Exhibit (g)(9)
AMENDMENT NO. V
To the Automatic Reinsurance Agreement
Between the
IDS LIFE INSURANCE COMPANY
And
[name of reinsurance company]
Except as hereinafter specified, all terms and conditions of the Automatic
Reinsurance Agreement effective the 1st day of April, 1990, amendments and
addenda attached thereto, shall apply, and this Amendment is to be attached to
and made a part of the aforesaid Agreement.
It is mutually agreed that effective the 1st day of August, 1994, EXHIBIT B,
Reinsurance Premiums, is revised, as attached.
IN WITNESS WHEREOF, the Company and [name of reinsurance company] have caused
their names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
IDS LIFE INSURANCE COMPANY
By: /s/ Xxxxx X. Xxxxxx Attest: [signature]
-------------------------
Title: Reinsurance Actuary Title: VP - Insurance Product Development
Date: 9/9/94 Date: 9/9/94
[name of reinsurance company]
By: /s/ [signature] Attest: [signature]
-------------------------
Title: Title:
Date: Sept. 19, 1994 Date: 9/19/94
REINSURANCE PREMIUMS
I. Plans & Riders:
Base Plans Riders
---------- ------
a) UL UL25 Other Insured Riders
UL100 Waiver of Monthly Deduction
XX000
XXX
XXX000
XXX000
XXX000
b) Fixed Premium Permanent
WL Annual Reducing Term (ART)
Waiver of Premium (WP)
c) Term Insurance
YRT ART
YRT-7 WP
10 Yr. Renewable Term
ART
Mortgage Term
NOTE: IDS Life offers a Survivor Insurance Rider (SIR) for use with UL100
and UL500 in the estate planning market. UL100 and UL500 policies written
with an SIR will be excluded from the pool and reinsured only to [name of
reinsurance company].
II. Standard Reinsurance Risk Premiums: The reinsurance premium rates to be
used for reinsurance ceded on the above plans and riders are the greater
of:
a) the monthly cost of insurance rates attached to this Exhibit B, or
b) the monthly cost of insurance rates actually charged the insured,
less the following percentage reductions:
Policy Years
------------
1 2+
------- ---
Nonsmoker and Smoker [percentage] [percentage]
III. Multiple Table Substandard Reinsurance Risk Premiums: The reinsurance
premium for substandard risks rated on a multiple mortality table basis
shall be equal to a multiple of the standard rate proportionate to the
mortality classification. Thus, the premium for a Class D (200%) risk
shall be equal to twice the standard premium. The percentage premium
reductions specified in Section II, above, shall apply to multiple table
substandard premiums.
EXHIBIT B
Page 1 of 6
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than [name]
years. [name of reinsurance company] should receive its
proportionate share of any such premiums less the following
percentage premium reductions:
First Year [percentage]
Renewal [percentage]
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
[name of reinsurance company] should receive its proportionate share
of any such premiums less the following percentage premium
reductions:
First Year [percentage]
Renewal [percentage]
V. Premiums for Waiver of Premium Benefit: [name of reinsurance company]
shall receive its proportionate share of Waiver of premiums less the
following percentage reductions:
First Year [percentage]
Renewal [percentage]
VI. Premiums for Waiver of Monthly Deduction Benefit: [name of reinsurance
company] shall receive its proportionate share of Waiver of Monthly
Deduction premiums less the following percentage reductions:
First Year [percentage]
Renewal [percentage]
VII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the [number] policy anniversary.
EXHIBIT B
Page 2 of 6
REINSURANCE PREMIUMS
I. Plan: Life Protection Plus
Other Insured Rider
II. Standard Reinsurance Risk Premiums: The reinsurance premium rates to be
used for reinsurance ceded on the above plan and rider are the greater of:
a) the cost of insurance rates attached to this Exhibit B, or
b) the cost of insurance rates actually charged the insured,
less the following percentage reductions:
Policy Years
-------------------------
1 2+
---------- ----------
Nonsmoker and Smoker [percentage] [percentage]
III. Multiple Table Substandard Reinsurance Risk Premiums: The reinsurance
premium for substandard risks rated on a multiple mortality table basis
shall be equal to a multiple of the standard rate proportionate to the
mortality classification. Thus, the premium for a Class D ([percentage])
risk shall be equal to twice the standard premium. The percentage premium
reductions specified in Section II, above, shall apply to multiple table
substandard premiums.
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5
years. [name of reinsurance company] should receive its
proportionate share of any such premiums less the following
percentage premium reductions:
First Year [percentage]
Renewal [percentage]
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
[name of reinsurance company] should receive its proportionate share
of any such premiums less the following percentage premium
reductions:
First Year [percentage]
Renewal [percentage]
V. Premiums for Waiver of Monthly Deduction Benefits: [name of reinsurance
company] shall receive its proportionate share of Waiver of Monthly
Deduction premiums less the following percentage reductions:
First Year [percentage]
Renewal [percentage]
EXHIBIT B
Page 3 of 6
VI. Reinsurance Premiums For Policies Converted To The Life Protection Plus
Plan: Any reinsurance in force with [name of reinsurance company] on
policies converted to or reissued on the above plan shall be continued
[name of reinsurance company]. The reinsured risk amount shall be
determined as described in Article V of this Agreement following the
conversion or reissue. The applicable reinsurance premiums will be
determined as described in this Exhibit B, with age and duration measured
from the date of issue of the original policy.
VII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 4 of 6
REINSURANCE PREMIUMS
I. Plans: 1 Year Term (1YT)
10 Year Term (10YT)
II. Standard Reinsurance Risk Premiums: The reinsurance premium rates to be
used for reinsurance ceded on the above plans are the greater of:
a) the monthly cost of insurance rates attached to this Exhibit
B, or
b) the monthly cost of insurance rates actually charged the
insured,
less the following percentage reductions:
1 YEAR TERM
Policy Years
------------
Risk Class 1 2-10* 11+
---------- ------------ ----------- ------------
Wellness [percentage] [percentage] [percentage]
Nonsmoker [percentage] [percentage] [percentage]
Smoker [percentage] [percentage] [percentage]
10 YEAR TERM
Policy Years
------------
Risk Class 1 2-10* 11+
---------- ------------ ----------- ------------
Wellness [percentage] [percentage] [percentage]
Nonsmoker [percentage] [percentage] [percentage]
Smoker [percentage] [percentage] [percentage]
*For the 1 Year Term and 10 Year Term plans, reentry is
permitted at the 10th policy anniversary. Reinsurance on the
original policy will be continued after reentry. Reinsurance
premiums on reentries shall be as described in the Agreement
which covers the new policy; unless that Agreement specifies
otherwise, the policy duration and attained age of the
insured, for purposes of calculating such premiums, shall be
determined as though the reentries were issued on the same
date and at the same issue age as the original policy. If no
such Agreement is in effect, reinsurance shall continue
hereunder.
III. Multiple Table Substandard Reinsurance Risk Premiums: The reinsurance
premium for substandard risks rated on a multiple mortality table basis
shall be equal to a multiple of the standard rate proportionate to the
mortality classification. Thus, the premium for a Class D ([percentage])
risk shall be equal to twice the standard premium. The percentage premium
reductions specified in Section II, above shall apply to multiple table
substandard premiums.
EXHIBIT B
Page 5 of 6
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than
[number] years. [name of reinsurance company] should receive its
proportionate share of any such premiums less the following
percentage premium reductions:
First Year [percentage]
Renewal [percentage]
b) Temporary Flat Extra Premiums are ones assessed for [number]years or
less. [name of reinsurance company] should receive its proportionate
share of any such premiums less the following percentage premium
reductions:
First Year [percentage]
Renewal [percentage]
V. Premiums for Waiver of Monthly Deduction Benefit: [name of reinsurance
company] shall receive its proportionate share of Waiver of Monthly
Deduction premiums less the following percentage premium reductions:
First Year [percentage]
Renewal [percentage]
VI. Reinsurance Premiums For Policies Converted From The Above Plans: Any
reinsurance in force with the [name of reinsurance company] on policies
converted from the above plans shall be continued with the [name of
reinsurance company]. The reinsured risk amount shall be determined as
described in Article V following the conversion. The applicable
reinsurance premiums will be determined as described in this Exhibit B,
with age and duration measured from the date of issue of the original
policy.
Fully underwritten exchanges to the above plans shall be treated as new
issues for reinsurance purposes.
