AMENDMENT No. 4
to the Yearly Renewable Term Reinsurance Agreement Effective August 1, 1983
between
CENTURY LIFE OF AMERICA
and
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
It is agreed by the two companies as follows:
1. The following Article 1 entitled APPLICATION OF AGREEMENT will be substituted
for the corresponding article of this agreement:
Article 1
---------
APPLICATION OF AGREEMENT
------------------------
Reinsurance under this agreement will be limited to the mortality risk
portion of insurance issued by Century Life on its Universal Life plans
listed below and will include policies issued in exchange of policies
originally issued by Century Life, provided such original insurance is
reinsured in Connecticut General at the time of exchange.
Adjustable Life
UniVers-All Life II
Universal Life (Form No. UL2000)
Variable Universal Life (Form No. VUL2000)
2. The attached Schedule D will be substituted for the corresponding Schedule D
attached to this agreement.
This amendment will be effective for policies issued with policy dates of
August 1, 1998 or later.
In witness whereof, this amendment is signed in duplicate on the dates indicated
at the home office of each Company.
CENTURY LIFE OF AMERICA
By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ ▇▇.
--------------------------
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ ▇▇.
Date 12-12 1988
------------------ ----
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇
---------------------------
▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇▇
Dated Oct. 26 1988
------------------ ----
SCHEDULE D
----------
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
------------------------------------------
Special Century Life Universal Life Program
Non-Experience Rated Basis
Applicable to reinsurance of new business on the Adjustable Life plan.
Life Reinsurance: Premium rates are shown on pages 2 to 5 of this section. The
total life reinsurance premium on standard cessions and on those substandard
cessions with a percentage rating consists of the appropriate rate per $1,000
applied to the amount at risk. Substandard extra premiums are direct multiples
of the standard life premium. On substandard cessions involving flat extra
premiums payable for more than five years, the reinsurance flat extra premium is
20% of the reinsured portion of the gross flat extra premium charged on the
original policy in the first year and 75% in renewal years. When the flat extra
premium is payable for five years or less, the reinsurance flat extra premium is
75% in all years. Reinsurance premiums on substandard risks will revert to the
standard risk basis on the policy anniversary on which the insured attains age
65 or on the 20th policy anniversary, whichever is later.
For joint life cessions with proceeds payable at the first death where the
amount of reinsurance is the same for all lives covered, the total life
reinsurance premium is 95% of the sum of the attained age single life rates
applied to the amount at risk. In all other situations the reinsurance premiums
are calculated as for single life cessions for each life covered.
Disability Waiver of Premium: The monthly waiver of premium rates are shown on
page 6 of this section. In the first policy year the reinsurance premium is
zero. In renewal years the reinsurance premium equals 90% of the gross
disability premium charged on the original policy.
TERM RENEWALS AND TERM CONVERSIONS
----------------------------------
Term renewals and term conversions are considered as continuations of the
original insurance for the purpose of determining the duration and appropriate
premiums thereon.
