Common use of TABLE OF RATES Clause in Contracts

TABLE OF RATES. A. RATE TABLE Maximum Monthly Rates per Required Additional Death Age/1/ $1,000 of Net Amount at Risk/2/ Benefit Factor ---------------------------------------------------------------------------- 35 .140 4.2907 36 .147 4.1482 37 .156 4.0105 38 .166 3.8777 39 .178 3.7496 40 .191 3.6262 41 .206 3.5073 42 .221 3.3929 43 .238 3.2827 44 .256 3.1767 45 .277 3.0745 46 .299 2.9762 47 .323 2.8817 48 .349 2.7907 49 .379 2.7031 50 .410 2.6189 51 .446 2.5378 52 .489 2.4599 53 .537 2.3851 54 .592 2.3134 55 .654 2.2448 56 .722 2.1791 57 .794 2.1162 58 .872 2.0560 59 .960 1.9983 60 1.059 1.9431 61 1.169 1.8903 62 1.294 1.8398 63 1.437 1.7916 64 1.598 1.7457 65 1.778 1.7020 1. On a Policy anniversary, "age" means the age of the Insured at his or her birthday nearest that date. That "age" will apply until the next anniversary.

TABLE OF RATES. A. RATE TABLE Maximum Monthly Rates per Required Additional Death Age/1/ $1,000 of Net Amount at Risk/2/ Benefit Factor ---------------------------------------------------------------------------- 35 .140 4.2907 36 .147 4.1482 37 .156 4.0105 38 .166 3.8777 39 .178 3.7496 40 .191 3.6262 41 .206 3.5073 42 .221 3.3929 43 .238 3.2827 44 .256 3.1767 45 .277 3.0745 46 .299 2.9762 47 .323 2.8817 48 .349 2.7907 49 .379 2.7031 50 .410 2.6189 51 .446 2.5378 52 .489 2.4599 53 .537 2.3851 54 .592 2.3134 55 .654 2.2448 56 .722 2.1791 57 .794 2.1162 58 .872 2.0560 59 .960 1.9983 60 1.059 1.9431 61 1.169 1.8903 62 1.294 1.8398 63 1.437 1.7916 64 1.598 1.7457 65 1.778 1.702066 1.971 1.6605 67 2.180 1.6211 68 2.406 1.5835 69 2.653 1.5477 70 2.932 1.5136 71 3.301 1.4811 72 3.617 1.4507 73 4.041 1.4216 74 4.520 1.3943 75 5.037 1.3688 76 5.590 1.3449 77 6.175 1.3225 78 6.786 1.3014 79 7.440 1.2815 80 8.162 1.2626 81 8.973 1.2447 82 9.898 1.2277 83 10.952 1.2118 84 12.118 1.1971 85 13.374 1.1835 86 14.698 1.1709 87 16.081 1.1593 88 17.496 1.1484 89 18.966 1.1381 90 20.512 1.1282 91 22.165 1.1183 92 23.987 1.1084 93 26.066 1.0980 94 28.784 1.0869 95 32.817 1.0748 96 39.642 1.0616 97 53.066 1.0476 98 83.333 1.0334 99 83.333 1.0198 100+ 0.000 1.0000 1. On a Policy anniversary, "age" means the age of the Insured at his or her birthday nearest that date. That "age" will apply until the next anniversary.