VII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 6 of 6
MALE RATE TABLE
Guaranteed Maximum Monthly Cost of Insurance Rates per $1,000
for Insureds with a Standard Rate Classification
Standard Standard Standard
Attained Non- Attained Non- Attained Non-
Age Standard Smoker Age Standard Smoker Age Standard Smoker
----------- ------------ ------------ ------------ ------------- ------------ ------------ ----------- -----------
0 $
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
FEMALE RATE TABLE
Guaranteed Maximum Monthly Cost of Insurance Rates per $1,000
for Insurance with a Standard Rate Classification
Standard Standard Standard
Attained Non- Attained Non- Attained Non-
Age Standard Smoker Age Standard Smoker Age Standard Smoker
----------- ------------ ------------ ------------ ------------- ------------ ------------ ----------- -----------
0 $
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
UL-25 AND UL - 100
Rate and Surrender Charge Table - Male and Female
--------------------------------------------------------------------
$60 ANNUAL POLICY FEE |
--------------------------------------------------------------------
ANNUAL COST OF INSURANCE PER $1,000
--------------------------------------------------------------------
STANDARD NON-SMOKER
--------------------------------------------------------------------
ATT. AGE WMD WMD
------------ --------- ----------
0
------------ --------- ----------
1
------------ --------- ----------
2
------------ --------- ----------
3
------------ --------- ----------
4
------------ --------- ----------
5
------------ --------- ----------
6
------------ --------- ----------
7
------------ --------- ----------
8
------------ --------- ----------
9
------------ --------- ----------
10
------------ --------- ----------
11
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12
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14
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15
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16
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17
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18
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19
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22
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25
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27
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28
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29
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30
------------ --------- ----------
31
------------ --------- ----------
32
------------ --------- ----------
33
------------ --------- ----------
34
------------ --------- ----------
35
------------ --------- ----------
36
------------ --------- ----------
37
------------ --------- ----------
38
------------ --------- ----------
39
------------ --------- ----------
40
------------ --------- ----------
41
------------ --------- ----------
42
------------ --------- ----------
43
------------ --------- ----------
44
------------ --------- ----------
45
------------ --------- ----------
46
------------ --------- ----------
47
------------ --------- ----------
48
------------ --------- ----------
49
--------------------------------------------------------------------
UL-500
Rate and Surrender Charge Table - Male and Unisex
--------------------------------------------------------------
Annual Cost of Insurance Per $1,000
--------------------------------------------------------------
Standard Non-Smoker
--------------------------------------------------------------
Att. Age WMD WMD
--------------------- -------------- --------------
50
--------------------- -------------- --------------
51
--------------------- -------------- --------------
52
--------------------- -------------- --------------
53
--------------------- -------------- --------------
54
--------------------- -------------- --------------
55
--------------------- -------------- --------------
56
--------------------- -------------- --------------
57
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58
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59
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60
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61
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62
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63
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64
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65
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66
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67
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68
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69
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70
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71
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72
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73
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74
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75
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76
--------------------- -------------- --------------
77
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78
--------------------- -------------- --------------
79
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80
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81
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82
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83
--------------------- -------------- --------------
84
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85
--------------------- -------------- --------------
86
--------------------- -------------- --------------
87
--------------------- -------------- --------------
88
--------------------- -------------- --------------
89
--------------------- -------------- --------------
90
--------------------- -------------- --------------
91
--------------------- -------------- --------------
92
--------------------- -------------- --------------
93
--------------------- -------------- --------------
94
--------------------------------------------------------------
UL-500
Rate and Surrender Charge Table - Female
-----------------------------------------------------------------
Annual Cost of Insurance Per $1,000
-----------------------------------------------------------------
Standard Non-Smoker
----------------- -------------------- -----------------
Att. Age WMD WMD
----------------- -------------------- -----------------
0
----------------- -------------------- -----------------
1
----------------- -------------------- -----------------
2
----------------- -------------------- -----------------
3
----------------- -------------------- -----------------
4
----------------- -------------------- -----------------
5
----------------- -------------------- -----------------
6
----------------- -------------------- -----------------
7
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8
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9
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10
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11
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20
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25
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26
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27
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28
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29
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30
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31
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32
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33
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34
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35
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36
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37
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38
