 94.956
67 35.347 42.456 48.516 54.667 60.477 65.260 70.560 75.343 80.345 85.307 90.364 95.820 101.607
68 41.911 48.741 54.932 61.025 65.852 71.201 76.028 81.076 86.169 91.185 98.691 102.633 108.717
69 48.163 55.106 61.679 66.450 71.848 76.719 81.812 86.952 92.106 97.667 103.566 109.815 116.327
70 56.167 62.137 67.052 72.601 77.416 82.555 87.830 92.843 98.555 104.612 110.814 117.502 124.761
71 61.484 67.661 73.159 78.119 83.306 88.628 93.882 90.550 105.563 111.821 118.452 126.021 134.120
72 66.949 73.824 78.829 84.062 89.434 94.831 100.455 108.620 112.950 119.528 127.039 135.475 144.513
73 70.803 78.741 83.800 88.975 96.211 100.859 106.843 112.033 120.372 127.294 133.311 145.973 156.076
74 77.102 82.919 86.957 95.687 100.848 106.832 112.010 121.344 128.580 134.541 147.447 157.653 168.951
75 82.012 88.929 86.163 100.828 106.810 113.142 121.704 129.879 136.777 148.937 159.245 170.657 183.308
76 88.892 96.144 100.796 106.777 113.106 122.934 129.865 137.024 150.441 160.854 172.381 185.159 199.806
77 96.114 100.154 106.732 114.249 123.545 131.177 138.283 161.961 162.478 174.122 187.030 201.824 218.791
78 100.700 106.675 114.201 123.520 131.150 139.558 153.496 164.119 175.881 188.919 203.863 221.002 240.668
79 107.753 115.354 124.767 132.475 140.840 155.048 165.777 177.658 190.827 205.922 223.234 243.099 265.940
80 115.293 125.378 133.813 142.230 156.612 167.452 179.452 192.755 208.002 225.489 245.554 288.627 295.194
81 125.988 135.185 143.629 158.194 169.143 181.265 194.702 210.103 227.766 248.035 271.340 298.176 330.615
82 135.826 145.041 159.792 170.852 183.098 196.668 212.225 230.067 250.640 274.081 301.188 333.955 373.595
83 146.462 161.406 172.578 184.945 198.655 214.369 232.391 253.071 276.849 304.230 337.328 377.369 425.901
84 163.037 174.321 186.813 200.662 216.534 234.738 255.627 279.848 307.303 340.735 381.181 430.203 489.781
85 176.082 188.700 202.688 218.722 237.109 258.209 282.470 310.407 344.177 385.031 434.548 494.728 567.915
86 190.607 204.736 220.931 239.505 260.817 285.324 313.542 347.654 388.920 438.938 499.725 673.652 0.000
87 206.804 223.162 241.924 263.452 286.206 316.709 351.165 382.849 443.371 504.773 579.446 0.000 0.000
88 225.417 244.367 286.113 261.117 319.909 354.712 396.817 447.850 509.872 585.299 0.000 0.000 0.000
89 246.836 268.801 294.057 323.140 358.295 400.825 452.314 516.022 591.211 0.000 0.000 0.000 0.000
90 271.516 297.028 326.404 361.914 404.874 456.943 620.224 597.183 0.900 0.000 0.000 0.000 0.000
91 300.028 329.701 365.570 408.964 461.559 525.479 603.215 0.000 0.000 0.000 0.000 0.000 0.000
92 333.031 369.263 413.095 466.221 530.787 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000
93 372.983 417.267 470.930 536.148 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
94 421.482 476.687 541.664 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 480.492 547.034 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 552.560 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
GE98FULM - Female
Duration
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 0.528 0.329 0.192 0.113 0.089 0.094 0.099 0.097 0.095 0.100 0.099 0.105 0.129 0.147 0.152
1 0.176 0.118 0.092 0.063 0.081 0.080 0.099 0.097 0.102 0.100 0.092 0.124 0.136 0.135 0.148
2 0.120 0.090 0.077 0.075 0.081 0.101 0.099 0.101 0.102 0.093 0.125 0.131 0.129 0.141 0.190
3 0.064 0.063 0.069 0.083 0.103 0.101 0.106 0.104 0.095 0.120 0.125 0.124 0.136 0.192 0.222
4 0.064 0.071 0.077 0.098 0.103 0.108 0.099 0.097 0.116 0.120 0.125 0.131 0.194 0.224 0.254
5 0.072 0.078 0.092 0.090 0.096 0.094 0.092 0.111 0.123 0.120 0.132 0.190 0.227 0.250 0.260
6 0.080 0.086 0.077 0.083 0.089 0.087 0.106 0.125 0.123 0.133 0.192 0.229 0.252 0.283 0.279
7 0.080 0.078 0.077 0.090 0.089 0.101 0.120 0.125 0.136 0.193 0.231 0.248 0.265 0.269 0.292
8 0.080 0.078 0.085 0.090 0.096 0.123 0.120 0.132 0.197 0.233 0.251 0.255 0.265 0.288 0.292
9 0.080 0.086 0.092 0.098 0.125 0.123 0.135 0.194 0.238 0.253 0.251 0.268 0.291 0.288 0.317
10 0.088 0.094 0.100 0.128 9.125 0.137 0.198 0.236 0.252 0.253 0.271 0.288 0.285 0.314 0.304
11 0.098 0.102 0.131 0.128 0.133 0.202 0.241 0.257 0.259 0.273 0.284 0.288 0.311 0.301 0.317
12 0.096 0.133 0.123 0.136 0.207 0.246 0.262 0.264 0.279 0.287 0.284 0.307 0.304 0.314 0.343
13 0.112 0.125 0.131 0.211 0.251 0.260 0.262 0.285 0.286 0.287 0.304 0.301 0.311 0.333 0.362
14 0.128 0.133 0.207 0.256 0.266 0.260 0.291 0.292 0.288 0.300 0.304 0.307 0.324 0.359 0.387
15 0.133 0.215 0.258 0.269 0.268 0.297 0.299 0.287 0.288 0.290 0.302 0.329 0.363 0.391 0.366
16 0.215 0.261 0.271 0.270 0.295 0.289 0.285 0.290 0.289 0.298 0.324 0.350 0.365 0.350 0.355
17 0.264 0.267 0.269 0.290 0.286 0.282 0.291 0.292 0.299 0.320 0.341 0.354 0.329 0.328 0.363
18 0.268 0.267 0.282 0.283 0.263 0.264 0.275 0.293 0.319 0.336 0.347 0.328 9.323 0.356 0.368
19 0.265 0.280 0.287 0.263 0.248 0.251 0.273 0.307 0.337 0.341 0.327 0.314 0.333 0.383 0.373
20 0.255 0.274 0.259 0.246 0.238 0.250 0.282 0.318 0.344 0.327 0.315 0.318 0.344 0.370 0.374
21 0.233 0.237 0.234 0.234 0.239 0.260 0.288 0.318 0.323 0.313 0.320 0.332 0.355 0.373 0.385
22 0.184 0.204 0.215 0.233 0.251 0.283 0.302 0.292 0.306 0.323 0.335 0.355 0.366 0.382 0.403
23 0.164 0.188 0.214 0.251 0.278 0.293 0.291 0.294 0.314 0.334 0.353 0.365 0.383 0.401 0.425
24 0.149 0.180 0.223 0.267 0.297 0.294 4.292 0.308 0.331 0.354 0.367 0.383 0.404 0.428 0.457
25 0.139 0.179 0.230 0.275 0.291 0.290 9.306 0.330 0.350 0.368 0.386 0.403 0.430 0.458 0.481
26 0.135 0.176 0.228 0.259 0.290 0.313 0.334 0.355 0.372 0.385 0.403 0.424 0.460 0.485 0.518
27 0.128 0.165 0.207 0.248 0.299 0.338 0.362 0.377 0.389 0.400 0.427 0.462 0.467 0.523 0.578
28 0.141 0.165 0.204 0.248 0.304 0.347 0.371 0.395 0.408 0.431 0.462 0.487 0.528 0.573 0.637
29 0.141 0.167 0.209 0.256 0.310 0.351 0.384 0.411 0.435 0.466 0.492 0.530 0.575 0.635 0.703
30 0.144 0.175 0.220 0.264 0.312 0.359 0.395 0.435 0.468 0.496 0.535 0.579 0.641 0.710 0.780
31 0.151 0.189 0.232 0.269 0.317 0.364 0.413 0.462 0.497 0.540 0.578 0.846 0.715 0.787 0.861
32 0.164 0.204 0.241 0.276 0.320 0.375 0.433 0.485 0.538 0.577 0.653 0.718 0.793 0.870 0.959
33 0.169 0.213 0.259 0.300 0.351 0.406 0.454 0.516 0.586 0.658 0.718 0.797 0.879 0.969 1.063
34 0.173 0.225 0.276 0.330 0.387 0.434 0.487 0.562 0.645 0.719 0.800 0.880 0.979 1.074 1.178
35 0.178 0.235 0.298 0.364 0.419 0.472 0.535 0.621 0.712 0.786 0.875 0.977 1.084 1.189 1.300
36 0.182 0.251 0.324 0.395 0.463 0.527 0.595 0.687 0.785 0.863 0.967 1.079 1.200 1.312 1.431
37 0.189 0.268 0.347 0.437 0.524 0.595 0.663 0.759 0.669 0.957 1.063 1.190 1.325 1.445 1.582
38 0.197 0.279 0.369 0.477 0.577 0.657 0.728 0.830 0.955 1.058 1.189 1.322 1.459 1.597 1.766
39 0.201 0.297 0.404 0.527 0.637 0.724 0.803 0.917 1.043 1.168 1.326 1.460 1.613 1.783 1.966
40 0.210 0.325 0.448 0.584 0.703 0.602 0.895 1.007 1.138 1.287 1.471 1.625 1.800 1.985 2.138
41 0.226 0.359 0.497 0.646 0.779 0.898 0.991 1.105 1.238 1.411 1.636 1.815 2.005 2.159 2.324
42 0.245 0.398 0.551 0.718 0.872 1.000 1.098 1.209 1.340 1.552 1.768 2.018 2.178 2.347 2.495
43 0.273 0.445 0.620 0.811 0.970 1.101 1.201 1.323 1.482 1.724 2.024 2.194 2.367 2.520 2.729
44 0.305 0.500 0.704 0.910 1.079 1.210 1.308 1.453 1.655 1.911 2.184 2.371 2.540 2.712 3.025
45 0.341 0.567 0.795 1.021 1.198 1.322 1.429 1.611 1.844 2.080 2.355 2.562 2.736 3.046 3.292
46 0.386 0.639 0.896 1.143 1.323 1.451 1.577 1.763 2.018 2.264 2.539 2.749 3.068 3.317 3.532
47 0.434 0.720 1.006 1.272 1.468 1.607 1.736 1.938 2.209 2.462 2.774 3.088 3.342 3.567 3.800
48 0.484 0.777 1.065 1.338 1.563 1.728 1.855 2.078 2.362 2.665 3.017 3.342 3.601 3.798 4.029
49 0.538 0.834 1.127 1.419 1.659 1.823 1.984 2.227 2.560 2.096 3.251 3.584 3.799 4.035 4.384
50 0.596 0.898 1.203 1.497 1.727 1.924 2.120 2.418 2.783 3.116 3.473 3.820 4.032 4.353 4.795
51 0.662 0.975 1.278 1.547 1.797 2.027 2.296 2.633 2.995 3.325 3.666 4.059 4.298 4.721 5.233
52 0.742 1.056 1.331 1.600 1.866 2.184 2 490 2.836 3.198 3.526 3.899 4.212 4.601 5.109 5.693
53 0.765 1.095 1.412 1.712 2.050 2.411 2.768 3.147 3.523 3.857 4.142 4.601 5.069 5.639 6.216
Duration
Age 16 17 18 19 20 21 22 23 24 25 Ult.
--- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------
0 0.163 0.194 0.223 0.250 0.277 0.306 0.328 0.314 0.302 0.297 0.305
1 0.196 0.225 0.252 0.280 0.309 0.331 0.317 0.305 0.300 0.309 0.332
2 0.227 0.255 0.283 0.312 0.335 0.320 0.308 0.303 0.312 0.336 0.358
3 0.257 0.286 0.316 0.338 0.323 0.312 0.306 0.315 0.339 0.362 0.373
4 0.289 0.319 0.341 0.327 0.315 0.309 0.318 0.342 0.365 0.377 0.356
5 0.322 0.345 0.330 0.318 0.312 0.321 0.346 0.369 0.380 0.360 0.346
6 0.348 0.333 0.321 0.315 0.324 0.349 0.373 0.384 0.364 0.349 0.348
7 0.337 0.324 0.319 0.328 0.353 0.376 0.388 0.367 0.353 0.351 0.360
8 0.328 0.322 0.331 0.356 0.380 0.392 0.371 0.356 0.355 0.364 0.373
9 0.325 4.334 0.360 0.384 0.396 0.375 0.360 0.358 0.367 0.377 0.383
10 0.338 0.364 0.388 0.400 0.379 0.363 0.362 0.371 0.381 0.387 0.396
11 0.367 0.392 0.404 0.382 0.367 0.366 0.375 0.384 0.391 0.400 0.410
12 0.396 0.408 0.388 0.371 0.369 0.379 0.388 0.395 0.404 0.414 0.428
13 0.412 0.390 0.375 0.373 0.382 0.392 0.399 0.408 0.418 0.433 0.449
14 0.394 0.378 0.377 0.388 0.396 0.403 0.412 0.423 0.437 0.453 0.465
15 0.382 0.381 0.390 0.400 0.407 0.416 0.427 0.441 0.458 0.469 0.486
16 0.384 0.394 0.404 0.411 0.420 0.431 0.446 0.463 0.474 0.491 0.527
17 0.398 0.408 0.415 0.424 0.436 0.450 0.467 0.479 0.496 0.533 0.579
18 0.413 0.419 0.429 0.440 0.455 0.472 0.484 0.501 0.538 0.585 0.637
19 0.423 0.433 0.444 0.459 9.477 0.489 0.506 0.543 0.591 0.643 0.700
20 0.437 0.449 0.464 0.482 0.494 0.511 0.549 0.597 0.650 0.707 0.772
21 0.404 0.464 0.482 0.499 0.516 0.554 0.803 0.656 0.714 0.780 0.661
22 0.422 0.448 0.479 0.522 0.560 0.609 0.663 0.721 0.788 0.870 0.955
23 0.452 0.479 0.522 0.566 0.615 0.669 0.728 0.796 0.879 0.965 1.058
24 0.478 0.521 0.584 0.621 0.676 0.736 0.804 0.887 0.974 1.069 1.170
25 0.521 0.568 0.621 0.676 0.743 0.812 0.896 0.984 1.080 1.192 1.287
26 0.573 0.627 0.683 0.749 0.820 0.905 0.994 1.091 1.194 1.300 1.421
27 0.634 0.690 0.757 0.827 0.915 1.004 1.102 1.206 1.313 1.435 1.584
28 0.697 0.764 0.836 0.922 1.014 1.113 1.218 1.326 1.449 1.600 1.762
29 0.772 0.844 0.931 1.023 1.124 1.230 1.340 1.464 1.616 1.779 1.925
30 0.853 0.940 1.032 1.134 1.243 1.353 1.479 1.632 1.797 1.945 2.086
31 0.950 1.042 1.145 1.252 1.367 1.494 1.649 1.818 1.984 2.107 2.283
32 1.053 1.156 1.264 1.378 1.509 1.865 1.834 1.984 2.129 2.286 2.486
33 1.167 1.276 1.391 1.523 1.681 1.652 2.004 2.150 2.309 2.511 2.769
34 1.290 1.404 1.537 1.698 1.869 2.024 2.172 2.332 2.538 2.797 3.079
35 1.418 1.552 1.716 1.888 2.039 2.189 2.356 2.562 2.825 3.110 3.402
36 1.587 1.732 1.907 2.058 2.212 2.368 2.588 2.854 3.141 3.438 3.675
37 1.749 1.926 2.078 2.233 2.389 2.606 2.883 3.173 3.471 3.713 3.957
38 1.946 2.096 2.255 2.411 2.622 2.897 3.192 3.471 3.713 3.957 4.280
39 2.118 2.276 2.433 2.640 2.912 3.221 3.401 3.675 3.997 4.280 4.653
40 2.301 2.453 2.662 2.929 3.237 3.435 3.674 3.917 4.236 4.606 5.047
41 2.470 2.686 2.956 3.237 3.434 3.673 3.915 4.214 4.653 4.971 5.457
42 2.708 2.977 3.238 3.469 3.710 3.934 4.234 4.876 4.996 5.348 5.888
43 3.001 3.252 3.504 3.709 3.953 4.255 4.699 5.021 5.375 5.829 6.437
44 3.268 3.502 3.748 3.972 4.275 4.722 5.048 5.401 5.888 6.372 7.103
45 3.500 3.744 3.991 4.296 4.746 5.070 5.456 5.918 6.404 7.103 7.851
46 3.782 4.010 4.316 4.769 5.095 5.482 5.947 6.436 7.175 7.851 8.743
47 4.029 4.336 4.792 5.120 5.509 6.007 6.501 7.247 7.930 8.743 9.730
48 4.357 4.790 5.144 5.565 6.037 8.533 7.321 0.010 8.631 9.798 10.687
49 4.788 5.169 5.621 6.098 6.599 7.357 8.091 8.893 9.897 10.687 11.728
50 5.193 5.648 6.128 8.632 7.401 8.173 8.983 9.987 10.762 11.609 12.840
51 5.675 6.158 6.899 7.466 0.255 9.056 10.078 10.830 11.702 12.580 14.083
52 8.188 0.766 7.544 8.339 9.147 10.170 10.936 11.760 12.707 13.799 15.476
53 6.814 7.620 8.423 9.240 10.282 11.036 11.642 12.836 13.938 14.772 17.350
54 0.771 1.144 1.495 1.857 2.254 2.655 3.059 3.473 3.868 4.115 4.524 5.018
55 0.786 1.190 1.604 2.009 2.447 2.909 3.365 3.622 4.141 4.517 4.930 5.450
56 0.794 1.255 1.713 2.143 2.644 3.174 3.689 4.095 4.560 4.946 5.354 5.909
57 0.812 1.305 1.795 2.278 2.850 3.454 3.933 4.518 5.010 5.397 5.803 6.490
58 0.828 1.406 2.000 2.567 3.183 3.654 4.224 4.783 5.282 5.687 6.229 7.093
59 0.840 1.524 2.229 2.881 3.389 3.995 4.527 5.045 5.553 6.066 6.815 7.684
60 0.848 1.659 2.477 3.105 3.765 4.358 4.834 5.307 5.910 6.595 7.391 8.384
61 0.870 1.803 2.621 3.480 4.170 4.739 5.151 5.652 6.409 7.105 8.074 9.137
62 0.889 1.825 2.906 3.889 4.602 5.142 5.559 6.133 6.886 7.707 8.809 9.824
63 0.914 2.025 3.131 4.087 4.762 5.357 5.937 6.534 7.391 8.269 9.384 10.553
64 1.065 2.241 3.362 4.283 4.982 5.678 5.275 7.004 7.915 8.745 9.977 11.304
65 1.234 2.471 3.603 4.544 5.305 5.950 6.669 7.490 0.354 8.226 10.572 12.128
66 1.418 2.716 3.912 4.911 5.588 6.265 7.066 7.894 6.794 9.696 11.211 13.025
67 1.621 3.027 4.330 5.257 5.917 6.814 7.735 8.297 9.219 10.190 11.895 14.266
68 1.939 3.526 4.915 6.027 6.796 7.620 8.415 9.102 10.241 11.708 14.348 17.581
69 2.348 4.064 5.618 6.900 7.697 8.586 9.048 10.005 11.395 13.698 17.508 21.739
70 2.599 3.983 6.055 6.943 7.771 8.665 9.666 10.976 13.099 16.491 20.671 24.725
71 2.919 4.298 6.362 7.152 8.508 9.504 10.814 12.497 15.405 19.541 23.756 28.289
72 3.358 4.869 6.743 7.745 9.350 10.641 12.232 14.994 18.793 22.458 27.530 32.275
73 3.779 5.424 7.209 6.496 10.355 11.929 14.807 17.899 21.660 26.048 31.108 35.768
74 4.254 6.026 7.812 9.438 11.722 14.101 17.065 20.821 24.855 29.360 34.355 39.107
75 4.684 6.610 8.793 10.696 13.361 16.397 19.775 23.970 28.056 32.342 37.612 43.017
76 5.178 7.370 10.093 12.323 15.399 18.678 22.738 27.059 31.129 35.367 41.458 47.279
77 5.733 8.550 11.638 14.505 16.038 21.523 25.630 30.171 34.433 39.078 46.010 54.969
78 8.489 9.828 13.567 16.670 20.117 24.518 28.326 33.794 37.954 43.533 52.848 64.766
79 7.466 11.327 15.592 19.272 23.746 27.483 31.441 37.584 42.621 50.679 62.051 76.196
80 8.621 13.090 17.922 21.946 26.303 30.271 35.017 41.653 49.645 58.879 73.476 88.368
81 9.926 15.102 20.566 24.274 29.041 33.576 39.065 47.140 58.143 69.579 84.029 95.598
82 11.399 17.255 22.907 26.670 32.062 37.630 44.154 58.033 09.106 80.634 94.089 102.132
83 12.944 19.521 25.290 29.586 36.446 42.588 55.495 65.850 79.184 91.696 101.690 108.573
84 15.202 21.509 27.840 33.869 42.984 54.912 68.948 80.336 92.921 102.370 109.406 122.024
85 18.891 24.288 31.049 39.666 54.474 67.821 81.727 94.402 103.915 110.244 123.068 137.235
86 24.207 30.425 38.919 51.818 68.713 82.912 96.104 105.674 112.080 124.121 136.520 154.403
87 29.635 38.124 50.777 69.602 84.123 97.620 107.646 114.090 126.362 139.617 155.963 166.752
80 37.281 49.859 68.565 85.336 99.158 109.466 116.270 128.743 142.506 157.538 168.437 180.513
89 47.460 59.822 64.670 100.718 111.316 118.354 131.255 145.308 160.753 170.138 182.336 195.858
90 67.775 06.261 100.557 113.195 120.474 133.727 148.227 164.034 173.610 184.176 197.834 213.480
91 84.624 102.485 113.633 122.647 136.260 151.141 167.382 177.153 187.937 109.833 215.637 233.759
92 101.438 115.850 123.703 138.826 154.112 170.798 160.769 191.772 203.911 217.815 236.120 257.138
93 115.566 126.138 140.625 157.142 174.283 184.458 195.686 206.072 222.260 238.505 259.734 284.135
94 126.688 143.431 159.793 177.840 188.222 199.680 212.319 228.796 243.373 262.357 287.005 315.390
95 144.907 163.020 161.470 192.063 203.755 216.652 231.425 246.339 267.711 289.904 318.575 353.234
96 165.575 165.173 195.983 207.913 221.073 236.148 253.408 273.175 295.821 321.793 356.802 399.151
97 160.952 199.983 212.155 225.585 240.967 258.579 278.750 301.858 328.361 360.406 403.183 455.032
98 204.064 216.486 230.189 245.885 263.856 284.439 308.018 335.062 387.761 407.258 459.628 523.207
99 220.904 234.686 250.903 269.241 200.243 314.304 341.900 375.266 415.567 454.271 528.573 653.718
54 5.566 6.207 6.876 7.697 8.508 9.286 10.355 11.124 11.925 12.939 14.979 14.842
55 6.097 6.920 7.754 6.594 9.379 10.449 11.237 12.033 13.029 14.148 14.833 16.286
56 6.765 7.693 8.669 9.474 10.544 11.350 12.142 13.092 14.217 14.983 18.272 18.362
57 7.653 6.503 9.570 10.651 11.441 12.201 13.197 14.286 15.053 18.255 18.343 20.929
58 8.256 9.628 10.719 11.522 12.324 13.289 14.354 15.122 18.237 18.323 21.923 25.657
59 8.970 10.452 11.612 12.449 13.352 14.469 15.192 18.401 16.300 21.117 25.376 27.736
60 9.732 11.193 12.564 13.487 14.569 15.282 16.381 10.275 21.330 25.360 27.892 31.607
61 10.415 11.967 13.561 14.638 15.247 16.546 18.141 21.425 25.341 28.080 31.858 35.691
62 11.127 12.755 14.661 15.401 18.713 10.217 21.519 25.040 28.301 32.002 35.860 38.976
63 11.945 13.612 15.556 16.690 18.293 21.613 25.012 28.491 32.148 36.028 39.161 42.720
64 12.841 14.542 16.620 18.368 21.706 25.123 20.618 32.293 36.196 39.345 43.152 48.040
65 13.824 15.837 18.465 21.800 25.233 28.907 32.620 36.364 39.742 43.356 48.526 55.651
66 15.177 17.520 21.893 25.343 29.134 32.949 36.532 39.712 43.559 48.859 56.153 65.245
67 17.578 21.599 25.453 29.329 33.097 36.699 40.113 43.999 49.248 56.601 85.766 76.404
68 21.558 25.415 29.457 33.431 36.663 40.298 44.205 49.479 56.870 66.290 77.095 88.024
69 25.397 29.417 33.580 31.033 40.483 44.410 49.979 57.445 60.605 77.709 58.448 96.836
70 28.928 33.272 36.991 40.532 44.371 49.941 57.531 67.063 78.079 88.871 97.814 103.138
71 32.684 30.861 40.624 44.524 50.336 57.863 67.451 78.784 89.294 98.386 103.962 105.618
72 36.046 40.438 44.625 50.124 56.258 67.767 79.240 90.196 98.750 104.682 106.439 115.557
73 39.828 44.473 50.183 58.529 68.157 79.358 90.138 99.216 105.295 107.514 116.008 125.673
74 43.755 49.447 55.477 60.398 79.812 91.048 100.219 105.910 108.146 116.818 127.018 136.861
75 48.405 57.770 68.863 79.919 91.770 101.231 106.526 108.894 117.450 128.169 138.243 147.807
76 56.386 68.267 80.285 92.297 101.707 107.259 109.878 118.206 129.398 139.640 149.300 160.004
77 66.499 79.314 92.019 192.182 107.764 110.286 118.903 130.639 141.050 150.808 151.020 173.604
78 78.315 90.706 102.098 108.386 110.927 119.476 131.358 142.475 152.331 163.253 175.357 189.226
79 89.563 100.312 108.537 110.494 119.796 131.875 143.914 153.870 164.902 177.129 191.137 207.200
80 99.048 106.415 110.766 119.981 132.349 145.388 155.424 166.567 178.918 193.068 209.293 227.922
81 104.722 108.472 120.288 132.213 146.836 156.994 168.250 180.725 195.018 211.407 230.224 251.853
62 107.733 119.961 133.451 148.319 156.580 169.949 182.551 196.988 213.543 232.549 254.397 279.557
83 120.988 134.701 149.817 160.181 171.666 184.395 198.978 215.700 234.898 256.967 282.380 313.101
84 135.962 151.331 161.799 173.400 186.257 200.988 217.879 237.271 259.562 285.233 316.264 353.802
85 152.859 163.434 175.152 188.138 203.018 220.079 239.668 262.184 288.114 319.458 357.376 403.333
86 165.085 176.921 190.039 205.068 222.302 242.089 264.832 291.024 322.685 360.985 407.407 463.834
87 176.708 191.958 207.140 224.548 244.534 267.507 293.964 325.945 364.632 411.523 468.519 579.448
80 193.897 209.232 226.818 247.004 270.210 296.933 329.237 368.315 415.679 473.252 585.299 0.000
89 211.346 229.107 249.499 272.939 299.932 332.563 372.035 419.878 478.032 591.211 0.000 0.000
90 231.421 252.019 275.696 302.962 335.922 375.793 424.119 482.860 597.183 0.000 0.000 0.000
91 254.565 270.481 308.022 339.315 379.589 428.403 487.738 603.215 0.000 0.000 0.000 0.000
92 281.294 309.113 342.742 383.423 432.731 492.665 609.308 0.000 0.000 0.000 0.000 0.000
93 312.236 346.204 387.296 437.102 497.641 615.483 0.000 0.000 0.000 0.000 0.000 0.000
94 349.701 391.208 441.517 502.668 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 395.160 445.977 507.745 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 450.481 512.874 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 518.054 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.009 0.000
98 647.181 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
54 16.298 19.776
55 18.378 22.792
56 20.950 26.194
57 25.665 29.971
58 27.549 33.782
59 31.393 37.213
60 35.334 40.639
61 38.587 44.543
62 42.743 50.090
63 47.613 57.535
64 55.152 67.384
65 64.661 76.992
66 75.600 90.338
67 87.600 99.904
68 96.877 105.627
69 102.426 108.031
70 105.631 115.605
71 114.752 124.488
72 124.865 134.137
73 135.492 144.865
74 146.329 156.820
75 158.404 170.149
76 171.868 185.460
77 107.334 203.077
78 205.128 223.366
79 225.642 246.841
80 249.334 273.993
81 276.761 300.870
62 309.970 348.761
83 350.264 395.307
84 399.300 454.604
85 459.198 567.915
86 573.652 0.000
87 0.000 0.000
80 0.000 0.000
89 0.000 0.000
90 0.000 0.000
91 0.000 0.000
92 0.000 0.000
93 0.000 0.000
94 0.000 0.000
95 0.000 0.000
96 0.000 0.000
97 0.000 0.000
98 0.000 0.000
99 0.000 0.000
BMA Reinsurance
Exhibit IIA
Miscellaneous Premiums
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Policy Fees on Yearly Renewable Term Rate Business
There are no policy fees.
Flat Extra Premiums
PERMANENT EXTRAS (for more than Five Years)
Reinsurance premium in the first year is zero. In renewal years, it is 85% of
the flat extra premium charged the insured by the CEDING COMPANY, multiplied by
the initial amount ceded.
TEMPORARY FLAT EXTRA (for Five Years or Less)
Reinsurance premium is 90% of the flat extra premium charged the insured by the
CEDING COMPANY in first and renewal years, multiplied by the initial amount
ceded.
Page 1 of 1
BMA Reinsurance
Exhibit IIB
Percentages of Premium
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Above $2,000,000 All Plans, NonTobacco
Preferred Preferred
Best NonTobacco NonTobacco Select NonTobacco Standard NonTobacco
percentage (as percentage (as percentage (as percentage (as
Policy Years % of premium) % of premium) % of premium) % of premium)
------------ --------------- -------------- ----------------- -------------------
1 + 53% 60% 69% 106%
Above $2,000,000 All Plans, Tobacco
Preferred Standard
Tobacco Tobacco
percentage (as percentage (as
Policy Years % of premium) % of premium)
------------ -------------- --------------
1 + 144% 197%
Up to $2,000,000 All Plans, NonTobacco
Preferred Preferred
Best NonTobacco NonTobacco Select NonTobacco Standard NonTobacco
percentage (as percentage (as percentage (as percentage (as
Policy Years % of premium) % of premium) % of premium) % of premium)
------------ --------------- -------------- ----------------- -------------------
1 + 41% 49% 56% 85%
Up to $2,000,000 All Plans, Tobacco
Preferred Standard
Tobacco Tobacco
percentage (as percentage (as
Policy Years % of premium) % of premium)
------------ -------------- --------------
1 + 144% 197%
Page 1 of 1
BMA Reinsurance
Exhibit III
Other Allowances
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 199906-008
================================================================================
Waiver of Premium
1st Year 100%
Renewal 15%
Temp Flat Extra
All Years 10%
Perm Flat Extra
lst Year 100%
Renewal 15%
Page 1 of 1
BMA Reinsurance
Schedule B
Plan, Benefits, & Rider Information
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001-01
================================================================================
Self - Administered Business:
The net amount at risk shall be provided by the CEDING COMPANY in the
self-administered format described in Article III.
Waiver of Monthly Deduction:
Reinsured based on the amount reinsured.
Accelerated Death Benefit Rider:
BMA will share proportionately in the Accelerated Benefit Option Rider.
Additional Life Riders:
Additional Life Riders will be reinsured with BMA on the rate basis as the base
plan, with rates appropriate to the age, sex, and underwriting rating of the
insured individual.
Page 1 of 1
BMA Reinsurance
Exhibit II
Reinsurance Premiums
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001-01
================================================================================
YRT rates marked Exhibit II applying the percentages in Exhibit IIB apply
to the single life policies.
COI rates marked Exhibit II.1 are converted to annual rates according to
the formula:
Annual qx = 1 - 1/(l+ monthly qx) /\ 12.
Where the monthly qx are per $1.
The annual COI's for each life are then Frasierized and the percentages of
0% first year, and 90% renewal years, are applied to joint policies.
There will be a minimum renewal premium of $.12 per $1,000.
Page 1 of 1
[LOGO] GE Financial Assurance
Financial Services Group
▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇
▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇
Memorandum
--------------------------------------------------------------------------------
DATE: March 5, 2002
TO: ▇▇▇▇▇▇▇ ▇▇▇▇▇▇▇▇
FROM: ▇▇▇ ▇▇▇▇▇
RE: BMA Agreement
--------------------------------------------------------------------------------
▇▇▇▇▇▇▇:
I agree with all of your comments and suggested additions. I also have the
following comment on this agreement:
Automatic Reinsurance Agreement
SECTION COMMENT
--------------------------------------------------------------------------------
VI 2. Interest on Add "undisputed" between remitting and payments in the
Delinquent Payments first sentence of this section.
--------------------------------------------------------------------------------
XII 6. I see significant exposure in some of the language in
this section. I suggest that the following language be
removed:
"However, the ceding company and BMA agree the
circumstances do not include any circumstance where BMA
did not give the ceding company written directions in
advance, designated as such, instructing the ceding
company to engage in the act, omission or course of
conduct which ultimately results in the assessment of such
damages. Consultations with the ceding company pursuant
to paragraph 2 of this Article shall not be considered
written directions as used herein."
This is far to restrictive and should be removed.
--------------------------------------------------------------------------------
Automatic Umbrella
I only have pages 19, 20 and Schedule C. Are 19 and 20 to be substituted in the
Reinsurance Agreement for the arbitration language in the agreement? If so
that's fine, I prefer our language.
Amendment 1 to Automatic Umbrella Reinsurance Agreement
No issues
GELAAC/BMA PROPOSED REINSURANCE AGREEMENT
This is an umbrella agreement. The schedules in the agreement are for our First
Colony/GECA term conversion program. The amendment covers reinsurance for our
Accumulator VUL plan.
SECTION COMMENT/CONCERN
--------------------------------------------------------------------------------
Article II, 2., Change the first sentence: Except for additional coverage
Liability pertaining to conditional receipt and temporary insurance
agreement as described in Schedule C...
--------------------------------------------------------------------------------
Article III, 1.F. Change 10 days to 20 days
& 1. G., Reporting
--------------------------------------------------------------------------------
Article VII, 1., May ask to change 20 day requirement to as soon as
Claims possible. Since claims are handled in Lynchburg I am
checking with them
--------------------------------------------------------------------------------
Article VII, 3., May ask to change 10 day requirement to as soon as
Claims possible. Since claims are handled in Lynchburg I am
checking with them
--------------------------------------------------------------------------------
Schedule A. in the Point-in-scale is misspelled.
umbrella agreement
--------------------------------------------------------------------------------
Schedule A. in the Change plan names to Accumulator
amendment
--------------------------------------------------------------------------------
Schedule C. in the Included TIA (temporary insurance agreement) with
amendment conditional receipt coverage
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
================================================================================
BMA
A Member of the Generali Group
AMENDMENT I
to the
AUTOMATIC UMBRELLA
REINSURANCE AGREEMENT
between
--------------------------------------------------------------------------------
G.E. LIFE & ANNUITY ASSURANCE COMPANY
Richmond, Virginia
hereinafter referred to as the CEDING COMPANY
--------------------------------------------------------------------------------
and
Business Men's Assurance Company of America
Kansas City, Missouri
hereinafter referred to as BMA
================================================================================
AMENDMENT I
to the Automatic Umbrella Agreement
dated June 26, 1999
between
G.E. LIFE & ANNUITY ASSURANCE COMPANY
Richmond, Virginia
(hereinafter called the CEDING COMPANY)
and
BUSINESS MEN'S ASSURANCE COMPANY OF AMERICA
Kansas City, Missouri
(hereinafter called the BMA)
IN WITNESS WHEREOF, this agreement shall be effective with policies dated
February 4, 2002, and is hereby executed in duplicate between the parties
addressed in this Amendment and duly signed by both parties' respective officers
as follows:
CEDING COMPANY
/s/ Illegible Sr VP Risk & Reinsurance
---------------------------
signature title
/s/ Illegible VP _ Actuary
---------------------------
signature title
3/22/2002
date
BMA
/s/ Illegible Senior Vice President/Reinsurance
-------------------------
signature title
Vice President
/s/ Illegible Reinsurance Actuary
-------------------------
signature title
May 10, 2002
date
ADDENDUM
to the Reinsurance Agreement
dated February 4, 2002
between
G. E. LIFE AND ANNUITY ASSURANCE COMPANY
Richmond, Virginia
(hereinafter called the CEDING COMPANY)
and
BUSINESS MEN'S ASSURANCE COMPANY OF AMERICA
Kansas City, Missouri
(hereinafter called the BMA)
Purpose: To add rates for single life amounts $5,000,000 and over.
l. For single life amounts $5,000,000 and over, the rates marked
Exhibit II shall apply. The percentages of premiums applicable
to these policies are shown in the attached revised Exhibit IIB.
The attached Schedule A shall replace the original Schedule A.
2. THE EFFECTIVE DATE shall be February 4, 2002.
Except as herein amended, the provisions of the said Reinsurance Agreement shall
remain unchanged.
IN WITNESS WHEREOF, this addendum is hereby executed in duplicate between the
parties concerned, and is duly signed by both parties respective officers as
follows:
BMA G.E. LIFE & ANNUITY ASSURANCE COMPANY
/s/ Illegible /s/ Illegible
--------------------------------- ---------------------------------
signature signature
SVP Sr VP Risk & Reinsurance
title title
/s/ Illegible /s/ Illegible
--------------------------------- ---------------------------------
signature signature
Illegible Illegible
title title
May 14, 2002 April 22, 2002
date date
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 -01
================================================================================
Type of Business:
Life insurance issued by the CEDING COMPANY
Type of Reporting:
Self-Administered
Basis of Reinsurance:
Automatic / Yearly Renewable Term
Plan Names:
Accumulator Single Life VUL
Accumulator Joint Life VUL
Alpha Split:
Surnames beginning with letter A through Z
Age Basis:
Age nearest birthday.
Quota Share in Excess of Retention:
20% of each case on amounts exceeding the Ceding Company's retention.
Maximum Automatic Mortality:
BMA will accept through Table 16 for ages 0-75
Table 8 for ages 76-85
Table 4 for ages 81-85, joint
Maximum Automatic Issue Age:
BMA will accept all issue ages automatically
Automatic Binding Limit:
Life: (19 ) nineteen times the retention of the CEDING COMPANY to the pool
For ages 76 through 85, (9) nine times the CEDING COMPANY's retention to the
pool
Jumbo Limits:
Life: 30,000,000 fro ages 0-75
5,000,000 for ages 76 through 85
Waiver: 5,000,000
Rate Capacity:
$5,000,000 for Joint cases
For single life policies, amounts over $5,000,000, use the same single life
rates with applicable percentages shown in Exhibit IIB
Recapture Years:
10 years
Page 1 of 2
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001-01
================================================================================
Premium Tax Reimbursement:
Premium taxes are not reimbursed.
Page 2 of 2
BMA Reinsurance
Exhibit IIB
Percentages of Premium
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001-01
================================================================================
Accumulator Single Life VUL
Policy Preferred Preferred Standard Preferred Standard
Years Non-Nicotine Non-Nicotine Non-Nicotine Nicotine Nicotine
------ ------------ ------------ ------------ --------- --------
1+ 50% 73% 94% 139% 213%
Accumulator Single Life VUL $5,000,000 +
Policy Preferred Preferred Standard Preferred Standard
Years Non-Nicotine Non-Nicotine Non-Nicotine Nicotine Nicotine
------ ------------ ------------ ------------ --------- --------
1+ 59% 81% 103% 173% 249%
Page 1 of 1
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
================================================================================
Type of Business:
Life insurance issued by the CEDING COMPANY
Type of Reporting:
Self-Administered
Basis of Reinsurance:
Automatic / Yearly Renewable Term
Plan Names:
Accumulator Single Life VUL
Accumulator Joint Life VUL
Alpha Split:
Surnames beginning with letter A through Z
Age Basis:
Age nearest birthday.
Quota Share in Excess of Retention:
20% of each case on amounts exceeding the Ceding Company's retention.
Maximum Automatic Mortality:
BMA will accept through Table 16 for ages 0-75
Table 8 for ages 76-85
Table 4 for ages 81-85, joint
Maximum Automatic Issue Age:
BMA will accept all issue ages automatically
Automatic Binding Limit:
Life: (19 ) nineteen times the retention of the CEDING COMPANY to the pool
For ages 76 through 85, (9) nine times the CEDING COMPANY's retention to the
pool
Jumbo Limits:
Life: 30,000,000 fro ages 0-75
5,000,000 for ages 76 through 85
Waiver: 5,000,000
Rate Capacity:
$5,000,000
Recapture Years:
10 years
Page 1 of 2
BMA Reinsurance
Schedule A
Treaty Specifications
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
================================================================================
Premium Tax Reimbursement:
Premium taxes are not reimbursed.
Page 2 of 2
BMA Reinsurance
Schedule B
Plan, Benefits, & Rider Information
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
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Self - Administered Business:
The net amount at risk shall be provided by the CEDING COMPANY in the
self-administered format described in Article III.
Waiver of Monthly Deduction:
Reinsured based on the amount reinsured.
Accelerated Death Benefit Rider:
BMA will share proportionately in the Accelerated Benefit Option Rider.
Additional Life Riders:
Additional Life Riders will be reinsured with BMA on the rate basis as the base
plan, with rates appropriate to the age, sex, and underwriting rating of the
insured individual.
Page 1 of 1
BMA Reinsurance
Schedule C
Additional Detailed Information
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
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Conditional Receipt/Temporary Insurance Agreement:
This agreement includes coverage for conditional receipt/temporary insurance
agreement liability for facultative cases sent to BMA. In no event shall BMA's
conditional receipt liability/temporary insurance agreement exceed $500,000 or
the automatic binding limit specified in Schedule A, whichever is less.
BMA's conditional receipt liability/temporary insurance agreement shall begin
simultaneously with the CEDING COMPANY's liability and shall cease upon:
A. BMA's declination of the risk, or
B. The first acceptance by the CEDING COMPANY of an unconditional offer by a
reinsurer other than BMA, or
C. The expiration of 120 days from the date BMA's facultative offer is
communicated to the CEDING COMPANY.
Joint Retention:
The younger of the joint ages will be used to determine retention and auto
binding.
One Uninsurable:
BMA will accept one uninsurable while requiring the other insured satify more
strict guidelines.
Page 1 of 1
Exhibit I
Retention Schedule
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
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EFFECTIVE WITH POLICIES DATED: June 01, 1999
Single & Joint Single Life Joint Life
Substandard Substandard Substandard
Issue Table Flat Extra Table Flat Extra Table Flat Extra
Ages Standard Std - Table 16 Std - Table 8 Std - Table 4
------- ---------- ---------------- ---------------- ----------------
0 - 75 $1,000,000 $1,000,000
76 - 85 $ 100,000 $100,000 $100,000
Table ratings are applicable for 20 years or to age 65 whichever is later.
Permanent Flat extras do not drop off.
Waiver of Premium, Waiver of Monthly Deduction retention is the salve as life.
Page 1 of 1
EXHIBIT IA
INITIAL SUBMISSION
Ge Capital Assurance GUIDELINES
Amounts Ages 0-17 Ages 18-59 Ages 60 & Up
---------- -------------- ---------------------- --------------
$0 Non-Med Para-Med, HOS Para-Med, EKG,
to & SMAC HOS & SMAC
$99,999
$100,000 Non-Med Para-Med; Para-Med, EKG,
to HOS & SMAC HOS & SMAC
$299,999
$300,000 Non-Med Para-Med; Para-Med, EKG,
to EKG @ 45 and up, HOS & SMAC
$500,000 HOS & SMAC
$500,001 Para-Med, Para-Med, Para-Med, EKG,
to HOS & APs EKG @ 45 and up, HOS & SMAC
$1,000,000 HOS & SMAC
$1,000,001 Para-Med, Para-Med, Para-Med, EKG,
to HOS & APS EKG @ 40 and up, HOS & SMAC
$2,000,000 HOS & SMAC
$2,000,001 Para-Med, HOS Para-Med, Para-Med,
to APS & DBS EKG @ 40 and up, EKG,
$3,000,000 HOS & SMAC HOS & SMAC
$3,000,001 Para-Med, HOS, Para-Med Para-Med,
to APS & DBS EKG @ 40 and up, HOS & SMAC,
$5,000,000 HOS & SMAC Treadmill
$5,000,001 Para-Med, HOS, M.D. Exam, EKG, M.D. Exam,
& APS & DBS Treadmill @ 40 and up, HOS & SMAC,
UP HOS & SMAC Treadmill
EKG - Electrocardiogram; HOS - Home Office Specimen; SMAC - Blood Profile; DBS -
Dried Blood Spot
NOTE: A current EKG is required on any Proposed Insured age 40 or older who is
diabetic has a history of, or current finding of, high blood pressure.
IMPORTANT REMINDERS
1. To begin the underwriting process, we will need a completed Application -
Part 1, an Expedite Medical Underwriting form and the requirements
described in the Initial Submission Guidelines.
2. An Inspection Report will be ordered by the company for amounts between
$500,000 and $1,000,000 and by the General Agency for amounts over
$1,000,000.
3. HOS(Home Office Specimen) and SMAC (Blood Profile) must be forwarded to our
designated providers (Clinical Reference Laboratories or ▇▇▇▇▇▇▇
Laboratories) unless the underwriter directs elsewhere for special tests.
4. A chest X-ray is not routinely required. However, it may be necessary due
to Proposed Insured's current or prior medical history.
5. Jumbo case requirements depend on the reinsurer; please check with your
General Agent.
6. Various states require special authorization forms for blood testing.
Please obtain and submit with the Application when required.
7. The requirements described in the Initial Submission Guidelines are subject
to individual consideration. The company may need additional requirements
as determined by the underwriter.
[LOGO] GE Capital Assurance
A GE financial Assurance Company
General Electric Capital Assurance Company, with operations in Lynchburg,
Virginia, is a GE Financial Assurance company committed to providing
high-quality, competitive insurance and annuities designed to help your clients
build, protect and transfer wealth.
The company is licensed and conducts business in every state (in New York
through its subsidiary, GE Capital Life Assurance Company of New York).
GE Capied Assurance is rated A+ by the A.M. Best Company, the second highest
rating awarded insurers that, in Best's opinion, have achieved superior overall
performance when compared to the norms of the life and health insurance
industry. This rating represents the opinion of the rating agency and is not a
warranty of the company's ability to meet financial obligations.
For Agent, Broker use only.
Not intended for use with consumers.
[GRAPHIC]
CRITERIA FOR
Preferred Best,
Preferred,
Select No
Nicotine Use,
Standard Plus &
Standard.
Effective June 1999
Underwritten by
GE Capital Assurance
Company
[LOGO] GE Financial Assurance
We bring good things to life
GE Capital Assurance Underwriting
Capital Assurance is committed to providing the _____titive underwriting and
quality service you need to _______ in a demanding marketplace. As a member of
the GE Financial Assurance family of companies, GE Capital Assurance is part of
an organisation that is among the leaders in both preferred and impaired risk
underwriting.
Today, underwriting is a key element of GE Capital Assurance's growth and
product pricing. Our success is due, in part, to making informed decisions about
underwriting risks. For our underwriters to do the best job for you on a
particular case, it is important that the proposed insured furnish complete
information on the application as well any additional requirements.
APS (Attending Physician's Statement)
Upon receipt of initial requirements, the underwriter will determine If an APS
is needed.
Exam
GE Capital Assurance does not maintain a list of approved medical examiners. An
examiner approved by the principal company of a broker may be used. With prior
approval of the underwriter, the company may allow the use of the applicant's
personal physician. These physicians will have to be supplied with the
appropriate GE Capital Assurance SMAC (Blood Profile) kit.
Para-Med
Where a Para-Med exact is indicated, it should be done by one of the following
companies
*APPS (American Para Professional Systems)
*EMSI (Examination Management Services Inc.)
HEALTHMASTERS
*IMR-PMI (Insurance Medical Reporter)
*PORTAMEDIC (▇▇▇▇▇▇ ▇▇▇▇▇▇)
World Wide Health Services
*TELE-MED (SM) Providers
These companies stock the necessary kits for the SMAC (Blood Profile) test.
________________________________________________________________________________
________________________________________________________________________________
________________________________________________________________________________
____________________________
UNDERWRITING CRITERIA
Preferred Best
Impairments
No diseases, disorders or activities that would affect mortality.
Blood Pressure
No current, or history of, blood pressure treatment or medication. No current,
or history of, blood pressure readings in excess of:
140/85 Age 60 or Younger
150/90 Age 61 or Older
Family History
No cardiovascular or cancer disease (except basal cell carcinoma) in either
parent or siblings on or before age 60.
Driving History
No DWI, DUI, reckless driving, license revocation or suspension in last 5 years.
Nicotine
No use of nicotine or nicotine substitutes in last 5 years.
Cholesterol
Cholesterol 240 maximum.
CHOL/HDL Ratio
Cholesterol/HDL Ratio cannot exceed 5.0.
Alcohol/Substance Abuse
No history of, or treatment for, alcohol or substance abuse.
Cancer History
Preferred Best not available if any cancer history (except basal cell
carcinoma).
Aviation
Flat extra (available in most cases) or exclusion rider.
Hazardous Occupation or Avocation
Coverage available; however, may require flat extra.
Preferred Best Build Chart
Male/Female, Height/Weight
5'0" 145 5'7" 176 6'2" 216 6'9" 254
5'1" 149 5'8" 182 6'3" 222 6'10" 290
5'2" 153 5'9" 188 6'4" 227 6'11" 265
5'3" 158 5'10" 193 6'5" 233
5'4" 162 5'11" 199 6'6" 238
5'5" 166 6'0" 205 6'7" 243
5'6" 170 6'1" 211 6'8" 249
Preferred
Impairments
No diseases, disorders or activities that would affect mortality.
Blood Pressure
Currently controlled and average reading in last 2 years (including treatment)
does not exceed:
140/90 Age 60 or Younger
150/90 Age 61 or Older
Family History
For either parent, no cardiovascular death on or before age 60.
Driving History
No DWI, DUL, reckless driving, license revocation or suspension in last 5 years.
Nicotine
No use of nicotine or nicotine substitutes in last 3 years for Preferred No
Nicotine Use.
Cholesterol
Cholesterol 270 maximum.
CHOL/HDL Ratio
Cholesterol/HDL Ratio cannot exceed 6.0.
Alcohol/Substance Abuse
No history of, or treatment for, alcohol or substance abuse in last 10 years.
Cancer History
Preferred not available if any cancer history (except basal cell carcinoma).
Aviation
Flat extra (available in most cases) or exclusion rider.
Hazardous Occupation or Avocation
Coverage available; however, may require flat extra.
Preferred Build Chart
Male/Female, Height/Weight
5'0" 154 5'7" 192 6'2" 234 6'9" 280
5'1" 158 5'8" 197 6'3" 243 6'10" 287
5'2" 164 5'9" 203 6'4" 246 6'11" 294
5'3" 169 5'10" 209 6'5" 253
5'4" 175 5'11" 215 6'6" 260
5'5" 180 6'0" 221 6'7" 266
5'6" 186 6'1" 227 6'8" 273
Select No Nicotine Use
Impairments
No diseases, disorders or activities that would affect mortality.
Blood Pressure
Currently controlled and average reading in last 2 years (including treatment)
does not exceed:
150/90 Age 60 or Younger
150/95 Age 61 or Older
Family History
Not more than one cardiovascular death in parents on or before age 60.
Driving History
No DWI, DUL, reckless driving, license revocation or suspension in last 3 years.
Nicotine
No use of nicotine or nicotine substitutes in last 2 years.
Cholesterol
Cholesterol 285 maximum.
CHOL/HDL Ratio
Cholesterol/HDL ratio cannot exceed 7.0.
Alcohol/Substance Abuse
No history of, or treatment for, alcohol or substance abuse in last 7 years.
Cancer History
Select No Nicotine Use not available if any cancer history, (except basal cell
carcinoma).
Aviation
Flat extra (available in most cases) or exclusion rider.
Hazardous Occupation or Avocation
Coverage available; however, may require flat extra.
Select No Nicotine Use Build Chart
Male/Female, Height/Weight
5'0" 164 5'7" 202 6'2" 245 6'9" 294
5'1" 169 5'8" 207 6'3" 252 6'10" 301
5'2" 174 5'9" 213 6'4" 259 6'11" 309
5'3" 179 5'10" 220 6'5" 266
5'4" 185 5'11" 226 6'6" 273
5'5" 190 6'0" 232 6'7" 280
5'6" 196 6'1" 239 6'8" 287
Standard Plus
Impairments
No diseases, disorders or activities that would affect mortality.
Blood Pressure
Currently controlled and average reading in last 2 years (including teamtement)
does not exceed:
155/95 Age 60 or Younger
160/95 Age 61 or Older
Family History
Not more than one cardiovascular death in parents on or before age 60.
Driving History
No DWI, DUL, reckless driving, license revocation or suspension in last 2 years.
Nicotine
No use of nicotine or nicotine substitutes in last 12 months for Standard Plus
No Nicotine Use.
Cholesterol
Cholesterol 300 maximum.
CHOL/HDL Ratio
Cholesterol/HDL ratio cannot exceed 8.0.
Alcohol/Substance Abuse
No history of, or treatment for, alcohol or substance abuse in last 7 years.
Cancer History
Coverage may be available based on specific cancer history.
Aviation
Flat extra (available in most cases) or exclusion rider.
Hazardous Occupation or Avocation
Coverage available; however, may require flat extra.
Standard Plus Build Chart
Male/Female, Height/Weight
5'0" 174 5'7" 217 6'2" 265 6'9" 317
5'1" 180 5'6" 224 6'3" 272 6'10" 325
5'2" 186 5'9" 230 6'4" 279 6'11" 333
5'3" 192 5'10" 237 6'5" 287
5'4" 198 5'11" 244 6'6" 294
5'5" 204 6'0" 251 6'7" 302
5'6" 211 6'1" 258 6'8" 310
Standard
Proposed insureds not qualifying for Standard Plus, but not requiring a table
rating, will be considered for Standard classification.
BMA Reinsurance
Exhibit II
Reinsurance Premiums
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
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YRT rates marked Exhibit II applying the percentages in Exhibit IIB
apply to the single life policies.
COI rates marked Exhibit II.1 are converted to annual rates according
to the formula:
Annual qx + 1 - (1/(l+ monthly qx) /\ 12.
Where the monthly qx are per $1.
The annual COI's for each life are then Frasierized and the
percentages of 0% first year, and 90% renewal years, are applied to
joint policies.
There will be a minimum renewal premium of $.12 per $1,000.
Page 1 of 1
EXHIBIT II
Duration
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 0.583 0.335 0.228 0.209 0.153 0.135 0.120 0.125 0.120 0.118 0.111 0.132 0.155 0.187 0.201 0.302
1 0.218 0.207 0.200 0.146 0.125 0.123 0.120 0.125 0.116 0.107 0.125 0.150 0.181 0.205 0.298 0.446
2 0.188 0.188 0.154 0.128 0.125 0.123 0.117 0.111 0.102 0.120 0.152 0.177 0.207 0.292 0.443 0.520
3 0.158 0.149 0.131 0.128 0.125 0.123 0.113 0.107 0.124 0.144 0.166 0.210 0.291 0.436 0.523 0.586
4 0.144 0.133 0.131 0.128 0.122 0.116 0.106 0.126 0.143 0.167 0.198 0.294 0.431 0.525 0.579 0.612
5 0.139 0.133 0.131 0.128 0.118 0.106 0.128 0.139 0.170 0.193 0.297 0.435 0.530 0.585 0.615 0.650
6 0.129 0.125 0.123 0.122 0.111 0.130 0.142 0.170 0.197 0.293 0.439 0.536 0.591 0.622 0.653 0.645
7 0.120 0.118 0.115 0.116 0.133 0.137 0.177 0.201 0.291 0.444 0.541 0.591 0.624 0.660 0.644 0.642
8 0.123 0.118 0.115 0.126 0.140 0.181 0.206 0.293 0.453 0.547 0.597 0.624 0.663 0.651 0.642 0.642
9 0.120 0.118 0.131 0.136 0.177 0.210 0.291 0.457 0.552 0.603 0.630 0.655 0.654 0.641 0.642 0.644
10 0.120 0.125 0.138 0.173 0.214 0.288 0.468 0.550 0.615 0.630 0.662 0.650 0.640 0.641 0.650 0.669
11 0.120 0.133 0.169 0.211 0.290 0.476 0.567 0.827 0.642 0.662 0.656 0.640 0.640 0.636 0.662 0.700
12 0.136 0.165 0.216 0.287 0.466 0.579 0.640 0.655 0.675 0.656 0.639 0.639 0.635 0.661 0.693 0.759
13 0.160 0.212 0.285 0.495 0.584 0.653 0.668 0.681 0.662 0.638 0.639 0.634 0.661 0.684 0.751 0.817
14 0.208 0.281 0.506 0.589 0.667 0.675 0.666 0.668 0.643 0.638 0.633 0.660 0.683 0.750 0.813 0.853
15 0.278 0.516 0.593 0.673 0.689 0.694 0.668 0.649 0.643 0.632 0.659 0.682 0.741 0.794 0.849 0.887
16 0.528 0.605 0.679 0.695 0.708 0.680 0.654 0.649 0.638 0.658 0.674 0.740 0.769 0.830 0.882 0.866
17 0.609 0.693 0.693 0.714 0.688 0.660 0.654 0.643 0.664 0.664 0.731 0.790 0.818 0.857 0.859 0.849
18 0.699 0.691 0.696 0.692 0.665 0.659 0.640 0.661 0.662 0.721 0.773 0.772 0.783 0.807 0.832 0.828
19 0.681 0.685 0.658 0.671 0.664 0.829 0.618 0.658 0.718 0.744 0.752 0.752 0.741 0.765 0.788 0.799
20 0.664 0.610 0.634 0.644 0.642 0.805 0.604 0.653 0.713 0.722 0.717 0.717 0.717 0.719 0.746 0.753
21 0.595 0.569 0.589 0.605 0.609 0.609 0.602 0.640 0.673 0.681 0.686 0.687 0.699 0.706 0.731 0.737
22 0.553 0.529 0.542 0.673 0.597 0.602 0.596 0.638 0.661 0.657 0.665 0.678 0.669 0.701 0.710 0.740
23 0.601 0.486 0.517 0.559 0.602 0.505 0.610 0.615 0.624 0.643 0.633 0.657 0.672 0.687 0.698 0.763
24 0.444 0.456 0.500 0.557 0.604 0.614 0.614 0.614 0.619 0.618 0.635 0.640 0.684 0.685 0.710 0.759
25 0.396 0.430 0.491 0.550 0.581 0.590 0.608 0.616 0.619 0.625 0.643 0.682 0.677 0.684 0.725 0.778
26 0.352 0.410 0.476 0.520 0.549 0.572 0.598 0.618 0.625 0.626 0.646 0.658 0.670 0.703 0.744 0.810
27 0.309 0.385 0.445 0.461 0.605 0.542 0.593 0.628 0.625 0.638 0.641 0.669 0.698 0.726 0.784 0.669
28 0.327 0.396 0.453 0.487 0.511 0.553 0.607 0.628 0.640 0.635 0.674 0.696 0.715 0.775 0.843 0.919
29 0.333 0.401 0.454 0.489 0.521 0.570 0.616 0.638 0.638 0.667 0.694 0.719 0.774 0.841 0.003 1.038
30 0.334 0.399 0.451 0.506 0.536 0.581 0.618 0.651 0.678 0.694 0.722 0.772 0.840 0.902 1.005 1.137
31 0.329 0.395 0.453 0.506 0.546 0.587 0.613 0.657 0.699 0.726 0.773 0.839 0.905 1.007 1.121 1.298
32 0.322 0.393 0.459 0.514 0.552 0.586 0.615 0.666 0.724 0.778 0.842 0.903 1.004 1.119 1.284 1.434
33 0.328 0.417 0.492 0.649 0.681 0.623 0.655 0.702 0.796 0.828 0.902 1.003 1.112 1.269 1.419 1.579
34 0.336 0.437 0.622 0.676 0.615 0.662 0.700 0.765 0.826 0.906 0.998 1.115 1.258 1.397 1.552 1.729
35 0.342 0.453 0.545 0.608 0.650 0.704 0.761 0.834 0.919 1.006 1.121 1.253 1.393 1.527 1.705 1.893
36 0.344 0.463 0.572 0.642 0.682 0.750 0.792 0.915 0.990 1.107 1.239 1.407 1.526 1.676 1.857 2.090
37 0.343 0.477 0.601 0.679 0.749 0.797 0.911 0.986 1.103 1.244 1.405 1.524 1.681 1.662 2.071 2.343
38 0.356 0.499 0.621 0.711 0.786 0.909 0.993 1.110 1.254 1.420 1.539 1.678 1.860 2.076 2.337 2.696
39 0.371 0.524 0.658 0.759 0.862 0.969 1.102 1.250 1.428 1.537 1.675 1.857 2.082 2.354 2.698 3.126
40 0.388 0.683 0.711 0.845 0.942 1.043 1.203 1.387 1.559 1.692 1.854 2.097 2.340 2.693 3.119 3.626
41 0.416 0.616 0.803 0.937 1.037 1.175 1.296 1.496 1.713 1.851 2.070 2.355 2.662 3.091 3.659 4.219
42 0.453 0.708 0.900 1.047 1.171 1.249 1.390 1.626 1.869 2.043 2.340 2.641 3.055 3.661 4.258 4.751
43 0.538 0.768 0.969 1.162 1.266 1.385 1.548 1.779 2.049 2.312 2.613 3.018 3.660 4.255 4.795 5.265
44 0.621 0.838 1.072 1.275 1.380 1.548 1.714 1.963 2.260 2.553 3.018 3.647 4.115 4.740 5.305 5.761
45 0.717 0.944 1.172 1.388 1.518 1.720 1.915 2.179 2.408 2.817 3.391 4.005 4.695 5.295 5.790 6.285
46 0.656 1.048 1.269 1.524 1.751 1.926 2.151 2.350 2.650 3.132 3.819 4.491 5.149 5.705 6.296 6.763
47 1.002 1.153 1.389 1.665 1.949 2.174 2.353 2.587 2.955 3.499 4.273 5.058 5.623 6.236 6.715 7.179
48 1.031 1.245 1.506 1.820 2.155 2.371 2.950 2.030 3.381 3.957 4.839 5.570 6.105 6.576 7.103 7.630
49 1.070 1.339 1.649 1.999 2.320 2.620 2.950 3.345 3.844 4.605 5.334 6.110 6.469 6.961 7.550 8.148
50 1.104 1.452 1.811 2.131 2.529 2.946 3.364 3.794 4.401 5.050 6.844 6.340 6.879 7.420 8.055 8.650
51 1.146 1.577 1.923 2.305 2.808 3.353 3.812 4.335 4.961 5.502 6.302 6.780 7.383 8.004 8.439 9.402
52 1.182 1.644 2.072 2.527 3.150 3.788 4.354 4.878 5.409 5.935 6.754 7.261 8.023 8.299 9.188 10.231
53 1.212 1.753 2.279 2.832 3.482 4.206 4.782 5.241 6.863 6.399 7.149 7.975 8.336 9.250 9.894 10.971
Duration
Age 17 18 19 20 21 22 23 24 25 Ult.
--- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.485 0.550 0.612 0.637 0.644 0.639 0.643 0.644 0.640 0.658
1 0.521 0.618 0.644 0.650 0.645 0.650 0.651 0.646 0.665 0.688
2 0.587 0.650 0.657 0.652 0.657 0.657 0.653 0.671 0.695 0.738
3 0.607 0.664 0.658 0.663 0.664 0.659 0.678 0.702 0.746 0.790
4 0.647 0.665 0.670 0.671 0.686 0.685 0.709 0.763 0.798 0.817
5 0.645 0.677 0.677 0.673 0.692 0.717 0.761 0.806 0.825 0.831
6 0.642 0.643 0.679 0.699 0.724 0.769 0.815 0.833 0.839 0.831
7 0.643 0.638 0.706 0.731 0.776 0.823 0.842 0.848 0.839 0.825
8 0.645 0.685 0.724 0.784 0.831 0.850 0.857 0.848 0.833 0.834
9 0.677 0.716 0.784 0.831 0.859 0.865 0.856 0.842 0.843 0.853
10 0.708 0.778 0.831 0.859 0.865 0.865 0.850 0.851 0.862 0.883
11 0.768 0.831 0.859 0.865 0.865 0.859 0.860 0.870 0.871 0.868
12 0.822 0.859 0.869 0.869 0.850 0.868 0.879 0.880 0.875 0.858
13 0.858 0.874 0.874 0.850 0.868 0.888 0.889 0.884 0.867 0.851
14 0.878 0.870 0.850 0.869 0.879 0.880 0.893 0.876 0.859 0.837
15 0.875 0.850 0.859 0.870 0.862 0.888 0.885 0.860 0.848 0.837
16 0.849 0.850 0.860 0.843 0.874 0.876 0.877 0.864 0.848 0.852
17 0.840 0.850 0.824 0.855 0.878 0.877 0.863 0.854 0.661 0.893
18 0.831 0.813 0.836 0.857 0.877 0.854 0.863 0.869 0.902 0.955
19 0.793 0.807 0.820 0.849 0.854 0.837 0.878 0.911 0.964 1.043
20 0.777 0.791 0.821 0.836 0.837 0.869 0.884 0.974 1.054 1.143
21 0.761 0.802 0.817 0.838 0.860 0.883 0.964 1.064 1.154 1.276
22 0.773 0.798 0.836 0.851 0.873 0.054 1.043 1.166 1.288 1.425
23 0.779 0.817 0.841 0.873 0.944 1.042 1.154 1.301 1.439 1.604
24 0.796 0.831 0.872 0.933 1.042 1.142 1.301 1.439 1.620 1.777
25 0.821 0.871 0.932 1.041 1.142 1.301 1.439 1.604 1.795 1.945
26 0.670 0.931 1.041 1.141 1.301 1.439 1.587 1.795 1.965 2.124
27 0.930 1.040 1.140 1.301 1.439 1.587 1.786 1.965 2.145 2.354
28 1.039 1.139 1.300 1.438 1.588 1.776 1.955 2.145 2.378 2.621
29 1.138 1.299 1.437 1.585 1.775 1.944 2.123 2.354 2.648 2.976
30 1.299 1.436 1.583 1.775 1.943 2.101 2.354 2.648 3.008 3.363
31 1.435 1.582 1.773 1.942 2.009 2.353 2.647 3.006 3.397 3.850
32 1.580 1.753 1.941 2.098 2.352 2.647 3.036 3.414 3.889 4.360
33 1.732 1.919 2.097 2.351 2.646 3.036 3.431 3.925 4.424 4.934
34 1.895 2.095 2.349 2.659 3.051 3.466 3.960 4.451 4.934 5.555
35 2.093 2.347 2.672 3.066 3.491 3.996 4.483 4.984 5.555 6.159
36 2.345 2.670 3.081 3.619 4.033 4.519 5.019 5.554 6.159 6.721
37 2.683 3.096 3.543 4.069 4.560 5.050 5.524 6.190 6.653 4.420
38 3.111 3.572 4.106 4.601 5.085 5.551 6.157 6.652 7.195 8.118
39 3.608 4.144 4.638 5.110 5.590 6.155 6.685 7.192 7.708 8.878
40 4.181 4.676 5.146 5.635 6.185 6.717 7.188 7.704 8.430 9.779
41 4.713 5.182 6.662 6.215 6.750 7.183 7.696 8.424 9.384 10.629
42 5.223 5.701 6.212 6.782 7.178 7.691 8.326 9.279 9.985 11.403
43 5.726 6.208 6.779 7.172 7.683 8.272 9.171 9.869 10.827 12.403
44 6 237 8.774 7.165 7.775 8.215 8.958 9.750 10.588 11.777 13.672
45 6.769 7.157 7.665 8.204 8.740 9.737 10.460 11.642 12.981 15.300
46 7.148 7.654 8.192 8.721 9.500 10.328 11.632 12.973 14.218 16.985
47 7.643 8.130 8.551 9.371 10.312 11.621 12.083 13.737 15.441 18.667
48 8.164 8.584 9.237 10.295 11.607 13.094 13.561 15.250 16.970 20.450
49 8.617 9.273 10.277 11.593 12.939 13.538 15.054 16.951 18.384 22.464
50 9.308 10.257 11.444 12.779 13.514 14.853 16.929 18.361 20.195 24.773
51 10.230 11.291 12.615 13.488 14.824 16.712 18.231 20.170 22.021 27.268
52 11.133 12.446 13.460 14.794 18.488 18.095 19.910 21.737 24.238 29.848
53 12.272 13.430 14.761 16.456 18.063 19.644 21.446 23.926 26.951 32.674
54 1.263 1.900 2.547 3.163 3.888 4.596 5.049 5.622 6.311 7.005 7.919 8.324 9.279
55 1.340 2.096 2.827 3.556 4.271 4.816 5.373 5.983 6.900 7.839 8.331 9.207 9.899
56 1.457 2.294 3.188 3.943 4.484 5.092 5.603 6.473 7.719 8.352 9.106 9.826 9.992
57 1.568 2.568 3.532 4.164 4.764 5.264 6.039 7.181 8.383 8.963 9.672 9.814 11.451
58 1.933 2.961 3.782 4.537 5.056 5.789 6.636 7.686 8.944 9.568 9.630 11.278 12.473
59 2.316 3.198 4.132 4.825 5.652 6.393 7.265 8.290 9.119 9.540 11.262 12.081 13.657
60 2.627 3.652 4.392 6.422 6.181 7.048 7.867 8.607 9.042 10.050 11.790 13.221 15.010
61 2.915 3.818 4.965 5.954 6.912 7.666 8.322 8.667 9.635 10.466 12.260 14.740 16.900
62 3.200 4.409 5.470 6.693 7.577 8.166 8.486 9.610 10.422 11.925 14.463 16.609 18.314
63 3.459 4.681 6.031 7.261 8.023 8.513 9.744 10.451 11.688 13.750 16.544 17.992 19.643
64 3.675 5.131 6.601 7.633 8.153 9.611 10.476 11.603 13.592 16.241 17.662 19.282 22.230
65 3.903 5.475 6.839 7.656 9.044 10.574 11.424 13.422 16.092 17.323 18.913 21.839 24.415
66 4.088 5.751 6.802 8.188 9.761 11.233 13.240 15.930 17.149 18.533 21.128 23.986 26.541
67 4.270 6.688 7.098 8.636 10.721 13.228 15.910 16.961 18.795 20.714 23.205 25.692 29.961
68 4.528 6.033 7.604 9.429 11.640 14.004 16.668 19.056 20.175 22.405 24.823 30.059 34.812
69 4.954 6.680 8.340 10.233 12.378 14.848 17.489 19.925 22.612 23.934 30.179 34.262 41.349
70 5.408 7.176 9.076 11.070 13.305 15.784 18.268 20.731 23.719 26.698 32.893 38.784 47.668
71 6.016 7.890 9.909 12.005 14.352 16.723 18.985 21.578 24.730 28.213 35.868 45.865 55.131
72 6.695 8.752 10.849 14.484 16.666 17.654 21.393 23.898 25.804 29.777 38.935 54.825 60.811
73 7.058 10.637 14.454 16.297 17.541 21.006 23.497 25.383 29.508 35.100 50.807 68.158 65.612
74 7.749 11.733 15.905 17.510 20.174 23.072 24.924 29.053 35.816 48.876 55.445 63.328 69.236
75 8.546 12.912 17.468 19.728 22.158 24.435 28.568 36.547 48.003 63.339 61.093 67.630 75.421
76 9.405 14.180 19.253 21.668 24.425 28.051 36.695 46.439 51.706 58.806 65.208 73.699 81.077
77 10.331 15.631 21.150 23.885 27.501 35.634 44.141 49.984 57.043 53.514 71.934 81.006 88.372
78 11.390 17.171 23.314 26.917 35.740 42.392 47.462 54.427 62.410 70.126 80.026 87.832 98.073
79 12.508 18.925 25.714 32.714 39.200 45.539 52.452 60.418 68.970 78.110 86.791 96.022 99.553
80 13.789 20.874 28.234 36.876 42.776 50.374 68.318 67.739 76.923 85.719 95.960 99.466 107.683
81 16.205 22.924 30.963 39.149 47.387 56.108 66.428 75.656 85.481 94.845 99.366 107.601 116.458
82 16.697 25.140 33.792 45.656 64.651 65.036 73.340 83.675 94.653 99.255 108.688 116.383 126.698
83 18.314 31.070 40.397 52.581 62.624 71.883 82.796 94.415 99.004 108.593 116.294 127.207 136.487
84 24.268 37.796 47.525 60.176 70.335 81.317 93.019 98.702 108.374 118.192 127.140 137.866 147.902
85 31.095 45.103 55.400 68.469 79.744 90.398 99.532 110.585 118.563 127.058 139.258 149.356 164.683
86 38.623 53.205 64.061 77.491 88.784 98.145 111.574 119.653 128.257 139.932 150.825 166.347 177.860
87 47.045 62.153 73.539 87.258 98.701 111.264 120.739 130.163 142.041 152.302 168.027 179.657 192.532
88 56.405 71.973 83.858 98.014 110.894 123.203 132.093 144.939 155.369 169.724 181.471 194.477 208.893
89 66.754 82.698 95.262 109.852 122.892 133.308 147.897 158.497 173.188 183.304 198.441 211.003 227.694
90 78.122 94.672 107.858 122.858 136.029 150.121 161.689 176.723 187.045 198.425 213.134 229.994 247.329
91 90.764 107.709 121.738 137.150 152.376 164.939 180.329 190.863 202.475 215.287 232.317 251.848 274.259
92 104.789 122.214 137.040 153.201 168.164 184.009 194.758 206.607 219.681 234.663 254.391 277.029 303.059
93 120.323 138.223 154.241 171.258 187.765 198.732 210.823 224.164 239.452 256.961 279.827 306.120 336.395
94 137.625 156.240 173.632 191.597 202.788 215.126 226.739 244.330 262.205 282.654 309.212 339.793 376.760
95 156.912 176.557 195.607 206.927 219.516 233.407 249.326 267.556 288.422 312.335 343.225 380.566 425.739
96 178.808 199.497 211.160 223.996 238.170 254.414 273.017 294.308 318.709 346.692 384.410 430.040 485.345
97 203.568 215.469 228.568 243.031 259.606 278.588 300.316 325.214 353.768 388.293 434.384 490.248 558.141
98 219.856 233.232 247.991 264.904 284.274 306.444 331.851 360.987 396.217 438.771 495.200 563.779 647.181
99 237.992 253.052 270.310 290.075 312.698 338.623 368.355 404.303 447.726 500.202 569.474 653.718 0.000
54 9.894 10.606 12.094 12.399 14.726 16.422 18.028 19.606 21.405 23.608 27.223 30.364 35.888
55 10.167 11.822 13.365 14.689 16.386 17.772 19.565 21.361 23.560 27.192 30.337 32.988 39.560
56 11.639 13.062 14.743 16.347 17.730 19.522 21.182 23.512 27.158 30.307 32.955 36.363 43.633
57 12.687 14.601 16.099 17.685 19.476 21.130 23.460 27.121 30.273 32.918 36.326 40.988 47.434
58 14.084 15.732 17.637 19.181 21.075 23.404 26.755 30.235 32.877 36.693 41.180 46.476 52.020
59 15.272 17.235 18.878 21.017 23.345 26.718 29.846 32.831 36.652 41.371 46.703 52.020 56.769
60 17.183 18.687 20.818 23.282 26.345 29.447 32.782 36.606 41.562 46.931 52.546 56.769 61.815
61 18.379 20.608 23.216 25.962 29.390 32.728 36.556 41.752 47.158 53.076 57.285 61.815 66.765
62 19.994 22.981 25.732 29.329 32.670 36.501 41.942 47.385 53.342 57.805 62.377 67.372 71.939
63 22.611 25.569 28.903 32.607 36.441 42.132 47.612 53.607 58.330 62.943 68.052 72.593 77.334
64 24.833 28.542 32.539 36.376 42.321 47.838 53.872 58.859 63.515 68.671 73.326 78.037 82.939
65 27.370 32.143 36.525 42.509 48.064 54.137 59.394 64.091 69.295 73.992 78.825 83.693 88.743
66 31.265 36.306 42.698 48.290 54.402 59.933 64.673 69.925 74.665 79.621 84.539 80.460 94.956
67 35.347 42.456 48.516 54.667 60.477 65.260 70.560 75.343 80.345 85.307 90.364 95.820 101.607
68 41.911 48.741 54.932 61.025 65.852 71.201 76.028 81.075 86.169 91.185 96.691 102.633 108.717
69 48.163 55.196 61.579 66.450 71.848 76.719 81.812 86.952 92.106 97.667 103.566 109.815 116.327
70 55.167 62.137 67.052 72.501 77.416 82.555 87.830 92.943 98.555 104.612 110.814 117.502 124.761
71 61.484 67.661 73.159 78.119 83.306 88.628 93.882 90.550 105.563 111.821 118.452 126.021 134.120
72 66.949 73.824 78.829 84.062 89.434 94.831 100.455 106.629 112.950 119.528 127.039 135.475 144.513
73 70.803 78.741 83.800 88.975 95.211 100.859 106.843 112.033 120.372 127.294 133.311 145.973 156.076
74 77.102 82.919 88.957 95.687 100.848 108.832 112.010 121.344 128.580 134.541 147.447 157.653 168.951
75 82.012 88.929 96.163 100.828 106.810 113.142 121.704 129.879 135.777 148.937 159.245 170.657 183.308
76 88.892 96.144 100.796 106.777 113.106 122.934 129.865 137.024 150.441 160.854 172.381 185.159 199.806
77 96.114 100.754 106.732 114.249 123.545 131.177 138.283 151.961 162.478 174.122 187.030 201.824 218.791
78 100.700 106.675 114.201 123.520 131.150 139.558 153.496 164.119 175.881 188.919 203.863 221.002 240.668
79 107.753 115.354 124.767 132.475 140.840 155.046 165.777 177.658 190.827 205.922 223.234 243.099 265.940
80 115.293 125.378 133.813 142.230 156.612 167.452 179.452 192.755 208.002 225.489 245.554 288.627 295.194
81 125.988 135.165 143.629 158.194 169.143 181.265 194.702 210.103 227.766 248.035 271.340 298.176 330.615
82 135.826 145.041 159.792 170.852 183.096 196.668 212.225 230.067 250.540 274.081 301.188 333.955 373.595
83 146.462 161.406 172.578 184.945 198.655 214.369 232.391 253.071 276.849 304.230 337.328 377.369 425.901
84 163.037 174.321 186.813 200.662 216.534 234.738 255.627 279.646 307.303 340.735 381.181 430.203 489.781
85 176.082 188.700 202.688 218.722 237.109 258.209 282.470 310.407 344.177 385.031 434.648 494.728 567.915
86 190.607 204.736 220.931 239.505 260.817 285.324 313.542 347.654 388.920 438.938 499.725 573.652 0.000
87 206.804 223.162 241.924 263.452 288.206 316.709 351.165 392.849 443.371 504.773 579.446 0.000 0.000
88 225.417 244.367 266.113 291.117 319.909 354.712 398.817 447.850 509.872 585.299 0.000 0.000 0.000
89 246.836 268.801 294.057 323.140 358.295 400.825 452.374 515.022 591.211 0.000 0.000 0.000 0.000
90 271.516 297.028 326.404 361.914 404.874 456.943 520.224 597.183 0.000 0.000 0.000 0.000 0.000
91 300.028 329.701 365.570 408.984 461.559 525.479 603.215 0.000 0.000 0.000 0.000 0.000 0.000
92 333.031 369.263 413.095 466.221 530.787 609.306 0.000 0.000 0.000 0.000 0.000 0.000 0.000
93 372.983 417.267 470.930 536.148 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
94 421.482 476.687 541.664 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 480.492 547.034 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 552.560 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
GE98FULM - Female
Duration
Age 1 2 3 4 5 6 7 8 9 10 11 12 13
--- -------- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 0.528 0.329 0.192 0.113 0.089 0.094 0.099 0.097 0.085 0.100 0.088 0.105 0.129
1 0.176 0.118 0.092 0.083 0.081 0.080 0.099 0.097 0.102 0.100 0.092 0.124 0.136
2 0.120 0.090 0.077 0.075 0.081 0.101 0.099 0.101 0.102 0.093 0.125 0.131 0.129
3 0.064 0.063 0.069 0.063 0.103 0.101 0.106 0.104 0.095 0.120 0.125 0.124 0.136
4 0.064 0.071 0.077 0.096 0.103 0.108 0.099 0.097 0.116 0.120 0.125 0.131 0.194
5 0.072 0.078 0.092 0.090 0.096 0.094 0.092 0.111 0.123 0.120 0.132 0.190 0.227
6 0.080 0.086 0.077 0.063 0.089 0.087 0.106 0.125 0.123 0.133 0.192 0.229 0.252
7 0.080 0.078 0.077 0.090 0.089 0.101 0.120 0.125 0.136 0.183 0.231 0.248 0.265
8 0.080 0.078 0.085 0.090 0.096 0.123 0.120 0.132 0.197 0.233 0.251 0.255 0.265
9 0.080 0.066 0.092 0.098 0.125 0.123 0.135 0.194 0.238 0.253 0.251 0.266 0.291
10 0.088 0.094 0.100 0.128 0.125 0.137 0.198 0.236 0.252 0.253 0.271 0.288 0.285
11 0.096 0.102 0.131 0.128 0.133 0.202 0.241 0.257 0.259 0.273 0.284 0.288 0.311
12 0.096 0.133 0.123 0.138 0.207 0.246 0.262 0.264 0.279 0.287 0.284 0.307 0.304
13 0.112 0.125 0.131 0.211 0.251 0.260 0.262 0.265 0.286 0.287 0.304 0.301 0.311
14 0.128 0.133 0.207 0.256 0.268 0.260 0.291 0.292 0.288 0.300 0.304 0.307 0.324
15 0.133 0.215 0.258 0.269 0.266 0.297 0.299 0.287 0.288 0.290 0.302 0.329 0.363
18 0.215 0.261 0.271 0.270 0.295 0.289 0.285 0.290 0.289 0.298 0.324 0.350 0.385
17 0.264 0.267 0.269 0.290 0.286 0.262 0.291 0.292 0.299 0.320 0.341 0.354 0.329
18 0.268 0.267 0.282 0.283 0.263 0.264 0.275 0.293 0.319 0.338 0.347 0.328 0.323
19 0.265 0.280 0.287 0.263 0.248 0.251 0.273 0.307 0.337 0.341 0.327 0.314 0.333
20 0.255 0.274 0.259 0.246 0.238 0.250 0.282 0.318 0.344 0.327 0.315 0.318 0.344
21 0.233 0.237 0.234 0.234 0.239 0.260 0.286 0.318 0.323 0.313 0.320 0.332 0.355
22 0.164 0.204 0.215 0.233 0.251 0.283 0.302 0.292 0.306 0.323 0.335 0.355 0.366
23 0.164 0.188 0.214 0.251 0.278 0.293 0.291 0.294 0.314 0.334 0.353 0.365 0.383
24 0.149 0.180 0.223 0.267 0.297 0.294 0.292 0.308 0.331 0.354 0.367 0.383 0.404
25 0.139 0.179 0.230 0.275 0.291 0.290 0.308 0.330 0.350 0.368 0.388 0.403 0.430
26 0.135 0.176 0.228 0.259 0.290 0.313 0.334 0.355 0.372 0.385 0.403 0.424 0.460
27 0.128 0.165 0.207 0.248 0.299 0.338 0.362 0.377 0.389 0.400 0.427 0.482 0.487
28 0.141 0.165 0.204 0.248 0.304 0.347 0.371 0.395 0.406 0.431 0.462 0.487 0.526
29 0.141 0.167 0.209 0.258 0.310 0.351 0.364 0.411 0.435 0.468 0.492 0.530 0.575
30 0.144 0.175 0.220 0.264 0.312 0.359 0.395 0.435 0.468 0.496 0.535 0.579 0.641
31 0.151 0.189 0.232 0.289 0.317 0.364 0.413 0.462 0.497 0.540 0.578 0.646 0.715
32 0.164 0.204 0.241 0.276 0.320 0.375 0.433 0.485 0.538 0.577 0.653 0.718 0.793
33 0.169 0.213 0.259 0.300 0.351 0.406 0.454 0.516 0.586 0.658 0.718 0.797 0.879
34 0.173 0.225 0.278 0.330 0.387 0.434 0.487 0.562 0.645 0.719 0.800 0.880 0.979
35 0.178 0.235 0.298 0.384 0.419 0.472 0.535 0.621 0.712 0.786 0.875 0.977 1.084
36 0.182 0.251 0.324 0.395 0.463 0.527 0.595 0.687 0.785 0.863 0.967 1.079 1.200
37 0.189 0.268 0.347 0.437 0.524 0.595 0.663 0.759 0.869 0.957 1.063 1.190 1.325
38 0.197 0.279 0.369 0.477 0.577 0.657 0.728 0.830 0.955 1.058 1.189 1.322 1.459
39 0.201 0.297 0.404 0.527 0.637 0.724 0.803 0.917 1.043 1.168 1.328 1.460 1.613
40 0.210 0.325 0.448 0.584 0.703 0.802 0.895 1.007 1.138 1.287 1.471 1.625 1.800
41 0.226 0.359 0.497 0.846 0.779 0.898 0.991 1.105 1.238 1.411 1.638 1.815 2.005
42 0.245 0.398 0.551 0.718 0.872 1.000 1.098 1.209 1.340 1.552 1.768 2.018 2.178
43 0.273 0.445 0.620 0.811 0.970 1.101 1.201 1.323 1.482 1.724 2.024 2.194 2.367
44 0.305 0.500 0.704 0.910 1.079 1.210 1.306 1.453 1.655 1.911 2.184 2.371 2.540
45 0.341 0.567 0.795 1.021 1.198 1.322 1.429 1.611 1.844 2.080 2.355 2.562 2.736
46 0.386 0.639 0.896 1.143 1.323 1.451 1.577 1.783 2.018 2.284 2.539 2.749 3.068
47 0.434 0.720 1.006 1.272 1.468 1.607 1.736 1.938 2.209 2.462 2.774 3.088 3.342
48 0.484 0.777 1.065 1.338 1.563 1.728 1.855 2.078 2.382 2.665 3.017 3.342 3.601
49 0.538 0.634 1.127 1.419 1.659 1.823 1.984 2.227 2.560 2.896 3.251 3.584 3.799
50 0.596 0.698 1.203 1.497 1.727 1.924 2.120 2.418 2.783 3.116 3.473 3.820 4.032
51 0.662 0.975 1.278 1.547 1.797 2.027 2.296 2.633 2.995 3.325 3.686 4.059 4.296
52 0.742 1.056 1.331 1.600 1.868 2.164 2 490 2.836 3.198 3.526 3.899 4.212 4.601
53 0.785 1.095 1.412 1.712 2.050 2.411 2.768 3.147 3.523 3.857 4.142 4.601 5.069
Age 14 15 16 17 18 19 20 21 22 23 24 25 Ult.
--- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------
0 0.147 0.152 0.163 0.194 0.223 0.250 0.277 0.306 0.328 0.314 0.302 0.297 0.305
1 0.135 0.146 0.196 0.225 0.252 0.280 0.309 0.331 0.317 0.305 0.300 0.309 0.332
2 0.141 0.190 0.227 0.255 0.283 0.312 0.335 0.320 0.308 0.303 0.312 0.336 0.358
3 0.192 0.222 0.257 0.286 0.316 0.338 0.323 0.312 0.308 0.315 0.339 0.362 0.373
4 0.224 0.254 0.289 0.319 0.341 0.327 0.315 0.309 0.316 0.342 0.365 0.377 0.356
5 0.250 0.260 0.322 0.345 0.330 0.318 0.312 0.321 0.346 0.369 0.380 0.360 0.346
6 0.283 0.279 0.348 0.333 0.321 0.315 0.324 0.349 0.373 0.384 0.364 0.349 0.348
7 0.269 0.292 0.337 0.324 0.319 0.326 0.353 0.376 0.388 0.367 0.353 0.351 0.360
8 0.288 0.292 0.328 0.322 0.331 0.356 0.380 0.392 0.371 0.358 0.355 0.364 0.373
9 0.288 0.317 0.325 4.334 0.360 0.384 0.396 0.375 0.360 0.358 0.367 0.377 0.383
10 0.314 0.304 0.338 0.364 0.388 0.400 0.379 0.383 0.362 0.371 0.381 0.387 0.396
11 0.301 0.317 0.367 0.392 0.404 0.382 0.367 0.366 0.375 0.384 0.391 0.400 0.410
12 0.314 0.343 0.396 0.408 0.388 0.371 0.369 0.379 0.388 0.395 0.404 0.414 0.428
13 0.333 0.362 0.412 0.390 0.375 0.373 0.382 0.392 0.399 0.408 0.418 0.433 0.449
14 0.359 0.387 0.394 0.378 0.377 0.386 0.395 0.403 0.412 0.423 0.437 0.453 0.465
15 0.391 0.366 0.382 0.381 0.390 0.400 0.407 0.416 0.427 0.441 0.458 0.469 0.486
18 0.350 0.355 0.384 0.394 0.404 0.411 0.420 0.431 0.446 0.463 0.474 0.491 0.527
17 0.328 0.363 0.398 0.408 0.415 0.424 0.436 0.450 0.467 0.479 0.496 0.533 0.579
18 0.356 0.368 0.413 0.419 0.429 0.440 0.455 0.472 0.484 0.501 0.538 0.585 0.637
19 0.383 0.373 0.423 0.433 0.444 0.459 9.477 0.489 0.508 0.543 0.591 0.643 0.700
20 0.370 0.374 0.437 0.449 0.464 0.482 0.494 0.511 0.549 0.597 0.650 0.707 0.772
21 0.373 0.385 0.404 0.464 0.482 0.499 0.516 0.554 0.603 0.656 0.714 0.780 0.861
22 0.382 0.403 0.422 0.448 0.479 0.522 0.560 0.609 0.663 0.721 0.788 0.870 0.955
23 0.401 0.425 0.452 0.479 0.522 0.566 0.615 0.669 0.728 0.796 0.879 0.965 1.058
24 0.428 0.457 0.478 0.521 0.584 0.621 0.676 0.736 0.804 0.887 0.974 1.069 1.170
25 0.458 0.481 0.521 0.568 0.621 0.676 0.743 0.812 0.896 0.984 1.080 1.182 1.287
26 0.485 0.518 0.573 0.627 0.683 0.749 0.820 0.905 0.994 1.091 1.194 1.300 1.421
27 0.523 0.578 0.634 0.690 0.757 0.827 0.915 1.004 1.102 1.206 1.313 1.435 1.584
28 0.573 0.637 0.697 0.764 0.836 0.922 1.014 1.113 1.218 1.326 1.449 1.600 1.762
29 0.635 0.703 0.772 0.844 0.931 1.023 1.124 1.230 1.340 1.464 1.616 1.779 1.925
30 0.710 0.760 0.853 0.940 1.032 1.134 1.243 1.353 1.479 1.632 1.797 1.945 2.086
31 0.787 0.861 0.950 1.042 1.145 1.252 1.367 1.494 1.649 1.818 1.964 2.107 2.283
32 0.870 0.959 1.053 1.156 1.264 1.378 1.509 1.685 1.834 1.984 2.129 2.288 2.486
33 0.969 1.063 1.167 1.276 1.391 1.523 1.681 1.852 2.004 2.150 2.309 2.511 2.769
34 1.074 1.178 1.290 1.404 1.537 1.698 1.869 2.024 2.172 2.332 2.536 2.797 3.079
35 1.189 1.300 1.418 1.552 1.718 1.888 2.039 2.189 2.356 2.562 2.825 3.110 3.402
36 1.312 1.431 1.567 1.732 1.907 2.058 2.212 2.368 2.588 2.854 3.141 3.436 3.675
37 1.445 1.682 1.749 1.928 2.078 2.233 2.389 2.608 2.683 3.173 3.471 3.713 3.957
38 1.597 1.788 1.946 2.098 2.255 2.411 2.622 2.897 3.192 3.471 3.713 3.957 4.280
39 1.783 1.966 2.118 2.278 2.433 2.640 2.912 3.221 3.401 3.675 3.997 4.280 4.653
40 1.985 2.138 2.301 2.453 2.662 2.929 3.237 3.435 3.674 3.917 4.238 4.606 5.047
41 2.159 2.324 2.470 2.686 2.956 3.237 3.434 3.673 3.915 4.214 4.653 4.971 5.457
42 2.347 2.495 2.708 2.977 3.236 3.469 3.710 3.934 4.234 4.676 4.996 5.348 5.888
43 2.520 2.729 3.001 3.252 3.504 3.709 3.953 4.255 4.699 5.021 5.375 5.829 6.437
44 2.712 3.025 3.268 3.502 3.746 3.972 4.275 4.722 5.046 5.401 5.688 6.372 7.103
45 3.046 3.292 3.500 3.744 3.991 4.296 4.746 5.070 5.456 5.918 6.404 7.103 7.851
46 3.317 3.532 3.782 4.010 4.316 4.769 5.095 5.482 5.947 6.436 7.175 7.851 8.743
47 3.567 3.800 4.029 4.336 4.792 5.120 5.509 6.007 6.501 7.247 7.930 8.743 9.730
48 3.798 4.029 4.357 4.790 5.144 5.585 6.037 6.533 7.321 8.010 8.631 9.798 10.687
49 4.035 4.384 4.788 5.169 5.621 6.098 6.599 7.357 8.091 8.893 9.897 10.687 11.728
50 4.353 4.795 5.193 5.848 6.128 6.632 7.401 8.173 8.983 9.987 10.762 11.609 12.840
51 4.721 5.233 5.675 6.158 6.699 7.468 8.255 9.056 10.078 10.836 11.702 12.580 14.083
52 5.109 5.693 6.188 6.766 7.544 8.339 9.147 10.170 10.936 11.760 12.707 13.799 15.478
53 5.639 6.216 6.814 7.620 8.423 9.240 10.262 11.038 11.842 12.836 13.938 14.772 17.350
54 0.771 1.144 1.495 1.857 2.254 2.655 3.059 3.473 3.868 4.115 4.524 5.016 5.566
55 0.786 1.190 1.604 2.009 2.447 2.909 3.365 3.822 4.141 4.517 4.930 5.450 6.097
56 0.794 1.255 1.713 2.143 2.644 3.174 3.689 4.095 4.560 4.946 5.354 5.909 6.765
57 0.812 1.305 1.795 2.278 2.850 3.454 3.933 4.518 5.010 5.397 5.803 6.490 7.653
58 0.828 1.406 2.000 2.567 3.163 3.654 4.224 4.783 5.282 5.687 6.229 7.093 8.256
59 0.840 1.524 2.229 2.881 3.389 3.995 4.527 5.045 5.553 6.068 6.815 7.684 8.970
60 0.848 1.659 2.477 3.105 3.765 4.358 4.834 5.307 5.910 6.595 7.391 8.384 9.732
61 0.870 1.803 2.621 3.480 4.170 4.739 5.151 5.652 6.409 7.105 8.074 9.137 10.415
62 0.889 1.825 2.908 3.889 4.602 5.142 5.559 6.133 6.886 7.707 8.809 9.824 11.127
63 0.914 2.025 3.131 4.087 4.782 5.357 5.937 6.534 7.391 8.269 9.384 10.553 11.945
64 1.065 2.241 3.362 4.283 4.982 5.678 6.275 7.004 7.915 8.745 9.977 11.304 12.841
65 1.234 2.471 3.603 4.544 5.305 5.950 6.669 7.490 8.354 9.226 10.572 12.126 13.824
66 1.418 2.718 3.912 4.911 5.588 6.265 7.068 7.894 8.794 9.696 11.211 13.025 15.177
67 1.621 3.027 4.330 5.257 5.917 6.814 7.735 8.297 9.219 10.190 11.895 14.266 17.578
68 1.939 3.526 4.915 6.027 6.796 7.620 8.415 9.102 10.241 11.708 14.348 17.561 21.558
69 2.348 4.064 5.618 6.900 7.697 8.588 9.048 10.005 11.395 13.698 17.508 21.739 25.397
70 2.599 3.983 6.055 6.943 7.771 8.665 9.666 10.976 13.099 16.491 20.671 24.725 28.928
71 2.919 4.298 6.362 7.152 8.508 9.504 10.814 12.497 15.405 19.541 23.756 28.289 32.684
72 3.358 4.869 6.743 7.745 9.350 10.641 12.232 14.994 18.793 22.458 27.530 32.275 36.046
73 3.779 5.424 7.209 6.496 10.355 11.929 14.807 17.699 21.660 26.048 31.108 35.768 39.828
74 4.254 6.026 7.812 9.438 11.722 14.101 17.065 20.821 24.855 29.360 34.355 39.107 43.755
75 4.684 6.610 8.793 10.696 13.361 16.397 19.775 23.970 28.056 32.342 37.612 43.017 48.405
76 5.178 7.370 10.093 12.323 15.399 18.678 22.738 27.059 31.129 35.367 41.458 47.279 56.386
77 5.733 8.550 11.636 14.505 18.038 21.523 25.630 30.171 34.433 39.078 46.010 54.969 66.499
78 6.489 9.828 13.567 16.670 20.717 24.518 28.326 33.794 37.954 43.533 52.848 64.768 78.315
79 7.468 11.327 15.592 19.272 23.746 27.483 31.441 37.584 42.621 50.679 62.051 76.196 89.563
80 8.621 13.090 17.922 21.946 26.303 30.271 35.017 41.653 49.645 58.879 73.476 88.388 99.048
81 9.926 15.102 20.566 24.274 29.041 33.576 39.065 47.140 58.143 69.579 84.029 96.598 104.722
82 11.399 17.255 22.907 26.670 32.062 37.630 44.154 56.033 69.106 80.634 94.089 102.132 107.733
83 12.944 19.521 25.290 29.588 36.446 42.588 55.495 65.850 79.184 91.696 101.690 108.573 120.988
84 15.202 21.509 27.840 33.869 42.984 54.912 66.948 80.336 92.921 102.370 109.408 122.024 135.962
85 18.891 24.288 31.849 39.668 54.474 67.821 81.727 94.402 103.915 110.244 123.068 137.235 152.859
86 24.207 30.425 38.919 51.816 68.713 82.912 96.104 105.674 112.080 124.121 136.520 154.403 165.085
87 29.635 38.124 50.777 69.602 84.123 97.620 107.646 114.090 126.362 139.817 155.963 166.752 176.708
88 37.281 49.859 68.565 85.336 99.158 109.466 116.270 128.743 142.506 157.538 168.437 180.513 193.897
89 47.460 69.822 84.670 100.718 111.316 118.354 131.255 145.308 160.753 170.138 182.336 195.856 211.346
90 67.775 86.261 100.557 113.195 120.474 133.727 148.227 164.034 173.610 184.178 197.834 213.480 231.421
91 84.624 102.485 113.633 122.647 138.260 151.141 167.382 177.153 187.937 199.833 215.637 233.759 254.565
92 101.438 115.850 123.703 138.826 154.112 170.798 180.769 191.772 203.911 217.815 236.120 257.136 281.294
93 115.566 126.138 140.625 157.142 174.283 184.458 195.886 206.072 222.260 238.505 259.734 284.135 312.236
94 126.688 143.431 159.793 177.840 188.222 199.680 212.319 226.796 243.373 262.357 287.005 315.390 349.701
95 144.907 163.020 161.470 192.063 203.755 216.652 231.425 248.339 267.711 289.904 318.575 353.234 395.160
96 165.575 165.173 195.963 207.913 221.073 236.148 253.408 273.175 295.821 321.793 356.802 399.151 450.481
97 186.952 199.983 212.156 225.585 240.967 258.579 278.750 301.858 328.361 360.406 403.183 455.032 518.054
98 204.064 216.486 230.169 245.885 263.858 284.439 308.018 335.062 367.761 407.258 459.628 523.267 647.181
99 220.904 234.886 250.903 269.241 290.243 314.304 341.900 375.266 415.567 464.271 528.573 653.718 0.000
54 6.207 6.876 7.697 8.508 9.288 10.355 11.124 11.925 12.939 14.079 14.842 16.298 19.776
55 6.920 7.754 8.594 9.379 10.449 11.237 12.033 13.029 14.148 14.833 16.286 18.378 22.792
56 7.693 8.669 9.474 10.544 11.350 12.142 13.092 14.217 14.983 18.272 18.362 20.950 26.194
57 8.503 9.570 10.651 11.441 12.201 13.197 14.286 15.053 18.255 18.343 20.929 25.665 29.971
58 9.628 10.719 11.522 12.324 13.289 14.354 15.122 16.237 18.323 21.023 25.657 27.549 33.782
59 10.452 11.612 12.449 13.352 14.469 15.192 16.401 16.300 21.117 25.376 27.738 31.393 37.213
60 11.193 12.564 13.467 14.569 15.262 16.381 18.275 21.330 25.360 27.892 31.607 35.334 40.639
61 11.967 13.561 14.638 15.247 16.546 18.141 21.425 25.341 28.080 31.856 35.691 38.587 44.643
62 12.755 14.661 15.401 18.713 18.217 21.519 25.040 28.301 32.002 35.860 38.976 42.743 50.090
63 13.612 15.558 16.690 18.293 21.613 25.012 28.491 32.148 38.028 39.181 42.720 47.813 57.535
64 14.542 16.820 18.368 21.706 25.123 28.616 32.293 36.196 39.345 43.152 48.040 55.152 67.384
65 15.837 18.465 21.800 25.233 28.907 32.620 36.364 39.742 43.356 48.526 55.651 64.681 78.992
66 17.520 21.893 25.343 29.134 32.949 36.532 39.712 43.559 48.859 56.153 65.245 75.800 90.338
67 21.599 25.453 29.329 33.097 36.699 40.113 43.999 49.248 56.601 65.766 76.404 87.600 99.904
68 25.415 29.457 33.431 36.863 40.298 44.205 49.479 56.870 66.290 77.095 88.024 96.877 105.627
69 29.417 33.580 37.033 40.483 44.410 49.979 57.445 66.605 77.709 58.448 96.836 102.426 108.031
70 33.272 36.991 40.532 44.371 49.941 57.531 67.063 78.079 88.871 97.814 103.138 105.631 115.605
71 36.861 40.624 44.524 50.336 57.863 67.451 78.784 89.294 98.386 103.962 105.816 114.752 124.488
72 40.438 44.825 50.124 56.258 67.767 79.240 90.196 98.750 104.682 106.439 115.557 124.865 134.137
73 44.473 50.183 58.529 68.157 79.358 90.138 99.216 105.295 107.514 116.008 125.873 135.492 144.865
74 49.447 58.477 68.398 79.812 91.048 100.219 105.910 108.146 116.818 127.016 136.861 146.329 156.820
75 57.770 68.663 79.918 91.770 101.231 106.526 108.894 117.450 128.169 138.243 147.807 158.404 170.149
76 68.267 80.285 92.297 101.707 107.259 109.678 118.206 129.398 139.640 149.300 160.004 171.868 185.460
77 79.314 92.019 192.182 107.764 110.288 118.903 130.639 141.050 150.808 161.620 173.604 187.334 203.077
78 90.706 102.098 108.386 110.927 119.478 131.358 142.475 152.331 163.253 175.357 189.226 205.128 223.386
79 100.312 108.537 110.494 119.796 131.875 143.914 153.870 164.902 177.129 191.137 207.200 225.642 246.841
80 106.415 110.766 119.981 132.349 145.368 155.424 166.567 178.918 193.068 209.293 227.922 249.334 273.993
81 108.472 120.288 132.213 146.838 156.994 168.250 180.725 195.018 211.407 230.224 251.853 276.761 308.870
62 119.961 133.451 148.319 158.580 169.949 182.551 196.988 213.543 232.549 254.387 279.557 309.970 346.761
83 134.701 149.817 160.181 171.668 184.395 198.978 215.700 234.898 256.967 282.380 313.101 350.264 395.307
84 151.331 161.799 173.400 186.257 200.988 217.879 237.271 259.562 285.233 316.264 353.802 399.300 454.604
85 163.434 175.152 188.138 203.018 220.079 239.668 262.184 288.114 319.458 357.378 403.333 459.198 567.915
86 176.921 190.039 205.068 222.302 242.089 264.832 291.024 322.685 360.985 407.407 463.834 573.652 0.000
87 191.958 207.140 224.548 244.534 287.507 293.964 325.945 364.632 411.523 468.519 579.448 0.000 0.000
80 209.232 226.816 247.004 270.210 296.833 329.237 368.315 415.679 473.252 585.299 0.000 0.000 0.000
89 229.107 249.499 272.939 299.932 332.563 372.035 419.878 478.032 591.211 0.000 0.000 0.000 0.000
90 252.019 275.696 302.962 335.922 375.793 424.119 482.860 597.183 0.000 0.000 0.000 0.000 0.000
91 278.481 306.022 339.315 379.589 428.403 487.738 603.215 0.000 0.000 0.000 0.000 0.000 0.000
92 309.113 342.742 383.423 432.731 498.665 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000
93 346.204 387.296 437.102 497.641 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
94 391.208 441.517 502.668 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 445.977 507.745 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 512.874 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.009 0.000 0.000 0.000
98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
BMA Reinsurance
Exhibit IIA
Miscellaneous Premiums
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
================================================================================
Policy Fees:
There are no policy fees for cases reinsured on a YRT rate basis.
Flat Extra Premiums:
Flat extra will be the flat extra premium charged the insured times the per
thousand amount ceded to BMA, less the allowances shown in Exhibit III.
Substandard Premiums:
Substandard premiums are standard premiums increased 25% per Table.
Rate Basis on Life Riders:
The Additional/Spouse/Primary Insured/Other Insured Term Rider will be reinsured
on the same rate basis as the base plan using the rates applicable to the age,
sex, and underwriting classification of the insured.
