AMENDMENT NO. 11
to the
VARIABLE ANNUITY GMIB REINSURANCE AGREEMENT
EFFECTIVE MARCH 1, 2005
Between
XXXXXXX NATIONAL LIFE INSURANCE COMPANY
("CEDING COMPANY")
and
ACE TEMPEST LIFE REINSURANCE LTD.
("REINSURER")
Effective October 6, 2008, this Amendment is hereby attached to and becomes a
part of the above-described Reinsurance Agreement. It is mutually agreed that
the Agreement will be amended to include new investment funds, to update fund
names, to change the effective date of the new Futureguard benefit and to add
new reinsurance premium rates for policies with the new Guaranteed Minimum Death
Benefits. To effect these changes, the following provision of this Agreement is
hereby amended:
|X| Schedule B-1, CONTRACTS SUBJECT TO THIS REINSURANCE AGREEMENT,
amendment # 10, is hereby replaced by the attached Schedule B-1.
|X| Schedule B-2, SUBACCOUNTS SUBJECT TO THIS REINSURANCE AGREEMENT,
amendment # 10, is hereby replaced by the attached Schedule B-2.
|X| Schedule D, QUARTERLY REINSURANCE PREMIUM RATE, Amendment # 10, is
hereby replaced by the attached Schedule X.
Xxxxxxx National Life ACE Tempest Life Reinsurance Ltd.
Insurance Company
By ______Lisa C. Drake_______________ By ____Huan Tseng_________________
Name ____Lisa C. Drake________________ Name __Huan Tseng__________________
Title ___SVP and Chief Actuary_______ Title _SVP & Chief Pricing Officer
Date ________________________________ Date ______________________________
SCHEDULE B-1
ANNUITY CONTRACTs Subject to this Reinsurance Agreement
PERSPECTIVE II AND FIFTH THIRD PERSPECTIVE II
o VA220 is an individual flexible premium variable and fixed annuity
o VA220G is a group flexible premium variable and fixed annuity
o This product has two Contract options:
o Separate Account Investment Division option and
o Fixed Account Option.
A) SEPARATE ACCOUNT INVESTMENT DIVISION OPTION
o This option allows the Owner to allocate Premiums and earnings to one
or more Investment Divisions of the Separate Account.
o Separate Account I is used for this Contract.
o The Separate Account invests in shares of one of the corresponding
Series of the underlying fund of the JNL Series Trust and JNL Variable
Fund LLC (see Schedule B-2).
B) GUARANTEED MINIMUM INCOME BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7454 FutureGuard effective 10/4/2004
7485 FutureGuard effective 5/2/2005
7485A WA FutureGuard for Washington State effective 1/17/2006
7485A WA Unisex FutureGuard for Washington State effective 1/17/2006
7524 6% Roll-up GMIB with Annual Reset, effective 12/3/2007
7524A WA 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7524 A WA Unisex 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7551 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008
7551A WA 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
7551A WA Unisex 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
C) OPTIONAL BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7360 Earnings Protection Benefit effective 10/4/2004
7461 Death Benefit Option (4% Rollup) effective 10/4/2004
7476 Death Benefit Option (4% Rollup) effective 5/2/2005
7463 Death Benefit Option (5% Rollup) effective 10/4/2004
7475 Death Benefit Option (5% Rollup) effective 5/2/2005
7470 Death Benefit Option (HAV) effective 10/4/2004
7512 Death Benefit Option (HAV) effective 1/16/2007
7462 Death Benefit Option (Comb HAV and 4% Rollup) effective 10/4/2004
7479 Death Benefit Option (Comb HAV and 4% Rollup) effective 5/2/2005
7464 Death Benefit Option (Comb HAV and 5% Rollup) effective 10/4/2004
7478 Death Benefit Option (Comb HAV and 5% Rollup) effective 5/2/2005
7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007
7557 Death Benefit Option (5% Rollup) effective 10/6/2008
7559 Death Benefit Option (6% Rollup) effective 10/6/2008
7556 Death Benefit Option (HQV) effective 10/6/2008
7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008
7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008
7349 20% Additional Free Withdrawal
7465 Shortened W/D Charge Period (5 years) effective 10/4/2004
7466 Shortened W/D Charge Period (3 years) effective 10/4/2004 - not available for contracts issued after 4/30/2006
7346 03/03 Premium Credit (4%)
7348 03/03 Premium Credit (2%)
7352 03/03 Premium Credit (3%)
7507 Premium Credit (5%)
7380 Reduced Administration Charge
Washington State Only
7471WA Death Benefit Option (3% Rollup) effective 10/4/2004
7481WA Death Benefit Option (3% Rollup) effective 5/2/2005
7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004
7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005
7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007
7556AWA Death Benefit Option (HQV) effective 10/6/2008
7564AWA Death Benefit Option (3%) effective 10/6/2008
7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008
PERSPECTIVE A SERIES
o VA230 is an individual flexible premium variable and fixed annuity
o VA230G is a group flexible premium variable and fixed annuity
A) SEPARATE ACCOUNT INVESTMENT DIVISION OPTION
o This option allows the Owner to allocate Premiums and earnings to one
or more Investment Divisions of the Separate Account.