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39
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40
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41
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42
----------------- -------------------- -----------------
43
----------------- -------------------- -----------------
44
----------------- -------------------- -----------------
45
----------------- -------------------- -----------------
46
----------------- -------------------- -----------------
47
----------------- -------------------- -----------------
48
----------------- -------------------- -----------------
49
-----------------------------------------------------------------
UL-500
Rate and Surrender Charge Table - Male and Unisex
-----------------------------------------------------------------
Annual Cost of Insurance Per $1,000
-----------------------------------------------------------------
Standard Non-Smoker
----------------- -------------------- -----------------
Att. Age WMD WMD
----------------- -------------------- -----------------
0
----------------- -------------------- -----------------
1
----------------- -------------------- -----------------
2
----------------- -------------------- -----------------
3
----------------- -------------------- -----------------
4
----------------- -------------------- -----------------
5
----------------- -------------------- -----------------
6
----------------- -------------------- -----------------
7
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8
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9
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10
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11
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12
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25
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26
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28
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29
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30
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31
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32
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33
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34
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35
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36
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37
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38
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39
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40
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41
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42
----------------- -------------------- -----------------
43
----------------- -------------------- -----------------
44
----------------- -------------------- -----------------
45
----------------- -------------------- -----------------
46
----------------- -------------------- -----------------
47
----------------- -------------------- -----------------
48
----------------- -----------------------------------------
49
-----------------------------------------------------------------
UL-500
Rate and Surrender Charge Table - Female (Continued)
----------------------------------------------------------------------
Annual Cost of Insurance Per $1,000
----------------------------------------------------------------------
Standard Non-Smoker
-----------------------------------------------------------------
Att. Age WMD WMD
------------------ ------------------ --------------------
50
------------------ ------------------ --------------------
51
------------------ ------------------ --------------------
52
------------------ ------------------ --------------------
53
------------------ ------------------ --------------------
54
------------------ ------------------ --------------------
55
------------------ ------------------ --------------------
56
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57
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58
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59
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60
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61
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62
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63
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64
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66
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67
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68
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69
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70
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72
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84
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90
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91
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92
------------------ ------------------ --------------------
93
------------------ ------------------ --------------------
94
----------------------------------------------------------------------
XX-00 XXX XX-000
Rate and Surrender Charge Table - Male and Female
----------------------------------------------------------------------
$60 Annual Policy Fee
----------------------------------------------------------------------
ANNUAL COST OF INSURANCE PER $1,000
----------------------------------------------------------------------
Standard Non-Smoker
----------------------------------------------------------------------
Att. Age WMD WMD
----------------------------------------------------------------------
50
------------------ ------------------ --------------------
51
------------------ ------------------ --------------------
52
------------------ ------------------ --------------------
53
------------------ ------------------ --------------------
54
------------------ ------------------ --------------------
55
------------------ ------------------ --------------------
56
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57
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58
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59
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60
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61
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72
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82
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91
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92
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94
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95
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96
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97
------------------ ------------------ --------------------
98
------------------ ------------------ --------------------
99
----------------------------------------------------------------------
EUL-25 AND EUL-100
Rate and Surrender Charge Table - Unisex
-----------------------------------------------------------------
$60 Annual Policy Fee
-----------------------------------------------------------------
Annual Cost of Insurance Per $1,000
-----------------------------------------------------------------
Standard Non-Smoker
----------------- -------------------- -----------------
Att. Age WMD WMD
----------------- -------------------- -----------------
0
----------------- -------------------- -----------------
1
----------------- -------------------- -----------------
2
----------------- -------------------- -----------------
3
----------------- -------------------- -----------------
4
----------------- -------------------- -----------------
5
----------------- -------------------- -----------------
6
----------------- -------------------- -----------------
7
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8
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9