Page 1 of 1
BMA Reinsurance
Exhibit IIB
Percentages of Premium
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
================================================================================
Accumulation Single Life VUL
Policy Preferred Preferred Standard Preferred Standard
Years Non-Nicotine Non-Nicotine Non-Nicotine Nicotine Nicotine
------ ------------ ------------ ------------ --------- --------
1 + 50% 73% 94% 139% 213%
Page 1 of 1
EXHIBIT II.1
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.077183 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.051232
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.052284 0.061719
12 0.041678 0.041678 0.041678 0.041678 0.055834 0.062764 0.069022
13 0.041678 0.041678 0.041678 0.059470 0.065648 0.070063 0.072143
14 0.041678 0.041678 0.063191 0.069660 0.075401 0.072143 0.074222
15 0.041678 0.066998 0.072586 0.078660 0.077562 0.074222 0.072143
16 0.070888 0.076723 0.083081 0.080903 0.079720 0.073182 0.070063
17 0.080944 0.087584 0.084243 0.083142 0.077562 0.071103 0.070063
18 0.052959 0.050015 0.048435 0.045546 0.042112 0.041678 0.041678
19 0.051540 0.049332 0.045814 0.044291 0.041678 0.041678 0.041678
20 0.050117 0.044538 0.043843 0.042405 0.041678 0.041678 0.041678
21 0.045833 0.041783 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.042242 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
31 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
32 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
33 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
34 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
35 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.045071
36 0.041678 0.041678 0.041678 0.042405 0.042712 0.044501 0.046778
37 0.041678 0.041678 0.041867 0.044919 0.046900 0.047346 0.053582
38 0.041678 0.041678 0.043185 0.046799 0.049286 0.053582 0.058099
39 0.041678 0.041678 0.045814 0.049924 0.053447 0.056971 0.064285
40 0.041678 0.041678 0.049089 0.055523 0.058184 0.060914 0.069888
41 0.041678 0.045225 0.054951 0.061092 0.064081 0.068769 0.075473
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.047017
5 0.041678 0.041678 0.041678 0.041678 0.048072 0.057533
6 0.041678 0.041678 0.041678 0.048072 0.058581 0.063809
7 0.041678 0.041678 0.048072 0.058581 0.063809 0.066938
8 0.041678 0.049127 0.059627 0.064852 0.066938 0.071103
9 0.050180 0.059627 0.064852 0.067980 0.071103 0.070063
10 0.060674 0.065896 0.067980 0.071103 0.070063 0.069022
11 0.067980 0.069022 0.071103 0.071103 0.069022 0.069022
12 0.071103 0.073182 0.071103 0.069022 0.069022 0.069022
13 0.073182 0.071103 0.069022 0.069022 0.067980 0.071103
14 0.072143 0.069022 0.069022 0.067980 0.071103 0.073182
15 0.070063 0.069022 0.067980 0.071103 0.073182 0.079408
16 0.070063 0.069022 0.071103 0.072143 0.079408 0.084582
17 0.069022 0.071103 0.071103 0.078372 0.084582 0.087682
18 0.041678 0.041678 0.042790 0.045640 0.045640 0.046210
19 0.041678 0.042790 0.043932 0.044501 0.044501 0.043932
20 0.041678 0.042220 0.042790 0.042790 0.042790 0.042790
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.042220
29 0.041678 0.041678 0.041678 0.041678 0.042790 0.045640
30 0.041678 0.041678 0.041678 0.042790 0.045640 0.049618
31 0.041678 0.041678 0.043361 0.045640 0.049618 0.053017
32 0.041678 0.042790 0.046210 0.049618 0.053017 0.058662
33 0.041678 0.045640 0.049051 0.053017 0.058662 0.064846
34 0.045640 0.049051 0.053582 0.058662 0.065407 0.073242
35 0.049051 0.054147 0.059225 0.065407 0.072683 0.080485
36 0.053582 0.058099 0.064846 0.072125 0.081597 0.088257
37 0.058099 0.064285 0.072125 0.081597 0.087702 0.096553
38 0.064846 0.072683 0.082153 0.088811 0.096553 0.106471
39 0.072683 0.082709 0.088811 0.096553 0.106471 0.118543
40 0.080485 0.089918 0.097105 0.105921 0.119638 0.132747
41 0.086594 0.098208 0.105921 0.117995 0.133292 0.150146
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.050180 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.049127 0.056485 0.041678 0.041678 0.041678
2 0.041678 0.048072 0.056485 0.063809 0.041678 0.041678 0.041678
3 0.048072 0.056485 0.063809 0.065896 0.041678 0.041678 0.041678
4 0.057533 0.062764 0.065896 0.070063 0.041678 0.041678 0.041678
5 0.063809 0.066938 0.070063 0.069022 0.041678 0.041678 0.041678
6 0.066938 0.070063 0.069022 0.069022 0.041678 0.041678 0.041678
7 0.071103 0.069022 0.069022 0.069022 0.041678 0.042220 0.043361
8 0.070063 0.069022 0.069022 0.069022 0.041678 0.042790 0.046210
9 0.069022 0.069022 0.069022 0.073182 0.042790 0.046210 0.049051
10 0.069022 0.070063 0.072143 0.076297 0.046210 0.049051 0.050752
11 0.069022 0.071103 0.075259 0.082514 0.049051 0.050752 0.051319
12 0.071103 0.074222 0.081479 0.087682 0.050752 0.051319 0.051319
13 0.073182 0.080444 0.087682 0.091808 0.051319 0.051319 0.050185
14 0.080444 0.086649 0.090777 0.093869 0.051319 0.050185 0.051319
15 0.084582 0.090777 0.094899 0.092839 0.050185 0.050752 0.051319
16 0.088714 0.093869 0.092839 0.090777 0.050185 0.050752 0.049618
17 0.091808 0.091808 0.090777 0.089746 0.050185 0.048483 0.050752
18 0.047915 0.049051 0.049051 0.049051 0.047915 0.049618 0.050752
19 0.045071 0.046778 0.047346 0.046778 0.047915 0.048483 0.050185
20 0.042790 0.044501 0.045071 0.046210 0.046778 0.048483 0.049618
21 0.042220 0.043361 0.043932 0.045071 0.047346 0.048483 0.049618
22 0.041678 0.042220 0.043932 0.045640 0.047346 0.049618 0.050185
23 0.041678 0.041678 0.044501 0.046210 0.048483 0.049618 0.051319
24 0.041678 0.042220 0.045071 0.047346 0.049051 0.051319 0.054713
25 0.041678 0.042790 0.046210 0.048483 0.051319 0.054713 0.060914
26 0.041678 0.043932 0.047915 0.051319 0.054713 0.060914 0.066529
27 0.043361 0.046210 0.051319 0.054713 0.060914 0.066529 0.075473
28 0.046210 0.049618 0.054147 0.060914 0.066529 0.075473 0.083264
29 0.049618 0.053017 0.060914 0.066529 0.075473 0.083264 0.091026
30 0.053017 0.058662 0.066529 0.075473 0.083264 0.091026 0.101517
31 0.059225 0.065407 0.075473 0.083264 0.091026 0.101517 0.110867
32 0.065407 0.074358 0.082709 0.091026 0.100415 0.110867 0.119638
33 0.073800 0.082153 0.091026 0.099312 0.109768 0.119638 0.133292
34 0.081041 0.089365 0.099312 0.108670 0.119090 0.133292 0.150146
35 0.088257 0.097657 0.108120 0.119090 0.133292 0.150689 0.172325
36 0.096553 0.106471 0.119090 0.133292 0.150689 0.172865 0.196539
37 0.106471 0.117995 0.132747 0.151232 0.173943 0.197613 0.225978
38 0.118543 0.132747 0.152316 0.174483 0.199222 0.228114 0.254208
39 0.133292 0.152316 0.175561 0.201367 0.229714 0.256333 0.281259
40 0.151774 0.175022 0.202440 0.231848 0.258458 0.283376 0.308740
41 0.173404 0.204048 0.233980 0.260051 0.284964 0.310322 0.339284
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.043932
3 0.041678 0.041678 0.041678 0.041678 0.044501 0.046778
4 0.041678 0.041678 0.042220 0.044501 0.047346 0.048483
5 0.041678 0.042790 0.045071 0.047915 0.048483 0.049051
6 0.042790 0.045640 0.047915 0.049051 0.049618 0.049051
7 0.046210 0.048483 0.049618 0.050185 0.049618 0.049051
8 0.049051 0.050185 0.050752 0.050185 0.049051 0.049051
9 0.050752 0.051319 0.050752 0.049618 0.049618 0.050185
10 0.051319 0.050752 0.050185 0.050185 0.050752 0.050752
11 0.050752 0.050752 0.050752 0.051319 0.051319 0.051319
12 0.050185 0.051319 0.051885 0.051885 0.051319 0.050752
13 0.051319 0.052451 0.052451 0.051885 0.051319 0.050185
14 0.051885 0.051885 0.052451 0.051885 0.050752 0.049618
15 0.050752 0.052451 0.051885 0.051319 0.050185 0.049618
16 0.051319 0.051885 0.051885 0.050185 0.050185 0.050185
17 0.051885 0.051885 0.050752 0.050185 0.050752 0.052451
18 0.051885 0.050185 0.050752 0.051319 0.053017 0.055842
19 0.050185 0.049618 0.051885 0.053582 0.056407 0.060914
20 0.049618 0.051319 0.051885 0.056971 0.061476 0.066529
21 0.050752 0.051885 0.056407 0.062038 0.067089 0.074358
22 0.051319 0.055842 0.060914 0.068209 0.074916 0.082709
23 0.055277 0.060914 0.067089 0.075473 0.083264 0.092133
24 0.060914 0.066529 0.075473 0.083264 0.093238 0.102068
25 0.066529 0.075473 0.083264 0.092133 0.103169 0.111416
26 0.075473 0.083264 0.091579 0.103169 0.112514 0.120732
27 0.083264 0.091579 0.102618 0.112514 0.122374 0.133292
28 0.091579 0.102068 0.111416 0.122374 0.134927 0.147976
29 0.102068 0.110867 0.120732 0.133292 0.149605 0.167467
30 0.110867 0.119638 0.133292 0.149605 0.169087 0.187944
31 0.119638 0.133292 0.149605 0.169087 0.190094 0.214222
32 0.133292 0.149605 0.170707 0.190632 0.216361 0.242505
33 0.149605 0.170707 0.191706 0.217965 0.244634 0.271723
34 0.171246 0.193855 0.220103 0.246231 0.271723 0.304518
35 0.194928 0.222241 0.247827 0.274373 0.304518 0.336655
36 0.223843 0.249955 0.276492 0.304518 0.336655 0.366058
37 0.252082 0.278081 0.302934 0.338232 0.362388 0.402692
38 0.279670 0.304518 0.336655 0.362388 0.390669 0.439206
39 0.306629 0.336655 0.363961 0.390669 0.417833 0.478729
40 0.338232 0.366058 0.390669 0.417311 0.455341 0.525385
41 0.367631 0.390146 0.417311 0.454822 0.504667 0.569320
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.041678 0.051379 0.061422 0.067862 0.071708 0.072683 0.080485
43 0.041678 0.055455 0.065927 0.074597 0.077549 0.079929 0.089365
44 0.047265 0.060187 0.072334 0.081300 0.083951 0.089365 0.098208
45 0.054377 0.066907 0.078707 0.088578 0.092065 0.098761 0.109219
46 0.064230 0.074248 0.085049 0.096428 0.105325 0.110318 0.122374
47 0.073981 0.080883 0.092625 0.104843 0.116791 0.123467 0.133292
48 0.076059 0.086825 0.100164 0.114418 0.128205 0.134382 0.147434
49 0.078824 0.093397 0.108918 0.125139 0.137870 0.147976 0.165846
50 0.080893 0.100592 0.118872 0.132852 0.149766 0.165846 0.187944
51 0.084333 0.109053 0.125688 0.142903 0.165560 0.187406 0.212081
52 0.086392 0.112945 0.134947 0.156443 0.184646 0.211011 0.240908
53 0.088448 0.120055 0.147848 0.174012 0.203084 0.233448 0.263767
54 0.091867 0.129710 0.164340 0.192652 0.225886 0.254208 0.278081
55 0.097321 0.142513 0.181342 0.216398 0.246928 0.265890 0.295011
56 0.105462 0.154608 0.203067 0.238287 0.258521 0.280200 0.307157
57 0.112888 0.172324 0.223463 0.250911 0.273943 0.289195 0.330342
58 0.136966 0.196811 0.238390 0.272642 0.290423 0.317176 0.361863
59 0.162727 0.211782 0.259200 0.288596 0.322715 0.348743 0.394330
60 0.183002 0.233497 0.274596 0.322638 0.351602 0.383344 0.426178
61 0.201831 0.250161 0.308769 0.352557 0.391222 0.415745 0.449619
62 0.219896 0.286340 0.338056 0.394120 0.427434 0.441810 0.458462
63 0.236580 0.302798 0.370687 0.425986 0.451144 0.459502 0.523315
64 0.250635 0.330107 0.397951 0.446608 0.458138 0.516584 0.561575
65 0.264635 0.351250 0.417608 0.448278 0.505908 0.566222 0.610051
66 0.276686 0.367506 0.415298 0.477731 0.544416 0.600263 0.703556
67 0.288070 0.363897 0.432605 0.502669 0.595588 0.703043 0.840036
68 0.304460 0.384317 0.461366 0.546308 0.639156 0.742482 0.878757
69 0.330810 0.417208 0.503752 0.590330 0.683664 0.785941 0.920479
70 0.359509 0.452909 0.545946 0.636387 0.732810 0.833408 0.960115
71 0.397329 0.494935 0.593062 0.687199 0.787620 0.881303 0.996154
72 0.439208 0.545554 0.646183 0.821899 0.909389 0.928613 1.118228
73 0.461270 0.655849 0.847678 0.920122 0.954896 1.099004 1.224820
74 0.503361 0.718951 0.928670 0.985173 1.092016 1.203117 1.296426
75 0.551875 0.786904 1.014828 1.104069 1.195381 1.272232 1.480080
76 0.603717 0.859667 1.112710 1.207546 1.312425 1.453947 1.887602
77 0.658856 0.942323 1.216750 1.325009 1.471436 1.834062 2.259341
78 0.722020 1.029673 1.334543 1.485967 1.894693 2.171974 2.425006
79 0.788379 1.128453 1.464895 1.790931 2.071729 2.329212 2.673853
80 0.863791 1.237988 1.601245 1.957192 2.254594 2.570142 2.966475
81 0.946976 1.352606 1.748435 2.128280 2.489706 2.856312 3.370797
82 1.033783 1.476186 1.900524 2.467890 2.859390 3.301485 3.715508
83 1.127094 1.804009 2.254160 2.827814 3.264768 3.642650 4.188015
84 1.468914 2.172941 2.633708 3.222275 3.657296 4.114037 4.699535
85 1.855381 2.570409 3.051045 3.651993 4.135427 4.568281 5.026071
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
42 0.093791 0.107021 0.116352 0.132747 0.149062 0.171786
43 0.102068 0.116900 0.131112 0.147434 0.169627 0.204048
44 0.111965 0.128384 0.144175 0.169627 0.198149 0.228647
45 0.124014 0.136560 0.158816 0.189557 0.222241 0.254208
46 0.133292 0.149605 0.175561 0.212617 0.248359 0.283376
47 0.146347 0.166386 0.195466 0.236646 0.278611 0.308212
48 0.164765 0.189020 0.220103 0.266950 0.305574 0.334025
49 0.186868 0.213687 0.248891 0.292897 0.334025 0.352943
50 0.211011 0.243570 0.278081 0.319811 0.346116 0.374443
51 0.240375 0.273313 0.301878 0.344015 0.369203 0.400602
52 0.269072 0.297125 0.325078 0.367631 0.394330 0.433997
53 0.288138 0.320865 0.349267 0.388576 0.431913 0.450659
54 0.308212 0.344540 0.381251 0.428785 0.449619 0.499484
55 0.327184 0.375491 0.424614 0.450138 0.495854 0.531595
56 0.352943 0.418355 0.451180 0.490666 0.527973 0.536251
57 0.390146 0.452740 0.482882 0.519690 0.526938 0.611595
58 0.416789 0.481844 0.514512 0.517619 0.602839 0.664048
59 0.448057 0.491185 0.512958 0.601808 0.644009 0.725076
60 0.464701 0.487034 0.539354 0.629095 0.702531 0.794114
61 0.467819 0.517619 0.561058 0.653260 0.780322 0.890465
62 0.516584 0.558476 0.636296 0.766010 0.875703 0.962147
63 0.560026 0.623950 0.729684 0.872137 0.945893 1.029624
64 0.619318 0.721491 0.856856 0.929122 1.011372 1.160692
65 0.712781 0.849212 0.911834 0.992603 1.140981 1.271224
66 0.841056 0.903187 0.973317 1.105076 1.249540 1.378005
67 0.893519 0.987022 1.083822 1.209679 1.335215 1.549888
68 1.000213 1.056985 1.169786 1.291387 1.554909 1.793015
69 1.043814 1.179889 1.246514 1.560932 1.765475 2.120034
70 1.084834 1.235920 1.386055 1.696842 1.991616 2.430493
71 1.127836 1.286850 1.461989 1.846073 2.345181 2.807459
72 1.245000 1.340754 1.540852 1.999614 2.792505 3.090598
73 1.319602 1.527295 1.807533 2.592082 2.958500 3.324920
74 1.504194 1.843571 2.495835 2.823411 3.216227 3.510942
75 1.880097 2.451943 2.718225 3.104557 3.430640 3.819333
76 2.374120 2.636958 2.990901 3.309962 3.733476 4.102042
77 2.550693 2.902670 3.225201 3.645145 4.098544 4.466643
78 2.772564 3.170361 3.555339 4.049574 4.439615 4.852447
79 3.071157 3.497474 3.953659 4.387571 4.849939 5.027075
80 3.436126 3.894229 4.334039 4.846930 5.023058 5.435752
81 3.831315 4.322032 4.790766 5.018038 5.431726 5.878323
82 4.232011 4.781240 5.012013 5.486597 5.874284 6.391174
83 4.769207 4.999464 5.481562 5.869741 6.422088 6.893313
84 4.984405 5.470485 5.864693 6.418540 6.963539 7.475175
85 5.582290 5.984378 6.414485 7.034315 7.549836 8.336216
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
42 0.204048 0.236113 0.262175 0.287080 0.312432 0.339284 0.369203
43 0.236113 0.264829 0.289725 0.314013 0.339284 0.369203 0.389623
44 0.261644 0.291840 0.315595 0.340861 0.368679 0.389100 0.415745
45 0.291311 0.317176 0.342438 0.368679 0.389100 0.415224 0.443372
46 0.312432 0.344015 0.368155 0.388576 0.414702 0.442851 0.465221
47 0.340861 0.366058 0.390146 0.414180 0.439727 0.461582 0.504149
48 0.358716 0.385961 0.413658 0.441289 0.463142 0.497409 0.552277
49 0.378633 0.409482 0.440769 0.465221 0.498965 0.551243 0.618803
50 0.402692 0.436081 0.466781 0.501039 0.550210 0.611080 0.679962
51 0.432954 0.455862 0.505704 0.549176 0.603354 0.671237 0.716368
52 0.448578 0.494816 0.547626 0.595109 0.663021 0.714830 0.782876
53 0.497928 0.531078 0.586861 0.653774 0.713294 0.781343 0.868063
54 0.531078 0.568287 0.644523 0.711756 0.779811 0.866026 0.947925
55 0.545558 0.630638 0.709706 0.777767 0.864497 0.934713 1.026075
56 0.621377 0.694327 0.780322 0.862460 0.932680 1.023541 1.107606
57 0.675344 0.768056 0.849721 0.930138 1.021512 1.105076 1.222801
58 0.746575 0.830858 0.928105 1.006300 1.102546 1.219774 1.389578
59 0.807389 0.907765 0.991081 1.099510 1.216745 1.387062 1.544367
60 0.904713 0.981439 1.089389 1.213717 1.367939 1.524283 1.691330
61 0.965701 1.078760 1.210689 1.348810 1.521270 1.688824 1.880598
62 1.047360 1.198573 1.337229 1.518257 1.685817 1.877596 2.149501
63 1.179889 1.329172 1.496660 1.682809 1.874594 2.158990 2.432489
64 1.291890 1.478573 1.679301 1.871593 2.168478 2.443961 2.744647
65 1.419759 1.659249 1.878597 2.177965 2.454936 2.758107 3.019813
66 1.615121 1.868090 2.187453 2.466408 2.771069 3.046731 3.283036
67 1.820048 2.175469 2.477880 2.784529 3.074148 3.312455 3.576791
68 2.148003 2.488853 2.797490 3.101565 3.341874 3.608721 3.849789
69 2.459923 2.810949 3.128983 3.371794 3.641153 3.884241 4.138527
70 2.809453 3.156900 3.401715 3.673588 3.919198 4.176016 4.439615
71 3.123998 3.432136 3.706525 3.954159 4.213512 4.479659 4.742639
72 3.396727 3.739465 3.989623 4.251014 4.519709 4.790265 5.072768
73 3.588764 3.985127 4.238012 4.497179 4.809318 5.092857 5.393479
74 3.903217 4.194014 4.496179 4.833388 5.092355 5.392976 5.653848
75 4.148523 4.494677 4.856961 5.091350 5.391969 5.710817 6.143105
76 4.492674 4.855958 5.089843 5.390460 5.709304 6.205332 6.556982
77 4.854453 5.087332 5.387944 5.766798 6.236709 6.623466 6.984411
78 5.084821 5.385428 5.764276 6.235192 6.621943 7.049595 7.761805
79 5.439276 5.822298 6.298474 6.688969 7.114814 7.841266 8.392892
80 5.819270 6.329367 6.757046 7.185677 7.921297 8.478995 9.099734
81 6.360267 6.825670 7.257093 8.002411 8.566199 9.193679
82 6.859741 7.329062 8.084612 8.654506 9.289267
83 7.401585 8.167902 8.743920 9.385464
84 8.251770 8.833926 9.482271
85 8.925044 9.580733
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
42 0.390146 0.416789 0.450138 0.499484 0.536251 0.609020
43 0.416267 0.447016 0.493779 0.530042 0.579640 0.660453
44 0.444414 0.482882 0.523833 0.567254 0.628581 0.725587
45 0.471457 0.523315 0.560542 0.621377 0.690223 0.808920
46 0.510886 0.553827 0.620862 0.689710 0.753737 0.895046
47 0.552794 0.620348 0.689198 0.729172 0.816064 0.980424
48 0.619833 0.695865 0.719954 0.806367 0.894028 1.070659
49 0.688172 0.718929 0.796157 0.893010 0.965701 1.172312
50 0.717392 0.785941 0.891992 0.964686 1.057491 1.288866
51 0.784409 0.880794 0.958084 1.056478 1.150080 1.414730
52 0.869591 0.951481 1.043307 1.135926 1.262148 1.534326
53 0.949449 1.029624 1.121262 1.246514 1.398633 1.685817
54 1.028103 1.119239 1.230370 1.412215 1.569965 1.847074
55 1.116710 1.227848 1.410706 1.568962 1.701853 2.030602
56 1.225325 1.409197 1.567456 1.699849 1.870592 2.233884
57 1.407185 1.565448 1.698346 1.869091 2.102051 2.423509
58 1.563943 1.696341 1.887102 2.111543 2.376115 2.652414
59 1.693836 1.885101 2.121032 2.387091 2.652414 2.889212
60 1.883099 2.130522 2.398566 2.678839 2.889212 3.140948
61 2.140012 2.410041 2.705262 2.914634 3.140948 3.387253
62 2.421015 2.718225 2.941053 3.168865 3.417673 3.645644
63 2.731685 2.966974 3.196783 3.451587 3.678079 3.914703
64 2.993393 3.225201 3.482511 3.715010 3.950163 4.195013
65 3.254118 3.513437 3.747950 3.989623 4.232511 4.485165
66 3.544863 3.781393 4.029090 4.275018 4.521211 4.796782
67 3.815339 4.065563 4.313529 4.566278 4.839908 5.204160
68 4.102042 4.356550 4.607848 4.883546 5.181779 5.498550
69 4.395577 4.653938 4.932714 5.229022 5.543502 5.871760
70 4.695527 4.976877 5.281309 5.593374 5.930836 6.297967
71 5.027075 5.329085 5.644271 5.978820 6.361787 6.772801
72 5.382913 5.701236 6.033392 6.413472 6.841433 7.302005
73 5.654856 6.075851 6.426143 6.731641 7.376554 7.894101
74 6.124898 6.491546 6.794150 7.452173 7.974682 8.556391
75 6.557489 6.857198 7.528353 8.056349 8.644691
76 6.920279 7.605094 8.139103 8.733579
77 7.682911 8.222948 8.823577
78 8.307373 8.914686
79 9.006910
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.075314 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
31 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
32 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
33 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
34 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
35 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
36 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
37 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.042630
38 0.041678 0.041678 0.041678 0.041678 0.041678 0.042630 0.046916
39 0.041678 0.041678 0.041678 0.041678 0.044134 0.046305 0.051181
40 0.041678 0.041678 0.041678 0.042732 0.048031 0.051181 0.056638
41 0.041678 0.041678 0.041678 0.047555 0.053197 0.057243 0.062671
Duration
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
31 0.041678 0.041678 0.041678 0.041678 0.042016 0.045694
32 0.041678 0.041678 0.041678 0.042016 0.046305 0.050573
33 0.041678 0.041678 0.042630 0.046305 0.051181 0.056034
34 0.041678 0.042016 0.046305 0.051181 0.056034 0.062068
35 0.041678 0.045694 0.050573 0.055428 0.062068 0.068073
36 0.044470 0.050573 0.054823 0.061467 0.068073 0.075243
37 0.048746 0.055428 0.060864 0.066875 0.074648 0.082971
38 0.053003 0.060864 0.066875 0.074648 0.082378 0.090663
39 0.058451 0.065675 0.073454 0.082971 0.090663 0.099496
40 0.063873 0.071663 0.080598 0.091253 0.100671 0.110628
41 0.069271 0.077626 0.087709 0.101257 0.111212 0.122284
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.042307 0.044501 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.045597 0.046691 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.046691 0.044501 0.041678 0.041678 0.041678
14 0.041678 0.044501 0.044501 0.043405 0.041678 0.041678 0.041678
15 0.044501 0.042307 0.043405 0.043405 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.043405 0.044501 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.045597 0.046691 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.043857
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.043857 0.047526
26 0.041678 0.041678 0.041678 0.041678 0.043857 0.048137 0.052396
27 0.041678 0.041678 0.041678 0.044470 0.048746 0.053003 0.057848
28 0.041678 0.041678 0.045082 0.048746 0.053610 0.058451 0.063873
29 0.041678 0.045082 0.049356 0.053610 0.059055 0.064475 0.070468
30 0.045694 0.049965 0.054217 0.059658 0.065075 0.071065 0.077626
31 0.050573 0.054823 0.060262 0.065675 0.071663 0.078221 0.085342
32 0.055428 0.060864 0.066275 0.072858 0.078815 0.085934 0.093612
33 0.061467 0.066875 0.073454 0.080004 0.086526 0.094201 0.103604
34 0.067475 0.074051 0.080598 0.087118 0.095379 0.104776 0.114714
35 0.074648 0.081192 0.088300 0.095968 0.105948 0.115881 0.124608
36 0.081785 0.088891 0.097145 0.106534 0.117046 0.125769 0.134462
37 0.090073 0.097733 0.107704 0.118211 0.126930 0.135619 0.144855
38 0.098909 0.108874 0.119375 0.128090 0.137353 0.146008 0.158082
39 0.109459 0.120539 0.129249 0.138509 0.147161 0.159230 0.174682
40 0.121702 0.130409 0.139663 0.148312 0.160377 0.175823 0.193474
41 0.131567 0.140818 0.149463 0.162096 0.177535 0.193474 0.204252
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.045082
20 0.041678 0.041678 0.041678 0.042016 0.045694 0.049356
21 0.041678 0.041678 0.042630 0.045694 0.049965 0.054823
22 0.041678 0.042630 0.046305 0.050573 0.055428 0.060262
23 0.043244 0.046916 0.051181 0.056034 0.060864 0.066875
24 0.047526 0.051181 0.056638 0.061467 0.067475 0.073454
25 0.051789 0.057243 0.062068 0.068073 0.074051 0.080598
26 0.057848 0.062671 0.068672 0.074648 0.081192 0.088300
27 0.063272 0.069271 0.075840 0.081785 0.088891 0.097733
28 0.069870 0.076435 0.082971 0.090073 0.098909 0.108289
29 0.077030 0.083565 0.090663 0.100083 0.109459 0.118211
30 0.084158 0.091843 0.100671 0.110628 0.118793 0.127510
31 0.092433 0.101845 0.111796 0.119957 0.128670 0.137353
32 0.103018 0.112380 0.121120 0.129829 0.139086 0.150614
33 0.113547 0.122284 0.130988 0.140241 0.151764 0.166679
34 0.123446 0.132147 0.141396 0.153489 0.168395 0.184374
35 0.133305 0.143126 0.154638 0.170110 0.186082 0.202552
36 0.143702 0.156360 0.171254 0.187789 0.204818 0.218391
37 0.157509 0.172968 0.189496 0.206518 0.220085 0.234174
38 0.174110 0.190633 0.206518 0.220085 0.234174 0.252147
39 0.192338 0.202552 0.218391 0.236424 0.252147 0.272851
40 0.204252 0.217826 0.231923 0.249904 0.270616 0.295147
41 0.217826 0.231923 0.248221 0.272851 0.290694 0.317917
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.041678 0.041678 0.043057 0.052345 0.058973 0.063272 0.069271
43 0.041678 0.041678 0.048153 0.058462 0.065352 0.069271 0.075243
44 0.041678 0.041678 0.053928 0.065210 0.072326 0.075840 0.081785
45 0.041678 0.046994 0.060374 0.072580 0.079890 0.082378 0.088891
46 0.041678 0.052334 0.068185 0.080564 0.087411 0.090073 0.097733
47 0.041678 0.058385 0.075932 0.089155 0.096760 0.099496 0.107119
48 0.042197 0.062892 0.080133 0.093757 0.102343 0.106534 0.114130
49 0.047056 0.066629 0.084319 0.099000 0.108526 0.111796 0.121120
50 0.051875 0.071833 0.089183 0.104223 0.112841 0.117628 0.129249
51 0.056658 0.077744 0.094718 0.107479 0.117147 0.124027 0.139663
52 0.062982 0.083621 0.098166 0.110729 0.121443 0.131567 0.150614
53 0.065340 0.086548 0.103664 0.117856 0.132451 0.146008 0.166679
54 0.065340 0.089466 0.109142 0.127530 0.144620 0.160377 0.183236
55 0.066908 0.093104 0.116640 0.137156 0.156729 0.174682 0.200285
56 0.066908 0.097454 0.124104 0.145462 0.168182 0.189496 0.218955
57 0.068474 0.101789 0.129512 0.154372 0.180788 0.205385 0.232485
58 0.070036 0.108983 0.143632 0.172725 0.199305 0.216697 0.248782
59 0.070816 0.116854 0.158983 0.192203 0.212979 0.235861 0.266145
60 0.071595 0.126811 0.175548 0.205947 0.234872 0.256630 0.282895
61 0.073151 0.136708 0.184774 0.229550 0.258995 0.277875 0.300709
62 0.074705 0.138821 0.203782 0.254839 0.284158 0.300152 0.323458
63 0.076256 0.152847 0.218117 0.267117 0.293488 0.312371 0.344475
64 0.088574 0.167466 0.233031 0.278745 0.306290 0.330102 0.363228
65 0.100750 0.183364 0.248521 0.294608 0.324857 0.345028 0.384683
66 0.115052 0.200522 0.268427 0.317090 0.341632 0.362126 0.406629
67 0.129946 0.221641 0.295229 0.338262 0.360664 0.392370 0.442720
68 0.153489 0.255379 0.332593 0.384552 0.411153 0.436715 0.479763
69 0.183220 0.290765 0.376541 0.436433 0.462438 0.489546 0.514507
70 0.201145 0.285446 0.403356 0.438809 0.466413 0.493348 0.548066
71 0.223897 0.306676 0.422609 0.451268 0.508329 0.538874 0.609534
72 0.254870 0.344216 0.446127 0.486750 0.555685 0.600386 0.685724
73 0.284141 0.380138 0.475096 0.530879 0.612344 0.669660 0.823263
74 0.316598 0.419675 0.511901 0.585873 0.688210 0.785516 0.942437
75 0.346050 0.457003 0.571630 0.659103 0.779131 0.907545 1.085729
76 0.380035 0.505567 0.650214 0.752552 0.891495 1.027873 1.240875
77 0.417128 0.580281 0.743084 0.877254 1.035907 1.177019 1.391699
78 0.467939 0.660515 0.857662 1.000384 1.181550 1.333839 1.532125
79 0.532796 0.753629 0.976526 1.146824 1.345263 1.487962 1.693390
80 0.608086 0.861818 1.112505 1.296732 1.482386 1.632777 1.878496
81 0.692935 0.984191 1.265927 1.425782 1.629160 1.804102 2.087343
82 0.787159 1.113906 1.400477 1.558677 1.790354 2.013146 2.348650
83 0.884911 1.249736 1.536565 1.719649 2.023769 2.268474 2.930725
84 1.026865 1.367993 1.681629 1.954390 2.369407 2.900509 3.516676
85 1.255510 1.532088 1.908418 2.270654 2.974466 3.561179 4.272839
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
42 0.075840 0.083565 0.095968 0.108874 0.123446 0.132725
43 0.082378 0.091843 0.105948 0.123446 0.133305 0.143702
44 0.090073 0.101845 0.117046 0.132725 0.143702 0.153489
45 0.099496 0.112964 0.126930 0.143126 0.154638 0.164961
46 0.109459 0.123446 0.137353 0.153489 0.165534 0.183804
47 0.118793 0.134462 0.148887 0.166679 0.184944 0.199150
48 0.126930 0.143126 0.160951 0.180956 0.199150 0.213872
49 0.135619 0.154638 0.174110 0.194042 0.212741 0.225162
50 0.146585 0.167251 0.186651 0.206518 0.226289 0.238111
51 0.158656 0.179816 0.198015 0.218955 0.239798 0.253268
52 0.170683 0.191201 0.209914 0.230796 0.248221 0.270058
53 0.188358 0.209348 0.228543 0.244292 0.270058 0.296260
54 0.206518 0.229107 0.243168 0.265585 0.293478 0.324012
55 0.226289 0.244292 0.265585 0.288467 0.317363 0.353306
56 0.241483 0.267821 0.289581 0.311816 0.342819 0.390174
57 0.265585 0.292921 0.314590 0.336739 0.374787 0.438352
58 0.280106 0.307930 0.330655 0.360473 0.407724 0.471603
59 0.295147 0.322904 0.351651 0.392919 0.439991 0.510170
60 0.309596 0.342819 0.380836 0.424145 0.478132 0.551308
61 0.328442 0.370386 0.408272 0.461258 0.519385 0.587999
62 0.354961 0.396760 0.441628 0.501492 0.556170 0.626738
63 0.376987 0.424145 0.472147 0.532381 0.595540 0.670195
64 0.402792 0.453084 0.498235 0.564810 0.635870 0.718340
65 0.429612 0.476500 0.524260 0.596617 0.680371 0.770609
66 0.451449 0.500406 0.549687 0.631036 0.727952 0.842905
67 0.473780 0.523718 0.576140 0.668052 0.794560 0.969892
68 0.517217 0.578836 0.657869 0.798816 0.968837 1.179115
69 0.565889 0.640701 0.764217 0.966198 1.188543 1.379717
70 0.618677 0.732222 0.912306 1.132457 1.344270 1.563275
71 0.700169 0.855106 1.073116 1.294174 1.530047 1.757564
72 0.832821 1.033663 1.226230 1.490561 1.736870 1.931661
73 0.976224 1.184353 1.413571 1.676300 1.917211 2.126479
74 1.140326 1.351570 1.585587 1.844408 2.089404 2.328097
75 1.305138 1.518101 1.739975 2.012115 2.290579 2.566836
76 1.466126 1.677337 1.896566 2.210361 2.509370 2.976300
77 1.627593 1.848024 2.087858 2.444181 2.903581 3.493657
78 1.814955 2.029640 2.316792 2.794979 3.405158 4.097811
79 2.010569 2.270016 2.683761 3.265998 3.989851 4.673828
80 2.220134 2.630437 3.103772 3.850700 4.613882 5.160522
81 2.502185 3.065894 3.651205 4.390583 5.034788 5.451770
82 2.957866 3.627165 4.216537 4.906040 5.318684 5.606545
83 3.460407 4.142331 4.783502 5.296082 5.649760 6.289896
84 4.201695 4.846046 5.331013 5.692983 6.343090 7.064797
85 4.921937 5.410140 5.735702 6.397334 7.131241 7.944674
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
42 0.142549 0.150614 0.163243 0.178676 0.193474 0.206518 0.220085
43 0.152339 0.164388 0.179816 0.194042 0.208216 0.220085 0.233611
44 0.163243 0.180956 0.195177 0.208216 0.222342 0.234736 0.252147
45 0.182666 0.196313 0.208216 0.221778 0.235861 0.253268 0.278432
46 0.198015 0.209914 0.224034 0.236986 0.254389 0.279548 0.297372
47 0.212176 0.225162 0.238111 0.255510 0.280664 0.299040 0.320688
48 0.225162 0.238111 0.256630 0.280664 0.300152 0.323458 0.349996
49 0.238673 0.257750 0.280664 0.301820 0.326781 0.353306 0.380836
50 0.256070 0.281222 0.302931 0.328442 0.354961 0.382484 0.424692
51 0.276759 0.305154 0.330102 0.356615 0.386330 0.428519 0.471603
52 0.298484 0.330655 0.358269 0.390174 0.432344 0.475956 0.519927
53 0.327889 0.359922 0.392370 0.436715 0.480307 0.524802 0.579914
54 0.359371 0.396211 0.441082 0.485199 0.527509 0.585305 0.626201
55 0.398406 0.443811 0.489546 0.532381 0.590154 0.632647 0.675017
56 0.440536 0.493891 0.537251 0.595001 0.638554 0.680907 0.731689
57 0.484656 0.542659 0.600924 0.643385 0.684118 0.737559 0.795624
58 0.545903 0.604692 0.647678 0.690540 0.742360 0.798816 0.839721
59 0.590154 0.652506 0.697494 0.745561 0.805196 0.843436 0.907545
60 0.629961 0.703377 0.753025 0.810511 0.847150 0.906487 1.006277
61 0.671803 0.756757 0.814231 0.846620 0.915479 0.999426 1.171780
62 0.714066 0.815294 0.854576 0.923940 1.003642 1.177019 1.360955
63 0.759421 0.863060 0.922882 1.007331 1.181734 1.359391 1.540433
64 0.808916 0.929755 1.011546 1.186972 1.365125 1.547183 1.737387
65 0.877898 1.016287 1.191685 1.370857 1.562237 1.754460 1.947655
66 0.966726 1.196398 1.376590 1.573654 1.771529 1.956425 2.120300
67 1.181210 1.382321 1.584031 1.779286 1.965194 2.140893 2.340944
68 1.380238 1.590775 1.796347 1.963130 2.150672 2.351220 2.622231
69 1.588700 1.804102 1.982212 2.159937 2.362009 2.647872 3.030059
70 1.788075 1.980149 2.162510 2.359954 2.645820 3.034667 3.522303
71 1.973445 2.167142 2.367660 2.666330 3.051560 3.542253 4.121862
72 2.157879 2.373310 2.655050 3.072036 3.558621 4.145401 4.706624
73 2.365091 2.658127 3.085857 3.578571 4.151541 4.703549 5.169249
74 2.620693 3.083298 3.590847 4.174571 4.750186 5.220590 5.512946
75 3.046953 3.614377 4.180200 4.787091 5.272456 5.544827 5.666224
76 3.584197 4.199136 4.814260 5.297110 5.582370 5.717172 6.146410
77 4.148983 4.799907 5.321252 5.608088 5.738275 6.182012 6.788962
78 4.732760 5.317143 5.640499 5.771222 6.211944 6.826262 7.403057
79 5.225211 5.648216 5.748571 6.228461 6.853208 7.477991 7.997444
80 5.539171 5.762985 6.237752 6.877566 7.554008 8.078470 8.662894
81 5.644614 6.253755 6.870311 7.630589 8.160595 8.751194
82 6.236719 6.934592 7.707737 8.243820 8.840613
83 6.999420 7.785972 8.327625 8.931152
84 7.864777 8.412535 9.022288
85 8.498030 9.114551
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
42 0.232485 0.249343 0.274526 0.292365 0.311816 0.341714
43 0.250465 0.275642 0.293478 0.312926 0.338398 0.372037
44 0.276759 0.295147 0.314590 0.341714 0.368185 0.408272
45 0.296260 0.317917 0.343371 0.369836 0.408272 0.449267
46 0.319026 0.345028 0.372037 0.412106 0.449267 0.497692
47 0.348340 0.375337 0.416485 0.453629 0.497692 0.551308
48 0.376987 0.420316 0.457990 0.502576 0.555090 0.603077
49 0.422504 0.462348 0.505832 0.560491 0.603077 0.658940
50 0.466704 0.510713 0.565350 0.606844 0.652506 0.718340
51 0.515049 0.570206 0.611148 0.657332 0.704446 0.784451
52 0.575061 0.616525 0.660549 0.711394 0.769544 0.858818
53 0.621902 0.664837 0.718340 0.776999 0.821138 0.957752
54 0.669660 0.723680 0.784451 0.824856 0.902254 1.085729
55 0.728486 0.788176 0.824325 0.901725 1.012072 1.243489
56 0.791900 0.832290 0.900667 1.011019 1.147143 1.420860
57 0.836006 0.900137 1.009965 1.146094 1.393783 1.617224
58 0.899078 1.008911 1.150814 1.393262 1.491601 1.814438
59 1.007857 1.156056 1.378675 1.501475 1.690802 1.991493
60 1.167064 1.377632 1.509269 1.702192 1.894500 2.168171
61 1.376590 1.519140 1.715134 1.913083 2.062618 2.368687
62 1.530566 1.722381 1.921857 2.082708 2.276185 2.653512
63 1.730143 1.930629 2.091978 2.275157 2.536567 3.035179
64 1.939400 2.101248 2.297261 2.548367 2.912800 3.538672
65 2.121845 2.308055 2.573505 2.938407 3.399531 4.132608
66 2.318334 2.590433 2.964011 3.429713 3.969386 4.713798
67 2.610436 2.987052 3.456315 4.000083 4.573411 5.204160
68 3.000877 3.482915 4.035386 4.594926 5.049154 5.498550
69 3.498773 4.067110 4.616956 5.047102 5.334095 5.621977
70 4.086042 4.638473 5.096877 5.370572 5.498550 6.022119
71 4.659993 5.126645 5.412709 5.508318 5.967995 6.470722
72 5.145123 5.449714 5.540198 6.009746 6.490367 6.970374
73 5.481585 5.595229 6.032946 6.542075 7.040407 7.527970
74 5.628151 6.074713 6.601561 7.111513 7.604016 8.151700
75 6.107205 6.661069 7.183173 7.681147 8.234395
76 6.724743 7.255909 7.758845 8.318194
77 7.329204 7.837633 8.403098
78 7.916991 8.488586
79 8.575183
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.077183 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.051232
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.052284 0.061719
12 0.041678 0.041678 0.041678 0.041678 0.055834 0.062764 0.069022
13 0.041678 0.041678 0.041678 0.059470 0.065648 0.070063 0.072143
14 0.041678 0.041678 0.063191 0.069660 0.075401 0.072143 0.074222
15 0.041678 0.066998 0.072586 0.078660 0.077562 0.074222 0.072143
16 0.070888 0.076723 0.083081 0.080903 0.079720 0.073182 0.070063
17 0.080944 0.087584 0.084243 0.083142 0.077562 0.071103 0.070063
18 0.071141 0.067534 0.065781 0.062240 0.057933 0.054554 0.052957
19 0.069221 0.066606 0.062200 0.060515 0.057103 0.052159 0.051359
20 0.067299 0.060093 0.059508 0.057923 0.055440 0.050559 0.049759
21 0.061510 0.056353 0.055908 0.054458 0.052942 0.049759 0.049759
22 0.056660 0.052599 0.051390 0.051853 0.052108 0.049759 0.049759
23 0.051785 0.048830 0.049578 0.050984 0.052108 0.049759 0.050559
24 0.045899 0.045993 0.047762 0.050984 0.052108 0.050559 0.050559
25 0.041949 0.043145 0.046853 0.050114 0.050440 0.049759 0.050559
26 0.041678 0.041678 0.045943 0.047498 0.047932 0.047355 0.049759
27 0.041678 0.041678 0.042292 0.044001 0.044580 0.044946 0.048958
28 0.041678 0.041678 0.043207 0.044876 0.044580 0.045749 0.050559
29 0.041678 0.041678 0.043207 0.044876 0.045418 0.047355 0.050559
30 0.041678 0.041678 0.043207 0.046625 0.047094 0.048157 0.051359
31 0.041678 0.041678 0.043207 0.046625 0.047932 0.048958 0.050559
32 0.041678 0.041678 0.044120 0.046625 0.047932 0.048958 0.050559
33 0.041678 0.042194 0.046853 0.050114 0.050440 0.051359 0.053755
34 0.041678 0.044096 0.049578 0.052723 0.052942 0.054554 0.057742
35 0.041678 0.045045 0.051390 0.055326 0.056271 0.057742 0.062514
36 0.041678 0.045993 0.054103 0.057923 0.058763 0.061719 0.064894
37 0.041678 0.047886 0.056808 0.061378 0.064560 0.065687 0.074388
38 0.041678 0.049774 0.058609 0.063962 0.067863 0.074388 0.080692
39 0.041678 0.051658 0.062200 0.068260 0.073629 0.079117 0.089334
40 0.041678 0.055416 0.066675 0.075965 0.080193 0.084624 0.097163
41 0.043927 0.061026 0.074690 0.083634 0.088370 0.095599 0.104972
42 0.046883 0.069387 0.083546 0.092963 0.098954 0.101070 0.111981
43 0.055687 0.074930 0.089716 0.102249 0.107063 0.111203 0.124406
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.047017
5 0.041678 0.041678 0.041678 0.041678 0.048072 0.057533
6 0.041678 0.041678 0.041678 0.048072 0.058581 0.063809
7 0.041678 0.041678 0.048072 0.058581 0.063809 0.066938
8 0.041678 0.049127 0.059627 0.064852 0.066938 0.071103
9 0.050180 0.059627 0.064852 0.067980 0.071103 0.070063
10 0.060674 0.065896 0.067980 0.071103 0.070063 0.069022
11 0.067980 0.069022 0.071103 0.071103 0.069022 0.069022
12 0.071103 0.073182 0.071103 0.069022 0.069022 0.069022
13 0.073182 0.071103 0.069022 0.069022 0.067980 0.071103
14 0.072143 0.069022 0.069022 0.067980 0.071103 0.073182
15 0.070063 0.069022 0.067980 0.071103 0.073182 0.079408
16 0.070063 0.069022 0.071103 0.072143 0.079408 0.084582
17 0.069022 0.071103 0.071103 0.078372 0.084582 0.087682
18 0.054554 0.054554 0.059335 0.063308 0.063308 0.064101
19 0.054554 0.059335 0.060925 0.061719 0.061719 0.060925
20 0.053755 0.058538 0.059335 0.059335 0.059335 0.059335
21 0.052957 0.055352 0.056149 0.056946 0.056946 0.057742
22 0.052957 0.054554 0.054554 0.055352 0.056149 0.055352
23 0.051359 0.051359 0.052957 0.052159 0.054554 0.055352
24 0.050559 0.051359 0.051359 0.052957 0.052957 0.056149
25 0.051359 0.051359 0.052159 0.052957 0.056149 0.056149
26 0.051359 0.052159 0.052159 0.053755 0.054554 0.055352
27 0.052159 0.051359 0.052957 0.052957 0.055352 0.057742
28 0.052159 0.052957 0.052159 0.055352 0.057742 0.058538
29 0.052957 0.052957 0.055352 0.056946 0.059335 0.063308
30 0.053755 0.056149 0.056946 0.059335 0.063308 0.068855
31 0.054554 0.057742 0.060129 0.063308 0.068855 0.073598
32 0.055352 0.059335 0.064101 0.068855 0.073598 0.081479
33 0.057742 0.063308 0.068063 0.073598 0.081479 0.090117
34 0.063308 0.068063 0.074388 0.081479 0.090901 0.101851
35 0.068063 0.075177 0.082266 0.090901 0.101070 0.111981
36 0.074388 0.080692 0.090117 0.100289 0.113537 0.122856
37 0.080692 0.089334 0.100289 0.113537 0.122080 0.134470
38 0.090117 0.101070 0.114314 0.123631 0.134470 0.148362
39 0.101070 0.115092 0.123631 0.134470 0.148362 0.165282
40 0.111981 0.125182 0.135243 0.147591 0.166817 0.185203
41 0.120529 0.136789 0.147591 0.164514 0.185967 0.209622
42 0.130602 0.149133 0.162210 0.185203 0.208099 0.240015
43 0.142194 0.162978 0.182908 0.205813 0.236981 0.285372
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.050180 0.045749 0.050559 0.052957
1 0.041678 0.041678 0.049127 0.056485 0.051359 0.052957 0.053755
2 0.041678 0.048072 0.056485 0.063809 0.053755 0.054554 0.053755
3 0.048072 0.056485 0.063809 0.065896 0.054554 0.054554 0.054554
4 0.057533 0.062764 0.065896 0.070063 0.055352 0.055352 0.055352
5 0.063809 0.066938 0.070063 0.069022 0.056149 0.056149 0.055352
6 0.066938 0.070063 0.069022 0.069022 0.052957 0.056149 0.057742
7 0.071103 0.069022 0.069022 0.069022 0.052957 0.058538 0.060129
8 0.070063 0.069022 0.069022 0.069022 0.056149 0.059335 0.064101
9 0.069022 0.069022 0.069022 0.073182 0.059335 0.064101 0.068063
10 0.069022 0.070063 0.072143 0.076297 0.064101 0.068063 0.070437
11 0.069022 0.071103 0.075259 0.082514 0.068063 0.070437 0.071228
12 0.071103 0.074222 0.081479 0.087682 0.070437 0.071228 0.071228
13 0.073182 0.080444 0.087682 0.091808 0.071228 0.071228 0.069647
14 0.080444 0.086649 0.090777 0.093869 0.071228 0.069647 0.071228
15 0.084582 0.090777 0.094899 0.092839 0.069647 0.070437 0.071228
16 0.088714 0.093869 0.092839 0.090777 0.069647 0.070437 0.068855
17 0.091808 0.091808 0.090777 0.089746 0.069647 0.067272 0.070437
18 0.066480 0.068063 0.068063 0.068063 0.066480 0.068855 0.070437
19 0.062514 0.064894 0.065687 0.064894 0.066480 0.067272 0.069647
20 0.059335 0.061719 0.062514 0.064101 0.064894 0.067272 0.068855
21 0.058538 0.060129 0.060925 0.062514 0.065687 0.067272 0.068855
22 0.057742 0.058538 0.060925 0.063308 0.065687 0.068855 0.069647
23 0.056946 0.057742 0.061719 0.064101 0.067272 0.068855 0.071228
24 0.056946 0.058538 0.062514 0.065687 0.068063 0.071228 0.075965
25 0.056149 0.059335 0.064101 0.067272 0.071228 0.075965 0.084624
26 0.057742 0.060925 0.066480 0.071228 0.075965 0.084624 0.092468
27 0.060129 0.064101 0.071228 0.075965 0.084624 0.092468 0.104972
28 0.064101 0.068855 0.075177 0.084624 0.092468 0.104972 0.115869
29 0.068855 0.073598 0.084624 0.092468 0.104972 0.115869 0.126731
30 0.073598 0.081479 0.092468 0.104972 0.115869 0.126731 0.141422
31 0.082266 0.090901 0.104972 0.115869 0.126731 0.141422 0.154523
32 0.090901 0.103411 0.115092 0.126731 0.139879 0.154523 0.166817
33 0.102631 0.114314 0.126731 0.138334 0.152983 0.166817 0.185967
34 0.112759 0.124406 0.138334 0.151443 0.166050 0.185967 0.209622
35 0.122856 0.136016 0.150673 0.166050 0.185967 0.210383 0.240773
36 0.134470 0.148362 0.166050 0.185967 0.210383 0.241530 0.274811
37 0.148362 0.164514 0.185203 0.211145 0.243047 0.276320 0.316229
38 0.165282 0.185203 0.212668 0.243804 0.278584 0.319234 0.355977
39 0.185967 0.212668 0.245320 0.281601 0.321487 0.358972 0.394095
40 0.211907 0.244562 0.283109 0.324491 0.361965 0.397080 0.432844
41 0.242289 0.285372 0.327494 0.364209 0.399318 0.435075 0.475940
42 0.285372 0.330496 0.367202 0.402301 0.438051 0.475940 0.518180
43 0.330496 0.370940 0.406030 0.440282 0.475940 0.518180 0.547023
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.052957 0.052957 0.052957 0.052957 0.052957 0.054554
1 0.053755 0.053755 0.053755 0.053755 0.054554 0.056946
2 0.054554 0.054554 0.053755 0.055352 0.057742 0.060925
3 0.054554 0.054554 0.056149 0.057742 0.061719 0.064894
4 0.055352 0.056149 0.058538 0.061719 0.065687 0.067272
5 0.056946 0.059335 0.062514 0.066480 0.067272 0.068063
6 0.059335 0.063308 0.066480 0.068063 0.068855 0.068063
7 0.064101 0.067272 0.068855 0.069647 0.068855 0.068063
8 0.068063 0.069647 0.070437 0.069647 0.068063 0.068063
9 0.070437 0.071228 0.070437 0.068855 0.068855 0.069647
10 0.071228 0.070437 0.069647 0.069647 0.070437 0.070437
11 0.070437 0.070437 0.070437 0.071228 0.071228 0.071228
12 0.069647 0.071228 0.072019 0.072019 0.071228 0.070437
13 0.071228 0.072809 0.072809 0.072019 0.071228 0.069647
14 0.072019 0.072019 0.072809 0.072019 0.070437 0.068855
15 0.070437 0.072809 0.072019 0.071228 0.069647 0.068855
16 0.071228 0.072019 0.072019 0.069647 0.069647 0.069647
17 0.072019 0.072019 0.070437 0.069647 0.070437 0.072809
18 0.072019 0.069647 0.070437 0.071228 0.073598 0.077542
19 0.069647 0.068855 0.072019 0.074388 0.078330 0.084624
20 0.068855 0.071228 0.072019 0.079117 0.085409 0.092468
21 0.070437 0.072019 0.078330 0.086194 0.093251 0.103411
22 0.071228 0.077542 0.084624 0.094817 0.104191 0.115092
23 0.076754 0.084624 0.093251 0.104972 0.115869 0.128280
24 0.084624 0.092468 0.104972 0.115869 0.129829 0.142194
25 0.092468 0.104972 0.115869 0.128280 0.143737 0.155292
26 0.104972 0.115869 0.127506 0.143737 0.156830 0.168352
27 0.115869 0.127506 0.142965 0.156830 0.170652 0.185967
28 0.127506 0.142194 0.155292 0.170652 0.188261 0.206575
29 0.142194 0.154523 0.168352 0.185967 0.208861 0.233947
30 0.154523 0.166817 0.185967 0.208861 0.236223 0.262725
31 0.166817 0.185967 0.208861 0.236223 0.265748 0.299684
32 0.185967 0.208861 0.238498 0.266504 0.302695 0.339496
33 0.208861 0.238498 0.268015 0.304951 0.342495 0.380655
34 0.239257 0.271036 0.307960 0.344743 0.380655 0.426889
35 0.272546 0.310968 0.346991 0.384390 0.426889 0.472229
36 0.313223 0.349987 0.387377 0.426889 0.472229 0.513739
37 0.352983 0.389617 0.424656 0.474456 0.508555 0.565490
38 0.391856 0.426889 0.472229 0.508555 0.548501 0.617107
39 0.429866 0.472229 0.510777 0.548501 0.586889 0.673013
40 0.474456 0.513739 0.548501 0.586151 0.639926 0.739058
41 0.515960 0.547763 0.586151 0.639190 0.709725 0.801293
42 0.547763 0.585414 0.632567 0.702386 0.754446 0.857565
43 0.584677 0.628151 0.694312 0.745653 0.815918 0.930515
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
44 0.063443 0.081367 0.098491 0.111495 0.115955 0.124406 0.136789
45 0.073057 0.090514 0.107228 0.121543 0.127232 0.137561 0.152213
46 0.086393 0.100517 0.115927 0.132384 0.145673 0.153753 0.170652
47 0.099603 0.109561 0.126324 0.144014 0.161631 0.172186 0.185967
48 0.102419 0.117666 0.136676 0.157253 0.177528 0.187497 0.205813
49 0.106167 0.126634 0.148703 0.172087 0.190994 0.206575 0.231670
50 0.108973 0.136458 0.162387 0.182764 0.207579 0.231670 0.262725
51 0.113640 0.148017 0.171762 0.196683 0.229611 0.261969 0.296673
52 0.116434 0.153335 0.184503 0.215445 0.256254 0.295166 0.337246
53 0.119224 0.163059 0.202267 0.239808 0.282010 0.326744 0.369445
54 0.123866 0.176265 0.224990 0.265673 0.313886 0.355977 0.389617
55 0.131271 0.193790 0.248435 0.298652 0.343319 0.372435 0.413483
56 0.142332 0.210356 0.278417 0.329074 0.359544 0.392603 0.430611
57 0.152424 0.234639 0.306586 0.346631 0.381134 0.405284 0.463321
58 0.185188 0.268235 0.327217 0.376865 0.404217 0.444745 0.507815
59 0.220289 0.288792 0.355992 0.399076 0.449473 0.489290 0.553673
60 0.247948 0.318630 0.377295 0.446497 0.489986 0.538154 0.598687
61 0.273654 0.341543 0.424611 0.488209 0.545595 0.583939 0.631831
62 0.298338 0.391330 0.465197 0.546203 0.596459 0.620789 0.644341
63 0.321149 0.413999 0.510454 0.590702 0.629780 0.645812 0.736126
64 0.340375 0.451633 0.548292 0.619514 0.639614 0.726595 0.790319
65 0.359537 0.480788 0.575587 0.621848 0.706803 0.796903 0.859026
66 0.376038 0.503216 0.572379 0.663021 0.761005 0.845150 0.991688
67 0.391630 0.498236 0.596420 0.697901 0.833085 0.990960 1.185610
68 0.414088 0.526419 0.636390 0.758972 0.894500 1.046963 1.240685
69 0.450219 0.571843 0.695339 0.820626 0.957281 1.108708 1.300058
70 0.489598 0.621185 0.754066 0.885180 1.026649 1.176184 1.356488
71 0.541538 0.679317 0.819698 0.956450 1.104066 1.244307 1.407819
72 0.599106 0.749397 0.893757 1.145638 1.276256 1.311637 1.581838
73 0.629454 0.902322 1.175223 1.283813 1.340672 1.554419 1.733969
74 0.687396 0.989941 1.288586 1.375417 1.534976 1.702980 1.836257
75 0.754237 1.084391 1.409309 1.543031 1.681642 1.801688 2.098933
76 0.825732 1.185631 1.546618 1.689095 1.847915 2.061528 2.683384
77 0.901848 1.300761 1.692741 1.855103 2.074122 2.606479 3.218322
78 0.989128 1.422567 1.858386 2.082916 2.677922 3.092448 3.457247
79 1.080915 1.560473 2.041940 2.515554 2.931166 3.319052 3.816743
80 1.185337 1.713586 2.234206 2.751948 3.193156 3.666829 4.240387
81 1.300651 1.874013 2.442058 2.995582 3.530602 4.080783 4.827332
82 1.421127 2.047212 2.657138 3.480287 4.062521 4.726584 5.329180
83 1.550777 2.507749 3.158430 3.995525 4.647623 5.223000 6.019198
84 2.026959 3.027820 3.698224 4.561966 5.215960 5.911005 6.768937
85 2.567482 3.590104 4.293793 5.181084 5.910572 6.576286 7.249026
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- --------- --------- ---------
44 0.156061 0.179082 0.201239 0.236981 0.277075 0.319985
45 0.172953 0.190553 0.221795 0.264993 0.310968 0.355977
46 0.185967 0.208861 0.245320 0.297426 0.347740 0.397080
47 0.204289 0.232429 0.273301 0.331246 0.390364 0.432100
48 0.230152 0.264237 0.307960 0.373931 0.428378 0.468518
49 0.261213 0.298932 0.348489 0.410502 0.468518 0.495220
50 0.295166 0.340995 0.389617 0.448461 0.485583 0.525580
51 0.336497 0.382896 0.423167 0.482616 0.518180 0.562537
52 0.376920 0.416464 0.455893 0.515960 0.553673 0.609741
53 0.403793 0.449948 0.490031 0.545545 0.606793 0.633303
54 0.432100 0.483358 0.535196 0.602372 0.631831 0.702386
55 0.458864 0.527060 0.596474 0.632567 0.697248 0.747852
56 0.495220 0.587627 0.634039 0.689906 0.742722 0.754446
57 0.547763 0.636248 0.678890 0.730994 0.741257 0.861216
58 0.585414 0.677421 0.723662 0.728061 0.848802 0.935615
59 0.629623 0.690641 0.721462 0.847341 0.907186 1.022243
60 0.653166 0.684767 0.758841 0.886033 0.990233 1.120322
