EXHIBIT 3(a)
DISTRIBUTION AGREEMENT
----------------------
AGREEMENT made this 1st day of November, 1987 by and between Lutheran
Brotherhood Variable Insurance Products Company, a Minnesota corporation
("LBVIP"), on its own behalf and on behalf of the LBVIP Variable Annuity
Account I (the "Variable Account"), and Lutheran Brotherhood Securities
Corp., a Pennsylvania corporation ("LBSC").
WITNESSETH:
-----------
WHEREAS, LBVIP has established and maintains the Variable Account, a
separate investment account, pursuant to the laws of Minnesota for the
purpose of selling flexible premium variable annuity contracts
("Contracts"), to commence after the effectiveness of the Registration
Statement relating thereto filed with the Securities and Exchange Commission
on Form N-4 pursuant to the Securities Act of 1933, as amended (the "1933
Act") and the Investment Company Act of 1940 (the "1940 Act"); and
WHEREAS, the Variable Account will be registered as a unit investment
trust under the 1940 Act; and
WHEREAS, LBSC is registered as a broker-dealer under the Securities
Exchange Act of 1934 (the "Securities Exchange Act") and is a member of the
National Association of Securities Dealers, Inc. ("NASD"); and
WHEREAS, LBVIP and LBSC wish to enter into an agreement to have LBSC
act as the Company's principal underwriter for the sale of the Contracts
through the Variable Account;
NOW, THEREFORE, the parties agree as follows:
1. APPOINTMENT OF THE DISTRIBUTOR
LBVIP agrees that during the term of this Agreement it will take
all action which is required to cause the Contracts to comply as
an insurance product and a registered security with all applicable
federal and state laws and regulations. LBVIP appoints LBSC and
LBSC agrees to act as the principal underwriter for the sale of
Contracts to the public, during the term of this Agreement, in
each state and other jurisdiction in which such Contracts may
lawfully be sold. LBSC shall offer the Contracts for sale and
distribution at premium rates set by LBVIP. Applications for the
Contracts shall be solicited only by representatives duly and
appropriately licensed or otherwise qualified for the sale of such
Contracts in each state or other jurisdiction. LBVIP shall
undertake to appoint LBSC's qualified registered representatives
as life insurance agents of LBVIP. Completed applications for
Contracts shall be transmitted directly to LBVIP for acceptance or
rejection in accordance with underwriting rules established by
LBVIP. Initial premium payments under the Contracts shall be made
by check payable to LBVIP and shall be held at all times by LBSC
or its registered representatives in a fiduciary capacity and
remitted promptly to LBVIP. Anything in this Agreement to the
contrary notwithstanding, LBVIP retains the ultimate right to
control the sale of the Contracts and to appoint and discharge
life insurance agents of LBVIP. LBSC shall be held to the
exercise of reasonable care in carrying out the provisions of this
Agreement.
2. SALES AGREEMENTS
LBSC is hereby authorized to enter into separate written
agreements, on such terms and conditions as LBSC may determine not
inconsistent with this Agreement, with one or more registered
representatives who agree to participate in the distribution of
Contracts. Such registered representatives shall be registered as
securities agents with the NASD. LBSC and its registered
representatives soliciting applications for Contracts shall also
be duly and appropriately licensed, registered or otherwise
qualified for the sale of such Contracts (and the riders and other
policies offered in connection therewith) under the insurance laws
and any applicable blue sky laws of each state or other
jurisdiction in which LBVIP is authorized to offer the Contracts.
LBSC shall have the responsibility for ensuring that its
registered representatives are properly supervised. LBSC shall
assume any legal responsibilities of LBVIP for the acts,
commissions or defalcations of such registered representatives
insofar as they relate to the sale of the Contracts. Applications
for Contracts solicited by LBSC through its registered
representatives shall be transmitted directly to LBVIP. All
premium payments under the Contracts shall be made by check to
LBVIP and, if received by LBSC, shall be held at all times in a
fiduciary capacity and remitted promptly to LBVIP.
3. LIFE INSURANCE LICENSING
LBVIP shall be responsible for ensuring that the registered
representatives are duly qualified under the insurance laws of the
applicable jurisdictions to sell the Contracts.
4. SUITABILITY
LBVIP wishes to ensure that Contracts sold by LBSC will be issued
to purchasers for whom the Contract will be suitable. LBSC shall
take reasonable steps to ensure that the various registered
representatives appointed by it shall not make recommendations to
an applicant to purchase a Contract in the absence of reasonable
grounds to believe that the purchase of the Contract is suitable
for such applicant. While not limited to the following, a
determination of suitability shall be based on information
furnished to a registered representative after reasonable inquiry
of such applicant concerning the applicant's insurance and
investment objectives, financial situation and needs, and the
likelihood that the applicant will continue to make the premium
payments contemplated by the Contracts.
5. PROMOTION MATERIALS
LBVIP shall have the responsibility for furnishing to LBSC and its
registered representatives sales promotion materials and
individual sales proposals related to the sale of the Contracts.
LBSC shall not use any such materials that have not been approved
by LBVIP.
6. COMPENSATION
LBVIP shall arrange for the payment of commissions directly to
those registered representatives of LBSC who are entitled thereto
in connection with the sale of the Contracts on behalf of LBSC, in
the amounts and on such terms and conditions as LBVIP and LBSC
have determined in the VARIABLE PRODUCTS SCHEDULE OF
COMMISSION RATES attached hereto as Exhibit A and Exhibit B and
incorporated by reference herein; provided, however, that such
terms, conditions and commissions as are set forth in or as are
not inconsistent with the Prospectus included as part of the
Registration Statement for the Contracts and effective under the
1933 Act. LBVIP may, at its option, adjust VARIABLE PRODUCTS
SCHEDULE OF COMMISSION RATES for contracts and
riders hereafter sold, by giving written notice to LBSC thirty
days in advance of such change.
LBVIP shall reimburse LBSC for the costs and expenses incurred by
LBSC in furnishing or obtaining the services, materials and
supplies required by the terms of this Agreement, in the initial
sales efforts and the continuing obligations hereunder.
7. RECORDS
LBSC shall have the responsibility for maintaining the records of
representatives licensed, registered and otherwise qualified to
sell the Contracts. LBSC shall maintain such other records as are
required of it by applicable laws and regulations. The books,
accounts and records of LBVIP, the Variable Account and LBSC shall
be maintained so as to clearly and accurately disclose the nature
and details of the transactions. All records maintained by LBSC
or in connection with this Agreement shall be the property of
LBVIP and shall be returned to LBVIP upon termination of this
Agreement, free from any claims or retention of rights by LBSC.
LBSC shall keep confidential any information obtained pursuant to
this Agreement and shall disclose such information, only if LBVIP
has authorized such disclosure, or if such disclosure is expressly
required by applicable federal or state regulatory authorities.
8. INVESTIGATIONS AND PROCEEDINGS
(a) LBSC and LBVIP agree to cooperate fully in any insurance
regulatory investigation, proceeding or judicial proceeding
arising in connection with the Contracts distributed under
this Agreement. LBSC and LBVIP further agree to cooperate
fully in any securities regulatory investigation, proceeding
or judicial proceeding with respect to LBVIP, LBSC, their
affiliates and their agents or representatives to the extent
that such investigation or proceeding is in connection with
Contracts distributed under this Agreement. LBSC shall
furnish applicable federal and state regulatory authorities
with any information or reports in connection with its
services under this Agreement which such authorities may
request in order to ascertain whether the LBVIP's operations
are being conducted in a manner consistent with any
applicable law or regulation.
(b) In the case of a written customer complaint, LBSC and LBVIP
will cooperate in investigating such complaint and any
response to such complaint will be sent to the other party to
this Agreement for approval not less than five business days
prior to its being sent to the customer or regulatory
authority, except that if a more prompt response is required,
the proposed response shall be communicated by telephone or
telegraph.
9. TERMINATION
This Agreement shall terminate automatically upon its assignment
by either party without the prior written consent of both parties.
This Agreement may be terminated at any time by either party on
60 days' written notice to the other party, without the payment of
any penalty. Upon termination of this Agreement all
authorizations, rights and obligations shall cease except the
obligation to settle accounts hereunder, including commissions on
premiums subsequently received for Contracts in effect at time of
termination, and the agreements contained in paragraph 8 hereof.
10. REGULATION
This Agreement shall be subject to the provisions of the 1933 Act,
the 1940 Act and the Securities Exchange Act and the rules,
regulations and rulings promulgated thereunder and of the
applicable rules and regulations of the NASD, from time to time in
effect, and the terms hereof shall be interpreted and construed in
accordance therewith.
11. SEVERABILITY
If any provision of this Agreement shall be held or made invalid
by a court decision, statute, rule or otherwise, the remainder of
this Agreement shall not be affected thereby.
12. APPLICABLE LAW
This Agreement shall be construed and enforced in accordance with
and governed by the laws of the State of Minnesota.
IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be
duly executed as of the day and year first above written.
LUTHERAN BROTHERHOOD VARIABLE INSURANCE
PRODUCTS COMPANY
By
-------------------------------------
LUTHERAN BROTHERHOOD SECURITIES CORP.
By
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SCHEDULE OF COMMISSION RATES
EXHIBIT I
EXHIBIT IA
LUTHERAN BROTHERHOOD
LUTHERAN BROTHERHOOD VARIABLE INSURANCE PRODUCTS
Minneapolis, Minnesota
Please file in Compensation Section 7, of the DR Planner
THIS PAGE IS INTENTIONALLY BLANK
SCHEDULE OF COMMISSION RATES
TABLE OF CONTENTS
Cover Page and Table of Contents
EXHIBIT I:
I Payment Provisions
II. Life Insurance Contracts (Excluding Flexible Premium Adjustable Life)
A. Permanent
Life; Presidential Plus, Life Paid-Up at 96;
Partners Presidential Plus, Survivor Presidential Plus
B. Renewable and Convertible Term
C. Other Term
Juvenile Protection
III. Life Insurance Riders (Excluding Riders on Flexible Premium
Adjustable Life)
A. Issued with Basic Contract
Renewable and Convertible Term
Other Term: Child Term Life Ins. Benefit
Additional Premium Option (PUA Rider)
B. Issued after Basic Contract
Renewable and Convertible Term
Other Term: Child Term Life Ins. Benefit
Additional Premium Option (PUA Rider)
IV. Flexible Premium Adjustable Life (UL) - Series I
A. 1st Year Commission
B. Service Commission
C. Special Renewal Commission
D. Increase Commission per $1,000
E. Cost of Living Increase Commission per $1,000
F. Riders Added After Issue Commission per $1,000
V. Flexible Premium Adjustable Life (UL) - Series II
A. 1st Year Commission
B. Service Commission
C. Renewal Commission per $1,000
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
3. Spouse Insurance Benefit
D. Increase Commission per $1,000
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
E. Cost of Living Increase Commission per $1,000
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
F. Riders Increased/Added After Issue Commission per $1,000
VI. Flexible Premium Adjustable Life Series (UL) - III, IV and
Juvenile-Issue
A. 1st Year Commission
B. Additional Commission (Based on Premium)
C. Renewal Commission per $1,000 of face amount
1. Face Amount Less Than $250,000 and Juvenile-Issue
2. Face Amount More Than $249,999 and Less Than $500,000
3. Face Amount More Than $499,000
4. Spouse Insurance Benefit
D. Increase Commission per $1,000
1. Face Amount Less Than $250,000 and Juvenile-Issue
2. Face Amount More Than $249,999 and Less Than $500,000
3. Face Amount More Than $499,000
E. Cost of Living Increase Commission per $1,000
1. Face Amount Less Than $250,000 and Juvenile-Issue
2. Face Amount More Than $249,999 and Less Than $500,000
3. Face Amount More Than $499,999
F. Riders Increased/Issued After Basic Contract
VII. Flexible Premium Variable Life (VUL)
A. 1st Year Commission
B. Additional Commission (Based on Premium)
C. Renewal Commission per $1,000 of face amount
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
3. Spouse Insurance Benefit
D. Increase Commission per $1,000
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
E. Cost of Living Increase Commission per $1,000
1. Face Amount Less Than $250,000
2. Face Amount More Than $249,999
F. Riders Increased/Issued After Basic Contract
VIII. Annuity Contracts
A. Single Premium
B. Flexible Premium Deferred Annuity '89
Variable Annuity
C. Flexible Premium Deferred Annuity - TSA Qualified
D. FPDA other than FPDA '89 - Nonqualified
IX. Health Insurance
A. Contracts
B. Riders
X. Supplemental Benefits
XI. Settlement Options
EXHIBIT IA: Target Premiums
I. Flexible Premium Adjustable Life - Series II
A. Face Amount Less Than $250,000
B. Face Amount More Than $249,999
II. Flexible Premium Adjustable Life - Series III, IV and Juvenile-Issue
A. Face Amount Less Than $250,000 and Juvenile-Issue
B. Face Amount More Than $249,000 and Less Than $500,000
C. Face Amount More Than $499,999
III. Riders and Supplemental Benefits
IV. Special Class
V. Flexible Premium Variable Life Insurance Riders
Amendments
[BLANK PAGE]
SCHEDULE OF COMMISSION RATES
EXHIBIT I
I. PAYMENT PROVISIONS
A. First Year Commissions, Renewal Commissions, Increase Commissions,
Rider Commissions and for Flexible Premium Variable Life contracts
written on or after June 1, 1990, Rollover Commissions are payable
to the Representative* who sold the coverage.
B. Service Commissions, Special Service Commissions, Rollover
Commissions for all products except Flexible Premium Variable Life
(VUL) written after June 1, 1990, and Cost of Living Increase
Commissions are payable to the Representative* who is assigned to
service the contract at the time the commission is payable.
C. FREQUENCY OF COMMISSION PAYMENTS
Commissions will be paid at the same frequency as the related
premiums are paid except
1) First Year Commissions that are expressed as a percent of
premiums and all Increase Commissions on contracts for which
premiums are paid by Pre-Authorized Collection will be
annualized and payable when the contract is issued or increased;
except that the additional 3% of all premium paid on Flexible
Premium Adjustable Life and Flexible Premium Variable Life and
the First Year Commissions on Flexible Premium Annuity and
Variable Annuity contracts paid by Pre-Authorized Collection
will not be annualized.
2) Renewal Commissions which are expressed as an amount per $1,000
will be paid monthly.
D. Recovery of Commissions Previously Paid
1) If the Society returns all or any portion of a premium payment,
any commissions paid to the Representative* on this premium
shall be repaid to the Society and the Society shall have the
right to recover such commission from any compensation
thereafter due and payable to the Representative*.
2) On Flexible Premium Adjustable Life and Flexible Premium
Variable Life Insurance contracts which terminate during the
first contract year, First Year Commission will not exceed the
sum of a) 3% of all premium paid plus b) the pro rata portion
of the First Year Commission based on premium up to target that
would be paid if the contract remained in force for the year.
On Flexible Premium Adjustable Life Insurance Series II, III, IV
and Juvenile-Issue and Flexible Premium Variable Life contracts
which terminate during the first contract year, First Year
Commissions based on premiums up to target will be the product
of the First Year Commission rate and the lesser of
(1) premiums paid and credited on the contract, and
(2) one-twelfth of the Target Premium times the number of full
months the contract remained in force.
First year Commissions paid will be reduced by the amounts, if
any, in excess of those determined above.
E. Contract Changes and Conversions
The Society will determine the amount of compensation and which
Representative* will be paid the compensation on contract changes
(except for the addition of term insurance and health insurance
riders) and conversions, the continuation of Juvenile Term
Insurance contracts and the rollover of Modified Premium Whole Life
contracts. If a contract replaces in whole or in part a contract
previously issued by Lutheran Brotherhood or any subsidiary or
affiliate, the Society shall have the right to determine what, if
any, compensation shall be allowed.
F. All variable products will be subject to the vesting provisions of
Section II.C. of the District Representative Agreement.
---------------------------------------
* All references to a Representative include a District Representative
and/or a Registered Representative. An appropriate Registered
Representative license is required before the sale of any variable
product.
II. LIFE INSURANCE CONTRACTS (Excluding Flexible Premium Adjustable Life)
Commissions are a percentage of the premium due and payable on the
basic contract during each contract year (excluding any extra premium
paid for aviation or temporary extra premium).
A. Permanent Life
WHOLE LIFE
(Presidential Plus)
LIFE PAID UP AT 96 Survivor
$50,000 AND OVER Presidential Plus
LIFE* PARTNER XXXX.XXXX (SPLUS)
================ ===================== =====================
Number of
Annual 1st Year 1st Renewal 1st Year 1st Renewal 1st Year 1st Renewal
Premiums Commission Commission Commission Commission Commission Commission
---------- --------- ---------- ---------- ---------- ---------- -----------
45 and over 65 % 17 % 55 % 17 % 50 % 13 %
42-44 65 16.5 55 16.5 50 13
35-41 65 16 55 16 50 13
32-34 65 15.5 55 15.5 47.5 13
30-31 62.5 15.5 53 15.5 45 12.5
27-29 62.5 15 53 15 42.5 12.5
25-26 60 14.5 51 14.5 40 12
23-24 57.5 14.5 49 14.5 40 12
22 55 14.5 47 14.5 40 12
21 52.5 14.5 46 14.5 40 12
20 52.5 14.5 45 14.5 40 12
18-19 50 14 44 14 40 12
17 50 14 43 14 40 12
15-16 47.5 14 41 14 40 12
14 44.5 13.5 39 13.5 40 12
13 42.5 13.5 37 13.5 N/A N/A
12 39 13.5 35 13.5 N/A N/A
11 37 13.5 33 13.5 N/A N/A
10 35 13.5 31 13.5 N/A N/A
9 33 13.0 29 13.0 N/A N/A
8 31 13.0 27 13.0 N/A N/A
7 29 13.0 25 13.0 N/A N/A
6 27 13.0 23 13.0 N/A N/A
5 25 13.0 21 13.0 N/A N/A
*Except as otherwise provided in this schedule.
2ND AND 3RD RENEWAL COMM.: One-half of the 1st Renewal
Commission rate.
4TH RENEWAL COMM.: 5%
5TH, 6TH AND 7TH RENEWAL COMM.: 2%
On any plan other than Survivor Presidential Plus with premium
payable beyond age 85, the number of annual premiums to be paid is
determined as though premiums were payable to age 85.
On a Survivor Presidential Plus plan the number of annual premiums
to be paid is the number of annual premiums payable from the joint
issue age to age 100.
1st Year Renewal
Commission Commissions
---------- -----------
Single Premium Life 3% None
B. Renewable and Convertible Term Insurance Contracts
Commission Rates
Commission Rates for Initial Face Commission Rates
for Initial Face Amount More for Initial Face
Amount Less Than Than $499,999 and Amount More
$500,000 Less Than $1,000,000 Than $999,999
================= ===================== ====================
First First First 1st - 7th First 1st - 7th
Issue Year Renewal Year Renewal Year Renewal
Age Commission Commission Commission Commissions Commission Commissions
---------- --------- ---------- ---------- ---------- ---------- -----------
16-40 45 % 14 % 30 % 10 % 25 % 10 %
41-43 45 13.5 30 10 25 10
44-53 45 13 30 10 25 10
54 43 13 30 10 25 10
55 43 13 28 10 23.5 10
56-58 43 12.5 28 10 23.5 10
59 41.5 12 28 10 23.5 10
60 41.5 12 26 10 21.5 10
61-62 40 12 26 10 21.5 10
63 38.5 12 26 10 21.5 10
64 37 12 26 10 21.5 10
65 37 12 24 10 20 10
66-68 35.5 12 24 10 20 10
69-70 34 12 24 10 20 10
Renewal Commission Rates for Initial Face Amount Less
Than $500,000:
2ND AND 3RD RENEWAL COMM.: One-half of the 1st Renewal
Commission rate.