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44
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45
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46
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47
----------------- -------------------- -----------------
48
----------------- -------------------- -----------------
49
-----------------------------------------------------------------
EUL-25 AND EUL-100
Rate and Surrender Charge Table - Unisex (Continued)
----------------------------------------------------------------------
$60 Annual Policy Fee
----------------------------------------------------------------------
ANNUAL COST OF INSURANCE PER $1,000
----------------------------------------------------------------------
Standard Non-Smoker
------------------ ------------------ --------------------
Att. Age WMD WMD
------------------ ------------------ --------------------
50
------------------ ------------------ --------------------
51
------------------ ------------------ --------------------
52
------------------ ------------------ --------------------
53
------------------ ------------------ --------------------
54
------------------ ------------------ --------------------
55
------------------ ------------------ --------------------
56
------------------ ------------------ --------------------
57
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58
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59
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60
------------------ ------------------ --------------------
61
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62
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63
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64
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65
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66
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67
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68
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69
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70
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71
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72
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73
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74
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75
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76
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77
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78
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79
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80
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81
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82
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83
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84
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85
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86
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87
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88
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89
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90
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91
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92
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93
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94
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95
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96
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97
------------------ ------------------ --------------------
98
------------------ ------------------ --------------------
99
----------------------------------------------------------------------
Variable UL and VUL - 350
Rate Table - Male
-----------------------------------------------------------------
$60 Annual Policy Fee
-----------------------------------------------------------------
Annual Cost of Insurance Per $1,000
-----------------------------------------------------------------
Standard Non-Smoker
----------------- -------------------- -----------------
Att. Age WMD WMD
----------------- -------------------- -----------------
0
----------------- -------------------- -----------------
1
----------------- -------------------- -----------------
2
----------------- -------------------- -----------------
3
----------------- -------------------- -----------------
4
----------------- -------------------- -----------------
5
----------------- -------------------- -----------------
6
----------------- -------------------- -----------------
7
----------------- -------------------- -----------------
8
----------------- -------------------- -----------------
9
----------------- -------------------- -----------------
10
----------------- -------------------- -----------------
11
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12
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13
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14
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15
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16
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17
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25
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26
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27
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29
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30
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31
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32
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33
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34
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35
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36
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37
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38
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39
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40
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41
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42
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43
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44
----------------- -------------------- -----------------
45
----------------- -------------------- -----------------
46
----------------- -------------------- -----------------
47
----------------- -------------------- -----------------
48
----------------- -------------------- -----------------
49
-----------------------------------------------------------------
Variable UL and VUL - 350
Rate Table - Male
----------------------------------------------------------------------
$60 ANNUAL POLICY FEE
----------------------------------------------------------------------
ANNUAL COST OF INSURANCE PER $1,000
----------------------------------------------------------------------
Standard Non-Smoker
------------------ ------------------ --------------------
Att. Age WMD WMD
------------------ ------------------ --------------------
50
------------------ ------------------ --------------------
51
------------------ ------------------ --------------------
52
------------------ ------------------ --------------------
53
------------------ ------------------ --------------------
54
------------------ ------------------ --------------------
55
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56
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57
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58
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59
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60
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61
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62
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63
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64
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65
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66