o Separate Account I is used for this Contract.
o The Separate Account invests in Class A shares of one of the
corresponding Series of the underlying fund of the JNL Series Trust
and JNL Variable Fund LLC (see Schedule B-2).
B) GUARANTEED MINIMUM INCOME BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7485 FutureGuard
7485A WA FutureGuard for Washington State effective 1/17/2006
7485A WA Unisex FutureGuard for Washington State effective 1/17/2006
7524 6% Roll-up GMIB with Annual Reset, effective 12/3/2007
7524A WA 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7524 A WA Unisex 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7551 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008
7551A WA 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
7551A WA Unisex 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
C) OPTIONAL BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7360 Earnings Protection
7474 Death Benefit Option (Return of Premium)
7475 Death Benefit Option (5% Rollup)
7476 Death Benefit Option (4% Rollup)
7477 Death Benefit Option (Highest Anniversary Value)
7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007
7478 Death Benefit Option (Comb HAV and 5% Rollup)
7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007
7479 Death Benefit Option (Comb HAV and 4% Rollup)
7557 Death Benefit Option (5% Rollup) effective 10/6/2008
7559 Death Benefit Option (6% Rollup) effective 10/6/2008
7556 Death Benefit Option (HQV) effective 10/6/2008
7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008
7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008
7507 Premium Credit (5%) Washington State Only
7481WA Death Benefit Option (3% Rollup)
7482WA Death Benefit Option (Comb HAV and 3% Rollup)
7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007
7556AWA Death Benefit Option (HQV) effective 10/6/2008
7564AWA Death Benefit Option (3%) effective 10/6/2008
7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008
PERSPECTIVE L SERIES
o VA210 is an individual flexible premium variable and fixed annuity
o VA210G is a group flexible premium variable and fixed annuity
A) SEPARATE ACCOUNT INVESTMENT DIVISION OPTION
o This option allows the Owner to allocate Premiums and earnings to one
or more Investment Divisions of the Separate Account.
o Separate Account I is used for this Contract.
o The Separate Account invests in Class A shares of one of the
corresponding Series of the underlying fund of the JNL Series Trust
and JNL Variable Fund LLC (see Schedule B-2).