4TH RENEWAL COMMISSION: 5%
5TH, 6TH AND 7TH RENEWAL COMMISSIONS: 2%
C. Other Term Insurance Contracts
First Year First Renewal
Commission Commission
---------- ----------
Juvenile Protector 45% 14%
At Attained Age 5 At Attained Age 6
----------------- -----------------
JumpStart 45% 14%
2ND AND 3RD RENEWAL COMM.: One-half of the 1st Renewal
Commission rate.
4TH RENEWAL COMMISSION: 5%
5TH, 6TH AND 7TH RENEWAL COMMISSIONS: 2%
III. LIFE INSURANCE RIDERS (Excluding Riders On
Flexible Premium Adjustable Life)
Commissions are a percentage of the premium due and payable on the
rider during the rider year (excluding any extra premium paid for
aviation or temporary extra premium).
A. Riders issued with the basic contract.
RENEWABLE AND CONVERTIBLE TERM INSURANCE RIDER: BASIC AND SPOUSE
Commission Rates
Commission Rates for Initial Face Commission Rates
for Initial Face Amount More for Initial Face
Amount Less Than Than $499,999 and Amount More
$500,000 Less Than $1,000,000 Than $999,999
================ ====================== ==================
First First First 1st - 7th First 1st - 7th
Issue Year Renewal Year Renewal Year Renewal
Age Commission Commission Commission Commissions Commission Commissions
---------- --------- ---------- ---------- ---------- ---------- -----------
16-40 45 % 14 % 30 % 10 % 25 % 10 %
41-43 45 13.5 30 10 25 10
44-53 45 13 30 10 25 10
54 43 13 30 10 25 10
55 43 13 28 10 23.5 10
56-58 43 12.5 28 10 23.5 10
59 41.5 12 28 10 23.5 10
60 41.5 12 26 10 21.5 10
61-62 40 12 26 10 21.5 10
63 38.5 12 26 10 21.5 10
64 37 12 26 10 21.5 10
65 37 12 24 10 20 10
66-68 35.5 12 24 10 20 10
69-70 34 12 24 10 20 10
Issue
Age of First Year First Renewal
Rider Commission Commission
----- ---------- ----------
CHILD TERM LIFE INSURANCE BENEFIT: All Ages 45% 14%
Renewal Commission rates for Renewable and Convertible Term
Insurance Riders with Initial Face Amount Less Than $500,000 and
Child Term Life Insurance Benefit issued with the basic contract:
2ND AND 3RD RENEWAL COMM.: One-half of the 1st Renewal
Commission rate.
4TH RENEWAL COMMISSION: 5%
5TH, 6TH AND 7TH RENEWAL COMMISSIONS: 2%
ADDITIONAL PREMIUM OPTION (PUA RIDER)
The commission is a service commission equal to 3% of all premium
paid and credited by the Society whenever paid and credited.
B. Riders added after issue of the basic contract.
RENEWABLE AND CONVERTIBLE TERM INSURANCE RIDER: BASIC AND SPOUSE
Commission Rates
Commission Rates for Initial Face Commission Rates
for Initial Face Amount More for Initial Face
Amount Less Than Than $499,999 and Amount More
$500,000 Less Than $1,000,000 Than $999,999
================ ====================== ==================
First First First 1st - 7th First 1st - 7th
Issue Year Renewal Year Renewal Year Renewal
Age Commission Commission Commission Commissions Commission Commissions
---------- --------- ---------- ---------- ---------- ---------- -----------
16-53 41.5 % 8 % 27.5 % 9 % 22.5 % 9 %
54 40 8 27.5 9 22.5 9
55-58 40 8 25.5 9 21 9
59 38 8 25.5 9 21 9
60 38 8 23.5 9 19 9
61-62 36.5 8 23.5 9 19 9
63 34.5 8 23.5 9 19 9
64 33 8 23.5 9 19 9
65 33 8 21.5 9 17.5 9
66-68 31.5 8 21.5 9 17.5 9
69-70 30 8 21.5 9 17.5 9
Issue
Age of First Year First Renewal
Rider Commission Commission
----- ---------- ----------
CHILD TERM LIFE
INSURANCE BENEFIT: All Ages 45% 14%
Renewal Commission rates for Renewable and Convertible Term
Insurance Riders with Initial Face Amount less than $500,000, Child
Term Life Insurance Benefit added after the basic contract:
2ND AND 3RD RENEWAL COMM.: One-half of the 1st Renewal
Commission rate.
4TH RENEWAL COMMISSION: 4% except Child Rider. Child Rider = 5%
5TH, 6TH AND 7TH RENEWAL COMMISSIONS: 2%
ADDITIONAL PREMIUM OPTION (PUA RIDER):
The commission is a service commission equal to 3% of the premium
paid to and credited by the Society whenever paid and credited.
IV. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES I
A. First Year Commission
Issue Age Commission Rate
--------- ---------------
0-63 50 %
64-68 47.5
69-70 45
71-72 42.5
73 40
74-75 37.5
First Year Commission is a percentage of all premium paid and
credited in the first contract year up to but not exceeding the
amount required to pay the annual cost of insurance, the cost of
any supplemental benefits and riders issued with the basic contract
and first year loads. Premium paid and credited includes amounts
paid for supplemental benefits and riders issued with the basic
contract.
B. Service Commission
5% of all premium paid and credited whenever paid and credited.
C. Special Renewal Commission
This Commission is payable only upon termination of this Agreement
on or after the Qualified Early Retirement Date or upon termination
of this Agreement due to death as specified in the District
Representative Agreement.
Issue Age Commission Per $1,000*
--------- ----------------------
0-25 $.12
26-50 .24
51-75 .36
* One-twelfth of the Special Renewal Commission is paid monthly on
the portion of the initial face amount remaining in force each
month during the first four renewal years.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IV. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES ICONTINUED
D. Increase Commission per $1,000* of increase in face amount
Attained Male Female Attained Male Female
Age Std. Nsmkr. Std. Nsmkr. Age Std. Nsmkr. Std. Nsmkr.
===========================================================================
0 1.68 1.56 38 2.88 2.52 2.28 2.04
1 1.44 1.32 39 3.12 2.76 2.52 2.16
2 1.20 1.20 40 3.36 2.88 2.64 2.28
3 1.08 1.08 41 3.60 3.00 2.88 2.40
4 .96 .96 42 3.96 3.24 3.12 2.64
5 .84 .84 43 4.32 3.48 3.36 2.76
6 .72 .72 44 4.80 3.72 3.60 3.00
7 .72 .72 45 5.16 3.96 3.84 3.24
8 .72 .72 46 5.64 4.32 4.20 3.48
9 .72 .72 47 6.12 4.68 4.44 3.84
10 .72 .72 48 6.60 5.16 4.80 4.08
11 .84 .72 49 7.08 5.64 5.16 4.44
12 .96 .84 50 7.56 6.00 5.52 4.68
13 1.08 .84 51 8.04 6.36 5.88 4.92
14 1.20 .84 52 8.40 6.72 6.12 5.16
15 1.32 .96 53 8.88 7.08 6.48 5.40
16 1.44 1.08 54 9.36 7.56 6.72 5.76
17 1.44 1.08 55 9.84 7.92 7.08 6.00
18 1.44 1.20 56 10.32 8.40 7.44 6.36
19 1.56 1.32 57 10.92 8.76 7.80 6.60
20 1.56 1.44 1.32 1.08 58 11.52 9.24 8.28 6.96
21 1.56 1.44 1.32 1.20 59 12.12 9.84 8.64 7.32
22 1.56 1.44 1.32 1.20 60 12.72 10.32 9.12 7.80
23 1.68 1.56 1.32 1.32 61 13.32 10.92 9.72 8.40
24 1.68 1.56 1.32 1.32 62 13.92 11.40 10.32 9.00
25 1.68 1.56 1.32 1.32 63 14.52 12.12 11.04 9.72
26 1.68 1.56 1.32 1.32 64 15.12 12.72 11.76 10.44
27 1.80 1.68 1.44 1.32 65 15.84 13.44 12.48 11.16
28 1.92 1.80 1.56 1.44 66 16.68 14.40 13.20 12.00
29 1.92 1.80 1.56 1.44 67 17.52 15.36 14.04 12.72
30 2.04 1.80 1.56 1.44 68 18.48 16.32 14.76 13.56
31 2.16 1.92 1.68 1.56 69 19.20 17.28 15.36 14.28
32 2.16 1.92 1.68 1.56 70 19.68 17.88 15.84 14.76
33 2.16 1.92 1.68 1.56 71 19.44 17.76 15.60 14.64
34 2.28 2.04 1.80 1.68 72 19.32 17.64 15.48 14.64
35 2.40 2.16 1.92 1.80 73 19.08 17.64 15.36 14.64
36 2.52 2.28 2.04 1.90 74 18.84 17.64 15.24 14.64
37 2.76 2.40 2.16 1.92 75 18.72 17.52 15.12 14.52
Age used is attained age of the insured on the effective date of the
increase in face amount of contract or attained age of spouse on the
effective date of the increase in the Spouse Insurance Benefit rider. Std.
includes contracts and riders with increased face amounts having premium
class "Standard" or "Special"; Nsmkr. includes contracts and riders with
increased face amounts having premium class "Nonsmoker" or Nonsmoker
Special".
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IV. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES I
E. Cost of Living Increase Commission per $1,000* of increase in face amount
Attained Male Female Attained Male Female
Age Std. Nsmkr. Std. Nsmkr. Age Std. Nsmkr. Std. Nsmkr.
===========================================================================
1 .48 .36 36 .84 .72 .60 .60
2 .36 .36 37 .96 .84 .72 .60
3 .36 .36 38 .96 .84 .72 .60
4 .24 .24 39 1.08 .96 .84 .72
5 .24 .24 40 1.08 .96 .84 .72
6 .24 .24 41 1.20 .96 .96 .72
7 .24 .24 42 1.32 1.08 .96 .84
8 .24 .24 43 1.44 1.20 1.08 .96
9 .24 .24 44 1.56 1.20 1.20 .96
10 .24 .24 45 1.68 1.32 1.32 1.08
11 .24 .24 46 1.80 1.44 1.44 1.20
12 .36 .24 47 1.92 1.56 1.56 1.32
13 .36 .36 48 2.04 1.68 1.56 1.32
14 .48 .36 49 2.28 1.92 1.68 1.44
15 .48 .36 50 2.52 2.04 1.80 1.56
16 .48 .36 51 2.76 2.16 1.92 1.68
17 .48 .36 52 2.88 2.28 2.04 1.80
18 .48 .48 53 3.00 2.40 2.16 1.80
19 .48 .48 54 3.12 2.52 2.28 1.92
20 .48 .48 .48 .36 55 3.24 2.64 2.40 2.04
21 .48 .48 .48 .36 56 3.48 2.76 2.52 2.16
22 .48 .48 .48 .36 57 3.60 3.00 2.64 2.28
23 .60 .48 .48 .48 58 3.84 3.24 2.76 2.40
24 .60 .48 .48 .48 59 4.08 3.36 2.88 2.52
25 .60 .48 .48 .48 60 4.20 3.48 3.00 2.64
26 .60 .48 .48 .48 61 4.32 3.60 3.12 2.76
27 .72 .60 .48 .48 62 4.32 3.60 3.24 2.76
28 .72 .60 .48 .48 63 4.32 3.60 3.24 2.88
29 .72 .60 .48 .48 64 4.32 3.60 3.36 3.00
30 .72 .60 .48 .48 65 4.32 3.60 3.36 3.00
31 .72 .60 .48 .48 66 4.32 3.72 3.36 3.12
32 .72 .60 .48 .48 67 4.44 3.72 3.48 3.12
33 .84 .72 .60 .60 68 4.44 3.72 3.48 3.12
34 .84 .72 .60 .60 69 4.20 3.60 3.36 3.00
35 .84 .72 .60 .60 70 3.96 3.60 3.12 3.00
* One-twelfth of Cost of Living Increase Commission on the portion of the
increase remaining in force each month after the effective date of the
increase is paid monthly for one year after the effective date of the
increase. Age used is attained age of the insured on the effective
date of the increase in face amount. Std. includes increased face
amounts with premium class "Standard" or "Special"; Nsmkr. includes
increased face amounts with premium class "Nonsmoker" or "Nonsmoker
Special".
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IV. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES I
F. Riders Issued After Basic Contract
Spouse Insurance Benefit Commission per $1,000* of face amount
Issue Male Female Issue Male Female
Age Std. Nsmkr. Std. Nsmkr. Age Std. Nsmkr. Std. Nsmkr.
===========================================================================
18 2.16 1.80 47 9.00 7.08 6.72 5.64
19 2.28 1.80 48 9.84 7.80 7.20 6.12
20 2.28 2.16 1.92 1.68 49 10.56 8.40 7.80 6.60
21 2.28 2.16 1.92 1.80 50 11.28 9.00 8.28 7.08
22 2.40 2.16 2.04 1.80 51 12.00 9.60 8.76 7.44
23 2.40 2.16 2.04 1.80 52 12.60 10.08 9.12 7.80
24 2.52 2.28 2.04 1.92 53 13.32 10.68 9.60 8.16
25 2.52 2.28 2.04 1.92 54 14.04 11.28 10.08 8.64
26 2.64 2.40 2.04 1.92 55 14.76 11.88 10.56 9.00
27 2.64 2.40 2.16 2.04 56 15.60 12.48 11.04 9.48
28 2.76 2.52 2.16 2.04 57 16.32 13.20 11.64 9.84
29 2.88 2.52 2.16 2.04 58 17.28 13.92 12.24 10.32
30 3.00 2.64 2.28 2.16 59 18.12 14.64 12.84 10.92
31 3.12 2.76 2.40 2.28 60 19.08 15.48 13.68 11.64
32 3.24 2.88 2.52 2.28 61 20.04 16.44 14.64 12.60
33 3.36 3.00 2.64 2.40 62 21.12 17.40 15.72 13.68
34 3.48 3.12 2.76 2.52 63 22.20 18.36 16.92 14.88
35 3.60 3.2 2.88 2.64 64 23.28 19.56 18.12 16.08
36 3.84 3.36 3.00 2.76 65 24.48 20.76 19.32 17.28
37 4.08 3.60 3.24 2.88 66 25.80 22.20 20.52 18.60
38 4.32 3.84 3.48 3.12 67 27.36 23.88 21.84 19.92
39 4.68 4.08 3.72 3.24 68 28.80 25.56 23.16 21.24
40 5.04 4.32 3.96 3.48 69 30.24 27.12 24.36 22.56
41 5.52 4.56 4.32 3.72 70 31.44 28.56 25.32 23.64
42 6.00 4.92 4.56 3.96 71 32.52 29.88 26.28 24.72
43 6.48 5.16 4.92 4.20 72 33.48 30.96 27.00 25.56
44 7.08 5.52 5.40 4.44 73 34.20 31.92 27.60 26.28
45 7.68 6.00 5.76 4.80 74 34.56 32.40 27.96 26.76
46 8.40 6.48 6.24 5.16 75 34.68 32.64 28.08 27.00
* One-twelfth of the commission on the portion of the face amount of the
rider remaining in force each month is paid monthly for one year after
the effective date of the rider. Age used is issue age of the spouse.
Std. includes riders issued with premium class "Standard" or
"Special"; Nsmkr. includes riders issued with premium class "Nonsmoker"
or "Nonsmoker Special".
Child Insurance Benefit Commission per $1,000 of face amount
Commission is $2.76 per $1,000. One-twelfth of the commission is paid
monthly.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
A. First Year Commission
First Year Commission is a percentage of all premiums paid and
credited in the first contract year up to but not exceeding the
Target Premium. (Target Premiums are illustrated in Exhibit IA).
Issue Age Commission Rate
--------- ---------------
0-53 52%
54-58 50
59-60 48
61-62 46
63 44
64 43
65 42
66-67 41
68 40
69-70 38
71 36
72 34
73 32
74 30
75 28
B. Service Commission
3% of all premium paid and credited whenever paid and credited.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
C. Renewal Commission per $1,000* of face amount (initial or increase)
1. Basic Contract - Highest Total Face Amount** Less Than $250,000
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.12 0.12 38 0.36 0.36 0.36 0.24
1 0.12 0.12 39 0.36 0.36 0.36 0.24
2 0.12 0.12 40 0.48 0.36 0.36 0.24
3 0.12 0.12 41 0.48 0.36 0.36 0.36
4 0.12 0.12 42 0.48 0.36 0.36 0.36
5 0.12 0.12 43 0.60 0.48 0.48 0.36
6 0.12 0.12 44 0.60 0.48 0.48 0.36
7 0.12 0.12 45 0.60 0.48 0.48 0.36
8 0.12 0.12 46 0.72 0.48 0.48 0.36
9 0.12 0.12 47 0.72 0.48 0.60 0.48
10 0.12 0.12 48 0.84 0.60 0.6 0.48
11 0.12 0.12 49 0.84 0.60 0.60 0.48
12 0.12 0.12 50 0.84 0.60 0.60 0.48
13 0.12 0.12 51 0.96 0.72 0.72 0.60
14 0.12 0.12 52 0.96 0.72 0.72 0.60
15 0.12 0.12 53 1.08 0.84 0.84 0.60
16 0.12 0.12 54 1.20 0.84 0.84 0.72
17 0.12 0.12 55 1.20 0.96 0.84 0.72
18 0.12 0.12 56 1.32 0.96 0.96 0.72
19 0.12 0.12 57 1.44 1.08 0.96 0.84
20 0.12 0.12 0.12 0.12 58 1.44 1.08 1.08 0.84
21 0.24 0.12 0.12 0.12 59 1.56 1.20 1.08 0.96
22 0.24 0.12 0.12 0.12 60 1.68 1.32 1.20 0.96
23 0.24 0.12 0.12 0.12 61 1.80 1.32 1.32 1.08
24 0.24 0.24 0.12 0.12 62 1.80 1.44 1.44 1.20
25 0.24 0.24 0.12 0.12 63 1.92 1.56 1.44 1.32
26 0.24 0.24 0.12 0.12 64 2.04 1.68 1.56 1.32
27 0.24 0.24 0.12 0.12 65 2.16 1.80 1.68 1.44
28 0.24 0.24 0.24 0.12 66 2.28 1.92 1.80 1.56
29 0.24 0.24 0.24 0.12 67 2.40 2.04 1.80 1.68
30 0.24 0.24 0.24 0.12 68 2.52 2.16 1.92 1.80
31 0.24 0.24 0.24 0.24 69 2.64 2.28 2.04 1.80
32 0.24 0.24 0.24 0.24 70 2.76 2.40 2.16 1.92
33 0.24 0.24 0.24 0.24 71 2.88 2.64 2.28 2.04
34 0.24 0.24 0.24 0.24 72 3.12 2.76 2.40 2.16
35 0.36 0.24 0.24 0.24 73 3.24 3.00 2.52 2.28
36 0.36 0.24 0.24 0.24 74 3.48 3.12 2.64 2.40
37 0.36 0.24 0.24 0.24 75 3.60 3.24 2.76 2.64
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first four renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
C. Renewal Commission per $1,000* of face amount (initial or increase)
2. Basic Contract - Highest Total Face Amount** More Than $249,999
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr Smkr. Nsmkr.
