Common use of TABLE OF PERCENTAGES Clause in Contracts

TABLE OF PERCENTAGES. The following table is used in determining the Death Benefit under Option A and Option B above. For Attained Ages not shown, the applicable percentages shall decrease by a ratable portion for each full year. ATTAINED AGE PERCENTAGE ------------ ---------- 0 through 40 250% 45 215% 50 185% Page 9 11 ATTAINED AGE PERCENTAGE ------------ ---------- 55 150% 60 130% 65 120% 70 115% 75 through 90 105% 95 through 99 100% AMOUNT OF INSURANCE PROCEEDS. The Insurance Proceeds will be determined as of the date of the Insured's death and will be equal to:

TABLE OF PERCENTAGES. The following table is used in determining the Death Benefit under Option A and Option B above. For Attained Ages not shown, the applicable percentages shall decrease by a ratable portion for each full year. ATTAINED AGE PERCENTAGE ------------ ---------- 0 through 40 250% Form VL105 Page 8 ATTAINED AGE PERCENTAGE ------------ ---------- 45 215% 50 185% Page 9 11 ATTAINED AGE PERCENTAGE ------------ ---------- 55 150% 60 130% 65 120% 70 115% 75 through 90 105% 95 through 99 100% AMOUNT OF INSURANCE PROCEEDS. The Insurance Proceeds will be determined as of the date of the Insured's death and will be equal to: