AMENDMENT
EFFECTIVE JUNE 25, 2012
to the
AUTOMATIC AND FACULTATIVE YRT AGREEMENT
EFFECTIVE JANUARY 1, 2012
between
THE METROPOLITAN LIFE INSURANCE COMPANIES
WHICH SHALL INCLUDE THE FOLLOWING COMPANIES:
METROPOLITAN LIFE INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY,
NEW ENGLAND LIFE INSURANCE COMPANY, A MASSACHUSETTS INSURANCE COMPANY,
GENERAL AMERICAN LIFE INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY,
METLIFE INVESTORS USA INSURANCE COMPANY, A DELAWARE INSURANCE COMPANY,
METLIFE INVESTORS INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY,
FIRST METLIFE INVESTORS INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY,
METROPOLITAN TOWER LIFE INSURANCE COMPANY, A DELAWARE INSURANCE COMPANY, AND
METLIFE INSURANCE COMPANY OF CONNECTICUT, A CONNECTICUT INSURANCE COMPANY.
(HEREINAFTER INDIVIDUALLY OR COLLECTIVELY REFERRED TO AS "THE CEDING COMPANY" OR
"COMPANIES")
AND
GENERALI USA LIFE REASSURANCE COMPANY, A MISSOURI REINSURANCE COMPANY
(HEREINAFTER REFERRED TO AS "THE REINSURER")
This Agreement originally executed effective January 1, 2012, as amended, is
hereby amended, effective JUNE 25, 2012 for all eligible policies issued on or
after the effective date of this amendment, including policies backdated for up
to six (6) months to save age.
NOW THEREFORE, in consideration of the mutual and foregoing recitals and the
mutual covenants and undertakings herein contained, and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows.
1. Exhibit III is hereby replaced by the attached Exhibit III - Three
additional products are added (LASUL 12, XXXX 12, LGUL 12).
All terms, provisions, and conditions of this Agreement will continue unchanged
except as specifically revised in this Amendment.
Page 1 of 7
In witness of the above,
THE METROPOLITAN LIFE INSURANCE COMPANIES
WHICH SHALL INCLUDE THE FOLLOWING COMPANIES:
METROPOLITAN LIFE INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY,
NEW ENGLAND LIFE INSURANCE COMPANY, A MASSACHUSETTS INSURANCE COMPANY,
GENERAL AMERICAN LIFE INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY,
METLIFE INVESTORS USA INSURANCE COMPANY, A DELAWARE INSURANCE COMPANY,
METLIFE INVESTORS INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY,
FIRST METLIFE INVESTORS INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY,
METROPOLITAN TOWER LIFE INSURANCE COMPANY, A DELAWARE INSURANCE COMPANY, AND
METLIFE INSURANCE COMPANY OF CONNECTICUT, A CONNECTICUT INSURANCE COMPANY.
("THE CEDING COMPANY" OR "COMPANIES")
and
GENERALI USA LIFE REASSURANCE COMPANY, A MISSOURI REINSURANCE COMPANY
("THE REINSURER")
have by their respective officers executed and delivered this Amendment,
effective JUNE 25, 2012.