B) GUARANTEED MINIMUM INCOME BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7485 FutureGuard
7485A WA FutureGuard for Washington State effective 1/17/2006
7485A WA Unisex FutureGuard for Washington State effective 1/17/2006
7524 6% Roll-up GMIB with Annual Reset, effective 12/3/2007
7524A WA 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7524 A WA Unisex 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7551 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008
7551 A WA 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
7551 A WA Unisex 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
C) OPTIONAL BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7346 03/03 Premium Credit (4%)
7348 03/03 Premium Credit (2%)
7352 03/03 Premium Credit (3%)
7507 Premium Credit (5%)
7360 Earnings Protection
7380 Reduced Administration Charge
7470 Death Benefit Option (Highest Anniversary Value)
7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007
7475 Death Benefit Option (5% Rollup)
7476 Death Benefit Option (4% Rollup)
7478 Death Benefit Option (Comb HAV and 5% Rollup)
7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007
7479 Death Benefit Option (Comb HAV and 4% Rollup)
7557 Death Benefit Option (5% Rollup) effective 10/6/2008
7559 Death Benefit Option (6% Rollup) effective 10/6/2008
7556 Death Benefit Option (HQV) effective 10/6/2008
7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008
7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008
Washington State Only
7481WA Death Benefit Option (3% Rollup)
7482WA Death Benefit Option (Comb HAV and 3% Rollup)
7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007
7556AWA Death Benefit Option (HQV) effective 10/6/2008
7564AWA Death Benefit Option (3%) effective 10/6/2008
7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008
PERSPECTIVE ADVISORS II
o VA410 is an individual flexible premium variable and fixed annuity
o VA410G is a group flexible premium variable and fixed annuity
A) SEPARATE ACCOUNT INVESTMENT DIVISION OPTION
o This option allows the Owner to allocate Premiums and earnings to one
or more Investment Divisions of the Separate Account.
o Separate Account I is used for this Contract.
o The Separate Account invests in shares of one of the corresponding
Series of the underlying fund of the JNL Series Trust and JNL Variable
Fund LLC. Share class is the 12b-1-share class. (see Schedule B-2).
B) GUARANTEED MINIMUM INCOME BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7485 FutureGuard
7485A WA FutureGuard for Washington State effective 1/17/2006
7485A WA Unisex FutureGuard for Washington State effective 1/17/2006
7524 6% Roll-up GMIB with Annual Reset, effective 12/3/2007
7524A WA 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7524 A WA Unisex 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7551 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008
7551A WA 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
7551A WA Unisex 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
C) OPTIONAL BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7360 Earnings Protection
7460 Premium Credit (2%)
7470 Death Benefit Option (Highest Anniversary Value)
7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007
7475 Death Benefit Option (5% Rollup)
7476 Death Benefit Option (4% Rollup)
7478 Death Benefit Option (Comb HAV and 5% Rollup)
7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007
7479 Death Benefit Option (Comb HAV and 4% Rollup)
7557 Death Benefit Option (5% Rollup) effective 10/6/2008
7559 Death Benefit Option (6% Rollup) effective 10/6/2008
7556 Death Benefit Option (HQV) effective 10/6/2008
7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008
7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008
Washington State Only
7471WA Death Benefit Option (3% Rollup) effective 10/4/2004
7472WA Death Benefit Option (Comb HAV and 3% Rollup) effective 10/4/2004
7481WA Death Benefit Option (3% Rollup) effective 5/2/2005
7482WA Death Benefit Option (Comb HAV and 3% Rollup) effective 5/2/2005
7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007
7556AWA Death Benefit Option (HQV) effective 10/6/2008
7564AWA Death Benefit Option (3%) effective 10/6/2008
7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008
RETIREMENT LATITUDES
o VA310 is an individual flexible premium variable and fixed annuity
o VA310G is a group flexible premium variable and fixed annuity
A) SEPARATE ACCOUNT INVESTMENT DIVISION OPTION
o This option allows the Owner to allocate Premiums and earnings to one
or more Investment Divisions of the Separate Account.
o Separate Account I is used for this Contract.
o The Separate Account invests in Class A shares of one of the
corresponding Series of the underlying fund of the JNL Series Trust
and JNL Variable Fund LLC (see Schedule B-2).