61 0.657578 0.728061 0.789588 0.920310 1.100722 1.257344
62 0.726595 0.785929 0.896246 1.080387 1.236339 1.359381
63 0.788124 0.878735 1.028788 1.231268 1.336236 1.455507
64 0.872167 1.017151 1.209530 1.312360 1.429499 1.642423
65 1.004785 1.198659 1.287753 1.402759 1.614298 1.800248
66 1.187060 1.275446 1.375289 1.563078 1.769273 1.952880
67 1.261689 1.394809 1.532767 1.712349 1.891698 2.198897
68 1.413601 1.494506 1.655402 1.829056 2.206087 2.547542
69 1.475731 1.669821 1.764950 2.214715 2.508012 3.017661
70 1.534211 1.749820 1.964395 2.409539 2.832893 3.465166
71 1.595544 1.822574 2.073037 2.623728 3.342080 4.010050
72 1.762789 1.899617 2.185954 2.844394 3.988403 4.420379
73 1.869380 2.166538 2.568386 3.698533 4.228827 4.760643
74 2.133456 2.620135 3.559496 4.033144 4.602731 5.031205
75 2.672603 3.496126 3.880918 4.440631 4.914361 5.480589
76 3.383823 3.763397 4.275793 4.738903 5.355374 5.893468
77 3.638731 4.147931 4.615763 5.226635 5.888354 6.427234
78 3.959542 4.536134 5.095835 5.816775 6.387616 6.993611
79 4.392175 5.011603 5.676655 6.311351 6.989924 7.250504
80 4.922342 5.589884 6.232936 6.985500 7.244592 7.852996
81 5.498071 6.215355 6.902952 7.237202 7.847052 8.507497
82 6.083574 6.888955 7.228335 7.928080 8.501515 9.268594
83 6.871275 7.209864 7.920644 8.494786 9.314563 10.016571
84 7.187703 7.904286 8.487309 9.309288 10.121398 10.886758
85 8.069470 8.664653 9.303258 10.227099 10.998684 12.181326
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
44 0.366453 0.409011 0.442514 0.478165 0.517440 0.546284 0.583939
45 0.408266 0.444745 0.480391 0.517440 0.546284 0.583201 0.622998
46 0.438051 0.482616 0.516700 0.545545 0.582463 0.622261 0.653902
47 0.478165 0.513739 0.547763 0.581725 0.617843 0.648754 0.708991
48 0.503371 0.541849 0.580988 0.620052 0.650960 0.699450 0.777146
49 0.531498 0.575086 0.619316 0.653902 0.701652 0.775682 0.871437
50 0.565490 0.612687 0.656108 0.704588 0.774218 0.860486 0.958199
51 0.608266 0.640662 0.711192 0.772753 0.849532 0.945816 1.009878
52 0.630359 0.695780 0.770557 0.837844 0.934158 1.007695 1.104353
53 0.700185 0.747119 0.826152 0.921039 1.005513 1.102174 1.225472
54 0.747119 0.799829 0.907915 1.003330 1.099996 1.222574 1.339130
55 0.767629 0.888221 1.000420 1.097091 1.220400 1.320320 1.450450
56 0.875086 0.978586 1.100722 1.217501 1.317426 1.446839 1.566686
57 0.951644 1.083293 1.199383 1.313808 1.443948 1.563078 1.731086
58 1.052777 1.172558 1.310913 1.422273 1.559470 1.726762 1.969432
59 1.139192 1.281962 1.400591 1.555141 1.722438 1.965834 2.190987
60 1.277618 1.386856 1.540707 1.718115 1.938486 2.162222 2.401633
61 1.364443 1.525550 1.713790 1.911134 2.157908 2.398038 2.673322
62 1.480786 1.696493 1.894577 2.153593 2.393725 2.669009 3.060087
63 1.669821 1.883059 2.122668 2.389413 2.664697 3.073750 3.468046
64 1.829776 2.096775 2.384381 2.660384 3.087414 3.484606 3.919145
65 2.012606 2.355628 2.670446 3.101078 3.500446 3.938622 4.317711
66 2.292366 2.655353 3.114743 3.517008 3.957378 4.356747 4.699777
67 2.586354 3.097482 3.533571 3.976858 4.396514 4.742526 5.127071
68 3.057929 3.549414 3.995618 4.436291 4.785286 5.173575 5.525026
69 3.507647 4.015102 4.476076 4.828782 5.220819 5.575307 5.946815
70 4.012937 4.516595 4.872291 5.268080 5.626335 6.001647 6.387616
71 4.468842 4.916538 5.316085 5.677384 6.056503 6.446313 6.832244
72 4.865039 5.364106 5.729182 6.111383 6.505041 6.902215 7.317778
73 5.144508 5.722615 6.092354 6.472003 6.930216 7.347361 7.790591
74 5.603006 6.027975 6.470535 6.965595 7.346621 7.789849 8.175264
75 5.961434 6.468333 7.000248 7.345142 7.788363 8.259529 8.900090
76 6.465396 6.998773 7.342923 7.786135 8.257290 8.992465 9.515273
77 6.996561 7.339225 7.782422 8.342368 9.039060 9.614269 10.152564
78 7.335526 7.778709 8.338635 9.036805 9.612000 10.249928 11.316790
79 7.858199 8.424526 9.130810 9.711851 10.347391 11.436168 12.266828
80 8.420043 9.176717 9.813319 10.453342 11.556471 12.396792 13.336200
81 9.222644 9.915650 10.560175 11.678476 12.528501 13.478753
82 9.966477 10.667891 11.802189 12.661965 13.623902
83 10.776496 11.927618 12.797190 13.770080
84 12.053996 12.933402 13.917292
85 13.071390 14.067130
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
44 0.624470 0.678890 0.736859 0.798367 0.885303 1.022970
45 0.662724 0.736126 0.788856 0.875086 0.972763 1.141368
46 0.718528 0.779342 0.874357 0.972035 1.062951 1.263861
47 0.777878 0.873627 0.971306 1.028060 1.151525 1.385411
48 0.872897 0.980771 1.014969 1.137740 1.262413 1.514000
49 0.969851 1.013515 1.123226 1.260965 1.364443 1.659007
50 1.011333 1.108708 1.259516 1.362997 1.495228 1.825455
51 1.106530 1.243583 1.353595 1.493784 1.627280 2.005411
52 1.227645 1.344193 1.475008 1.607085 1.787282 2.176605
53 1.341300 1.455507 1.586166 1.764950 1.982385 2.393725
54 1.453340 1.583280 1.741895 2.001813 2.227658 2.625165
55 1.579673 1.738292 1.999654 2.226220 2.416728 2.888965
56 1.734689 1.997496 2.224064 2.413852 2.658947 3.181634
57 1.994618 2.221188 2.411696 2.656791 2.991775 3.455087
58 2.219030 2.408821 2.682665 3.005436 3.386702 3.785743
59 2.405227 2.679790 3.019098 3.402537 3.785743 4.128433
60 2.676915 3.032761 3.419093 3.823952 4.128433 4.493440
61 3.046423 3.435650 3.862169 4.165262 4.493440 4.851260
62 3.451488 3.880918 4.203543 4.533964 4.895501 5.227363
63 3.900392 4.241110 4.574496 4.944833 5.274626 5.619774
64 4.279406 4.615763 4.989828 5.328453 5.671550 6.029438
65 4.657765 5.034835 5.376477 5.729182 6.084305 6.454387
66 5.080583 5.425248 5.786841 6.146518 6.507243 6.911793
67 5.474763 5.840144 6.202903 6.573347 6.975179 7.482088
68 5.893468 6.265908 6.634342 7.039337 7.478364 7.930311
69 6.323081 6.701988 7.111651 7.548000 8.012147 8.497776
70 6.763050 7.176624 7.625095 8.085854 8.585297 9.130058
71 7.250504 7.695567 8.161102 8.656415 9.224904 9.836807
72 7.774996 8.245355 8.737325 9.301750 9.939164 10.627388
73 8.176755 8.800300 9.320594 9.775445 10.739005 11.515580
74 8.873070 9.417885 9.868640 10.852287 11.636759 12.513684
75 9.516028 9.962683 10.966472 11.759644 12.647126
76 10.056817 11.081564 11.884240 12.781547
77 11.198334 12.010558 12.917736
78 12.137827 13.055699
79 13.195447
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.075314 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
31 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
32 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
33 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
34 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.044286
35 0.041678 0.041678 0.041678 0.041678 0.041678 0.042558 0.048594
36 0.041678 0.041678 0.041678 0.041678 0.044203 0.047733 0.053739
37 0.041678 0.041678 0.041678 0.044794 0.049659 0.052883 0.058863
38 0.041678 0.041678 0.041678 0.048630 0.055084 0.058863 0.064813
39 0.041678 0.041678 0.043169 0.053398 0.060480 0.063965 0.070739
40 0.041678 0.041678 0.048219 0.058141 0.065851 0.070739 0.078325
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041692
27 0.041678 0.041678 0.041678 0.041678 0.041692 0.044286
28 0.041678 0.041678 0.041678 0.041692 0.044286 0.047733
29 0.041678 0.041678 0.042558 0.044286 0.047733 0.051170
30 0.041678 0.042558 0.045149 0.047733 0.052027 0.057157
31 0.041692 0.045149 0.048594 0.052027 0.058010 0.063116
32 0.044286 0.048594 0.052027 0.058010 0.063965 0.069893
33 0.046873 0.052883 0.058863 0.063965 0.070739 0.077483
34 0.050311 0.058010 0.063965 0.070739 0.077483 0.085876
35 0.055449 0.063116 0.069893 0.076642 0.085876 0.094232
36 0.061416 0.069893 0.075800 0.085039 0.094232 0.104214
37 0.067355 0.076642 0.084201 0.092563 0.103384 0.114979
38 0.073272 0.084201 0.092563 0.103384 0.114152 0.125698
39 0.080845 0.090894 0.101723 0.114979 0.125698 0.138015
40 0.088387 0.099229 0.111672 0.126521 0.139654 0.153547
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931 P4932
Female Preferred Non-nicotine
Issuse Age 14 15 16 17 18 19 20
---------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.042307 0.044501 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.045597 0.046691 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.046691 0.044501 0.041678 0.041678 0.041678
14 0.041678 0.044501 0.044501 0.043405 0.041678 0.041678 0.041678
15 0.044501 0.042307 0.043405 0.043405 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.043405 0.044501 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.045597 0.046691 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041692 0.043422
20 0.041678 0.041678 0.041678 0.041678 0.041692 0.043422 0.044286
21 0.041678 0.041678 0.041678 0.041692 0.043422 0.045149 0.046873
22 0.041678 0.041678 0.041678 0.041678 0.043422 0.046873 0.050311
23 0.041678 0.041678 0.041678 0.043422 0.046873 0.051170 0.054594
24 0.041678 0.041692 0.043422 0.046873 0.050311 0.055449 0.060566
25 0.041692 0.043422 0.046873 0.051170 0.055449 0.060566 0.065661
26 0.043422 0.046873 0.051170 0.056303 0.060566 0.066509 0.072427
27 0.046873 0.052027 0.056303 0.061416 0.067355 0.073272 0.080006
28 0.051170 0.057157 0.062266 0.067355 0.074115 0.080845 0.088387
29 0.057157 0.062266 0.068202 0.074115 0.081685 0.089223 0.097564
30 0.063116 0.069048 0.074957 0.082524 0.090059 0.098396 0.107532
31 0.069893 0.075800 0.083363 0.090894 0.099229 0.108360 0.118282
32 0.076642 0.084201 0.091729 0.100892 0.109188 0.119107 0.129809
33 0.085039 0.092563 0.101723 0.110844 0.119932 0.130632 0.143747
34 0.093398 0.102553 0.111672 0.120756 0.132274 0.145381 0.159251
35 0.103384 0.112499 0.122405 0.133095 0.147016 0.160879 0.173066
36 0.113326 0.123229 0.134736 0.147834 0.162506 0.174688 0.186832
37 0.124875 0.135556 0.149467 0.164132 0.176309 0.188448 0.201358
38 0.137196 0.151099 0.165758 0.177930 0.190872 0.202969 0.219853
39 0.151916 0.167384 0.179549 0.192486 0.204580 0.221458 0.243076
40 0.169008 0.181169 0.194101 0.206190 0.223062 0.244675 0.269386
Issuse Age 21 22 23 24 25 Ultimate
---------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041692
15 0.041678 0.041678 0.041678 0.041692 0.042558 0.044286
16 0.041678 0.041678 0.041692 0.042558 0.044286 0.047733
17 0.041678 0.042558 0.043422 0.045149 0.047733 0.052027
18 0.042558 0.043422 0.045149 0.048594 0.052027 0.057157
19 0.044286 0.046011 0.048594 0.052883 0.057157 0.062266
20 0.046011 0.049453 0.053739 0.058010 0.063116 0.068202
21 0.049453 0.053739 0.058863 0.063116 0.069048 0.075800
22 0.054594 0.058863 0.063965 0.069893 0.076642 0.083363
23 0.059714 0.064813 0.070739 0.077483 0.084201 0.092563
24 0.065661 0.070739 0.078325 0.085039 0.093398 0.101723
25 0.071583 0.079165 0.085876 0.094232 0.102553 0.111672
26 0.080006 0.086714 0.095065 0.103384 0.112499 0.122405
27 0.087551 0.095899 0.105043 0.113326 0.123229 0.135556
28 0.096732 0.105874 0.114979 0.124875 0.137196 0.150283
29 0.106702 0.115805 0.125698 0.138835 0.151916 0.164132
30 0.116631 0.127344 0.139654 0.153547 0.164946 0.177120
31 0.128166 0.141291 0.155177 0.166571 0.178740 0.190872
32 0.142929 0.155992 0.168195 0.180360 0.193294 0.209408
33 0.157622 0.169820 0.181978 0.194908 0.211017 0.231878
34 0.171443 0.183597 0.196522 0.213428 0.234280 0.256644
35 0.185214 0.198940 0.215035 0.236680 0.259036 0.282101
36 0.199747 0.217445 0.238279 0.261425 0.285276 0.304294
37 0.219051 0.240679 0.263814 0.287656 0.306668 0.326418
38 0.242277 0.265407 0.287656 0.306668 0.326418 0.351626
39 0.267795 0.282101 0.304294 0.329573 0.351626 0.380677
40 0.284482 0.303503 0.323262 0.348479 0.377541 0.411980
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
41 0.041678 0.041678 0.053235 0.064744 0.072975 0.079165 0.086714
42 0.041678 0.045398 0.058221 0.071306 0.080947 0.087551 0.095899
43 0.041678 0.050684 0.065154 0.079691 0.089756 0.095899 0.104214
44 0.041678 0.055931 0.073020 0.088947 0.099393 0.105043 0.113326
45 0.041678 0.063220 0.081803 0.099063 0.109850 0.114152 0.123229
46 0.046517 0.070450 0.092455 0.110029 0.120256 0.124875 0.135556
47 0.050945 0.078649 0.103026 0.121836 0.133196 0.138015 0.148650
48 0.056441 0.084758 0.108763 0.128165 0.140928 0.147834 0.158436
49 0.062982 0.089825 0.114479 0.135376 0.149493 0.155177 0.168195
50 0.069472 0.096885 0.121124 0.142564 0.155474 0.163319 0.179549
51 0.075917 0.104909 0.128691 0.147045 0.161442 0.172254 0.194101
52 0.084446 0.112890 0.133405 0.151519 0.167399 0.182788 0.209408
53 0.087627 0.116865 0.140924 0.161333 0.182667 0.202969 0.231878
54 0.087627 0.120832 0.148418 0.174661 0.199554 0.223062 0.255050
55 0.089743 0.125775 0.158681 0.187929 0.216367 0.243076 0.278924
56 0.089743 0.131690 0.168902 0.199383 0.232278 0.263814 0.305086
57 0.091856 0.137586 0.176309 0.211675 0.249798 0.286070 0.324051
58 0.093964 0.147374 0.195660 0.237009 0.275550 0.301920 0.346905
59 0.095017 0.158086 0.216713 0.263916 0.294575 0.328785 0.371265
60 0.096068 0.171646 0.239446 0.282914 0.325054 0.357915 0.394776
61 0.098170 0.185132 0.252116 0.315560 0.358662 0.387730 0.419791
62 0.100268 0.188012 0.278231 0.350566 0.393742 0.419010 0.451751
63 0.102362 0.207137 0.297937 0.367569 0.406755 0.436172 0.481291
64 0.119008 0.227084 0.318450 0.383681 0.424615 0.461088 0.507660
65 0.135476 0.248789 0.339764 0.405667 0.450527 0.482068 0.537839
66 0.154837 0.272232 0.367171 0.436840 0.473949 0.506110 0.568723
67 0.175018 0.301105 0.404098 0.466215 0.500533 0.548656 0.619540
68 0.206949 0.347275 0.455619 0.530487 0.571106 0.611082 0.671731
69 0.247322 0.395751 0.516279 0.602600 0.642862 0.685521 0.720713
70 0.271689 0.388462 0.553321 0.605904 0.648428 0.690880 0.768047
71 0.302639 0.417564 0.579930 0.623233 0.707130 0.755080 0.854812
72 0.344811 0.469063 0.612448 0.672607 0.773500 0.841894 0.962463
73 0.384702 0.518387 0.652523 0.734058 0.852974 0.939755 1.157065
74 0.428975 0.572721 0.703469 0.810703 0.959494 1.103624 1.325949
75 0.469180 0.624061 0.786219 0.912869 1.087301 1.276479 1.529310
76 0.515610 0.690910 0.895218 1.043404 1.245463 1.447161 1.749842
77 0.566327 0.793872 1.024203 1.217855 1.449047 1.659032 1.964561
78 0.635864 0.904587 1.183572 1.390380 1.654708 1.882151 2.164756
79 0.724726 1.033246 1.349157 1.595896 1.886263 2.101767 2.394981
80 0.828011 1.182954 1.538881 1.806623 2.080505 2.308409 2.659651
81 0.944565 1.352548 1.753301 1.988302 2.288707 2.553227 2.958781
82 1.074173 1.532601 1.941641 2.175641 2.517692 2.852448 3.333790
83 1.208817 1.721435 2.132402 2.402885 2.849868 3.218638 4.172013
84 1.404655 1.886070 2.336034 2.734887 3.342996 4.128404 5.019703
85 1.720804 2.114867 2.654962 3.183308 4.209679 5.084241 6.119254
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- --------- ---------
41 0.095899 0.107532 0.121580 0.140473 0.154362 0.169820
42 0.105043 0.115805 0.133095 0.151099 0.171443 0.184406
43 0.114152 0.127344 0.147016 0.171443 0.185214 0.199747
44 0.124875 0.141291 0.162506 0.184406 0.199747 0.213428
45 0.138015 0.156807 0.176309 0.198940 0.215035 0.229475
46 0.151916 0.171443 0.190872 0.213428 0.230276 0.255847
47 0.164946 0.186832 0.206995 0.231878 0.257441 0.277336
48 0.176309 0.198940 0.223865 0.251859 0.277336 0.297960
49 0.188448 0.215035 0.242277 0.270181 0.296376 0.313784
50 0.203775 0.232679 0.259832 0.287656 0.315365 0.331939
51 0.220656 0.250263 0.275747 0.305086 0.334304 0.353199
52 0.237480 0.266203 0.292414 0.321683 0.346118 0.376757
53 0.262222 0.291621 0.318524 0.340607 0.376757 0.413543
54 0.287656 0.319314 0.339032 0.370481 0.409636 0.452530
55 0.315365 0.340607 0.370481 0.402600 0.443186 0.493707
56 0.336668 0.373619 0.404164 0.435393 0.478962 0.545566
57 0.370481 0.408854 0.439290 0.470417 0.523919 0.613389
58 0.390862 0.429935 0.461865 0.503786 0.570266 0.660232
59 0.411980 0.450973 0.491380 0.549429 0.615696 0.714597
60 0.432275 0.478962 0.532427 0.593382 0.669432 0.772622
61 0.458754 0.517727 0.571036 0.645656 0.727591 0.824406
62 0.496033 0.554833 0.618003 0.702360 0.779483 0.879110
63 0.527013 0.593382 0.661000 0.745921 0.835052 0.940512
64 0.563323 0.634139 0.697769 0.791674 0.892009 1.008579
65 0.601081 0.667132 0.734467 0.836573 0.954896 1.082526
66 0.631836 0.700830 0.770335 0.885180 1.022174 1.184885
67 0.663299 0.733703 0.807665 0.937484 1.116427 1.364888
68 0.724535 0.811471 0.923092 1.122451 1.363391 1.662011
69 0.793198 0.898835 1.073480 1.359649 1.675416 1.947490
70 0.867724 1.028214 1.283228 1.595694 1.897005 2.209199
71 0.982883 1.202168 1.511396 1.825684 2.161792 2.486690
72 1.170602 1.455382 1.729010 2.105474 2.457111 2.735748
73 1.373870 1.669458 1.995725 2.370568 2.715063 3.014893
74 1.606876 1.907401 2.241042 2.610879 2.961734 3.304264
75 1.841290 2.144750 2.461548 2.850971 3.250379 3.647532
76 2.070632 2.372048 2.685511 3.135225 3.564843 4.237807
77 2.301007 2.616052 2.959519 3.471089 4.132838 4.986330
78 2.568751 2.876080 3.288025 3.976182 4.858075 5.864185
79 2.848755 3.220853 3.815894 4.656579 5.707021 6.704879
80 3.149250 3.739092 4.421958 5.504639 6.617219 7.418021
81 3.554508 4.367219 5.214864 6.291032 7.233539 7.846011
82 4.211192 5.179973 6.037169 7.044812 7.650325 8.073829
83 4.938132 5.929031 6.865358 7.617113 8.137484 9.082790
84 6.015536 6.956932 7.668446 8.201173 9.161543 10.233097
85 7.068106 7.784779 8.264138 9.241884 10.332038 11.547261
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
41 0.182788 0.195715 0.207800 0.225468 0.247070 0.269386 0.284482
42 0.198134 0.209408 0.227071 0.248667 0.269386 0.287656 0.306668
43 0.211821 0.228674 0.250263 0.270181 0.290035 0.306668 0.325629
44 0.227071 0.251859 0.271772 0.290035 0.309831 0.327207 0.351626
45 0.254252 0.273362 0.290035 0.309041 0.328785 0.353199 0.388513
46 0.275747 0.292414 0.312203 0.330362 0.354771 0.390079 0.415105
47 0.295584 0.313784 0.331939 0.356343 0.391645 0.417448 0.447859
48 0.313784 0.331939 0.357915 0.391645 0.419010 0.451751 0.489053
49 0.332728 0.359487 0.391645 0.421352 0.456420 0.493707 0.532427
50 0.357129 0.392427 0.422913 0.458754 0.496033 0.534747 0.594152
51 0.386163 0.426034 0.461088 0.498360 0.540158 0.599542 0.660232
52 0.416667 0.461865 0.500686 0.545566 0.604929 0.666367 0.728355
53 0.457976 0.503011 0.548656 0.611082 0.672498 0.735231 0.812993
54 0.502236 0.554062 0.617234 0.679393 0.739049 0.820602 0.878351
55 0.557149 0.621078 0.685521 0.745921 0.827448 0.887457 0.947326
56 0.616466 0.691646 0.752790 0.834292 0.895801 0.955652 1.027459
57 0.678627 0.760420 0.842654 0.902626 0.960193 1.035763 1.117933
58 0.764997 0.847974 0.908692 0.969271 1.042556 1.122451 1.180375
59 0.827448 0.915513 0.979103 1.047083 1.131484 1.185637 1.276479
60 0.883663 0.987420 1.057644 1.139010 1.190898 1.274979 1.416512
61 0.942784 1.062924 1.144276 1.190146 1.287727 1.406789 1.651584
62 1.002535 1.145781 1.201417 1.299722 1.412772 1.659032 1.920766
63 1.066694 1.213436 1.298222 1.418006 1.665734 1.918538 2.176608
64 1.136752 1.307966 1.423988 1.673182 1.926706 2.186238 2.457850
65 1.234461 1.430717 1.679883 1.934871 2.207718 2.482253 2.758648
66 1.360397 1.686584 1.943037 2.224010 2.506653 2.771205 3.006033
67 1.664990 1.951201 2.238821 2.517743 2.783762 3.035565 3.322718
68 1.948233 2.248446 2.542139 2.780807 3.049591 3.337481 3.727276
69 2.245485 2.553227 2.808136 3.062880 3.352982 3.764199 4.315447
70 2.530312 2.805181 3.066571 3.350030 3.761245 4.322103 5.027861
71 2.795580 3.073215 3.361101 3.790784 4.346509 5.056791 5.899213
72 3.059926 3.369222 3.774537 4.376095 5.080531 5.933505 6.752853
73 3.357411 3.778968 4.396066 5.109468 5.942452 6.748355 7.430832
74 3.725061 4.392368 5.127277 5.976006 6.816595 7.506216 7.936027
75 4.339853 5.161417 5.984209 6.870611 7.582400 7.982953 8.161742
76 5.117630 6.011806 6.910387 7.618623 8.038228 8.236824 8.870512
77 5.938724 6.889372 7.654101 8.076102 8.267932 8.923162 9.822876
78 6.791095 7.648061 8.123840 8.316508 8.967437 9.878301 10.737299
79 7.513003 8.135210 8.283110 8.991872 9.918348 10.849165 11.626350
80 7.974626 8.304362 9.005621 9.954557 10.962712 11.747849 12.626374
81 8.129904 9.029301 9.943771 11.077166 11.871070 12.759444
82 9.004092 10.039352 11.192532 11.996019 12.894289
83 10.135793 11.309593 12.121917 13.030917
84 11.427573 12.249557 13.168539
85 12.378156 13.307958
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
41 0.303503 0.323262 0.346118 0.380677 0.405728 0.443964
42 0.324051 0.347692 0.383029 0.408073 0.435393 0.477409
43 0.349266 0.384596 0.409636 0.436952 0.472748 0.520050
44 0.386163 0.411980 0.439290 0.477409 0.514631 0.571036
45 0.413543 0.443964 0.479738 0.516953 0.571036 0.628762
46 0.445523 0.482068 0.520050 0.576433 0.628762 0.697003
47 0.486725 0.524693 0.582599 0.634907 0.697003 0.772622
48 0.527013 0.587992 0.641051 0.703890 0.777959 0.845694
49 0.591073 0.647191 0.708479 0.785579 0.845694 0.924606
50 0.653329 0.715362 0.792436 0.851013 0.915513 1.008579
51 0.721477 0.799291 0.857091 0.922333 0.988932 1.102117
52 0.806142 0.864686 0.926879 0.998757 1.081019 1.207427
53 0.872279 0.932940 1.008579 1.091570 1.154057 1.347669
54 0.939755 1.016133 1.102117 1.159322 1.268979 1.529310
55 1.022929 1.107390 1.158570 1.268229 1.424736 1.753561
56 1.112662 1.169850 1.266729 1.423240 1.616565 2.006112
57 1.175113 1.265978 1.421745 1.615075 1.967529 2.286203
58 1.264478 1.420250 1.621782 1.966787 2.106956 2.568012
59 1.418754 1.629233 1.946006 2.121038 2.391282 2.821430
60 1.644879 1.944521 2.132154 2.407557 2.682556 3.074692
61 1.943037 2.146233 2.426049 2.709153 2.923339 3.362578
62 2.162532 2.436403 2.721712 2.952135 3.229711 3.772321
63 2.447497 2.734271 2.965425 3.228235 3.603972 4.322842
64 2.746829 2.978716 3.259975 3.620953 4.146143 5.051598
65 3.008248 3.275476 3.657131 4.183101 4.849923 5.914867
66 3.290240 3.681496 4.220063 4.893653 5.677243 6.763349
67 3.710293 4.253333 4.932201 5.721911 6.558061 7.482088
68 4.273297 4.970757 5.773294 6.589509 7.254609 7.914841
69 4.993745 5.819478 6.621713 7.251599 7.672976 8.096559
70 5.847046 6.653175 7.324618 7.726599 7.914841 8.686813
71 6.684644 7.368297 7.788557 7.929217 8.606872 9.350629
72 7.395417 7.842988 7.976140 8.668536 9.379749 10.092577
73 7.889876 8.057163 8.702809 9.456416 10.196791 10.923811
74 8.105652 8.764524 9.544651 10.302654 11.037443 11.857719
75 8.812550 9.632959 10.409401 11.152762 11.981866
76 9.727491 10.517809 11.268996 12.107745
77 10.627107 11.386928 12.235366
78 11.505784 12.363946
79 12.494279
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.077183 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.051232
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.052284 0.061719
12 0.041678 0.041678 0.041678 0.041678 0.055834 0.062764 0.069022
13 0.041678 0.041678 0.041678 0.059470 0.065648 0.070063 0.072143
14 0.041678 0.041678 0.063191 0.069660 0.075401 0.072143 0.074222
15 0.041678 0.066998 0.072586 0.078660 0.077562 0.074222 0.072143
16 0.070888 0.076723 0.083081 0.080903 0.079720 0.073182 0.070063
17 0.080944 0.087584 0.084243 0.083142 0.077562 0.071103 0.070063
18 0.092168 0.087584 0.085404 0.080903 0.075401 0.071103 0.069022
19 0.089681 0.086381 0.080755 0.078660 0.074320 0.067980 0.066938
20 0.087190 0.077934 0.077260 0.075291 0.072156 0.065896 0.064852
21 0.079691 0.073085 0.072586 0.070788 0.068905 0.064852 0.064852
22 0.073410 0.068217 0.066722 0.067402 0.067820 0.064852 0.064852
23 0.067096 0.063330 0.064369 0.066272 0.067820 0.064852 0.065896
24 0.059470 0.059651 0.062012 0.066272 0.067820 0.065896 0.065896
25 0.054354 0.055959 0.060832 0.065140 0.065648 0.064852 0.065896
26 0.047917 0.053489 0.059650 0.061741 0.062384 0.061719 0.064852
27 0.042730 0.051014 0.054911 0.057195 0.058020 0.058581 0.063809
28 0.045328 0.052253 0.056097 0.058333 0.058020 0.059627 0.065896
29 0.045328 0.052253 0.056097 0.058333 0.059113 0.061719 0.065896
30 0.045328 0.052253 0.056097 0.060606 0.061294 0.062764 0.066938
31 0.045328 0.051014 0.056097 0.060606 0.062384 0.063809 0.065896
32 0.044030 0.051014 0.057283 0.060606 0.062384 0.063809 0.065896
33 0.045328 0.054724 0.060832 0.065140 0.065648 0.066938 0.070063
34 0.046624 0.057190 0.064369 0.068531 0.068905 0.071103 0.075259
35 0.046624 0.058421 0.066722 0.071914 0.073239 0.075259 0.081479
36 0.046624 0.059651 0.070243 0.075291 0.076482 0.080444 0.084582
37 0.046624 0.062105 0.073755 0.079781 0.084028 0.085616 0.096958
38 0.049208 0.064554 0.076093 0.083142 0.088327 0.096958 0.105177
39 0.050498 0.066998 0.080755 0.088728 0.095830 0.103124 0.116441
40 0.053071 0.071869 0.086564 0.098743 0.104377 0.110302 0.126650
41 0.056916 0.079144 0.096970 0.108712 0.115020 0.124611 0.136830
42 0.060746 0.089986 0.108466 0.120838 0.128797 0.131743 0.145969
43 0.072150 0.097173 0.116476 0.132910 0.139354 0.144955 0.162170
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.047017
5 0.041678 0.041678 0.041678 0.041678 0.048072 0.057533
6 0.041678 0.041678 0.041678 0.048072 0.058581 0.063809
7 0.041678 0.041678 0.048072 0.058581 0.063809 0.066938
8 0.041678 0.049127 0.059627 0.064852 0.066938 0.071103
9 0.050180 0.059627 0.064852 0.067980 0.071103 0.070063
10 0.060674 0.065896 0.067980 0.071103 0.070063 0.069022
11 0.067980 0.069022 0.071103 0.071103 0.069022 0.069022
12 0.071103 0.073182 0.071103 0.069022 0.069022 0.069022
13 0.073182 0.071103 0.069022 0.069022 0.067980 0.071103
14 0.072143 0.069022 0.069022 0.067980 0.071103 0.073182
15 0.070063 0.069022 0.067980 0.071103 0.073182 0.079408
16 0.070063 0.069022 0.071103 0.072143 0.079408 0.084582
17 0.069022 0.071103 0.071103 0.078372 0.084582 0.087682
18 0.071103 0.071103 0.077335 0.082514 0.082514 0.083549
19 0.071103 0.077335 0.079408 0.080444 0.080444 0.079408
20 0.070063 0.076297 0.077335 0.077335 0.077335 0.077335
21 0.069022 0.072143 0.073182 0.074222 0.074222 0.075259
22 0.069022 0.071103 0.071103 0.072143 0.073182 0.072143
23 0.066938 0.066938 0.069022 0.067980 0.071103 0.072143
24 0.065896 0.066938 0.066938 0.069022 0.069022 0.073182
25 0.066938 0.066938 0.067980 0.069022 0.073182 0.073182
26 0.066938 0.067980 0.067980 0.070063 0.071103 0.072143
27 0.067980 0.066938 0.069022 0.069022 0.072143 0.075259
28 0.067980 0.069022 0.067980 0.072143 0.075259 0.076297
29 0.069022 0.069022 0.072143 0.074222 0.077335 0.082514
30 0.070063 0.073182 0.074222 0.077335 0.082514 0.089746
31 0.071103 0.075259 0.078372 0.082514 0.089746 0.095928
32 0.072143 0.077335 0.083549 0.089746 0.095928 0.106202
33 0.075259 0.082514 0.088714 0.095928 0.106202 0.117464
34 0.082514 0.088714 0.096958 0.106202 0.118485 0.132761
35 0.088714 0.097986 0.107228 0.118485 0.131743 0.145969
36 0.096958 0.105177 0.117464 0.130725 0.147997 0.160148
37 0.105177 0.116441 0.130725 0.147997 0.159137 0.175292
38 0.117464 0.131743 0.149011 0.161159 0.175292 0.193407
39 0.131743 0.150025 0.161159 0.175292 0.193407 0.215471
40 0.145969 0.163180 0.176300 0.192402 0.217473 0.241451
41 0.157114 0.178316 0.192402 0.214470 0.242448 0.273301
42 0.170249 0.194412 0.211465 0.241451 0.271314 0.312946
43 0.185363 0.212467 0.238458 0.268332 0.308989 0.372120
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.050180 0.059627 0.065896 0.069022
1 0.041678 0.041678 0.049127 0.056485 0.066938 0.069022 0.070063
2 0.041678 0.048072 0.056485 0.063809 0.070063 0.071103 0.070063
3 0.048072 0.056485 0.063809 0.065896 0.071103 0.071103 0.071103
4 0.057533 0.062764 0.065896 0.070063 0.072143 0.072143 0.072143
5 0.063809 0.066938 0.070063 0.069022 0.073182 0.073182 0.072143
6 0.066938 0.070063 0.069022 0.069022 0.069022 0.073182 0.075259
7 0.071103 0.069022 0.069022 0.069022 0.069022 0.076297 0.078372
8 0.070063 0.069022 0.069022 0.069022 0.073182 0.077335 0.083549
9 0.069022 0.069022 0.069022 0.073182 0.077335 0.083549 0.088714
10 0.069022 0.070063 0.072143 0.076297 0.083549 0.088714 0.091808
11 0.069022 0.071103 0.075259 0.082514 0.088714 0.091808 0.092839
12 0.071103 0.074222 0.081479 0.087682 0.091808 0.092839 0.092839
13 0.073182 0.080444 0.087682 0.091808 0.092839 0.092839 0.090777
14 0.080444 0.086649 0.090777 0.093869 0.092839 0.090777 0.092839
15 0.084582 0.090777 0.094899 0.092839 0.090777 0.091808 0.092839
16 0.088714 0.093869 0.092839 0.090777 0.090777 0.091808 0.089746
17 0.091808 0.091808 0.090777 0.089746 0.090777 0.087682 0.091808
18 0.086649 0.088714 0.088714 0.088714 0.086649 0.089746 0.091808
19 0.081479 0.084582 0.085616 0.084582 0.086649 0.087682 0.090777
20 0.077335 0.080444 0.081479 0.083549 0.084582 0.087682 0.089746
21 0.076297 0.078372 0.079408 0.081479 0.085616 0.087682 0.089746
22 0.075259 0.076297 0.079408 0.082514 0.085616 0.089746 0.090777
23 0.074222 0.075259 0.080444 0.083549 0.087682 0.089746 0.092839
24 0.074222 0.076297 0.081479 0.085616 0.088714 0.092839 0.099015
25 0.073182 0.077335 0.083549 0.087682 0.092839 0.099015 0.110302
26 0.075259 0.079408 0.086649 0.092839 0.099015 0.110302 0.120529
27 0.078372 0.083549 0.092839 0.099015 0.110302 0.120529 0.136830
28 0.083549 0.089746 0.097986 0.110302 0.120529 0.136830 0.151038
29 0.089746 0.095928 0.110302 0.120529 0.136830 0.151038 0.165201
30 0.095928 0.106202 0.120529 0.136830 0.151038 0.165201 0.184357
31 0.107228 0.118485 0.136830 0.151038 0.165201 0.184357 0.201440
32 0.118485 0.134796 0.150025 0.165201 0.182344 0.201440 0.217473
33 0.133779 0.149011 0.165201 0.180330 0.199432 0.217473 0.242448
34 0.146984 0.162170 0.180330 0.197425 0.216473 0.242448 0.273301
35 0.160148 0.177308 0.196421 0.216473 0.242448 0.274294 0.313935
36 0.175292 0.193407 0.216473 0.242448 0.274294 0.314924 0.358342
37 0.193407 0.214470 0.241451 0.275288 0.316902 0.360311 0.412385
38 0.215471 0.241451 0.277273 0.317890 0.363265 0.416307 0.464259
39 0.242448 0.277273 0.319867 0.367202 0.419247 0.468167 0.514012
40 0.276281 0.318878 0.369169 0.423167 0.472073 0.517908 0.564596
41 0.315913 0.372120 0.427085 0.475002 0.520829 0.567510 0.620866
42 0.372120 0.431003 0.478907 0.524724 0.571395 0.620866 0.676029
43 0.431003 0.483787 0.529590 0.574308 0.620866 0.676029 0.713702
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.069022 0.069022 0.069022 0.069022 0.069022 0.071103
1 0.070063 0.070063 0.070063 0.070063 0.071103 0.074222
2 0.071103 0.071103 0.070063 0.072143 0.075259 0.079408
3 0.071103 0.071103 0.073182 0.075259 0.080444 0.084582
4 0.072143 0.073182 0.076297 0.080444 0.085616 0.087682
5 0.074222 0.077335 0.081479 0.086649 0.087682 0.088714
6 0.077335 0.082514 0.086649 0.088714 0.089746 0.088714
7 0.083549 0.087682 0.089746 0.090777 0.089746 0.088714
8 0.088714 0.090777 0.091808 0.090777 0.088714 0.088714
9 0.091808 0.092839 0.091808 0.089746 0.089746 0.090777
10 0.092839 0.091808 0.090777 0.090777 0.091808 0.091808
11 0.091808 0.091808 0.091808 0.092839 0.092839 0.092839
12 0.090777 0.092839 0.093869 0.093869 0.092839 0.091808
13 0.092839 0.094899 0.094899 0.093869 0.092839 0.090777
14 0.093869 0.093869 0.094899 0.093869 0.091808 0.089746
15 0.091808 0.094899 0.093869 0.092839 0.090777 0.089746
16 0.092839 0.093869 0.093869 0.090777 0.090777 0.090777
17 0.093869 0.093869 0.091808 0.090777 0.091808 0.094899
18 0.093869 0.090777 0.091808 0.092839 0.095928 0.101070
19 0.090777 0.089746 0.093869 0.096958 0.102097 0.110302
20 0.089746 0.092839 0.093869 0.103124 0.111326 0.120529
21 0.091808 0.093869 0.102097 0.112350 0.121549 0.134796
22 0.092839 0.101070 0.110302 0.123590 0.135813 0.150025
23 0.100043 0.110302 0.121549 0.136830 0.151038 0.167221
24 0.110302 0.120529 0.136830 0.151038 0.169240 0.185363
25 0.120529 0.136830 0.151038 0.167221 0.187376 0.202443
26 0.136830 0.151038 0.166211 0.187376 0.204449 0.219474
27 0.151038 0.166211 0.186370 0.204449 0.222476 0.242448
28 0.166211 0.185363 0.202443 0.222476 0.245439 0.269327
29 0.185363 0.201440 0.219474 0.242448 0.272307 0.305031
30 0.201440 0.217473 0.242448 0.272307 0.308000 0.342573
31 0.217473 0.242448 0.272307 0.308000 0.346518 0.390796
32 0.242448 0.272307 0.310968 0.347504 0.394723 0.442748
33 0.272307 0.310968 0.349475 0.397669 0.446662 0.496468
34 0.311957 0.353416 0.401595 0.449596 0.496468 0.556823
35 0.355387 0.405519 0.452529 0.501343 0.556823 0.616021
36 0.408462 0.456440 0.505242 0.556823 0.616021 0.670228
37 0.460350 0.508165 0.553907 0.618928 0.663459 0.737823
38 0.511089 0.556823 0.616021 0.663459 0.715632 0.805257
39 0.560710 0.616021 0.666361 0.715632 0.765779 0.878313
40 0.618928 0.670228 0.715632 0.764815 0.835075 0.964638
41 0.673129 0.714667 0.764815 0.834114 0.926295 1.046006
42 0.714667 0.763852 0.825459 0.916703 0.984754 1.119597
43 0.762888 0.819689 0.906150 0.973261 1.065131 1.215022
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
44 0.082196 0.105521 0.127870 0.144931 0.150930 0.162170 0.178316
45 0.094650 0.117382 0.139212 0.157992 0.165611 0.179323 0.198429
46 0.111922 0.130352 0.150506 0.172087 0.189621 0.200437 0.222476
47 0.129033 0.142080 0.164004 0.187207 0.210400 0.224476 0.242448
48 0.132681 0.152590 0.177444 0.204421 0.231098 0.244443 0.268332
49 0.137535 0.164219 0.193061 0.223707 0.248636 0.269327 0.302061
50 0.141169 0.176958 0.210830 0.237590 0.270232 0.302061 0.342573
51 0.147214 0.191949 0.223002 0.255689 0.298926 0.341587 0.386866
52 0.150834 0.198845 0.239547 0.280088 0.333627 0.384901 0.439813
53 0.154447 0.211455 0.262614 0.311773 0.367179 0.426105 0.481836
54 0.160460 0.228582 0.292126 0.345413 0.408705 0.464259 0.508165
55 0.170051 0.251309 0.322575 0.388312 0.447056 0.485738 0.539321
56 0.184378 0.272796 0.361518 0.427889 0.468197 0.512063 0.561681
57 0.197452 0.304292 0.398110 0.450729 0.496332 0.528617 0.604389
58 0.239891 0.347870 0.424910 0.490069 0.526414 0.580133 0.662492
59 0.285363 0.374539 0.462297 0.518972 0.585405 0.638300 0.722388
60 0.321195 0.413249 0.489976 0.580688 0.638221 0.702116 0.781191
61 0.354501 0.442977 0.551463 0.634984 0.710731 0.761924 0.824498
62 0.386482 0.507582 0.604213 0.710489 0.777067 0.810068 0.840843
63 0.416040 0.536999 0.663043 0.768434 0.820534 0.842766 0.960805
64 0.440954 0.585845 0.712236 0.805960 0.833362 0.948347 1.031657
65 0.465786 0.623690 0.747727 0.808999 0.921029 1.040268 1.121507
66 0.487170 0.652804 0.743556 0.862630 0.991766 1.103358 1.295068
67 0.507379 0.646341 0.774818 0.908071 1.085862 1.294115 1.548950
68 0.536487 0.682928 0.826801 0.987649 1.166057 1.367412 1.621092
69 0.583321 0.741907 0.903482 1.068007 1.248057 1.448245 1.698883
70 0.634371 0.805985 0.979890 1.152162 1.338686 1.536605 1.772837
71 0.701717 0.881492 1.065304 1.245103 1.439862 1.625837 1.840123
72 0.776371 0.972540 1.161711 1.491946 1.665015 1.714056 2.068343
73 0.815734 1.171306 1.528373 1.672350 1.749285 2.032372 2.267997
74 0.890897 1.285241 1.676166 1.792009 2.003619 2.227318 2.402314
75 0.977624 1.408103 1.833632 2.011074 2.195738 2.356914 2.747505
76 1.070412 1.539849 2.012827 2.202101 2.413684 2.698326 3.516970
77 1.169224 1.689734 2.203635 2.419353 2.710440 3.415607 4.222971
78 1.282563 1.848386 2.420077 2.717739 3.503974 4.056696 4.538839
79 1.401797 2.028102 2.660096 3.285202 3.837415 4.356099 5.014736
80 1.537491 2.227755 2.911708 3.595715 4.182765 4.816190 5.576534
81 1.687406 2.437079 3.183946 3.916070 4.628164 5.364757 6.356656
82 1.844103 2.663227 3.465910 4.554428 5.331608 6.222603 7.025322
83 2.012816 3.265349 4.124102 5.234500 6.107326 6.883720 7.947221
84 2.633228 3.946729 4.834461 5.983966 6.862783 7.802476 8.952256
85 3.338944 4.685140 5.620192 6.805325 7.788767 8.693669 9.597676
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
44 0.203446 0.233467 0.262367 0.308989 0.361295 0.417287
45 0.225475 0.248429 0.289179 0.345531 0.405519 0.464259
46 0.242448 0.272307 0.319867 0.387849 0.453507 0.517908
47 0.266345 0.303051 0.356372 0.431981 0.509140 0.563624
48 0.300080 0.344546 0.401595 0.487690 0.558766 0.611175
49 0.340601 0.389813 0.454485 0.535430 0.611175 0.646044
50 0.384901 0.444705 0.508165 0.584987 0.633459 0.685694
51 0.438834 0.499393 0.551963 0.629585 0.676029 0.733965
52 0.491592 0.543211 0.594690 0.673129 0.722388 0.795633
53 0.526670 0.586928 0.639268 0.711771 0.791782 0.826421
54 0.563624 0.630553 0.698253 0.786006 0.824498 0.916703
55 0.598570 0.687627 0.778301 0.825459 0.909987 0.976135
56 0.646044 0.766742 0.827383 0.900392 0.969429 0.984754
57 0.714667 0.830268 0.885994 0.954097 0.967513 1.124372
58 0.763852 0.884074 0.944512 0.950264 1.108135 1.221696
59 0.821613 0.901351 0.941637 1.106224 1.184503 1.335055
60 0.852376 0.893674 0.990500 1.156832 1.293163 1.463452
61 0.858142 0.950264 1.030700 1.201672 1.437789 1.642917
62 0.948347 1.025917 1.170192 1.411167 1.615399 1.776629
63 1.028788 1.147287 1.343621 1.608755 1.746293 1.902647
64 1.138695 1.328393 1.580281 1.715004 1.868545 2.147839
65 1.312208 1.566040 1.682760 1.833490 2.110933 2.355022
66 1.550848 1.666634 1.797480 2.043733 2.314349 2.555524
67 1.648609 1.823067 2.003972 2.239617 2.475138 2.878976
68 1.847703 1.953789 2.164872 2.392856 2.888435 3.337952
69 1.929167 2.183796 2.308674 2.899786 3.285876 3.957947
70 2.005866 2.288809 2.570655 3.156194 3.714122 4.549314
71 2.086326 2.384343 2.713459 3.438339 4.386543 5.270952
72 2.305836 2.485541 2.861950 3.729294 5.242248 5.815546
73 2.445819 2.836412 3.365413 4.858169 5.561191 6.267914
74 2.792903 3.433604 4.674119 5.301574 6.057889 6.628114
75 3.502758 4.590271 5.099772 5.842450 6.472506 7.227363
76 4.441735 4.944070 5.623534 6.238990 7.060265 7.779021
77 4.778991 5.453835 6.075217 6.888566 7.772181 8.493762
78 5.203985 5.969361 6.714221 7.676471 8.440651 9.254121
79 5.778082 6.602003 7.489201 8.338438 9.249165 9.599665
80 6.483130 7.373292 8.233382 9.243218 9.591709 10.411726
81 7.250698 8.209833 9.132275 9.581763 10.403702 11.296537
82 8.033380 9.113467 9.569830 10.513089 11.288438 12.328981
83 9.089714 9.544973 10.503048 11.279326 12.391464 13.347384
84 9.515154 10.480963 11.269203 12.384291 13.490410 14.536946
85 10.704066 11.509410 12.376096 13.634706 14.690326 16.316335
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
44 0.477931 0.533483 0.577222 0.623773 0.675062 0.712737 0.761924
45 0.532510 0.580133 0.626679 0.675062 0.712737 0.760961 0.812955
46 0.571395 0.629585 0.674096 0.711771 0.759997 0.811993 0.853338
47 0.623773 0.670228 0.714667 0.759033 0.806220 0.846611 0.925336
48 0.656688 0.706944 0.758070 0.809107 0.849494 0.912866 1.014433
49 0.693423 0.750359 0.808144 0.853338 0.915743 1.012519 1.137740
50 0.737823 0.799483 0.856220 0.919581 1.010605 1.123417 1.251245
51 0.793708 0.836036 0.928213 1.008691 1.109090 1.235043 1.318873
52 0.822575 0.908069 1.005819 1.093805 1.219790 1.316016 1.442542
53 0.913825 0.975177 1.078514 1.202626 1.313160 1.439690 1.601163
54 0.975177 1.044093 1.185458 1.310304 1.436838 1.597367 1.750086
55 1.001990 1.159695 1.306495 1.433035 1.594519 1.725435 1.896017
56 1.142514 1.277923 1.437789 1.590722 1.721642 1.891281 2.048465
57 1.242668 1.414970 1.566989 1.716900 1.887492 2.043733 2.264213
58 1.375023 1.531856 1.713108 1.859072 2.039000 2.258537 2.577275
59 1.488159 1.675171 1.830648 2.033320 2.252861 2.572547 2.868571
60 1.669480 1.812643 2.014386 2.247185 2.536610 2.830736 3.145784
61 1.783263 1.994504 2.241509 2.500673 2.825061 3.141051 3.503705
62 1.935797 2.218803 2.478921 2.819386 3.135373 3.498021 4.013962
63 2.183796 2.463789 2.778717 3.129695 3.492336 4.032005 4.553124
64 2.393801 2.744668 3.123071 3.486652 4.050048 4.575030 5.150436
65 2.634018 3.085218 3.499916 4.068093 4.595986 5.176252 5.679189
66 3.001955 3.480021 4.086140 4.617898 5.201116 5.731026 6.186944
67 3.389088 4.063345 4.639812 5.226942 5.783844 6.243810 6.755847
68 4.011114 4.660776 5.251815 5.836685 6.300703 6.817828 7.286684
69 4.605512 5.277649 5.889546 6.358586 6.880812 7.353824 7.850376
70 5.274779 5.943391 6.416497 6.943831 7.421978 7.923735 8.440651
71 5.879933 6.475403 7.007855 7.490175 7.997145 8.519344 9.037280
72 6.406844 7.071914 7.559389 8.070606 8.598098 9.131286 9.690224
73 6.779086 7.550613 8.045134 8.553792 9.168913 9.730056 10.327506
74 7.390817 7.958966 8.551823 9.216461 9.729060 10.326504 10.847047
75 7.869934 8.548869 9.263042 9.727068 10.324499 10.960984 11.828621
76 8.544933 9.261059 9.724080 10.321492 10.957957 11.953965 12.664431
77 9.258086 9.719100 10.316482 11.073038 12.017212 12.799166 13.532948
78 9.714121 10.311472 11.067988 12.014151 12.796078 13.665881 15.126728
79 10.418747 11.184215 12.141792 12.932042 13.799011 15.290680 16.434275
80 11.178148 12.204145 13.070275 13.943811 15.456004 16.613641 17.913747
81 12.266542 13.209756 14.089893 15.623770 16.795539 18.111593
82 13.279061 14.237263 15.793993 16.979987 18.313196
83 14.385928 15.966687 17.167000 18.516384
84 16.140798 17.355509 18.721167
85 17.546615 18.929769
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
44 0.814879 0.885994 0.961764 1.042180 1.155877 1.336007
45 0.864867 0.960805 1.029744 1.142514 1.270302 1.491009
46 0.937802 1.017304 1.141559 1.269349 1.388340 1.651455
47 1.015391 1.140604 1.268397 1.342670 1.504311 1.810748
48 1.139649 1.280781 1.325536 1.486259 1.649558 1.979355
49 1.266491 1.323633 1.467254 1.647660 1.783263 2.169603
50 1.320777 1.448245 1.645763 1.781368 1.954736 2.388127
51 1.445393 1.624888 1.769045 1.952842 2.127967 2.624560
52 1.604010 1.756722 1.928220 2.101469 2.337996 2.849653
53 1.752930 1.902647 2.074022 2.308674 2.594298 3.135373
54 1.899806 2.070236 2.278403 2.619832 2.916813 3.440235
55 2.065503 2.273673 2.616995 2.914921 3.165658 3.788095
56 2.268943 2.614158 2.912083 3.161872 3.484758 4.174499
57 2.610375 2.908299 3.159033 3.481915 3.923777 4.535982
58 2.905462 3.155247 3.516023 3.941810 4.445541 4.973669
59 3.150516 3.512232 3.959846 4.466482 4.973669 5.427968
60 3.508442 3.977884 4.488376 5.024288 5.427968 5.912620
61 3.995922 4.510273 5.074925 5.476834 5.912620 6.388504
62 4.531221 5.099772 5.527633 5.966475 6.447395 6.889536
63 5.125579 5.577493 6.020353 6.513079 6.952559 7.413213
64 5.628332 6.075217 6.572999 7.024352 7.482379 7.960924
65 6.131068 6.632949 7.088421 7.559389 8.034359 8.530169
66 6.693897 7.153498 7.636454 8.117648 8.601053 9.144156
67 7.219586 7.707714 8.193155 8.689726 9.229343 9.804786
68 7.779021 8.277552 8.771570 9.315595 9.906509 10.516101
69 8.354156 8.862366 9.412842 10.000350 10.626624 11.283376
70 8.944350 9.500247 10.104279 10.726203 11.401899 12.140770
71 9.599665 10.199312 10.827903 11.498248 12.269612 13.102285
72 10.306462 10.941816 11.607902 12.374046 13.241816 14.181839
73 10.849062 11.693279 12.399661 13.018671 14.334600 15.399801
74 11.791968 12.531949 13.145671 14.489724 15.566396 16.775069
75 12.665459 13.273887 14.646175 15.735441 16.959473
76 13.402288 14.803959 15.906952 17.145359
77 14.964139 16.080941 17.333820
78 16.256355 17.524877
79 17.718543
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.075314 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.043405
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.044501
31 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.046691
32 0.041678 0.041678 0.041678 0.041678 0.041678 0.043405 0.048876
33 0.041678 0.041678 0.041678 0.041678 0.042297 0.046691 0.051057
34 0.041678 0.041678 0.041678 0.042067 0.046900 0.048876 0.055408
35 0.041678 0.041678 0.041678 0.045691 0.050339 0.053234 0.060827
36 0.041678 0.041678 0.042881 0.049300 0.054907 0.059745 0.067304
37 0.041678 0.041678 0.046672 0.055284 0.061726 0.066227 0.073756
38 0.041678 0.041678 0.049189 0.060047 0.068509 0.073756 0.081255
39 0.041678 0.042261 0.052951 0.065972 0.075260 0.080186 0.088725
40 0.041678 0.044907 0.059187 0.071869 0.081984 0.088725 0.098294
41 0.041678 0.050173 0.065384 0.080083 0.090908 0.099354 0.108881
42 0.041678 0.055402 0.071547 0.088252 0.100899 0.109938 0.120480
43 0.041678 0.061897 0.080124 0.098697 0.111946 0.120480 0.130986
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
19 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
20 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
23 0.041678 0.041678 0.041678 0.041678 0.042307 0.043405
24 0.041678 0.041678 0.041678 0.042307 0.043405 0.045597
25 0.041678 0.041678 0.042307 0.044501 0.045597 0.048876
26 0.041678 0.042307 0.043405 0.045597 0.047784 0.052146
27 0.043405 0.044501 0.045597 0.048876 0.052146 0.055408
28 0.044501 0.046691 0.048876 0.052146 0.055408 0.059745
29 0.046691 0.048876 0.053234 0.055408 0.059745 0.064069
30 0.049967 0.053234 0.056493 0.059745 0.065148 0.071608
31 0.052146 0.056493 0.060827 0.065148 0.072683 0.079116
32 0.055408 0.060827 0.065148 0.072683 0.080186 0.087660
33 0.058662 0.066227 0.073756 0.080186 0.088725 0.097232
34 0.062989 0.072683 0.080186 0.088725 0.097232 0.107825
35 0.069458 0.079116 0.087660 0.096171 0.107825 0.118374
36 0.076973 0.087660 0.095109 0.106767 0.118374 0.130986
37 0.084460 0.096171 0.105709 0.116268 0.129936 0.144593
38 0.091920 0.105709 0.116268 0.129936 0.143548 0.158150
39 0.101474 0.114159 0.127838 0.144593 0.158150 0.173736
40 0.110993 0.124687 0.140411 0.159191 0.175810 0.193400
41 0.120480 0.135178 0.152941 0.176846 0.194433 0.214016
42 0.132034 0.145638 0.167509 0.190301 0.216073 0.232504
43 0.143548 0.160232 0.185131 0.216073 0.233530 0.251959
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.043405
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.043405 0.045597
10 0.041678 0.041678 0.041678 0.041678 0.044501 0.045597 0.043405
11 0.041678 0.041678 0.042307 0.044501 0.045597 0.043405 0.042307
12 0.041678 0.041678 0.045597 0.046691 0.044501 0.042307 0.042307
13 0.041678 0.041678 0.046691 0.044501 0.042307 0.042307 0.043405
14 0.041678 0.044501 0.044501 0.043405 0.043405 0.044501 0.045597
15 0.044501 0.042307 0.043405 0.043405 0.044501 0.045597 0.046691
16 0.041678 0.041678 0.043405 0.044501 0.045597 0.046691 0.047784
17 0.041678 0.041678 0.045597 0.046691 0.046691 0.047784 0.049967
18 0.041678 0.042307 0.046691 0.047784 0.048876 0.049967 0.051057
19 0.041678 0.042307 0.047784 0.048876 0.049967 0.052146 0.054322
20 0.042307 0.042307 0.049967 0.051057 0.052146 0.054322 0.055408
21 0.042307 0.044501 0.045597 0.052146 0.054322 0.056493 0.058662
22 0.043405 0.045597 0.047784 0.051057 0.054322 0.058662 0.062989
23 0.045597 0.047784 0.051057 0.054322 0.058662 0.064069 0.068381
24 0.048876 0.052146 0.054322 0.058662 0.062989 0.069458 0.075902
25 0.052146 0.054322 0.058662 0.064069 0.069458 0.075902 0.082324
26 0.054322 0.058662 0.064069 0.070533 0.075902 0.083393 0.090855
27 0.058662 0.065148 0.070533 0.076973 0.084460 0.091920 0.100415
28 0.064069 0.071608 0.078045 0.084460 0.092983 0.101474 0.110993
29 0.071608 0.078045 0.085528 0.092983 0.102534 0.112049 0.122584
30 0.079116 0.086594 0.094046 0.103593 0.113105 0.123635 0.135178
31 0.087660 0.095109 0.104651 0.114159 0.124687 0.136226 0.148770
32 0.096171 0.105709 0.115214 0.126788 0.137272 0.149813 0.163352
33 0.106767 0.116268 0.127838 0.139365 0.150856 0.164391 0.180990
34 0.117321 0.128887 0.140411 0.151899 0.166470 0.183061 0.200626
35 0.129936 0.141457 0.153984 0.167509 0.185131 0.202688 0.218130
36 0.142503 0.155026 0.169585 0.186165 0.204749 0.220186 0.235580
37 0.157109 0.170623 0.188233 0.206809 0.222241 0.237630 0.254003
38 0.172699 0.190301 0.208870 0.224294 0.240703 0.256047 0.277471
39 0.191334 0.210929 0.226348 0.242751 0.258090 0.279507 0.306953
40 0.212987 0.228401 0.244798 0.260133 0.281544 0.308983 0.340376
41 0.230453 0.246845 0.262175 0.284597 0.312026 0.340376 0.359563
42 0.249914 0.264216 0.286632 0.314054 0.340376 0.363598 0.387772
43 0.267277 0.288667 0.316082 0.341386 0.366623 0.387772 0.411891
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
4 0.041678 0.041678 0.041678 0.042307 0.043405 0.041678
5 0.041678 0.041678 0.042307 0.043405 0.041678 0.041678
6 0.041678 0.042307 0.043405 0.041678 0.041678 0.041678
7 0.043405 0.044501 0.042307 0.041678 0.041678 0.041678
8 0.044501 0.042307 0.041678 0.041678 0.041678 0.042307
9 0.042307 0.041678 0.041678 0.042307 0.043405 0.043405
10 0.041678 0.041678 0.042307 0.043405 0.044501 0.045597
11 0.042307 0.042307 0.043405 0.044501 0.045597 0.046691
12 0.043405 0.044501 0.044501 0.045597 0.046691 0.048876
13 0.044501 0.045597 0.046691 0.047784 0.048876 0.051057
14 0.045597 0.046691 0.047784 0.049967 0.051057 0.052146
15 0.047784 0.048876 0.049967 0.052146 0.053234 0.055408
16 0.048876 0.051057 0.052146 0.053234 0.055408 0.059745
17 0.051057 0.053234 0.054322 0.056493 0.059745 0.065148
18 0.053234 0.054322 0.056493 0.060827 0.065148 0.071608
19 0.055408 0.057578 0.060827 0.066227 0.071608 0.078045
20 0.057578 0.061908 0.067304 0.072683 0.079116 0.085528
21 0.061908 0.067304 0.073756 0.079116 0.086594 0.095109
22 0.068381 0.073756 0.080186 0.087660 0.096171 0.104651