METROPOLITAN LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Senior Vice President
------------------------------------
NEW ENGLAND LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
Page 2 of 7
GENERAL AMERICAN LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
METLIFE INVESTORS USA INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
METLIFE INVESTORS INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
FIRST METLIFE INVESTORS INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
METROPOLITAN TOWER LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
Page 3 of 7
METLIFE INSURANCE COMPANY OF CONNECTICUT
By: /s/ Xxxxxxx Xxxxx
------------------------------------
Name: Xxxxxxx Xxxxx
------------------------------------
Title: Vice President
------------------------------------
GENERALI USA LIFE REASSURANCE COMPANY
By: /s/ X X Xxxxxxxxx By: /s/ Xxxxx Xxxx
------------------------------ ------------------------------
Name: X X Xxxxxxxxx Name: Xxxxx Xxxx
------------------------------ ------------------------------
Title: President & COC Title: Asst Registrar
------------------------------ ------------------------------
Page 4 of 7
EXHIBIT III
POLICIES AND RIDERS
-------------------
The Policies and Riders underwritten by or on behalf of the Ceding Companies or
simplified issue with fully underwritten rates, as described below may be ceded
hereunder:
STATUTORY
REINSURANCE VALUATION
REINSURANCE REINSURANCE MAXIMUM REINSURANCE CEDING MORTALITY RATES TO BE
PRODUCT CATEGORY BASIS AGE TABLE COMPANY TABLE USED
------- ----------- ------------ ----------- ------------------- -------- --------- --------------------
90-95modified - MLI
GLT Term Excess 100 UW.xls XXX/XXXX 0000 XXX 0 Xxxxx Xxxxx Xxxx
XX/Xxxxx 00-00xxxxxxxx - XX XXXX, Permanent - 5 class
JSUL 2005 Product First Dollar 120 to age 120.xls MLI USA 2001 CSO (joint life)
Permanent - 5 class
(single life);
Permanent - 4 class
(single life);
UL/Accum 90-95modified - UW MLIC, Permanent - 2 class
GAUL07 Product First Dollar 121 to age 120.xls MLI USA 2001 CSO (single life)
XX/Xxxxx 00-00xxxxxxxx - XX XXXX, Xxxxxxxxx - 0 class
EAVUL08 Product Excess 121 to age 120.xls MLI USA 2001 CSO (single life)
Life Paid up at XX/Xxxxx 00-00xxxxxxxx - XX Xxxxxxxxx - 0 class
Age 100 (WL 08) Product Excess 121 to age 120.xls XXXX 0000 CSO (single life)
EEA COLI UL/Accum 90-95modified - Permanent - 5 class
(2001 CSO) Product Excess 100 UW.xls NELICO 2001 CSO (single life)
UL/Accum 90-95modified - Permanent - 4 class
PPVUL Product Excess 100 UW.xls GALIC 2001 CSO (single life)
UL/Accum 90-95modified - UW Permanent - 2 class
Premier BOLI Product Excess 100 - ALB.xls XXXX 0000 CSO (single life)
XX/Xxxxx 00-00xxxxxxxx - XX XXXX, Xxxxxxxxx - 0 class
LASUL 09 Product First Dollar 120 to age 120.xls MLI USA 2001 CSO (joint life)
Permanent - 5 class
(single life);
Permanent - 4 class
(single life);
UL/Accum 90-95modified - UW MLIC, Permanent - 2 class
XXXX 09 Product First Dollar 121 to age 120.xls MLI USA 2001 CSO (single life)
XX/Xxxxx 00-00xxxxxxxx - XX XXXX, Xxxxxxxxx - 0 class
WL 10 Product Excess 120 to age 120.xls MLI USA 2001 CSO (single life)
XX/Xxxxx 00-00xxxxxxxx - XX XXXX, Xxxxxxxxx - 0 class
LASUL 11 Product First Dollar 120 to age 120.xls MLI USA 2001 CSO (joint life)
Page 5 of 7
STATUTORY
REINSURANCE VALUATION
REINSURANCE REINSURANCE MAXIMUM CEDING MORTALITY RATES TO BE
PRODUCT CATEGORY BASIS AGE REINSURANCE TABLE COMPANY TABLE USED
------- ----------- ------------ ----------- ------------------- --------- --------- --------------------
Permanent - 5 class
(single life);
Permanent - 4 class
UL/ (single life);
Accum 90-95modified - UW MLIC, MLI Permanent - 2 class
XXXX 11 Product First Dollar 121 to age 120.xls USA 2001 CSO (single life)
UL/
Life Paid up at Accum 90-95modified - UW MLIC, MLI Permanent - 5 class
Age 120 (L120) Product Excess 120 to age 120.xls USA 2001 CSO (single life)
LASUL 12 UL/Accum First Dollar 120 90-95modified - UW MLIC, MLI Permanent - 5 class
Product to age 120.xls USA 2001 CSO (joint life)