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67
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68
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69
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70
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71
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72
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73
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74
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75
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76
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77
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78
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79
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80
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81
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82
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83
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84
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85
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86
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87
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88
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89
------------------ ------------------ --------------------
90
------------------ ------------------ --------------------
91
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92
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93
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94
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95
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96
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97
------------------ ------------------ --------------------
98
------------------ ------------------ --------------------
99
----------------------------------------------------------------------
Variable UL and VUL - 350
Rate Table - Female
------------------------------------------------------------------------
$60 Annual Policy Fee
------------------------------------------------------------------------
Annual Cost of Insurance Per $1,000
------------------------------------------------------------------------
Standard Non-Smoker ADB
------------- ----------------- ----------------- ------------
Att. Age
------------- ----------------- ----------------- ------------
0
------------- ----------------- ----------------- ------------
1
------------- ----------------- ----------------- ------------
2
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3
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4
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5
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6
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30
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32
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33
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35
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36
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38
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39
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40
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41
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42
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43
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44
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45
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46
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47
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48
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49
------------------------------------------------------------------------
Variable UL and VUL - 350
Rate Table - Female (Continued)
----------------------------------------------------------------------
$60 Annual Policy Fee
----------------------------------------------------------------------
Annual Cost of Insurance Per $1,000
----------------------------------------------------------------------
Standard Non-Smoker
----------------------------------------------------------------------
Att. Age WMD WMD
------------------ ------------------ --------------------
50
------------------ ------------------ --------------------
51
------------------ ------------------ --------------------
52
------------------ ------------------ --------------------
53
------------------ ------------------ --------------------
54
------------------ ------------------ --------------------
55
------------------ ------------------ --------------------
56
------------------ ------------------ --------------------
57
------------------ ------------------ --------------------
58
------------------ ------------------ --------------------
59
------------------ ------------------ --------------------
60
------------------ ------------------ --------------------
61
------------------ ------------------ --------------------
62
------------------ ------------------ --------------------
63
------------------ ------------------ --------------------
64
------------------ ------------------ --------------------
65
------------------ ------------------ --------------------
66
------------------ ------------------ --------------------
67
------------------ ------------------ --------------------
68
------------------ ------------------ --------------------
69
------------------ ------------------ --------------------
70
------------------ ------------------ --------------------
71
------------------ ------------------ --------------------
72
------------------ ------------------ --------------------
73
------------------ ------------------ --------------------
74
------------------ ------------------ --------------------
75
------------------ ------------------ --------------------
76
------------------ ------------------ --------------------
77
------------------ ------------------ --------------------
78
------------------ ------------------ --------------------
79
------------------ ------------------ --------------------
80
------------------ ------------------ --------------------
81
------------------ ------------------ --------------------
82
------------------ ------------------ --------------------
83
------------------ ------------------ --------------------
84
------------------ ------------------ --------------------
85
------------------ ------------------ --------------------
86
------------------ ------------------ --------------------
87
------------------ ------------------ --------------------
88
------------------ ------------------ --------------------
89
------------------ ------------------ --------------------
90
------------------ ------------------ --------------------
91
------------------ ------------------ --------------------
92
------------------ ------------------ --------------------
93
------------------ ------------------ --------------------
94
------------------ ------------------ --------------------
95
------------------ ------------------ --------------------
96
------------------ ------------------ --------------------
97
------------------ ------------------ --------------------
98
------------------ ------------------ --------------------
99
----------------------------------------------------------------------
Whole Life -- Male and Unisex
Premium Rates Per $1,000
----------------------------------------------------------------------------------------------------------------------------------
Add Add
$20 $20
Per Male--Standard Per Male--Non-Smoker
Policy Policy
----------------------------------------------------------------------------------------------------------------------------------
Reg Pref Exec Pres Reg Pref Exec Pres
Age ------------- ----------- ----------- --------- Age ----------- ----------- ------------- -----------
----------------------------------------------------------------------------------------------------------------------------------