===========================================================================
16 0.12 0.12 46 0.48 0.36 0.36 0.36
17 0.12 0.12 47 0.60 0.36 0.36 0.36
18 0.12 0.12 48 0.60 0.48 0.48 0.36
19 0.12 0.12 49 0.60 0.48 0.48 0.36
20 0.12 0.12 0.12 0.12 50 0.72 0.48 0.48 0.36
21 0.12 0.12 0.12 0.12 51 0.72 0.48 0.48 0.36
22 0.12 0.12 0.12 0.12 52 0.84 0.60 0.60 0.48
23 0.12 0.12 0.12 0.12 53 0.84 0.60 0.60 0.48
24 0.12 0.12 0.12 0.12 54 0.84 0.60 0.60 0.48
25 0.12 0.12 0.12 0.12 55 0.96 0.72 0.72 0.60
26 0.12 0.12 0.12 0.12 56 0.96 0.72 0.72 0.60
27 0.12 0.12 0.12 0.12 57 1.08 0.84 0.72 0.60
28 0.24 0.12 0.12 0.12 58 1.20 0.84 0.84 0.72
29 0.24 0.12 0.12 0.12 59 1.20 0.96 0.84 0.72
30 0.24 0.12 0.12 0.12 60 1.32 0.96 0.96 0.72
31 0.24 0.12 0.12 0.12 61 1.32 1.08 0.96 0.84
32 0.24 0.24 0.12 0.12 62 1.44 1.08 1.08 0.96
33 0.24 0.24 0.12 0.12 63 1.56 1.20 1.20 0.96
34 0.24 0.24 0.12 0.12 64 1.56 1.32 1.20 1.08
35 0.24 0.24 0.24 0.12 65 1.68 1.32 1.32 1.08
36 0.24 0.24 0.24 0.12 66 1.80 1.44 1.32 1.20
37 0.24 0.24 0.24 0.24 67 1.80 1.56 1.44 1.32
38 0.24 0.24 0.24 0.24 68 1.92 1.68 1.56 1.32
39 0.36 0.24 0.24 0.24 69 2.04 1.80 1.56 1.44
40 0.36 0.24 0.24 0.24 70 2.16 1.80 1.68 1.44
41 0.36 0.24 0.24 0.24 71 2.28 2.04 1.80 1.56
42 0.36 0.36 0.36 0.24 72 2.40 2.16 1.80 1.68
43 0.48 0.36 0.36 0.24 73 2.52 2.28 1.92 1.80
44 0.48 0.36 0.36 0.24 74 2.64 2.40 2.04 1.92
45 0.48 0.36 0.36 0.24 75 2.76 2.52 2.16 2.04
* One-twelfth of the Renewal Commission on the portion of the initial
face amount or increase in face amount remaining in force each month is
paid monthly during the first four renewal years after issue or
requested increase. Age used is issue age of contract or, for
increases in face amount, attained age of the insured on the effective
date of the increase. Smkr. includes contracts with face
amounts/increased face amounts having premium class "Smoker" or
"Smoker Special"; Nsmkr. includes contracts with face amounts/increased
face amounts having premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
C. Renewal Commission per $1,000* of face amount (initial or increase)
3. Spouse Insurance Benefit
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 0.12 0.00 46 0.24 0.12 0.12 0.12
17 0.12 0.00 47 0.24 0.12 0.24 0.12
18 0.12 0.00 48 0.36 0.12 0.24 0.12
19 0.12 0.00 49 0.36 0.12 0.24 0.12
20 0.12 0.12 0.00 0.00 50 0.36 0.24 0.24 0.12
21 0.12 0.12 0.00 0.00 51 0.36 0.24 0.24 0.12
22 0.12 0.12 0.00 0.00 52 0.48 0.24 0.24 0.24
23 0.12 0.12 0.00 0.00 53 0.48 0.24 0.36 0.24
24 0.12 0.12 0.12 0.00 54 0.48 0.24 0.36 0.24
25 0.12 0.12 0.12 0.00 55 0.60 0.36 0.36 0.24
26 0.12 0.12 0.12 0.00 56 0.60 0.36 0.36 0.24
27 0.12 0.12 0.12 0.00 57 0.72 0.36 0.36 0.24
28 0.12 0.12 0.12 0.00 58 0.72 0.48 0.36 0.24
29 0.12 0.12 0.12 0.00 59 0.84 0.48 0.48 0.24
30 0.12 0.12 0.12 0.00 60 0.84 0.48 0.48 0.36
31 0.12 0.12 0.12 0.00 61 0.96 0.60 0.48 0.36
32 0.12 0.12 0.12 0.00 62 0.96 0.60 0.60 0.36
33 0.12 0.12 0.12 0.12 63 1.08 0.72 0.60 0.48
34 0.12 0.12 0.12 0.12 64 1.08 0.72 0.60 0.48
35 0.12 0.12 0.12 0.12 65 1.20 0.84 0.72 0.48
36 0.12 0.12 0.12 0.12 66 1.32 0.96 0.72 0.60
37 0.12 0.12 0.12 0.12 67 1.44 1.08 0.84 0.60
38 0.12 0.12 0.12 0.12 68 1.56 1.08 0.84 0.72
39 0.12 0.12 0.12 0.12 69 1.68 1.20 0.96 0.72
40 0.12 0.12 0.12 0.12 70 1.80 1.32 0.96 0.84
41 0.12 0.12 0.12 0.12 71 1.92 1.56 1.08 0.96
42 0.24 0.12 0.12 0.12 72 2.04 1.68 1.20 0.96
43 0.24 0.12 0.12 0.12 73 2.28 1.80 1.32 1.08
44 0.24 0.12 0.12 0.12 74 2.40 2.04 1.32 1.20
45 0.24 0.12 0.12 0.12 75 2.64 2.16 1.44 1.20
* One-twelfth of the Renewal Commission on the portion of the initial
rider face amount or increase in rider face amount remaining in force
each month is paid monthly during the first four renewal years after
issue of the rider or increase of the rider. Age used is issue age of
spouse or, for increases in face amount, attained age of the spouse on
the effective date of the increase. Smkr. includes riders with face
amounts/increased face amounts having premium class "Smoker" or
"Smoker Special"; Nsmkr. includes riders with face amounts/increased
face amounts having premium class "Nonsmoker" or Nonsmoker Special".
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
D. Increase Commission per $1,000* of increase in face amount
1. Basic Contract - Highest Total Face Amount** Less Than $250,000
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
0 1.56 1.56 38 5.04 4.08 3.96 3.48
1 1.56 1.56 39 5.28 4.20 4.20 3.72
2 1.56 1.56 40 5.64 4.44 4.44 3.84
3 1.56 1.56 41 6.12 4.80 4.80 4.08
4 1.56 1.56 42 6.72 5.16 5.16 4.32
5 1.56 1.56 43 7.20 5.52 5.52 4.44
6 1.56 1.56 44 7.68 5.76 5.76 4.80
7 1.56 1.56 45 8.28 6.12 6.12 4.92
8 1.56 1.56 46 8.88 6.60 6.60 5.28
9 1.56 1.56 47 9.60 6.96 7.08 5.52
10 1.56 1.56 48 10.20 7.44 7.44 5.88
11 1.68 1.56 49 10.80 7.92 7.92 6.24
12 1.68 1.56 50 11.52 8.40 8.28 6.60
13 1.68 1.68 51 12.36 9.00 8.88 7.08
14 1.80 1.68 52 13.20 9.72 9.60 7.56
15 1.80 1.68 53 14.16 10.32 10.20 8.16
16 1.92 1.68 54 14.52 10.68 10.44 8.28
17 2.04 1.68 55 15.36 11.28 11.04 8.76
18 2.16 1.68 56 16.44 12.24 11.76 9.48
19 2.16 1.80 57 17.52 13.20 12.60 10.20
20 2.28 2.04 1.80 1.56 58 18.60 14.04 13.44 10.92
21 2.40 2.16 1.80 1.68 59 18.84 14.40 13.68 11.04
22 2.52 2.16 1.92 1.80 60 19.92 15.24 14.40 11.76
23 2.52 2.28 2.04 1.80 61 20.16 15.72 14.88 12.36
24 2.64 2.40 2.16 1.92 62 21.36 16.80 15.96 13.44
25 2.76 2.40 2.16 2.04 63 21.48 17.16 16.32 13.92
26 2.88 2.52 2.28 2.04 64 22.08 17.76 16.92 14.52
27 3.00 2.64 2.28 2.16 65 22.56 18.36 17.52 15.24
28 3.00 2.64 2.40 2.16 66 23.28 19.32 18.00 15.84
29 3.24 2.76 2.52 2.28 67 24.48 20.76 18.96 16.92
30 3.36 2.88 2.52 2.28 68 25.20 21.60 19.44 17.52
31 3.48 3.00 2.64 2.40 69 25.08 21.72 19.44 17.52
32 3.60 3.00 2.76 2.52 70 26.28 23.04 20.28 18.48
33 3.72 3.24 2.88 2.64 71 26.40 23.40 20.28 18.72
34 3.84 3.24 3.00 2.64 72 26.28 23.64 20.16 18.72
35 3.96 3.36 3.12 2.76 73 26.16 23.52 20.04 18.60
36 4.32 3.60 3.36 3.00 74 25.80 23.40 19.68 18.48
37 4.56 3.84 3.60 3.24 75 25.20 23.04 19.20 18.12
Age used is attained age of the insured on the effective date of the
requested increase in face amount. Smkr. includes increased face amounts
with premium class "Smoker" or "Smoker Special"; Nsmkr. includes increased
face amounts with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
D. Increase Commission per $1,000* of increase in face amount
2. Basic Contract - Highest Total Face Amount** More Than $249,999
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 1.44 1.20 46 6.84 5.04 5.16 4.08
17 1.56 1.32 47 7.32 5.40 5.40 4.32
18 1.68 1.32 48 7.92 5.76 5.76 4.56
19 1.68 1.32 49 8.40 6.12 6.00 4.80
20 1.80 1.68 1.32 1.20 50 8.88 6.48 6.48 5.04
21 1.92 1.68 1.44 1.20 51 9.60 6.96 6.84 5.40
22 1.92 1.68 1.44 1.32 52 10.20 7.44 7.32 5.88
23 2.04 1.80 1.56 1.44 53 10.92 8.04 7.92 6.24
24 2.16 1.92 1.68 1.44 54 11.16 8.28 8.04 6.48
25 2.16 1.92 1.68 1.56 55 11.88 8.76 8.52 6.84
26 2.28 1.92 1.80 1.68 56 12.72 9.48 9.12 7.32
27 2.28 2.04 1.80 1.68 57 13.56 10.20 9.72 7.92
28 2.40 2.16 1.92 1.68 58 14.40 10.92 10.32 8.40
29 2.52 2.16 1.92 1.80 59 14.62 11.16 10.56 8.52
30 2.52 2.28 2.04 1.80 60 15.36 11.76 11.16 9.12
31 2.64 2.28 2.16 1.92 61 15.60 12.12 11.52 9.60
32 2.76 2.40 2.16 1.92 62 16.44 13.08 12.36 10.32
33 2.88 2.52 2.28 2.04 63 16.68 13.32 12.60 10.80
34 3.00 2.52 2.28 2.16 64 16.92 13.68 12.96 11.16
35 3.12 2.64 2.40 2.16 65 17.40 14.28 13.56 11.76
36 3.36 2.76 2.64 2.28 66 17.88 14.88 13.92 12.24
37 3.60 2.88 2.76 2.52 67 18.84 15.96 14.64 13.08
38 3.84 3.12 3.00 2.64 68 19.56 16.68 15.12 13.56
39 4.08 3.36 3.24 2.88 69 19.08 16.68 14.88 13.44
40 4.32 3.48 3.48 3.00 70 20.04 17.64 15.48 14.16
41 4.80 3.72 3.72 3.12 71 20.52 18.24 15.84 14.52
42 5.16 3.96 3.96 3.36 72 20.16 18.00 15.48 14.28
43 5.52 4.20 4.20 3.48 73 20.04 18.12 15.36 14.28
44 6.00 4.44 4.44 3.72 74 19.80 18.00 15.12 14.16
45 6.36 4.80 4.80 3.84 75 19.32 17.76 14.76 13.92
Age used is attained age of the insured on the effective date of the
requested increase in face amount. Smkr. includes increased face amounts
with premium class "Smoker" or "Smoker Special"; Nsmkr. includes increased
face amounts with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
E. Cost of Living Increase Commission per $1,000* of increase in face amount
1. Highest Total Face Amount** Less Than $250,000 (Band 1)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
0 0.48 0.48 33 1.08 0.96 0.84 0.72
1 0.48 0.48 34 1.08 0.96 0.84 0.72
2 0.48 0.48 35 1.20 0.96 0.84 0.84
3 0.48 0.48 36 1.20 1.08 0.96 0.84
4 0.48 0.48 37 1.32 1.08 1.08 0.96
5 0.48 0.48 38 1.44 1.20 1.08 0.96
6 0.48 0.48 39 1.56 1.20 1.20 1.08
7 0.48 0.48 40 1.56 1.32 1.32 1.08
8 0.48 0.48 41 1.80 1.44 1.44 1.20
9 0.48 0.48 42 1.92 1.44 1.44 1.20
10 0.48 0.48 43 2.04 1.56 1.56 1.32
11 0.48 0.48 44 2.28 1.68 1.68 1.32
12 0.48 0.48 45 2.40 1.80 1.80 1.44
13 0.48 0.48 46 2.52 1.92 1.92 1.56
14 0.48 0.48 47 2.76 2.04 2.04 1.56
15 0.48 0.48 48 2.88 2.16 2.16 1.68
16 0.60 0.48 49 3.12 2.28 2.28 1.80
17 0.60 0.48 50 3.36 2.40 2.40 1.92
18 0.60 0.48 51 3.60 2.64 2.52 2.04
19 0.60 0.48 52 3.84 2.76 2.76 2.16
20 0.72 0.60 0.48 0.48 53 4.08 3.00 2.88 2.28
21 0.72 0.60 0.48 0.48 54 4.20 3.12 3.00 2.40
22 0.72 0.60 0.60 0.48 55 4.44 3.24 3.12 2.52
23 0.72 0.72 0.60 0.48 56 4.68 3.48 3.36 2.76
24 0.72 0.72 0.60 0.60 57 5.04 3.84 3.60 2.88
25 0.84 0.72 0.60 0.60 58 5.40 4.08 3.84 3.12
26 0.84 0.72 0.60 0.60 59 5.40 4.20 3.96 3.24
27 0.84 0.72 0.72 0.60 60 5.76 4.44 4.20 3.36
28 0.84 0.72 0.72 0.60 61 5.88 4.56 4.32 3.60
29 0.96 0.84 0.72 0.60 62 6.12 4.80 4.56 3.84
30 0.96 0.84 0.72 0.72 63 6.24 4.92 4.68 3.96
31 0.96 0.84 0.72 0.72 64 6.36 5.16 4.92 4.20
32 1.08 0.84 0.84 0.72
Age used is attained age of the insured on the effective date of the
increase in face amount. Smkr. includes increased face amounts with premium
class "Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts
with premium class "Nonsmoker" or "Nonsmoker Special.
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
Please note: A COLA increase alone will not trigger a change to the next
higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
E. Cost of Living Increase Commission per $1,000* of increase in face amount
2. Highest Total Face Amount** More Than $249,999 (Band 2)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 0.48 0.36 41 1.32 1.08 1.08 0.84
17 0.48 0.36 42 1.44 1.20 1.20 0.96
18 0.48 0.36 43 1.56 1.20 1.20 0.96
19 0.48 0.36 44 1.68 1.32 1.32 1.08
20 0.48 0.48 0.36 0.36 45 1.80 1.32 1.44 1.08
21 0.48 0.48 0.36 0.36 46 1.92 1.44 1.44 1.20
22 0.60 0.48 0.48 0.36 47 2.16 1.56 1.56 1.20
23 0.60 0.48 0.48 0.36 48 2.28 1.68 1.68 1.32
24 0.60 0.48 0.48 0.48 49 2.40 1.80 1.80 1.44
25 0.60 0.48 0.48 0.48 50 2.52 1.92 1.80 1.44
26 0.60 0.60 0.48 0.48 51 2.76 2.04 1.92 1.56
27 0.72 0.60 0.48 0.48 52 3.00 2.16 2.16 1.68
28 0.72 0.60 0.48 0.48 53 3.12 2.28 2.28 1.80
29 0.72 0.60 0.60 0.48 54 3.24 2.40 2.28 1.80
30 0.72 0.60 0.60 0.48 55 3.36 2.52 2.40 1.92
31 0.72 0.72 0.60 0.48 56 3.60 2.76 2.64 2.16
32 0.84 0.72 0.60 0.60 57 3.84 2.88 2.76 2.28
33 0.84 0.72 0.60 0.60 58 4.08 3.12 3.00 2.40
34 0.84 0.72 0.72 0.60 59 4.20 3.24 3.00 2.40
35 0.84 0.72 0.72 0.60 60 4.44 3.36 3.24 2.64
36 0.96 0.84 0.72 0.72 61 4.56 3.48 3.36 2.76
37 1.08 0.84 0.84 0.72 62 4.80 3.72 3.60 3.00
38 1.08 0.84 0.84 0.72 63 4.80 3.84 3.60 3.12
39 1.20 0.96 0.96 0.84 64 4.92 3.96 3.72 3.24
40 1.20 0.96 0.96 0.84
Age used is attained age of the insured on the effective date of the
increase in face amount. Smkr. includes increased face amounts with premium
class "Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts
with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
Please note: A COLA increase alone will not trigger a change to the next
higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
V. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE -- SERIES II
F. Riders Increased/Issued After Basic Contract
Spouse Insurance Benefit Commission per $1,000* of face amount
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 0.96 0.48 46 3.36 1.92 2.28 1.44
17 0.96 0.48 47 3.60 1.92 2.40 1.68
18 0.96 0.48 48 3.96 2.16 2.52 1.68
19 0.96 0.48 49 4.32 2.16 2.64 1.80
20 1.08 0.84 0.60 0.48 50 4.68 2.40 2.88 1.92
21 1.08 0.84 0.60 0.48 51 5.16 2.52 3.12 2.28
22 1.08 0.84 0.60 0.48 52 5.76 3.00 3.48 2.40
23 1.20 0.84 0.60 0.48 53 6.36 3.36 3.96 2.64
24 1.20 0.84 0.84 0.60 54 6.72 3.60 4.20 2.76
25 1.20 0.84 0.84 0.60 55 7.32 3.96 4.44 3.00
26 1.20 0.84 0.84 0.60 56 7.92 4.44 4.80 3.12
27 1.20 0.84 0.84 0.60 57 8.52 4.92 5.04 3.24
28 1.20 0.84 0.84 0.60 58 9.24 5.28 5.28 3.36
29 1.32 0.96 0.84 0.60 59 9.48 5.52 5.16 3.48
30 1.44 0.96 0.96 0.60 60 10.32 6.24 5.52 3.60
31 1.44 0.96 0.96 0.60 61 10.68 6.72 5.88 3.84
32 1.56 0.96 0.96 0.72 62 11.40 7.32 6.36 4.32
33 1.56 0.96 1.08 0.84 63 11.64 7.68 6.48 4.68
34 1.56 0.96 1.20 0.96 64 12.24 8.16 6.96 5.04
35 1.68 1.08 1.20 0.96 65 12.84 8.76 7.32 5.40
36 1.68 1.08 1.32 0.96 66 13.56 9.48 7.68 5.88
37 1.80 1.08 1.44 1.08 67 14.52 10.44 8.28 6.48
38 1.92 1.20 1.56 1.20 68 15.36 11.28 8.64 6.96
39 2.04 1.20 1.56 1.20 69 15.72 11.76 8.88 7.20
40 2.16 1.32 1.56 1.20 70 17.04 13.08 9.60 7.92
41 2.28 1.32 1.68 1.20 71 17.52 13.56 9.84 8.16
42 2.40 1.44 1.68 1.20 72 17.76 14.04 9.96 8.28
43 2.64 1.56 1.80 1.20 73 18.00 14.52 10.08 8.52
44 2.88 1.68 1.92 1.20 74 18.36 14.88 10.20 8.64
45 3.12 1.68 2.04 1.32 75 18.48 15.36 10.20 8.76
Age used is issue age of the spouse or, for increases in face amount,
attained age of the spouse on the effective date of the increase.
Smkr. includes riders with face amounts/increased face amounts having
premium class "Smoker" or "Smoker Special"; Nsmkr. includes riders with
face amounts/increased face amounts having premium class "Nonsmoker" or
"Nonsmoker Special".
Child Insurance Benefit Commission per $1,000 of face amount
Commission is $3.00 per $1,000.