XXXX 12 UL/Accum First Dollar 121 90-95modified - UW MLIC, MLI Permanent - 5 class
Product to age 120.xls USA 2001 CSO (single life);
Permanent - 4 class
(single life):
Permanent - 2 class
(single life)
XXXX 12 UL/Accum Excess 121 90-95modified - UW MLIC, MLI Permanent - 5 class
Product to age 120.xls USA 2001 CSO (single life)
Product
-------
GLT - Guaranteed Level Term
JSUL 2005 - Joint Universal Life with Secondary Guarantee
GAUL07 - Universal Life with Secondary Guarantee
EAVUL08 - Variable Universal Life
Life Paid up at Age 100 (WL08) - Whole Life
EEA COLI (2001 CSO) - Variable Universal Life
PPVUL - Variable Universal Life
Premier BOLI - Universal Life
LASUL 09 - Joint Universal Life with Secondary Guarantee
XXXX 09 - Universal Life with Secondary Guarantee
WL 10-Whole Life
LASUL 11 - Joint Universal Life with Secondary Guarantee
XXXX 11 - Universal Life with Secondary Guarantee
Life Paid up at Age 120 (L120) - Whole Life
LASUL 12 - Joint Universal Life with Secondary Guarantee
XXXX 12 - Universal Life with Secondary Guarantee
LGUL 12 - Universal Life with Secondary Guarantee
Riders attached to the listed plans
-----------------------------------
ADBR - Accelerated Death Benefit Rider
Preliminary Term/Temporary Term
ART - Annually Renewable Term
Outside Term Rider
FTR - Flexible Term Rider
Page 6 of 7
Other
-----
The Reinsurer shall pay its share of any claim after the Reinsurance Maximum Age
under the extended maturity coverage, including interest, as defined in Article
VI, For joint life policies with one life insurable, this will be the
Reinsurance Maximum Age of the insurable life and for joint life policies with
both lives insurable, this will be the Reinsurance Maximum Age of the younger
insured.
Products not listed above resulting from the exercise of business exchanges,
policy split options, and purchase options shall be covered on an excess
reinsurance basis.
For Policies ceded with RPR/SFIO riders, the maximum net amount at risk
illustrated at the time of issue shall be used for purposes of underwriting,
autobind limits, and jumbo limits. For Policies ceded facultatively with RPR
rider, the ultimate amount ceded to the Reinsurers shall not exceed the maximum
net amount at risk included in the facultative offers from the Reinsurers.
Page 7 of 7
AMENDMENT
EFFECTIVE NOVEMBER 30, 2012
to the
AUTOMATIC AND FACULTATIVE YRT AGREEMENT
EFFECTIVE JANUARY 1, 2012
between
THE METROPOLITAN LIFE INSURANCE COMPANIES
WHICH SHALL INCLUDE THE FOLLOWING COMPANIES:
METROPOLITAN LIFE INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY, NEW ENGLAND
LIFE INSURANCE COMPANY, A MASSACHUSETTS INSURANCE COMPANY, GENERAL AMERICAN LIFE
INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY, METLIFE INVESTORS USA INSURANCE
COMPANY, A DELAWARE INSURANCE COMPANY, METLIFE INVESTORS INSURANCE COMPANY, A
MISSOURI INSURANCE COMPANY, FIRST METLIFE INVESTORS INSURANCE COMPANY, A NEW
YORK INSURANCE COMPANY, METROPOLITAN TOWER LIFE INSURANCE COMPANY, A DELAWARE
INSURANCE COMPANY, AND METLIFE INSURANCE COMPANY OF CONNECTICUT, A CONNECTICUT
INSURANCE COMPANY. (HEREINAFTER INDIVIDUALLY OR COLLECTIVELY REFERRED TO AS "THE
CEDING COMPANY" OR"COMPANIES")
AND
GENERALI USA LIFE REASSURANCE COMPANY, A MISSOURI REINSURANCE COMPANY
(HEREINAFTER REFERRED TO AS "THE REINSURER")
This Agreement originally executed effective January 1, 2012, as amended, is
hereby amended, effective NOVEMBER 30, 2012 for all eligible policies issued on
or after the effective date of this amendment, including policies backdated for
up to six (6) months to save age.
NOW THEREFORE, in consideration of the mutual and foregoing recitals and the
mutual covenants and undertakings herein contained, and for other good and
valuable consideration, the receipt and sufficiency of which is hereby
acknowledged, the parties agree as follows.
1. Exhibit III is hereby replaced by the attached Exhibit III - Two
additional products are added (CDT, OYT).
2. Exhibit IV, Table A is hereby replaced by the attached Exhibit IV, Table A
- 2 class One Year Term rates are added.