B) GUARANTEED MINIMUM INCOME BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7485 FutureGuard
7485A WA FutureGuard for Washington State effective 1/17/2006
7485A WA Unisex FutureGuard for Washington State effective 1/17/2006
7524 6% Roll-up GMIB with Annual Reset, effective 12/3/2007
7524A WA 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7524 A WA Unisex 6% Roll-up GMIB with Annual Reset for Washington state, effective 12/3/2007
7551 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008
7551A WA 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
7551A WA Unisex 6% Roll-up GMIB with Annual Reset & No Cap, effective 10/6/2008 for Washington state
C) OPTIONAL BENEFITS
FORM NUMBER* POLICY DESCRIPTION
7500 Additional Free Withdrawal Option (20% of Premium)
7360 Earnings Protection
7470 Death Benefit Option (Highest Anniversary Value)
7512 Death Benefit Option (Highest Anniversary Value) effective 1/16/2007
7475 Death Benefit Option (5% Rollup)
7478 Death Benefit Option (Comb HAV and 5% Rollup)
7513 Death Benefit Option (Comb HAV and 5% Rollup) effective 1/16/2007
7557 Death Benefit Option (5% Rollup) effective 10/6/2008
7559 Death Benefit Option (6% Rollup) effective 10/6/2008
7556 Death Benefit Option (HQV) effective 10/6/2008
7558 Death Benefit Option (Comb HQV and 5% Rollup) effective 10/6/2008
7560 Death Benefit Option (Comb HQV and 6% Rollup) effective 10/6/2008
7346 03/03 Premium Credit (4%)
7507 Premium Credit (5%), effective 1/16/2007
7380 Reduced Administration Charge
7499 Shorten Withdrawal Charge Period to 4 Years
Washington State Only
7481WA Death Benefit Option (3% Rollup)
7482WA Death Benefit Option (Comb HAV and 3% Rollup)
7515WA Death Benefit Option (Comb HAV and 3% Rollup) effective 1/16/2007
7556AWA Death Benefit Option (HQV) effective 10/6/2008
7564AWA Death Benefit Option (3%) effective 10/6/2008
7565AWA Death Benefit Option (Comb HQV and 3% Rollup) effective 10/6/2008
* Includes any state specific variation of the above-described forms as of the
EFFECTIVE DATE and any subsequent state specific variation, if such subsequent
state specific variation does not have any impact on the risk assumed by the
REINSURER. The CEDING COMPANY shall notify the REINSURER of any state specific
variation after the EFFECTIVE DATE which could have any impact on the risk
assumed by the REINSURER and such variation shall be treated the same as a
policy form change under Article IV, Section B, provided that the REINSURER
shall not unreasonably refuse to approve such subsequent state specific
variation.
JNL ACE 2005 TREATY SCHEDULE B-1 AMENDMENT # 11
SCHEDULE B-2
Subaccounts Subject to this Reinsurance Agreement
-------------------------------- ------------------------------------------------------------------- -------------------------------
FUND NAME COMMENT PRODUCT AVAILABILITY
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/AIM International Growth Named changed from JNL/Xxxxxx International Equity Fund effective All
Fund 5/2/05 and from JNL/JPM International Equity Fund effective
12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/AIM Large Cap Growth Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/AIM Global Real Estate New 5/2/05, Name changed from JNL/AIM Real Estate Fund effective All
Fund 10/6/2008
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/AIM Small Cap Growth All
Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Capital Guardian Global Balanced Fund Name changed from JNL/FMR All
Balanced Fund effective 4/30/2007 and from JNL/FI
Balanced Fund effective 12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Capital Guardian Global Name changed from JNL/Select Global Growth Fund effective All
Diversified Research Fund 12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Capital Guardian New 12/3/2007 All
International Small Cap Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Capital Guardian U.S. Name changed from JNL/Select Large Cap Growth Fund effective All
Growth Equity Fund 12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Credit Suisse New 1/16/2007 All
Global Natural Resources
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Credit Suisse Long/Short New 1/16/2007 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Eagle Core Equity Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Eagle Small Cap All
Equity Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Franklin Xxxxxxxxx New 1/16/2007 All
Founding Strategy
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Franklin Xxxxxxxxx New 1/16/2007 All
Global Growth
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Franklin Xxxxxxxxx New 5/1/2006 All
Income Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Franklin Xxxxxxxxx New 1/16/2007 All
Mutual Shares
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Franklin Xxxxxxxxx Small New 5/2/05 All
Cap Value Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Xxxxxxx Sachs Core Plus Name changed from JNL/Salomon Brothers Strategic Bond Fund All
Bond Fund effective 5/1/2006, from JNL/Western Strategic Bond Fund
effective 1/16/2007, and from JNL/Western Asset Strategic Bond
Fund effective 4/30/2007.