One-twelfth of the commission is paid monthly.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES III, IV AND
JUVENILE-ISSUE
A. First Year Commission
First Year Commission is a percentage of all premium paid and
credited in the first contract year up to but not exceeding the
Target Premium. (Target Premiums are illustrated in Exhibit IA).
Issue Age Commission Rate
--------- ---------------
0-53 52 %
54-58 50
59-60 48
61-62 46
63 44
64 43
65 42
66-67 41
68 40
69-70 38
71 36
72 34
73 32
74 30
75 28
76 26
77 24.5
78 23
79 21.5
80 20
For contracts issued on or after June 1, 1990, an additional First
Year Commission is 3% of all premium paid and credited whenever
paid and credited during the first year.
B. Additional commission based on premium
1. For contracts issued on or after June 1, 1990, a Renewal
Commission based on premium is paid equal to 3% of all premium
paid and credited whenever paid and credited in contract
year 2 or later.
2. For contracts issued before June 1, 1990, a Service Commission
is paid equal to 3% of all premium paid and credited whenever
paid and credited.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
C. Renewal Commission per $1,000* of face amount (initial or increase)
1. Basic Contract - Highest Total Face Amount** of
Series III and IV Less Than $250,000
(No limit on face amount of Juvenile-Issue contract)
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
0 0.12 0.12 41 0.48 0.36 0.36 0.36
1 0.12 0.12 42 0.48 0.36 0.36 0.36
2 0.12 0.12 43 0.60 0.48 0.48 0.36
3 0.12 0.12 44 0.60 0.48 0.48 0.36
4 0.12 0.12 45 0.60 0.48 0.48 0.36
5 0.12 0.12 46 0.72 0.48 0.48 0.36
6 0.12 0.12 47 0.72 0.48 0.60 0.48
7 0.12 0.12 48 0.72 0.60 0.60 0.48
8 0.12 0.12 49 0.84 0.60 0.60 0.48
9 0.12 0.12 50 0.84 0.60 0.60 0.48
10 0.12 0.12 51 0.96 0.72 0.72 0.60
11 0.12 0.12 52 0.96 0.72 0.72 0.60
12 0.12 0.12 53 1.08 0.72 0.84 0.60
13 0.12 0.12 54 1.20 0.84 0.84 0.72
14 0.12 0.12 55 1.20 0.84 0.84 0.72
15 0.12 0.12 56 1.32 0.96 0.96 0.72
16 0.12 0.12 57 1.44 0.96 0.96 0.84
17 0.12 0.12 58 1.44 1.08 1.08 0.84
18 0.12 0.12 59 1.56 1.20 1.08 0.96
19 0.12 0.12 60 1.68 1.32 1.20 0.96
20 0.12 0.12 0.12 0.12 61 1.80 1.32 2.04 1.08
21 0.24 0.12 0.12 0.12 62 1.80 1.44 1.44 1.20
22 0.24 0.12 0.12 0.12 63 1.92 1.56 1.44 1.32
23 0.24 0.12 0.12 0.12 64 2.04 1.68 1.56 1.32
24 0.24 0.24 0.12 0.12 65 2.16 1.80 1.68 1.44
25 0.24 0.24 0.12 0.12 66 2.28 1.92 1.80 1.56
26 0.24 0.24 0.12 0.12 67 2.40 2.04 1.80 1.68
27 0.24 0.24 0.12 0.12 68 2.52 2.16 1.92 1.80
28 0.24 0.24 0.24 0.12 69 2.64 2.28 2.04 1.80
29 0.24 0.24 0.24 0.12 70 2.76 2.40 2.16 1.92
30 0.24 0.24 0.24 0.12 71 2.88 2.64 2.28 2.04
31 0.24 0.24 0.24 0.24 72 3.12 2.76 2.40 2.16
32 0.24 0.24 0.24 0.24 73 3.24 3.00 2.52 2.28
33 0.24 0.24 0.24 0.24 74 3.48 3.12 2.64 2.40
34 0.24 0.24 0.24 0.24 75 3.60 3.24 2.76 2.64
35 0.36 0.24 0.24 0.24 76 3.72 3.48 2.88 2.76
36 0.36 0.24 0.24 0.24 77 3.96 3.60 3.00 2.88
37 0.36 0.24 0.24 0.24 78 4.08 3.84 3.12 3.00
38 0.36 0.36 0.36 0.24 79 4.32 3.96 3.24 3.12
39 0.36 0.36 0.36 0.24 80 4.44 4.20 3.36 3.24
40 0.48 0.36 0.36 0.24
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first four renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
C. Renewal Commission per $1,000* of face amount (initial or increase)
2. Basic Contract - Highest Total Face Amount**
More Than $249,999 and Less Than $500,000
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
20 0.12 0.12 0.12 0.12 51 0.72 0.48 0.48 0.36
21 0.12 0.12 0.12 0.12 52 0.72 0.60 0.60 0.48
22 0.12 0.12 0.12 0.12 53 0.84 0.60 0.60 0.48
23 0.12 0.12 0.12 0.12 54 0.84 0.60 0.60 0.48
24 0.12 0.12 0.12 0.12 55 0.96 0.72 0.72 0.60
25 0.12 0.12 0.12 0.12 56 0.96 0.72 0.72 0.60
26 0.12 0.12 0.12 0.12 57 1.08 0.84 0.72 0.60
27 0.12 0.12 0.12 0.12 58 1.08 0.84 0.84 0.72
28 0.24 0.12 0.12 0.12 59 1.20 0.96 0.84 0.72
29 0.24 0.12 0.12 0.12 60 1.32 0.96 0.96 0.72
30 0.24 0.12 0.12 0.12 61 1.32 1.08 0.96 0.84
31 0.24 0.12 0.12 0.12 62 1.44 1.08 1.08 0.96
32 0.24 0.24 0.12 0.12 63 1.56 1.20 1.20 0.96
33 0.24 0.24 0.12 0.12 64 1.56 1.32 1.20 1.08
34 0.24 0.24 0.12 0.12 65 1.68 1.32 1.32 1.08
35 0.24 0.24 0.24 0.12 66 1.80 1.44 1.32 1.20
36 0.24 0.24 0.24 0.12 67 1.80 1.56 1.44 1.32
37 0.24 0.24 0.24 0.24 68 1.92 1.68 1.56 1.32
38 0.24 0.24 0.24 0.24 69 2.04 1.80 1.56 1.44
39 0.36 0.24 0.24 0.24 70 2.16 1.80 1.68 1.44
40 0.36 0.24 0.24 0.24 71 2.28 2.04 1.80 1.56
41 0.36 0.24 0.24 0.24 72 2.40 2.16 1.80 1.68
42 0.36 0.36 0.36 0.24 73 2.52 2.28 1.92 1.80
43 0.48 0.36 0.36 0.24 74 2.64 2.40 2.04 1.92
44 0.48 0.36 0.36 0.24 75 2.76 2.52 2.16 2.04
45 0.48 0.36 0.36 0.24 76 2.88 2.64 2.16 2.04
46 0.48 0.36 0.36 0.36 77 3.00 2.76 2.28 2.16
47 0.60 0.36 0.36 0.36 78 3.12 3.00 2.40 2.28
48 0.60 0.48 0.48 0.36 79 3.24 3.12 2.52 2.40
49 0.60 0.48 0.48 0.36 80 3.48 3.24 2.64 2.52
50 0.72 0.48 0.48 0.36
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first four renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
C. Renewal Commission per $1,000* of face amount (initial or increase)
3. Basic Contract - Highest Total Face Amount** More Than $499,999
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
20 0.12 0.12 0.12 0.12 51 0.48 0.36 0.36 0.24
21 0.12 0.12 0.12 0.12 52 0.48 0.36 0.36 0.36
22 0.12 0.12 0.12 0.12 53 0.60 0.36 0.36 0.36
23 0.12 0.12 0.12 0.12 54 0.60 0.48 0.48 0.36
24 0.12 0.12 0.12 0.12 55 0.60 0.48 0.48 0.36
25 0.12 0.12 0.12 0.12 56 0.72 0.48 0.48 0.36
26 0.12 0.12 0.12 0.12 57 0.72 0.60 0.48 0.48
27 0.12 0.12 0.12 0.12 58 0.84 0.60 0.60 0.48
28 0.12 0.12 0.12 0.12 59 0.84 0.60 0.60 0.48
29 0.12 0.12 0.12 0.12 60 0.96 0.72 0.60 0.48
30 0.12 0.12 0.12 0.12 61 0.96 0.72 0.72 0.60
31 0.12 0.12 0.12 0.12 62 0.96 0.84 0.72 0.60
32 0.12 0.12 0.12 0.12 63 1.08 0.84 0.84 0.72
33 0.12 0.12 0.12 0.12 64 1.08 0.96 0.84 0.72
34 0.12 0.12 0.12 0.12 65 1.20 0.96 0.96 0.84
35 0.12 0.12 0.12 0.12 66 1.20 1.08 0.96 0.84
36 0.12 0.12 0.12 0.12 67 1.32 1.08 0.96 0.96
37 0.24 0.12 0.12 0.12 68 1.32 1.20 1.08 0.96
38 0.24 0.12 0.12 0.12 69 1.44 1.20 1.08 0.96
39 0.24 0.12 0.12 0.12 70 1.56 1.32 1.20 1.08
40 0.24 0.24 0.12 0.12 71 1.68 1.44 1.20 1.20
41 0.24 0.24 0.24 0.12 72 1.80 1.56 1.32 1.20
42 0.24 0.24 0.24 0.12 73 1.92 1.68 1.44 1.32
43 0.24 0.24 0.24 0.24 74 2.04 1.80 1.56 1.44
44 0.36 0.24 0.24 0.24 75 2.16 2.04 1.68 1.56
45 0.36 0.24 0.24 0.24 76 2.28 2.16 1.80 1.68
46 0.36 0.24 0.24 0.24 77 2.40 2.28 1.92 1.80
47 0.36 0.24 0.24 0.24 78 2.64 2.40 1.92 1.92
48 0.36 0.24 0.24 0.24 79 2.76 2.52 2.04 1.92
49 0.48 0.36 0.36 0.24 80 2.88 2.64 2.16 2.04
50 0.48 0.36 0.36 0.24
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first four renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
C. Renewal Commission per $1,000* of face amount (initial or increase)
4. Spouse Insurance Benefit
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 0.00 0.00 49 0.24 0.12 0.12 0.12
17 0.00 0.00 50 0.36 0.24 0.24 0.12
18 0.12 0.00 51 0.36 0.24 0.24 0.12
19 0.12 0.00 52 0.36 0.24 0.24 0.12
20 0.12 0.00 0.00 0.00 53 0.36 0.24 0.24 0.12
21 0.12 0.00 0.00 0.00 54 0.48 0.24 0.24 0.12
22 0.12 0.00 0.00 0.00 55 0.48 0.24 0.24 0.12
23 0.12 0.00 0.00 0.00 56 0.48 0.24 0.24 0.24
24 0.12 0.00 0.00 0.00 57 0.60 0.36 0.24 0.24
25 0.12 0.00 0.00 0.00 58 0.60 0.36 0.36 0.24
26 0.12 0.00 0.00 0.00 59 0.60 0.36 0.36 0.24
27 0.12 0.00 0.00 0.00 60 0.72 0.36 0.36 0.24
28 0.12 0.00 0.00 0.00 61 0.72 0.48 0.36 0.24
29 0.12 0.00 0.00 0.00 62 0.84 0.48 0.36 0.24
30 0.12 0.00 0.12 0.00 63 0.84 0.48 0.36 0.24
31 0.12 0.00 0.12 0.00 64 0.84 0.48 0.48 0.36
32 0.12 0.12 0.12 0.00 65 0.96 0.60 0.48 0.36
33 0.12 0.12 0.12 0.00 66 0.96 0.60 0.48 0.36
34 0.12 0.12 0.12 0.00 67 1.08 0.72 0.48 0.36
35 0.12 0.12 0.12 0.00 68 1.20 0.72 0.60 0.36
36 0.12 0.12 0.12 0.00 69 1.32 0.84 0.60 0.48
37 0.12 0.12 0.12 0.12 70 1.44 0.96 0.72 0.48
38 0.12 0.12 0.12 0.12 71 1.56 1.08 0.72 0.60
39 0.12 0.12 0.12 0.12 72 1.68 1.20 0.84 0.60
40 0.12 0.12 0.12 0.12 73 1.80 1.32 0.84 0.72
41 0.12 0.12 0.12 0.12 74 1.92 1.44 0.96 0.72
42 0.24 0.12 0.12 0.12 75 2.16 1.56 0.96 0.84
43 0.24 0.12 0.12 0.12 76 2.52 1.80 1.20 0.84
44 0.24 0.12 0.12 0.12 77 2.76 1.92 1.44 0.96
45 0.24 0.12 0.12 0.12 78 3.00 2.16 1.56 1.08
46 0.24 0.12 0.12 0.12 79 3.24 2.28 1.68 1.20
47 0.24 0.12 0.12 0.12 80 3.48 2.52 1.92 1.44
48 0.24 0.12 0.12 0.12
* The twelfth of the Renewal Commission on the portion of the rider face
amount or increase in rider face amount remaining in force each month is
paid monthly during the first four renewal years after issue of the rider
or increase of the rider. Age used is issue age of spouse or, for
increases in face amount, attained age of the spouse on the effective
date of the increase. Smkr. includes riders with face amounts/increased
face amounts having premium class "Smoker" or "Smoker Special"; includes
riders with face amounts/increased face amounts having premium class
"Nonsmoker" or "Nonsmoker Special".
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
D. Increase Commission per $1,000* of increase in face amount
1. Basic Contract - Highest Total Face Amount** of
Series III and IV Less Than $250,000
(No limit on face amount of Juvenile-Issue contract)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 1.32 1.32 41 6.12 4.80 4.80 4.08
1 1.32 1.32 42 6.60 5.16 5.16 4.32
2 1.32 1.32 43 7.08 5.52 5.52 4.44
3 1.32 1.32 44 7.68 5.76 5.76 4.80
4 1.32 1.32 45 8.28 6.12 6.12 4.92
5 1.32 1.32 46 8.88 6.60 6.60 5.28
6. 1.32 1.32 47 9.48 6.96 7.08 5.52
7. 1.32 1.32 48 9.96 7.44 7.44 5.88
8 1.32 1.32 49 10.56 7.92 7.92 6.24
9 1.32 1.32 50 11.28 8.40 8.28 6.60
10 1.32 1.32 51 12.12 8.88 8.88 7.08
11 1.32 1.32 52 12.96 9.36 9.60 7.56
12 1.44 1.32 53 13.92 9.96 10.20 8.16
13 1.44 1.32 54 14.52 10.20 10.44 8.28
14 1.68 1.44 55 15.36 10.92 11.04 8.76
15 1.80 1.44 56 16.44 11.76 11.76 9.48
16 1.92 1.56 57 17.52 12.60 12.60 10.20
17 2.04 1.68 58 18.60 13.56 13.44 10.92
18 2.16 1.68 59 18.84 14.04 13.68 11.04
19 2.16 1.80 60 19.92 15.24 14.40 11.76
20 2.28 2.04 1.80 1.56 61 20.16 15.72 14.88 12.36
21 2.40 2.16 1.80 1.68 62 21.36 16.80 15.96 13.44
22 2.52 2.16 1.92 1.80 63 21.48 17.16 16.32 13.92
23 2.52 2.28 2.04 1.80 64 22.08 17.76 16.92 14.52
24 2.64 2.40 2.16 1.92 65 22.56 18.36 17.52 15.24
25 2.76 2.40 2.16 2.04 66 23.28 19.32 18.00 15.84
26 2.88 2.52 2.28 2.04 67 24.48 20.76 18.96 16.92
27 3.00 2.64 2.28 2.16 68 25.20 21.60 19.44 17.52
28 3.00 2.64 2.40 2.16 69 25.08 21.72 19.44 17.52
29 3.24 2.76 2.52 2.28 70 26.28 23.04 20.28 18.48
30 3.36 2.88 2.52 2.28 71 26.40 23.40 20.28 18.72
31 3.48 3.00 2.64 2.40 72 26.28 23.64 20.16 18.72
32 3.60 3.00 2.76 2.52 73 26.16 23.52 20.04 18.60
33 3.72 3.24 2.88 2.64 74 25.80 23.40 19.68 18.48
34 3.84 3.24 3.00 2.64 75 25.20 23.04 19.20 18.12
35 3.96 3.36 3.12 2.76 76 24.48 22.56 18.60 17.64
36 4.32 3.60 3.36 3.00 77 24.12 22.32 18.24 17.40
37 4.56 3.84 3.60 3.24 78 23.64 21.96 17.88 17.04
38 5.04 4.08 3.96 3.48 79 22.92 21.48 17.28 16.56
39 5.28 4.20 4.20 3.72 80 22.20 20.88 16.68 16.08
40 5.64 4.44 4.44 3.84
Age used is attained age of the insured on the effective date of the
requested increase in face amount. Smkr. includes increased face amounts
with premium class "Smoker" or "Smoker Special"; Nsmkr. includes increased
face amounts with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
D. Increase Commission per $1,000* of increase in face amount
2. Basic Contract - Highest Total Face Amount**
More Than $249,999 and Less Than $500,000
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 1.80 1.68 1.32 1.20 51 9.36 6.96 6.84 5.40
21 1.92 1.68 1.44 1.20 52 10.08 7.32 7.32 5.88
22 1.92 1.68 1.44 1.32 53 10.80 7.68 7.92 6.24
23 2.04 1.80 1.56 1.44 54 11.16 7.92 8.04 6.48
24 2.16 1.92 1.68 1.44 55 11.88 8.52 8.52 6.84
25 2.16 1.92 1.68 1.56 56 12.72 9.12 9.12 7.32
26 2.28 1.92 1.80 1.68 57 13.56 10.20 9.72 7.92
27 2.28 2.04 1.80 1.68 58 14.40 10.92 10.32 8.40
28 2.40 2.16 1.92 1.68 59 14.52 11.04 10.56 8.52
29 2.52 2.16 1.92 1.80 60 15.36 11.76 11.16 9.12
30 2.52 2.28 2.04 1.80 61 15.60 12.12 11.52 9.60
31 2.64 2.28 2.16 1.92 62 16.44 13.08 12.36 10.32
32 2.76 2.40 2.16 1.92 63 16.68 13.32 12.60 10.80
33 2.88 2.52 2.28 2.04 64 16.92 13.68 12.96 11.16
34 3.00 2.52 2.28 2.16 65 17.40 14.28 13.56 11.76
35 3.12 2.64 2.40 2.16 66 17.88 14.88 13.92 12.24