All terms, provisions, and conditions of this Agreement will continue unchanged
except as specifically revised in this Amendment.
Page 1 of 13
In witness of the above,
THE METROPOLITAN LIFE INSURANCE COMPANIES
WHICH SHALL INCLUDE THE FOLLOWING COMPANIES:
METROPOLITAN LIFE INSURANCE COMPANY, A NEW YORK INSURANCE COMPANY, NEW ENGLAND
LIFE INSURANCE COMPANY, A MASSACHUSETTS INSURANCE COMPANY, GENERAL AMERICAN LIFE
INSURANCE COMPANY, A MISSOURI INSURANCE COMPANY, METLIFE INVESTORS USA INSURANCE
COMPANY, A DELAWARE INSURANCE COMPANY, METLIFE INVESTORS INSURANCE COMPANY, A
MISSOURI INSURANCE COMPANY, FIRST METLIFE INVESTORS INSURANCE COMPANY, A NEW
YORK INSURANCE COMPANY, METROPOLITAN TOWER LIFE INSURANCE COMPANY, A DELAWARE
INSURANCE COMPANY, AND METLIFE INSURANCE COMPANY OF CONNECTICUT, A CONNECTICUT
INSURANCE COMPANY, ("THE CEDING COMPANY" OR "COMPANIES")
and
GENERALI USA LIFE REASSURANCE COMPANY, A MISSOURI REINSURANCE COMPANY
("THE REINSURER")
have by their respective officers executed and delivered this Amendment,
effective NOVEMBER 30, 2012.
METROPOLITAN LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Senior Vice President
-----------------------------
NEW ENGLAND LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
Page 2 of 13
GENERAL AMERICAN LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
METLIFE INVESTORS USA INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
METLIFE INVESTORS INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
FIRST METLIFE INVESTORS INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
METROPOLITAN TOWER LIFE INSURANCE COMPANY
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
Page 3 of 13
METLIFE INSURANCE COMPANY OF CONNECTICUT
By: /s/ Xxxxxxx Xxxxx
-----------------------------
Name: Xxxxxxx Xxxxx
-----------------------------
Title: Vice President
-----------------------------
GENERALI USA LIFE REASSURANCE COMPANY
By: /s/ Xxxxx X Xxxxx By: /s/ Xxxxx Xxxx
------------------------- ---------------------------
Name: Xxxxx X Xxxxx Name: Xxxxx Xxxx
------------------------- ---------------------------
Title: Senior Vice President Title: Asst. Registrar
------------------------- ---------------------------
Page 4 of 13
EXHIBIT III
POLICIES AND RIDERS
-------------------
The Policies and Riders underwritten by or on behalf of the Ceding Companies or
simplified issue with fully underwritten rates, as described below may be ceded
hereunder:
STATUTORY
VALUATION
REINSURANCE REINSURANCE CEDING MORTALITY
PRODUCT CATEGORY REINSURANCE BASIS MAXIMUM AGE REINSURANCE TABLE COMPANY TABLE RATES TO BE USED
---------------- ---------------- ----------------- ----------- ----------------- ------------- --------- -------------------
90-95modified - MLI 6 Class Level
GLT Term Excess 100 UW.xls XXX/XXXX 0000 XXX Xxxx
90-95modified - Permanent -5
JSUL 2005 UL/Accum Product First Dollar 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (joint life)
Permanent -5 class
(single life);
Permanent -4 class
(single life);
90-95modified - Permanent -2
GAUL07 UL/Accum Product First Dollar 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
00-00xxxxxxxx - Xxxxxxxxx -0
XXXXX00 UL/Accum Product Excess 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
Life Paid up at 90-95modified - Permanent -5
Age 100 (WL 08) UL/Accum Product Excess 121 UW to age 120.xls XXXX 0000 CSO class (single life)
EEA COLI 90-95modified - Permanent -5
(2001 CSO) UL/Accum Product Excess 100 UW.xls NELICO 2001 CSO class (single life)
90-95modified - Permanent -4
PPVUL UL/Accum Product Excess 100 UW.xls GALIC 2001 CSO class (single life)
90-95modified - Permanent -2
Premier BOLI UL/Accum Product Excess 100 UW -ALB.xls XXXX 0000 CSO class (single life)
90-95modified - Permanent -5
LASUL 09 UL/Accum Product First Dollar 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (joint life)
Permanent -5 class