0
1
2
3
4
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
5
6
7
8
9
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
10
11
12
13
14
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
15
16
17
18
19
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
20
21
22
23
24
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
25
26
27
28
29
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
30
31
32
33
34
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
35
36
37
38
39
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
40
41
42
43
44
----------------------------------------------------------------------------------------------------------------------------------
Whole Life -- Male and Unisex
------------------------------------------------------------------------------------------------------------------------------------
Add Add
$20 $20
Per Male--Standard Per Male--Non-Smoker
Policy Policy
----------------------------------------------------------------------------------------------------------------------------------
Reg Pref Exec Pres Reg Pref Exec Pres
Age ------------------------------------------------------- Age ------------------------------------------------------
WP WP WP WP Base WP WP WP WP
---------- ---------- --------- ---------- -------------------- ---------- -------- --------- ---------
45
46
47
48
49
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
50
51
52
53
54
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
55
56
57
58
59
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
60
61
62
63
64
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
65
66
67
68
69
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
70
71
72
73
74
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
75
76
77
78
79
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
80
81
82
83
84
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
85
---------------------------------------------------------------------------------------------------------------------------------
Whole Life -- Female
Premium Rates Per $1,000
----------------------------------------------------------------------------------------------------------------------------------
Add Add
$20 $20
Per Female--Standard Per Female--Non-Smoker
Policy Policy
----------------------------------------------------------------------------------------------------------------------------------
Reg Pref Exec Pres Reg Pref Exec Pres
Age ------------- ----------- ----------- --------- Age ----------- ----------- ------------- -----------
----------------------------------------------------------------------------------------------------------------------------------
0
1
2
3
4
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
5
6
7
8
9
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
10
11
12
13
14
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
15
16
17
18
19
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
20
21
22
23
24
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
25
26
27
28
29
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
30
31
32
33
34
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
35
36
37
38
39
-------- ------- ------ ------- ------- --------- ------- -------- -------- --------
40
41
42
43
44
----------------------------------------------------------------------------------------------------------------------------------
Whole Life -- Female (Continued)
------------------------------------------------------------------------------------------------------------------------------------
Add Add
$20 $20
Per Female--Standard Per Female--Non-Smoker
Policy Policy
----------------------------------------------------------------------------------------------------------------------------------
Reg Pref Exec Pres Reg Pref Exec Pres
Age ----------------------------------------------------- Age ---------------------------------------------------
WP WP WP WP WP WP WP WP
---------- ---------- --------- ---------- -------------------- -------- -------- --------- ---------
45
46
47
48
49
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
50
51
52
53
54
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
55
56
57
58
59
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
60
61
62
63
64
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
65
66
67
68
69
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
70
71
72
73
74
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
75
76
77
78
79
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
80
81
82
83
84
---------- ------- ------- ------- ------------------- ------- ------- -------- -------
85
---------------------------------------------------------------------------------------------------------------------------------
Yearly Renewable Term -7
------------------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Male--Standard POLICY Male--Non-Smoker
------------------------------------------------------------------------------------------------------------------
Age WP Age WP
------------- ------------------------ --------
20 20
21 21
22 22
23 23
24 24
------------- ------------------------ --------
25 25
26 26
27 27
28 28
29 29
------------- ------------------------ --------
30 30
31 31
32 32
33 33
34 34
------------- ------------------------ --------
35 35
36 36
37 37
38 38
39 39
------------- ------------------------ --------
40 40
41 41
42 42
43 43
44 44
------------- ------------------------ --------
45 45
46 46
47 47
48 48
49 49
------------- ------------------------ --------
50 50
51 51
52 52
53 53
54 54
------------- ------------------------ --------
55 55
56 56
57 57
58 58
59 59
------------- ------------------------ --------
60 60
61 61
62 62
63 63
64 64
------------------------------------------------------------------------------------------------------------------
Yearly Renewable Term -7
------------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Female--Standard POLICY Female--Non-Smoker
------------------------------------------------------------------------------------------------------------
Age WP Age WP
------------------------------------------------------------------------------------------------------------
20 20
21 21
22 22
23 23
24 24
------------- ----------------------- ----------
25 25
26 26
27 27
28 28
29 29
------------- ----------------------- ----------
30 30
31 31
32 32
33 33
34 34
------------- ----------------------- ----------
35 35
36 36
37 37
38 38
39 39
------------- ----------------------- ----------
40 40
41 41
42 42
43 43
44 44
------------- ----------------------- ----------
45 45
46 46
47 47
48 48
49 49
------------- ----------------------- ----------
50 50
51 51
52 52
53 53
54 54
------------- ----------------------- ----------
55 55
56 56
57 57
58 58
59 59
------------- ----------------------- ----------
60 60
61 61
62 62
63 63
64 64
-----------------------------------------------------------------------------------------------------------
10 Year Renewable Term
-----------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Male--Standard POLICY Male--Non-Smoker
-----------------------------------------------------------------------------------------------------------
Age WP Age WP
-----------------------------------------------------------------------------------------------------------
15 15
16 16
17 17
18 18
19 19
------------- ---------------------- ----------
20 20
21 21
22 22
23 23
24 24
------------- ---------------------- ----------
25 25
26 26
27 27
28 28
29 29
------------- ---------------------- ----------
30 30
31 31
32 32
33 33
34 34
------------- ---------------------- ----------
35 35
36 36
37 37
38 38
39 39
------------- ---------------------- ----------
40 40
41 41
42 42
43 43
44 44
------------- ---------------------- ----------
45 45
46 46
47 47
48 48
49 49
------------- ---------------------- ----------
50 50
51 51
52 52
53 53
54 54
------------- ---------------------- ----------
55 55