36 3.36 2.76 2.64 2.28 67 18.84 15.96 14.64 13.08
37 3.60 2.88 2.76 2.52 68 19.56 16.68 15.12 13.56
38 3.84 3.12 3.00 2.64 69 19.08 16.68 14.88 13.44
39 4.08 3.36 3.24 2.88 70 20.04 17.64 15.48 14.16
40 4.32 3.48 3.48 3.00 71 20.52 18.24 15.84 14.52
41 4.80 3.72 3.72 3.12 72 20.16 18.00 15.48 14.28
42 5.16 3.96 3.96 3.36 73 20.04 18.12 15.36 14.28
43 5.52 4.20 4.20 3.48 74 19.80 18.00 15.12 14.16
44 6.00 4.44 4.44 3.72 75 19.32 17.76 14.76 13.92
45 6.36 4.80 4.80 3.84 76 18.84 17.40 14.28 13.56
46 6.84 5.04 5.16 4.08 77 18.60 17.16 14.04 13.44
47 7.20 5.40 5.40 4.32 78 18.24 16.92 13.80 13.20
48 7.68 5.76 5.76 4.56 79 17.64 16.56 13.44 12.84
49 8.28 6.12 6.00 4.80 80 17.16 16.08 12.96 12.48
50 8.76 6.48 5.04
Age used is attained age of the insured on the effective date of the
requested increase in face amount. Smkr. includes increased face amounts
with premium class "Smoker" or "Smoker Special"; Nsmkr. includes increased
face amounts with premium class "Nonsmoker" or "Nonsmoker" or
"Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
D. Increase Commission per $1,000* of increase in face amount
3. Basic Contract - Highest Total Face Amount** More Than $499,999
Attained Male Female Attained Male Female
Age Smkr Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 1.32 1.08 0.96 0.84 51 6.36 4.68 4.68 3.72
21 1.32 1.20 0.96 0.84 52 6.84 5.04 5.04 3.96
22 1.32 1.20 1.08 0.96 53 7.32 5.28 5.28 4.20
23 1.32 1.20 1.08 0.96 54 7.68 5.52 5.52 4.44
24 1.44 1.32 1.20 1.08 55 8.16 5.88 5.88 4.68
25 1.44 1.32 1.20 1.08 56 8.76 6.36 6.24 5.04
26 1.44 1.32 1.20 1.08 57 9.36 6.84 6.72 5.40
27 1.56 1.44 1.32 1.20 58 10.08 7.44 7.20 5.76
28 1.68 1.44 1.32 1.20 59 10.20 7.68 7.32 5.88
29 1.68 1.44 1.32 1.20 60 10.80 8.28 7.80 6.36
30 1.80 1.44 1.32 1.20 61 11.04 8.52 8.04 6.72
31 1.80 1.56 1.44 1.32 62 11.64 9.12 8.64 7.32
32 1.92 1.68 1.44 1.32 63 11.64 9.24 8.88 7.56
33 1.92 1.68 1.44 1.32 64 12.00 9.72 9.24 8.04
34 2.04 1.68 1.56 1.44 65 12.36 10.08 9.60 8.40
35 2.16 1.80 1.68 1.44 66 12.72 10.56 9.84 8.76
36 2.28 1.92 1.80 1.68 67 13.32 11.16 10.32 9.24
37 2.40 2.04 1.92 1.80 68 13.68 11.76 10.56 9.60
38 2.52 2.16 2.04 1.92 69 13.68 11.88 10.68 9.60
39 2.76 2.28 2.16 2.04 70 14.52 12.72 11.16 10.32
40 2.88 2.40 2.28 2.04 71 14.64 13.08 11.28 10.44
41 3.24 2.52 2.52 2.16 72 14.76 13.32 11.40 10.56
42 3.48 2.64 2.64 2.28 73 15.00 13.56 11.52 10.68
43 3.72 2.88 2.88 2.40 74 15.12 13.92 11.64 10.92
44 4.08 3.00 3.12 2.52 75 15.36 14.04 11.64 11.04
45 4.32 3.24 3.24 2.52 76 15.12 13.92 11.52 10.80
46 4.56 3.48 3.48 2.76 77 15.00 13.92 11.40 10.80
47 4.92 3.60 3.72 2.88 78 14.88 13.80 11.28 10.68
48 5.16 3.84 3.84 3.00 79 14.64 13.68 11.04 10.56
49 5.52 4.08 4.08 3.24 80 14.28 13.32 10.80 10.32
50 5.88 4.32 4.32 3.48
Age used is attained age of the insured on the effective date of the
requested increase in face amount. Smkr. includes increased face amounts
with premium class "Smoker" or "Smoker Special"; Nsmkr. includes increased
face amounts with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
E. Cost of Living Increase Commission per $1,000* of increase in face amount
1. Highest Total Face Amount** of
Series III and IV Less Than $250,000 (Band 1)
(No limit on face amount of Juvenile-Issue contract)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.36 0.36 33 1.08 0.96 0.84 0.72
1 0.36 0.36 34 1.08 0.96 0.84 0.72
2 0.36 0.36 35 1.20 0.96 0.96 0.84
3 0.36 0.36 36 1.20 1.08 0.96 0.84
4 0.36 0.36 37 1.32 1.08 1.08 0.96
5 0.36 0.36 38 1.44 1.20 1.08 0.96
6 0.36 0.36 39 1.56 1.20 1.20 1.08
7 0.36 0.36 40 1.68 1.32 1.32 1.08
8 0.36 0.36 41 1.80 1.44 1.44 1.20
9 0.36 0.36 42 1.92 1.44 1.44 1.20
10 0.36 0.36 43 2.04 1.56 1.56 1.32
11 0.36 0.36 44 2.28 1.68 1.68 1.32
12 0.36 0.36 45 2.40 1.80 1.80 1.44
13 0.48 0.36 46 2.52 1.92 1.92 1.56
14 0.48 0.36 47 2.76 2.04 2.04 1.56
15 0.48 0.48 48 2.88 2.16 2.16 1.68
16 0.60 0.48 49 3.00 2.28 2.28 1.80
17 0.60 0.48 50 3.24 2.40 2.40 1.92
18 0.60 0.48 51 3.48 2.52 2.52 2.04
19 0.60 0.48 52 3.72 2.76 2.76 2.16
20 0.72 0.60 0.48 0.48 53 3.96 2.88 2.88 2.40
21 0.72 0.60 0.48 0.48 54 4.20 3.00 3.00 2.40
22 0.72 0.60 0.60 0.48 55 4.44 3.12 3.12 2.52
23 0.72 0.72 0.60 0.48 56 4.68 3.36 3.36 2.76
24 0.72 0.72 0.60 0.60 57 5.04 3.60 3.60 2.88
25 0.84 0.72 0.60 0.60 58 5.40 3.96 3.84 3.12
26 0.84 0.72 0.60 0.60 59 5.40 4.08 3.96 3.24
27 0.84 0.72 0.72 0.60 60 5.76 4.44 4.20 3.36
28 0.84 0.72 0.72 0.60 61 5.88 4.56 4.32 3.60
29 0.96 0.84 0.72 0.60 62 6.12 4.80 4.56 3.84
30 0.96 0.84 0.72 0.72 63 6.24 4.92 4.68 3.96
31 0.96 0.84 0.72 0.72 64 6.36 5.16 4.92 4.20
32 1.08 0.84 0.84 0.72
Age used is attained age of the insured on the effective date of the
increase in face amount. Smkr. includes increased face amounts with premium
class "Smoker" or "Smoker Special"; Nsmkr, includes increased face amounts
with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
Please note: A COLA increase alone will not trigger a change to the
next higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
E. Cost of Living Increase Commission per $1,000* of increase in face amount
2. Highest Total Face Amount** More Than $249,999 and
Less Than $500,000 (Band 2)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 0.48 0.48 0.36 0.36 42 1.44 1.20 1.20 0.96
21 0.60 0.48 0.36 0.36 43 1.56 1.20 1.20 0.96
22 0.60 0.48 0.48 0.36 44 1.68 1.32 1.32 1.08
23 0.60 0.48 0.48 0.36 45 1.80 1.32 1.44 1.08
24 0.60 0.60 0.48 0.48 46 1.92 1.44 1.44 1.20
25 0.60 0.60 0.48 0.48 47 2.04 1.56 1.56 1.20
26 0.60 0.60 0.48 0.48 48 2.28 1.68 1.68 1.32
27 0.72 0.60 0.48 0.48 49 2.40 1.80 1.80 1.44
28 0.72 0.60 0.60 0.48 50 2.52 1.92 1.80 1.44
29 0.72 0.60 0.60 0.48 51 2.76 2.04 2.04 1.56
30 0.72 0.60 0.60 0.48 52 2.88 2.16 2.16 1.68
31 0.72 0.72 0.60 0.60 53 3.12 2.28 2.28 1.80
32 0.84 0.72 0.60 0.60 54 3.24 2.28 2.28 1.80
33 0.84 0.72 0.60 0.60 55 3.36 2.40 2.40 1.92
34 0.84 0.72 0.72 0.60 56 3.60 2.64 2.64 2.16
35 0.96 0.72 0.72 0.60 57 3.84 2.88 2.76 2.28
36 0.96 0.84 0.72 0.72 58 4.08 3.12 3.00 2.40
37 1.08 0.84 0.84 0.72 59 4.20 3.12 3.00 2.40
38 1.08 0.96 0.84 0.72 60 4.44 3.36 3.24 2.64
39 1.20 0.96 0.96 0.84 61 4.56 3.48 3.36 2.76
40 1.32 0.96 0.96 0.84 62 4.80 3.72 3.60 3.00
41 1.32 1.08 1.08 0.96 63 4.80 3.84 3.60 3.12
64 4.92 3.96 3.72 3.24
Age used is attained age of the insured on the effective date of the
increase in face amount. Smkr. includes increased face amounts with premium
class "Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts
with premium class "Nonsmoker" or "Nonsmoker" or Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
Please Note: A COLA increase will not trigger a change to the
next higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
E. Cost of Living Increase Commission per $1,000* of increase in face amount
3. Highest Total Face Amount** More Than $499,999 (Band 3)
Attained Male Female Attained Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 0.36 0.36 0.24 0.24 42 0.96 0.72 0.72 0.60
21 0.36 0.36 0.24 0.24 43 1.08 0.84 0.84 0.72
22 0.36 0.36 0.36 0.24 44 1.20 0.84 0.84 0.72
23 0.36 0.36 0.36 0.24 45 1.20 0.96 0.96 0.72
24 0.36 0.36 0.36 0.36 46 1.32 0.96 0.96 0.84
25 0.36 0.36 0.36 0.36 47 1.44 1.08 1.08 0.84
26 0.48 0.36 0.36 0.36 48 1.44 1.08 1.08 0.84
27 0.48 0.36 0.36 0.36 49 1.56 1.20 1.20 0.96
28 0.48 0.36 0.36 0.36 50 1.68 1.32 1.32 0.96
29 0.48 0.48 0.36 0.36 51 1.80 1.32 1.32 1.08
30 0.48 0.48 0.36 0.36 52 2.04 1.44 1.44 1.20
31 0.48 0.48 0.36 0.36 53 2.16 1.56 1.56 1.20
32 0.60 0.48 0.48 0.36 54 2.16 1.56 1.56 1.32
33 0.60 0.48 0.48 0.36 55 2.40 1.68 1.68 1.32
34 0.60 0.48 0.48 0.36 56 2.52 1.80 1.80 1.44
35 0.60 0.48 0.48 0.48 57 2.76 1.92 1.92 1.56
36 0.60 0.60 0.48 0.48 58 2.88 2.16 2.04 1.68
37 0.72 0.60 0.60 0.48 59 3.00 2.28 2.16 1.68
38 0.72 0.60 0.60 0.60 60 3.12 2.40 2.28 1.80
39 0.84 0.60 0.60 0.60 61 3.12 2.52 2.28 1.92
40 0.84 0.72 0.72 0.60 62 3.36 2.64 2.52 2.16
41 0.96 0.72 0.72 0.60 63 3.36 2.64 2.52 2.16
64 3.48 2.76 2.64 2.28
Age used is attained age of the insured on the effective date of the
increase in face amount. Smkr. includes increased face amounts with premium
class "Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts
with premium class "Nonsmoker" or "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the total Face Amount after a requested increase.
Please note: A COLA increase alone will not trigger a change to the
next higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VI. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
F. Riders Increased/Issued after Basic Contract
Spouse Insurance Benefit Commission per $1,000* of face amount
Male Female Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
16 0.60 0.36 49 3.60 2.28 2.28 1.68
17 0.72 0.36 50 3.96 2.40 2.40 1.80
18 0.84 0.36 51 4.32 2.52 2.64 1.80
19 0.84 0.48 52 4.80 2.64 2.88 1.92
20 0.96 0.60 0.48 0.36 53 5.28 2.88 3.12 2.04
21 0.96 0.60 0.48 0.36 54 5.52 3.00 3.12 2.04
22 0.96 0.60 0.48 0.48 55 6.12 3.36 3.36 2.16
23 0.96 0.72 0.48 0.48 56 6.60 3.60 3.48 2.28
24 0.96 0.72 0.48 0.48 57 6.96 3.84 3.72 2.40
25 0.96 0.72 0.48 0.48 58 7.56 4.20 3.96 2.64
26 1.08 0.72 0.60 0.48 59 7.80 4.32 3.96 2.64
27 1.08 0.72 0.60 0.48 60 8.28 4.68 4.08 2.76
28 1.08 0.72 0.60 0.48 61 8.40 4.92 4.20 2.76
29 1.08 0.72 0.72 0.48 62 9.00 5.28 4.56 3.12
30 1.08 0.72 0.84 0.48 63 9.00 5.28 4.56 3.12
31 1.20 0.72 0.84 0.48 64 9.36 5.52 4.80 3.36
32 1.20 0.84 0.84 0.60 65 9.72 5.76 4.92 3.48
33 1.32 0.84 0.96 0.60 66 10.20 6.24 5.04 3.60
34 1.44 0.84 0.96 0.60 67 11.16 6.84 5.40 3.96
35 1.56 0.84 1.08 0.60 68 11.88 7.44 5.76 4.20
36 1.56 0.96 1.08 0.72 69 12.24 7.92 5.88 4.44
37 1.68 0.96 1.20 0.84 70 13.32 8.88 6.48 4.92
38 1.80 1.08 1.20 0.84 71 13.68 9.36 6.60 5.28
39 1.92 1.08 1.32 0.84 72 14.16 9.96 6.84 5.40
40 2.16 1.20 1.32 0.96 73 14.52 10.44 6.96 5.64
41 2.28 1.20 1.56 0.96 74 14.76 10.80 6.96 5.76
42 2.40 1.32 1.68 1.08 75 15.00 11.16 6.96 5.76
43 2.52 1.56 1.80 1.20 76 16.56 11.40 8.16 5.76
44 2.64 1.56 1.80 1.20 77 16.92 11.88 8.52 6.00
45 2.88 1.68 1.92 1.32 78 17.16 12.24 8.88 6.24
46 3.00 1.92 2.16 1.44 79 17.28 12.48 9.12 6.60
47 3.24 1.92 2.16 1.56 80 17.28 12.72 9.36 6.96
48 3.36 2.16 2.28 1.56
Age used is issue age of the spouse or, for increases in face amount,
attained age of the spouse on the effective date of the increase. Smkr.
includes riders issued with face amounts/increased face amounts having
premium class "Smoker" or "Smoker Special"; Nsmkr. includes riders with face
amounts/increased face amounts having premium class "Nonsmoker" or
"Nonsmoker Special".
Child Insurance Benefit Commission per $1,000 of face amount
Commission is $3.00 per $1,000. One-twelfth of the commission is
paid monthly.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
A. First Year Commission
1. First year commission is a percentage of all premiums paid and
credited in the first contract year up to but not exceeding the
Target Premium.*
Commission Rate for Initial
Face Amount Less than Commission Rate
$250,000; Spouse and Child for Initial Face
Riders Issued with the Amount Greater
Issue Age** Basic Contract Than $249,999
--------- -------------- -------------
0-51 47 % 40 %
52-53 47 39
54-55 45 38
56-57 45 37
58-59 45 36
60 45 35
61 43 35
62 43 34
63 41 34
64-65 41 33
66-67 40 32
68 39 31
69 37 30
70 36 29
71 34 28
72 32 27
73 30 26
74 28 25
75 27 24
76 25.5 22
77 24 20.5
78 22.5 19
79 21.5 17.5
80 20 16
* The total Target Premium is equal to the initial Death Benefit
Guarantee Premium for the contract excluding any extra premium paid
for aviation or temporary extra premium. Target Premiums for the
rider coverages are found in Exhibit IA. The Target Premium that
is apportioned to the basic coverage is the total Target Premium
less any rider Target Premium.
** Issue Age is the issue age of the insured for the basic coverage;
the age at issue of the spouse for the spouse rider.
2. For contracts issued on or after June 1, 1990, an additional
First Year Commission is 3% of all premium paid and credited in
the first contract year.
B. Additional commission based on premium
1. For contracts issued on or after June 1, 1990, a Renewal
Commission based on premium is paid equal to 3% of all premium
paid and credited whenever paid and credited in contract year
two or later.