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Xxxxxxx Xxxxx Emerging New 10/6/2008 All
Markets Debt Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Xxxxxxx Sachs Mid New 5/2/05 All
Cap Value Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Xxxxxxx Xxxxx Short New 5/1/2006 All
Duration Bond Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/JPMorgan International All
Value Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/JPMorgan Mid-Cap Growth Fund Name changed from JNL/FMR Capital Growth All
Fund effective 5/1/2006, from JNL/FMR Mid-Cap Equity Fund
effective 4/30/2007, and from JNL/FI Mid-Cap Equity Fund
effective 12/3/2007. Also, JNL/Xxxxxx Mid-Cap Growth Fund
was merged with this fund effective 12/3/2007.
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/JPMorgan U.S. Government Name changed from JNL/Salomon Brothers U.S. Govt. & Quality Bond All
& Quality Bond Fund Fund effective 5/1/2006,from JNL/Western U.S. Govt. & Quality
Bond Fund effective 1/16/2007, and from JNL/Western Asset U.S.
Govt. & Quality Bond Fund effective 4/30/2007.
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Lazard Emerging New 5/1/2006 All
Markets Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Lazard Mid Cap Name changed from JNL/Lazard Mid Cap Value Fund effective All
Equity Fund 3/31/2008
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Lazard Small Cap Name changed from JNL/Lazard Small Cap Value Fund effective All
Equity Fund 3/31/2008
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/M&G Global Basics Fund New 10/6/2008 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/M&G Global Leaders Fund New 10/6/2008 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 4/30/2007. All but Retirement Latitudes
10 X 10 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
25 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
Bond Index Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All but Retirement Latitudes
Communications Sector Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All but Retirement Latitudes
Consumer Brands Sector Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed from JNL/Mellon Capital Management Energy Sector All but Retirement Latitudes
Oil & Gas Sector Fund Fund effective 5/2/2005
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
Enhanced S&P 500 Stock Index
Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 10/6/2008 All
European 30 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All but Retirement Latitudes
Financial Sector Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
Global 15 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
International Index Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 4/30/2007. All but Retirement Latitudes
Index 5 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
JNL 5 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 5/1/2006 All
JNL Optimized 5 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed from JNL/Mellon Capital Management All but Retirement Latitudes
Healthcare Sector Fund Pharmaceutical/Healthcare Sector Fund effective 5/2/05
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 4/30/2007. All but Retirement Latitudes
NYSE(R) International 25 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 10/6/2008 All
Pacific Rim 30 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 4/30/2007. All but Retirement Latitudes
S&P (R) XXxx 60 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 5/1/2006 All
S&P (R) 24 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
S&P 400 MidCap Index Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
S&P 500 Index Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
Select Small-Cap Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
Small Cap Index Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All but Retirement Latitudes
Technology Sector Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management New 1/17/2006 All
Xxx XX Dividend
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed effective 1/17/2006 All
The Dowsm 10 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed effective 1/17/2006 All
The S&P(R) 10 Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management All
VIP Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed from JNL/Mellon Capital Management Nasdaq(R)15 Fund All
Nasdaq(R)25 Fund effective 12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Mellon Capital Management Name changed from JNL/Mellon Capital Management Value Line(R) 25 All
Value Line(R)30 Fund Fund effective 12/3/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Xxxxxxxxxxx Global All
Growth Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/XXX Asia ex-Japan Fund New 3/31/2008 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/XXX China-India Fund New 3/31/2008 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PIMCO Real Return New 1/16/2007 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PIMCO Total Return All
Bond Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PPM America Core Name changed from JNL/Xxxxxx Equity Fund effective 12/3/2007 All
Equity Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/ PPM America High Name changed from JNL/Salomon Brothers High Yield Bond Fund All
Yield Bond Fund effective 5/1/2006, from JNL/Western High Yield Bond Fund
effective 1/16/2007, and from JNL/Western Asset High Yield Bond
Fund effective 4/30/2007.