(single life);
Permanent -4 class
(single life);
90-95modified - Permanent -2
XXXX 09 UL/Accum Product First Dollar 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
90-95modified - Permanent -5
WL 10 UL/Accum Product Excess 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
90-95modified - Permanent -5
LASUL 11 UL/Accum Product First Dollar 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (joint life)
Page 5 of 13
STATUTORY
VALUATION
REINSURANCE REINSURANCE CEDING MORTALITY RATES TO BE
PRODUCT CATEGORY REINSURANCE BASIS MAXIMUM AGE REINSURANCE TABLE COMPANY TABLE USED
---------------- ---------------- ----------------- ----------- ----------------- ------------- --------- -------------------
Permanent -5 class
(single life);
Permanent -4 class
(single life);
90-95modified - Permanent -2
XXXX 11 UL/Accum Product First Dollar 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
Life Paid up at 90-95modified - Permanent -5
Age 120 (L120) UL/Accum Product Excess 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
90-95modified - Permanent -5
LASUL 12 UL/Accum Product First Dollar 120 UW to age 120.xls MLIC, MLI USA 2001 CSO class (joint life)
Permanent -5 class
(single life);
Permanent -4 class
(single life);
90-95modified - Permanent -2
XXXX 12 UL/Accum Product First Dollar 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
90-95modified - Permanent -5
LGUL 12 UL/Accum Product Excess 121 UW to age 120.xls MLIC, MLI USA 2001 CSO class (single life)
90-95modified - 6 Class Level
CDT Term Excess 100 UW.xls MLIC, MLI USA 2001 CSO Term
90-95modified - 2 Class One
OYT Term Excess 100 UW.xls MLIC, MLI USA 2001 CSO Year Term
Product
-------
GLT - Guaranteed Level Term
JSUL 2005 - Joint Universal Life with Secondary Guarantee
GAUL07 - Universal Life with Secondary Guarantee
EAVUL08 - Variable Universal Life
Life Paid up at Age 100 (WL08) - Whole Life
EEA COLI (2001 CSO) - Variable Universal Life
PPVUL - Variable Universal Life
Premier BOLI - Universal Life
LASUL 09 - Joint Universal Life with Secondary Guarantee
XXXX 09 - Universal Life with Secondary Guarantee
WL 10-Whole Life
LASUL 11 - Joint Universal Life with Secondary Guarantee
XXXX 11 - Universal Life with Secondary Guarantee
Life Paid up at Age 120 (L120) - Whole Life
LASUL 12 - Joint Universal Life with Secondary Guarantee
XXXX 12 - Universal Life with Secondary Guarantee
LGUL 12 - Universal Life with Secondary Guarantee
CDT - Guaranteed Level Term
OYT - One Year Term
Page 6 of 13
Riders attached to the listed plans
-----------------------------------
ADBR - Accelerated Death Benefit Rider
Preliminary Term/Temporary Term
ART - Annually Renewable Term
JTCR - Joint Term Coverage Rider
RPR - Return of Premium Rider
EPTR - Estate Preservation Term Rider
SFIO - Scheduled Face Increase Option
PAIR - Option to Purchase Additional Insurance Rider
Inside Term Rider
Outside Term Rider
FTR - Flexible Term Rider
Other
-----
The Reinsurer shall pay its share of any claim after the Reinsurance Maximum Age
under the extended maturity coverage, including interest, as defined in Article
VI. For joint life policies with one life insurable, this will be the
Reinsurance Maximum Age of the insurable life and for joint life policies with
both lives insurable, this will be the Reinsurance Maximum Age of the younger
insured.
Products not listed above resulting from the exercise of business exchanges,
policy split options, and purchase options shall be covered on an excess
reinsurance basis.
For Policies ceded with RPR/SFIO riders, the maximum net amount at risk
illustrated at the time of issue shall be used for purposes of underwriting,
autobind limits, and jumbo limits. For Policies ceded facultatively with RPR
rider, the ultimate amount ceded to the Reinsurers shall not exceed the maximum
net amount at risk included in the facultative offers from the Reinsurers.