2. For contracts issued before June 1, 1990, a Service Commission
is paid equal to 3% of all premium paid and credited whenever
paid and credited.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
C. Renewal Commissions per $1,000* of Face Amount (Initial or Increase)
1. Basic Contract - Highest Total Face Amount** Less Than $250,000
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.24 0.12 41 0.96 0.72 0.60 0.48
1 0.24 0.12 42 1.08 0.72 0.60 0.48
2 0.24 0.12 43 1.08 0.72 0.72 0.48
3 0.24 0.12 44 1.20 0.84 0.72 0.60
4 0.24 0.12 45 1.32 0.84 0.72 0.60
5 0.24 0.12 46 1.32 0.96 0.84 0.60
6 0.24 0.12 47 1.44 0.96 0.84 0.72
7 0.24 0.12 48 1.56 1.08 0.84 0.72
8 0.24 0.24 49 1.68 1.20 0.96 0.72
9 0.24 0.24 50 1.68 1.20 0.96 0.72
10 0.36 0.24 51 1.80 1.32 1.08 0.84
11 0.36 0.24 52 1.92 1.32 1.08 0.84
12 0.36 0.24 53 2.04 1.44 1.20 0.96
13 0.36 0.24 54 2.16 1.56 1.20 0.96
14 0.36 0.24 55 2.28 1.68 1.32 1.08
15 0.36 0.24 56 2.40 1.80 1.32 1.08
16 0.36 0.24 57 2.52 1.92 1.44 1.20
17 0.36 0.24 58 2.64 2.04 1.44 1.20
18 0.36 0.24 59 2.88 2.28 1.56 1.32
19 0.48 0.24 60 3.00 2.40 1.68 1.44
20 0.48 0.36 0.24 0.24 61 3.24 2.52 1.80 1.56
21 0.48 0.36 0.24 0.24 62 3.36 2.64 1.92 1.56
22 0.48 0.36 0.36 0.24 63 3.60 2.88 1.92 1.68
23 0.48 0.36 0.36 0.24 64 3.84 3.12 2.16 1.80
24 0.48 0.36 0.36 0.24 65 3.96 3.24 2.16 1.92
25 0.48 0.36 0.36 0.24 66 4.20 3.36 2.28 2.04
26 0.48 0.36 0.36 0.24 67 4.56 3.72 2.52 2.28
27 0.60 0.36 0.36 0.24 68 4.68 3.84 2.64 2.40
28 0.60 0.36 0.36 0.24 69 4.92 4.08 2.76 2.52
29 0.60 0.36 0.36 0.24 70 5.28 4.44 3.00 2.76
30 0.60 0.36 0.36 0.36 71 5.64 4.68 3.12 2.88
31 0.60 0.48 0.48 0.36 72 5.88 5.04 3.36 3.00
32 0.72 0.48 0.48 0.36 73 6.36 5.40 3.60 3.36
33 0.72 0.48 0.48 0.36 74 6.60 5.64 3.84 3.48
34 0.72 0.48 0.48 0.36 75 6.96 6.00 3.96 3.72
35 0.72 0.48 0.48 0.36 76 7.32 6.36 4.20 3.96
36 0.84 0.48 0.48 0.36 77 7.68 6.72 4.44 4.20
37 0.84 0.60 0.48 0.36 78 8.04 6.96 4.68 4.44
38 0.84 0.60 0.60 0.36 79 8.40 7.32 4.92 4.68
39 0.84 0.60 0.60 0.48 80 8.76 7.68 5.16 4.92
40 0.96 0.60 0.60 0.48
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first two renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special". Std. includes
contracts with face amounts/increased face amounts having premium class
"Standard" or "Standard Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
C. Renewal Commissions per $1,000* of Face Amount (Initial or Increase)
2. Basic Contract - Highest Total Face Amount** More Than $249,999
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.24 0.12 41 0.84 0.60 0.48 0.36
1 0.24 0.12 42 0.84 0.60 0.48 0.36
2 0.24 0.12 43 0.96 0.60 0.60 0.48
3 0.24 0.12 44 0.96 0.60 0.60 0.48
4 0.24 0.12 45 1.08 0.72 0.60 0.48
5 0.24 0.12 46 1.08 0.72 0.60 0.48
6 0.24 0.12 47 1.20 0.84 0.72 0.48
7 0.24 0.12 48 1.20 0.84 0.72 0.60
8 0.24 0.12 49 1.32 0.96 0.72 0.60
9 0.24 0.12 50 1.44 0.96 0.84 0.60
10 0.24 0.12 51 1.44 1.08 0.84 0.72
11 0.24 0.12 52 1.56 1.08 0.84 0.72
12 0.24 0.12 53 1.68 1.20 0.96 0.72
13 0.24 0.24 54 1.80 1.32 0.96 0.84
14 0.24 0.24 55 1.92 1.44 1.08 0.84
15 0.36 0.24 56 1.92 1.44 1.08 0.84
16 0.36 0.24 57 2.16 1.56 1.20 0.96
17 0.36 0.24 58 2.16 1.68 1.20 0.96
18 0.36 0.24 59 2.40 1.80 1.32 1.08
19 0.36 0.24 60 2.52 1.92 1.32 1.20
20 0.36 0.24 0.24 0.24 61 2.64 2.04 1.44 1.20
21 0.36 0.24 0.24 0.24 62 2.76 2.16 1.56 1.32
22 0.36 0.24 0.24 0.24 63 2.88 2.28 1.56 1.32
23 0.36 0.24 0.24 0.24 64 3.12 2.52 1.68 1.56
24 0.36 0.24 0.24 0.24 65 3.24 2.64 1.80 1.56
25 0.36 0.24 0.24 0.24 66 3.48 2.76 1.92 1.68
26 0.48 0.24 0.24 0.24 67 3.72 3.00 2.04 1.80
27 0.48 0.36 0.24 0.24 68 3.84 3.24 2.16 1.92
28 0.48 0.36 0.36 0.24 69 4.08 3.36 2.28 2.04
29 0.48 0.36 0.36 0.24 70 4.32 3.60 2.40 2.16
30 0.48 0.36 0.36 0.24 71 4.56 3.84 2.52 2.40
31 0.48 0.36 0.36 0.24 72 4.80 4.08 2.76 2.52
32 0.60 0.36 0.36 0.24 73 5.16 4.44 3.00 2.76
33 0.60 0.36 0.36 0.24 74 5.40 4.68 3.12 2.88
34 0.60 0.36 0.36 0.24 75 5.64 4.92 3.24 3.00
35 0.60 0.36 0.36 0.24 76 6.00 5.16 3.48 3.24
36 0.60 0.48 0.36 0.36 77 6.24 5.40 3.60 3.36
37 0.72 0.48 0.48 0.36 78 6.60 5.76 3.84 3.60
38 0.72 0.48 0.48 0.36 79 6.84 6.00 4.08 3.72
39 0.72 0.48 0.48 0.36 80 7.08 6.24 4.20 3.96
40 0.72 0.48 0.48 0.36
* One-twelfth of the Renewal Commission on the portion of the initial face
amount or increase in face amount remaining in force each month is paid
monthly during the first two renewal years after issue or requested
increase. Age used is issue age of contract or, for increases in face
amount, attained age of the insured on the effective date of the
increase. Smkr. includes contracts with face amounts/increased face
amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes contracts with face amounts/increased face amounts having
premium class "Nonsmoker" or "Nonsmoker Special". Std. includes
contracts with face amounts/increased face amounts having premium class
"Standard" or "Standard Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
C. Renewal Commissions per $1,000* of Face Amount (Initial or Increase)
3. Spouse Insurance Benefit
Male Female Male Female
Std./ Std./ Std./ Std./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
16 0.36 0.24 49 1.68 1.20 0.84 0.72
17 0.36 0.24 50 1.68 1.20 0.96 0.72
18 0.36 0.24 51 1.92 1.32 0.96 0.72
19 0.36 0.24 52 1.92 1.32 0.96 0.84
20 0.48 0.24 0.24 0.24 53 2.16 1.56 1.08 0.84
21 0.48 0.24 0.24 0.24 54 2.16 1.56 1.08 0.84
22 0.48 0.36 0.24 0.24 55 2.40 1.68 1.20 0.96
23 0.48 0.36 0.24 0.24 56 2.52 1.80 1.20 0.96
24 0.48 0.36 0.24 0.24 57 2.64 1.92 1.32 1.08
25 0.48 0.36 0.36 0.24 58 2.76 2.04 1.32 1.08
26 0.48 0.36 0.36 0.24 59 3.00 2.28 1.44 1.20
27 0.48 0.36 0.36 0.24 60 3.12 2.40 1.44 1.32
28 0.60 0.36 0.36 0.24 61 3.24 2.52 1.56 1.32
29 0.60 0.36 0.36 0.24 62 3.60 2.76 1.68 1.44
30 0.60 0.36 0.36 0.24 63 3.72 2.88 1.68 1.56
31 0.60 0.36 0.36 0.24 64 3.84 3.00 1.80 1.56
32 0.60 0.48 0.36 0.36 65 4.20 3.24 1.92 1.68
33 0.72 0.48 0.48 0.36 66 4.32 3.48 2.04 1.80
34 0.72 0.48 0.48 0.36 67 4.56 3.60 2.16 1.92
35 0.72 0.48 0.48 0.36 68 4.92 3.96 2.28 2.16
36 0.72 0.48 0.48 0.36 69 5.16 4.20 2.52 2.16
37 0.84 0.48 0.48 0.36 70 5.40 4.44 2.64 2.40
38 0.84 0.48 0.48 0.36 71 5.76 4.80 2.76 2.52
39 0.84 0.60 0.48 0.36 72 6.12 5.04 3.00 2.76
40 0.96 0.60 0.60 0.48 73 6.36 5.28 3.12 2.88
41 0.96 0.72 0.60 0.48 74 6.84 5.76 3.48 3.24
42 1.08 0.72 0.60 0.48 75 7.44 6.36 3.84 3.60
43 1.20 0.72 0.60 0.48 76 7.80 6.72 4.08 3.84
44 1.20 0.84 0.72 0.48 77 8.16 6.96 4.32 4.08
45 1.32 0.84 0.72 0.60 78 8.52 7.32 4.56 4.32
46 1.32 0.96 0.72 0.60 79 8.76 7.68 4.80 4.56
47 1.44 0.96 0.84 0.60 80 9.12 8.04 5.04 4.80
48 1.56 1.08 0.84 0.60
* One-twelfth of the Renewal Commission on the portion of the initial rider
face amount or increase in rider face amount remaining in force each
month is paid monthly during the first two renewal years after issue of
the rider or increase of the rider. Age used is issue age of spouse or,
for increases in face amount, attained age of the spouse on the effective
date of the increase. Smkr. includes riders with face amounts/increased
face amounts having premium class "Smoker" or "Smoker Special"; Nsmkr.
includes riders with face amounts/increased face amounts/increased face
amounts having premium class "Nonsmoker" or "Nonsmoker Special". Std.
includes riders with face amounts/increased face amounts having premium
class "Standard" or "Standard Special".
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
D. Increase Commissions per $1,000* of Increase in Face Amount
1. Basic Contract - Highest Total Face Amount** Less Than $250,000
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 1.44 1.08 41 6.72 4.56 4.20 3.24
1 1.56 1.08 42 7.08 4.80 4.44 3.36
2 1.56 1.08 43 7.56 5.16 4.68 3.60
3 1.56 1.08 44 7.92 5.40 4.80 3.72
4 1.68 1.08 45 8.52 5.88 5.16 3.96
5 1.68 1.08 46 9.00 6.24 5.40 4.08
6 1.80 1.20 47 9.60 6.72 5.76 4.44
7 1.80 1.20 48 10.08 7.08 6.00 4.68
8 1.92 1.20 49 10.92 7.68 6.36 4.92
9 1.92 1.32 50 11.40 8.04 6.60 5.16
10 2.04 1.32 51 12.24 8.76 7.08 5.64
11 2.16 1.44 52 12.84 9.24 7.32 5.76
12 2.16 1.44 53 13.80 10.08 7.80 6.36
13 2.28 1.56 54 13.80 10.08 7.68 6.24
14 2.40 1.56 55 14.76 11.04 8.28 6.84
15 2.52 1.56 56 15.48 11.52 8.64 7.08
16 2.52 1.68 57 16.56 12.60 9.24 7.68
17 2.64 1.68 58 17.28 13.20 9.60 8.04
18 2.76 1.80 59 18.60 14.40 10.32 8.64
19 2.88 1.80 60 19.44 15.12 10.68 9.12
20 2.88 2.04 1.92 1.44 61 19.92 15.72 11.04 9.48
21 3.00 2.04 1.92 1.56 62 20.88 16.56 11.52 9.96
22 3.12 2.16 2.04 1.56 63 20.88 16.56 11.52 9.96
23 3.24 2.16 2.04 1.68 64 22.32 18.00 12.36 10.80
24 3.36 2.28 2.16 1.68 65 23.40 18.96 12.96 11.40
25 3.48 2.28 2.28 1.68 66 24.00 19.44 13.20 11.64
26 3.60 2.40 2.40 1.80 67 25.68 21.12 14.40 12.72
27 3.72 2.52 2.40 1.92 68 26.40 21.72 14.64 13.08
28 3.84 2.64 2.52 1.92 69 26.28 21.72 14.64 13.08
29 3.96 2.76 2.64 1.92 70 27.48 22.92 15.48 14.04
30 4.20 2.76 2.76 2.04 71 27.24 22.92 15.36 13.92
31 4.32 2.88 2.88 2.04 72 27.00 22.80 15.24 13.92
32 4.56 3.00 2.88 2.16 73 27.12 23.16 15.48 14.28
33 4.68 3.12 3.00 2.28 74 26.64 22.80 15.24 14.04
34 4.80 3.24 3.12 2.40 75 26.88 23.16 15.48 14.40
35 5.04 3.36 3.24 2.40 76 26.64 22.56 15.48 14.28
36 5.28 3.60 3.36 2.52 77 26.28 22.32 15.24 14.28
37 5.52 3.72 3.60 2.64 78 25.68 21.96 15.12 14.04
38 5.76 3.84 3.72 2.76 79 25.68 21.48 15.24 14.04
39 6.00 3.96 3.84 2.88 80 24.96 20.88 14.88 13.92
40 6.24 4.20 3.96 3.00
* One-twelfth of the Increase Commission on the portion of the increase
remaining in force each month is paid monthly for one year after the
effective date of the requested increase in face amount. Age used is
attained age of the insured on the effective date of the increase in face
amount. Smkr. includes increased face amounts with premium class
"Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts with
premium class "Nonsmoker" or "Nonsmoker Special". Std. includes
increased face amounts with premium class "Standard" or
"Standard "Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
D. Increase Commissions per $1,000* of Increase in Face Amount
2. Basic Contract - Highest Total Face Amount** More Than $249,999
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 1.20 0.84 41 5.52 3.72 3.36 2.52
1 1.20 0.84 42 5.76 3.84 3.60 2.64
2 1.20 0.84 43 6.12 4.20 3.72 2.88
3 1.32 0.84 44 6.48 4.32 3.84 3.00
4 1.32 0.96 45 6.96 4.80 4.20 3.12
5 1.44 0.96 46 7.20 5.04 4.32 3.36
6 1.44 0.96 47 7.80 5.52 4.56 3.60
7 1.44 0.96 48 8.16 5.76 4.80 3.72
8 1.56 0.96 49 8.88 6.24 5.04 3.96
9 1.56 1.08 50 9.24 6.60 5.28 4.20
10 1.68 1.08 51 9.96 7.20 5.64 4.56
11 1.68 1.08 52 10.20 7.32 5.76 4.56
12 1.80 1.20 53 10.92 7.92 6.12 4.92
13 1.92 1.20 54 11.04 8.16 6.24 5.04
14 1.92 1.20 55 11.88 8.88 6.60 5.40
15 2.04 1.32 56 12.12 9.12 6.72 5.52
16 2.04 1.32 57 12.96 9.84 7.20 6.00
17 2.16 1.44 58 13.20 10.08 7.32 6.00
18 2.16 1.44 59 14.16 10.92 7.80 6.60
19 2.28 1.44 60 14.40 11.16 7.80 6.72
20 2.40 1.56 1.56 1.20 61 15.48 12.24 8.52 7.32
21 2.40 1.68 1.56 1.20 62 15.72 12.48 8.64 7.44
22 2.52 1.68 1.68 1.20 63 16.56 13.08 9.00 7.80
23 2.64 1.68 1.68 1.32 64 17.16 13.80 9.48 8.28
24 2.64 1.80 1.80 1.32 65 18.00 14.52 9.96 8.76
25 2.76 1.92 1.80 1.44 66 18.36 14.88 10.08 8.88
26 2.88 1.92 1.92 1.44 67 19.68 16.08 10.92 9.72
27 3.00 2.04 1.92 1.44 68 20.04 16.44 11.04 9.96
28 3.12 2.04 2.04 1.56 69 20.40 16.80 11.28 10.08
29 3.24 2.16 2.16 1.56 70 21.12 17.64 11.88 10.68
30 3.36 2.28 2.16 1.68 71 21.48 18.00 12.00 10.92
31 3.48 2.28 2.28 1.68 72 21.72 18.36 12.24 11.16
32 3.60 2.40 2.40 1.68 73 22.44 19.08 12.84 11.76
33 3.84 2.52 2.40 1.80 74 22.68 19.44 12.96 12.00
34 3.96 2.64 2.52 1.92 75 22.80 19.56 13.08 12.12
35 4.08 2.76 2.64 1.92 76 21.96 18.96 12.60 11.76
36 4.32 2.88 2.76 2.04 77 21.36 18.60 12.48 11.52
37 4.44 3.00 2.88 2.16 78 20.76 18.12 12.12 11.28
38 4.68 3.12 3.00 2.16 79 19.92 17.52 11.76 11.04
39 4.80 3.24 3.12 2.28 80 18.96 16.80 11.28 10.56
40 5.04 3.36 3.24 2.40
* One-twelfth of the Increase Commission on the portion of the increase
remaining in force each month is paid monthly for one year after the
effective date of the requested increase in face amount. Age used is
attained age of the insured on the effective date of the increase in face
amount. Smkr. includes increased face amounts with premium class
"Smoker" or "Smoker Special"; Nsmkr. includes increased face amounts with
premium class "Nonsmoker" or "Nonsmoker Special". Std. includes
increased face amounts with premium class "Standard" or
"Standard Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
E. Cost of Living Increase Commissions per $1,000* of
Increase in Face Amount
1. Highest Total Face Amount** Less Than $250,000
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.48 0.36 41 2.16 1.44 1.32 1.08
1 0.48 0.36 42 2.28 1.56 1.44 1.08
2 0.48 0.36 43 2.40 1.68 1.44 1.08
3 0.48 0.36 44 2.52 1.68 1.56 1.20
4 0.48 0.36 45 2.76 1.92 1.68 1.32
5 0.60 0.36 46 2.88 2.04 1.68 1.32
6 0.60 0.36 47 3.12 2.16 1.80 1.44
7 0.60 0.36 48 3.24 2.28 1.92 1.44
8 0.60 0.36 49 3.48 2.40 2.04 1.56
9 0.60 0.36 50 3.60 2.52 2.16 1.68
10 0.72 0.48 51 3.96 2.76 2.28 1.80
11 0.72 0.48 52 4.08 3.00 2.28 1.80
12 0.72 0.48 53 4.44 3.24 2.52 2.04
13 0.72 0.48 54 4.56 3.36 2.52 2.04
14 0.72 0.48 55 4.92 3.72 2.76 2.28
15 0.84 0.48 56 5.16 3.84 2.88 2.40
16 0.84 0.48 57 5.52 4.20 3.12 2.52
17 0.84 0.60 58 5.76 4.44 3.24 2.64
18 0.84 0.60 59 6.24 4.80 3.48 2.88
19 0.96 0.60 60 6.48 5.04 3.60 3.00
20 0.96 0.60 0.60 0.48 61 6.96 5.52 3.84 3.24
21 0.96 0.72 0.60 0.48 62 7.32 5.76 3.96 3.48
22 0.96 0.72 0.60 0.48 63 7.68 6.12 4.20 3.60
23 1.08 0.72 0.72 0.48 64 8.16 6.60 4.56 3.96
24 1.08 0.72 0.72 0.60 65 8.52 6.96 4.68 4.20
25 1.08 0.72 0.72 0.60 66 9.00 7.32 4.92 4.32
26 1.08 0.72 0.72 0.60 67 9.60 7.92 5.40 4.80
27 1.20 0.84 0.72 0.60 68 10.08 8.40 5.64 5.04
28 1.20 0.84 0.84 0.60 69 10.68 8.88 5.88 5.28
29 1.32 0.84 0.84 0.60 70 11.40 9.60 6.48 5.88
30 1.32 0.84 0.84 0.60 71 12.00 10.08 6.72 6.12
31 1.44 0.96 0.96 0.72 72 12.60 10.68 7.08 6.48
32 1.44 0.96 0.96 0.72 73 13.56 11.52 7.80 7.20
33 1.44 0.96 0.96 0.72 74 14.28 12.24 8.16 7.56
34 1.56 1.08 0.96 0.72 75 15.00 12.84 8.64 7.92
35 1.68 1.08 1.08 0.72 76 15.72 13.56 9.12 8.40
36 1.68 1.08 1.08 0.84 77 16.44 14.28 9.60 8.88
37 1.80 1.20 1.08 0.84 78 17.16 15.00 10.08 9.36
38 1.80 1.20 1.20 0.84 79 17.88 15.72 10.56 9.96
39 1.92 1.32 1.20 0.96 80 18.72 16.56 11.16 10.44
40 2.04 1.32 1.32 0.96
* One-twelfth of the Cost of Living Increase Commission on the portion of
the increase remaining in force each month is paid monthly for one year
after the effective date of the increase. Age used is attained age of
the insured on the effective date of the increase in face amount. Smkr.
includes increased face amounts with premium class "Smoker" or
"Smoker Special"; Nsmkr. includes increased face amounts with premium
class "Nonsmoker" or "Nonsmoker Special". Std. includes increased face
amounts with premium class "Standard" or "Standard Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
Please note: A COLA increase alone will not trigger a change to the
next higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
E. Cost of Living Increase Commissions per $1,000* of
Increase in Face Amount
2. Highest Total Face Amount** More Than $249,999
Male Female Male Female
Xxx./ Xxx./ Xxx./ Xxx./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 0.48 0.36 41 2.04 1.44 1.32 0.96
1 0.48 0.36 42 2.16 1.44 1.32 0.96
2 0.48 0.36 43 2.28 1.56 1.44 1.08
3 0.48 0.36 44 2.40 1.68 1.44 1.08
4 0.48 0.36 45 2.64 1.80 1.56 1.20
5 0.48 0.36 46 2.76 1.92 1.68 1.20
6 0.60 0.36 47 2.88 2.04 1.68 1.32
7 0.60 0.36 48 3.12 2.16 1.80 1.44
8 0.60 0.36 49 3.36 2.40 1.92 1.44
9 0.60 0.36 50 3.48 2.52 2.04 1.56
10 0.60 0.36 51 3.72 2.64 2.16 1.68
11 0.60 0.36 52 3.96 2.76 2.16 1.80
12 0.72 0.48 53 4.20 3.12 2.40 1.92
13 0.72 0.48 54 4.32 3.24 2.40 2.04
14 0.72 0.48 55 4.68 3.48 2.64 2.16
15 0.72 0.48 56 4.92 3.72 2.76 2.28
16 0.72 0.48 57 5.28 3.96 2.88 2.40
17 0.84 0.48 58 5.52 4.20 3.00 2.52
18 0.84 0.60 59 5.88 4.56 3.24 2.76
19 0.84 0.60 60 6.24 4.80 3.36 2.88
20 0.84 0.60 0.60 0.48 61 6.60 5.28 3.60 3.12
21 0.96 0.60 0.60 0.48 62 6.96 5.52 3.84 3.24
22 0.96 0.60 0.60 0.48 63 7.32 5.76 3.96 3.48
23 0.96 0.60 0.60 0.48 64 7.80 6.24 4.32 3.72
24 0.96 0.72 0.72 0.48 65 8.16 6.60 4.56 3.96
25 1.08 0.72 0.72 0.48 66 8.64 6.96 4.68 4.20
26 1.08 0.72 0.72 0.60 67 9.24 7.56 5.16 4.56
27 1.08 0.72 0.72 0.60 68 9.72 7.92 5.40 4.80
28 1.20 0.72 0.72 0.60 69 10.20 8.40 5.64 5.04
29 1.20 0.84 0.84 0.60 70 10.92 9.12 6.12 5.52
30 1.32 0.84 0.84 0.60 71 11.52 9.60 6.48 5.88
31 1.32 0.84 0.84 0.60 72 12.12 10.20 6.72 6.12
32 1.32 0.96 0.84 0.60 73 12.96 11.04 7.44 6.84
33 1.44 0.96 0.96 0.72 74 13.56 11.64 7.80 7.20
34 1.44 0.96 0.96 0.72 75 14.28 12.24 8.16 7.56
35 1.56 1.08 0.96 0.72 76 15.00 12.96 8.64 8.04
36 1.56 1.08 1.08 0.72 77 15.60 13.56 9.12 8.52
37 1.68 1.08 1.08 0.84 78 16.32 14.28 9.60 8.88
38 1.80 1.20 1.08 0.84 79 17.04 15.00 10.08 9.36
39 1.80 1.20 1.20 0.84 80 17.88 15.72 10.56 9.96
40 1.92 1.32 1.20 0.96
* One-twelfth of the Cost of Living Increase Commission on the portion of
the increase remaining in force each month is paid monthly for one year
after the effective date of the increase. Age used is attained age of
the insured on the effective date of the increase in face amount. Smkr.
includes increased face amounts with premium class "Smoker" or
"Smoker Special"; Nsmkr. includes increased face amounts with premium
class "Nonsmoker" or "Nonsmoker Special". Std. includes increased face
amounts with premium class "Standard" or "Standard Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a Requested Increase.