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PPM America Mid-Cap New 3/31/2008 All
Value Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PPM America Small Cap New 3/31/2008 All
Value Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/PPM America Value Equity Name changed from JNL/Xxxxxx Value Equity Fund effective All (Exclusion of Retirement
1/16/2007 Latitudes was lifted eff
10/6/08)
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Red Rocks Listed Private New 10/6/2008 All
Equity Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P 4 Fund New 12/3/2007 All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Competitive New 12/3/2007 All but Retirement Latitudes
Advantage Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Disciplined Moderate New 1/16/2007 All but Fifth Third
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Disciplined New 1/16/2007 All but Fifth Third
Moderate Growth
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Disciplined Growth New 1/16/2007 All but Fifth Third
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Dividend Income & New 12/3/2007 All but Retirement Latitudes
Growth Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Intrinsic Value Fund New 12/3/2007 All but Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Managed Growth Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Managed Aggressive All
Growth Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Managed All
Conservative Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Managed All
Moderate Fund
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-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Managed Moderate All
Growth Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Retirement Income New 1/17/2006 All but Fifth Third and
Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Retirement 2015 New 1/17/2006 All but Fifth Third and
Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Retirement 2020 New 1/17/2006 All but Fifth Third and
Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Retirement 2025 New 1/17/2006 All but Fifth Third and
Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/S&P Total Yield Fund New 12/3/2007 All but Retirement Latitudes
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Select Balanced Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Select Money Market Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/Select Value Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/X. Xxxx Price JNL/Alliance Capital Growth Fund was merged with this fund All
Established Growth Fund 5/2/05. JNL/Xxxxx Growth Fund and JNL Xxxxxxxxxxx Growth Fund
were merged with this fund on 4/30/2007.
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/X. Xxxx Price Mid-Cap All
Growth Fund
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL/X. Xxxx Price Value Fund All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Fifth Third Balanced Fund no longer available for new investments effective 8/13/2007 Fifth Third Only
VIP Fund and was liquidated effective 10/12/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Fifth Third Disciplined Fund no longer available for new investments effective 8/13/2007 Fifth Third Only
Value VIP Fund and was liquidated effective 10/12/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Fifth Third Mid Cap VIP Fund Fund no longer available for new investments effective 8/13/2007 Fifth Third Only
and was liquidated effective 10/12/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Fifth Third Quality Fund no longer available for new investments effective 8/13/2007 Fifth Third Only
Growth VIP Fund and was liquidated effective 10/12/2007
-------------------------------- ------------------------------------------------------------------- -------------------------------
------------------------------------------------------------------------------------------------------------------------------------
JNL GENERAL ACCOUNT
------------------------------------------------------------------------------------------------------------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Guaranteed Five Year Fixed All but Advisors II and
Perspective A Series
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
12 Month DCA All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
6 Month DCA All
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Guaranteed One Year Fixed All but Advisors II
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Guaranteed Seven Year Fixed All but Advisors II and
Perspective A Series
-------------------------------- ------------------------------------------------------------------- -------------------------------
-------------------------------- ------------------------------------------------------------------- -------------------------------
Guaranteed Three Year Fixed All but Advisors II and
Perspective A Series
-------------------------------- ------------------------------------------------------------------- -------------------------------
JNL ACE 2005 TREATY SCHEDULE B-2 AMENDMENT11
SCHEDULE D
QUARTERLY REINSURANCE PREMIUM RATE
The QUARTERLY REINSURANCE PREMIUM RATE, subject to the terms and conditions of
this Agreement, is shown in the table below for each GMIB TYPE. It applies to
all CONTRACT TYPEs, and is guaranteed while the reinsurance coverage is in
effect.
GMIB TYPE FORM NUMBER QUARTERLY RATE
If has not elected GMDB forms 7557, 7558, 7559, 7560:
7454, 7485, 0000X XX, 0000X XX Unisex .XXXXX
7524, 0000X XX, 0000X XX Unisex .XXXXX
7551, 0000X XX, 0000X XX Unisex .XXXXX
If has elected GMDB forms 7557, 7558, 7559, 7560:
7454, 7485, 0000X XX, 0000X XX Unisex .XXXXX
7524, 0000X XX, 0000X XX Unisex .XXXXX
7551, 0000X XX, 0000X XX Unisex .XXXXX
JNL ACE 2005 TREATY SCHEDULE D AMENDMENT # 11