23 0.074830 0.081255 0.088725 0.097232 0.105709 0.116268
24 0.082324 0.088725 0.098294 0.106767 0.117321 0.127838
25 0.089791 0.099354 0.107825 0.118374 0.128887 0.140411
26 0.100415 0.108881 0.119428 0.129936 0.141457 0.153984
27 0.109938 0.120480 0.132034 0.142503 0.155026 0.170623
28 0.121532 0.133083 0.144593 0.157109 0.172699 0.189268
29 0.134130 0.145638 0.158150 0.174773 0.191334 0.206809
30 0.146682 0.160232 0.175810 0.193400 0.207840 0.223268
31 0.161272 0.177883 0.195466 0.209899 0.225321 0.240703
32 0.179954 0.196498 0.211958 0.227375 0.243775 0.264216
33 0.198562 0.214016 0.229427 0.245821 0.266257 0.292735
34 0.216073 0.231479 0.247868 0.269317 0.295784 0.324187
35 0.233530 0.250936 0.271356 0.298831 0.327225 0.356537
36 0.251959 0.274414 0.300863 0.330261 0.360572 0.384753
37 0.276452 0.303909 0.333297 0.363598 0.387772 0.412895
38 0.305939 0.335320 0.363598 0.387772 0.412895 0.444974
39 0.338354 0.356537 0.384753 0.416910 0.444974 0.481963
40 0.359563 0.383747 0.408880 0.440969 0.477970 0.521842
41 0.383747 0.408880 0.437964 0.481963 0.513875 0.562608
42 0.409883 0.439967 0.484959 0.516862 0.551681 0.605256
43 0.441970 0.486954 0.518854 0.553668 0.599311 0.659662
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
44 0.044179 0.068348 0.089861 0.110235 0.124040 0.132034 0.142503
45 0.049679 0.077316 0.100743 0.122853 0.137171 0.143548 0.155026
46 0.056497 0.086217 0.113949 0.136541 0.150244 0.157109 0.170623
47 0.061912 0.096319 0.127067 0.151289 0.166512 0.173736 0.187199
48 0.068636 0.103852 0.134188 0.159198 0.176237 0.186165 0.199594
49 0.076645 0.110102 0.141287 0.168212 0.187014 0.195466 0.211958
50 0.084596 0.118814 0.149544 0.177201 0.194541 0.205779 0.226348
51 0.092498 0.128723 0.158947 0.182807 0.202054 0.217102 0.244798
52 0.102962 0.138581 0.164808 0.188404 0.209555 0.230453 0.264216
53 0.106867 0.143495 0.174160 0.200687 0.228788 0.256047 0.292735
54 0.106867 0.148397 0.183484 0.217376 0.250073 0.281544 0.322161
55 0.109465 0.154510 0.196258 0.233998 0.271276 0.306953 0.352499
56 0.109465 0.161826 0.208985 0.248354 0.291351 0.333297 0.385760
57 0.112058 0.169121 0.218213 0.263768 0.313468 0.361581 0.409883
58 0.114648 0.181234 0.242331 0.295552 0.345993 0.381734 0.438966
59 0.115941 0.194501 0.268589 0.329337 0.370037 0.415906 0.469978
60 0.117233 0.211303 0.296966 0.353206 0.408576 0.452981 0.499922
61 0.119815 0.228021 0.312788 0.394249 0.451102 0.490946 0.531794
62 0.122392 0.231593 0.345422 0.438296 0.495520 0.530799 0.572535
63 0.124966 0.255322 0.370062 0.459702 0.512005 0.552674 0.610208
64 0.145435 0.280088 0.395724 0.479993 0.534635 0.584441 0.643851
65 0.165706 0.307056 0.422403 0.507692 0.567483 0.611199 0.682370
66 0.189559 0.336203 0.456726 0.546986 0.597183 0.641873 0.721805
67 0.214448 0.372129 0.503005 0.584033 0.630909 0.696181 0.786728
68 0.253870 0.429632 0.567630 0.665156 0.720506 0.775919 0.853446
69 0.303782 0.490075 0.643798 0.756271 0.811695 0.871080 0.916098
70 0.333938 0.480982 0.690346 0.760448 0.818771 0.877935 0.976675
71 0.372272 0.517293 0.723803 0.782360 0.893437 0.960076 1.087793
72 0.424554 0.581600 0.764705 0.844817 0.977921 1.071243 1.225790
73 0.474059 0.643250 0.815141 0.922607 1.079169 1.196670 1.475596
74 0.529054 0.711220 0.879299 1.019713 1.215006 1.406953 1.692717
75 0.579039 0.775500 0.983601 1.149288 1.378176 1.629087 1.954543
76 0.636810 0.859272 1.121150 1.315049 1.580363 1.848730 2.238914
77 0.699969 0.988451 1.284138 1.536908 1.841017 2.121763 2.516206
78 0.786653 1.127544 1.485822 1.756663 2.104756 2.409733 2.775095
79 0.897555 1.289404 1.695697 2.018855 2.402183 2.693604 3.073228
80 1.026631 1.478024 1.936547 2.288139 2.652056 2.961068 3.416484
81 1.172489 1.692035 2.209204 2.520641 2.920251 3.278395 3.805086
82 1.334915 1.919607 2.449075 2.760704 3.215640 3.666871 4.293215
83 1.503892 2.158654 2.692372 3.052315 3.644896 4.143217 5.387983
84 1.750065 2.367367 2.952450 3.479145 4.283734 5.330903 6.500167
85 2.148396 2.657856 3.360513 4.057068 5.410921 6.585046 7.950197
Issue Age 8 9 10 11 12 13
--------- -------- --------- --------- --------- --------- ---------
44 0.157109 0.177883 0.204749 0.232504 0.251959 0.269317
45 0.173736 0.197530 0.222241 0.250936 0.271356 0.289684
46 0.191334 0.216073 0.240703 0.269317 0.290701 0.323175
47 0.207840 0.235580 0.261154 0.292735 0.325200 0.350480
48 0.222241 0.250936 0.282562 0.318108 0.350480 0.376699
49 0.237630 0.271356 0.305939 0.341386 0.374684 0.396822
50 0.257068 0.293751 0.328237 0.363598 0.398833 0.419920
51 0.278489 0.316082 0.348460 0.385760 0.422930 0.446976
52 0.299847 0.336332 0.369647 0.406871 0.437964 0.476971
53 0.331273 0.368638 0.402853 0.430950 0.476971 0.523833
54 0.363598 0.403857 0.428945 0.468979 0.518854 0.573528
55 0.398833 0.430950 0.468979 0.509889 0.561615 0.626048
56 0.425938 0.472976 0.511882 0.551681 0.607238 0.692236
57 0.468979 0.517858 0.556648 0.596338 0.664601 0.778867
58 0.494936 0.544723 0.585433 0.638907 0.723775 0.838742
59 0.521842 0.571543 0.623079 0.697167 0.781815 0.908274
60 0.547705 0.607238 0.675462 0.753305 0.850506 0.982532
61 0.581465 0.656699 0.724760 0.820107 0.924899 1.048841
62 0.629016 0.704068 0.784763 0.892618 0.991315 1.118928
63 0.668551 0.753305 0.839723 0.948354 1.062479 1.197641
64 0.714909 0.805386 0.886746 1.006924 1.135459 1.284951
65 0.763140 0.847565 0.933696 1.064426 1.216086 1.379863
66 0.802441 0.890662 0.979604 1.126708 1.302395 1.511342
67 0.842664 0.932719 1.027401 1.193757 1.423395 1.742820
68 0.920987 1.032275 1.175304 1.431131 1.740894 2.125605
69 1.008875 1.144209 1.368249 1.736077 2.142894 2.494147
70 1.104336 1.310147 1.637767 2.040097 2.428920 2.832614
71 1.251984 1.533553 1.931464 2.336812 2.771260 3.192105
72 1.492988 1.859315 2.212033 2.698398 3.153756 3.515278
73 1.754379 2.135210 2.556485 3.041593 3.488420 3.878057
74 2.054511 2.442350 2.873835 3.353190 3.808926 4.254745
75 2.356964 2.749210 3.159508 3.664952 4.184553 4.702388
76 2.653334 3.043510 3.450053 4.034623 4.594479 5.474126
77 2.951483 3.359902 3.806046 4.472188 5.336706 6.456285
78 3.298532 3.697580 4.233589 5.131767 6.287723 7.613087
79 3.662072 4.146101 4.922254 6.023129 7.405594 8.725864
80 4.052880 4.821931 5.715393 7.138652 8.609609 9.673591
81 4.580994 5.643651 6.756929 8.177476 9.428091 10.244034
82 5.439276 6.711006 7.841661 9.177183 9.983060 10.548189
83 6.392928 7.698748 8.938830 9.938792 10.633238 11.899522
84 7.813064 9.060432 10.007214 10.718359 12.005293 13.448754
85 9.208139 10.162344 10.802541 12.113241 13.582439 15.230023
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
44 0.286632 0.318108 0.343408 0.366623 0.391795 0.413899 0.444974
45 0.321149 0.345429 0.366623 0.390790 0.415906 0.446976 0.491944
46 0.348460 0.369647 0.394812 0.417913 0.448978 0.493939 0.525823
47 0.373677 0.396822 0.419920 0.450979 0.495933 0.528809 0.567573
48 0.396822 0.419920 0.452981 0.495933 0.530799 0.572535 0.620110
49 0.420923 0.454982 0.495933 0.533784 0.578489 0.626048 0.675462
50 0.451980 0.496931 0.535774 0.581465 0.629016 0.678423 0.754288
51 0.488950 0.539751 0.584441 0.631984 0.685331 0.761173 0.838742
52 0.527814 0.585433 0.634951 0.692236 0.768056 0.846585 0.925876
53 0.580473 0.637918 0.696181 0.775919 0.854426 0.934674 1.034224
54 0.636929 0.703083 0.783780 0.863243 0.939560 1.043969 1.117956
55 0.707025 0.788692 0.871080 0.948354 1.052738 1.129626 1.206378
56 0.782798 0.878914 0.957147 1.061505 1.140321 1.217056 1.309178
57 0.862264 0.966912 1.072216 1.149069 1.222879 1.319834 1.425329
58 0.972771 1.079032 1.156844 1.234523 1.328552 1.431131 1.505546
59 1.052738 1.165589 1.247135 1.334363 1.442734 1.512307 1.629087
60 1.124763 1.257803 1.347919 1.452401 1.519068 1.627158 1.809266
61 1.200554 1.354697 1.459167 1.518102 1.643553 1.796750 2.112157
62 1.277196 1.461100 1.532587 1.658979 1.804452 2.121763 2.459617
63 1.359538 1.548035 1.657051 1.811191 2.130408 2.456739 2.790433
64 1.449501 1.669584 1.818892 2.140012 2.467290 2.802896 3.154715
65 1.575062 1.827556 2.148656 2.477841 2.830697 3.186352 3.545016
66 1.737040 2.157299 2.488392 2.851787 3.217991 3.561325 3.866534
67 2.129447 2.498943 2.870960 3.232372 3.577635 3.904946 4.278788
68 2.495106 2.883422 3.264013 3.573798 3.923193 4.298024 4.806503
69 2.879587 3.278395 3.609297 3.940481 4.318223 4.854723 5.575818
70 3.248672 3.605459 3.945284 4.314376 4.850865 5.584537 6.510896
71 3.592986 3.953928 4.328805 4.889450 5.616514 6.548942 7.659356
72 3.936639 4.339387 4.868228 5.655282 6.580167 7.704658 8.789510
73 4.323995 4.874015 5.681457 6.618233 7.716479 8.783542 9.690647
74 4.803609 5.676609 6.641664 7.760819 8.874099 9.791038 10.364170
75 5.607792 6.686585 7.771661 8.945804 9.892533 10.426819 10.665656
76 6.628972 7.808135 8.998617 9.940804 10.500635 10.766019 11.614629
77 7.711553 8.970712 9.988092 10.551225 10.807614 11.685260 12.895214
78 8.840255 9.980041 10.615006 10.872577 11.744671 12.969934 14.130728
79 9.800078 10.630199 10.827910 11.777467 13.023936 14.282278 15.337614
80 10.415701 10.856333 11.795918 13.072773 14.436195 15.502986 16.701896
81 10.623109 11.827705 13.058223 14.591436 15.670808 16.883983
82 11.793868 13.187174 14.748005 15.841097 17.068629
83 13.317350 14.906972 16.012792 17.255850
84 15.067287 16.186978 17.444573
85 16.362593 17.635901
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
44 0.488950 0.521842 0.556648 0.605256 0.652747 0.724760
45 0.523833 0.562608 0.608228 0.655711 0.724760 0.798513
46 0.564594 0.611199 0.659662 0.731654 0.798513 0.885767
47 0.617140 0.665589 0.739528 0.806367 0.885767 0.982532
48 0.668551 0.746418 0.814220 0.894576 0.989363 1.076111
49 0.750353 0.822069 0.900447 0.999120 1.076111 1.177247
50 0.829916 0.909252 1.007900 1.082926 1.165589 1.284951
51 0.917076 1.016676 1.090713 1.174332 1.259743 1.405019
52 1.025451 1.100444 1.180161 1.272348 1.377927 1.540311
53 1.110174 1.187930 1.284951 1.391474 1.471731 1.720663
54 1.196670 1.294642 1.405019 1.478495 1.619442 1.954543
55 1.303364 1.411790 1.477529 1.618478 1.819855 2.243714
56 1.418560 1.492022 1.616549 1.817930 2.067003 2.569911
57 1.498785 1.615584 1.816005 2.065081 2.520042 2.932311
58 1.613654 1.814079 2.073729 2.519083 2.700316 3.297572
59 1.812154 2.083336 2.492228 2.718531 3.068435 3.626568
60 2.103512 2.490310 2.732912 3.089524 3.446216 3.955849
61 2.488392 2.751128 3.113491 3.480746 3.759008 4.330729
62 2.772219 3.126913 3.497052 3.796446 4.157636 4.865333
63 3.141293 3.513360 3.813726 4.155714 4.645536 5.585507
64 3.529667 3.831008 4.197051 4.667696 5.354119 6.542113
65 3.869415 4.217242 4.714917 5.402498 6.277013 7.680035
66 4.236473 4.746726 5.450892 6.334470 7.366300 8.803438
67 4.784325 5.494459 6.385132 7.425245 8.531182 9.758902
68 5.520605 6.435813 7.493069 8.572870 9.456118 10.335889
69 6.466036 7.554046 8.615567 9.452114 10.013254 10.578555
70 7.590450 8.657288 9.549264 10.084749 10.335889 11.368343
71 8.699025 9.607398 10.167384 10.355079 11.261237 12.259427
72 9.643497 10.239998 10.417722 11.343850 12.298585 13.259008
73 10.302570 10.525927 11.389778 12.401713 13.399716 14.383454
74 10.590704 11.472502 12.520451 13.542730 14.537546 15.652620
75 11.536893 12.639341 13.687017 14.694021 15.821802
76 12.766671 13.833631 14.851831 15.993460
77 13.981532 15.012047 16.167607
78 15.173616 16.343183
79 16.521273
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.077183 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.051232
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.052284 0.061719
12 0.041678 0.041678 0.041678 0.041678 0.055834 0.062764 0.069022
13 0.041678 0.041678 0.041678 0.059470 0.065648 0.070063 0.072143
14 0.041678 0.041678 0.063191 0.069660 0.075401 0.072143 0.074222
15 0.041678 0.066998 0.072586 0.078660 0.077562 0.074222 0.072143
16 0.070888 0.076723 0.083081 0.080903 0.079720 0.073182 0.070063
17 0.080944 0.087584 0.084243 0.083142 0.077562 0.071103 0.070063
18 0.124360 0.118803 0.116528 0.111066 0.104196 0.098967 0.096055
19 0.120980 0.117159 0.110145 0.107968 0.102693 0.094597 0.093140
20 0.117597 0.105627 0.105345 0.103315 0.099685 0.091681 0.090222
21 0.107414 0.099010 0.098932 0.097099 0.095168 0.090222 0.090222
22 0.098889 0.092372 0.090889 0.092426 0.093660 0.090222 0.090222
23 0.090326 0.085710 0.087662 0.090865 0.093660 0.090222 0.091681
24 0.079992 0.080698 0.084431 0.090865 0.093660 0.091681 0.091681
25 0.073064 0.075670 0.082814 0.089305 0.090643 0.090222 0.091681
26 0.064355 0.072309 0.081195 0.084616 0.086110 0.085840 0.090222
27 0.057343 0.068940 0.074703 0.078347 0.080053 0.081452 0.088763
28 0.060854 0.070626 0.076329 0.079916 0.080053 0.082916 0.091681
29 0.060854 0.070626 0.076329 0.079916 0.081569 0.085840 0.091681
30 0.060854 0.070626 0.076329 0.083051 0.084597 0.087302 0.093140
31 0.060854 0.068940 0.076329 0.083051 0.086110 0.088763 0.091681
32 0.059100 0.068940 0.077952 0.083051 0.086110 0.088763 0.091681
33 0.060854 0.073991 0.082814 0.089305 0.090643 0.093140 0.097511
34 0.062605 0.077347 0.087662 0.093984 0.095168 0.098967 0.104784
35 0.062605 0.079024 0.090889 0.098654 0.101189 0.104784 0.113492
36 0.062605 0.080698 0.095718 0.103315 0.105697 0.112042 0.117839
37 0.062605 0.084041 0.100537 0.109518 0.116190 0.119287 0.135180
38 0.066102 0.087378 0.103743 0.114161 0.122171 0.135180 0.146703
39 0.067846 0.090709 0.110145 0.121882 0.132615 0.143825 0.162507
40 0.071327 0.097353 0.118122 0.135732 0.144516 0.153892 0.176836
41 0.076532 0.107278 0.132424 0.149527 0.159345 0.173972 0.191131
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.047017
5 0.041678 0.041678 0.041678 0.041678 0.048072 0.057533
6 0.041678 0.041678 0.041678 0.048072 0.058581 0.063809
7 0.041678 0.041678 0.048072 0.058581 0.063809 0.066938
8 0.041678 0.049127 0.059627 0.064852 0.066938 0.071103
9 0.050180 0.059627 0.064852 0.067980 0.071103 0.070063
10 0.060674 0.065896 0.067980 0.071103 0.070063 0.069022
11 0.067980 0.069022 0.071103 0.071103 0.069022 0.069022
12 0.071103 0.073182 0.071103 0.069022 0.069022 0.069022
13 0.073182 0.071103 0.069022 0.069022 0.067980 0.071103
14 0.072143 0.069022 0.069022 0.067980 0.071103 0.073182
15 0.070063 0.069022 0.067980 0.071103 0.073182 0.079408
16 0.070063 0.069022 0.071103 0.072143 0.079408 0.084582
17 0.069022 0.071103 0.071103 0.078372 0.084582 0.087682
18 0.098967 0.098967 0.107689 0.114942 0.114942 0.116391
19 0.098967 0.107689 0.110592 0.112042 0.112042 0.110592
20 0.097511 0.106237 0.107689 0.107689 0.107689 0.107689
21 0.096055 0.100422 0.101877 0.103331 0.103331 0.104784
22 0.096055 0.098967 0.098967 0.100422 0.101877 0.100422
23 0.093140 0.093140 0.096055 0.094597 0.098967 0.100422
24 0.091681 0.093140 0.093140 0.096055 0.096055 0.101877
25 0.093140 0.093140 0.094597 0.096055 0.101877 0.101877
26 0.093140 0.094597 0.094597 0.097511 0.098967 0.100422
27 0.094597 0.093140 0.096055 0.096055 0.100422 0.104784
28 0.094597 0.096055 0.094597 0.100422 0.104784 0.106237
29 0.096055 0.096055 0.100422 0.103331 0.107689 0.114942
30 0.097511 0.101877 0.103331 0.107689 0.114942 0.125072
31 0.098967 0.104784 0.109141 0.114942 0.125072 0.133737
32 0.100422 0.107689 0.116391 0.125072 0.133737 0.148142
33 0.104784 0.114942 0.123627 0.133737 0.148142 0.163941
34 0.114942 0.123627 0.135180 0.148142 0.165375 0.185417
35 0.123627 0.136621 0.149580 0.165375 0.183987 0.203970
36 0.135180 0.146703 0.163941 0.182557 0.206821 0.223900
37 0.146703 0.162507 0.182557 0.206821 0.222477 0.245197
38 0.163941 0.183987 0.208246 0.225320 0.245197 0.270687
39 0.183987 0.209670 0.225320 0.245197 0.270687 0.301754
40 0.203970 0.228163 0.246615 0.269273 0.304575 0.338360
41 0.219633 0.249450 0.269273 0.300344 0.339767 0.383273
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.050180 0.082916 0.091681 0.096055
1 0.041678 0.041678 0.049127 0.056485 0.093140 0.096055 0.097511
2 0.041678 0.048072 0.056485 0.063809 0.097511 0.098967 0.097511
3 0.048072 0.056485 0.063809 0.065896 0.098967 0.098967 0.098967
4 0.057533 0.062764 0.065896 0.070063 0.100422 0.100422 0.100422
5 0.063809 0.066938 0.070063 0.069022 0.101877 0.101877 0.100422
6 0.066938 0.070063 0.069022 0.069022 0.096055 0.101877 0.104784
7 0.071103 0.069022 0.069022 0.069022 0.096055 0.106237 0.109141
8 0.070063 0.069022 0.069022 0.069022 0.101877 0.107689 0.116391
9 0.069022 0.069022 0.069022 0.073182 0.107689 0.116391 0.123627
10 0.069022 0.070063 0.072143 0.076297 0.116391 0.123627 0.127962
11 0.069022 0.071103 0.075259 0.082514 0.123627 0.127962 0.129406
12 0.071103 0.074222 0.081479 0.087682 0.127962 0.129406 0.129406
13 0.073182 0.080444 0.087682 0.091808 0.129406 0.129406 0.126517
14 0.080444 0.086649 0.090777 0.093869 0.129406 0.126517 0.129406
15 0.084582 0.090777 0.094899 0.092839 0.126517 0.127962 0.129406
16 0.088714 0.093869 0.092839 0.090777 0.126517 0.127962 0.125072
17 0.091808 0.091808 0.090777 0.089746 0.126517 0.122180 0.127962
18 0.120734 0.123627 0.123627 0.123627 0.120734 0.125072 0.127962
19 0.113492 0.117839 0.119287 0.117839 0.120734 0.122180 0.126517
20 0.107689 0.112042 0.113492 0.116391 0.117839 0.122180 0.125072
21 0.106237 0.109141 0.110592 0.113492 0.119287 0.122180 0.125072
22 0.104784 0.106237 0.110592 0.114942 0.119287 0.125072 0.126517
23 0.103331 0.104784 0.112042 0.116391 0.122180 0.125072 0.129406
24 0.103331 0.106237 0.113492 0.119287 0.123627 0.129406 0.138063
25 0.101877 0.107689 0.116391 0.122180 0.129406 0.138063 0.153892
26 0.104784 0.110592 0.120734 0.129406 0.138063 0.153892 0.168242
27 0.109141 0.116391 0.129406 0.138063 0.153892 0.168242 0.191131
28 0.116391 0.125072 0.136621 0.153892 0.168242 0.191131 0.211094
29 0.125072 0.133737 0.153892 0.168242 0.191131 0.211094 0.231005
30 0.133737 0.148142 0.168242 0.191131 0.211094 0.231005 0.257950
31 0.149580 0.165375 0.191131 0.211094 0.231005 0.257950 0.281995
32 0.165375 0.188274 0.209670 0.231005 0.255118 0.281995 0.304575
33 0.186845 0.208246 0.231005 0.252285 0.279169 0.304575 0.339767
34 0.205396 0.226742 0.252285 0.276342 0.303164 0.339767 0.383273
35 0.223900 0.248033 0.274929 0.303164 0.339767 0.384674 0.440623
36 0.245197 0.270687 0.303164 0.339767 0.384674 0.442019 0.503355
37 0.270687 0.300344 0.338360 0.386075 0.444812 0.506139 0.579777
38 0.301754 0.338360 0.388877 0.446207 0.510313 0.585325 0.653200
39 0.339767 0.388877 0.448999 0.515878 0.589485 0.658734 0.723682
40 0.387477 0.447603 0.518660 0.595032 0.664266 0.729204 0.795398
41 0.443415 0.522832 0.600577 0.668415 0.733344 0.799531 0.875238
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.096055 0.096055 0.096055 0.096055 0.096055 0.098967
1 0.097511 0.097511 0.097511 0.097511 0.098967 0.103331
2 0.098967 0.098967 0.097511 0.100422 0.104784 0.110592
3 0.098967 0.098967 0.101877 0.104784 0.112042 0.117839
4 0.100422 0.101877 0.106237 0.112042 0.119287 0.122180
5 0.103331 0.107689 0.113492 0.120734 0.122180 0.123627
6 0.107689 0.114942 0.120734 0.123627 0.125072 0.123627
7 0.116391 0.122180 0.125072 0.126517 0.125072 0.123627
8 0.123627 0.126517 0.127962 0.126517 0.123627 0.123627
9 0.127962 0.129406 0.127962 0.125072 0.125072 0.126517
10 0.129406 0.127962 0.126517 0.126517 0.127962 0.127962
11 0.127962 0.127962 0.127962 0.129406 0.129406 0.129406
12 0.126517 0.129406 0.130850 0.130850 0.129406 0.127962
13 0.129406 0.132294 0.132294 0.130850 0.129406 0.126517
14 0.130850 0.130850 0.132294 0.130850 0.127962 0.125072
15 0.127962 0.132294 0.130850 0.129406 0.126517 0.125072
16 0.129406 0.130850 0.130850 0.126517 0.126517 0.126517
17 0.130850 0.130850 0.127962 0.126517 0.127962 0.132294
18 0.130850 0.126517 0.127962 0.129406 0.133737 0.140945
19 0.126517 0.125072 0.130850 0.135180 0.142385 0.153892
20 0.125072 0.129406 0.130850 0.143825 0.155329 0.168242
21 0.127962 0.130850 0.142385 0.156765 0.169675 0.188274
22 0.129406 0.140945 0.153892 0.172540 0.189703 0.209670
23 0.139504 0.153892 0.169675 0.191131 0.211094 0.233845
24 0.153892 0.168242 0.191131 0.211094 0.236685 0.259367
25 0.168242 0.191131 0.211094 0.233845 0.262198 0.283407
26 0.191131 0.211094 0.232425 0.262198 0.286232 0.307393
27 0.211094 0.232425 0.260782 0.286232 0.311621 0.339767
28 0.232425 0.259367 0.283407 0.311621 0.343983 0.377667
29 0.259367 0.281995 0.307393 0.339767 0.381872 0.428051
30 0.281995 0.304575 0.339767 0.381872 0.432242 0.481073
31 0.304575 0.339767 0.381872 0.432242 0.486646 0.549238
32 0.339767 0.381872 0.436433 0.488039 0.554793 0.622746
33 0.381872 0.436433 0.490825 0.558959 0.628286 0.698823
34 0.437829 0.496395 0.564512 0.632440 0.698823 0.784374
35 0.499179 0.570064 0.636593 0.705730 0.784374 0.868361
36 0.574227 0.642130 0.711255 0.784374 0.868361 0.945328
37 0.647665 0.715398 0.780238 0.872487 0.935714 1.041382
38 0.719540 0.784374 0.868361 0.935714 1.009839 1.137290
39 0.789886 0.868361 0.939835 1.009839 1.081132 1.241279
40 0.872487 0.945328 1.009839 1.079761 1.179723 1.364271
41 0.949449 1.008467 1.079761 1.178354 1.309627 1.480308
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.081719 0.122084 0.148236 0.166321 0.178554 0.183987 0.203970
43 0.097180 0.131906 0.159260 0.183049 0.193282 0.202545 0.226742
44 0.110813 0.143321 0.174950 0.199718 0.209439 0.226742 0.249450
45 0.127733 0.159552 0.190581 0.217842 0.229944 0.250868 0.277756
46 0.151227 0.177315 0.206156 0.237411 0.263502 0.280582 0.311621
47 0.174530 0.193389 0.224779 0.258418 0.292569 0.314438 0.339767
48 0.179502 0.207800 0.243335 0.282346 0.321543 0.342577 0.376264
49 0.186119 0.223758 0.264909 0.309175 0.346106 0.377667 0.423858
50 0.191075 0.241249 0.289474 0.328498 0.376372 0.423858 0.481073
51 0.199318 0.261843 0.306311 0.353703 0.416611 0.479680 0.543681
52 0.204256 0.271321 0.329208 0.387700 0.465313 0.540903 0.618591
53 0.209187 0.288659 0.361152 0.431886 0.512439 0.599191 0.678094
54 0.217393 0.312224 0.402055 0.478840 0.570813 0.653200 0.715398
55 0.230488 0.343516 0.444293 0.538768 0.624764 0.683623 0.759558
56 0.250061 0.373121 0.498364 0.594107 0.654523 0.720921 0.791264
57 0.267933 0.416555 0.549217 0.626066 0.694143 0.744383 0.851852
58 0.326016 0.476716 0.586491 0.681143 0.736527 0.817438 0.934341
59 0.388348 0.513566 0.638523 0.721633 0.819702 0.899987 1.019441
60 0.437531 0.567099 0.677070 0.808163 0.894235 0.990631 1.103052
61 0.483291 0.608245 0.762774 0.884360 0.996656 1.075651 1.164668
62 0.527272 0.697751 0.836376 0.990432 1.090446 1.144135 1.187933
63 0.567951 0.738546 0.918539 1.071916 1.151946 1.190669 1.358808
64 0.602261 0.806334 0.987304 1.124719 1.170103 1.341051 1.459838
65 0.636479 0.858897 1.036948 1.128997 1.294264 1.472121 1.588068
66 0.665959 0.899357 1.031112 1.204514 1.394546 1.562158 1.836100
67 0.693832 0.890372 1.074859 1.268540 1.528066 1.834738 2.199670
68 0.734000 0.941241 1.147646 1.380754 1.641972 1.939611 2.303138
69 0.798676 1.023305 1.255112 1.494179 1.758544 2.055354 2.414780
70 0.869239 1.112548 1.362306 1.613079 1.887498 2.181971 2.520989
71 0.962425 1.217818 1.482257 1.744522 2.031598 2.309945 2.617681
72 1.065844 1.344904 1.617797 2.094260 2.352785 2.436566 2.946054
73 1.120423 1.622865 2.134648 2.350423 2.473175 2.894256 3.233843
74 1.224730 1.782501 2.343546 2.520578 2.837076 3.175167 3.427716
75 1.345227 1.954879 2.566455 2.832582 3.112500 3.362162 3.926929
76 1.474301 2.139981 2.820534 3.105160 3.425498 3.855723 5.044565
77 1.611925 2.350883 3.091547 3.415719 3.852593 4.896960 6.075763
78 1.769991 2.574473 3.399535 3.843197 4.999667 5.832409 6.538877
79 1.936506 2.828170 3.741760 4.659087 5.483787 6.270819 7.238657
80 2.126283 3.110521 4.101269 5.107115 5.986499 6.946409 8.067890
81 2.336273 3.407108 4.491107 5.570497 6.636791 7.754901 9.225023
82 2.556115 3.728159 4.895788 6.497289 7.668255 9.025717 ########
83 2.793205 4.586029 5.844018 7.489617 8.811949 ######## ########
84 3.668340 5.562014 6.872909 8.589108 9.932088 ######## ########
85 4.669714 6.625722 8.017533 9.801169 ######## ######## ########
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
42 0.238104 0.272101 0.296112 0.338360 0.380470 0.439226
43 0.259367 0.297523 0.334142 0.376264 0.433639 0.522832
44 0.284820 0.327109 0.367851 0.433639 0.507530 0.586711
45 0.315847 0.348198 0.405678 0.485253 0.570064 0.653200
46 0.339767 0.381872 0.448999 0.545070 0.637977 0.729204
47 0.373461 0.425256 0.500572 0.607506 0.716778 0.794020
48 0.421063 0.483860 0.564512 0.686388 0.787130 0.861483
49 0.478286 0.547849 0.639361 0.754040 0.861483 0.910983
50 0.540903 0.625516 0.715398 0.824323 0.893114 0.967298
51 0.617206 0.702967 0.777482 0.887614 0.953568 1.035897
52 0.691915 0.765074 0.838089 0.949449 1.019441 1.123597
53 0.741624 0.827077 0.901362 1.004352 1.118119 1.167405
54 0.794020 0.888989 0.985142 1.109901 1.164668 1.295961
55 0.843595 0.970043 1.098942 1.166037 1.286394 1.380660
56 0.910983 1.082502 1.168774 1.272725 1.371101 1.392950
57 1.008467 1.172880 1.252218 1.349247 1.368369 1.592159
58 1.078391 1.249484 1.335587 1.343783 1.568977 1.731194
59 1.160562 1.274092 1.331488 1.566249 1.678045 1.893307
60 1.204350 1.263156 1.401142 1.638515 1.833376 2.077138
61 1.212558 1.343783 1.458474 1.702577 2.040376 2.334451
62 1.341051 1.451650 1.657599 2.002251 2.294970 2.526435
63 1.455744 1.624881 1.905564 2.285439 2.482861 2.707580
64 1.612611 1.883773 2.244597 2.437927 2.658542 3.060586
65 1.860618 2.224175 2.391634 2.608147 3.007405 3.359431
66 2.202393 2.368488 2.556395 2.910613 3.300724 3.649118
67 2.342620 2.593165 2.853370 3.192904 3.532919 4.117417
68 2.628577 2.781149 3.085135 3.414057 4.131130 4.783955
69 2.745725 3.112414 3.292533 4.147588 4.708211 5.688027
70 2.856096 3.263868 3.670999 4.519720 5.331981 6.554254
71 2.971956 3.401765 3.877629 4.930053 6.315450 7.616418
72 3.288438 3.547952 4.092737 5.354116 7.574062 8.421712
73 3.490558 4.055724 4.823910 7.008163 8.045198 9.093062
74 3.992684 4.923158 6.737550 7.661616 8.781093 9.629210
75 5.023862 6.614386 7.363955 8.461578 9.397419 10.524302
76 6.396391 7.134592 8.137418 9.050070 10.274316 11.351775
77 6.891702 7.886493 8.806814 10.017765 11.341495 12.428854
78 7.517615 8.649737 9.757588 11.197699 12.348622 13.580920
79 8.366210 9.590298 10.916635 12.194307 13.573390 14.106627
80 9.413238 10.742867 12.035819 13.564355 14.094506 15.347433
81 10.559237 12.000309 13.395869 14.079357 15.335136 16.708065
82 11.734432 13.367319 14.061181 15.502845 16.695568 18.307363
83 13.331268 14.023329 15.487445 16.681511 18.404558 19.897461
84 13.977927 15.453575 16.665895 18.393399 20.121793 21.770987
85 15.795976 17.036780 18.380648 20.348372 22.013851 24.607102
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.522832 0.606120 0.673946 0.738865 0.805042 0.875238 0.953568
43 0.606120 0.680859 0.745763 0.809174 0.875238 0.953568 1.007095
44 0.672564 0.751282 0.813307 0.879364 0.952195 1.005724 1.075651
45 0.749902 0.817438 0.883489 0.952195 1.005724 1.074280 1.148243
46 0.805042 0.887614 0.950821 1.004352 1.072909 1.146873 1.205718
47 0.879364 0.945328 1.008467 1.071539 1.138659 1.196142 1.308260
48 0.926097 0.997492 1.070169 1.142766 1.200247 1.290494 1.435271
49 0.978279 1.059204 1.141397 1.205718 1.294594 1.432541 1.611248
50 1.041382 1.129074 1.209822 1.300061 1.429811 1.590795 1.773434
51 1.120858 1.181091 1.312360 1.427081 1.570340 1.750272 1.870153
52 1.161931 1.283660 1.422986 1.548519 1.728470 1.866067 2.047184
53 1.291861 1.379294 1.526695 1.703940 1.861981 2.043099 2.274548
54 1.379294 1.477579 1.679407 1.857894 2.039014 2.269103 2.488307
55 1.417525 1.642604 1.852446 2.033568 2.265018 2.452904 2.698045
56 1.618065 1.811580 2.040376 2.259572 2.447458 2.691233 2.917428
57 1.761172 2.007698 2.225536 2.440650 2.685785 2.910613 3.228383
58 1.950506 2.175164 2.435204 2.644921 2.903798 3.220196 3.680572
59 2.112537 2.380742 2.604061 2.895620 3.212008 3.673733 4.102335
60 2.372573 2.578184 2.868361 3.203821 3.621770 4.047500 4.504597
61 2.535968 2.839742 3.195634 3.569821 4.039277 4.497723 5.025242
62 2.755262 3.162888 3.538386 4.031053 4.489475 5.016962 5.769914
63 3.112414 3.516520 3.972132 4.481227 5.008683 5.796296 6.559847
64 3.415423 3.922820 4.471606 5.000404 5.822686 6.592008 7.438642
65 3.762652 4.416638 5.019722 5.849080 6.622779 7.476711 8.219780
66 4.295780 4.990745 5.875480 6.654959 7.513384 8.296522 8.972735
67 4.858363 5.842133 6.687148 7.551480 8.374747 9.057234 9.819676
68 5.765749 6.717946 7.588178 8.453034 9.141808 9.912162 10.613122
69 6.636769 7.626303 8.531383 9.227893 10.006186 10.713695 11.459049
70 7.622066 8.611220 9.314055 10.100307 10.815838 11.569396 12.348622
71 8.517133 9.401733 10.195971 10.918096 11.679878 12.467510 13.251711
72 9.299690 10.291734 11.021932 11.790497 12.586557 13.394366 14.244624
73 9.854347 11.008763 11.752133 12.519574 13.451493 14.305353 15.218396
74 10.769131 11.622411 12.516598 13.523708 14.303834 15.216861 16.015717
75 11.488462 12.512134 13.594476 14.300797 15.213791 16.190989 17.530703
76 12.506182 13.591463 14.296240 15.209186 16.186331 17.724981 18.829731
77 13.586945 14.288648 15.201513 16.363514 17.823082 19.039927 20.188561
78 14.281056 15.193839 16.355735 17.818333 19.035107 20.397356 22.706492
79 15.358196 16.534834 18.016456 19.247436 20.606685 22.967342 24.796544
80 16.525480 18.113312 19.463541 20.834609 23.230726 25.085006 27.188849
81 18.210281 19.681835 21.064817 23.498362 25.377981 27.511033
82 19.790388 21.297327 23.770292 25.675514 27.839893
83 21.532157 24.046557 25.977653 28.171914
84 24.325485 26.282691 28.507128
85 26.592421 28.849200
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 1.008467 1.078391 1.166037 1.295961 1.392950 1.585340
43 1.077020 1.157824 1.280927 1.376563 1.507596 1.721656
44 1.150980 1.252218 1.360175 1.474850 1.637151 1.894669
45 1.222133 1.358808 1.457109 1.618065 1.800682 2.116622
46 1.326023 1.439366 1.616702 1.799319 1.969570 2.346705
47 1.436636 1.615338 1.797957 1.904203 2.135682 2.575460
48 1.613974 1.815667 1.879687 2.109814 2.343982 2.817939
49 1.795233 1.876963 2.082584 2.341259 2.535968 3.091954
50 1.872877 2.055354 2.338536 2.533244 2.782512 3.407228
51 2.051269 2.308584 2.515542 2.779786 3.031948 3.748970
52 2.278632 2.497839 2.744363 2.993770 3.334854 4.074915
53 2.492392 2.707580 2.954234 3.292533 3.705192 4.489475
54 2.703494 2.948780 3.248855 3.742129 4.172276 4.932812
55 2.941965 3.242031 3.738024 4.169533 4.533471 5.439932
56 3.235207 3.733920 4.165418 4.527970 4.997645 6.004789
57 3.728448 4.159931 4.523845 4.993505 5.638090 6.534684
58 4.155817 4.518346 5.043184 5.664443 6.401975 7.178175
59 4.511471 5.037663 5.690802 6.432694 7.178175 7.848271
60 5.032142 5.717167 6.464817 7.252729 7.848271 8.565591
61 5.743538 6.496951 7.327335 7.920481 8.565591 9.272401
62 6.527695 7.363955 7.995576 8.645457 9.360040 10.019213
63 7.401996 8.069309 8.725388 9.457831 10.113345 10.802700
64 8.144516 8.806814 9.547083 10.220628 10.906404 11.625357
65 8.889738 9.636418 10.316417 11.021932 11.735908 12.483869
66 9.727280 10.413760 11.137607 11.861364 12.591025 13.413906
67 10.512660 11.244627 11.975164 12.725151 13.543276 14.487279
68 11.351775 12.102439 12.849027 13.674348 14.574591 15.507465
69 12.218031 12.986540 13.822229 14.717919 15.677059 16.687758
70 13.110785 13.955235 14.876774 15.829984 16.870696 18.014869
71 14.106627 15.022142 15.986282 17.019529 18.215053 19.513617
72 15.186167 16.161493 17.189050 18.377460 19.732043 21.209852
73 16.018815 17.321138 18.417314 19.382839 21.451047 23.141146
74 17.473927 18.623266 19.581509 21.696277 23.406792 25.344989
75 18.831334 19.782282 21.943912 23.676713 25.642400
76 19.983545 22.193972 23.950950 25.942665
77 22.448153 24.229548 26.247570
78 24.510829 26.557164
79 26.871498
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.075314 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.057068 0.054646 0.054051 0.051554 0.045705 0.043361 0.046559
19 0.055084 0.056549 0.055874 0.048050 0.044026 0.041759 0.044961
20 0.055084 0.054646 0.050395 0.046293 0.042342 0.041759 0.046559
21 0.049103 0.048912 0.044880 0.042769 0.042342 0.043361 0.048155
22 0.041678 0.041678 0.043033 0.042769 0.044026 0.046559 0.049749
23 0.041678 0.041678 0.041678 0.046293 0.049056 0.048155 0.048155
24 0.041678 0.041678 0.043033 0.049804 0.052397 0.048155 0.048155
25 0.041678 0.041678 0.044880 0.049804 0.050728 0.048155 0.051340
26 0.041678 0.041678 0.044880 0.048050 0.050728 0.051340 0.054517
27 0.041678 0.041678 0.041678 0.046293 0.052397 0.056103 0.059269
28 0.041678 0.041678 0.041678 0.046293 0.052397 0.057687 0.060849
29 0.041678 0.041678 0.041678 0.048050 0.054063 0.057687 0.062428
30 0.041678 0.041678 0.043033 0.048050 0.054063 0.059269 0.064004
31 0.041678 0.041678 0.044880 0.049804 0.055727 0.059269 0.067153
32 0.041678 0.041678 0.046723 0.051554 0.055727 0.062428 0.070297
33 0.041678 0.043135 0.050395 0.055046 0.060705 0.067153 0.073434
34 0.041678 0.045067 0.054051 0.060260 0.067313 0.070297 0.079694
35 0.041678 0.048912 0.057694 0.065452 0.072248 0.076566 0.087490
36 0.041678 0.050828 0.061323 0.070622 0.078805 0.085933 0.096808
37 0.041678 0.054646 0.066743 0.079193 0.088592 0.095257 0.106091
38 0.043073 0.056549 0.070342 0.086016 0.098329 0.106091 0.116879
39 0.043073 0.060343 0.075721 0.094503 0.108020 0.115340 0.127627
40 0.045089 0.064121 0.084636 0.102951 0.117671 0.127627 0.141395
41 0.049103 0.071636 0.093496 0.114716 0.130482 0.142921 0.156630
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.048155 0.052930 0.056103 0.057687 0.054517 0.052930
19 0.051340 0.056103 0.056103 0.054517 0.051340 0.054517
20 0.052930 0.056103 0.054517 0.052930 0.052930 0.056103
21 0.052930 0.052930 0.051340 0.052930 0.054517 0.057687
22 0.048155 0.051340 0.052930 0.054517 0.057687 0.060849
23 0.048155 0.051340 0.054517 0.057687 0.060849 0.062428
24 0.051340 0.054517 0.057687 0.060849 0.062428 0.065580
25 0.054517 0.057687 0.060849 0.064004 0.065580 0.070297
26 0.057687 0.060849 0.062428 0.065580 0.068726 0.075002
27 0.062428 0.064004 0.065580 0.070297 0.075002 0.079694
28 0.064004 0.067153 0.070297 0.075002 0.079694 0.085933
29 0.067153 0.070297 0.076566 0.079694 0.085933 0.092154
30 0.071866 0.076566 0.081255 0.085933 0.093706 0.103000
31 0.075002 0.081255 0.087490 0.093706 0.104546 0.113801
32 0.079694 0.087490 0.093706 0.104546 0.115340 0.126094
33 0.084375 0.095257 0.106091 0.115340 0.127627 0.139868
34 0.090600 0.104546 0.115340 0.127627 0.139868 0.155109
35 0.099906 0.113801 0.126094 0.138340 0.155109 0.170291
36 0.110719 0.126094 0.136812 0.153587 0.170291 0.188441
37 0.121490 0.138340 0.152066 0.167259 0.186930 0.208025
38 0.132223 0.152066 0.167259 0.186930 0.206521 0.227539
39 0.145972 0.164225 0.183910 0.208025 0.227539 0.249975
40 0.159670 0.179375 0.202007 0.229037 0.252960 0.278285
41 0.173321 0.194475 0.220042 0.254453 0.279772 0.307968
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041759 0.046559
1 0.041678 0.041678 0.041678 0.041678 0.041759 0.046559 0.051340
2 0.041678 0.041678 0.041678 0.041678 0.046559 0.051340 0.054517
3 0.041678 0.041678 0.041678 0.041678 0.052930 0.056103 0.052930
4 0.041678 0.041678 0.041678 0.041678 0.056103 0.054517 0.051340
5 0.041678 0.041678 0.041678 0.041678 0.054517 0.052930 0.051340
6 0.041678 0.041678 0.041678 0.041678 0.052930 0.052930 0.052930
7 0.041678 0.041678 0.041678 0.041678 0.052930 0.054517 0.057687
8 0.041678 0.041678 0.041678 0.041678 0.054517 0.059269 0.062428
9 0.041678 0.041678 0.041678 0.041678 0.059269 0.062428 0.065580
10 0.041678 0.041678 0.041678 0.041678 0.064004 0.065580 0.062428
11 0.041678 0.041678 0.042307 0.044501 0.065580 0.062428 0.060849
12 0.041678 0.041678 0.045597 0.046691 0.064004 0.060849 0.060849
13 0.041678 0.041678 0.046691 0.044501 0.060849 0.060849 0.062428
14 0.041678 0.044501 0.044501 0.043405 0.062428 0.064004 0.065580
15 0.044501 0.042307 0.043405 0.043405 0.064004 0.065580 0.067153
16 0.041678 0.041678 0.043405 0.044501 0.065580 0.067153 0.068726
17 0.041678 0.041678 0.045597 0.046691 0.067153 0.068726 0.071866
18 0.059269 0.060849 0.067153 0.068726 0.070297 0.071866 0.073434
19 0.059269 0.060849 0.068726 0.070297 0.071866 0.075002 0.078130
20 0.060849 0.060849 0.071866 0.073434 0.075002 0.078130 0.079694
21 0.060849 0.064004 0.065580 0.075002 0.078130 0.081255 0.084375
22 0.062428 0.065580 0.068726 0.073434 0.078130 0.084375 0.090600
23 0.065580 0.068726 0.073434 0.078130 0.084375 0.092154 0.098358
24 0.070297 0.075002 0.078130 0.084375 0.090600 0.099906 0.109177
25 0.075002 0.078130 0.084375 0.092154 0.099906 0.109177 0.118417
26 0.078130 0.084375 0.092154 0.101454 0.109177 0.119953 0.130692
27 0.084375 0.093706 0.101454 0.110719 0.121490 0.132223 0.144447
28 0.092154 0.103000 0.112260 0.121490 0.133753 0.145972 0.159670
29 0.103000 0.112260 0.123026 0.133753 0.147496 0.161189 0.176349
30 0.113801 0.124560 0.135283 0.149020 0.162707 0.177862 0.194475
31 0.126094 0.136812 0.150543 0.164225 0.179375 0.195982 0.214037
32 0.138340 0.152066 0.165743 0.182399 0.197489 0.215538 0.235026
33 0.153587 0.167259 0.183910 0.200501 0.217040 0.236523 0.260419
34 0.168776 0.185421 0.202007 0.218541 0.239515 0.263400 0.288687
35 0.186930 0.203512 0.221542 0.241010 0.266379 0.291656 0.313892
36 0.205017 0.223041 0.244000 0.267868 0.294625 0.316852 0.339021
37 0.226040 0.245494 0.270846 0.297592 0.319811 0.341973 0.365554
38 0.248482 0.273823 0.300558 0.322769 0.346399 0.368498 0.399356
39 0.275310 0.303523 0.325726 0.349348 0.371440 0.402290 0.441830
40 0.306487 0.328683 0.352297 0.374383 0.405224 0.444754 0.489988
41 0.331638 0.355245 0.377324 0.409623 0.449138 0.489988 0.517639
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.051340 0.054517 0.051340 0.049749 0.049749 0.051340
1 0.054517 0.052930 0.051340 0.049749 0.051340 0.054517
2 0.052930 0.051340 0.049749 0.051340 0.056103 0.059269
3 0.051340 0.051340 0.051340 0.056103 0.059269 0.060849
4 0.051340 0.052930 0.056103 0.060849 0.062428 0.059269
5 0.052930 0.057687 0.060849 0.062428 0.059269 0.057687
6 0.057687 0.060849 0.062428 0.059269 0.057687 0.057687
7 0.062428 0.064004 0.060849 0.057687 0.057687 0.059269
8 0.064004 0.060849 0.059269 0.057687 0.059269 0.060849
9 0.060849 0.059269 0.059269 0.060849 0.062428 0.062428
10 0.059269 0.059269 0.060849 0.062428 0.064004 0.065580
11 0.060849 0.060849 0.062428 0.064004 0.065580 0.067153
12 0.062428 0.064004 0.064004 0.065580 0.067153 0.070297
13 0.064004 0.065580 0.067153 0.068726 0.070297 0.073434
14 0.065580 0.067153 0.068726 0.071866 0.073434 0.075002
15 0.068726 0.070297 0.071866 0.075002 0.076566 0.079694
16 0.070297 0.073434 0.075002 0.076566 0.079694 0.085933
17 0.073434 0.076566 0.078130 0.081255 0.085933 0.093706
18 0.076566 0.078130 0.081255 0.087490 0.093706 0.103000
19 0.079694 0.082815 0.087490 0.095257 0.103000 0.112260
20 0.082815 0.089046 0.096808 0.104546 0.113801 0.123026
21 0.089046 0.096808 0.106091 0.113801 0.124560 0.136812
22 0.098358 0.106091 0.115340 0.126094 0.138340 0.150543
23 0.107634 0.116879 0.127627 0.139868 0.152066 0.167259
24 0.118417 0.127627 0.141395 0.153587 0.168776 0.183910
25 0.129160 0.142921 0.155109 0.170291 0.185421 0.202007
26 0.144447 0.156630 0.171807 0.186930 0.203512 0.221542
27 0.158150 0.173321 0.189949 0.205017 0.223041 0.245494
28 0.174835 0.191458 0.208025 0.226040 0.248482 0.272335
29 0.192967 0.209528 0.227539 0.251468 0.275310 0.297592
30 0.211032 0.230535 0.252960 0.278285 0.299075 0.321290
31 0.232033 0.255944 0.281259 0.302040 0.324248 0.346399
32 0.258928 0.282745 0.305005 0.327205 0.350823 0.380264
33 0.285717 0.307968 0.330160 0.353770 0.383204 0.421344
34 0.310931 0.333115 0.356718 0.387611 0.425737 0.466661
35 0.336069 0.361137 0.390548 0.430128 0.471037 0.513277
36 0.362610 0.394953 0.433055 0.475413 0.519093 0.553946
37 0.397889 0.437443 0.479787 0.523454 0.558297 0.594514
38 0.440368 0.482702 0.523454 0.558297 0.594514 0.640766
39 0.487074 0.513277 0.553946 0.600302 0.640766 0.694110
40 0.517639 0.552496 0.588725 0.634991 0.688349 0.751632
41 0.552496 0.588725 0.630658 0.694110 0.740139 0.810451
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.053096 0.079101 0.102308 0.126419 0.144825 0.158150 0.173321
43 0.057068 0.088370 0.114571 0.141382 0.160686 0.173321 0.188441
44 0.062991 0.097577 0.128493 0.157911 0.178049 0.189949 0.205017
45 0.070831 0.110376 0.144051 0.175989 0.196903 0.206521 0.223041
46 0.080548 0.123081 0.162934 0.195601 0.215675 0.226040 0.245494
47 0.088264 0.137499 0.181691 0.216732 0.239037 0.249975 0.269358
48 0.097845 0.148250 0.191874 0.228065 0.253004 0.267868 0.287202
49 0.109258 0.157170 0.202026 0.240983 0.268482 0.281259 0.305005
50 0.120589 0.169606 0.213833 0.253864 0.279293 0.296108 0.325726
51 0.131847 0.183748 0.227280 0.261899 0.290085 0.312411 0.352297
52 0.146757 0.197820 0.235661 0.269920 0.300860 0.331638 0.380264
53 0.152322 0.204832 0.249036 0.287524 0.328489 0.368498 0.421344
54 0.152322 0.211830 0.262369 0.311443 0.359068 0.405224 0.463742
55 0.156023 0.220556 0.280640 0.335269 0.389535 0.441830 0.507458
56 0.156023 0.230998 0.298844 0.355849 0.418384 0.479787 0.555397
57 0.159719 0.241411 0.312043 0.377945 0.450170 0.520547 0.590173
58 0.163408 0.258704 0.346544 0.423518 0.496922 0.549593 0.632103
59 0.165252 0.277641 0.384110 0.471967 0.531490 0.598855 0.676824
60 0.167093 0.301628 0.424711 0.506202 0.586908 0.652312 0.720013
61 0.170771 0.325496 0.447352 0.565079 0.648071 0.707065 0.765991
62 0.174444 0.330596 0.494055 0.628280 0.711973 0.764555 0.824777
63 0.178112 0.364475 0.529323 0.658999 0.735693 0.796117 0.879149
64 0.207276 0.399840 0.566058 0.688122 0.768259 0.841958 0.927714
65 0.236162 0.438352 0.604255 0.727884 0.815537 0.880579 0.983332
66 0.270153 0.479981 0.653403 0.784300 0.858293 0.924859 1.040286
67 0.305621 0.531299 0.719685 0.837499 0.906852 1.003276 1.134079
68 0.361805 0.613457 0.812269 0.954036 1.035905 1.118461 1.230507
69 0.432948 0.699838 0.921430 1.084990 1.167322 1.255999 1.321093
70 0.475938 0.686842 0.988165 1.090995 1.177522 1.265910 1.408713
71 0.530593 0.738745 1.036141 1.122498 1.285186 1.384701 1.569521
72 0.605150 0.830690 1.094806 1.212317 1.407066 1.545564 1.769384
73 0.675761 0.918863 1.167163 1.324233 1.553211 1.727195 2.131617
74 0.754221 1.016110 1.259238 1.464012 1.749424 2.032024 2.446916
75 0.825550 1.108107 1.408995 1.650652 1.985338 2.354469 2.827706
76 0.908011 1.228049 1.606625 1.889626 2.277992 2.673738 3.241999
77 0.998188 1.413114 1.841009 2.209853 2.655817 3.071233 3.646699
78 1.122001 1.612529 2.131354 2.527468 3.038739 3.491220 4.025189
79 1.280486 1.844783 2.433864 2.906983 3.471336 3.905983 4.461831
80 1.465058 2.115707 2.781493 3.297408 3.835399 4.297466 4.965604
81 1.673783 2.423465 3.175647 3.635033 4.226801 4.762806 5.537283
82 1.906415 2.751151 3.522958 3.984157 4.658670 5.333785 6.257444
83 2.148653 3.095845 3.875757 4.408965 5.287729 6.035899 7.881117
84 2.501976 3.397206 4.253487 5.032188 6.227191 7.796166 9.542952
85 3.074761 3.817289 4.847404 5.878771 7.894536 9.670300 ########
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
42 0.189949 0.209528 0.241010 0.273823 0.310931 0.334592
43 0.206521 0.230535 0.266379 0.310931 0.336069 0.362610
44 0.226040 0.255944 0.294625 0.334592 0.362610 0.387611
45 0.249975 0.284231 0.319811 0.361137 0.390548 0.416950
46 0.275310 0.310931 0.346399 0.387611 0.418415 0.465201
47 0.299075 0.339021 0.375853 0.421344 0.468120 0.504547
48 0.319811 0.361137 0.406690 0.457902 0.504547 0.542337
49 0.341973 0.390548 0.440368 0.491445 0.539433 0.571345
50 0.369969 0.422809 0.472496 0.523454 0.574243 0.604642
51 0.400823 0.454982 0.501637 0.555397 0.608980 0.643653
52 0.431592 0.484159 0.532172 0.585830 0.630658 0.686909
53 0.476871 0.530720 0.580037 0.620545 0.686909 0.754505
54 0.523454 0.581485 0.617654 0.675383 0.747323 0.826209
55 0.574243 0.620545 0.675383 0.734390 0.809017 0.902012
56 0.613318 0.681147 0.737265 0.794683 0.874860 0.997579
57 0.675383 0.745886 0.801851 0.859129 0.957674 1.122721
58 0.712820 0.784645 0.843390 0.920577 1.043131 1.209252
59 0.751632 0.823344 0.897727 1.004701 1.126981 1.309778
60 0.788948 0.874860 0.973356 1.085788 1.226256 1.417186
61 0.837664 0.946264 1.044553 1.182317 1.333821 1.513138
62 0.906297 1.014667 1.131239 1.287141 1.429893 1.614600
63 0.963377 1.085788 1.210669 1.367746 1.532877 1.728602
64 1.030325 1.161042 1.278650 1.452478 1.638538 1.855119
65 1.099996 1.222005 1.346544 1.535697 1.755323 1.992731
66 1.156785 1.284311 1.412950 1.625866 1.880406 2.183497
67 1.214921 1.345131 1.482109 1.722975 2.055877 2.519736
68 1.328165 1.489162 1.696245 2.067100 2.516935 3.076832
69 1.455301 1.651208 1.975889 2.509934 3.102026 3.614478
70 1.593473 1.891643 2.367077 2.952269 3.519230 4.109366
71 1.807341 2.215739 2.794115 3.384798 4.019577 4.636171
72 2.156858 2.689136 3.202804 3.912994 4.579915 5.110804
73 2.536538 3.090828 3.705546 4.415459 5.071319 5.644794
74 2.973263 3.538839 4.169710 4.872626 5.542939 6.200603
75 3.414201 3.987318 4.588353 5.330961 6.096930 6.862911
76 3.847099 4.418269 5.014929 5.875643 6.703074 8.009384
77 4.283423 4.882485 5.538697 6.522075 7.804802 9.477144
78 4.792366 5.378985 6.169351 7.500050 9.224539 11.218693
79 5.326725 6.040156 7.188933 8.828612 10.905279 12.907414
80 5.902576 7.040113 8.369030 10.502739 12.730359 14.356357
81 6.683108 8.262024 9.928412 12.073523 13.980062 15.233345
82 7.957483 9.859421 11.564483 13.596174 14.831671 15.702464
83 9.382163 11.348218 13.232141 14.763614 15.833829 17.799733
84 11.521190 13.417784 14.868815 15.965392 17.964803 20.231081
85 13.643499 15.107528 16.095584 18.133408 20.442272 23.063735
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.359664 0.380264 0.412554 0.452060 0.489988 0.523454 0.558297
43 0.384673 0.415485 0.454982 0.491445 0.527814 0.558297 0.593067
44 0.412554 0.457902 0.494357 0.527814 0.564097 0.595961 0.640766
45 0.462282 0.497269 0.527814 0.562647 0.598855 0.643653 0.708504
46 0.501637 0.532172 0.568446 0.601749 0.646540 0.711382 0.757376
47 0.537982 0.571345 0.604642 0.649426 0.714259 0.761684 0.817615
48 0.571345 0.604642 0.652312 0.714259 0.764555 0.824777 0.893440
49 0.606088 0.655197 0.714259 0.768861 0.833368 0.902012 0.973356
50 0.650869 0.715698 0.771732 0.837664 0.906297 0.977632 1.087209
51 0.704187 0.777471 0.841958 0.910582 0.987607 1.097155 1.209252
52 0.760249 0.843390 0.914866 0.997579 1.107099 1.220589 1.335234
53 0.836232 0.919150 1.003276 1.118461 1.231923 1.347958 1.491983
54 0.917722 1.013244 1.129820 1.244671 1.355026 1.506088 1.613191
55 1.018938 1.136917 1.255999 1.367746 1.518779 1.630090 1.741260
56 1.128400 1.267326 1.380463 1.531468 1.645577 1.756730 1.890238
57 1.243255 1.394590 1.546973 1.658247 1.765166 1.905687 2.058682
58 1.403064 1.556839 1.669507 1.782038 1.918326 2.067100 2.175085
59 1.518779 1.682173 1.800312 1.926752 2.083932 2.184898 2.354469
60 1.623050 1.815774 1.946408 2.097959 2.194712 2.351667 2.616342
61 1.732821 1.956236 2.107777 2.193310 2.375482 2.598143 3.057237
62 1.843879 2.110582 2.214337 2.397895 2.609343 3.071233 3.564050
63 1.963255 2.236764 2.395093 2.619142 3.083830 3.559848 4.047633
64 2.093751 2.413302 2.630342 3.097827 3.575256 4.065870 4.581322
65 2.276005 2.642941 3.110424 3.590664 4.106560 4.627732 5.154529
66 2.511334 3.123020 3.606073 4.137431 4.674153 5.178513 5.627813
67 3.082431 3.621483 4.165500 4.695257 5.202500 5.684423 6.236126
68 3.615879 4.183746 4.741694 5.196855 5.711321 6.264551 7.017234
69 4.178131 4.762806 5.249073 5.736807 6.294403 7.088745 8.160899
70 4.719178 5.243427 5.743887 6.288717 7.083023 8.173896 9.559044
71 5.225079 5.756633 6.310043 7.140260 8.221563 9.616121 11.288644
72 5.731143 6.325685 7.108776 8.279370 9.662977 11.357157 13.004409
73 6.302934 7.117362 8.318405 9.720111 11.375038 12.995311 14.382526
74 7.012944 8.311176 9.755288 11.442121 13.133388 14.536616 15.418511
75 8.208561 9.822742 11.458526 13.242783 14.692518 15.515138 15.883925
76 9.736232 11.513728 13.323394 14.766706 15.629047 16.039092 17.355789
77 11.367587 13.280798 14.839408 15.707152 16.103433 17.465762 19.358984
78 13.081774 14.827029 15.805663 16.203964 17.558312 19.476483 21.310792
79 14.550497 15.829134 16.134836 17.609418 19.561447 21.551530 23.236146
80 15.497987 16.178821 17.638177 19.638314 21.796328 23.501444 25.435756
81 15.818180 17.687732 19.615410 22.043537 23.771047 25.731239
82 17.634982 19.818491 22.293180 24.044994 26.031343