Page 7 of 13
EXHIBIT IV
TABLE A
-------
Joint Life Minimum Premium Per Thousand:0.15
For policies with a Reinsurance Basis of Excess and Reinsurance Category of Term
--------------------------------------------------------------------------------
6 Class Level Term - T10
Female Female Male Male
Risk Class Rate Table Class Yrs 1-10 Yrs 11+ Yrs 1-10 Yrs 11+
Elite+ NS Elite Nonsmoker 63.0% 157.3% 55.0% 137.5%
Pref+ NS Elite Nonsmoker 68.2% 170.4% 57.7% 144.1%
Std+ NS Preferred Nonsmoker 60.7% 151.6% 53.2% 132.9%
Std NS Standard (Residual) Nonsmoker 63.3% 157.8% 54.4% 136.0%
Pref SM Preferred Smoker 75.1% 187.5% 85.7% 214.1%
Std SM Standard (Residual) Smoker 79.5% 198.5% 78.5% 196.2%
6 Class Level Term - T15
Female Female Male Male
Risk Class Rate Table Class Yrs 1-15 Yrs 16+ Yrs 1-15 Yrs 16+
Elite+ NS Elite Nonsmoker 59.9% 149.5% 52.4% 130.8%
Pref+ NS Elite Nonsmoker 64.3% 160.5% 55.9% 139.5%
Std+ NS Preferred Nonsmoker 58.8% 147.0% 50.8% 127.0%
Std NS Standard (Residual) Nonsmoker 58.8% 147.0% 50.0% 124.8%
Pref SM Preferred Smoker 73.2% 182.9% 84.0% 209.8%
Std SM Standard (Residual) Smoker 77.1% 192.5% 76.7% 191.5%
6 Class Level Term - T20
Female Female Female Male Male Male
Risk Class Rate Table Class Yrs 1-15 Yrs 16-20 Yrs 21+ Yrs 1-15 Yrs 16-20 Yrs 21+
Elite+ NS Elite Nonsmoker 62.3% 60.1% 150.1% 54.9% 56.6% 141.2%
Pref+ NS Elite Nonsmoker 64.2% 65.4% 163.4% 57.6% 58.3% 145.6%
Std+ NS Preferred Nonsmoker 63.4% 59.0% 147.5% 54.6% 53.3% 133.2%
Std NS Standard (Residual) Nonsmoker 60.1% 55.9% 139.5% 53.3% 50.6% 126.5%
Pref SM Preferred Smoker 71.7% 89.1% 222.8% 79.7% 101.3% 253.2%
Std SM Standard (Residual) Smoker 76.3% 88.4% 220.8% 74.6% 91.3% 227.9%
Page 8 of 13
6 Class Level Term - T30
Female Female Female Male Male Male
Risk Class Rate Table Class Yrs 1-15 Yrs 16-30 Yrs 31+ Yrs 1-15 Yrs 16-30 Yrs 31+
Elite+ NS Elite Nonsmoker 66.4% 54.6% 136.5% 59.6% 58.9% 147.3%
Pref+ NS Elite Nonsmoker 68.8% 56.3% 140.5% 65.9% 62.7% 156.6%
Std+ NS Preferred Nonsmoker 71.2% 53.6% 133.9% 62.4% 55.4% 138.4%
Std NS Standard (Residual) Nonsmoker 61.7% 45.5% 113.6% 64.3% 53.7% 134.3%
Pref SM Preferred Smoker 69.1% 75.9% 189.7% 71.9% 90.2% 225.6%
Std SM Standard (Residual) Smoker 76.1% 77.2% 192.7% 70.8% 84.2% 210.3%
2 Class One Year Term
Female Male
Risk Class Rate Table Class Yr 1 Yr 1
Std NS Standard (Residual) Nonsmoker 74.1% 63.7%
Std SM Standard (Residual) Smoker 93.1% 91.9%
Page 9 of 13
For policies with a Reinsurance Basis of First Dollar and Reinsurance Category
------------------------------------------------------------------------------
of UL/Accumulation
------------------
Permanent Fully Underwritten 5-Class - Single Life - $1 ,000,000 +
Female Female Female Female Female Female Female Female
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 56.1% 63.6% 76.5% 82.2%
Pref NS Preferred Nonsmoker 59.1% 65.2% 74.4% 69.3%
Std NS Standard (Residual) Nonsmoker 59.3% 68.6% 68.6% 70.5% 60.0% 60.0%
Pref SM Preferred Smoker 77.0% 149.9% 132.7% 176.4%