56 56
57 57
58 58
59 59
-----------------------------------------------------------------------------------------------------------
10 Year Renewable Term
---------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Female--Standard POLICY Female--Non-Smoker
---------------------------------------------------------------------------------------------------------
Age WP Age WP
------------- ---------------------- ---------
15 15
16 16
17 17
18 18
19 19
------------ ----------------------- ----------
20 20
21 21
22 22
23 23
24 24
------------ ----------------------- ----------
25 25
26 26
27 27
28 28
29 29
------------ ----------------------- ----------
30 30
31 31
32 32
33 33
34 34
------------ ----------------------- ----------
35 35
36 36
37 37
38 38
39 39
------------ ----------------------- ----------
40 40
41 41
42 42
43 43
44 44
------------ ----------------------- ----------
45 45
46 46
47 47
48 48
49 49
------------ ----------------------- ----------
50 50
51 51
52 52
53 53
54 54
------------ ----------------------- ----------
55 55
56 56
57 57
58 58
59 59
----------------------------------------------------------------------------------------------------------
Yearly Renewable Term
-----------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Male--Standard POLICY Male--Non-Smoker
-----------------------------------------------------------------------------------------------------------
Age WP Age WP
------------ ------------------------ ------------
15 15
16 16
17 17
18 18
19 19
------------ ------------------------ ------------
20 20
21 21
22 22
23 23
24 24
------------ ------------------------ ------------
25 25
26 26
27 27
28 28
29 29
------------ ------------------------ ------------
30 30
31 31
32 32
33 33
34 34
------------ ------------------------ ------------
35 35
36 36
37 37
38 38
39 39
------------ ------------------------ ------------
40 40
41 41
42 42
43 43
44 44
------------ ------------------------ ------------
45 45
46 46
47 47
48 48
49 49
------------ ------------------------ ------------
50 50
51 51
52 52
53 53
54 54
------------ ------------------------ ------------
55 55
56 56
57 57
58 58
59 59
-----------------------------------------------------------------------------------------------------------
Yearly Renewable Term
-----------------------------------------------------------------------------------------------------------
ADD ADD
$25 PER $25 PER
POLICY Female--Standard POLICY Female--Non-Smoker
-----------------------------------------------------------------------------------------------------------
Age WP Age WP
------------ ------------------------ ------------
15 15
16 16
17 17
18 18
19 19
------------ ------------------------ ------------
20 20
21 21
22 22
23 23
24 24
------------ ------------------------ ------------
25 25
26 26
27 27
28 28
29 29
------------ ------------------------ ------------
30 30
31 31
32 32
33 33
34 34
------------ ------------------------ ------------
35 35
36 36
37 37
38 38
39 39
------------ ------------------------ ------------
40 40
41 41
42 42
43 43
44 44
------------ ------------------------ ------------
45 45
46 46
47 47
48 48
49 49
------------ ------------------------ ------------
50 50
51 51
52 52
53 53
54 54
------------ ------------------------ ------------
55 55
56 56
57 57
58 58
59 59
-----------------------------------------------------------------------------------------------------------
Annual Reducing Term -- Waiver of Premium Rates Per $1,000
Male
----------------------------------------------------------------------------------------------------------------------
ISSUE 10 YR 15 YR 20 YR 25 YR 30 YR TO 65
----------------------------------------------------------------------------------------------------------------------
AGE STD NON STD NON STD NON STD NON STD NON STD NON
----------------------------------------------------------------------------------------------------------------------
15
16
17
18
19
----------------------------------------------------------------------------------------------------------------------
20
21
22
23
24
----------------------------------------------------------------------------------------------------------------------
25
26
27
28
29
----------------------------------------------------------------------------------------------------------------------
30
31
32
33
34
----------------------------------------------------------------------------------------------------------------------
35
36
37
38
39
----------------------------------------------------------------------------------------------------------------------
40
41
42
43
44
----------------------------------------------------------------------------------------------------------------------
45
46
47
48
49
----------------------------------------------------------------------------------------------------------------------
50
51
52
53
54
----------------------------------------------------------------------------------------------------------------------
55
----------------------------------------------------------------------------------------------------------------------
Annual Reducing Term -- Waiver of Premium Rates Per $1,000
Female
----------------------------------------------------------------------------------------------------------------------
ISSUE 10 YR 15 YR 20 YR 25 YR 30 YR TO 65
----------------------------------------------------------------------------------------------------------------------
AGE STD NON STD NON STD NON STD NON STD NON STD NON
----------------------------------------------------------------------------------------------------------------------
15
16
17
18
19
----------------------------------------------------------------------------------------------------------------------
20
21
22
23
24
----------------------------------------------------------------------------------------------------------------------
25
26
27
28
29
----------------------------------------------------------------------------------------------------------------------
30
31
32
33
34
----------------------------------------------------------------------------------------------------------------------
35
36
37
38
39
----------------------------------------------------------------------------------------------------------------------
40
41
42
43
44
----------------------------------------------------------------------------------------------------------------------
45
46
47
48
49
----------------------------------------------------------------------------------------------------------------------
50
51
52
53
54
----------------------------------------------------------------------------------------------------------------------
55
----------------------------------------------------------------------------------------------------------------------
LIFE PROTECTION PLUS
RIDER COST OF INSURANCE TABLE
WMD Rate* WMD Rate* WMD Rate* WMD Rate*
Male Female Male Female
Attained Attained Std. Std.
Age of Age of Std. Non- Std. Non-
Insured Standard Standard Insured Smoker smoker Smoker smoker
----------- ----------- ------------ ----------- --------- --------- ---------- ---------
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
Std. Std.
Std. Non- Std. Non-
Smoker smoker Smoker smoker
---------- -------- ---------- ---------
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
TERM WAIVER OF PREMIUM RATES - BANDS 1, 2 AND 3
ONE YEAR TERM
Male Female Unisex
Wellness & Wellness & Wellness &
Standard Male Standard Female Standard Unisex
Nonsmoker Smoker Nonsmoker Smoker Nonsmoker Smoker
--------- ------ --------- ------ --------- ------
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
TERM WAIVER OF PREMIUM RATES - BANDS 1, 2 AND 3
TEN YEAR TERM
Male Female Unisex
Wellness & Wellness & Wellness &
Standard Male Standard Female Standard Unisex
Nonsmoker Smoker Nonsmoker Smoker Nonsmoker Smoker
--------- ------ --------- ------ --------- ------
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