83 20.023711 22.546970 24.321597 26.336117
84 22.803246 24.602616 26.643828
85 24.886355 26.956296
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 0.590173 0.633547 0.698429 0.744450 0.794683 0.872001
43 0.636435 0.701308 0.747323 0.797551 0.863420 0.950543
44 0.704187 0.751632 0.801851 0.872001 0.940558 1.044553
45 0.754505 0.810451 0.876290 0.944837 1.044553 1.151110
46 0.813317 0.880579 0.950543 1.054511 1.151110 1.277234
47 0.889154 0.959100 1.065887 1.162460 1.277234 1.417186
48 0.963377 1.075839 1.173808 1.289971 1.427070 1.552611
49 1.081524 1.185153 1.298460 1.441187 1.552611 1.699059
50 1.196495 1.311193 1.453889 1.562476 1.682173 1.855119
51 1.322508 1.466590 1.573748 1.694838 1.818584 2.029218
52 1.479288 1.587837 1.703279 1.836853 1.989925 2.225551
53 1.601924 1.714535 1.855119 2.009573 2.126009 2.487529
54 1.727195 1.869168 2.029218 2.135825 2.340459 2.827706
55 1.881810 2.039040 2.134422 2.339058 2.631742 3.248998
56 2.048861 2.155456 2.336256 2.628942 2.991457 3.725164
57 2.165271 2.334855 2.626142 2.988658 3.652304 4.255341
58 2.332053 2.623342 3.001254 3.650903 3.915798 4.790959
59 2.620542 3.015250 3.611677 3.942440 4.454804 5.274482
60 3.044641 3.608875 3.963476 4.485724 5.009291 5.759465
61 3.606073 3.990123 4.520864 5.060039 5.469421 6.312887
62 4.020980 4.540547 5.084009 5.524557 6.057186 7.104483
63 4.561636 5.107983 5.550011 6.054347 6.778685 8.175340
64 5.131960 5.575469 6.115386 6.811512 7.830714 9.605874
65 5.632059 6.145206 6.881476 7.902725 9.208499 11.319916
66 6.173612 6.928617 7.974781 9.294565 10.845978 13.025639
67 6.984352 8.039671 9.370478 10.934943 12.611001 14.487279
68 8.078623 9.446448 11.037354 12.674438 14.022987 15.374908
69 9.491764 11.129468 12.739430 14.016854 14.878103 15.749357
70 11.184480 12.802955 14.165709 14.988091 15.374908 16.972780
71 12.866525 14.254833 15.115290 15.404494 16.806440 18.361957
72 14.310195 15.227127 15.501106 16.934732 18.423223 19.931710
73 15.323545 15.668091 17.006087 18.584661 20.153669 21.712411
74 15.768121 17.134675 18.770695 20.379519 21.957687 23.741812
75 17.234822 18.957138 20.607637 22.207069 24.013935
76 19.157008 20.839702 22.458901 24.290432
77 21.074080 22.714902 24.571345
78 22.973406 24.854973
79 25.143096
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.077183 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.051232
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.052284 0.061719
12 0.041678 0.041678 0.041678 0.041678 0.055834 0.062764 0.069022
13 0.041678 0.041678 0.041678 0.059470 0.065648 0.070063 0.072143
14 0.041678 0.041678 0.063191 0.069660 0.075401 0.072143 0.074222
15 0.041678 0.066998 0.072586 0.078660 0.077562 0.074222 0.072143
16 0.070888 0.076723 0.083081 0.080903 0.079720 0.073182 0.070063
17 0.080944 0.087584 0.084243 0.083142 0.077562 0.071103 0.070063
18 0.180211 0.175660 0.172569 0.164755 0.154840 0.147354 0.143016
19 0.178616 0.173230 0.163113 0.160160 0.152606 0.140846 0.138675
20 0.173622 0.156179 0.156006 0.153256 0.148136 0.136503 0.134330
21 0.158588 0.146395 0.146507 0.144032 0.141422 0.134330 0.134330
22 0.146003 0.136580 0.134594 0.137099 0.139181 0.134330 0.134330
23 0.133361 0.126731 0.129817 0.134786 0.139181 0.134330 0.136503
24 0.118106 0.119319 0.125032 0.134786 0.139181 0.136503 0.136503
25 0.107880 0.111885 0.122636 0.132470 0.134696 0.134330 0.136503
26 0.095023 0.106917 0.120238 0.125513 0.127959 0.127804 0.134330
27 0.084672 0.101937 0.110626 0.116214 0.118957 0.121269 0.132155
28 0.089855 0.104428 0.113032 0.118541 0.118957 0.123448 0.136503
29 0.089855 0.104428 0.113032 0.118541 0.121210 0.127804 0.136503
30 0.089855 0.104428 0.113032 0.123191 0.125710 0.129981 0.138675
31 0.089855 0.101937 0.113032 0.123191 0.127959 0.132155 0.136503
32 0.087265 0.101937 0.115437 0.123191 0.127959 0.132155 0.136503
33 0.089855 0.109403 0.122636 0.132470 0.134696 0.138675 0.145185
34 0.092441 0.114367 0.129817 0.139411 0.141422 0.147354 0.156018
35 0.092441 0.116845 0.134594 0.146340 0.150372 0.156018 0.168988
36 0.092441 0.119319 0.141747 0.153256 0.157073 0.166828 0.175462
37 0.092441 0.124263 0.148884 0.162458 0.172671 0.177619 0.201295
38 0.097601 0.129197 0.153633 0.169346 0.181562 0.201295 0.218464
39 0.100176 0.134121 0.163113 0.180803 0.197088 0.214175 0.242010
40 0.105315 0.143945 0.174930 0.201355 0.214782 0.229175 0.263361
41 0.113000 0.158620 0.196113 0.221827 0.236832 0.259095 0.284665
42 0.120656 0.180512 0.219535 0.246751 0.265396 0.274019 0.303802
43 0.143480 0.195036 0.235865 0.271580 0.287301 0.301677 0.337744
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.047017
5 0.041678 0.041678 0.041678 0.041678 0.048072 0.057533
6 0.041678 0.041678 0.041678 0.048072 0.058581 0.063809
7 0.041678 0.041678 0.048072 0.058581 0.063809 0.066938
8 0.041678 0.049127 0.059627 0.064852 0.066938 0.071103
9 0.050180 0.059627 0.064852 0.067980 0.071103 0.070063
10 0.060674 0.065896 0.067980 0.071103 0.070063 0.069022
11 0.067980 0.069022 0.071103 0.071103 0.069022 0.069022
12 0.071103 0.073182 0.071103 0.069022 0.069022 0.069022
13 0.073182 0.071103 0.069022 0.069022 0.067980 0.071103
14 0.072143 0.069022 0.069022 0.067980 0.071103 0.073182
15 0.070063 0.069022 0.067980 0.071103 0.073182 0.079408
16 0.070063 0.069022 0.071103 0.072143 0.079408 0.084582
17 0.069022 0.071103 0.071103 0.078372 0.084582 0.087682
18 0.147354 0.147354 0.160344 0.170188 0.171147 0.173305
19 0.147354 0.160344 0.164668 0.166828 0.166828 0.164668
20 0.145185 0.158182 0.160344 0.160344 0.160344 0.160344
21 0.143016 0.149521 0.151688 0.153853 0.153853 0.156018
22 0.143016 0.147354 0.147354 0.149521 0.151688 0.149521
23 0.138675 0.138675 0.143016 0.140846 0.147354 0.149521
24 0.136503 0.138675 0.138675 0.143016 0.143016 0.151688
25 0.138675 0.138675 0.140846 0.143016 0.151688 0.151688
26 0.138675 0.140846 0.140846 0.145185 0.147354 0.149521
27 0.140846 0.138675 0.143016 0.143016 0.149521 0.156018
28 0.140846 0.143016 0.140846 0.149521 0.156018 0.158182
29 0.143016 0.143016 0.149521 0.153853 0.160344 0.171147
30 0.145185 0.151688 0.153853 0.160344 0.171147 0.186239
31 0.147354 0.156018 0.162507 0.171147 0.186239 0.199146
32 0.149521 0.160344 0.173305 0.186239 0.199146 0.220608
33 0.156018 0.171147 0.184085 0.199146 0.220608 0.244148
34 0.171147 0.184085 0.201295 0.220608 0.246285 0.276149
35 0.184085 0.203443 0.222751 0.246285 0.274019 0.303802
36 0.201295 0.218464 0.244148 0.271888 0.308050 0.333507
37 0.218464 0.242010 0.271888 0.308050 0.331387 0.365257
38 0.244148 0.274019 0.310174 0.335625 0.365257 0.403263
39 0.274019 0.312296 0.335625 0.365257 0.403263 0.449592
40 0.303802 0.339863 0.367370 0.401153 0.453797 0.504194
41 0.327147 0.371598 0.401153 0.447489 0.506291 0.571204
42 0.354681 0.405371 0.441178 0.504194 0.567022 0.654716
43 0.386383 0.443281 0.497901 0.560747 0.646376 0.779559
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Male Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- --------- --------- --------- --------- --------- ---------
44 0.163607 0.211916 0.259112 0.296323 0.311332 0.337744 0.371598
45 0.188586 0.235919 0.282270 0.323228 0.341834 0.373710 0.413803
46 0.223273 0.262190 0.305347 0.352283 0.391762 0.418017 0.464307
47 0.257680 0.285964 0.332944 0.383475 0.435016 0.468509 0.506291
48 0.265022 0.307281 0.360446 0.419011 0.478140 0.510485 0.560747
49 0.274794 0.330887 0.392421 0.458861 0.514705 0.562839 0.631775
50 0.282110 0.356763 0.428835 0.487565 0.559768 0.631775 0.717195
51 0.294284 0.387233 0.453797 0.525013 0.619693 0.715114 0.810703
52 0.301575 0.401259 0.487746 0.575535 0.692245 0.806552 0.922634
53 0.308858 0.426915 0.535120 0.641210 0.762468 0.893641 1.011587
54 0.320977 0.461789 0.595790 0.711023 0.849484 0.974368 1.067371
55 0.340318 0.508105 0.658457 0.800154 0.929936 1.019854 1.133425
56 0.369226 0.551933 0.738704 0.882492 0.974325 1.075631 1.180866
57 0.395626 0.616246 0.814199 0.930056 1.033439 1.110727 1.271546
58 0.481437 0.705354 0.869551 1.012050 1.096692 1.220034 1.395063
59 0.573555 0.759951 0.946839 1.072346 1.220871 1.343615 1.522565
60 0.646262 0.839286 1.004114 1.201257 1.332210 1.479392 1.647907
61 0.713929 0.900280 1.131506 1.314838 1.485295 1.606821 1.740323
62 0.778978 1.033017 1.240964 1.473043 1.625576 1.709522 1.775226
63 0.839159 1.093541 1.363218 1.594651 1.717607 1.779332 2.031759
64 0.889930 1.194145 1.465584 1.673491 1.744785 2.005086 2.183575
65 0.940572 1.272183 1.539517 1.679880 1.930728 2.202038 2.376415
66 0.984213 1.332271 1.530823 1.792686 2.081022 2.337435 2.749906
67 1.025480 1.318925 1.595991 1.888369 2.281292 2.747853 3.298535
68 1.084964 1.394487 1.704459 2.056171 2.452286 2.905964 3.454924
69 1.180771 1.516441 1.864701 2.225910 2.627422 3.080595 3.623793
70 1.285343 1.649137 2.024652 2.403986 2.821323 3.271796 3.784565
71 1.423509 1.805759 2.203773 2.601012 3.038203 3.465217 3.931037
72 1.576946 1.994985 2.406346 3.126121 3.522391 3.656761 4.429210
73 1.657958 2.409412 3.180525 3.511534 3.704157 4.350552 4.866765
74 1.812867 2.647769 3.494206 3.767923 4.254512 4.777482 5.162034
75 1.991946 2.905437 3.829426 4.238843 4.671997 5.062149 5.924223
76 2.183928 3.182461 4.212156 4.651101 5.147425 5.815341 7.640621
77 2.388805 3.498522 4.621145 5.121770 5.797878 7.413135 9.236840
78 2.624342 3.834098 5.086882 5.771348 7.554813 8.859040 9.957726
79 2.872739 4.215490 5.605587 7.016709 8.300772 9.540158 11.051824
80 3.156173 4.640752 6.151865 7.703733 9.078226 10.594186 12.355967
81 3.470219 5.088365 6.745829 8.416698 10.088287 11.862739 14.190006
82 3.799479 5.573958 7.364198 9.850113 11.700722 13.872910 15.783973
83 4.155129 6.876997 8.820389 11.396142 13.503795 15.444698 18.015999
84 5.472981 8.369397 10.412230 13.123109 15.285708 17.662855 20.496577
85 6.991024 10.008369 12.197981 15.044471 17.505979 19.853508 22.116656
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
44 0.424336 0.487409 0.548192 0.646376 0.756705 0.874993
45 0.470611 0.518870 0.604640 0.723436 0.850117 0.974368
46 0.506291 0.569113 0.669305 0.812778 0.951612 1.088020
47 0.556562 0.633861 0.746311 0.906069 1.069436 1.184990
48 0.627603 0.721356 0.841822 1.023987 1.174679 1.285963
49 0.713033 0.816928 0.953681 1.125172 1.285963 1.360080
50 0.806552 0.932985 1.067371 1.230339 1.333322 1.444433
51 0.920564 1.048781 1.160243 1.325087 1.423864 1.547230
52 1.032254 1.141678 1.250944 1.417693 1.522565 1.678717
53 1.106599 1.234460 1.345673 1.499952 1.670502 1.744429
54 1.184990 1.327146 1.471167 1.658178 1.740323 1.937372
55 1.259186 1.448546 1.641745 1.742375 1.923008 2.064586
56 1.360080 1.617094 1.746482 1.902486 2.050224 2.083050
57 1.506120 1.752642 1.871701 2.017396 2.046121 2.382570
58 1.610930 1.867597 1.996878 2.009189 2.347693 2.591860
59 1.734163 1.904538 1.990724 2.343590 2.511829 2.836139
60 1.799861 1.888120 2.095360 2.452326 2.745800 3.113479
61 1.812177 2.009189 2.181524 2.548764 3.057989 3.502275
62 2.005086 2.171266 2.481052 3.000457 3.442573 3.792814
63 2.177420 2.431809 2.854621 3.428165 3.726836 4.067309
64 2.413344 2.821766 3.366426 3.658821 3.992965 4.603239
65 2.786861 3.335565 3.588772 3.916591 4.522413 5.057989
66 3.302649 3.553756 3.838189 4.375387 4.968578 5.499730
67 3.514629 3.893892 4.288483 4.804469 5.322430 6.215779
68 3.947549 4.178891 4.640558 5.141218 6.236784 7.239140
69 4.125156 4.682036 4.956107 6.261994 7.122597 8.635216
70 4.292621 4.912467 5.533133 6.832857 8.084291 9.981705
71 4.468556 5.122487 5.848832 7.464116 9.609624 11.644893
72 4.949871 5.345360 6.177983 8.118501 11.578310 12.914992
73 5.257830 6.121309 7.300642 10.690803 12.320166 13.980000
74 6.024821 7.453493 10.267755 11.715969 13.484399 14.834626
75 7.608699 10.075502 11.248346 12.978078 14.464697 16.269682
76 9.735662 10.888748 12.465697 13.911629 15.867839 17.605730
77 10.508633 12.069964 13.525213 15.456295 17.589076 19.358687
78 11.489610 13.276091 15.039808 17.356262 19.227559 21.251600
79 12.827200 14.772476 16.902007 18.975600 21.239166 22.121684
80 14.489921 16.621694 18.717171 21.224248 22.101577 24.191468
81 16.325904 18.659317 20.946275 22.076450 24.170841 26.488047
82 18.226689 20.899214 22.046309 24.452340 26.466823 29.225021
83 20.839805 21.983550 24.426473 26.442951 29.392706 31.988407
84 21.908304 24.369596 26.416436 29.373445 32.381774 35.301241
85 24.945390 27.047225 29.351439 32.779978 35.735368 40.441493
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.050180 0.123448 0.136503 0.143016
1 0.041678 0.041678 0.049127 0.056485 0.138675 0.143016 0.145185
2 0.041678 0.048072 0.056485 0.063809 0.145185 0.147354 0.145185
3 0.048072 0.056485 0.063809 0.065896 0.147354 0.147354 0.147354
4 0.057533 0.062764 0.065896 0.070063 0.149521 0.149521 0.149521
5 0.063809 0.066938 0.070063 0.069022 0.151688 0.151688 0.149521
6 0.066938 0.070063 0.069022 0.069022 0.143016 0.151688 0.156018
7 0.071103 0.069022 0.069022 0.069022 0.143016 0.158182 0.162507
8 0.070063 0.069022 0.069022 0.069022 0.151688 0.160344 0.171858
9 0.069022 0.069022 0.069022 0.073182 0.160344 0.171858 0.170188
10 0.069022 0.070063 0.072143 0.076297 0.171858 0.170188 0.171858
11 0.069022 0.071103 0.075259 0.082514 0.170188 0.171858 0.175199
12 0.071103 0.074222 0.081479 0.087682 0.171858 0.175199 0.181046
13 0.073182 0.080444 0.087682 0.091808 0.175199 0.181046 0.186894
14 0.080444 0.086649 0.090777 0.093869 0.181046 0.186894 0.192695
15 0.084582 0.090777 0.094899 0.092839 0.186894 0.190544 0.192695
16 0.088714 0.093869 0.092839 0.090777 0.188391 0.190544 0.186239
17 0.091808 0.091808 0.090777 0.089746 0.188391 0.181930 0.190544
18 0.179775 0.184085 0.184085 0.184085 0.179775 0.186239 0.190544
19 0.168988 0.175462 0.177619 0.175462 0.179775 0.181930 0.188391
20 0.160344 0.166828 0.168988 0.173305 0.175462 0.181930 0.186239
21 0.158182 0.162507 0.164668 0.168988 0.177619 0.181930 0.186239
22 0.156018 0.158182 0.164668 0.171147 0.177619 0.186239 0.188391
23 0.153853 0.156018 0.166828 0.173305 0.181930 0.186239 0.192695
24 0.153853 0.158182 0.168988 0.177619 0.184085 0.192695 0.205591
25 0.151688 0.160344 0.173305 0.181930 0.192695 0.205591 0.229175
26 0.156018 0.164668 0.179775 0.192695 0.205591 0.229175 0.250557
27 0.162507 0.173305 0.192695 0.205591 0.229175 0.250557 0.284665
28 0.173305 0.186239 0.203443 0.229175 0.250557 0.284665 0.314419
29 0.186239 0.199146 0.229175 0.250557 0.284665 0.314419 0.344098
30 0.199146 0.220608 0.250557 0.284665 0.314419 0.344098 0.384271
31 0.222751 0.246285 0.284665 0.314419 0.344098 0.384271 0.420124
32 0.246285 0.280408 0.312296 0.344098 0.380048 0.420124 0.453797
33 0.278279 0.310174 0.344098 0.375823 0.415911 0.453797 0.506291
34 0.305926 0.337744 0.375823 0.411695 0.451695 0.506291 0.571204
35 0.333507 0.369484 0.409588 0.451695 0.506291 0.573296 0.656800
36 0.365257 0.403263 0.451695 0.506291 0.573296 0.658885 0.750469
37 0.403263 0.447489 0.504194 0.575386 0.663054 0.754626 0.864630
38 0.449592 0.504194 0.579567 0.665138 0.760860 0.872920 0.974368
39 0.506291 0.579567 0.669305 0.769172 0.879137 0.982641 1.079761
40 0.577477 0.667221 0.773327 0.887426 0.990913 1.088020 1.187052
41 0.660969 0.779559 0.895712 0.997116 1.094214 1.193237 1.306557
42 0.779559 0.903998 1.005385 1.102471 1.201483 1.306557 1.423864
43 0.903998 1.015720 1.112791 1.207668 1.306557 1.423864 1.504064
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.143016 0.143016 0.143016 0.143016 0.143016 0.147354
1 0.145185 0.145185 0.145185 0.145185 0.147354 0.153853
2 0.147354 0.147354 0.145185 0.149521 0.156018 0.164668
3 0.147354 0.147354 0.151688 0.156018 0.166828 0.170188
4 0.149521 0.151688 0.158182 0.166828 0.170188 0.171858
5 0.153853 0.160344 0.168988 0.170188 0.171858 0.175199
6 0.160344 0.171147 0.170188 0.171858 0.175199 0.181046
7 0.171858 0.170188 0.171858 0.175199 0.181046 0.184085
8 0.170188 0.171858 0.175199 0.181046 0.184085 0.184085
9 0.171858 0.175199 0.181046 0.186239 0.186239 0.188391
10 0.175199 0.181046 0.186894 0.188391 0.190544 0.190544
11 0.181046 0.186894 0.190544 0.192695 0.192695 0.192695
12 0.186894 0.192695 0.194847 0.194847 0.192695 0.190544
13 0.192695 0.196996 0.196996 0.194847 0.192695 0.188391
14 0.194847 0.194847 0.196996 0.194847 0.190544 0.186239
15 0.190544 0.196996 0.194847 0.192695 0.188391 0.186239
16 0.192695 0.194847 0.194847 0.188391 0.188391 0.188391
17 0.194847 0.194847 0.190544 0.188391 0.190544 0.196996
18 0.194847 0.188391 0.190544 0.192695 0.199146 0.209884
19 0.188391 0.186239 0.194847 0.201295 0.212030 0.229175
20 0.186239 0.192695 0.194847 0.214175 0.231316 0.250557
21 0.190544 0.194847 0.212030 0.233456 0.252692 0.280408
22 0.192695 0.209884 0.229175 0.256961 0.282537 0.312296
23 0.207738 0.229175 0.252692 0.284665 0.314419 0.348332
24 0.229175 0.250557 0.284665 0.314419 0.352565 0.386383
25 0.250557 0.284665 0.314419 0.348332 0.390604 0.422231
26 0.284665 0.314419 0.346215 0.390604 0.426443 0.458002
27 0.314419 0.346215 0.388493 0.426443 0.464307 0.506291
28 0.346215 0.386383 0.422231 0.464307 0.512581 0.562839
29 0.386383 0.420124 0.458002 0.506291 0.569113 0.638034
30 0.420124 0.453797 0.506291 0.569113 0.644291 0.717195
31 0.453797 0.506291 0.569113 0.644291 0.725517 0.819003
32 0.506291 0.569113 0.650547 0.727596 0.827303 0.928845
33 0.569113 0.650547 0.731756 0.833526 0.937125 1.042584
34 0.652631 0.740074 0.841822 0.943334 1.042584 1.170555
35 0.744232 0.850117 0.949542 1.052913 1.170555 1.296260
36 0.856338 0.957819 1.061175 1.170555 1.296260 1.411522
37 0.966094 1.067371 1.164368 1.302439 1.397120 1.555450
38 1.073567 1.170555 1.296260 1.397120 1.508176 1.699254
39 1.178804 1.296260 1.403293 1.508176 1.615039 1.855282
40 1.302439 1.411522 1.508176 1.612985 1.762908 2.039966
41 1.417693 1.506120 1.612985 1.760854 1.957892 2.214347
42 1.506120 1.610930 1.742375 1.937372 2.083050 2.372311
43 1.608876 1.730056 1.914799 2.058431 2.255376 2.577494
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Male Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
44 1.003318 1.121045 1.213851 1.312734 1.421807 1.502008 1.606821
45 1.118981 1.220034 1.318911 1.421807 1.502008 1.604767 1.715682
46 1.201483 1.325087 1.419751 1.499952 1.602712 1.713629 1.801914
47 1.312734 1.411522 1.506120 1.600658 1.701307 1.787543 1.955841
48 1.382718 1.489673 1.598603 1.707468 1.793702 1.929164 2.146648
49 1.460886 1.582165 1.705415 1.801914 1.935321 2.142546 2.411293
50 1.555450 1.686932 1.808072 1.943528 2.138442 2.380518 2.655482
51 1.674609 1.764961 1.961996 2.134339 2.349745 2.620591 2.801233
52 1.736216 1.918903 2.128185 2.316920 2.587755 2.795073 3.068264
53 1.931216 2.062534 2.284097 2.550817 2.788914 3.062099 3.411700
54 2.062534 2.210244 2.513881 2.782754 3.055934 3.403468 3.735082
55 2.119979 2.458482 2.774542 3.047715 3.397294 3.681490 4.052851
56 2.421551 2.712955 3.057989 3.389062 3.673247 4.042524 4.385736
57 2.637010 3.008674 3.337622 3.662943 4.034263 4.375387 4.858457
58 2.922395 3.261512 3.654700 3.972320 4.365039 4.845996 5.547750
59 3.166925 3.572293 3.910400 4.352622 4.833537 5.537309 6.192680
60 3.559935 3.871195 4.311240 4.821078 5.457989 6.108719 6.809627
61 3.807251 4.267800 4.808621 5.378721 6.096130 6.799069 7.610827
62 4.139622 4.758803 5.330767 6.083543 6.786401 7.598061 8.762129
63 4.682036 5.297419 5.993375 6.773735 7.585297 8.803036 9.990427
64 5.143300 5.917939 6.758961 7.572535 8.843959 10.040590 11.365577
65 5.673109 6.674571 7.602316 8.884899 10.088597 11.425358 12.595757
66 6.489141 7.557647 8.925857 10.138814 11.482962 12.717021 13.788699
67 7.353690 8.874123 10.189058 11.542820 12.840701 13.923020 15.139117
68 8.755672 10.237142 11.600499 12.964556 14.057551 15.287141 16.412655
69 10.110428 11.660436 13.088586 14.194577 15.437742 16.574673 17.779610
70 11.653774 13.215051 14.331820 15.588609 16.739358 17.958631 19.227559
71 13.066021 14.471575 15.742072 16.904367 18.138038 19.421897 20.708764
72 14.308931 15.895813 17.072065 18.317834 19.616696 20.943799 22.350747
73 15.194596 17.050789 18.255461 19.507065 21.038001 22.451639 23.975146
74 16.664034 18.044698 19.502196 21.157150 22.449116 23.972574 25.315862
75 17.827311 19.494893 21.273985 22.444068 23.967431 25.611900 27.890695
76 19.485157 21.269010 22.436497 23.959717 25.604027 28.223543 30.128091
77 21.261548 22.423882 23.946861 25.903766 28.391849 30.492772 32.499021
78 22.411268 23.934008 25.890595 28.383696 30.484402 32.866185 36.979577
79 24.209521 26.194052 28.724072 30.853532 33.235064 37.450516 40.790518
80 26.178191 28.890705 31.230020 33.637604 37.927364 41.323394 45.263076
81 29.057687 31.611135 34.045127 38.413295 41.866369 45.874935
82 31.800965 34.457699 38.908461 42.419632 46.501890
83 34.875391 39.413024 42.983377 47.137371
84 39.923999 43.554510 47.781548
85 44.136483 48.441610
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
44 1.719789 1.871701 2.033811 2.206141 2.450274 2.838193
45 1.826546 2.031759 2.179473 2.421551 2.696533 3.173093
46 1.982515 2.152803 2.419499 2.694481 2.951152 3.520806
47 2.148700 2.417447 2.692428 2.852567 3.201877 3.867069
48 2.415396 2.719113 2.815605 3.162814 3.516688 4.234711
49 2.688323 2.811499 3.121701 3.512570 3.807251 4.650926
50 2.805339 3.080595 3.508452 3.803126 4.180958 5.130812
51 3.074430 3.463158 3.776317 4.176824 4.559712 5.652206
52 3.417874 3.749513 4.123091 4.501696 5.020554 6.150692
53 3.741267 4.067309 4.441634 4.956107 5.585344 6.786401
54 4.061113 4.433352 4.889614 5.641756 6.299820 7.468366
55 4.423000 4.879227 5.635487 6.295617 6.853979 8.251174
56 4.868842 5.629218 6.289311 6.845529 7.568281 9.126585
57 5.620859 6.280905 6.839193 7.561900 8.557858 9.951187
58 6.274601 6.830744 7.638492 8.598678 9.744361 10.957029
59 6.820185 7.629979 8.639515 9.792216 10.957029 12.009752
60 7.621466 8.680369 9.842274 11.073884 12.009752 13.142763
61 8.721241 9.892358 11.190891 12.123520 13.142763 14.265458
62 9.940290 11.248346 12.241902 13.269306 14.405106 15.458615
63 11.308049 12.358205 13.396033 14.561047 15.609519 16.718167
64 12.476902 13.525213 14.703474 15.781645 16.885492 18.049482
65 13.656856 14.846140 15.935458 17.072065 18.229087 19.448655
66 14.991349 16.091888 17.259053 18.433108 19.624010 20.976013
67 16.250949 17.432211 18.618361 19.843729 21.189449 22.668091
68 17.605730 18.825758 20.046881 21.405937 22.899599 24.460101
69 19.014313 20.272650 21.650485 23.138508 24.745211 26.453560
70 20.476866 21.870706 23.403657 25.002675 26.764485 28.721343
71 22.121684 23.646623 25.266193 27.017838 29.065908 31.317373
72 23.921156 25.562048 27.306838 29.345939 31.698910 34.302365
73 25.321093 27.532341 29.414725 31.089329 34.731007 37.765033
74 27.793538 29.770607 31.435876 35.167915 38.246878 41.805137
75 30.130869 31.786783 35.610237 38.737895 42.357965
76 32.139251 36.058051 39.238240 42.917995
77 36.514453 39.748073 43.488649
78 40.264403 44.070132
79 44.662656
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932 CIQ
Female Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.075314 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.083804 0.080374 0.079635 0.076099 0.067606 0.064285 0.069028
19 0.080893 0.083172 0.082321 0.070928 0.065122 0.061908 0.066658
20 0.080893 0.080374 0.074249 0.068335 0.062632 0.061908 0.069028
21 0.072114 0.071944 0.066125 0.063132 0.062632 0.064285 0.071394
22 0.057312 0.060601 0.063404 0.063132 0.065122 0.069028 0.073756
23 0.051321 0.057746 0.060677 0.068335 0.072563 0.071394 0.071394
24 0.048308 0.054881 0.063404 0.073516 0.077505 0.071394 0.071394
25 0.045282 0.054881 0.066125 0.073516 0.075036 0.071394 0.076117
26 0.045282 0.054881 0.066125 0.070928 0.075036 0.076117 0.080827
27 0.042242 0.049122 0.060677 0.068335 0.077505 0.083178 0.087874
28 0.045282 0.049122 0.057943 0.068335 0.077505 0.085528 0.090217
29 0.045282 0.052007 0.060677 0.070928 0.079969 0.085528 0.092557
30 0.045282 0.054881 0.063404 0.070928 0.079969 0.087874 0.094896
31 0.048308 0.057746 0.066125 0.073516 0.082431 0.087874 0.099567
32 0.051321 0.060601 0.068839 0.076099 0.082431 0.092557 0.104228
33 0.054323 0.063449 0.074249 0.081253 0.089795 0.099567 0.108881
34 0.054323 0.066288 0.079635 0.088951 0.099569 0.104228 0.118164
35 0.057312 0.071944 0.085001 0.096613 0.106872 0.113526 0.129727
36 0.057312 0.074760 0.090346 0.104244 0.116571 0.127418 0.143548
37 0.060291 0.080374 0.098330 0.116897 0.131051 0.141249 0.157317
38 0.063261 0.083172 0.103632 0.126967 0.145457 0.157317 0.173321
39 0.063261 0.088750 0.111555 0.139496 0.159797 0.171038 0.189268
40 0.066220 0.094304 0.124688 0.151968 0.174078 0.189268 0.209693
41 0.072114 0.105354 0.137741 0.169337 0.193036 0.211958 0.232300
42 0.077974 0.116330 0.150721 0.186614 0.214264 0.234555 0.257068
43 0.083804 0.129957 0.168787 0.208707 0.237738 0.257068 0.279507
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
12 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
13 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
14 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
15 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
16 0.041678 0.041678 0.041678 0.041678 0.041678 0.042307
17 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
18 0.071394 0.078473 0.083178 0.085528 0.080827 0.078473
19 0.076117 0.083178 0.083178 0.080827 0.076117 0.080827
20 0.078473 0.083178 0.080827 0.078473 0.078473 0.083178
21 0.078473 0.078473 0.076117 0.078473 0.080827 0.085528
22 0.071394 0.076117 0.078473 0.080827 0.085528 0.090217
23 0.071394 0.076117 0.080827 0.085528 0.090217 0.092557
24 0.076117 0.080827 0.085528 0.090217 0.092557 0.097232
25 0.080827 0.085528 0.090217 0.094896 0.097232 0.104228
26 0.085528 0.090217 0.092557 0.097232 0.101898 0.111205
27 0.092557 0.094896 0.097232 0.104228 0.111205 0.118164
28 0.094896 0.099567 0.104228 0.111205 0.118164 0.127418
29 0.099567 0.104228 0.113526 0.118164 0.127418 0.136645
30 0.106555 0.113526 0.120480 0.127418 0.138947 0.152733
31 0.111205 0.120480 0.129727 0.138947 0.155026 0.168755
32 0.118164 0.129727 0.138947 0.155026 0.171038 0.186993
33 0.125107 0.141249 0.157317 0.171038 0.189268 0.207428
34 0.134340 0.155026 0.171038 0.189268 0.207428 0.230043
35 0.148143 0.168755 0.186993 0.205161 0.230043 0.252572
36 0.164183 0.186993 0.202894 0.227785 0.252572 0.279507
37 0.180162 0.205161 0.225527 0.248073 0.277267 0.308577
38 0.196086 0.225527 0.248073 0.277267 0.306345 0.337545
39 0.216484 0.243570 0.272783 0.308577 0.337545 0.370856
40 0.236810 0.266053 0.299644 0.339769 0.375289 0.412895
41 0.257068 0.288463 0.326415 0.377505 0.415104 0.456982
42 0.281747 0.310809 0.357545 0.406268 0.461382 0.496531
43 0.306345 0.341993 0.395214 0.461382 0.498725 0.538160
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.054756 0.061908 0.069028
1 0.041678 0.041678 0.041678 0.041678 0.061908 0.069028 0.076117
2 0.041678 0.041678 0.041678 0.041678 0.069028 0.076117 0.080827
3 0.041678 0.041678 0.041678 0.041678 0.078473 0.083178 0.078473
4 0.041678 0.041678 0.041678 0.041678 0.083178 0.080827 0.076117
5 0.041678 0.041678 0.041678 0.041678 0.080827 0.078473 0.076117
6 0.041678 0.041678 0.041678 0.041678 0.078473 0.078473 0.078473
7 0.041678 0.041678 0.041678 0.041678 0.078473 0.080827 0.085528
8 0.041678 0.041678 0.041678 0.041678 0.080827 0.087874 0.092557
9 0.041678 0.041678 0.041678 0.041678 0.087874 0.092557 0.097232
10 0.041678 0.041678 0.041678 0.041678 0.094896 0.097232 0.092557
11 0.041678 0.041678 0.042307 0.044501 0.097232 0.092557 0.090217
12 0.041678 0.041678 0.045597 0.046691 0.094896 0.090217 0.090217
13 0.041678 0.041678 0.046691 0.044501 0.090217 0.090217 0.092557
14 0.041678 0.044501 0.044501 0.043405 0.092557 0.094896 0.097232
15 0.044501 0.042307 0.043405 0.043405 0.094896 0.097232 0.099567
16 0.041678 0.041678 0.043405 0.044501 0.097232 0.099567 0.101898
17 0.041678 0.041678 0.045597 0.046691 0.099567 0.101898 0.106555
18 0.087874 0.090217 0.099567 0.101898 0.104228 0.106555 0.108881
19 0.087874 0.090217 0.101898 0.104228 0.106555 0.111205 0.115846
20 0.090217 0.090217 0.106555 0.108881 0.111205 0.115846 0.118164
21 0.090217 0.094896 0.097232 0.111205 0.115846 0.120480 0.125107
22 0.092557 0.097232 0.101898 0.108881 0.115846 0.125107 0.134340
23 0.097232 0.101898 0.108881 0.115846 0.125107 0.136645 0.145847
24 0.104228 0.111205 0.115846 0.125107 0.134340 0.148143 0.161896
25 0.111205 0.115846 0.125107 0.136645 0.148143 0.161896 0.175603
26 0.115846 0.125107 0.136645 0.150439 0.161896 0.177883 0.193814
27 0.125107 0.138947 0.150439 0.164183 0.180162 0.196086 0.214222
28 0.136645 0.152733 0.166470 0.180162 0.198356 0.216484 0.236810
29 0.152733 0.166470 0.182440 0.198356 0.218747 0.239064 0.261562
30 0.168755 0.184717 0.200626 0.221007 0.241317 0.263808 0.288463
31 0.186993 0.202894 0.223268 0.243570 0.266053 0.290701 0.317501
32 0.205161 0.225527 0.245821 0.270540 0.292938 0.319730 0.348661
33 0.227785 0.248073 0.272783 0.297409 0.321959 0.350883 0.386364
34 0.250323 0.275025 0.299644 0.324187 0.355325 0.390790 0.428344
35 0.277267 0.301878 0.328642 0.357545 0.395214 0.432754 0.465780
36 0.304112 0.330869 0.361984 0.397426 0.437163 0.470178 0.503112
37 0.335320 0.364203 0.401848 0.441570 0.474574 0.507498 0.542536
38 0.368638 0.406268 0.445975 0.478968 0.514074 0.546910 0.592770
39 0.408477 0.450379 0.483361 0.518456 0.551283 0.597131 0.655909
40 0.454782 0.487753 0.522837 0.555655 0.601492 0.660255 0.727518
41 0.492143 0.527216 0.560026 0.608030 0.666774 0.727518 0.768645
42 0.533784 0.564395 0.612387 0.671118 0.727518 0.777295 0.829132
43 0.570947 0.616744 0.675462 0.729684 0.783780 0.829132 0.880872
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.076117 0.080827 0.076117 0.073756 0.073756 0.076117
1 0.080827 0.078473 0.076117 0.073756 0.076117 0.080827
2 0.078473 0.076117 0.073756 0.076117 0.083178 0.087874
3 0.076117 0.076117 0.076117 0.083178 0.087874 0.090217
4 0.076117 0.078473 0.083178 0.090217 0.092557 0.087874
5 0.078473 0.085528 0.090217 0.092557 0.087874 0.085528
6 0.085528 0.090217 0.092557 0.087874 0.085528 0.085528
7 0.092557 0.094896 0.090217 0.085528 0.085528 0.087874
8 0.094896 0.090217 0.087874 0.085528 0.087874 0.090217
9 0.090217 0.087874 0.087874 0.090217 0.092557 0.092557
10 0.087874 0.087874 0.090217 0.092557 0.094896 0.097232
11 0.090217 0.090217 0.092557 0.094896 0.097232 0.099567
12 0.092557 0.094896 0.094896 0.097232 0.099567 0.104228
13 0.094896 0.097232 0.099567 0.101898 0.104228 0.108881
14 0.097232 0.099567 0.101898 0.106555 0.108881 0.111205
15 0.101898 0.104228 0.106555 0.111205 0.113526 0.118164
16 0.104228 0.108881 0.111205 0.113526 0.118164 0.127418
17 0.108881 0.113526 0.115846 0.120480 0.127418 0.138947
18 0.113526 0.115846 0.120480 0.129727 0.138947 0.152733
19 0.118164 0.122795 0.129727 0.141249 0.152733 0.166470
20 0.122795 0.132034 0.143548 0.155026 0.168755 0.182440
21 0.132034 0.143548 0.157317 0.168755 0.184717 0.202894
22 0.145847 0.157317 0.171038 0.186993 0.205161 0.223268
23 0.159607 0.173321 0.189268 0.207428 0.225527 0.248073
24 0.175603 0.189268 0.209693 0.227785 0.250323 0.272783
25 0.191541 0.211958 0.230043 0.252572 0.275025 0.299644
26 0.214222 0.232300 0.254821 0.277267 0.301878 0.328642
27 0.234555 0.257068 0.281747 0.304112 0.330869 0.364203
28 0.259316 0.283987 0.308577 0.335320 0.368638 0.404058
29 0.286225 0.310809 0.337545 0.373073 0.408477 0.441570
30 0.313040 0.341993 0.375289 0.412895 0.443772 0.476771
31 0.344216 0.379720 0.417311 0.448177 0.481165 0.514074
32 0.384149 0.419518 0.452580 0.485557 0.520647 0.564395
33 0.423932 0.456982 0.489948 0.525027 0.568764 0.625454
34 0.461382 0.494337 0.529406 0.575314 0.631984 0.692828
35 0.498725 0.535973 0.579680 0.638511 0.699336 0.762156
36 0.538160 0.586226 0.642862 0.705843 0.770808 0.822658
37 0.590588 0.649386 0.712347 0.777295 0.829132 0.883026
38 0.653734 0.716682 0.777295 0.829132 0.883026 0.951872
39 0.723185 0.762156 0.822658 0.891640 0.951872 1.031300
40 0.768645 0.820499 0.874410 0.943274 1.022721 1.116983
41 0.820499 0.874410 0.936824 1.031300 1.099860 1.204631
42 0.876564 0.941124 1.037733 1.106283 1.181132 1.296387
43 0.945423 1.042020 1.110563 1.185406 1.283593 1.413531
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Female Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- --------- --------- ---------
44 0.092498 0.143495 0.189296 0.233113 0.263440 0.281747 0.304112
45 0.104004 0.162313 0.212217 0.259808 0.291351 0.306345 0.330869
46 0.118267 0.180993 0.240040 0.288771 0.319144 0.335320 0.364203
47 0.129591 0.202193 0.267678 0.319983 0.353736 0.370856 0.399637
48 0.143652 0.218000 0.282685 0.336724 0.374420 0.397426 0.426138
49 0.160402 0.231118 0.297644 0.355806 0.397343 0.417311 0.452580
50 0.177032 0.249403 0.315044 0.374836 0.413357 0.439366 0.483361
51 0.193556 0.270199 0.334864 0.386705 0.429343 0.463581 0.522837
52 0.215440 0.290894 0.347217 0.398557 0.445304 0.492143 0.564395
53 0.223605 0.301206 0.366931 0.424569 0.486237 0.546910 0.625454
54 0.223605 0.311497 0.386585 0.459916 0.531551 0.601492 0.688488
55 0.229038 0.324331 0.413520 0.495131 0.576707 0.655909 0.753501
56 0.229038 0.339690 0.440358 0.525552 0.619471 0.712347 0.824816
57 0.234463 0.355005 0.459820 0.558219 0.666600 0.772971 0.876564
58 0.239878 0.380441 0.510695 0.625604 0.735936 0.816182 0.938974
59 0.242582 0.408300 0.566102 0.697265 0.787215 0.889486 1.005558
60 0.245285 0.443589 0.625998 0.747915 0.869449 0.969061 1.069880
61 0.250684 0.478707 0.659405 0.835046 0.960242 1.050594 1.138376
62 0.256075 0.486211 0.728330 0.928611 1.055140 1.136237 1.225984
63 0.261458 0.536068 0.780390 0.974103 1.090375 1.183269 1.307046
64 0.304266 0.588119 0.834628 1.017239 1.138762 1.251596 1.379476
65 0.346667 0.644814 0.891036 1.076145 1.209024 1.309178 1.462453
66 0.396569 0.706109 0.963636 1.159751 1.272585 1.375218 1.547456
67 0.448645 0.781689 1.061580 1.238618 1.344796 1.492215 1.687513
68 0.531153 0.902736 1.198458 1.411476 1.536817 1.664185 1.831598
69 0.635658 1.030065 1.359945 1.605876 1.732530 1.869707 1.967043
70 0.698824 1.010904 1.458723 1.614794 1.747727 1.884524 2.098132
71 0.779150 1.087437 1.529761 1.661587 1.908205 2.062199 2.338924
72 0.888761 1.223068 1.616656 1.795052 2.090013 2.303033 2.638569
73 0.992611 1.353207 1.723876 1.961463 2.308215 2.575281 3.182709
74 1.108051 1.496819 1.860387 2.169478 2.601519 3.032965 3.657466
75 1.213044 1.632756 2.082592 2.447535 2.954689 3.518156 4.232243
76 1.334474 1.810105 2.376166 2.804074 3.393604 3.999652 4.859353
77 1.467336 2.084006 2.724837 3.282750 3.961580 4.600643 5.473739
78 1.649869 2.379511 3.157516 3.758569 4.538760 5.237491 6.049954
79 1.883717 2.724163 3.609231 4.328497 5.192707 5.868305 6.716673
80 2.156346 3.126868 4.129482 4.916401 5.744622 6.465451 7.488547
81 2.465030 3.585209 4.720884 5.426112 6.339604 7.177479 8.367959
82 2.809556 4.074281 5.243358 5.954482 6.998072 8.054491 9.481150
83 3.168863 4.589927 5.775411 6.599196 7.960948 9.138052 12.013514
84 3.693970 5.041761 6.346556 7.548661 9.407389 11.880229 14.639011
85 4.547896 5.673196 7.247754 8.845459 12.000209 14.841655 18.147038
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
44 0.335320 0.379720 0.437163 0.496531 0.538160 0.575314
45 0.370856 0.421725 0.474574 0.535973 0.579680 0.618922
46 0.408477 0.461382 0.514074 0.575314 0.621099 0.690658
47 0.443772 0.503112 0.557841 0.625454 0.694997 0.749173
48 0.474574 0.535973 0.603671 0.679804 0.749173 0.805386
49 0.507498 0.579680 0.653734 0.729684 0.801066 0.848545
50 0.549096 0.627630 0.701505 0.777295 0.852857 0.898098
51 0.594950 0.675462 0.744843 0.824816 0.904556 0.956170
52 0.640687 0.718850 0.790264 0.870100 0.936824 1.020576
53 0.708011 0.788102 0.861480 0.921770 1.020576 1.121262
54 0.777295 0.863635 0.917467 1.003412 1.110563 1.228120
55 0.852857 0.921770 1.003412 1.091297 1.202496 1.341142
56 0.911013 1.011996 1.095579 1.181132 1.300651 1.483713
57 1.003412 1.108422 1.191815 1.277196 1.424169 1.670548
58 1.059167 1.166172 1.253730 1.368830 1.551704 1.799831
59 1.116983 1.223850 1.334750 1.494341 1.676910 1.950120
60 1.172584 1.300651 1.447567 1.615391 1.825245 2.110812
61 1.245194 1.407146 1.553827 1.759581 1.986079 2.254466
62 1.347532 1.509217 1.683273 1.916267 2.129831 2.406472
63 1.432678 1.615391 1.801949 2.036830 2.284029 2.577391
64 1.532587 1.727792 1.903571 2.163638 2.442350 2.767234
65 1.636610 1.818892 2.005113 2.288253 2.617474 2.973914
66 1.721434 1.912036 2.104473 2.423356 2.805197 3.260753
67 1.808303 2.002998 2.208000 2.568953 3.068818 3.767263
68 1.977619 2.218561 2.528866 3.085690 3.763039 4.609121
69 2.167864 2.461343 2.948607 3.752481 4.647270 5.424757
70 2.374811 2.822069 3.537150 4.420598 5.280032 6.178321
71 2.695521 3.309271 4.181477 5.075936 6.041400 6.983471
72 3.220676 4.022902 4.799945 5.878983 6.897345 7.711553
73 3.792606 4.630314 5.563224 6.645765 7.650888 8.533762
74 4.452359 5.309817 6.270392 7.345872 8.376680 9.393067
75 5.120560 5.992228 6.910260 8.050143 9.232510 10.421765
76 5.778634 6.650061 7.564277 8.890228 10.173030 12.214929
77 6.444001 7.360996 8.370139 9.891729 11.893774 14.534377
78 7.222792 8.124074 9.344654 11.416324 14.133251 17.322565
79 8.043622 9.144639 10.930066 13.506173 16.817824 20.065378
80 8.931857 10.697882 12.780760 16.171482 19.775936 22.300769
81 10.141981 12.612241 15.253021 18.706029 21.828515 23.910018
82 12.133406 15.142980 17.880988 21.195595 23.240336 24.695267
83 14.383454 17.531547 20.597389 23.127109 24.915766 28.248217
84 17.810985 20.902211 23.302161 25.136865 28.530883 32.458472
85 21.273503 23.699990 25.355927 28.820070 32.829050 37.497535
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Female Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
44 0.612387 0.679804 0.734016 0.783780 0.837762 0.885180 0.951872
45 0.686317 0.738348 0.783780 0.835605 0.889486 0.956170 1.052738
46 0.744843 0.790264 0.844233 0.893793 0.960467 1.057024 1.125541
47 0.798906 0.848545 0.898098 0.964764 1.061310 1.131959 1.215309
48 0.848545 0.898098 0.969061 1.061310 1.136237 1.225984 1.328358
49 0.900252 0.973356 1.061310 1.142653 1.238792 1.341142 1.447567
50 0.966912 1.063452 1.146931 1.245194 1.347532 1.453947 1.617513
51 1.046308 1.155483 1.251596 1.353922 1.468832 1.632366 1.799831
52 1.129820 1.253730 1.360312 1.483713 1.647217 1.816775 1.988194
53 1.243061 1.366700 1.492215 1.664185 1.833716 2.007227 2.222786
54 1.364571 1.507092 1.681152 1.852771 2.017800 2.243906 2.404361
55 1.515591 1.691754 1.869707 2.036830 2.262912 2.429687 2.596378
56 1.679031 1.886640 2.055857 2.281917 2.452902 2.619584 2.819960
57 1.850654 2.076996 2.305144 2.471894 2.632240 2.843159 3.073036
58 2.089678 2.319923 2.488775 2.657553 2.862140 3.085690 3.248096
59 2.262912 2.507766 2.684975 2.874794 3.110999 3.262862 3.518156
60 2.419135 2.708177 2.904320 3.132090 3.277628 3.513936 3.913013
61 2.583720 2.919082 3.146853 3.275519 3.549813 3.885547 4.579454
62 2.750361 3.151071 3.307161 3.583584 3.902449 4.600643 5.348121
63 2.929627 3.340915 3.579362 3.917238 4.619717 5.341737 6.084174
64 3.125762 3.606802 3.934142 4.640912 5.365149 6.111983 6.899497
65 3.399988 3.953160 4.659988 5.388564 6.174040 6.970548 7.778757
66 3.754592 4.679067 5.411982 6.221137 7.041640 7.815628 8.507566
67 4.617597 5.435404 6.263967 7.073969 7.852510 8.594912 9.448110
68 5.426887 6.291813 7.145123 7.843831 8.636425 9.492164 10.662211
69 6.283245 7.177479 7.924139 8.675769 9.538443 10.773728 12.453113
70 7.110619 7.915454 8.686701 9.529626 10.764802 12.473557 14.664608
71 7.887234 8.706380 9.562692 10.854099 12.548557 14.755417 17.435400
72 8.667025 9.586948 10.804976 12.639548 14.829996 17.545978 20.224128
73 9.551669 10.818371 12.701017 14.920974 17.574849 20.209233 22.300769
74 10.655524 12.689631 14.977008 17.683198 20.269227 22.300769 24.219561
75 12.528097 15.084504 17.709703 20.269227 22.300769 24.381303 24.999924
76 14.946652 17.798921 20.269227 22.300769 24.572154 25.260839 27.490233
77 17.562818 20.269227 22.300769 24.668235 25.369142 27.677698 30.936580
78 20.269227 22.300769 24.668235 25.538489 27.835617 31.140849 34.361541
79 22.300769 24.668235 25.422024 27.922878 31.288704 34.788773 37.809176
80 24.352584 25.496118 27.972005 31.422580 35.224321 38.289865 41.837802
81 24.889485 28.056682 31.382679 35.665302 38.779789 42.386668
82 27.966545 31.736794 36.111800 39.279104 42.946038
83 32.095373 36.566937 39.784804 43.516118
84 37.027793 40.300187 44.093765
85 40.822213 44.682496
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
44 1.046308 1.116983 1.191815 1.296387 1.398633 1.553827
45 1.121262 1.204631 1.302783 1.405019 1.553827 1.712954
46 1.208903 1.309178 1.413531 1.568691 1.712954 1.901455
47 1.321965 1.426296 1.585677 1.729912 1.901455 2.110812
48 1.432678 1.600535 1.746866 1.920500 2.125605 2.313589
49 1.609024 1.763818 1.933195 2.146736 2.313589 2.533086
50 1.780767 1.952236 2.165751 2.328368 2.507766 2.767234
51 1.969159 2.184765 2.345257 2.526756 2.712395 3.028747
52 2.203776 2.366367 2.539416 2.739815 2.969697 3.324038
53 2.387475 2.556294 2.767234 2.999221 3.174272 3.718695
54 2.575281 2.788324 3.028747 3.189037 3.497052 4.232243
55 2.807306 3.043510 3.186927 3.494942 3.936255 4.869964
56 3.058273 3.218566 3.490722 3.932029 4.479889 5.593064
57 3.233332 3.488611 3.927803 4.475653 5.482259 6.401114
58 3.484391 3.923578 4.494715 5.480129 5.883255 7.220634
59 3.919351 4.515896 5.420499 5.923843 6.705926 7.963229
60 4.560384 5.416240 5.955894 6.753216 7.555620 8.710754
61 5.411982 5.996503 6.806975 7.633561 8.263371 9.567102
62 6.043539 6.837091 7.670384 8.348341 9.170993 10.798278
63 6.869366 7.707219 8.387581 9.166601 10.290658 12.475830
64 7.744066 8.426834 9.261085 10.341746 11.934423 14.739111
65 8.514115 9.307260 10.450677 12.047430 14.107807 17.485863
66 9.351255 10.524105 12.160572 14.244366 16.722471 20.258896
67 10.610955 12.262517 14.364896 16.865540 19.581066 22.300769
68 12.323738 14.485589 17.030363 19.684612 21.899421 24.146622
69 14.557619 17.178735 19.790755 21.889287 23.317624 24.773948
70 17.267402 19.894561 22.135367 23.500834 24.146622 26.838871
71 19.998495 22.282859 23.712939 24.196109 26.556724 29.212833
72 22.300769 23.899634 24.357804 26.774294 29.318266 31.934528
73 24.060741 24.637617 26.895420 29.596391 32.322836 35.074889
74 24.805442 27.113907 29.917439 32.718854 35.512028 38.726592
75 27.284254 30.239786 33.119777 35.957652 39.222418
76 30.586009 33.528603 36.408857 39.727750
77 33.942500 36.868782 40.242754
78 37.334494 40.764393
79 41.296015
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.076809 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.049321
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.050163 0.057711
12 0.041678 0.041678 0.041678 0.041678 0.053003 0.058547 0.063553
13 0.041678 0.041678 0.041678 0.055912 0.060854 0.064386 0.066050
14 0.041678 0.041678 0.058888 0.064064 0.068656 0.066050 0.067713
15 0.041678 0.061934 0.066404 0.071264 0.070385 0.067713 0.066050
16 0.065046 0.069714 0.074800 0.073058 0.072112 0.066881 0.064386
17 0.073091 0.078403 0.075730 0.074849 0.070385 0.065218 0.064386
18 0.050703 0.048348 0.047084 0.044772 0.042025 0.041678 0.041678
19 0.049568 0.047801 0.044987 0.043768 0.041678 0.041678 0.041678
20 0.048429 0.043966 0.043410 0.042260 0.041678 0.041678 0.041678
21 0.045002 0.041762 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.042129 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
29 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
30 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
31 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
32 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
33 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
34 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
35 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.044392
36 0.041678 0.041678 0.041678 0.042260 0.042505 0.043936 0.045758
37 0.041678 0.041678 0.041829 0.044271 0.045856 0.046212 0.051392
38 0.041678 0.041678 0.042884 0.045775 0.047764 0.051392 0.055862
39 0.041678 0.041678 0.044987 0.048275 0.051584 0.054838 0.061664
40 0.041678 0.041678 0.047607 0.052965 0.056153 0.058967 0.067238
41 0.041678 0.044516 0.052296 0.058385 0.061904 0.066464 0.072913
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.045949
5 0.041678 0.041678 0.041678 0.041678 0.046793 0.054362
6 0.041678 0.041678 0.041678 0.046793 0.055200 0.059383
7 0.041678 0.041678 0.046793 0.055200 0.059383 0.061886
8 0.041678 0.047637 0.056037 0.060217 0.061886 0.065218
9 0.048480 0.056037 0.060217 0.062720 0.065218 0.064386
10 0.056875 0.061052 0.062720 0.065218 0.064386 0.063553
11 0.062720 0.063553 0.065218 0.065218 0.063553 0.063553
12 0.065218 0.066881 0.065218 0.063553 0.063553 0.063553
13 0.066881 0.065218 0.063553 0.063553 0.062720 0.065218
14 0.066050 0.063553 0.063553 0.062720 0.065218 0.066881
15 0.064386 0.063553 0.062720 0.065218 0.066881 0.071862
16 0.064386 0.063553 0.065218 0.066050 0.071862 0.076127
17 0.063553 0.065218 0.065218 0.071033 0.076001 0.078481
18 0.041678 0.041678 0.042568 0.044848 0.044848 0.045304
19 0.041678 0.042568 0.043481 0.043936 0.043936 0.043481
20 0.041678 0.042112 0.042568 0.042568 0.042568 0.042568
21 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
22 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
23 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
24 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
25 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
26 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
27 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
28 0.041678 0.041678 0.041678 0.041678 0.041678 0.042112
29 0.041678 0.041678 0.041678 0.041678 0.042568 0.044848
30 0.041678 0.041678 0.041678 0.042568 0.044848 0.048030
31 0.041678 0.041678 0.043024 0.044848 0.048098 0.051552
32 0.041678 0.042568 0.045304 0.048098 0.051675 0.057044
33 0.041678 0.044848 0.047767 0.051675 0.057166 0.063084
34 0.044848 0.047644 0.052127 0.057166 0.063532 0.071007
35 0.047576 0.052456 0.057495 0.063411 0.070560 0.078003
36 0.051760 0.056594 0.062841 0.069993 0.078892 0.085654
37 0.056228 0.062514 0.069873 0.078653 0.085091 0.093837
38 0.062477 0.070319 0.079097 0.085978 0.093718 0.103309
39 0.069837 0.079302 0.085740 0.093837 0.103309 0.114734
40 0.077163 0.086267 0.093804 0.102987 0.115845 0.128323
41 0.083129 0.094092 0.102279 0.114647 0.128876 0.144574
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.048480 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.047637 0.053524 0.041678 0.041678 0.041678
2 0.041678 0.046793 0.053524 0.059383 0.041678 0.041678 0.041678
3 0.046793 0.053524 0.059383 0.061052 0.041678 0.041678 0.041678
4 0.054362 0.058547 0.061052 0.064386 0.041678 0.041678 0.041678
5 0.059383 0.061886 0.064386 0.063553 0.041678 0.041678 0.041678
6 0.061886 0.064386 0.063553 0.063553 0.041678 0.041678 0.041678
7 0.065218 0.063553 0.063553 0.063553 0.041678 0.042112 0.043024
8 0.064386 0.063553 0.063553 0.063553 0.041678 0.042568 0.045304
9 0.063553 0.063553 0.063553 0.066881 0.042568 0.045304 0.047576
10 0.063553 0.064386 0.066050 0.069373 0.045304 0.047576 0.048937
11 0.063553 0.065218 0.068669 0.074911 0.047576 0.048937 0.049391
12 0.065218 0.067713 0.074303 0.079484 0.048937 0.049391 0.049391
13 0.066881 0.072691 0.079484 0.082347 0.049391 0.049391 0.048484
14 0.072691 0.078219 0.081522 0.083776 0.049391 0.048484 0.049391
15 0.076566 0.081083 0.084600 0.082952 0.048484 0.048937 0.049391
16 0.079307 0.083431 0.082952 0.081522 0.048484 0.048937 0.048030
17 0.081782 0.081782 0.081741 0.081135 0.048484 0.047122 0.048937
18 0.046668 0.047576 0.047576 0.047576 0.046668 0.048030 0.048937
19 0.044392 0.045758 0.046212 0.045758 0.046668 0.047122 0.048484
20 0.042568 0.043936 0.044392 0.045304 0.045758 0.047122 0.048030
21 0.042112 0.043024 0.043481 0.044392 0.046212 0.047122 0.048030
22 0.041678 0.042112 0.043481 0.044848 0.046212 0.048030 0.048484
23 0.041678 0.041678 0.043936 0.045304 0.047122 0.048030 0.049391
24 0.041678 0.042112 0.044392 0.046212 0.047576 0.049391 0.052542
25 0.041678 0.042568 0.045304 0.047122 0.049391 0.052542 0.058236
26 0.041678 0.043481 0.046668 0.049391 0.052542 0.058359 0.063702
27 0.043024 0.045304 0.049391 0.052664 0.058480 0.063824 0.071948
28 0.045304 0.048030 0.052334 0.058480 0.063945 0.072069 0.079386
29 0.048030 0.051430 0.058602 0.063945 0.072189 0.079506 0.086914
