Common use of Other Provision Clause in Contracts

Other Provision. A. The commissions specified in this Schedule will not be paid, and the right to receive commissions and the amount of commissions to be paid shall be determined by the Company, under the following circumstances: 1. On policies not listed in this Schedule or Introduced by the Company after the effective-date of this Schedule; and 2. On policies which are changed from the original version, under a policy provision or otherwise, and on certificates/contracts which are issued using cash values of previously issued KILICO (or any of its affiliates) certificates/contracts or are converted or exchanged from previously issued KIUCO (or any of its affiliates) certificates/contracts, either under a policy provision or otherwise. B. The Company reserves the right to change the General Agent upon written request of the owner of the certificate/contracts and redirect future commissions to the new General Agent. C. Upon termination of the General Agent's Agreement for any reason, no further commissions will be paid to the General Agent on certificates/contracts issued under this Schedule. -------------------------------------------------------------------------------- L-8491b (8/99) IM(8/99) KEMP▇▇ ▇▇▇ESTORS LIFE INSURANCE COMPANY 1 Ke▇▇▇▇ ▇▇▇▇▇, Long Grove, IL 60049-0001 - 800/554-5426 Effective Date: September 29, 1999 This Schedule of Commission and Allowances ("Schedule") is part of the agreement to which it is attached. Commissions will be paid on premiums in accordance with the terms of the General Agent's Agreement and the Schedule. ------------------------------------------------------------------------------------------------------------ KEMP▇▇ ▇▇▇TINATIONS LIFE PLUS Up-Front Trail Trail (not available in all states) Premium Compensation Compensation POLICY FORM SERIES L-8387 AND L-8388 Compensation Years 2-7 Years 8+ ------------------------------------------------------------------------------------------------------------ COMMISSION CODE 1 Issue Age 0-85 5.25% None None Issue Age 86-90 2.625% None None COMMISSION CODE 2 Issue Age 0-85 1.00% 1.00% 1.00% Issue Age 86-90 0.50% 0.50% 0.50% ------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------- I. BASIS FOR COMPENSATION A. Premium Compensation will be paid at the percentage shown above upon receipt of initial premium payments for certificates/contracts issued under this Schedule. B. Commissions will be paid as stated above provided that the General Agent's Agreement is in full force and in effect.

Other Provision. A. The commissions specified in this Schedule will not be paid, and the right to receive commissions and the amount of commissions to be paid shall be determined by the Company, under the following circumstances: 1. On policies not listed in this Schedule or Introduced introduced by the Company after the effective-effective date of this Schedule; and 2. On policies which are changed from the original version, under a policy provision or otherwise, and on certificates/contracts which are issued using cash values of previously issued KILICO (or any of its affiliates) certificates/contracts or are converted or exchanged from previously issued KIUCO KILICO (or any of its affiliates) certificates/certificates/ contracts, either under a policy provision or otherwise. B. The Company reserves the right to change the General Agent upon written request of the owner of the certificate/contracts and redirect future commissions to the new General Agent. C. Upon termination of the General Agent's Agreement for any reason, no further commissions will be paid to the General Agent on certificates/certificates/ contracts issued under this Schedule. -------------------------------------------------------------------------------- L-8491b L-8491a (8/99) IM(8/99IM (8/99) KEMP▇▇ ▇▇▇ESTORS LIFE INSURANCE COMPANY 1 Ke▇▇▇▇ ▇▇▇▇▇, Long Grove, IL 60049-0001 - 800/554-5426 Effective Date: September 29, 1999 This Schedule of Commission and Allowances ("Schedule") is part of the agreement to which it is attached. Commissions will be paid on premiums in accordance with the terms of the General Agent's Agreement and the Schedule. ------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------- KEMP▇▇ ▇▇▇TINATIONS LIFE PLUS Up-Front Trail Trail (not available in all states) Premium Compensation Compensation POLICY FORM SERIES L-8387 AND L-8388 Compensation Years Year 2-7 Years Year 8+ ------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------- COMMISSION CODE 1 Issue Age 0-85 5.255.00% None None Issue Age 86-90 2.6252.50% None None COMMISSION CODE 2 Issue Age 0-85 1.00% 1.00% 1.00% Issue Age 86-90 0.50% 0.50% 0.50% ------------------------------------------------------------------------------------------------------------ -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- I. BASIS FOR COMPENSATION A. Premium Compensation will be paid at the percentage shown above upon receipt of initial premium payments for certificates/contracts issued under this Schedule. . B. Commissions will be paid as stated above provided that the General Agent's Agreement Agreements is in full force and in effect. C. Commissions for certificates/contracts issued outside the Company's published guidelines will be negotiated by the Company. D. Trail Compensation will be paid on a calendar quarterly basis to equal the annual percentage shown above. The average monthly balance of cash value less loan account value during a calendar quarter will be used as the basis for valuation of assets. Trail compensation will be paid on account values that are based on premiums which have been in the contract for at least twelve months. E. Trail compensation is not payable on any contract that has been surrendered, or under which a death benefit has been paid. F. 100% of commissions will be charged back on any certificate/contract that is rescinded by the Company or which is terminated using the free-look provision. Commission will be charged back by credit against commissions to be paid in the future and/or by requiring cash repayment by the General Agent. -------------------------------------------------------------------------------- --------------------------------------------------------------------------------