Std SM Standard (Residual) Smoker 80.3% 162.3% 162.3% 123.1% 184.8% 184.8%
Agg Aggregate 59.3% 70.5%
Male Male Male Male Male Male Male Male
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 46.2% 50.2% 56.2% 66.9%
Pref NS Preferred Nonsmoker 49.7% 50.2% 54.4% 57.8%
Std NS Standard (Residual) Nonsmoker 46.8% 51.7% 51.7% 48.4% 53.1% 53.1%
Pref SM Preferred Smoker 89.0% 139.0% 133.9% 149.7%
Std SM Standard (Residual) Smoker 80.2% 147.1 % 147.1% 115.6% 134.3% 134.3%
Agg Aggregate 46.8% 48.4%
Permanent Fully Underwritten 5-Class - Single Life - $250,000 - $999,999
Female Female Female Female Female Female Female Female
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 75.1% 85.8% 98.3% 107.0%
Pref NS Preferred Nonsmoker 74.0% 81.1% 97.4% 91.7%
Std NS Standard (Residual) Nonsmoker 75.9% 82.5% 82 .5% 93.9% 81.0% 81.0%
Pref SM Preferred Smoker 103.4% 202.3% 171.5% 241.6%
Std SM Standard (Residual) Smoker 108.2% 219.0% 219.0% 159.5% 257.8% 257.8%
Agg Aggregate 75.9% 93.9%
Male Male Male Male Male Male Male Male
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 60.9% 68.3% 72.8% 87.7%
Pref NS Preferred Nonsmoker 63.4% 68.2% 70.6% 76.1%
Std NS Standard (Residual) Nonsmoker 61.6% 67.9% 67.9% 62.9% 67.2% 67.2%
Pref SM Preferred Smoker 119.8% 189.0% 175.6% 205.4%
Std SM Standard (Residual) Smoker 108.3% 170.9% 170.9% 152.9% 184.7% 184.7%
Agg Aggregate 61.6% 62.9%
Page 10 of 13
Permanent Fully Underwritten 4-Class - Single Life - $100,000 - $249,999
Female Female Female Female Female Female Female Female
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
R ISK Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Pref NS Preferred Nonsmoker 74.0% 81.1% 97.4% 91.7%
Std NS Standard (Residual.) Nonsmoker 75.9% 82.5% 82.5% 93.9% 81.0% 81.0%
Pref SM Preferred Smoker 103.4% 202.3% 171.5% 241.6%
Std SM Standard (Residual) Smoker 108.2% 219.0% 219.0% 159.5% 257.8% 257.8%
Agg Aggregate 75.9% 93.9%
Male Male Male Male Male Male Male Male
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Pref NS Preferred Nonsmoker 63.4% 68.2% 70.6% 76.1%
Std NS Standard (Residual) Nonsmoker 61.6% 67.9% 67.9% 62.9% 67.2% 67.2%
Pref SM Preferred Smoker 119.8% 189.0% 175.6% 205.4%
Std SM Standard (Residual) Smoker 108.3% 170.9% 170.9% 152.9% 184.7% 184.7%
Agg Aggregate 61.6% 62.9%
Permanent Fully Underwritten 2-Class - Single Life - < $100,000
Female Female Female Female Female Female Female Female
IA 0-17 IA 18-70 IA 71-80 IA 81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Std NS Standard (Residual) Nonsmoker 83.4% 95.5% 95.5% 102.7% 93.8% 93.8%
Std SM Standard (Residual) Smoker 113.8% 228.2% 228.2% 166.4% 272.9% 272.9%
Agg Aggregate 83.4% 102.7%
Male Male Male Male Male Male Male Male
IA 0-17 IA18-70 IA 71-80 IA81-85 IA 0-17 IA 18-70 IA 71-80 IA 81-85
Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+ Yrs 16+
Std NS Standard (Residual) Nonsmoker 67.8% 77.5% 77.5% 69.1% 77.5% 77.5%
Std SM Standard (Residual) Smoker 121.3% 191.2% 191.2% 169.0% 208.4% 208.4%
Agg Aggregate 67.8% 69.1%