Please note: A COLA increase alone will not trigger a change to the
next higher band.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VII. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
F. Riders Increased/Issued After Basic Contract
Spouse Insurance Benefit Commissions per $1,000* of Face Amount
Male Female Male Female
Std./ Std./ Std./ Std./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
16 2.52 1.56 49 11.16 7.68 5.88 4.56
17 2.64 1.56 50 11.64 8.04 6.12 4.80
18 2.76 1.68 51 12.60 8.76 6.48 5.16
19 2.76 1.68 52 13.20 9.24 6.72 5.40
20 2.88 1.92 1.80 1.32 53 14.16 10.08 7.08 5.76
21 3.00 1.92 1.80 1.44 54 14.16 10.20 7.08 5.76
22 3.00 2.04 1.92 1.44 55 15.24 11.04 7.56 6.12
23 3.12 2.04 1.92 1.44 56 15.96 11.64 7.80 6.48
24 3.24 2.16 1.92 1.56 57 17.28 12.72 8.28 6.96
25 3.36 2.16 2.04 1.56 58 18.00 13.32 8.64 7.20
26 3.48 2.28 2.16 1.68 59 19.44 14.64 9.12 7.68
27 3.60 2.40 2.16 1.68 60 20.28 15.36 9.48 8.16
28 3.72 2.40 2.28 1.80 61 20.28 15.48 9.48 8.16
29 3.84 2.52 2.40 1.80 62 21.72 16.80 10.20 8.88
30 4.08 2.64 2.52 1.92 63 21.72 16.80 10.20 8.88
31 4.20 2.76 2.64 1.92 64 22.68 17.76 10.68 9.36
32 4.44 2.88 2.76 2.04 65 24.36 19.20 11.52 10.20
33 4.56 2.88 2.88 2.04 66 24.96 19.80 11.76 10.44
34 4.68 3.00 2.88 2.16 67 26.04 20.76 12.36 11.04
35 4.92 3.12 3.00 2.28 68 27.36 22.08 12.96 11.76
36 5.16 3.36 3.12 2.28 69 27.24 22.08 12.96 11.76
37 5.40 3.48 3.24 2.40 70 27.72 22.56 13.32 12.12
38 5.64 3.60 3.36 2.52 71 28.20 23.28 13.68 12.48
39 6.00 3.84 3.60 2.76 72 27.84 23.04 13.68 12.48
40 6.36 4.08 3.72 2.88 73 27.36 22.80 13.56 12.48
41 6.84 4.56 3.96 3.00 74 27.60 23.28 13.92 12.84
42 7.08 4.68 4.08 3.12 75 28.68 24.48 14.64 13.68
43 7.68 5.16 4.32 3.36 76 28.32 24.36 14.64 13.80
44 8.04 5.40 4.56 3.48 77 27.84 24.00 14.64 13.80
45 8.64 5.76 4.80 3.72 78 27.24 23.52 14.52 13.68
46 9.12 6.12 5.04 3.84 79 27.12 23.52 14.52 13.68
47 9.84 6.60 5.28 4.08 80 26.16 22.92 14.40 13.56
48 10.32 6.96 5.52 4.32
* One-twelfth of the Spouse Insurance Benefit Commission on the portion of
the rider face amount remaining in force each month is paid monthly for
one year after the effective date on increases in face amount of the
rider and on riders issued after the basic contract. Age used is issue
age of the spouse or, for increases in face amount, attained age of the
spouse on the effective date of the increase. Smkr. includes riders with
face amounts/increased face amounts having premium class "Smoker" or
"Smoker Special"; Nsmkr. includes riders with face amounts/increased face
amounts having premium class "Nonsmoker" or "Nonsmoker Special". Std.
includes riders with face amounts/increased face amounts having premium
class "Standard" or "Standard Special".
CHILD INSURANCE BENEFIT COMMISSION PER $1,000 OF FACE AMOUNT
Commission is $2.76 per $1,000. One-twelfth of
the commission is paid monthly.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
VIII. ANNUITY CONTRACTS
A. SINGLE PREMIUM ANNUITY CONTRACTS
First Year Renewal
Commission Commissions
---------- -----------
1. Single Premium Immediate Annuity
a. Life Annuity 2.50% None
b. Fixed Period Installment Annuity
Tier One
(Fixed period: 5-9 yrs.) 1.00% None
Tier Two
(Fixed period: 10-14 yrs.) 1.75 None
Tier Three (Fixed
period: 15 or more yrs.) 2.50 None
2. Single Premium Deferred Annuity 3.00% None
The commission is a percentage of the single premium paid and
credited to the contract.
B. FLEXIBLE PREMIUM DEFERRED ANNUITY '89 CONTRACTS
VARIABLE ANNUITY CONTRACTS
Qualified (other than TSA) and Non-qualified
CONTRACT YEAR 1 SUCCEEDING YEARS
=============== ================
First Year Service
Commission Commission
---------- ----------
3% 3%
The commission is a percentage of all premium paid and credited to
the contract whenever paid and credited.
C. FLEXIBLE PREMIUM DEFERRED ANNUITY CONTRACTS -- TSA QUALIFIED
PRE-FPA '89 QUALIFIED
1. On Rollover Premium
3% of any premiums paid to and credited by the Society which are
transfers of distribution from other tax-qualified plans
(Rollover Premium).
2. On premiums not in excess of the Stipulated Annual Premium or
the premium paid during the first contract year, whichever is
less (excluding Rollover Premium).
CONTRACT YEAR 1 SUCCEEDING YEARS
=============== ==============================
1st Year Renewal Service
Age* Commission Commission Commission
--- ----------- ---------- ----------
0-59 6 Continuous at 1% 1%
60 and up 3 Continuous at 1% 1%
3. On premiums in excess of the Stipulated Annual Premium or the
premium paid in the first contract year, whichever is less
(excluding Rollover Premium).
CONTRACT YEAR 1 SUCCEEDING YEARS
======================== =========================
Special
Renewal Service Service Service
Age* Commission Commission Commission Commission**
--- ---------- ---------- ---------- ----------
0-59 1% 1% 2% 6%
60 and up 1 1 2 3
D. FLEXIBLE PREMIUM DEFERRED ANNUITY CONTRACTS -- NONQUALIFIED
(PRE-FPA '89)
1. On premiums not in excess of the Stipulated Annual Premium or
the premium paid during the first contract year, whichever is
less.
CONTRACT YEAR 1 SUCCEEDING YEARS
=============== ================
1st Year Service
Age* Commission Commission
--- ---------- ----------
0-59 3% 3%
60 and up 3 2
2. On premiums in excess of the Stipulated Annual Premium or the
premium paid in the first contract year, whichever is less.
CONTRACT YEAR 1 SUCCEEDING YEARS
=============== ===============================
Service Service Special Service
Age* Commission Commission Commission**
--- ---------- ---------- ----------
0-59 3% 3% 3%
60 and up 2 2% 3%
* Age of annuitant on contract anniversary prior to date of premium
payment for Service Commission. Age at issue for Renewal
Commission and 1st year Commission.
** Paid in lieu of any other Service Commission on premium paid to
and credited by the Society in a renewal contract year in excess
of the highest total premium paid in any prior contract year.
The total premium paid in the first contract year is the lesser
of the Stipulated Annual Premium and the premiums paid in that
year. Rollover premium is excluded from consideration in all
contract years.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IX. HEALTH INSURANCE
Commissions are a percentage of the premium due and payable on the
coverage during each year (excluding any extra premium paid for
aviation or temporary extra premium).
A. Health Contracts
Disability Income and BOE (1988 Series)
1st - 4th Continuous
Level Premium First Renewal Renewals
Contracts: DI/BOE Year Commission Thereafter
------------------ ---- ---------- ----------
Noncancellable - DI/BOE
Occ Classes 4A, 5A 50 10 3
Occ Classes 1A*, 2A, 3A 45 8 3
Guaranteed Renewable - DI/BOE
Occ Classes 4A, 5A 45 10 3
Occ Classes 1A*, 2A, 3A 40 8 3
*BOE available for Occ. Class 2A through 5A only.
Renewal Continuous
Step Rate First Commission Commission Renewals
Contracts: DI Year Until Step At Step Thereafter
-------------- ---- ---------- ------- ----------
Noncancellable-
All Classes 45 3 35** 3
Guaranteed Renewable-
All Classes 40 3 35** 3
** The commission at the step and the renewal commissions thereafter
are paid to the DR assigned at the time of the step.
THIS PAGE IS
INTENTIONALLY BLANK
THIS PAGE IS
INTENTIONALLY BLANK
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IX. HEALTH INSURANCE
Surrender Value:
Combined DI Contract and SV Rider
---------------------------------
Commissions for the SV product are calculated using Level Premium
Commission rates for the base contract and at least a 3% commission
rate for the surrender value rider. Blended commission rates are
listed below.
Occ. Class 0X,0X Xxx. Class 1A,2A,3A
================ ===================
1st-4th 1st-4th
First Year Renewal First Year Renewal
---------- ------- ---------- -------
Issue
Age NC GR NC&GR NC GR NC&GR
--- -- -- ----- -- -- -----
18-26 37 33 8 33 30 7
27 36 33 8 33 29 7
28 36 32 8 32 29 7
29 35 32 8 32 28 7
30 35 31 8 31 28 7
31 34 31 8 31 28 7
32 34 31 8 31 27 7
33 34 30 8 30 27 7
34 33 30 8 30 27 7
35 33 30 8 30 27 7
36 32 29 8 29 26 7
37 32 29 8 29 26 6
38 31 28 8 28 25 6
39 31 28 8 28 25 6
40 30 27 7 27 24 6
41 29 27 7 27 24 6
42 28 26 7 26 23 6
43 28 25 7 25 23 6
44 27 24 7 24 22 6
45 26 23 7 23 21 6
46 25 23 7 23 20 6
47 24 22 6 22 20 6
48 23 21 6 21 19 6
49 22 20 6 20 18 5
50 21 19 6 19 17 5
51 20 18 6 18 16 5
52 19 17 6 17 16 5
53 18 17 6 17 15 5
54 17 16 6 16 14 5
55 17 15 5 15 14 5
Renewals thereafter are continuous at 3%.
NC = Noncancellable Disability Income
GR = Guaranteed Renewable Disability Income
SV = Surrender Value
SCHEDULE OF COMMISSION RATES
EXHIBIT I
IX. HEALTH INSURANCE
CONTRACT YEAR 1 RENEWAL YEARS
=============== =============================
Continuous***
1st Renewal
First Year Renewal Commissions
Commission Commission Thereafter
---------- ---------- -----------
Disability Income (1980 Series)
Noncancellable -
Occ. Classes 4A,5A 50% l7% 5%
Occ. Classes 3A,2A 45 17 5
Guaranteed Renewable
Occ. Classes 2A,1A 40 10 4
Business Overhead (1980 Series) 45 17 5
Long Term Care (1992 Series)* 35** 5 3
Long Term Care (1990 Series)* 35** 5 5***
Long Term Care (1987 Series) 35 5 5***
Family Hospital
Issue Ages 60 and Under 40 10 4
Issue Age 61 35 10 4
Issue Age 62 30 10 4
Issue Age 63 25 10 4
Issue Age 64 20 10 4
MagniMed
Issue Ages 60 and Under 15 None 7
Issue Age 61 13 None 7
Issue Age 62 11 None 7
Issue Age 63 9 None 7
Issue Age 64 7 None 7
MagniMed ElectaCare
Issue Ages 60 and Under 20 None 5
Issue Age 61 18 None 5
Issue Age 62 15 None 5
Issue Age 63 12 None 5
Issue Age 00 0 Xxxx 0
XxxxxXxx 00 Xxxx Xxxx
InterMed ElectaCare 15 None None
XxxxxxXxx - 83 Series 15 None 5
SupliMed, XxxxxxXxx Plus,
and XxxxxxXxx Premiere 20 None 3
* State variations are given in the Amendment section at the end of
this Schedule.
** The Long Term Care (1992 and 1990 Series) First Year Commission Rate
for issue ages higher than 70 reduces 1% per year until it reaches 21%
at issue age 84. (The first year commission percent = 35-(Issue
Age - 70) for issue ages higher than 70.)
*** Exception: Renewal commissions for Long Term Care (1987 and 1990
Series) are paid through renewal year 4; zero thereafter.
B. Health Insurance Riders
The First Year, Renewal and Service Commission rates for any Health
Insurance riders, except the Maternity Benefit rider, attached to a
Health Insurance contract will be the same as the corresponding
commission rates for the Health Insurance contract. No commission
is paid on the Maternity Benefit rider.
SCHEDULE OF COMMISSION RATES
EXHIBIT I
X. SUPPLEMENTAL BENEFITS
Commission rates for supplemental benefits issued with the basic
contract will be the same as the corresponding commission rates for
the basic contract.
Commission rates for supplemental benefits issued after the basic
contract will be determined by the Society.
XI. SETTLEMENT OPTIONS
The commission is a percentage of the proceeds applied under one of
the following Income Settlement Options.
First Year
Commission
----------
A. Current Life Income Settlement Options 2.50%
B. Non-withdrawable Fixed Period Settlement Options
Tier One (Fixed period: 5 through 9 yrs.) 1.00%
Tier Two (Fixed period: 10 through 14 yrs.) 1.75
Tier Three (Fixed period: 15 or more yrs.) 2.50
No commission is payable on amounts left on Deposit or on amounts
applied under withdrawable Fixed Amount or Fixed Period Settlement
Options.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
I. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES II
A. Basic Contract* - Highest Total Face Amount** Less Than $250,000
Issue Male Female Issue Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
0 3.00 3.00 38 9.60 7.80 7.56 6.60
1 3.00 3.00 39 10.20 8.16 8.04 7.08
2 3.00 3.00 40 10.80 8.64 8.52 7.44
3 3.00 3.00 41 11.76 9.24 9.24 7.80
4 3.00 3.00 42 12.84 9.84 9.84 8.28
5 3.00 3.00 43 13.80 10.56 10.56 8.64
6 3.00 3.00 44 14.88 11.16 11.16 9.12
7 3.00 3.00 45 15.84 11.76 11.88 9.48
8 3.00 3.00 46 17.04 12.60 12.72 10.08
9 3.00 3.00 47 18.36 13.44 13.56 10.68
10 3.00 3.00 48 19.56 14.40 14.28 11.40
11 3.12 3.00 49 20.88 15.24 15.12 12.00
12 3.24 3.00 50 22.08 16.08 15.96 12.60
13 3.24 3.12 51 23.76 17.40 17.16 13.56
14 3.36 3.12 52 25.44 18.72 18.36 14.52
15 3.48 3.12 53 27.24 19.92 19.56 15.60
16 3.72 3.12 54 28.92 21.24 20.76 16.56
17 3.84 3.24 55 30.60 22.56 21.96 17.52
18 4.08 3.24 56 32.76 24.36 23.52 18.96
19 4.20 3.36 57 34.92 26.28 25.20 20.28
20 4.44 3.96 3.36 3.00 58 37.50 28.08 26.76 21.72
21 4.56 4.08 3.48 3.12 59 39.36 30.00 28.44 23.04
22 4.80 4.20 3.72 3.36 60 41.52 31.80 30.00 24.48
23 4.92 4.44 3.84 3.48 61 43.92 34.20 32.28 26.88
24 5.16 4.56 4.08 3.72 62 46.32 36.60 34.68 29.16
25 5.28 4.68 4.20 3.84 63 48.84 39.00 36.96 31.56
26 5.52 4.80 4.32 3.96 64 51.24 41.40 39.36 33.84
27 5.76 5.04 4.44 4.08 65 53.64 43.80 41.64 36.24
28 5.88 5.16 4.68 4.20 66 56.76 47.16 44.04 38.76
29 6.12 5.40 4.80 4.32 67 59.76 50.52 46.32 41.28
30 6.36 5.52 4.92 4.44 68 62.88 53.88 48.72 43.68
31 6.60 5.76 5.16 4.68 69 65.88 57.24 51.00 46.20
32 6.84 5.88 5.40 4.80 70 69.00 60.60 53.40 48.72
33 7.20 6.12 5.52 5.04 71 73.20 64.92 56.40 51.84
34 7.44 6.24 5.76 5.16 72 77.40 69.36 59.40 55.08
35 7.68 6.48 6.00 5.40 73 81.60 73.68 62.52 58.20
36 8.28 6.96 6.48 5.76 74 85.80 78.12 65.52 61.44
37 8.88 7.32 6.96 6.24 75 90.00 82.44 68.52 64.56
* Smkr. includes premium class "Smoker" and "Smoker Special"; Nsmkr.
includes premium class "Nonsmoker" and "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a requested increase.