Other Provision. A. The commissions specified in this Schedule will not be paid, and the right to receive commissions and the amount of commissions to be paid shall be determined by the Company, under the following circumstances: 1. On policies not listed in this Schedule or Introduced introduced by the Company after the effective-effective date of this Schedule; and 2. On policies which are changed from the original version, under a policy provision or otherwise, and on certificates/contracts which are issued using cash values of previously issued KILICO (or any of its affiliates) certificates/contracts or are converted or exchanged from previously issued KIUCO KILICO (or any of its affiliates) certificates/contracts, either under a policy provision or otherwise. B. The Company reserves the right to change the General Agent upon written request of the owner of the certificate/contracts and redirect future commissions to the new General Agent. C. Upon termination of the General Agent's Agreement for any reason, no further commissions will be paid to the General Agent on certificates/contracts issued under this Schedule. -------------------------------------------------------------------------------- L-8491b L-8489a (8/99) IM(8/99IM (8/99) 2 SCHEDULE OF COMMISSION AND ALLOWANCES [ZURICH KEMP▇▇ ▇▇▇O] KEMP▇▇ ▇▇▇ESTORS LIFE INSURANCE COMPANY 1 Ke▇▇▇▇ ▇▇▇▇▇, Long Grove, IL 60049-0001 - 800/554-5426 Effective Date: September 29, 1999 This Schedule of Commission and Allowances ("Schedule") is part of the agreement to which it is attached. Commissions will be paid on premiums in accordance with the terms of the General Agent's Agreement and the Schedule. ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------- KEMP▇▇ ▇▇▇TINATIONS LIFE PLUS Up-Front Trail Trail (not available in all states) Premium Compensation Compensation POLICY FORM SERIES Policy Form Series L-8387 AND and L-8388 Compensation Years 2-7 Years 8+ ------------------------------------------------------------------------------------------------------------ COMMISSION CODE ------------------------------------------------------------------------------------------- Commission Code 1 Issue Age 0-85 5.257.00% None None Issue Age 86-90 2.6253.50% None None COMMISSION CODE Commission Code 2 Issue Age 0-85 1.005.00% 0.50% 0.50% Issue Age 86-90 2.50% 0.25% 0.25% Commission Code 3 Issue Age 0-85 1.50% 1.00% 1.00% Issue Age 86-90 0.500.75% 0.50% 0.50% ------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------- -------------------------------------------------------------------------------- I. BASIS FOR COMPENSATION A. Premium Compensation will be paid at the percentage shown above upon receipt of initial premium payments for certificates/contracts issued under this Schedule. . B. Commissions will be paid as stated above provided that the General Agent's Agreement is in full force and in effect. C. Commissions for certificates/contracts issued outside the Company's published guidelines will be negotiated by the Company. D. Trail Compensation will be paid on a calendar quarterly basis to equal the annual percentage shown above. The average monthly balance of cash value less loan account values during a calendar quarter will be used as the basis for valuation of assets. Trail compensation will be paid on account values that are based on premiums which have been in the contract for at least twelve months. E. Trail compensation is not payable on any contract that has been surrendered, or under which a death benefit has been paid. F. 100% of commissions will be charged back on any certificate/contract that rescinded by the Company or which is terminated using the free-look provision. Commission will be charged back by credit against commissions to be paid in the future and/or by requiring cash repayment by the General Agent. --------------------------------------------------------------------------------