30 0.051552 0.056923 0.064067 0.072310 0.079626 0.087034 0.096739
31 0.057495 0.063290 0.072431 0.079746 0.087153 0.096858 0.105762
32 0.063411 0.071659 0.079422 0.087392 0.096095 0.105880 0.114433
33 0.071333 0.079097 0.087512 0.095450 0.105120 0.114551 0.127354
34 0.078328 0.086302 0.095569 0.104360 0.114348 0.127589 0.143060
35 0.085535 0.094364 0.104156 0.114466 0.127823 0.143727 0.162782
36 0.093599 0.102955 0.114701 0.127940 0.143960 0.163446 0.184124
37 0.103191 0.113943 0.127738 0.144628 0.164540 0.185214 0.209753
38 0.114616 0.127972 0.145728 0.165204 0.186848 0.211693 0.234983
39 0.128525 0.145961 0.166299 0.188795 0.213203 0.236912 0.259944
40 0.145760 0.166099 0.189885 0.215141 0.238842 0.261865 0.285687
41 0.165037 0.191402 0.217077 0.240460 0.263478 0.286952 0.312278
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.043481
3 0.041678 0.041678 0.041678 0.041678 0.043936 0.045758
4 0.041678 0.041678 0.042112 0.043936 0.046212 0.047122
5 0.041678 0.042568 0.044392 0.046668 0.047122 0.047576
6 0.042568 0.044848 0.046668 0.047576 0.048030 0.047576
7 0.045304 0.047122 0.048030 0.048484 0.048030 0.047576
8 0.047576 0.048484 0.048937 0.048484 0.047576 0.047576
9 0.048937 0.049391 0.048937 0.048030 0.048030 0.048484
10 0.049391 0.048937 0.048484 0.048484 0.048937 0.048937
11 0.048937 0.048937 0.048937 0.049391 0.049391 0.049391
12 0.048484 0.049391 0.049844 0.049844 0.049391 0.048937
13 0.049391 0.050296 0.050296 0.049844 0.049391 0.048484
14 0.049844 0.049844 0.050296 0.049844 0.048937 0.048030
15 0.048937 0.050296 0.049844 0.049391 0.048484 0.048030
16 0.049391 0.049844 0.049844 0.048484 0.048484 0.048484
17 0.049844 0.049844 0.048937 0.048484 0.048937 0.050296
18 0.049844 0.048484 0.048937 0.049391 0.050749 0.053009
19 0.048484 0.048030 0.049844 0.051201 0.053461 0.057748
20 0.048030 0.049391 0.049844 0.053980 0.058320 0.063094
21 0.048937 0.049844 0.053652 0.058769 0.063664 0.070451
22 0.049391 0.053200 0.057992 0.064682 0.071018 0.078220
23 0.052870 0.058114 0.063907 0.071585 0.078784 0.087081
24 0.058236 0.063459 0.071706 0.078905 0.088085 0.096345
25 0.063581 0.071827 0.079025 0.087321 0.097345 0.105252
26 0.071948 0.079145 0.086998 0.097465 0.106250 0.114246
27 0.079266 0.087117 0.097262 0.106368 0.115677 0.126180
28 0.087237 0.096941 0.105727 0.115914 0.127723 0.140039
29 0.097060 0.105407 0.114718 0.126650 0.141576 0.157616
30 0.105525 0.114079 0.126768 0.141810 0.159028 0.175857
31 0.114197 0.127003 0.142043 0.159261 0.177809 0.198848
32 0.127237 0.142160 0.160790 0.178471 0.200906 0.224127
33 0.142393 0.161022 0.179562 0.202420 0.226060 0.250714
34 0.161686 0.181513 0.204362 0.227683 0.251057 0.280489
35 0.182603 0.206418 0.229189 0.253520 0.280831 0.309834
36 0.207815 0.231236 0.255444 0.281172 0.310288 0.336525
37 0.233167 0.257058 0.280246 0.311889 0.333927 0.368988
38 0.258558 0.281741 0.310628 0.333927 0.359370 0.401794
39 0.283771 0.309834 0.334847 0.359820 0.384696 0.437553
40 0.311436 0.336412 0.358920 0.383830 0.418396 0.479337
41 0.337670 0.358501 0.383493 0.418428 0.461872 0.519039
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Super Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.041678 0.049439 0.057749 0.064759 0.069161 0.070801 0.078242
43 0.041678 0.052700 0.062372 0.071370 0.075110 0.077797 0.086541
44 0.046148 0.056485 0.068653 0.078082 0.081626 0.086660 0.094923
45 0.051837 0.062924 0.075040 0.085378 0.089630 0.095484 0.105153
46 0.059720 0.069865 0.081676 0.093255 0.101742 0.106269 0.117446
47 0.067520 0.076383 0.089286 0.101705 0.112785 0.118673 0.128057
48 0.069287 0.082038 0.096158 0.110286 0.123033 0.128812 0.140773
49 0.072470 0.088043 0.103998 0.119911 0.132001 0.140740 0.156901
50 0.075089 0.094840 0.112934 0.127126 0.142381 0.156202 0.176205
51 0.078798 0.102791 0.119494 0.135818 0.155877 0.174730 0.197597
52 0.081710 0.107080 0.127591 0.147300 0.172005 0.195122 0.222849
53 0.083826 0.113354 0.139011 0.162781 0.188957 0.215960 0.244349
54 0.086562 0.121661 0.153300 0.179628 0.209633 0.235442 0.259112
55 0.091238 0.132631 0.168402 0.200550 0.228888 0.247648 0.276066
56 0.097751 0.143177 0.187274 0.219722 0.240453 0.262059 0.289517
57 0.104005 0.158217 0.204673 0.231603 0.255312 0.272433 0.310771
58 0.123580 0.179245 0.219438 0.252659 0.272199 0.297080 0.339247
59 0.144345 0.192796 0.239157 0.269317 0.300768 0.326167 0.368693
60 0.160721 0.212160 0.254786 0.299300 0.328256 0.358001 0.397521
61 0.176095 0.227470 0.283970 0.327956 0.364777 0.388171 0.419837
62 0.190858 0.256836 0.311201 0.366264 0.398779 0.413478 0.431461
63 0.204515 0.272808 0.340173 0.394212 0.419613 0.430076 0.487547
64 0.218223 0.297579 0.364967 0.413035 0.427768 0.479288 0.521906
65 0.231858 0.317673 0.383791 0.417544 0.469698 0.521983 0.564977
66 0.244359 0.334109 0.385924 0.445603 0.503859 0.552636 0.644171
67 0.256445 0.335446 0.405130 0.469788 0.548603 0.640908 0.760573
68 0.274266 0.358529 0.435611 0.513957 0.593555 0.681329 0.798958
69 0.301292 0.391919 0.478310 0.559551 0.639419 0.726662 0.839285
70 0.327836 0.419416 0.517428 0.596871 0.679531 0.765396 0.877705
71 0.362643 0.457283 0.558971 0.640013 0.731762 0.812817 0.918830
72 0.402340 0.505286 0.606172 0.754869 0.838648 0.862968 1.031727
73 0.425844 0.600707 0.773162 0.842273 0.886386 1.013135 1.144509
74 0.466008 0.659096 0.845316 0.905313 1.011255 1.119597 1.225628
75 0.510710 0.720924 0.926188 1.015076 1.112131 1.199295 1.401210
76 0.558981 0.788847 1.020211 1.116547 1.228239 1.368732 1.758257
77 0.610510 0.869915 1.122017 1.235458 1.384330 1.702653 2.085813
78 0.671204 0.955841 1.239167 1.388850 1.752064 2.004347 2.246430
79 0.737262 1.053488 1.367221 1.662110 1.926436 2.160962 2.477760
80 0.812650 1.162754 1.503497 1.825100 2.100152 2.382669 2.748879
81 0.896168 1.278923 1.651933 1.987780 2.317597 2.645870 3.114106
82 0.984458 1.403730 1.800515 2.286047 2.645583 3.043817 3.442136
83 1.078657 1.693154 2.110641 2.606181 3.016568 3.367815 3.936557
84 1.380504 2.011951 2.443292 2.968698 3.399718 3.871331 4.462963
85 1.735407 2.362745 2.822520 3.375725 3.903235 4.366861 4.875425
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
42 0.090201 0.102330 0.112275 0.127972 0.143939 0.163974
43 0.098130 0.111889 0.126079 0.142636 0.162363 0.191979
44 0.107587 0.123076 0.138749 0.162247 0.187260 0.213615
45 0.119110 0.131841 0.152439 0.180271 0.208720 0.236359
46 0.128525 0.144373 0.167919 0.200791 0.231794 0.263462
47 0.140836 0.160001 0.186150 0.222653 0.259878 0.286400
48 0.157198 0.179841 0.208273 0.249751 0.284289 0.309994
49 0.176618 0.201877 0.233935 0.273126 0.309768 0.327387
50 0.198126 0.228306 0.259795 0.297152 0.322151 0.347177
51 0.224031 0.254614 0.281105 0.319003 0.343322 0.371135
52 0.249394 0.275940 0.302045 0.340264 0.365108 0.401209
53 0.268182 0.298562 0.325122 0.359719 0.399542 0.419779
54 0.287873 0.321453 0.353634 0.396145 0.418391 0.464390
55 0.307005 0.349251 0.392808 0.417804 0.460156 0.495937
56 0.330651 0.388248 0.418860 0.454896 0.490942 0.507036
57 0.365234 0.420776 0.449224 0.483100 0.496508 0.576946
58 0.389452 0.447061 0.477741 0.486190 0.563816 0.625559
59 0.417475 0.457529 0.480697 0.560030 0.603205 0.682095
60 0.433680 0.458191 0.507650 0.588105 0.657651 0.745553
61 0.439944 0.488172 0.530501 0.614860 0.728135 0.829972
62 0.484259 0.526133 0.597362 0.713106 0.811796 0.895065
63 0.523418 0.583989 0.678177 0.804186 0.875822 0.957738
64 0.576013 0.667810 0.785132 0.856260 0.936272 1.072222
65 0.656147 0.774670 0.834319 0.913406 1.048859 1.171101
66 0.763135 0.822631 0.888591 1.010268 1.145222 1.270985
67 0.809571 0.894361 0.982286 1.101354 1.227084 1.433889
68 0.903614 0.961355 1.067403 1.192873 1.437695 1.670235
69 0.948229 1.072051 1.150055 1.441985 1.650089 1.971971
70 0.991603 1.135180 1.291305 1.583965 1.862147 2.257049
71 1.042303 1.200501 1.384214 1.735693 2.182154 2.597480
72 1.162564 1.279336 1.477928 1.897803 2.581378 2.858811
73 1.250926 1.458707 1.728741 2.408926 2.750242 3.085232
74 1.431420 1.745171 2.313785 2.627610 2.990862 3.274373
75 1.765105 2.265175 2.522575 2.886069 3.202628 3.568834
76 2.192521 2.445034 2.772034 3.090042 3.488655 3.876894
77 2.366073 2.691741 2.997732 3.404952 3.859551 4.272046
78 2.581042 2.942217 3.307630 3.798655 4.232724 4.701520
79 2.859039 3.251982 3.699679 4.163256 4.677921 4.956426
80 3.192928 3.641471 4.087986 4.647684 4.941223 5.380706
81 3.565489 4.070804 4.562854 4.892547 5.352338 5.793012
82 3.977182 4.550425 4.852918 5.370486 5.763164 6.234248
83 4.507447 4.828037 5.341950 5.755009 6.267622 6.772630
84 4.827863 5.345597 5.757957 6.273429 6.839449 7.393099
85 5.450219 5.869530 6.278728 6.906919 7.466117 8.257908
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Super Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
42 0.191748 0.219013 0.242389 0.265399 0.288640 0.312731 0.339379
43 0.219358 0.244741 0.267743 0.290019 0.313070 0.339379 0.358421
44 0.241964 0.269663 0.291511 0.314332 0.339412 0.358227 0.383025
45 0.269582 0.293003 0.315594 0.339299 0.358452 0.382833 0.410384
46 0.289549 0.317195 0.339331 0.358258 0.382639 0.410190 0.431651
47 0.315124 0.337879 0.359739 0.382446 0.407914 0.429074 0.467457
48 0.332005 0.356391 0.382252 0.409164 0.430544 0.462619 0.511821
49 0.350641 0.379136 0.408748 0.432541 0.464528 0.511656 0.571210
50 0.373368 0.405109 0.434011 0.466520 0.511160 0.565361 0.628908
51 0.401715 0.425720 0.470584 0.510664 0.559949 0.622693 0.667415
52 0.418559 0.461984 0.509755 0.554122 0.616886 0.667055 0.730286
53 0.463920 0.496847 0.547963 0.610362 0.666697 0.730035 0.810433
54 0.496737 0.533872 0.603835 0.666445 0.729351 0.809882 0.883580
55 0.516128 0.593273 0.665674 0.728690 0.809628 0.874300 0.955863
56 0.585209 0.654240 0.731708 0.808968 0.873855 0.955014 1.032423
57 0.637206 0.722977 0.799962 0.872787 0.954033 1.031573 1.137366
58 0.706441 0.785625 0.872020 0.943148 1.030509 1.135582 1.279607
59 0.763942 0.856713 0.932364 1.028720 1.134435 1.278337 1.417003
60 0.849763 0.925827 1.022116 1.133076 1.263781 1.400724 1.554319
61 0.906921 1.014359 1.131397 1.248372 1.400112 1.550944 1.738834
62 0.980701 1.121917 1.240698 1.399394 1.549382 1.737481 1.991792
63 1.095795 1.235950 1.381904 1.547713 1.736022 1.999070 2.254078
64 1.195295 1.368809 1.545750 1.734669 2.007807 2.264605 2.543195
65 1.311387 1.530657 1.741215 2.016543 2.276396 2.557378 2.805381
66 1.485442 1.733752 2.025280 2.287857 2.571161 2.828670 3.050489
67 1.692280 2.016839 2.299110 2.583480 2.852357 3.078143 3.329622
68 1.994450 2.309237 2.597261 2.873878 3.103634 3.357221 3.604277
69 2.285678 2.609580 2.899629 3.129423 3.385324 3.636967 3.916833
70 2.605177 2.921550 3.153874 3.410861 3.664522 3.947746 4.256153
71 2.893887 3.179137 3.438752 3.696593 3.981122 4.292178 4.618484
72 3.148957 3.466234 3.722708 4.015218 4.327491 4.661292 4.999539
73 3.344029 3.719727 4.007581 4.313457 4.677763 5.014995 5.348633
74 3.646712 3.971871 4.315113 4.701625 5.023921 5.358499 5.625668
75 3.928209 4.318617 4.721609 5.030498 5.368066 5.677619 6.047729
76 4.310979 4.724594 5.034726 5.371790 5.683917 6.107700 6.474868
77 4.713359 5.029847 5.374606 5.735056 6.137022 6.535175 6.945321
78 5.014409 5.371771 5.739521 6.142398 6.539943 7.004928 7.690055
79 5.396463 5.787482 6.188493 6.596867 7.062493 7.768611 8.313802
80 5.763250 6.216091 6.653187 7.124055 7.847839 8.398890 9.012366
81 6.217136 6.711287 7.179737 7.928047 8.485078 9.105182
82 6.735137 7.250168 8.009237 8.572369 9.199536
83 7.321152 8.091516 8.660661 9.294602
84 8.174371 8.749648 9.390274
85 8.839641 9.487497
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
42 0.358614 0.383300 0.415016 0.458060 0.491364 0.555559
43 0.383107 0.412741 0.453719 0.486619 0.531392 0.602770
44 0.410883 0.445335 0.481984 0.522146 0.576502 0.662124
45 0.436418 0.482235 0.517108 0.571069 0.633833 0.736989
46 0.472514 0.512067 0.571097 0.634189 0.692843 0.815575
47 0.511903 0.571346 0.634655 0.674063 0.752390 0.894601
48 0.571264 0.640755 0.667561 0.745609 0.826240 0.977143
49 0.635038 0.667613 0.738092 0.826506 0.893176 1.069638
50 0.667254 0.730895 0.826664 0.893118 0.976494 1.174761
51 0.730537 0.818676 0.888697 0.976649 1.060953 1.288674
52 0.810685 0.884490 0.966755 1.051020 1.163627 1.399224
53 0.883940 0.956667 1.040678 1.152611 1.283134 1.540204
54 0.956414 1.040127 1.141186 1.294743 1.436423 1.694805
55 1.039065 1.139914 1.293430 1.435515 1.563897 1.873179
56 1.138640 1.293816 1.434098 1.562083 1.725902 2.071279
57 1.292949 1.432386 1.560670 1.724492 1.960397 2.262252
58 1.430970 1.558855 1.739844 1.967887 2.199212 2.484819
59 1.556640 1.739292 1.972561 2.209968 2.460092 2.709668
60 1.739892 1.979944 2.220707 2.483510 2.690270 2.946393
61 1.987328 2.231861 2.507236 2.714324 2.925282 3.183540
62 2.242925 2.519056 2.737214 2.951634 3.189375 3.447218
63 2.531377 2.759705 2.975822 3.216301 3.449777 3.738798
64 2.782594 3.000410 3.245461 3.481681 3.742690 4.063745
65 3.027663 3.272361 3.513061 3.779380 4.065915 4.414654
66 3.299557 3.543201 3.816074 4.105957 4.410846 4.780185
67 3.574358 3.849861 4.142086 4.453039 4.786609 5.204160
68 3.881809 4.181823 4.493356 4.825822 5.155254 5.498550
69 4.216216 4.536572 4.869562 5.192638 5.501621 5.821803
70 4.573630 4.909196 5.244423 5.548814 5.844379 6.242797
71 4.953659 5.288597 5.597959 5.884720 6.283029 6.712385
72 5.335355 5.650932 5.934753 6.332727 6.771220 7.235679
73 5.620202 5.979727 6.347504 6.693728 7.309325 7.820875
74 6.025549 6.408179 6.755632 7.384041 7.900549 8.475453
75 6.467432 6.817972 7.459317 7.981309 8.562632
76 6.881172 7.535257 8.063051 8.650502
77 7.612170 8.145885 8.739481
78 8.229297 8.829466
79 8.920565
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.076809 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.049321
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.050163 0.057711
12 0.041678 0.041678 0.041678 0.041678 0.053003 0.058547 0.063553
13 0.041678 0.041678 0.041678 0.055912 0.060854 0.064386 0.066050
14 0.041678 0.041678 0.058888 0.064064 0.068656 0.066050 0.067713
15 0.041678 0.061934 0.066404 0.071264 0.070385 0.067713 0.066050
16 0.065046 0.069714 0.074800 0.073058 0.072112 0.066881 0.064386
17 0.073091 0.078403 0.075730 0.074849 0.070385 0.065218 0.064386
18 0.065248 0.062363 0.060960 0.058128 0.054682 0.051979 0.050701
19 0.063712 0.061620 0.058096 0.056748 0.054018 0.050063 0.049423
20 0.062175 0.056410 0.055942 0.054674 0.052688 0.048783 0.048143
21 0.057544 0.053418 0.053062 0.051902 0.050689 0.048143 0.048143
22 0.053664 0.050415 0.049448 0.049818 0.050022 0.048143 0.048143
23 0.049764 0.047400 0.047998 0.049123 0.050022 0.048143 0.048783
24 0.045055 0.045130 0.046545 0.049123 0.050022 0.048783 0.048783
25 0.041895 0.042852 0.045818 0.048427 0.048688 0.048143 0.048783
26 0.041678 0.041678 0.045090 0.046334 0.046681 0.046220 0.048143
27 0.041678 0.041678 0.042169 0.043536 0.044000 0.044292 0.047502
28 0.041678 0.041678 0.042901 0.044236 0.044000 0.044935 0.048783
29 0.041678 0.041678 0.042901 0.044236 0.044670 0.046220 0.048783
30 0.041678 0.041678 0.042901 0.045636 0.046011 0.046861 0.049423
31 0.041678 0.041678 0.042901 0.045636 0.046681 0.047502 0.048783
32 0.041678 0.041678 0.043632 0.045636 0.046681 0.047502 0.048783
33 0.041678 0.042091 0.045818 0.048427 0.048688 0.049423 0.051340
34 0.041678 0.043612 0.047998 0.050514 0.050689 0.051979 0.055051
35 0.041678 0.044372 0.049448 0.052596 0.053352 0.054705 0.059730
36 0.041678 0.045130 0.051618 0.054674 0.055851 0.058922 0.062663
37 0.041678 0.046644 0.053782 0.058061 0.061580 0.063126 0.071283
38 0.041678 0.048155 0.055223 0.060896 0.065307 0.071283 0.077516
39 0.041678 0.049662 0.058394 0.065288 0.070999 0.076087 0.085615
40 0.041678 0.052668 0.062984 0.072400 0.077325 0.081847 0.093395
41 0.043477 0.057156 0.070399 0.079856 0.085291 0.092312 0.101320
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.045949
5 0.041678 0.041678 0.041678 0.041678 0.046793 0.054362
6 0.041678 0.041678 0.041678 0.046793 0.055200 0.059383
7 0.041678 0.041678 0.046793 0.055200 0.059383 0.061886
8 0.041678 0.047637 0.056037 0.060217 0.061886 0.065218
9 0.048480 0.056037 0.060217 0.062720 0.065218 0.064386
10 0.056875 0.061052 0.062720 0.065218 0.064386 0.063553
11 0.062720 0.063553 0.065218 0.065218 0.063553 0.063553
12 0.065218 0.066881 0.065218 0.063553 0.063553 0.063553
13 0.066881 0.065218 0.063553 0.063553 0.062720 0.065218
14 0.066050 0.063553 0.063553 0.062720 0.065218 0.066881
15 0.064386 0.063553 0.062720 0.065218 0.066881 0.071862
16 0.064386 0.063553 0.065218 0.066050 0.071862 0.076127
17 0.063553 0.065218 0.065218 0.071033 0.076001 0.078481
18 0.051979 0.051979 0.055804 0.058982 0.058982 0.059616
19 0.051979 0.055804 0.057076 0.057711 0.057711 0.057076
20 0.051340 0.055166 0.055804 0.055804 0.055804 0.055804
21 0.050701 0.052617 0.053255 0.053892 0.053892 0.054529
22 0.050701 0.051979 0.051979 0.052617 0.053255 0.052617
23 0.049423 0.049423 0.050701 0.050063 0.051979 0.052617
24 0.048783 0.049423 0.049423 0.050701 0.050701 0.053255
25 0.049423 0.049423 0.050063 0.050701 0.053255 0.053255
26 0.049423 0.050063 0.050063 0.051340 0.051979 0.052620
27 0.050063 0.049423 0.050701 0.050701 0.052620 0.055051
28 0.050063 0.050701 0.050063 0.052620 0.055051 0.056377
29 0.050701 0.050701 0.052793 0.054414 0.057015 0.060880
30 0.051340 0.053431 0.054587 0.057015 0.061052 0.066515
31 0.051982 0.055223 0.057822 0.061052 0.066686 0.071502
32 0.053139 0.057187 0.061686 0.066686 0.071671 0.079162
33 0.055568 0.061223 0.066223 0.071671 0.079331 0.087590
34 0.060709 0.066052 0.072303 0.079331 0.088217 0.098656
35 0.065540 0.072765 0.079791 0.088049 0.098031 0.108431
36 0.071794 0.078532 0.087254 0.097239 0.109676 0.119128
37 0.078025 0.086796 0.097071 0.109342 0.118341 0.130572
38 0.086748 0.097696 0.109964 0.119582 0.130406 0.143829
39 0.097025 0.110252 0.119249 0.130572 0.143829 0.159829
40 0.107262 0.119991 0.130529 0.143377 0.161384 0.178872
41 0.115603 0.130938 0.142389 0.159706 0.179646 0.201662
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.048480 0.044935 0.048783 0.050701
1 0.041678 0.041678 0.047637 0.053524 0.049423 0.050701 0.051340
2 0.041678 0.046793 0.053524 0.059383 0.051340 0.051979 0.051340
3 0.046793 0.053524 0.059383 0.061052 0.051979 0.051979 0.051979
4 0.054362 0.058547 0.061052 0.064386 0.052617 0.052617 0.052617
5 0.059383 0.061886 0.064386 0.063553 0.053255 0.053255 0.052617
6 0.061886 0.064386 0.063553 0.063553 0.050701 0.053255 0.054529
7 0.065218 0.063553 0.063553 0.063553 0.050701 0.055166 0.056439
8 0.064386 0.063553 0.063553 0.063553 0.053255 0.055804 0.059616
9 0.063553 0.063553 0.063553 0.066881 0.055804 0.059616 0.062786
10 0.063553 0.064386 0.066050 0.069373 0.059616 0.062786 0.064685
11 0.063553 0.065218 0.068669 0.074911 0.062786 0.064685 0.065318
12 0.065218 0.067713 0.074303 0.079484 0.064685 0.065318 0.065318
13 0.066881 0.072691 0.079484 0.082347 0.065318 0.065318 0.064053
14 0.072691 0.078219 0.081522 0.083776 0.065318 0.064053 0.065318
15 0.076566 0.081083 0.084600 0.082952 0.064053 0.064685 0.065318
16 0.079307 0.083431 0.082952 0.081522 0.064053 0.064685 0.063420
17 0.081782 0.081782 0.081741 0.081135 0.064053 0.062153 0.064685
18 0.061520 0.062786 0.062786 0.062786 0.061520 0.063420 0.064685
19 0.058347 0.060251 0.060885 0.060251 0.061520 0.062156 0.064402
20 0.055804 0.057711 0.058347 0.059616 0.060254 0.062502 0.063941
21 0.055166 0.056439 0.057076 0.058350 0.061234 0.062847 0.064459
22 0.054529 0.055166 0.057076 0.058982 0.061234 0.064459 0.065780
23 0.053892 0.054529 0.057711 0.059965 0.063192 0.065318 0.067901
24 0.053892 0.055169 0.058696 0.061924 0.064513 0.068072 0.072885
25 0.053258 0.056152 0.060655 0.064052 0.068072 0.072885 0.080831
26 0.054878 0.058115 0.063418 0.068243 0.072885 0.081001 0.088460
27 0.057478 0.061686 0.068243 0.073055 0.081170 0.088629 0.099979
28 0.061515 0.066515 0.072595 0.081170 0.088797 0.100147 0.110373
29 0.066515 0.071332 0.081340 0.088797 0.100315 0.110540 0.120898
30 0.071502 0.078993 0.088966 0.100482 0.110707 0.121064 0.134644
31 0.079791 0.087881 0.100650 0.110874 0.121231 0.134810 0.147275
32 0.088049 0.099569 0.110419 0.121563 0.133741 0.147440 0.159415
33 0.099113 0.109964 0.121729 0.132836 0.146373 0.159580 0.177523
34 0.108887 0.120035 0.133002 0.145306 0.159295 0.177850 0.199548
35 0.118962 0.131313 0.145019 0.159459 0.178177 0.200482 0.227232
36 0.130241 0.143335 0.159787 0.178340 0.200808 0.228162 0.257215
37 0.143665 0.158722 0.178056 0.201742 0.229699 0.258746 0.293255
38 0.159665 0.178382 0.203286 0.230629 0.261042 0.295981 0.328752
39 0.179157 0.203611 0.232166 0.263778 0.298106 0.331469 0.363891
40 0.203327 0.231883 0.265307 0.300831 0.334184 0.366599 0.400152
41 0.230389 0.267441 0.303555 0.336461 0.368868 0.401937 0.437648
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.050701 0.050701 0.050701 0.050701 0.050701 0.051979
1 0.051340 0.051340 0.051340 0.051340 0.051979 0.053892
2 0.051979 0.051979 0.051340 0.052617 0.054529 0.057076
3 0.051979 0.051979 0.053255 0.054529 0.057711 0.060251
4 0.052617 0.053255 0.055166 0.057711 0.060885 0.062153
5 0.053892 0.055804 0.058347 0.061520 0.062153 0.062786
6 0.055804 0.058982 0.061520 0.062786 0.063420 0.062786
7 0.059616 0.062153 0.063420 0.064053 0.063420 0.062786
8 0.062786 0.064053 0.064685 0.064053 0.062786 0.062786
9 0.064685 0.065318 0.064685 0.063420 0.063420 0.064053
10 0.065318 0.064685 0.064053 0.064053 0.064685 0.064685
11 0.064685 0.064685 0.064685 0.065318 0.065318 0.065318
12 0.064053 0.065318 0.065951 0.065951 0.065318 0.064685
13 0.065318 0.066583 0.066583 0.065951 0.065318 0.064053
14 0.065951 0.065951 0.066583 0.065951 0.064685 0.063422
15 0.064685 0.066583 0.065951 0.065321 0.064229 0.063941
16 0.065318 0.065951 0.065954 0.064229 0.064575 0.065264
17 0.065951 0.066127 0.065034 0.064747 0.065896 0.068653
18 0.066127 0.064402 0.065379 0.066701 0.069284 0.073465
19 0.064575 0.064286 0.067334 0.070087 0.074095 0.080152
20 0.064286 0.066873 0.068363 0.074896 0.080950 0.087615
21 0.066240 0.068363 0.074437 0.081578 0.088410 0.097889
22 0.067901 0.073806 0.080492 0.089832 0.098681 0.108746
23 0.073346 0.080662 0.088749 0.099474 0.109535 0.121137
24 0.080831 0.088122 0.099643 0.109703 0.122543 0.134100
25 0.088291 0.099811 0.109870 0.121470 0.135500 0.146568
26 0.099979 0.110038 0.121018 0.135666 0.147964 0.159163
27 0.110205 0.121185 0.135381 0.148129 0.161167 0.175885
28 0.121351 0.134930 0.147229 0.161497 0.178048 0.195317
29 0.135096 0.146779 0.159821 0.176541 0.197472 0.219984
30 0.146945 0.158922 0.176704 0.197798 0.221968 0.245604
31 0.159087 0.177032 0.198124 0.222293 0.248346 0.277922
32 0.177359 0.198287 0.224437 0.249275 0.280815 0.313478
33 0.198613 0.224762 0.250808 0.282942 0.316199 0.350900
34 0.225694 0.253548 0.285672 0.318480 0.351380 0.392840
35 0.255080 0.288562 0.320600 0.354848 0.393318 0.434203
36 0.290528 0.323479 0.357557 0.393796 0.434838 0.471850
37 0.326197 0.359829 0.392488 0.437096 0.468178 0.517676
38 0.361940 0.394593 0.435314 0.468178 0.504084 0.564011
39 0.397452 0.434203 0.469480 0.504715 0.539836 0.614546
40 0.436461 0.471692 0.503453 0.538617 0.587449 0.673642
41 0.473469 0.502863 0.538144 0.587487 0.648926 0.729827
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Preferred Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- --------- -------- --------- -------- --------- -------- --------
42 0.045842 0.064589 0.078481 0.088632 0.095353 0.098366 0.108765
43 0.052885 0.070081 0.084804 0.097737 0.103602 0.108142 0.120368
44 0.059090 0.076280 0.093397 0.106985 0.112643 0.120533 0.132096
45 0.066781 0.085055 0.102143 0.117047 0.123756 0.132879 0.146416
46 0.078418 0.094504 0.111233 0.127913 0.140590 0.147977 0.163633
47 0.089871 0.103379 0.121664 0.139578 0.155944 0.165352 0.178504
48 0.093223 0.111084 0.131093 0.151435 0.170208 0.179564 0.196338
49 0.097530 0.119272 0.141858 0.164745 0.182694 0.196295 0.218975
50 0.101073 0.128543 0.154134 0.174724 0.197158 0.218000 0.246090
51 0.106095 0.139395 0.163148 0.186755 0.215977 0.244026 0.276159
52 0.110036 0.145246 0.174283 0.202660 0.238483 0.272690 0.311678
53 0.112905 0.153820 0.189998 0.224113 0.262141 0.301989 0.341932
54 0.116618 0.165178 0.209676 0.247471 0.291020 0.329394 0.362704
55 0.122965 0.180187 0.230484 0.276507 0.317929 0.346563 0.386571
56 0.131814 0.194623 0.256514 0.303136 0.334091 0.366845 0.405506
57 0.140310 0.215228 0.280531 0.319640 0.354867 0.381441 0.435467
58 0.166943 0.244063 0.300906 0.348894 0.378484 0.416180 0.475633
59 0.195235 0.262651 0.328136 0.372044 0.418493 0.457189 0.517191
60 0.217572 0.289233 0.349725 0.413780 0.457000 0.502106 0.557905
61 0.238557 0.310261 0.390112 0.453679 0.508208 0.544697 0.589423
62 0.258724 0.350666 0.427804 0.507076 0.555916 0.580433 0.605823
63 0.277392 0.372627 0.467951 0.546075 0.585175 0.603884 0.685159
64 0.296102 0.406723 0.502324 0.572347 0.596614 0.673494 0.733787
65 0.314725 0.434388 0.528422 0.578612 0.655548 0.733936 0.794789
66 0.331798 0.457019 0.531337 0.617785 0.703594 0.777342 0.907095
67 0.348308 0.458810 0.557956 0.651564 0.766575 0.902499 1.072396
68 0.372660 0.490590 0.600236 0.713275 0.829821 0.959787 1.126894
69 0.409640 0.536625 0.659527 0.777021 0.894397 1.024071 1.184189
70 0.446016 0.574640 0.713917 0.829325 0.951005 1.079123 1.238800
71 0.493758 0.626966 0.771744 0.889807 1.024679 1.146462 1.297218
72 0.548247 0.693330 0.837495 1.051032 1.175705 1.217688 1.457963
73 0.580504 0.825535 1.070683 1.173862 1.243132 1.431486 1.618588
74 0.635712 0.906497 1.171563 1.262474 1.419880 1.583109 1.734195
75 0.697226 0.992325 1.284691 1.416999 1.562774 1.696646 1.985008
76 0.763708 1.086687 1.416338 1.559957 1.727425 1.938655 2.496676
77 0.834744 1.199383 1.559033 1.727653 1.949107 2.416990 2.967570
78 0.918475 1.318971 1.723423 1.944409 2.473279 2.850389 3.198749
79 1.009677 1.455028 1.903383 2.331622 2.722185 3.075595 3.532391
80 1.113872 1.607460 2.095141 2.562883 2.970626 3.395145 3.924240
81 1.229434 1.769720 2.304307 2.794126 3.282223 3.775272 4.453622
82 1.351736 1.944290 2.514039 3.219358 3.753555 4.351757 4.930102
83 1.482385 2.350486 2.953224 3.676997 4.288072 4.822128 5.649761
84 1.902498 2.799470 3.425786 4.196550 4.841367 5.554485 6.419090
85 2.398146 3.295057 3.966027 4.781529 5.570393 6.277877 7.023072
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- --------- --------- ---------
42 0.125490 0.142467 0.156387 0.178382 0.200768 0.228893
43 0.136586 0.155851 0.175730 0.198939 0.226628 0.268247
44 0.149824 0.171524 0.193492 0.226466 0.261609 0.298674
45 0.165965 0.183804 0.212698 0.251782 0.291781 0.330677
46 0.179157 0.201377 0.234430 0.280626 0.324247 0.368833
47 0.196420 0.223310 0.260040 0.311372 0.363779 0.401147
48 0.219383 0.251178 0.291141 0.349517 0.398170 0.434406
49 0.246660 0.282153 0.327247 0.382438 0.434090 0.458933
50 0.276888 0.319332 0.363660 0.416300 0.451539 0.486852
51 0.313329 0.356369 0.393683 0.447110 0.481405 0.520669
52 0.349032 0.386412 0.423197 0.477105 0.512162 0.563144
53 0.375479 0.418283 0.455730 0.504557 0.560786 0.589351
54 0.403211 0.450549 0.495963 0.555994 0.587392 0.652415
55 0.430164 0.489769 0.551275 0.586574 0.646436 0.697023
56 0.463510 0.544825 0.588064 0.639003 0.689970 0.712670
57 0.512307 0.590769 0.630970 0.678879 0.697789 0.811651
58 0.546504 0.627924 0.671303 0.683206 0.793095 0.880538
59 0.586094 0.642707 0.675446 0.787759 0.848888 0.960714
60 0.608988 0.643606 0.713558 0.827503 0.926073 1.050782
61 0.617813 0.685994 0.745878 0.865379 1.026096 1.170756
62 0.680483 0.739710 0.840597 1.004782 1.144968 1.263327
63 0.735902 0.821664 0.955230 1.134199 1.235999 1.352508
64 0.810398 0.940549 1.107178 1.208223 1.322001 1.515654
65 0.924044 1.092354 1.177096 1.289522 1.482418 1.656704
66 1.076015 1.160523 1.254298 1.427498 1.619853 1.799281
67 1.142011 1.262588 1.387747 1.557376 1.736644 2.032095
68 1.275788 1.357899 1.508940 1.687735 2.037548 2.370436
69 1.339224 1.515624 1.626656 2.043702 2.341493 2.803627
70 1.400914 1.605499 1.828162 2.246770 2.645715 3.213973
71 1.473012 1.698493 1.960709 2.464119 3.106022 3.705378
72 1.644352 1.810770 2.094565 2.696610 3.682145 4.083453
73 1.770278 2.067122 2.453854 3.432940 3.926074 4.411493
74 2.028140 2.477588 3.295805 3.748691 4.274532 4.685817
75 2.506340 3.225851 3.597044 4.122699 4.581565 5.113978
76 3.121185 3.485127 3.957737 4.418167 4.997268 5.562336
77 3.371186 3.841555 4.284514 4.875526 5.537251 6.139053
78 3.681384 4.204123 4.734273 5.448656 6.081708 6.767726
79 4.083491 4.653453 5.304503 5.980397 6.733343 7.141379
80 4.567724 5.219726 5.870740 6.689328 7.119117 7.766001
81 5.109358 5.845728 6.565334 7.047968 7.724349 8.375200
82 5.709098 6.547159 6.990102 7.751426 8.331277 9.029641
83 6.484646 6.953697 7.709587 8.319251 9.079147 9.829815
84 6.953270 7.714815 8.323536 9.087665 9.929427 10.756026
85 7.869197 8.488678 9.095434 10.030056 10.865355 12.054513
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Preferred Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.267924 0.306278 0.339176 0.371574 0.404318 0.438283 0.475878
43 0.306761 0.342487 0.374877 0.406262 0.438759 0.475878 0.502744
44 0.338577 0.377581 0.408366 0.440539 0.475918 0.502469 0.537476
45 0.377463 0.410468 0.442320 0.475760 0.502784 0.537201 0.576101
46 0.405590 0.444576 0.475801 0.502508 0.536925 0.575825 0.606143
47 0.441649 0.473748 0.504598 0.536649 0.572603 0.602493 0.656765
48 0.465454 0.499867 0.536373 0.574371 0.604570 0.649910 0.719527
49 0.491744 0.531966 0.573782 0.607392 0.652606 0.719287 0.803635
50 0.523818 0.568635 0.609469 0.655421 0.718581 0.795338 0.885390
51 0.563845 0.597736 0.661171 0.717874 0.787657 0.876561 0.939949
52 0.587621 0.648997 0.716583 0.779388 0.868312 0.939429 1.029153
53 0.651743 0.698297 0.770653 0.859048 0.938910 1.028785 1.142976
54 0.698142 0.750676 0.849779 0.938543 1.027807 1.142180 1.246974
55 0.725533 0.834792 0.937440 1.026857 1.141810 1.233747 1.349825
56 0.823362 0.921198 1.031136 1.140859 1.233101 1.348602 1.458841
57 0.897041 1.018718 1.128037 1.231572 1.347197 1.457615 1.608455
58 0.995221 1.107641 1.230469 1.331673 1.456087 1.605900 1.811621
59 1.076843 1.208672 1.316293 1.453529 1.604247 1.809795 2.008085
60 1.198827 1.306969 1.444094 1.602294 1.788968 1.984773 2.204609
61 1.280111 1.433025 1.599887 1.766936 1.983872 2.199788 2.468974
62 1.385136 1.586351 1.755945 1.982819 2.197534 2.467014 2.832223
63 1.549196 1.749134 1.957779 2.195132 2.464904 2.842708 3.209758
64 1.691171 1.939013 2.192302 2.462944 2.855272 3.224932 3.626886
65 1.856977 2.170646 2.472333 2.867837 3.241900 3.647348 4.005898
66 2.105972 2.461599 2.880402 3.258408 3.667233 4.039639 4.361028
67 2.402081 2.868226 3.274621 3.685035 4.073964 4.401134 4.766200
68 2.835990 3.289220 3.704922 4.105194 4.438147 4.806356 5.165476
69 3.255215 3.722727 4.142488 4.475602 4.847252 5.213085 5.620541
70 3.716412 4.174312 4.511147 4.884470 5.253317 5.665738 6.115665
71 4.134190 4.547873 4.925088 5.300064 5.714504 6.168409 6.645638
72 4.504016 4.965129 5.338253 5.764325 6.220139 6.708473 7.204793
73 4.787089 5.333886 5.753096 6.199496 6.732663 7.227560 7.718639
74 5.227417 5.700854 6.201883 6.767677 7.240616 7.733122 8.127417
75 5.637118 6.206950 6.797040 7.250236 7.747170 8.204214 8.752420
76 6.195843 6.801380 7.256416 7.752633 8.213478 8.841337 9.386321
77 6.784994 7.249254 7.756758 8.289115 8.884834 9.476048 10.086626
78 7.226640 7.752579 8.295676 8.892746 9.483087 10.175603 11.200892
79 7.789160 8.366663 8.961270 9.567855 10.261582 11.318767 12.138732
80 8.330960 9.002246 9.651779 10.353585 11.437719 12.267003 13.194235
81 9.004096 9.738380 10.436894 11.558214 12.397015 13.334891
82 9.774000 10.542183 11.680258 12.528776 13.477979
83 10.648355 11.804013 12.662135 13.622247
84 11.928711 12.796633 13.767541
85 12.932743 13.915296
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 0.503021 0.537870 0.582659 0.643523 0.690635 0.781534
43 0.537595 0.579440 0.637377 0.683913 0.747284 0.848422
44 0.576809 0.625508 0.677345 0.734175 0.811169 0.932583
45 0.612888 0.677694 0.727032 0.803459 0.892418 1.038847
46 0.663927 0.719887 0.803496 0.892915 0.976113 1.150489
47 0.719647 0.803840 0.893565 0.949429 1.060621 1.262853
48 0.803720 0.902215 0.940185 1.050970 1.165522 1.380339
49 0.894095 0.940250 1.040277 1.165888 1.260693 1.512127
50 0.939732 1.030039 1.166100 1.260600 1.379285 1.662080
51 1.029519 1.154725 1.254294 1.379494 1.499610 1.824752
52 1.143344 1.248292 1.365382 1.485419 1.646029 1.982769
53 1.247496 1.350994 1.470649 1.630274 1.816719 2.184514
54 1.350623 1.469851 1.613939 1.833315 2.035922 2.405994
55 1.468324 1.612112 1.831437 2.034622 2.218330 2.661884
56 1.610284 1.831967 2.032597 2.215730 2.450471 2.946530
57 1.830717 2.030146 2.213706 2.448448 2.786926 3.221310
58 2.028120 2.211107 2.470488 2.797706 3.130753 3.542197
59 2.207932 2.469679 2.804480 3.146237 3.506851 3.867032
60 2.470508 2.815113 3.161705 3.540673 3.839258 4.209690
61 2.825746 3.177767 3.574945 3.874040 4.179420 4.553524
62 3.193697 3.592015 3.907177 4.217598 4.562343 4.936355
63 3.609813 3.939742 4.252682 4.601513 4.940495 5.360388
64 3.972891 4.288354 4.643857 4.986953 5.366469 5.833870
65 4.327862 4.682963 5.032608 5.419966 5.837429 6.346483
66 4.722514 5.076498 5.473485 5.895945 6.341243 6.882104
67 5.121869 5.522782 5.948763 6.403060 6.891755 7.482088
68 5.569434 6.006878 6.462132 6.949371 7.433613 7.927217
69 6.057214 6.525486 7.013663 7.488720 7.944313 8.417533
70 6.579849 7.071934 7.565000 8.014003 8.451206 9.041409
71 7.137332 7.630113 8.086593 8.510975 9.101298 9.739571
72 7.699080 8.164882 8.585088 9.175107 9.827281 10.520426
73 8.119379 8.651673 9.197037 9.711639 10.630562 11.397226
74 8.719586 9.287213 9.803842 10.742360 11.516896 12.382491
75 9.375332 9.896738 10.855058 11.638268 12.514074
76 9.990952 10.968813 11.761191 12.646787
77 11.084089 11.885832 12.781262
78 12.011418 12.917348
79 13.055213
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.076809 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.049321
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.050163 0.057711
12 0.041678 0.041678 0.041678 0.041678 0.053003 0.058547 0.063553
13 0.041678 0.041678 0.041678 0.055912 0.060854 0.064386 0.066050
14 0.041678 0.041678 0.058888 0.064064 0.068656 0.066050 0.067713
15 0.041678 0.061934 0.066404 0.071264 0.070385 0.067713 0.066050
16 0.065046 0.069714 0.074800 0.073058 0.072112 0.066881 0.064386
17 0.073091 0.078403 0.075730 0.074849 0.070385 0.065218 0.064386
18 0.082070 0.078403 0.076659 0.073058 0.068656 0.065218 0.063553
19 0.080080 0.077440 0.072940 0.071264 0.067792 0.062720 0.061886
20 0.078088 0.070683 0.070144 0.068568 0.066060 0.061052 0.060217
21 0.072088 0.066804 0.066404 0.064966 0.063460 0.060217 0.060217
22 0.067064 0.062909 0.061713 0.062257 0.062592 0.060217 0.060217
23 0.062012 0.059000 0.059831 0.061353 0.062592 0.060217 0.061052
24 0.055912 0.056056 0.057945 0.061353 0.062592 0.061052 0.061052
25 0.051819 0.053103 0.057001 0.060448 0.060854 0.060217 0.061052
26 0.046669 0.051127 0.056056 0.057728 0.058243 0.057711 0.060217
27 0.042520 0.049147 0.052264 0.054092 0.054752 0.055200 0.059383
28 0.044598 0.050138 0.053213 0.055002 0.054752 0.056037 0.061178
29 0.044598 0.050138 0.053213 0.055002 0.055626 0.057711 0.061398
30 0.044598 0.050138 0.053213 0.056820 0.057371 0.058547 0.062451
31 0.044598 0.049147 0.053213 0.056820 0.058243 0.059383 0.062055
32 0.043560 0.049147 0.054162 0.056820 0.058243 0.059728 0.062492
33 0.044598 0.052115 0.057001 0.060448 0.060978 0.062889 0.066262
34 0.045635 0.054088 0.059831 0.063238 0.064504 0.066658 0.071289
35 0.045635 0.055072 0.061713 0.066669 0.068659 0.070854 0.077349
36 0.045635 0.056056 0.064771 0.070093 0.072167 0.076304 0.081126
37 0.045635 0.058020 0.068338 0.074882 0.079568 0.081738 0.092318
38 0.047702 0.059979 0.070712 0.078523 0.084363 0.092318 0.100393
39 0.048734 0.062051 0.075194 0.084177 0.091716 0.098536 0.110898
40 0.050792 0.066477 0.081089 0.093368 0.099898 0.105987 0.120979
41 0.053868 0.073350 0.090653 0.102986 0.110198 0.119560 0.131240
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.045949
5 0.041678 0.041678 0.041678 0.041678 0.046793 0.054362
6 0.041678 0.041678 0.041678 0.046793 0.055200 0.059383
7 0.041678 0.041678 0.046793 0.055200 0.059383 0.061886
8 0.041678 0.047637 0.056037 0.060217 0.061886 0.065218
9 0.048480 0.056037 0.060217 0.062720 0.065218 0.064386
10 0.056875 0.061052 0.062720 0.065218 0.064386 0.063553
11 0.062720 0.063553 0.065218 0.065218 0.063553 0.063553
12 0.065218 0.066881 0.065218 0.063553 0.063553 0.063553
13 0.066881 0.065218 0.063553 0.063553 0.062720 0.065218
14 0.066050 0.063553 0.063553 0.062720 0.065218 0.066881
15 0.064386 0.063553 0.062720 0.065218 0.066881 0.071862
16 0.064386 0.063553 0.065218 0.066050 0.071862 0.076127
17 0.063553 0.065218 0.065218 0.071033 0.076001 0.078481
18 0.065218 0.065218 0.070204 0.074347 0.074347 0.075175
19 0.065218 0.070204 0.071862 0.072691 0.072691 0.071862
20 0.064386 0.069373 0.070204 0.070204 0.070204 0.070204
21 0.063553 0.066050 0.066881 0.067713 0.067713 0.068543
22 0.063553 0.065218 0.065218 0.066050 0.066881 0.066176
23 0.061886 0.061886 0.063553 0.062720 0.065344 0.066395
24 0.061052 0.061886 0.061886 0.063679 0.063899 0.067665
25 0.061886 0.061886 0.062845 0.064118 0.067665 0.068321
26 0.061886 0.062845 0.063065 0.065170 0.066439 0.068144
27 0.063065 0.062451 0.064337 0.064993 0.068144 0.071289
28 0.063284 0.064556 0.064159 0.068144 0.071289 0.072987
29 0.064556 0.064993 0.068361 0.070459 0.073817 0.078825
30 0.066044 0.069192 0.070676 0.073817 0.079041 0.086118
31 0.067312 0.071506 0.074863 0.079041 0.086333 0.092566
32 0.068796 0.074033 0.079869 0.086333 0.092780 0.102494
33 0.071940 0.079257 0.085722 0.092780 0.102707 0.113418
34 0.078609 0.085508 0.093604 0.102707 0.114234 0.127774
35 0.084863 0.094212 0.103314 0.114022 0.126959 0.140450
36 0.092961 0.101674 0.112993 0.125933 0.142072 0.154316
37 0.101034 0.112387 0.125722 0.141651 0.153297 0.169152
38 0.112355 0.126536 0.142462 0.154914 0.168943 0.186356
39 0.125689 0.142852 0.154495 0.169152 0.186356 0.207124
40 0.138974 0.155481 0.169122 0.185760 0.209140 0.231841
41 0.149787 0.169688 0.184510 0.206945 0.232845 0.261444
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.048480 0.056037 0.061052 0.063553
1 0.041678 0.041678 0.047637 0.053524 0.061886 0.063553 0.064386
2 0.041678 0.046793 0.053524 0.059383 0.064386 0.065218 0.064386
3 0.046793 0.053524 0.059383 0.061052 0.065218 0.065218 0.065218
4 0.054362 0.058547 0.061052 0.064386 0.066050 0.066050 0.066050
5 0.059383 0.061886 0.064386 0.063553 0.066881 0.066881 0.066050
6 0.061886 0.064386 0.063553 0.063553 0.063553 0.066881 0.068543
7 0.065218 0.063553 0.063553 0.063553 0.063553 0.069373 0.071033
8 0.064386 0.063553 0.063553 0.063553 0.066881 0.070204 0.075520
9 0.063553 0.063553 0.063553 0.066881 0.070204 0.075520 0.080091
10 0.063553 0.064386 0.066050 0.069373 0.075739 0.080091 0.082127
11 0.063553 0.065218 0.068669 0.074911 0.080091 0.082127 0.082733
12 0.065218 0.067713 0.074303 0.079484 0.082347 0.082733 0.082733
13 0.066881 0.072691 0.079484 0.082347 0.082733 0.082733 0.081303
14 0.072691 0.078219 0.081522 0.083776 0.082952 0.081522 0.083391
15 0.076566 0.081083 0.084600 0.082952 0.081522 0.082566 0.083609
16 0.079307 0.083431 0.082952 0.081522 0.081741 0.082785 0.081354
17 0.081782 0.081782 0.081741 0.081135 0.081960 0.079702 0.083440
18 0.077655 0.079433 0.080309 0.080528 0.079094 0.081790 0.083658
19 0.073519 0.076127 0.078050 0.077441 0.079313 0.080575 0.083486
20 0.070329 0.072817 0.075177 0.077051 0.078095 0.081010 0.082878
21 0.069499 0.071598 0.072646 0.075612 0.079357 0.081444 0.083529
22 0.068888 0.070157 0.073083 0.076223 0.079357 0.083529 0.085219
23 0.068497 0.069764 0.074567 0.077704 0.081878 0.084611 0.087947
24 0.069153 0.071467 0.076048 0.080225 0.083569 0.088163 0.094392
25 0.068975 0.072732 0.078572 0.082959 0.088163 0.094392 0.104706
26 0.071072 0.075259 0.082133 0.088378 0.094392 0.104920 0.114594
27 0.074430 0.079869 0.088378 0.094607 0.105134 0.114807 0.129547
28 0.079653 0.086118 0.093998 0.105134 0.115020 0.129759 0.143029
29 0.086118 0.092351 0.105347 0.115020 0.129971 0.143240 0.156678
30 0.092566 0.102280 0.115232 0.130183 0.143451 0.156888 0.174521
31 0.103314 0.113810 0.130394 0.143662 0.157098 0.174731 0.190906
32 0.114022 0.128979 0.143063 0.157518 0.173330 0.191115 0.206649
33 0.128377 0.142462 0.157728 0.172137 0.189717 0.206857 0.230156
34 0.141051 0.155513 0.172346 0.188320 0.206472 0.230571 0.258766
35 0.154106 0.170138 0.187934 0.206680 0.230985 0.259973 0.294774
36 0.168734 0.185731 0.207095 0.231191 0.260385 0.295976 0.333790
37 0.186147 0.205701 0.230807 0.261592 0.297970 0.335775 0.380709
38 0.206917 0.231221 0.263592 0.299171 0.338753 0.384255 0.426901
39 0.232225 0.264004 0.301163 0.342312 0.387016 0.430435 0.472600
40 0.263622 0.300783 0.344295 0.390560 0.433967 0.476123 0.519752
41 0.298821 0.347065 0.394103 0.436921 0.479068 0.522083 0.568605
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.063553 0.063553 0.063553 0.063553 0.063553 0.065218
1 0.064386 0.064386 0.064386 0.064386 0.065218 0.067713
2 0.065218 0.065218 0.064386 0.066050 0.068543 0.071862
3 0.065218 0.065218 0.066881 0.068543 0.072691 0.076127
4 0.066050 0.066881 0.069373 0.072817 0.077174 0.078481
5 0.067713 0.070204 0.073645 0.078000 0.078481 0.079307
6 0.070204 0.074473 0.078000 0.079307 0.080132 0.079307
7 0.075520 0.079046 0.080258 0.080957 0.080132 0.079307
8 0.079871 0.081083 0.081782 0.080957 0.079307 0.079433
9 0.081908 0.082607 0.081782 0.080258 0.080478 0.081303
10 0.082607 0.081782 0.081083 0.081303 0.082347 0.082566
11 0.081908 0.081908 0.082127 0.083171 0.083391 0.083609
12 0.081303 0.083171 0.083995 0.084215 0.083609 0.083222
13 0.083171 0.085039 0.085257 0.084652 0.084046 0.082833
14 0.084215 0.084433 0.085476 0.085089 0.083658 0.082226
15 0.083003 0.085694 0.085089 0.084700 0.083268 0.082878
16 0.084046 0.085307 0.085524 0.083268 0.083703 0.084571
17 0.085307 0.085742 0.084311 0.083920 0.085395 0.088949
18 0.085742 0.083486 0.084745 0.086437 0.089772 0.095178
19 0.083703 0.083312 0.087261 0.090812 0.095999 0.103851
20 0.083312 0.086653 0.088556 0.097036 0.104884 0.113529
21 0.085828 0.088556 0.096429 0.105703 0.114558 0.126859
22 0.087947 0.095607 0.104279 0.116404 0.127885 0.140950
23 0.095000 0.104493 0.114984 0.128910 0.141972 0.157030
24 0.104706 0.114168 0.129123 0.142184 0.158856 0.173858
25 0.114381 0.129335 0.142395 0.157452 0.175678 0.190037
26 0.129547 0.142607 0.156854 0.175888 0.191851 0.206376
27 0.142818 0.157065 0.175503 0.192060 0.208986 0.228083
28 0.157275 0.174907 0.190873 0.209403 0.230891 0.253315
29 0.175116 0.190280 0.207209 0.228913 0.256112 0.285387
30 0.190488 0.206025 0.229120 0.256526 0.287968 0.318712
31 0.206233 0.229535 0.256939 0.288380 0.322279 0.360777
32 0.229949 0.257145 0.291166 0.323478 0.364533 0.407042
33 0.257558 0.291578 0.325465 0.367299 0.410581 0.455721
34 0.292780 0.329029 0.370850 0.413540 0.456331 0.510296
35 0.331016 0.374602 0.416294 0.460841 0.510903 0.564124
36 0.377161 0.420035 0.464366 0.511511 0.564931 0.613133
37 0.423570 0.467314 0.509785 0.567862 0.608322 0.672837
38 0.470059 0.512522 0.565536 0.608322 0.655085 0.733200
39 0.516239 0.564124 0.610039 0.655888 0.701618 0.799043
40 0.567055 0.612932 0.654282 0.700046 0.763654 0.876079
41 0.615253 0.653510 0.699445 0.763684 0.843811 0.949326
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Standard Non-nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.056932 0.083069 0.101082 0.114321 0.123217 0.127382 0.140871
43 0.066056 0.090118 0.109206 0.126067 0.133872 0.140060 0.155933
44 0.074593 0.098086 0.120268 0.137992 0.145552 0.156143 0.171153
45 0.085656 0.109369 0.131518 0.150964 0.159923 0.172168 0.189748
46 0.100837 0.121525 0.143195 0.164978 0.181746 0.191771 0.212105
47 0.115609 0.132928 0.156617 0.180023 0.201622 0.214328 0.231398
48 0.119872 0.142842 0.168793 0.195376 0.220126 0.232787 0.254584
49 0.125357 0.153396 0.182706 0.212608 0.236312 0.254555 0.284040
50 0.129854 0.165329 0.198573 0.225512 0.255094 0.282805 0.319328
51 0.136271 0.179304 0.210191 0.241113 0.279552 0.316690 0.358452
52 0.141260 0.186792 0.224599 0.261751 0.308813 0.354011 0.404694
53 0.144931 0.197863 0.244923 0.289556 0.339501 0.392093 0.444016
54 0.149741 0.212545 0.270398 0.319806 0.376979 0.427716 0.470964
55 0.157934 0.231949 0.297312 0.357449 0.411900 0.449981 0.501957
56 0.169395 0.250602 0.331011 0.391982 0.432828 0.476310 0.526497
57 0.180373 0.277258 0.362131 0.413337 0.459759 0.495210 0.565488
58 0.214842 0.314543 0.388394 0.451166 0.490330 0.540453 0.617787
59 0.251479 0.338531 0.423555 0.481045 0.542331 0.593821 0.671906
60 0.280403 0.372860 0.451374 0.535192 0.592292 0.652289 0.724937
61 0.307564 0.399986 0.503728 0.586837 0.658805 0.707728 0.765957
62 0.333664 0.452384 0.552455 0.656050 0.720758 0.754214 0.787181
63 0.357825 0.480664 0.604447 0.706688 0.758828 0.784748 0.890686
64 0.381850 0.524694 0.648934 0.740767 0.773617 0.875566 0.954096
65 0.405770 0.560363 0.682662 0.748738 0.850320 0.954454 1.033680
66 0.427648 0.589484 0.686190 0.799501 0.912849 1.011061 1.180415
67 0.448793 0.591499 0.720455 0.843263 0.994871 1.174528 1.396506
68 0.479964 0.632269 0.774967 0.923150 1.076947 1.249113 1.467563
69 0.527413 0.691541 0.851545 1.005660 1.160785 1.332812 1.542326
70 0.574284 0.740984 0.921981 1.073819 1.234703 1.404871 1.613605
71 0.635828 0.808652 0.997004 1.152554 1.330577 1.492685 1.689657
72 0.706008 0.894352 1.082310 1.362520 1.527596 1.585493 1.899832
73 0.747399 1.065695 1.385727 1.522401 1.615262 1.865232 2.109517
74 0.818528 1.170437 1.516793 1.637550 1.845896 2.063245 2.260395
75 0.897907 1.281582 1.663626 1.838717 2.032226 2.211349 2.588913
76 0.983692 1.403734 1.834492 2.024691 2.247020 2.528407 3.261359
77 1.075373 1.549477 2.019736 2.242864 2.536555 3.156838 3.881618
78 1.183381 1.704218 2.233226 2.525524 3.224130 3.727303 4.186090
79 1.300949 1.880362 2.467216 3.031933 3.550369 4.023600 4.626434
80 1.435319 2.077809 2.716676 3.334200 3.876623 4.445166 5.144524
81 1.584423 2.288070 2.988998 3.636984 4.286581 4.947485 5.846342
82 1.742265 2.514503 3.262543 4.195683 4.908414 5.711457 6.478901
83 1.911031 3.044010 3.837756 4.798063 5.614840 6.335619 7.435373
84 2.456595 3.630857 4.458059 5.483002 6.346973 7.308161 8.461838
85 3.100834 4.279683 5.168256 6.255674 7.313198 8.271944 9.268180
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
42 0.162606 0.184657 0.202674 0.231221 0.260266 0.296858
43 0.177000 0.202020 0.227793 0.257880 0.293897 0.348088
44 0.194179 0.222350 0.250843 0.293692 0.339428 0.387693
45 0.215127 0.238249 0.275791 0.326612 0.378686 0.429344
46 0.232225 0.261060 0.304034 0.364143 0.420946 0.478961
47 0.254644 0.289557 0.337328 0.404132 0.472352 0.520995
48 0.284512 0.325824 0.377788 0.453774 0.517109 0.564280
49 0.320007 0.366122 0.424776 0.496621 0.563877 0.596200
50 0.359334 0.414514 0.472179 0.540709 0.586534 0.632539
51 0.406765 0.462731 0.511262 0.580820 0.625409 0.676567
52 0.453243 0.501835 0.549681 0.619877 0.665503 0.731901
53 0.487591 0.543270 0.591985 0.655607 0.728820 0.765903
54 0.523619 0.585214 0.644391 0.722601 0.763369 0.848068
55 0.558623 0.636292 0.716437 0.762345 0.840313 0.906118
56 0.602023 0.707989 0.764283 0.830650 0.896991 0.926250
57 0.665529 0.767786 0.820125 0.882545 0.906931 1.055271
58 0.710069 0.816204 0.872696 0.887993 1.031263 1.145105
59 0.761659 0.835389 0.877925 1.024413 1.103965 1.249699
60 0.791442 0.836387 0.927492 1.076127 1.204632 1.367268
61 0.802807 0.891551 0.969512 1.125359 1.335211 1.524102
62 0.884481 0.961547 1.093106 1.307457 1.490582 1.645089
63 0.956741 1.068491 1.242841 1.476675 1.609530 1.761646
64 1.053938 1.223792 1.441574 1.573388 1.721928 1.975261
65 1.202394 1.422345 1.532947 1.679677 1.931964 2.159990
66 1.401167 1.511440 1.633905 1.860328 2.111958 2.346688
67 1.487420 1.644997 1.808658 2.030445 2.264789 2.651745
68 1.662360 1.769486 1.966958 2.200511 2.658927 3.095483
69 1.745109 1.975879 2.120589 2.667044 3.057280 3.665187
70 1.825560 2.093077 2.384077 2.932975 3.457082 4.205974
