Common use of NONPARTICIPATING Clause in Contracts

NONPARTICIPATING. This is not a participating policy. No dividends are payable. If the Insured commits suicide, while sane or insane, within two years of the Policy Date, all coverage under the Policy will end, and we will pay a limited amount of proceeds. The limited amount of proceeds will equal all premiums paid on the Policy, less Policy Debt and partial surrenders. If the Insured commits suicide, while sane or insane, more than two years after the policy date and within two years after an increase in the Specified Amount became effective, the Specified Amount will be reduced to the amount in effect prior to the increase. The amount payable with respect to the increase will equal the monthly deductions that were made for that increase. Any limited amount payable will be treated as Life Insurance Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. WRITTEN NOTICE Any written notice to us should be sent to our Home Office at ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇. Please include the policy number and the Insured's full name. Any notice we send to you will be sent to your address shown in the application. Notify us of any change of address. Optional Payment Plan Life insurance or surrender value proceeds will be paid in one lump sum, unless requested otherwise. Any part of the proceeds can be left with us and paid under a payment plan. During the Insured's life, you can choose a plan. A Beneficiary can choose a plan if you have not chosen one at the insured's death. There are several important payment plan rules: . The payee under a plan cannot be a corporation, association or fiduciary. . If you change a Beneficiary, your plan selection will no longer be in effect unless you request that it continue. . Any choice or change of a plan must be sent in writing to our Home Office. . The amount of each payment under a plan must be at least $50. . Payments will begin either on the date of death or on lapse, except for payments under Plan 4 which begin at the end of the first interest period. . Payments are backed by assets in our General Account.

NONPARTICIPATING. This is not a participating policy. No dividends are payable. The Policy and Its Parts The Policy with any attached application(s), and any riders and endorsements is a legal contract. It is the entire contract between you and us. An agent cannot change this contract. Any change to it must be in writing and approved by us. Only an authorized officer of the Company can give our approval. We will not use any statement in the original application to deny a claim unless a copy of that application was attached to this Policy when issued or delivered. We will not use any statement in a supplemental application to deny a claim unless a copy of that application was sent to you when the change in coverage went into effect. We will not use any statement in a reinstatement application to deny a claim unless a copy of the reinstatement application was sent to you when the Policy was reinstated. Suicide If the either Insured commits suicide, while sane or insane, suicide within two years of the Policy Date, all coverage under the Policy will end, and we will pay a limited amount of proceeds. The limited amount of proceeds will equal all premiums paid on the Policy, less Policy Debt and partial surrenders. We will also provide a single life policy to the surviving Insured. The single life policy will have the same Policy Date as this Policy. The rating class of the single life policy will be the rating class of the surviving Insured under this Policy. We may require increased premiums under the single life policy. The policy or policies we offer will be one offered by us or by an affiliate. If the first Insured to die commits suicide, while sane or insane, suicide more than two years after the policy date Policy Date and within two years after an increase in the Specified Amount became effective, the Specified Amount will be reduced to the amount in effect prior to the increase. Monthly deductions that were made with respect to the increase will be refunded in a lump sum to the Owner. If the second Insured to die commits suicide more than two years after the Policy Date and within two years after an increase in the Specified Amount became effective, the Specified Amount will be reduced to the amount in effect prior to the increase. The amount payable with respect to the increase will equal the monthly deductions that were made for that increase. Any limited The amount payable will be treated as Life Insurance Death Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. WRITTEN NOTICE Any limited amount payable will be treated as Death Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. Written Notice Any written notice to us should be sent to our Home Office at ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇, ▇▇▇ ▇▇▇▇, ▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇ ▇-▇▇▇▇. Please include the policy number and the each Insured's full name. Any notice we send to you will be sent to your address shown in the application. Notify us of any change of address. Optional Payment Plan Life insurance OPTIONAL PAYMENT PLANS Death Proceeds, Surrender Value proceeds or surrender value proceeds benefits at maturity will be paid in one lump sum, unless requested otherwise. Any part of the proceeds can be left with us and paid under a payment plan. During the either Insured's life, you can choose a plan. A Beneficiary can choose a plan if you have not chosen one at the insured's deathdeath of the second Insured to die. There are several important payment plan rules: . The payee under a plan cannot be a corporation, association or fiduciary. . If you change a Beneficiary, your plan selection will no longer be in effect unless you request that it continue. . Any choice or change of a plan must be sent in writing to our Home Office. . The amount of each payment under a plan must be at least $50. . Payments will begin either on the date of death of the second Insured to die, on surrender, or on lapsethe Maturity Date, except for payments under Plan 4 which begin at the end of the first interest period. . Payments are backed by assets in our General Account. . The guaranteed amount payable under Plan 2 and Plan 5 is calculated using the 1983 Table `a' with improvement scale G (age nearest birthday), and will earn interest at 3% compounded yearly.