Permanent Fully Underwritten 5-Class - Joint Life - $1,000,000 +
IA1 8-70 IA 71-80 IA 81-90 IA 18-70 IA 71-80 IA 81-90
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 59.8% 74.4% 78.1% 75.0%
Pref NS Preferred Nonsmoker 60.6% 69.0% 69.1% 63.9%
Std NS Standard (Residual) Nonsmoker 62.3% 66.9% 66.9% 61.2% 58.4% 58.4%
Pref SM Preferred Smoker 105.1% 180.4% 164.6% 155.1%
Std SM Standard (Residual) Smoker 95.6% 194.8% 194.8% 146.2% 162.8% 162.8%
Page 11 of 13
Permanent Fully Underwritten 5-Class - Joint Life - $250,000 - $999,999
IA 18-70 IA 71-80 IA 81-90 IA 18-70 IA 71-80 IA 81-90
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 61.5% 84.2% 91.4% 93.2%
Pref NS Preferred Nonsmoker 66.7% 78.8% 82.4% 79.7%
Std NS Standard (Residual) Nonsmoker 69.0% 72.7% 72.7% 74.2% 71.7% 71.7%
Pref SM Preferred Smoker 121.2% 219.8% 202.5% 210.6%
Std SM Standard (Residual) Smoker 111.6% 240.4% 240.4% 181.2% 224.9% 224.9%
Page 12 of 13
For policies with a Reinsurance Basis of Excess and Reinsurance Categoey of
----------------------------------------------------------------------------
UL/Accumulation
---------------
Permanent Fully Underwritten 5-Class - Single Life
Female Female Female Female Female Female
IA 0-17 IA 18-80 IA 81-85 IA 0-17 IA 18-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 68.1% 75.2%
Pref NS Preferred Nonsmoker 63.4% 65.4%
Std NS Standard (Residual) Nonsmoker 64.1% 64.1% 60.9% 60.9%
Pref SM Preferred Smoker 81.3% 115.0%
Std SM Standard (Residual) Smoker 85.7% 85.7% 109.7% 109.7%
Agg Aggregate 64.1% 60.9%
Male Male Male Male Male Male
IA 0-17 IA 18-80 IA 81-85 IA 0-17 IA 18-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Elite NS Elite Nonsmoker 58.1% 62.8%
Pref NS Preferred Nonsmoker 56.6% 55.8%
Std NS Standard (Residual) Nonsmoker 57.3% 57.3% 52.1% 52.1%
Pref SM Preferred Smoker 90.9% 123.2%
Std SM Standard (Residual) Smoker 83.2% 83.2% 108.5% 108.5%
Agg Aggregate 57.3% 52.1%
Permanent Fully Underwritten 4-Class - Single Life
Female Female Female Female Female Female
IA 0-17 IA 18-80 IA 81-85 IA 0-17 IA 18-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Pref NS Preferred Nonsmoker 62.1% 64.1%
Std NS Standard (Residual) Nonsmoker 64.0% 64.0% 60.8% 60.8%
Pref SM Preferred Smoker 81.3% 114.9%
Std SM Standard (Residual) Smoker 85.7% 85.7% 109.7% 109.7%
Agg Aggregate 64.0% 60.8%
Male Male Male Male Male Male
IA 0-17 IA 18-80 IA 81-85 IA 0-17 IA 18-80 IA 81-85
Risk Class Rate Table Class Yrs 1-15 Yrs 1-15 Yrs 1-15 Yrs 16+ Yrs 16+ Yrs 16+
Pref NS Preferred Nonsmoker 56.0% 55.2%
Std NS Standard (Residual) Nonsmoker 57.3% 57.3% 52.0% 52.0%
Pref SM Preferred Smoker 90.8% 123.1%
Std SM Standard (Residual) Smoker 83.1% 83.1% 108.4% 108.4%
Agg Aggregate 57.3% 52.0%
Permanent Fully Underwritten 2-Class - Single Life
Female Female Male Male
IA 20-80 IA 20-80 IA 20-80 IA 20-80
Risk Class Rate Table Class Yrs 1-15 Yrs 16+ Yrs 1-15 Yrs 16+
Std NS Standard (Residual) Nonsmoker 62.2% 59.0% 57.3% 52.0%
Std SM Standard (Residual) Smoker 80.5% 103.1% 79.9% 104.1%
Page 13 of 13