71 1.919458 2.214185 2.557060 3.218034 4.063486 4.855183
72 2.143266 2.360296 2.731967 3.523115 4.824550 5.355492
73 2.307531 2.696172 3.203627 4.494854 5.146637 5.789943
74 2.645225 3.235353 4.314062 4.911897 5.608096 6.153440
75 3.273599 4.222059 4.711719 5.406950 6.014915 6.722368
76 4.084055 4.563958 5.188838 5.798117 6.567108 7.318042
77 4.413489 5.035048 5.621383 6.405290 7.285086 8.086267
78 4.822894 5.515005 6.218095 7.167530 8.010065 8.925914
79 5.354880 6.110823 6.975812 7.875376 8.880451 9.424905
80 5.997080 6.863020 7.729784 8.822305 9.395289 10.264099
81 6.716757 7.696597 8.657206 9.300906 10.208580 11.086036
82 7.514559 8.632975 9.224196 10.245908 11.027362 11.972823
83 8.550357 9.175728 10.190204 11.011219 12.039819 13.057812
84 9.174736 10.196857 11.016805 12.051105 13.193387 14.319308
85 10.404881 11.239997 12.061385 13.330413 14.468749 16.099073
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Standard Non-nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.347679 0.397646 0.440452 0.482590 0.525191 0.569412 0.618378
43 0.398258 0.444763 0.486888 0.527724 0.570017 0.618378 0.653340
44 0.439671 0.490408 0.530459 0.572343 0.618409 0.652969 0.698534
45 0.490238 0.533192 0.574668 0.618208 0.653371 0.698164 0.748753
46 0.526808 0.577597 0.618239 0.652999 0.697793 0.748382 0.787835
47 0.573754 0.615547 0.655718 0.697422 0.744163 0.783051 0.853783
48 0.604715 0.649539 0.697052 0.746472 0.785755 0.844800 0.935568
49 0.638923 0.691284 0.745702 0.789427 0.848292 0.935225 1.045284
50 0.680654 0.738973 0.792131 0.851958 0.934287 1.034418 1.151854
51 0.732756 0.776779 0.859459 0.933350 1.024338 1.140269 1.222847
52 0.763623 0.843542 0.931645 1.013491 1.129443 1.222130 1.339209
53 0.847155 0.907725 1.002047 1.117285 1.221413 1.338687 1.487775
54 0.907527 0.975891 1.105122 1.220892 1.337382 1.486687 1.623660
55 0.942997 1.085494 1.219412 1.336099 1.486163 1.606273 1.758089
56 1.070571 1.198121 1.341661 1.484879 1.605378 1.756436 1.900608
57 1.166587 1.325358 1.468034 1.603334 1.754569 1.898953 2.096436
58 1.294573 1.441291 1.601855 1.734162 1.896910 2.093056 2.362929
59 1.401075 1.573255 1.713945 1.893529 2.090836 2.360499 2.620674
60 1.560537 1.701675 1.881093 2.088228 2.333102 2.590020 2.878480
61 1.666721 1.866543 2.085041 2.304159 2.588759 2.872191 3.225395
62 1.804077 2.067262 2.289654 2.587305 2.869189 3.222769 3.703093
63 2.018944 2.280638 2.554384 2.865994 3.219950 3.716952 4.200586
64 2.204941 2.529651 2.862235 3.217324 3.733496 4.220603 4.751292
65 2.422227 2.833686 3.229664 3.750043 4.242928 4.778272 5.252354
66 2.748972 3.215477 3.766590 4.264676 4.804491 5.297086 5.722862
67 3.137160 3.750465 4.286042 4.828028 5.342602 5.776037 6.260435
68 3.707912 4.305305 4.854255 5.384108 5.825201 6.313867 6.790648
69 4.260327 4.877798 5.433496 5.874965 6.368294 6.854004 7.395464
70 4.869558 5.475805 5.922254 6.417940 6.907755 7.455895 8.054700
71 5.422544 5.971108 6.472045 6.970030 7.521019 8.125264 8.761695
72 5.912803 6.525409 7.021157 7.587541 8.194512 8.845960 9.510081
73 6.288068 7.015293 7.572399 8.166680 8.878426 9.540753 10.200134
74 6.873375 7.502495 8.169791 8.925333 9.558068 10.219411 10.750472
75 7.417506 8.176412 8.964766 9.570815 10.238106 10.854151 11.596028
76 8.161741 8.970474 9.578987 10.245354 10.866493 11.716376 12.454471
77 8.948779 9.569422 10.250804 10.968675 11.775292 12.576385 13.405401
78 9.539348 10.245186 10.977392 11.785836 12.585797 13.526692 14.927528
79 10.295013 11.073412 11.879016 12.701127 13.643996 15.089000 16.214943
80 11.025659 11.934583 12.815404 13.769603 15.252042 16.391510 17.671377
81 11.937855 12.933346 13.883559 15.417303 16.570593 17.866071
82 12.982022 14.027245 15.584795 16.752209 18.064283
83 14.172212 15.754744 16.936158 18.264277
84 15.926096 17.121803 18.465848
85 17.309811 18.670995
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 0.653710 0.699075 0.757359 0.836735 0.898139 1.016729
43 0.698704 0.753142 0.828691 0.889342 0.971967 1.103950
44 0.749693 0.813164 0.880741 0.954795 1.055251 1.213758
45 0.796660 0.881166 0.945441 1.045153 1.161194 1.352510
46 0.863160 0.936083 1.045180 1.161810 1.270375 1.498317
47 0.935741 1.045601 1.162623 1.235409 1.380602 1.645105
48 1.045429 1.173908 1.223273 1.367922 1.517519 1.798706
49 1.163263 1.223320 1.353893 1.517952 1.641833 1.971132
50 1.222605 1.340446 1.518190 1.641680 1.796907 2.167492
51 1.339730 1.503246 1.633379 1.797140 1.954322 2.380652
52 1.488298 1.625466 1.778608 1.935645 2.145982 2.587785
53 1.624379 1.759704 1.916208 2.125234 2.369785 2.852431
54 1.759179 1.915117 2.103726 2.391565 2.657339 3.143097
55 1.913075 2.101296 2.389102 2.655632 2.896497 3.479219
56 2.098866 2.389731 2.652976 2.893084 3.201207 3.853581
57 2.388057 2.649756 2.890427 3.198548 3.643030 4.215248
58 2.647100 2.887013 3.227564 3.657265 4.096496 4.638450
59 2.882844 3.226453 3.666322 4.116892 4.592622 5.067688
60 3.227456 3.680369 4.137283 4.637335 5.031618 5.521266
61 3.694416 4.158444 4.682638 5.077616 5.481898 5.976949
62 4.179421 4.705200 5.121517 5.532469 5.989443 6.484695
63 4.728722 5.164666 5.579028 6.041606 6.491154 7.047672
64 5.208599 5.626375 6.097809 6.553021 7.056727 7.677162
65 5.678737 6.149808 6.613720 7.128011 7.682890 8.360142
66 6.202412 6.672144 7.199342 7.761012 8.354102 9.076012
67 6.732534 7.265063 7.831550 8.436830 9.089711 9.795609
68 7.327338 7.909204 8.515870 9.167050 9.816431 10.480059
69 7.976532 8.600702 9.253387 9.890703 10.503950 11.142412
70 8.673570 9.331655 9.993276 10.597912 11.188697 11.986285
71 9.419537 10.080929 10.695799 11.269614 12.067937 12.933713
72 10.173869 10.801452 11.369866 12.168007 13.053170 13.997273
73 10.739764 11.459809 12.197684 12.895279 14.147623 15.196532
74 11.551715 12.320060 13.020627 14.300325 15.360626 16.550579
75 12.439746 13.146978 14.454343 15.527157 16.731939
76 13.275165 14.609893 15.695928 16.914979
77 14.767618 15.867162 17.100577
78 16.039807 17.288538
79 17.479089
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.076809 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.049321
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.050163 0.057711
12 0.041678 0.041678 0.041678 0.041678 0.053003 0.058547 0.063553
13 0.041678 0.041678 0.041678 0.055912 0.060854 0.064386 0.066050
14 0.041678 0.041678 0.058888 0.064064 0.068656 0.066050 0.067713
15 0.041678 0.061934 0.066404 0.071264 0.070385 0.067713 0.066050
16 0.065046 0.069714 0.074800 0.073058 0.072112 0.066881 0.064386
17 0.073091 0.078403 0.075730 0.074849 0.070385 0.065218 0.064386
18 0.110902 0.105972 0.104033 0.099164 0.092498 0.087846 0.086156
19 0.107801 0.105037 0.099291 0.095984 0.090960 0.084029 0.083504
20 0.105094 0.095431 0.094355 0.091911 0.088216 0.081697 0.081489
21 0.095752 0.088990 0.088122 0.086233 0.084603 0.080850 0.081809
22 0.087447 0.082233 0.081318 0.082495 0.083733 0.081489 0.082127
23 0.080596 0.076904 0.078465 0.081951 0.084739 0.081809 0.082976
24 0.072329 0.072894 0.076151 0.082653 0.085407 0.082976 0.082976
25 0.066787 0.068872 0.075227 0.081405 0.082660 0.081809 0.083613
26 0.059820 0.066183 0.073932 0.077303 0.079034 0.078940 0.083081
27 0.054210 0.063488 0.068098 0.071936 0.074522 0.076382 0.082864
28 0.057019 0.064836 0.069399 0.073191 0.074522 0.077870 0.085515
29 0.057019 0.064836 0.069399 0.073543 0.076068 0.080209 0.085830
30 0.057019 0.064836 0.069670 0.076051 0.078490 0.081695 0.087313
31 0.057019 0.063488 0.070039 0.076402 0.080033 0.082864 0.086775
32 0.055616 0.063488 0.071706 0.076752 0.080033 0.083496 0.087404
33 0.057019 0.067820 0.076330 0.082453 0.084655 0.087943 0.092696
34 0.058420 0.070891 0.080940 0.087239 0.089597 0.093233 0.099766
35 0.058420 0.073002 0.084250 0.092014 0.095401 0.099140 0.108292
36 0.058420 0.074724 0.088839 0.096776 0.100319 0.106820 0.113633
37 0.058420 0.078162 0.093778 0.103453 0.110670 0.114481 0.129362
38 0.061496 0.081212 0.097063 0.108532 0.117403 0.129362 0.140738
39 0.062891 0.084636 0.103260 0.116406 0.127696 0.138128 0.155531
40 0.066079 0.090707 0.111425 0.129176 0.139147 0.148639 0.169748
41 0.071046 0.100150 0.124638 0.142565 0.153572 0.167762 0.184231
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.045949
5 0.041678 0.041678 0.041678 0.041678 0.046793 0.054362
6 0.041678 0.041678 0.041678 0.046793 0.055200 0.059383
7 0.041678 0.041678 0.046793 0.055200 0.059383 0.061886
8 0.041678 0.047637 0.056037 0.060217 0.061886 0.065218
9 0.048480 0.056037 0.060217 0.062720 0.065218 0.064386
10 0.056875 0.061052 0.062720 0.065218 0.064386 0.063553
11 0.062720 0.063553 0.065218 0.065218 0.063553 0.063553
12 0.065218 0.066881 0.065218 0.063553 0.063553 0.063553
13 0.066881 0.065218 0.063553 0.063553 0.062720 0.065218
14 0.066050 0.063553 0.063553 0.062720 0.065218 0.066881
15 0.064386 0.063553 0.062720 0.065218 0.066881 0.071862
16 0.064386 0.063553 0.065218 0.066050 0.071862 0.076127
17 0.063553 0.065218 0.065218 0.071033 0.076001 0.078481
18 0.088805 0.089760 0.097372 0.103491 0.102857 0.103699
19 0.089442 0.097372 0.099694 0.100537 0.099902 0.099377
20 0.088595 0.096210 0.097055 0.096737 0.096737 0.097372
21 0.087430 0.090924 0.091770 0.093251 0.093568 0.095365
22 0.086475 0.089442 0.089760 0.091241 0.093039 0.092507
23 0.084143 0.084780 0.087747 0.087215 0.091343 0.092823
24 0.083613 0.085415 0.086049 0.089014 0.089330 0.094618
25 0.085415 0.086049 0.087847 0.089645 0.094618 0.095561
26 0.086049 0.087847 0.088163 0.091125 0.092919 0.095338
27 0.088163 0.087313 0.089960 0.090903 0.095338 0.099766
28 0.088478 0.090275 0.089737 0.095338 0.099766 0.102176
29 0.090275 0.090903 0.095651 0.098604 0.103338 0.110384
30 0.092382 0.096815 0.098916 0.103338 0.110695 0.120658
31 0.094174 0.100078 0.104811 0.110695 0.120967 0.129750
32 0.096276 0.103649 0.111854 0.120967 0.130058 0.143732
33 0.100702 0.111005 0.120120 0.130058 0.144039 0.159126
34 0.110074 0.119811 0.131212 0.144039 0.160274 0.179355
35 0.118883 0.132057 0.144883 0.159968 0.178211 0.197234
36 0.130288 0.142581 0.158515 0.176763 0.199515 0.216808
37 0.141660 0.157674 0.176459 0.198909 0.215368 0.237763
38 0.157597 0.177603 0.200049 0.217642 0.237462 0.262057
39 0.176384 0.200581 0.217038 0.237763 0.262057 0.291398
40 0.195110 0.218405 0.237693 0.261226 0.294252 0.326345
41 0.210371 0.238455 0.259427 0.291166 0.327768 0.368212
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.048480 0.074668 0.081697 0.086156
1 0.041678 0.041678 0.047637 0.053524 0.082864 0.086156 0.088277
2 0.041678 0.046793 0.053524 0.059383 0.087321 0.089442 0.088912
3 0.046793 0.053524 0.059383 0.061052 0.089760 0.090394 0.089760
4 0.054362 0.058547 0.061052 0.064386 0.091558 0.091241 0.090606
5 0.059383 0.061886 0.064386 0.063553 0.092405 0.092088 0.090606
6 0.061886 0.064386 0.063553 0.063553 0.087430 0.092088 0.094413
7 0.065218 0.063553 0.063553 0.063553 0.087430 0.095893 0.098850
8 0.064386 0.063553 0.063553 0.063553 0.092405 0.098005 0.105598
9 0.063553 0.063553 0.063553 0.066881 0.098005 0.105598 0.112018
10 0.063553 0.064386 0.066050 0.069373 0.105914 0.112018 0.114855
11 0.063553 0.065218 0.068669 0.074911 0.112018 0.114855 0.115695
12 0.065218 0.067713 0.074303 0.079484 0.115170 0.115695 0.115695
13 0.066881 0.072691 0.079484 0.082347 0.115695 0.115695 0.113699
14 0.072691 0.078219 0.081522 0.083776 0.116010 0.114014 0.116641
15 0.076566 0.081083 0.084600 0.082952 0.114014 0.115486 0.116955
16 0.079307 0.083431 0.082952 0.081522 0.114330 0.115800 0.113803
17 0.081782 0.081782 0.081741 0.081135 0.114644 0.111489 0.116743
18 0.108441 0.111071 0.112332 0.112647 0.110647 0.114431 0.117056
19 0.102647 0.106441 0.109175 0.108331 0.110960 0.112744 0.116840
20 0.098321 0.101803 0.105167 0.107800 0.109272 0.113370 0.115996
21 0.097159 0.100114 0.101590 0.105794 0.111056 0.113995 0.116933
22 0.096313 0.098106 0.102219 0.106640 0.111056 0.116933 0.119334
23 0.095781 0.097572 0.104320 0.108739 0.114619 0.118488 0.123196
24 0.096724 0.099990 0.106420 0.112305 0.117022 0.123506 0.132286
25 0.096502 0.101777 0.109988 0.116175 0.123506 0.132286 0.146797
26 0.099453 0.105349 0.115018 0.123816 0.132286 0.147104 0.160732
27 0.104188 0.111854 0.123816 0.132594 0.147412 0.161038 0.181794
28 0.111544 0.120658 0.131749 0.147412 0.161344 0.182099 0.200809
29 0.120658 0.129442 0.147719 0.161344 0.182404 0.201113 0.220074
30 0.129750 0.143426 0.161650 0.182709 0.201417 0.220376 0.245255
31 0.144883 0.159662 0.183013 0.201720 0.220679 0.245556 0.268403
32 0.159968 0.181032 0.200885 0.221284 0.243592 0.268704 0.290665
33 0.180193 0.200049 0.221586 0.241928 0.266743 0.290965 0.323897
34 0.198072 0.218478 0.242229 0.264782 0.290434 0.324494 0.364356
35 0.216506 0.239129 0.264252 0.290733 0.325089 0.366070 0.415277
36 0.237161 0.261158 0.291331 0.325387 0.366664 0.416986 0.470488
37 0.261758 0.289374 0.324857 0.368378 0.419812 0.473306 0.536932
38 0.291100 0.325453 0.371213 0.421519 0.477530 0.541960 0.602431
39 0.326876 0.371806 0.424344 0.482572 0.545876 0.607445 0.667312
40 0.371279 0.423819 0.485387 0.550902 0.612458 0.672314 0.734316
41 0.421060 0.489315 0.555926 0.616657 0.676503 0.737622 0.803718
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.087112 0.087747 0.087112 0.086794 0.086794 0.089442
1 0.088912 0.088595 0.088277 0.087959 0.089442 0.093568
2 0.089760 0.089442 0.087959 0.090606 0.095048 0.100327
3 0.089442 0.089442 0.091770 0.095048 0.101487 0.106441
4 0.090606 0.092088 0.096210 0.101803 0.107915 0.109598
5 0.093251 0.097689 0.102963 0.109073 0.109598 0.110439
6 0.097689 0.104123 0.109073 0.110755 0.111595 0.110439
7 0.105598 0.110545 0.112227 0.112751 0.111595 0.110755
8 0.111702 0.113383 0.114223 0.112751 0.110755 0.111071
9 0.114539 0.115379 0.114223 0.112227 0.112543 0.113699
10 0.115379 0.114223 0.113383 0.113699 0.115170 0.115486
11 0.114539 0.114539 0.114855 0.116326 0.116641 0.116955
12 0.113699 0.116326 0.117481 0.117796 0.116955 0.116429
13 0.116326 0.118951 0.119266 0.118425 0.117584 0.115900
14 0.117796 0.118111 0.119580 0.119053 0.117056 0.115058
15 0.116115 0.119895 0.119053 0.118525 0.116527 0.115996
16 0.117584 0.119367 0.119680 0.116527 0.117152 0.118400
17 0.119367 0.119993 0.117996 0.117465 0.119556 0.124576
18 0.119993 0.116840 0.118621 0.121023 0.125731 0.133356
19 0.117152 0.116621 0.122178 0.127195 0.134508 0.145566
20 0.116621 0.121334 0.124042 0.135969 0.147023 0.159199
21 0.120179 0.124042 0.135126 0.148172 0.160652 0.177982
22 0.123196 0.133974 0.146182 0.163251 0.179430 0.197845
23 0.133130 0.146489 0.161265 0.180878 0.199288 0.220528
24 0.146797 0.160119 0.181184 0.199593 0.223103 0.244276
25 0.160426 0.181489 0.199897 0.221134 0.246843 0.267127
26 0.181794 0.200201 0.220301 0.247144 0.269688 0.290223
27 0.200505 0.220604 0.246615 0.269989 0.293905 0.320912
28 0.220907 0.245785 0.268331 0.294505 0.324883 0.356601
29 0.246087 0.267502 0.291422 0.322107 0.360560 0.401959
30 0.267802 0.289767 0.322406 0.361155 0.405609 0.449116
31 0.290067 0.323002 0.361749 0.406202 0.454166 0.508670
32 0.323599 0.362047 0.410147 0.455872 0.513999 0.574250
33 0.362641 0.410740 0.458692 0.517921 0.579270 0.643327
34 0.412449 0.463739 0.522953 0.583474 0.644206 0.720831
35 0.466557 0.528279 0.587384 0.650610 0.721707 0.797344
36 0.531904 0.592695 0.655615 0.722582 0.798507 0.867052
37 0.597710 0.659807 0.720148 0.802680 0.860231 0.952008
38 0.663706 0.724040 0.799380 0.860231 0.926774 1.037985
39 0.729324 0.797344 0.862657 0.927932 0.993059 1.131845
40 0.801517 0.866762 0.925616 0.990807 1.081448 1.241743
41 0.870058 0.924519 0.989940 1.081505 1.195729 1.346337
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P1931, P1932
Unisex Preferred Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.075994 0.113487 0.139050 0.158341 0.171808 0.178820 0.197840
43 0.089158 0.123199 0.150322 0.174716 0.186763 0.196700 0.219082
44 0.101249 0.134172 0.165659 0.191357 0.203161 0.219383 0.240563
45 0.116353 0.149717 0.181275 0.209471 0.223336 0.241999 0.266813
46 0.137091 0.166468 0.197512 0.229049 0.253937 0.269674 0.298396
47 0.157277 0.182211 0.216161 0.250081 0.281863 0.301545 0.325685
48 0.163171 0.195890 0.233043 0.271490 0.307835 0.327635 0.358452
49 0.170747 0.210440 0.252332 0.295537 0.330581 0.358385 0.400087
50 0.176978 0.226920 0.274346 0.313571 0.356956 0.398308 0.450004
51 0.185824 0.246224 0.290505 0.335342 0.391306 0.446226 0.505404
52 0.192756 0.256621 0.310499 0.364144 0.432422 0.499050 0.570926
53 0.197814 0.271894 0.338729 0.403014 0.475649 0.553052 0.626744
54 0.204379 0.292145 0.374118 0.445361 0.528464 0.603605 0.665067
55 0.215595 0.318924 0.411562 0.498068 0.577718 0.635264 0.709138
56 0.231253 0.344696 0.458460 0.546455 0.607295 0.672694 0.744091
57 0.246290 0.381526 0.501782 0.576442 0.645348 0.699616 0.799516
58 0.293494 0.433114 0.538502 0.629618 0.688606 0.763869 0.873893
59 0.343729 0.466381 0.587640 0.671700 0.762060 0.839761 0.950918
60 0.383443 0.514005 0.626598 0.747771 0.832770 0.922967 1.026444
61 0.420787 0.551695 0.699690 0.820504 0.926939 1.001934 1.084933
62 0.456706 0.624320 0.767912 0.918002 1.014751 1.068219 1.115302
63 0.489983 0.663732 0.840696 0.989333 1.068695 1.111759 1.262876
64 0.523264 0.725035 0.903055 1.037400 1.089734 1.241232 1.353413
65 0.556416 0.774788 0.950409 1.048774 1.198519 1.353813 1.467121
66 0.586798 0.815482 0.955570 1.120471 1.287295 1.434698 1.676937
67 0.616190 0.818557 1.003824 1.182332 1.403823 1.668446 1.986552
68 0.659561 0.875684 1.080571 1.295410 1.520759 1.775381 2.088612
69 0.725530 0.958612 1.188376 1.412341 1.640300 1.895483 2.196043
70 0.790579 1.027407 1.287478 1.508662 1.745503 1.998759 2.298534
71 0.876059 1.122003 1.393034 1.620117 1.882316 2.124896 2.408049
72 0.973705 1.242061 1.513199 1.917871 2.163641 2.258366 2.710720
73 1.031491 1.482065 1.941151 2.145185 2.289182 2.660844 3.013398
74 1.130628 1.629223 2.126684 2.309265 2.619546 2.946538 3.231556
75 1.241292 1.785525 2.334963 2.596196 2.887068 3.160623 3.707084
76 1.361043 1.957595 2.577752 2.862053 3.195997 3.619326 4.684052
77 1.489178 2.163329 2.841439 3.174546 3.613238 4.531815 5.589950
78 1.640393 2.382084 3.145899 3.580051 4.607481 5.364171 6.036139
79 1.805302 2.631493 3.480181 4.308666 5.081297 5.797852 6.683292
80 1.994038 2.911558 3.837314 4.745174 5.556279 6.416620 7.447433
81 2.203775 3.210379 4.228015 5.183404 6.154793 7.156482 8.487475
82 2.426175 3.532757 4.621222 5.994663 7.066338 8.287331 9.429152
83 2.664295 4.287992 5.450366 6.873487 8.107105 9.215603 ########
84 3.435067 5.129052 6.349025 7.877724 9.191109 ######## ########
85 4.350723 6.064035 7.383507 9.016689 ######## ######## ########
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
42 0.228473 0.259586 0.285092 0.325453 0.366562 0.418299
43 0.248798 0.284125 0.320589 0.363197 0.414125 0.490788
44 0.273064 0.312876 0.353206 0.413830 0.478546 0.546891
45 0.302673 0.335405 0.388505 0.460430 0.534161 0.605950
46 0.326876 0.367684 0.428479 0.513578 0.594065 0.676403
47 0.358584 0.408009 0.475628 0.570274 0.667046 0.736125
48 0.400813 0.459315 0.532948 0.640691 0.730613 0.797654
49 0.451023 0.516389 0.599562 0.701521 0.797073 0.843055
50 0.506716 0.584975 0.666818 0.764149 0.829340 0.894767
51 0.573929 0.653370 0.722313 0.821171 0.884650 0.957448
52 0.639850 0.708891 0.776906 0.876725 0.941684 1.036259
53 0.688673 0.767806 0.837097 0.927591 1.031877 1.084825
54 0.739907 0.827488 0.911644 1.022997 1.081199 1.202011
55 0.789725 0.900143 1.014230 1.079708 1.190919 1.284930
56 0.851450 1.002231 1.082472 1.177117 1.271853 1.313876
57 0.941850 1.087481 1.162145 1.251223 1.286230 1.498271
58 1.005277 1.156516 1.237148 1.259142 1.463808 1.626806
59 1.078776 1.183942 1.244736 1.453939 1.567832 1.776601
60 1.121270 1.185497 1.315585 1.527970 1.711952 1.945148
61 1.137579 1.264279 1.375690 1.598525 1.899065 2.170188
62 1.254100 1.364253 1.552327 1.859229 2.121955 2.344068
63 1.357271 1.517062 1.766585 2.101900 2.292864 2.511784
64 1.496154 1.739227 2.051408 2.240837 2.454541 2.819493
65 1.708494 2.023741 2.182616 2.393657 2.756989 3.086091
66 1.993271 2.151653 2.327706 2.653664 3.016660 3.355994
67 2.117080 2.343558 2.579118 2.898918 3.237511 3.797881
68 2.368495 2.522752 2.807357 3.144666 3.808291 4.442530
69 2.487640 2.820173 3.029204 3.820057 4.386974 5.273317
70 2.603571 2.989423 3.410215 4.206230 4.969431 6.065276
71 2.739033 3.164560 3.660926 4.621002 5.856275 7.020369
72 3.062122 3.376189 3.914750 5.065892 6.975233 7.759530
73 3.299754 3.862745 4.600237 6.489622 7.450422 8.403408
74 3.788800 4.646294 6.223982 7.103818 8.133462 8.943489
75 4.701930 6.088972 6.808835 7.835455 8.737321 9.792024
76 5.886533 6.591327 7.512920 8.415185 9.560068 10.683297
77 6.370046 7.285691 8.153191 9.318627 10.634156 11.838512
78 6.972565 7.995587 9.039941 10.458169 11.723805 13.108475
79 7.758313 8.880270 10.171095 11.521168 13.039768 13.866784
80 8.711106 10.002316 11.302461 12.952032 13.821677 15.149218
81 9.784011 11.252652 12.702378 13.678190 15.064121 16.413121
82 10.979042 12.665739 13.561841 15.121511 16.322789 17.786383
83 12.541447 13.488307 15.036384 16.297932 17.890412 19.477915
84 13.486580 15.046417 16.306479 17.907798 19.690395 21.463006
85 15.365481 16.650930 17.923635 19.905379 21.699535 24.298429
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Preferred Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.490198 0.560949 0.621668 0.681504 0.742031 0.804881 0.874514
43 0.561831 0.627784 0.687607 0.745628 0.805753 0.874514 0.924289
44 0.620562 0.692606 0.749517 0.809054 0.874575 0.923771 0.988674
45 0.692378 0.753404 0.812354 0.874285 0.924350 0.988155 1.060295
46 0.744361 0.816526 0.874346 0.923831 0.987635 1.059775 1.116050
47 0.811088 0.870531 0.927702 0.987116 1.053779 1.109250 1.210131
48 0.855147 0.918922 0.986598 1.057065 1.113109 1.197351 1.326905
49 0.903841 0.978403 1.055969 1.118347 1.202349 1.326435 1.483670
50 0.963279 1.046399 1.122204 1.207582 1.325108 1.468162 1.636189
51 1.037524 1.100367 1.218280 1.323781 1.453793 1.619649 1.737973
52 1.081595 1.195606 1.321362 1.438331 1.604196 1.736971 1.904794
53 1.200735 1.287265 1.422011 1.586844 1.735969 1.904071 2.118035
54 1.286980 1.384712 1.569490 1.735249 1.902216 2.116500 2.313284
55 1.337808 1.541467 1.733157 1.900404 2.115770 2.288341 2.506688
56 1.520132 1.702729 1.908393 2.113951 2.287082 2.504332 2.711990
57 1.657589 1.885076 2.089823 2.284169 2.501661 2.709628 2.994443
58 1.841018 2.051499 2.282065 2.472344 2.706704 2.989577 3.379475
59 1.993785 2.241028 2.443311 2.701846 2.986393 3.375966 3.752762
60 2.222668 2.425702 2.683970 2.982649 3.336358 3.708333 4.126946
61 2.375339 2.663041 2.978063 3.294519 3.706518 4.117807 4.631641
62 2.572985 2.952427 3.273576 3.704421 4.113449 4.627816 5.328741
63 2.882582 3.260569 3.656724 4.108810 4.623712 5.349006 6.057404
64 3.151089 3.620916 4.103353 4.619889 5.373200 6.086780 6.867178
65 3.465323 4.061899 4.637862 5.397397 6.119535 6.906915 7.606730
66 3.938891 4.617200 5.421599 6.151453 6.945538 7.672920 8.303751
67 4.503177 5.398003 6.182818 6.980235 7.740298 8.382672 9.102966
68 5.335775 6.211106 7.018881 7.801798 8.455711 9.182640 9.893944
69 6.145041 7.053604 7.874921 8.529676 9.263829 9.988705 10.799419
70 7.041488 7.937661 8.600021 9.337989 10.069275 10.890296 11.790706
71 7.858722 8.672713 9.418785 10.162529 10.988215 11.897232 12.859098
72 8.585981 9.498524 10.239301 11.088272 12.001841 12.986924 13.996581
73 9.144064 10.230483 11.065387 11.959681 13.036202 14.043345 15.051222
74 10.017894 10.960164 11.964336 13.107391 14.069745 15.080812 15.896276
75 10.832482 11.974256 13.167286 14.089194 15.109536 16.055819 17.201347
76 11.952192 13.175916 14.101671 15.120690 16.074874 17.387803 18.534943
77 13.143073 14.087078 15.129092 16.232242 17.479152 18.725094 20.022646
78 14.041200 15.120477 16.245721 17.495459 18.739748 20.213181 22.427352
79 15.196656 16.393694 17.640132 18.919832 20.397637 22.684180 24.484464
80 16.319981 17.726414 19.098468 20.595350 22.943846 24.768294 26.838230
81 17.731861 19.283014 20.774936 23.207397 25.056594 27.155074
82 19.359307 21.001560 23.474870 25.349410 27.478183
83 21.230468 23.746640 25.646442 27.804755
84 24.021037 25.946676 28.134468
85 26.251208 28.470619
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 0.924808 0.989422 1.072515 1.185659 1.273297 1.442672
43 0.988903 1.066521 1.174206 1.260761 1.378761 1.567433
44 1.061621 1.152101 1.248510 1.354280 1.497832 1.724646
45 1.128607 1.249137 1.340945 1.483419 1.649456 1.923520
46 1.223482 1.327609 1.483470 1.650357 1.805878 2.132811
47 1.327140 1.484090 1.651543 1.755854 1.963992 2.343805
48 1.483855 1.667701 1.738511 1.945845 2.160600 2.564873
49 1.652491 1.738601 1.925759 2.161245 2.339297 2.813375
50 1.737601 1.906522 2.161607 2.339090 2.562444 3.096806
51 1.905517 2.140185 2.327183 2.562796 2.789275 3.405020
52 2.118763 2.315839 2.536146 2.762387 3.065868 3.705042
53 2.314298 2.508971 2.734411 3.035941 3.389355 4.089086
54 2.508234 2.732858 3.004928 3.420868 3.805913 4.511791
55 2.729934 3.001433 3.417304 3.803438 4.153125 5.001745
56 2.997938 3.418227 3.799586 4.148164 4.596407 5.548864
57 3.415813 3.794916 4.144304 4.592536 5.240933 6.078815
58 3.791064 4.139345 4.634798 5.261735 5.904740 6.700732
59 4.133285 4.633180 5.274977 5.934643 6.633501 7.333513
60 4.634642 5.295509 5.964549 6.699328 7.280475 8.004366
61 5.316045 5.995585 6.766041 7.348393 7.946357 8.680498
62 6.026352 6.799273 7.413263 8.021277 8.699469 9.436267
63 6.833924 7.477044 8.090313 8.777134 9.446413 10.277228
64 7.542005 8.160545 8.860744 9.538805 10.291266 11.221460
65 8.238202 8.938176 9.629429 10.398091 11.230426 12.251078
66 9.016546 9.716731 10.505042 11.348004 12.242016 13.336253
67 9.806998 10.603636 11.454227 12.367109 13.356821 14.487279
68 10.697145 11.571241 12.486692 13.474366 14.464270 15.480954
69 11.672778 12.615126 13.605669 14.577706 15.517268 16.500078
70 12.725524 13.724779 14.734561 15.661605 16.571538 17.806451
71 13.858607 14.868680 15.812084 16.696522 17.933330 19.283285
72 15.010973 15.974620 16.851461 18.088914 19.470279 20.954224
73 15.879761 16.990529 18.135069 19.223203 21.191571 22.855399
74 17.132766 18.325548 19.419346 21.432925 23.116971 25.024354
75 18.512032 19.617253 21.676657 23.382784 25.316707
76 19.818238 21.923118 23.652540 25.612218
77 22.173338 23.926619 25.912325
78 24.203344 26.216726
79 26.525818
80
81
82
83
84
85
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
0 0.076809 0.046227 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
5 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
6 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
7 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
8 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
9 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
10 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678 0.049321
11 0.041678 0.041678 0.041678 0.041678 0.041678 0.050163 0.057711
12 0.041678 0.041678 0.041678 0.041678 0.053003 0.058547 0.063553
13 0.041678 0.041678 0.041678 0.055912 0.060854 0.064386 0.066050
14 0.041678 0.041678 0.058888 0.064064 0.068656 0.066050 0.067713
15 0.041678 0.061934 0.066404 0.071264 0.070385 0.067713 0.066050
16 0.065046 0.069714 0.074800 0.073058 0.072112 0.066881 0.064386
17 0.073091 0.078403 0.075730 0.074849 0.070385 0.065218 0.064386
18 0.160930 0.156603 0.153982 0.147024 0.137393 0.130740 0.128218
19 0.159071 0.155218 0.146955 0.142314 0.135109 0.125058 0.124272
20 0.155076 0.141018 0.139655 0.136272 0.131035 0.121584 0.121270
21 0.141293 0.131505 0.130431 0.127852 0.125664 0.120321 0.121743
22 0.128265 0.121384 0.120356 0.122306 0.124369 0.121270 0.122215
23 0.116953 0.112934 0.115989 0.121496 0.125857 0.121743 0.123481
24 0.104146 0.106431 0.112706 0.122532 0.126846 0.123481 0.123481
25 0.095360 0.100484 0.111334 0.120679 0.122764 0.121743 0.124426
26 0.085075 0.096510 0.109415 0.114596 0.117374 0.117467 0.123629
27 0.076186 0.091374 0.100636 0.106638 0.110667 0.113651 0.123299
28 0.080940 0.093367 0.102014 0.108500 0.110667 0.115864 0.127246
29 0.080940 0.093944 0.102561 0.109018 0.112962 0.119349 0.127714
30 0.080940 0.094519 0.103106 0.112738 0.116562 0.121560 0.129919
31 0.081546 0.093099 0.103651 0.113256 0.118853 0.123299 0.129116
32 0.080076 0.093670 0.106117 0.113773 0.118853 0.124235 0.130048
33 0.082749 0.100212 0.112959 0.122227 0.125716 0.130853 0.137924
34 0.084817 0.104751 0.119781 0.129319 0.133051 0.138729 0.148447
35 0.085415 0.107865 0.124675 0.136395 0.141672 0.147520 0.161136
36 0.085415 0.110407 0.131467 0.143454 0.148973 0.158946 0.169079
37 0.086011 0.115485 0.138773 0.153346 0.164347 0.170345 0.192499
38 0.090733 0.119992 0.143633 0.160870 0.174341 0.192499 0.209435
39 0.092793 0.125047 0.152801 0.172542 0.189630 0.205548 0.231462
40 0.097496 0.134017 0.164882 0.191478 0.206641 0.221194 0.252627
41 0.104823 0.147967 0.184439 0.211329 0.228073 0.249668 0.274192
Issue Age 8 9 10 11 12 13
--------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
1 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
2 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
3 0.041678 0.041678 0.041678 0.041678 0.041678 0.041678
4 0.041678 0.041678 0.041678 0.041678 0.041678 0.045949
5 0.041678 0.041678 0.041678 0.041678 0.046793 0.054362
6 0.041678 0.041678 0.041678 0.046793 0.055200 0.059383
7 0.041678 0.041678 0.046793 0.055200 0.059383 0.061886
8 0.041678 0.047637 0.056037 0.060217 0.061886 0.065218
9 0.048480 0.056037 0.060217 0.062720 0.065218 0.064386
10 0.056875 0.061052 0.062720 0.065218 0.064386 0.063553
11 0.062720 0.063553 0.065218 0.065218 0.063553 0.063553
12 0.065218 0.066881 0.065218 0.063553 0.063553 0.063553
13 0.066881 0.065218 0.063553 0.063553 0.062720 0.065218
14 0.066050 0.063553 0.063553 0.062720 0.065218 0.066881
15 0.064386 0.063553 0.062720 0.065218 0.066881 0.071862
16 0.064386 0.063553 0.065218 0.066050 0.071862 0.076127
17 0.063553 0.065218 0.065218 0.071033 0.076001 0.078481
18 0.132162 0.133578 0.144911 0.153256 0.153083 0.154339
19 0.133107 0.144911 0.148370 0.149628 0.148686 0.147900
20 0.131843 0.143181 0.144441 0.143970 0.143970 0.144911
21 0.130107 0.135311 0.136574 0.138777 0.139248 0.141920
22 0.128692 0.133107 0.133578 0.135782 0.138456 0.137660
23 0.125219 0.126163 0.130578 0.129782 0.135927 0.138128
24 0.124426 0.127105 0.128046 0.132456 0.132924 0.140797
25 0.127105 0.128046 0.130720 0.133392 0.140797 0.142196
26 0.128046 0.130720 0.131188 0.135594 0.138263 0.141858
27 0.131188 0.129919 0.133859 0.135258 0.141858 0.148447
28 0.131656 0.134326 0.133522 0.141858 0.148447 0.152029
29 0.134326 0.135258 0.142322 0.146715 0.153759 0.164247
30 0.137459 0.144056 0.147178 0.153759 0.164707 0.179538
31 0.140124 0.148910 0.155951 0.164707 0.179996 0.193068
32 0.143250 0.154221 0.166433 0.179996 0.193524 0.213885
33 0.149836 0.165167 0.178731 0.193524 0.214340 0.236804
34 0.163786 0.178273 0.195244 0.214340 0.238514 0.266928
35 0.176897 0.196505 0.215599 0.238060 0.265224 0.293556
36 0.193873 0.212170 0.235897 0.263067 0.296954 0.322707
37 0.210804 0.234640 0.262616 0.296055 0.320563 0.353921
38 0.234536 0.264321 0.297754 0.323953 0.353475 0.390119
39 0.262512 0.298551 0.323057 0.353921 0.390119 0.433845
40 0.290404 0.325101 0.353825 0.388876 0.438095 0.485934
41 0.313131 0.354971 0.386205 0.433492 0.488054 0.548360
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- -------- -------- -------- -------- -------- -------- --------
0 0.041678 0.041678 0.041678 0.048480 0.109710 0.121584 0.128218
1 0.041678 0.041678 0.047637 0.053524 0.123322 0.128218 0.131371
2 0.041678 0.046793 0.053524 0.059383 0.129954 0.133107 0.132313
3 0.046793 0.053524 0.059383 0.061052 0.133578 0.134519 0.133578
4 0.054362 0.058547 0.061052 0.064386 0.136252 0.135782 0.134840
5 0.059383 0.061886 0.064386 0.063553 0.137516 0.137045 0.134840
6 0.061886 0.064386 0.063553 0.063553 0.130107 0.137045 0.140509
7 0.065218 0.063553 0.063553 0.063553 0.130107 0.142711 0.147111
8 0.064386 0.063553 0.063553 0.063553 0.137516 0.145850 0.155998
9 0.063553 0.063553 0.063553 0.066881 0.145850 0.155998 0.155597
10 0.063553 0.064386 0.066050 0.069373 0.156466 0.155597 0.155998
11 0.063553 0.065218 0.068669 0.074911 0.155597 0.155998 0.158203
12 0.065218 0.067713 0.074303 0.079484 0.156466 0.158203 0.162880
13 0.066881 0.072691 0.079484 0.082347 0.158203 0.162880 0.168026
14 0.072691 0.078219 0.081522 0.083776 0.163348 0.168494 0.173602
15 0.076566 0.081083 0.084600 0.082952 0.168494 0.171882 0.174069
16 0.079307 0.083431 0.082952 0.081522 0.170159 0.172349 0.169371
17 0.081782 0.081782 0.081741 0.081135 0.170626 0.165924 0.173746
18 0.161395 0.165311 0.167181 0.167648 0.164666 0.170302 0.174211
19 0.152765 0.158413 0.162475 0.161215 0.165131 0.167785 0.173882
20 0.146319 0.151506 0.156501 0.160420 0.162611 0.168713 0.172624
21 0.144589 0.148985 0.151181 0.157431 0.165264 0.169640 0.174013
22 0.143326 0.145992 0.152114 0.158694 0.165264 0.174013 0.177581
23 0.142529 0.145194 0.155239 0.161813 0.170565 0.176320 0.183325
24 0.143928 0.148787 0.158360 0.167117 0.174136 0.183785 0.196852
25 0.143591 0.151444 0.163665 0.172873 0.183785 0.196852 0.218461
26 0.147984 0.156756 0.171149 0.184244 0.196852 0.218917 0.239208
27 0.155027 0.166433 0.184244 0.197309 0.219372 0.239663 0.270576
28 0.165973 0.179538 0.196048 0.219372 0.240117 0.271029 0.298897
29 0.179538 0.192611 0.219828 0.240117 0.271481 0.299348 0.327591
30 0.193068 0.213430 0.240571 0.271933 0.299799 0.328040 0.365109
31 0.215599 0.237607 0.272386 0.300249 0.328489 0.365557 0.399599
32 0.238060 0.269432 0.299001 0.329386 0.362626 0.400045 0.432770
33 0.268180 0.297754 0.329835 0.360140 0.397121 0.433214 0.482306
34 0.294805 0.325200 0.360587 0.394193 0.432421 0.483191 0.542632
35 0.322259 0.355963 0.393399 0.432865 0.484076 0.545188 0.618596
36 0.353028 0.388784 0.433753 0.484518 0.546069 0.621144 0.700998
37 0.389674 0.430832 0.483725 0.548623 0.625358 0.705200 0.800211
38 0.433401 0.484609 0.552849 0.627904 0.711503 0.807718 0.898048
39 0.486728 0.553729 0.632116 0.719029 0.813566 0.905539 0.994991
40 0.552938 0.631327 0.723229 0.821072 0.913029 1.002467 1.095145
41 0.627204 0.729090 0.828575 0.919299 1.008726 1.100093 1.198975
Issue Age 21 22 23 24 25 Ultimate
--------- -------- -------- -------- -------- -------- --------
0 0.129636 0.130578 0.129636 0.129164 0.129164 0.133107
1 0.132313 0.131843 0.131371 0.130899 0.133107 0.139248
2 0.133578 0.133107 0.130899 0.134840 0.141450 0.149309
3 0.133107 0.133107 0.136574 0.141450 0.151037 0.154194
4 0.134840 0.137045 0.143181 0.151506 0.154662 0.155062
5 0.138777 0.145381 0.153234 0.154662 0.155062 0.157265
6 0.145381 0.154961 0.154662 0.155062 0.157265 0.161943
7 0.155998 0.155130 0.155530 0.157265 0.161943 0.164843
8 0.155130 0.155530 0.157734 0.161943 0.164843 0.165311
9 0.155530 0.157734 0.162412 0.167035 0.167503 0.169224
10 0.157734 0.162412 0.167558 0.169224 0.171414 0.171882
11 0.162880 0.167558 0.170947 0.173135 0.173602 0.174069
12 0.168026 0.173135 0.174857 0.175324 0.174069 0.173281
13 0.173135 0.177043 0.177510 0.176257 0.175002 0.172489
14 0.175324 0.175791 0.177976 0.177189 0.174211 0.171232
15 0.172815 0.178442 0.177189 0.176397 0.173418 0.172624
16 0.175002 0.177654 0.178119 0.173418 0.174346 0.176196
17 0.177654 0.178583 0.175604 0.174809 0.177919 0.185386
18 0.178583 0.173882 0.176531 0.180101 0.187106 0.198454
19 0.174346 0.173550 0.181823 0.189286 0.200171 0.216634
20 0.173550 0.180563 0.184587 0.202345 0.218804 0.236934
21 0.178842 0.184587 0.201087 0.220516 0.239097 0.264905
22 0.183325 0.199371 0.217548 0.242967 0.267062 0.294490
23 0.198112 0.218004 0.240007 0.269218 0.296641 0.328280
24 0.218461 0.238299 0.269671 0.297092 0.332117 0.363663
25 0.238754 0.270124 0.297544 0.329180 0.367488 0.397714
26 0.270576 0.297995 0.327936 0.367937 0.401530 0.432130
27 0.298446 0.328386 0.367144 0.401977 0.437619 0.477873
28 0.328835 0.365904 0.399500 0.438510 0.483792 0.531083
29 0.366351 0.398261 0.433911 0.479647 0.536986 0.598741
30 0.398707 0.431436 0.480091 0.537869 0.604187 0.669110
31 0.431881 0.480977 0.538753 0.605068 0.676647 0.758017
32 0.481863 0.539194 0.610954 0.679188 0.765972 0.855955
33 0.540077 0.611834 0.683394 0.771826 0.863453 0.959158
34 0.614381 0.690927 0.779339 0.869730 0.960464 1.075010
35 0.695131 0.787288 0.875570 0.970033 1.076311 1.189439
36 0.792702 0.883500 0.977512 1.077613 1.191170 1.293749
37 0.890993 0.983774 1.073964 1.197410 1.283522 1.420965
38 0.989600 1.079780 1.192467 1.283522 1.383146 1.549778
39 1.087680 1.189439 1.287166 1.384869 1.482406 1.690486
40 1.195680 1.293317 1.381423 1.479043 1.614871 1.855369
41 1.298254 1.379778 1.477753 1.614943 1.786286 2.012404
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates - Monthly per $1000
Forms P1258, P1259, P4931, P4932
Unisex Standard Nicotine
Duration
Issue Age 1 2 3 4 5 6 7
--------- -------- -------- -------- -------- -------- -------- --------
42 0.112120 0.167676 0.205772 0.234724 0.255170 0.266126 0.294455
43 0.131545 0.182020 0.222449 0.259005 0.277388 0.292755 0.326097
44 0.149385 0.198232 0.245149 0.283681 0.301754 0.326545 0.358101
45 0.171670 0.221198 0.268259 0.310544 0.331737 0.360237 0.397216
46 0.202272 0.245951 0.292286 0.339581 0.377238 0.401478 0.444286
47 0.232062 0.269210 0.319891 0.370777 0.418760 0.448978 0.484960
48 0.240748 0.289425 0.344894 0.402554 0.457396 0.487873 0.533825
49 0.251916 0.310933 0.373466 0.438250 0.491233 0.533733 0.595936
50 0.261094 0.335291 0.406077 0.465019 0.530486 0.593293 0.670428
51 0.274138 0.363826 0.430010 0.497351 0.581623 0.664807 0.753130
52 0.284348 0.379186 0.459640 0.540139 0.642857 0.743670 0.850986
53 0.291807 0.401773 0.501482 0.597882 0.707222 0.824295 0.934360
54 0.301503 0.431731 0.553949 0.660802 0.785897 0.899793 0.991594
55 0.318062 0.471350 0.609470 0.739149 0.859290 0.947065 1.057440
56 0.341188 0.509484 0.679035 0.811104 0.903354 1.002974 1.109656
57 0.363393 0.563998 0.743323 0.855689 0.960071 1.043176 1.192550
58 0.433125 0.640371 0.797780 0.934761 1.024541 1.139264 1.303845
59 0.507360 0.689621 0.870692 0.997330 1.134140 1.252789 1.419164
60 0.566067 0.760147 0.928491 1.110589 1.239658 1.377326 1.532302
61 0.621280 0.815965 1.037086 1.218880 1.380284 1.495576 1.619934
62 0.674397 0.923656 1.138437 1.364157 1.511489 1.594865 1.665378
63 0.723619 0.982046 1.246652 1.470541 1.592161 1.660119 1.886816
64 0.772797 1.072940 1.339393 1.542241 1.623580 1.854388 2.022755
65 0.821791 1.146709 1.409821 1.559133 1.786387 2.023466 2.193623
66 0.866684 1.207039 1.417386 1.666099 1.919335 2.144992 2.509416
67 0.910113 1.211478 1.489109 1.758419 2.093993 2.496725 2.976331
68 0.974202 1.296137 1.603259 1.927232 2.269192 2.657608 3.130259
69 1.071748 1.419166 1.763750 2.101903 2.448444 2.838417 3.292443
70 1.168039 1.521490 1.911466 2.246148 2.606604 2.994342 3.447278
71 1.294637 1.662095 2.068971 2.413127 2.812203 3.184613 3.612614
72 1.439309 1.840602 2.248408 2.859907 3.235915 3.386015 4.071082
73 1.524889 2.198171 2.889195 3.201520 3.424969 3.995498 4.529954
74 1.671904 2.417579 3.167442 3.448234 3.923913 4.428579 4.861120
75 1.836166 2.650901 3.480059 3.880581 4.328535 4.753350 5.585827
76 2.014037 2.907990 3.844958 4.281696 4.796661 5.452203 7.084367
77 2.204511 3.215619 4.241883 4.753966 5.430618 6.850637 8.484220
78 2.429447 3.543181 4.701009 5.368792 6.951602 8.134730 9.176172
79 2.674935 3.917225 5.206316 6.479067 7.679159 8.805787 ########
80 2.956208 4.337975 5.747388 7.146267 8.411505 9.768439 ########
81 3.269181 4.787734 6.340840 7.818581 9.338550 ######## ########
82 3.601494 5.274023 6.940030 9.070987 ######## ######## ########
83 3.957876 6.419583 8.211393 ######## ######## ######## ########
84 5.117179 7.703870 9.599095 ######## ######## ######## ########
85 6.502398 9.141334 ######## ######## ######## ######## ########
Issue Age 8 9 10 11 12 13
--------- --------- --------- --------- --------- --------- ---------
42 0.340094 0.386459 0.424451 0.484609 0.545894 0.623079
43 0.370375 0.423023 0.477364 0.540874 0.616846 0.731279
44 0.406533 0.465871 0.525986 0.616407 0.712996 0.815057
45 0.450660 0.499441 0.578627 0.685943 0.796030 0.903279
46 0.486728 0.547567 0.638259 0.765285 0.885509 1.008548
47 0.534004 0.607711 0.708617 0.849946 0.994548 1.097827
48 0.596997 0.684279 0.794192 0.955150 1.089578 1.189848
49 0.671926 0.769478 0.893692 1.046074 1.188984 1.257773
50 0.755061 0.871914 0.994198 1.139730 1.237229 1.335166
51 0.855441 0.974117 1.077163 1.225033 1.320002 1.429018
52 0.953941 1.057112 1.158808 1.308174 1.405417 1.547089
53 1.026881 1.145188 1.248834 1.384316 1.540517 1.619796
54 1.103451 1.234444 1.360427 1.527225 1.614371 1.795522
55 1.177920 1.343191 1.514078 1.612159 1.778906 1.919897
56 1.270267 1.496074 1.616301 1.758215 1.900309 1.963183
57 1.405578 1.623798 1.735724 1.869356 1.921731 2.240166
58 1.500577 1.727312 1.848248 1.881117 2.188495 2.433454
59 1.610727 1.768400 1.859529 2.173740 2.344845 2.658935
60 1.674406 1.770626 1.965801 2.284939 2.561689 2.912946
61 1.698780 1.888780 2.055985 2.390927 2.843607 3.252713
62 1.873575 2.038856 2.321496 2.783619 3.180025 3.515546
63 2.028472 2.268525 2.644087 3.149898 3.438275 3.769325
64 2.237193 2.602971 3.073855 3.359784 3.682842 4.236038
65 2.556811 3.032230 3.272040 3.590923 4.141425 4.641174
66 2.986406 3.225412 3.491446 3.984981 4.535902 5.051935
67 3.173364 3.515713 3.872386 4.357366 4.871708 5.726076
68 3.553563 3.786825 4.218220 4.730112 5.742035 6.713136
69 3.733698 4.237897 4.554607 5.760091 6.627532 7.993124
70 3.909059 4.494387 5.133936 6.350405 7.523439 9.221028
71 4.113949 4.759844 5.515361 6.986480 8.895979 10.712609
72 4.604032 5.080868 5.902375 7.670597 10.642117 11.874304
73 4.964785 5.823110 6.953158 9.881795 11.386310 12.890752
74 5.710329 7.024758 9.468282 10.841950 12.462855 13.746314
75 7.111071 9.258847 10.380729 11.992491 13.418260 15.100099
76 8.944256 10.041011 11.485413 12.907349 14.728877 16.527570
77 9.695707 11.128170 12.494198 14.343382 16.450016 18.393825
78 10.636246 12.245688 13.900777 16.168274 18.208697 20.465793
79 11.870484 13.646909 15.707619 17.881715 20.354898 21.710423
80 13.378308 15.436932 17.529889 20.213695 21.636449 23.813328
81 15.089119 17.449902 19.807624 21.402366 23.702376 25.972441
82 17.008032 19.747967 21.213245 23.800991 25.821526 28.319070
83 19.548535 21.093149 23.660656 25.779783 28.497318 31.240369
84 21.088840 23.676119 25.793581 28.526129 31.611596 34.732687
85 24.211013 26.377778 28.552337 31.987996 35.154104 39.852701
GE Life & Annuity Assurance Company
Current Cost of Insurance Rates
Forms P1258, P1259, P4931, P4932
Unisex Standard Nicotine
Issue Age 14 15 16 17 18 19 20
--------- --------- --------- --------- --------- --------- --------- ---------
42 0.730404 0.836077 0.926785 1.016200 1.106690 1.200705 1.304918
43 0.837388 0.935925 1.025325 1.112071 1.202002 1.304918 1.379426
44 0.925132 1.032797 1.117884 1.206943 1.304998 1.378642 1.475831
45 1.032448 1.123697 1.211885 1.304567 1.379504 1.475048 1.583093
46 1.110155 1.218122 1.304647 1.378720 1.474263 1.582308 1.666639
47 1.209968 1.298927 1.384516 1.473479 1.573308 1.656426 1.807735
48 1.275883 1.371358 1.472695 1.578236 1.662209 1.788528 1.982990
49 1.348759 1.460403 1.576594 1.670062 1.796015 1.982265 2.218548
50 1.437742 1.562236 1.675844 1.803861 1.980260 2.195204 2.447888
51 1.548949 1.643065 1.819916 1.978256 2.173562 2.422946 2.600953
52 1.614937 1.785868 1.974610 2.150279 2.399647 2.599413 2.852250
53 1.793585 1.923367 2.125721 2.373491 2.597874 2.851125 3.173917
54 1.922941 2.069614 2.347335 2.596757 2.848307 3.171556 3.468938
55 1.999101 2.305136 2.593575 2.845538 3.170418 3.431129 3.761556
56 2.273047 2.547692 2.857563 3.167633 3.429178 3.757936 4.072581
57 2.479739 2.822338 3.131126 3.424733 3.753858 4.068941 4.501373
58 2.755852 3.073194 3.421515 3.709367 4.064459 4.493935 5.087819
59 2.986122 3.359388 3.665315 4.057056 4.489029 5.082420 5.657775
60 3.331775 3.638591 4.029856 4.483280 5.021917 5.589762 6.230304
61 3.562545 3.998056 4.476267 4.958081 5.586867 6.216365 7.004552
62 3.861770 4.437257 4.926046 5.583551 6.209611 6.998577 8.079327
63 4.331554 4.906118 5.510572 6.202436 6.992181 8.110776 9.209176
64 4.739792 5.455712 6.193997 6.986210 8.148197 9.254869 10.472361
65 5.218485 6.130289 7.013850 8.185632 9.305686 10.534396 11.632357
66 5.942231 6.981931 8.223082 9.355279 10.594698 11.736742 12.732472
67 6.806471 8.186379 9.404040 10.649050 11.843063 12.857398 14.000916
68 8.089915 9.448076 10.709424 11.940411 12.973326 14.128146 15.262566
69 9.344991 10.763845 12.055697 13.090815 14.257882 15.414484 16.714311
70 10.745143 12.155132 13.202796 14.376812 15.544447 16.861616 18.314969
71 12.030264 13.318536 14.506196 15.694313 17.020142 18.488601 20.054091
72 13.180550 14.634040 15.818647 17.182177 18.659356 20.264235 21.925423
73 14.066011 15.804305 17.144572 18.589847 20.345371 22.003158 23.640271
74 15.462332 16.973685 18.597158 20.462360 22.013138 23.638213 25.096602
75 16.767468 18.612815 20.561129 22.009100 23.634099 25.365781 27.312541
76 18.577456 20.574992 22.003043 23.627927 25.397652 27.631002 29.600519
77 20.521802 21.992951 23.617643 25.656660 27.787308 29.929757 32.186533
78 21.982860 23.607360 25.646123 27.814655 29.954645 32.521118 36.455970
79 23.827771 25.888889 28.063662 30.267401 32.845792 36.918167 40.194250
80 25.813070 28.211788 30.578417 33.194599 37.386755 40.716688 44.578021
81 28.224047 30.900244 33.512637 37.863696 41.249053 45.177282
82 31.034081 33.913518 38.349129 41.791526 45.790720
83 34.319387 38.843807 42.343662 46.413120
84 39.344758 42.903645 47.043991
85 43.473629 47.689787
Issue Age 21 22 23 24 25 Ultimate
--------- --------- --------- --------- --------- --------- ---------
42 1.380209 1.476969 1.601447 1.771154 1.902666 2.157126
43 1.476185 1.592449 1.753952 1.883826 2.061019 2.344701
44 1.585093 1.720757 1.865412 2.024190 2.239946 2.581320
45 1.685489 1.866333 2.004135 2.218245 2.467992 2.881065
46 1.827793 1.984078 2.218305 2.469323 2.703512 3.196936
47 1.983353 2.219217 2.471078 2.628036 2.941793 3.515818
48 2.218852 2.495397 2.601857 2.914351 3.238471 3.850487
49 2.472463 2.601963 2.884000 3.239403 3.508519 4.227358
50 2.600425 2.854923 3.239912 3.508174 3.846320 4.658096
51 2.853376 3.207479 3.490105 3.846810 4.190249 5.127514
52 3.175054 3.472884 3.806356 4.149320 4.610383 5.585361
53 3.470509 3.765106 4.106754 4.564730 5.103130 6.172860
54 3.763947 4.104346 4.517441 5.151212 5.739266 6.821141
55 4.099861 4.512084 5.145775 5.735482 6.270434 7.574932
56 4.506728 5.147088 5.729593 6.262829 6.950603 8.419881
57 5.143354 5.722446 6.256915 6.944651 7.942738 9.241172
58 5.716559 6.249311 7.009737 7.974968 8.972140 10.209750
59 6.240018 7.007162 7.995712 9.018541 10.106808 11.200447
60 7.009250 8.027543 9.064998 10.209750 11.118926 12.256361
61 8.059389 9.113187 10.314108 11.225528 12.166885 13.325787
62 9.160940 10.366095 11.327598 12.285113 13.358283 14.526548
63 10.420312 11.428008 12.394343 13.482158 14.545747 15.869700
64 11.530335 12.505537 13.614996 14.693665 15.895278 17.387408
65 12.628308 13.738364 14.838502 16.067138 17.404831 19.056097
66 13.863330 14.978331 16.239357 17.595360 19.043702 20.832590
67 15.122950 16.398272 17.767668 19.248091 20.867772 22.594627
68 16.549332 17.957724 19.443577 21.061672 22.699563 24.397405
69 18.122974 19.653867 21.278539 22.888664 24.459694 26.117638
70 19.834973 21.475477 23.149999 24.702307 26.240912 28.344849
71 21.697046 23.373870 24.955542 26.453492 28.564071 30.896465
72 23.597079 25.229565 26.717031 28.831610 31.222781 33.828798
73 25.069023 26.953396 28.910864 30.790741 34.249373 37.227004
74 27.195919 29.239267 31.132189 34.678103 37.699908 41.189428
75 29.561546 31.477384 35.112145 38.181846 41.730856
76 31.828603 35.552161 38.672363 42.279946
77 36.000062 39.172215 42.839470
78 39.678421 43.408984
79 43.989328
80
81
82
83
84
85
BMA Reinsurance
Exhibit III
Other Allowances
G.E. LIFE & ANNUITY ASSURANCE COMPANY Treaty #: 200202-001 Amendment I
--------------------------------------------------------------------------------
Waiver of Cost of Insurance
1st Year 100%
Renewal 15%
Temp Flat Extra
All Years 10%
Perm Flat Extra
1st Year 100%
Renewal 15%
Page 1 of 1