NONPARTICIPATING. This is not a participating policy. No dividends are payable. THE POLICY AND ITS PARTS The Policy with any attached application(s), and any riders and endorsements is a legal contract. It is the entire contract between you and us. An agent cannot change this contract. Any change to it must be in writing and approved by us. Only an authorized officer of the Company can give our approval. We will not use any statement in the original application to deny a claim unless a copy of that application was attached to this Policy when issued or delivered. We will not use any statement in a supplemental application to deny a claim unless a copy of that application was sent to you when the change in coverage went into effect. We will not use any statement in a reinstatement application to deny a claim unless a copy of the reinstatement application was sent to you when the Policy was reinstated. SUICIDE If the either Insured commits suicide, while sane or insane, suicide within two years of the Policy Date, all coverage under the Policy will end, and we will pay a limited amount of proceeds. The limited amount of proceeds will equal all premiums paid on the Policy, less Policy Debt and partial surrenders. We will also provide a single life policy to the surviving Insured. The single life policy will have the same Policy Date as this Policy. The rating class of the single life policy will be the rating class of the surviving Insured under this Policy. We may require increased premiums under the single life policy. The policy or policies we offer will be one offered by us or by an affiliate. If the first Insured to die commits suicide, while sane or insane, suicide more than two years after the policy date Policy Date and within two years after an increase in the Specified Amount became effective, the Specified Amount will be reduced to the amount in effect prior to the increase. Monthly deductions that were made with respect to the increase will be refunded in a lump sum to the Owner. If the second Insured to die commits suicide more than two years after the Policy Date and within two years after an increase in the Specified Amount became effective, the Specified Amount will be reduced to the amount in effect prior to the increase. The amount payable with respect to the increase will equal the monthly deductions that were made for that increase. The amount payable will be treated as Death Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. Any limited amount payable will be treated as Life Insurance Death Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. WRITTEN NOTICE Any written notice to us should be sent to our Home Office at 125 Park Avenue, Sixth Floor, New York, New York 10017-5529. Pl▇▇▇▇ ▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇'▇ ▇▇▇▇ ▇▇▇▇▇. Please include the policy number and the Insured's full name. Any notice we send to you will be sent to your address shown in the application. Notify us of any change of address. Optional Payment Plan Life insurance OPTIONAL PAYMENT PLANS Death Proceeds, Surrender Value proceeds or surrender value proceeds benefits at maturity will be paid in one lump sum, unless requested otherwise. Any part of the proceeds can be left with us and paid under a payment plan. During the either Insured's life, you can choose a plan. A Beneficiary can choose a plan if you have not chosen one at the insured's deathdeath of the second Insured to die. There are several important payment plan rules: . o The payee under a plan cannot be a corporation, association or fiduciary. . o If you change a Beneficiary, your plan selection will no longer be in effect unless you request that it continue. . o Any choice or change of a plan must be sent in writing to our Home Office. . o The amount of each payment under a plan must be at least $50. . o Payments will begin either on the date of death of the second Insured to die, on surrender, or on lapsethe Maturity Date, except for payments under Plan 4 which begin at the end of the first interest period. . o Payments are backed by assets in our General Account. o The guaranteed amount payable under Plan 2 and Plan 5 is calculated using the 1983 Table 'a' with improvement scale G (age nearest birthday), and will earn interest at 3% compounded yearly.

NONPARTICIPATING. This is not a participating policyPolicy. No dividends are payable. The Policy and Its Parts The Policy with any attached application(s), and any riders and endorsements is a legal contract. It is the entire contract between you and us. An agent cannot change this contract. Any change to it must be in writing and approved by us. Only an authorized officer of the Company can give our approval. We will not use any statement in the original application to deny a claim unless a copy of that application was attached to this Policy when issued or delivered. We will not use any statement in a supplemental application to deny a claim unless a copy of that application was sent to you when the change in coverage went into effect. We will not use any statement in a reinstatement application to deny a claim unless a copy of the reinstatement application was sent to you when the Policy was reinstated. Suicide If the either Insured commits suicide, while sane or insane, within two years of the Policy Date, all coverage under the Policy will end, and we will pay a limited refund to the Beneficiary. The amount of proceeds. The limited amount of proceeds the refund will equal all premiums paid on the Policy, less Policy Debt and partial surrenders. If the first Insured commits suicide, while sane or insane, more than two years after the policy date Policy Date and within two years after an increase in the Specified Amount became effective, effective the Specified Amount will be reduced to the amount in effect prior to the increase. The amount payable to the Beneficiary with respect to the increase will equal the monthly deductions that were made for that increase. If the last Insured commits suicide, while sane or insane, more than two years after the Policy Date and within two years after an increase in the Specified Amount became effective, we will limit the amount of proceeds payable with respect to the increase. The limited amount of proceeds with respect to the increase will equal the additional premium payment required for the increase. Any limited amount payable will be treated as Life Insurance Death Proceeds and paid to the Beneficiary under the same conditions as the original Specified Amount. WRITTEN NOTICE Written Notice Any written notice to us should be sent to our Home Office at ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇ ▇▇▇▇▇. Please include the policy Policy number and the each Insured's full name. Any notice we send to you will be sent to your address shown in the applicationlast known address. Notify us of any change of address. Optional Payment Plan Life insurance OPTIONAL PAYMENT PLANS Death Proceeds or surrender value proceeds Surrender Value will be paid in one lump sum, unless requested otherwise. Any part of the proceeds can be left with us and paid under a payment plan. During the either Insured's life, you can choose a plan. A Beneficiary can choose a plan if you have not chosen one at the insured's deathdeath of the second Insured to die. There are several important payment plan rules: . The payee under a plan cannot be a corporation, association or fiduciary. . If you change a Beneficiary, your plan selection will no longer be in effect unless you request that it continue. . Any choice or change of a plan must be sent in writing to our Home Office. . The amount of each payment under a plan must be at least $50. . Payments will begin either on the date of death of the last Insured or on lapsesurrender, except for payments under Plan 4 which begin at the end of the first interest period. . Payments are backed by assets in our General Account.