Add $31.56 per contract to cover the monthly expense.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
I. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE - SERIES II
B. Basic Contract* - Highest Total Face Amount** More Than $249,999
Issue Male Female Issue Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
============================================================================
16 2.88 2.40 46 13.20 9.72 9.84 7.80
17 3.00 2.52 47 14.16 10.44 10.44 8.28
18 3.24 2.52 48 15.12 11.16 11.04 8.88
19 3.24 2.64 49 16.08 11.76 11.64 9.24
20 3.48 3.12 2.64 2.40 50 17.04 12.48 12.36 9.72
21 3.60 3.24 2.76 2.40 51 18.36 13.44 13.20 10.44
22 3.72 3.24 2.88 2.64 52 19.68 14.40 14.16 11.28
23 3.84 3.48 3.00 2.76 53 21.00 15.36 15.12 12.00
24 4.08 3.60 3.24 2.88 54 22.32 16.44 16.08 12.84
25 4.08 3.60 3.24 3.00 55 23.64 17.40 16.92 13.56
26 4.32 3.72 3.36 3.12 56 25.32 18.84 18.12 14.64
27 4.44 3.96 3.48 3.24 57 27.00 20.28 19.44 15.72
28 4.56 4.08 3.60 3.24 58 28.68 21.72 20.64 16.80
29 4.80 4.20 3.72 3.36 59 30.36 23.16 21.96 17.76
30 4.92 4.32 3.84 3.48 60 32.04 24.60 23.16 18.96
31 5.16 4.44 4.08 3.60 61 33.96 26.40 24.96 20.76
32 5.28 4.56 4.20 3.72 62 35.76 28.32 26.88 22.56
33 5.64 4.80 4.32 3.96 63 37.80 30.24 28.56 24.48
34 5.76 4.80 4.44 4.08 64 39.36 31.80 30.24 26.04
35 6.00 5.04 4.68 4.20 65 41.52 33.96 32.28 28.08
36 6.48 5.40 5.04 4.44 66 43.68 36.24 33.84 29.88
37 6.84 5.64 5.40 4.80 67 45.96 38.88 35.64 31.80
38 7.44 6.00 5.88 5.16 68 48.84 41.76 37.80 33.96
39 7.92 6.36 6.24 5.52 69 50.28 43.80 39.00 35.28
40 8.40 6.72 6.60 5.76 70 52.68 46.32 40.80 37.20
41 9.12 7.20 7.20 6.00 71 57.00 50.52 43.92 40.32
42 9.96 7.68 7.68 6.48 72 59.28 53.04 45.48 42.12
43 10.68 8.16 8.16 6.72 73 62.52 56.52 47.88 44.64
44 11.52 8.64 8.64 7.08 74 65.88 60.00 50.28 47.16
45 12.24 9.12 9.24 7.32 75 69.12 63.36 52.68 49.68
* Smkr. includes premium class "Smoker" and "Smoker Special"; Nsmkr.
includes premium class "Nonsmoker" and "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a requested increase.
Add $31.56 per contract to cover the monthly expense.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
II. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV AND JUVENILE-ISSUE
A. Basic Contract* - Highest Total Face Amount** of
Series III and IV Less Than $250,000
(No limit on face amount of Juvenile-Issue Contract)
Issue Male Female Issue Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
0 2.52 2.52 41 11.76 9.24 9.24 7.80
1 2.52 2.52 42 12.72 9.84 9.84 8.28
2 2.52 2.52 43 13.68 10.56 10.56 8.64
3 2.52 2.52 44 14.88 11.16 11.16 9.12
4 2.52 2.52 45 15.84 11.76 11.88 9.48
5 2.52 2.52 46 17.04 12.60 12.72 10.08
6 2.52 2.52 47 18.12 13.44 13.56 10.68
7 2.52 2.52 48 19.20 14.40 14.28 11.40
8 2.52 2.52 49 20.40 15.24 15.12 12.00
9 2.52 2.52 50 21.72 16.08 15.96 12.60
10 2.52 2.52 51 23.28 17.04 17.16 13.56
11 2.64 2.52 52 24.96 18.00 18.36 14.52
12 2.76 2.52 53 26.76 19.20 19.56 15.60
13 2.88 2.64 54 28.92 20.40 20.76 16.56
14 3.12 2.76 55 30.60 21.84 21.96 17.52
15 3.36 2.88 56 32.76 23.40 23.52 18.96
16 3.60 3.00 57 34.92 25.08 25.20 20.28
17 3.84 3.12 58 37.20 27.12 26.76 21.72
18 4.08 3.24 59 39.36 29.28 28.44 23.04
19 4.20 3.36 60 41.52 31.80 30.00 24.48
20 4.44 3.96 3.36 3.00 61 43.92 34.20 32.28 26.88
21 4.56 4.08 3.48 3.12 62 46.32 36.60 34.68 29.16
22 4.80 4.20 3.72 3.36 63 48.84 39.00 36.96 31.56
23 4.92 4.44 3.84 3.48 64 51.24 41.40 39.36 33.84
24 5.16 4.56 4.08 3.72 65 53.64 43.80 41.64 36.24
25 5.28 4.68 4.20 3.84 66 56.76 47.16 44.04 38.76
26 5.52 4.80 4.32 3.96 67 59.76 50.52 46.32 41.28
27 5.76 5.04 4.44 4.08 68 62.88 53.88 48.72 43.68
28 5.88 5.16 4.68 4.20 69 65.88 57.24 51.00 46.20
29 6.12 5.40 4.80 4.32 70 69.00 60.60 53.40 48.72
30 6.36 5.52 4.92 4.44 71 73.20 64.92 56.40 51.84
31 6.60 5.76 5.16 4.68 72 77.40 69.36 59.40 55.08
32 6.84 5.88 5.40 4.80 73 81.60 73.68 62.52 58.20
33 7.20 6.12 5.52 5.04 74 85.80 78.12 65.52 61.44
34 7.44 6.24 5.76 5.16 75 90.00 82.44 68.52 64.56
35 7.68 6.48 6.00 5.40 76 94.20 86.88 71.64 67.80
36 8.28 6.96 6.48 5.76 77 98.40 91.20 74.64 70.92
37 8.88 7.32 6.96 6.24 78 102.60 95.64 77.64 74.16
38 9.60 7.80 7.56 6.60 79 106.80 99.96 80.64 77.28
39 10.20 8.16 8.04 7.08 80 111.00 104.28 83.64 80.40
40 10.80 8.64 8.52 7.44
* Smkr. includes premium class "Smoker" and "Smoker Special"; Nsmkr.
includes premium class "Nonsmoker" and "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a requested increase.
Add $22.08 per Juvenile-Issue contract and $28.32 per "Series III or IV"
contract to cover the monthly administrative charge.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
II. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
B. Basic Contract* - Highest Total Face Amount** More
Than $249,999 and Less Than $500,000
Issue Male Female Issue Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 3.48 3.12 2.64 2.40 51 18.00 13.32 13.20 10.44
21 3.60 3.24 2.76 2.40 52 19.32 14.04 14.16 11.28
22 3.72 3.24 2.88 2.64 53 20.76 14.88 15.12 12.00
23 3.84 3.48 3.00 2.76 54 22.20 15.84 16.08 12.84
24 4.08 3.60 3.24 2.88 55 23.64 16.92 16.92 13.56
25 4.08 3.60 3.24 3.00 56 25.32 18.24 18.12 14.64
26 4.32 3.72 3.36 3.12 57 27.00 20.28 19.44 15.72
27 4.44 3.96 3.48 3.24 58 28.68 21.72 20.64 16.80
28 4.56 4.08 3.60 3.24 59 30.36 22.92 21.96 17.76
29 4.80 4.20 3.72 3.36 60 32.04 24.60 23.16 18.96
30 4.92 4.32 3.84 3.48 61 33.96 26.40 24.96 20.76
31 5.16 4.44 4.08 3.60 62 35.76 28.32 26.88 22.56
32 5.28 4.56 4.20 3.72 63 37.80 30.24 28.56 24.48
33 5.64 4.80 4.32 3.96 64 39.36 31.80 30.24 26.04
34 5.76 4.80 4.44 4.08 65 41.52 33.96 32.28 28.08
35 6.00 5.04 4.68 4.20 66 43.68 36.24 33.84 29.88
36 6.48 5.40 5.04 4.44 67 45.96 38.88 35.64 31.80
37 6.84 5.64 5.40 4.80 68 48.84 41.76 37.80 33.96
38 7.44 6.00 5.88 5.16 69 50.28 43.80 39.00 35.28
39 7.92 6.36 6.24 5.52 70 52.68 46.32 40.80 37.20
40 8.40 6.72 6.60 5.76 71 57.00 50.52 43.92 40.32
41 9.12 7.20 7.20 6.00 72 59.28 53.04 45.48 42.12
42 9.96 7.68 7.68 6.48 73 62.52 56.52 47.88 44.64
43 10.68 8.16 8.16 6.72 74 65.88 60.00 50.28 47.16
44 11.52 8.64 8.64 7.08 75 69.12 63.36 52.68 49.68
45 12.24 9.12 9.24 7.32 76 72.48 66.84 55.08 52.20
46 13.08 9.72 9.84 7.80 77 75.72 70.20 57.48 54.72
47 13.92 10.44 10.44 8.28 78 79.08 73.68 59.88 57.24
48 14.88 11.16 11.04 8.88 79 82.32 77.04 62.28 59.76
49 15.84 11.76 11.64 9.24 80 85.56 80.40 64.56 62.16
50 16.80 12.48 12.36 9.72
* Smkr. includes premium class "Smoker" and "Smoker Special"; Nsmkr.
includes premium class "Nonsmoker" and "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a requested increase.
Add $28.32 per contract to cover the monthly administrative charge.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
II. FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III AND IV
C. Basic Contract* - Highest Total Face Amount** More Than $499,999
Issue Male Female Issue Male Female
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
20 2.64 2.16 1.80 1.56 51 12.24 9.00 9.00 7.08
21 2.64 2.28 1.92 1.68 52 13.20 9.60 9.60 7.68
22 2.64 2.40 2.04 1.80 53 14.16 10.20 10.20 8.16
23 2.64 2.40 2.16 1.92 54 15.24 10.92 10.92 8.76
24 2.76 2.52 2.28 2.04 55 16.32 11.64 11.64 9.36
25 2.76 2.52 2.28 2.04 56 17.52 12.60 12.48 10.08
26 2.88 2.64 2.40 2.16 57 18.72 13.68 13.32 10.80
27 3.00 2.76 2.52 2.28 58 20.04 14.88 14.28 11.52
28 3.12 2.76 2.52 2.28 59 21.36 16.08 15.36 12.36
29 3.24 2.88 2.64 2.40 60 22.56 17.28 16.32 13.32
30 3.36 2.88 2.64 2.40 61 23.88 18.60 17.52 14.52
31 3.48 3.00 2.76 2.52 62 25.20 19.80 18.84 15.84
32 3.60 3.12 2.88 2.64 63 26.52 21.12 20.16 17.16
33 3.72 3.12 2.88 2.64 64 27.96 22.56 21.48 18.60
34 3.96 3.24 3.00 2.76 65 29.40 24.00 22.80 19.92
35 4.08 3.36 3.12 2.88 66 30.96 25.68 24.12 21.24
36 4.32 3.60 3.36 3.12 67 32.40 27.36 25.20 22.56
37 4.68 3.84 3.60 3.36 68 34.08 29.28 26.52 23.88
38 4.92 4.08 3.84 3.60 69 36.00 31.20 27.96 25.32
39 5.28 4.32 4.20 3.84 70 38.16 33.60 29.52 27.00
40 5.64 4.56 4.44 3.96 71 40.68 36.24 31.44 28.92
41 6.12 4.92 4.80 4.20 72 43.56 39.24 33.48 31.08
42 6.60 5.16 5.16 4.32 73 46.80 42.48 35.88 33.48
43 7.20 5.52 5.52 4.56 74 50.52 46.20 38.64 36.24
44 7.80 5.76 6.00 4.80 75 54.72 50.16 41.64 39.24
45 8.28 6.12 6.24 4.92 76 58.08 53.52 44.16 41.76
46 8.88 6.60 6.72 5.28 77 61.44 56.88 46.56 44.16
47 9.36 6.96 7.08 5.52 78 64.68 60.12 48.96 46.68
48 9.96 7.44 7.44 5.88 79 68.04 63.48 51.36 49.08
49 10.56 7.92 7.92 6.24 80 71.28 66.72 53.76 51.48
50 11.28 8.40 8.40 6.60
* Smkr. includes premium class "Smoker" and "Smoker Special"; Nsmkr.
includes premium class "Nonsmoker" and "Nonsmoker Special".
** The Highest Total Face Amount is the greater of 1) the Initial Face
Amount or 2) the Total Face Amount after a requested increase.
Add $28.32 per contract to cover the monthly administrative charge.
SCHEDULE OF COMMISSION RATES
EXHIBIT IA
TARGET PREMIUMS
III. RIDERS AND SUPPLEMENTAL BENEFITS
Target Premium equals the annual cost of the rider or supplemental
benefit divided by 0.95.
IV. SPECIAL CLASS
Target Premium for a special class table rating equals the extra
annual cost for the table rating divided by 0.95.
Premiums paid for aviation coverage and temporary extra premiums are
not commissionable.
EXHIBIT IA
SCHEDULE OF COMMISSION RATES
V. FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE RIDERS
TARGET PREMIUMS
A. SPOUSE RIDER
Male Female Male Female
Issue Std./ Std./ Issue Std./ Std./
Age Smkr. Nsmkr. Smkr. Nsmkr. Age Smkr. Nsmkr. Smkr. Nsmkr.
===========================================================================
16 5.40 3.24 49 23.76 16.32 12.48 9.72
17 5.52 3.36 50 24.84 17.16 12.96 10.20
18 5.76 3.48 51 26.76 18.72 13.68 10.92
19 5.88 3.60 52 27.96 19.68 14.28 11.40
20 6.12 4.08 3.72 2.88 53 30.24 21.48 15.12 12.24
21 6.36 4.20 3.84 3.00 54 31.56 22.56 15.72 12.72
22 6.48 4.32 3.96 3.12 55 33.96 24.60 16.68 13.68
23 6.72 4.44 4.08 3.12 56 35.52 25.92 17.28 14.28
24 6.96 4.56 4.20 3.24 57 38.28 28.20 18.36 15.36
25 7.08 4.68 4.44 3.36 58 39.96 29.64 19.08 15.96
26 7.44 4.80 4.56 3.48 59 43.08 32.40 20.28 17.16
27 7.68 5.04 4.68 3.60 60 45.00 34.08 21.12 18.12
28 7.92 5.16 4.92 3.72 61 47.04 35.88 22.08 18.96
29 8.28 5.40 5.04 3.84 62 50.64 39.12 23.76 20.64
30 8.64 5.52 5.28 3.96 63 52.92 41.04 24.84 21.72
31 9.00 5.76 5.52 4.20 64 55.32 43.20 26.16 22.80
32 9.36 6.00 5.76 4.32 65 59.52 46.92 28.08 24.84
33 9.72 6.24 6.00 4.44 66 62.28 49.44 29.40 26.16
34 10.08 6.48 6.12 4.56 67 65.16 51.96 30.96 27.60
35 10.56 6.72 6.36 4.80 68 70.20 56.64 33.36 30.00
36 10.92 7.08 6.72 4.92 69 73.56 59.64 35.16 31.68
37 11.40 7.32 6.96 5.16 70 77.04 62.76 37.08 33.60
38 11.88 7.68 7.20 5.40 71 82.92 68.40 40.20 36.72
39 12.84 8.28 7.68 5.76 72 86.88 72.12 42.60 39.00
40 13.44 8.76 7.92 6.00 73 91.08 75.84 45.00 41.52
41 14.52 9.60 8.40 6.36 74 98.52 83.04 49.56 45.96
42 15.12 9.96 8.76 6.60 75 106.20 90.72 54.36 50.88
43 16.32 10.92 9.24 7.08 76 111.00 95.28 57.60 54.12
44 17.04 11.40 9.60 7.32 77 115.92 99.96 61.08 57.36
45 18.48 12.36 10.32 7.92 78 120.84 104.76 64.56 60.84
46 19.44 12.96 10.68 8.16 79 125.88 109.68 68.28 64.44
47 21.00 14.16 11.28 8.76 80 130.92 114.84 72.12 68.04
48 21.96 14.88 11.76 9.12
* Smkr. includes premium class "Smoker" or "Smoker Special";
Nsmkr. includes premium class "Nonsmoker" or "Nonsmoker Special".
Std. includes premium class "Standard" or "Standard Special".
CHILD RIDER
TARGET PREMIUM EQUALS $5.76 PER $1,000 OF FACE AMOUNT.
DISTRICT REPRESENTATIVE AGREEMENT
LUTHERAN BROTHERHOOD
Minneapolis, Minnesota
AMENDMENT TO EXHIBIT I, IA
SCHEDULE OF COMMISSION RATES
FLEXIBLE PREMIUM ADJUSTABLE LIFE INSURANCE
SERIES III, IV, AND JUVENILE-ISSUE
Exhibit I, Section VI and Exhibit IA, Section II
1. All columns headed by "Male" are amended to read "Male/Unisex**"
2. Add a footnote which reads:
**Unisex rates are used for contracts which prohibit discrimination on
the basis of gender.
FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
Exhibit I, Section VII. C1,C2,D1,D2,E1,E2 -- Basic Contract
C3, F-Spouse Insurance Benefit (except in Montana)
and Exhibit IA, Section V.
1. All columns headed by "Male" are amended to read "Male/Unisex**"
2. Add a footnote which reads:
**Unisex rates are used for contracts which prohibit discrimination on
the basis of gender.
C3, F-SPOUSE INSURANCE BENEFIT: MONTANA ONLY
1. All columns headed by "Female" are amended to read "Female/Unisex**"
2. Add a footnote which reads:
**Unisex rates are used for contracts which prohibit discrimination on
the basis of gender.
DISTRICT REPRESENTATIVE AGREEMENT
LUTHERAN BROTHERHOOD
Minneapolis, Minnesota
SCHEDULE OF COMMISSION RATES
AMENDMENT TO EXHIBIT I
Section VIII. HEALTH INSURANCE
The following rates apply to Long Term Care (1992 Series) contracts sold to
residents of the indicated state.
INDIANA WISCONSIN MICHIGAN
COMMISSIONS COMMISSIONS COMMISSIONS
Continuous Continuous Continuous
Issue Renewal Renewal Renewal
Age Year 1 Year 2+ Year 1 Year 2+ Year 1-3 Year 4+
--- ------ ------- ------ ------- -------- -------
50-71 18% 9% 24% 7% 18% 3%
72 18 9 24 7 17 3
73 17 9 23 7 17 3
74 16 9 23 7 16 3
75 16 9 23 6 16 3
76 16 8 23 6 16 3
77 16 8 23 6 15 3
78 16 8 22 6 15 3
79 16 8 21 6 14 3
80 15 8 20 6 14 3
81 15 8 20 5 14 3
82 14 8 20 5 13 3
83 14 7 20 5 13 3
84 14 7 19 5 12 3
DISTRICT REPRESENTATIVE AGREEMENT
LUTHERAN BROTHERHOOD
Minneapolis, Minnesota
SCHEDULE OF COMMISSION RATES
AMENDMENT TO EXHIBIT I
Section VIII. HEALTH INSURANCE
The following rates apply to Long Term Care (1990 Series) contracts sold to
residents of the indicated state.
Commissions Commissions
MICHIGAN Issue Ages Years 1,2&3 Years 4&5
---------- -------------- -----------
50-70 17% 5%
71-73 16 5
74-76 15 5
77-79 14 5
80-82 13 5
82-84 12 5
1st Year Commissions
WISCONSIN Issue Ages Commissions Years 2,3,4,5&6
---------- ----------- -----------------
50-70 27% 7%
71 26 7
72 25 7
73-74 24 7
75-76 24 6
77 23 6
78 22 6
79 21 6
80-81 20 6
82-83 20 5
84 19 5
1st Year Commissions
INDIANA Issue Ages Commissions Years 2,3,4,5&6
---------- ----------- -----------------
50-70 18% 10%
71-72 18 9
73 17 9
74-75 16 9
76-77 16 8
78-79 15 8
80 14 8
81-82 14 7
83-84 13 7
DISTRICT REPRESENTATIVE AGREEMENT
LUTHERAN BROTHERHOOD
Minneapolis, Minnesota
SCHEDULE OF COMMISSION RATES
AMENDMENT TO EXHIBIT I
Section VIII. HEALTH INSURANCE
The following rates apply to Long Term Care (1992 Series) contracts sold to
residents of the indicated state.
DELAWARE
COMMISSIONS
Issue
Age Year 1 Year 2 Year 3 Year 4 Year 5+
--- ------ ------ ------ ------ -------
50-72 16% 16% 16% 8% 3%
73 16 16 16 5 3
74 16 16 16 3 3
75 16 16 13 3 3
76 16 16 11 3 3
77 16 16 10 3 3
78 16 16 9 3 3
79 16 16 7 3 3
80 16 16 5 3 3
81 16 16 4 3 3
82 16 16 3 3 3
83 16 13 3 3 3
84 16 12 3 3 3
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