SCHEDULE D - SECTION I, Page 1
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL NONSMOKER MALE RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED RENEWAL
AGE PREMIUM
-------- -------
20 1.44
21 1.46
22 1.47
23 1.49
24 1.50
25 1.52
26 1.54
27 1.55
28 1.57
29 1.58
30 1.60
31 1.62
32 1.63
33 1.65
34 1.67
35 1.70
36 1.72
37 1.74
38 1.78
39 1.82
40 1.88
41 2.01
42 2.19
43 2.39
44 2.62
45 2.86
46 3.13
47 3.42
48 3.74
49 4.10
50 4.48
51 4.88
52 5.31
53 5.78
54 6.30
55 6.87
56 7.50
57 8.19
58 8.94
59 9.74
60 10.64
61 11.67
62 12.82
63 14.06
64 15.44
65 16.95
66 18.63
67 20.47
68 22.50
69 24.73
70 27.18
71 29.86
72 32.82
73 36.07
74 39.65
75 43.57
76 47.89
77 52.62
78 57.84
79 63.56
80 69.86
81 76.78
82 84.38
83 92.73
84 101.91
85 112.00
86 122.99
87 134.89
88 147.69
89 161.39
90 176.00
91 191.51
92 207.93
93 225.25
94 243.47
THE FIRST YEAR REINSURANCE PREMIUM IS ZERO
JUNE 1984
NO ANNUAL FEE IS APPLICABLE
SCHEDULE D - SECTION I, Page 2
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL NONSMOKER FEMALE RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED RENEWAL
AGE PREMIUM
-------- -------
20 0.84
21 0.85
22 0.86
23 0.89
24 0.91
25 0.95
26 1.01
27 1.06
28 1.10
29 1.15
30 1.20
31 1.25
32 1.33
33 1.41
34 1.48
35 1.54
36 1.60
37 1.62
38 1.69
39 1.74
40 1.83
41 1.98
42 2.17
43 2.38
44 2.62
45 2.82
46 3.06
47 3.26
48 3.49
49 3.73
50 3.99
51 4.18
52 4.35
53 4.55
54 4.77
55 5.05
56 5.34
57 5.66
58 6.01
59 6.38
60 6.70
61 7.30
62 7.86
63 8.45
64 9.08
65 9.78
66 10.50
67 11.22
68 12.02
69 12.95
70 14.12
71 15.36
72 16.70
73 18.21
74 20.06
75 22.29
76 24.89
77 27.74
78 31.01
89 34.69
80 38.93
81 43.60
82 48.67
83 54.29
84 60.62
85 67.74
86 75.88
87 84.87
88 95.13
89 108.13
90 123.85
91 138.44
92 154.62
93 171.82
94 190.76
THE FIRST YEAR REINSURANCE PREMIUM IS ZERO
JUNE 1984
NO ANNUAL FEE IS APPLICABLE
SCHEDULE D - SECTION I, Page 3
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL SMOKER MALE RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED RENEWAL
AGE PREMIUM
-------- -------
1.43
1 1.30
2 1.25
3 1.20
4 1.15
5 1.12
6 1.08
7 1.05
8 1.02
9 1.02
10 1.02
11 1.05
12 1.08
13 1.14
14 1.20
15 1.26
16 1.33
17 1.39
18 1.44
19 1.48
20 1.52
21 1.55
22 1.57
23 1.60
24 1.61
25 1.64
26 1.66
27 1.69
28 1.72
29 1.76
30 1.81
31 1.86
32 1.92
33 1.98
34 2.06
35 2.17
36 2.28
37 2.40
38 2.51
39 2.65
40 2.87
41 3.18
42 3.55
43 3.94
44 4.31
45 4.70
46 5.12
47 5.59
48 6.11
49 6.69
50 7.32
51 8.01
52 8.75
53 9.57
54 10.46
55 11.42
56 12.49
57 13.66
58 14.64
59 15.66
60 16.77
61 18.00
62 19.36
63 20.80
64 22.37
65 24.02
66 26.01
67 28.16
68 30.46
69 32.95
70 35.67
71 30.56
72 41.66
73 45.10
74 48.73
75 52.63
76 57.30
77 62.40
78 68.08
79 74.12
80 80.71
81 88.21
82 96.39
83 105.34
84 115.11
85 125.79
86 137.61
87 150.49
88 163.97
89 178.67
90 194.10
91 209.97
92 226.67
93 244.11
94 282.33
THE FIRST YEAR REINSURANCE PREMIUM IS ZERO
JUNE 1984
NO ANNUAL FEE IS APPLICABLE
SCHEDULE D - SECTION I, Page 4
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL SMOKER FEMALE RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED RENEWAL
AGE PREMIUM
-------- -------
1.34
1 1.29
2 1.16
3 1.11
4 1.07
5 1.02
6 0.98
7 0.96
8 0.94
9 0.92
10 0.91
11 0.89
12 0.87
13 0.86
14 0.85
15 0.84
16 0.84
17 0.85
18 0.86
19 0.87
20 0.88
21 0.90
22 0.92
23 0.94
24 0.97
25 1.02
26 1.08
27 1.13
28 1.19
29 1.25
30 1.31
31 1.38
32 1.48
33 1.60
34 1.73
35 1.83
36 1.92
37 2.00
38 2.09
39 2.19
40 2.37
41 2.60
42 2.85
43 3.09
44 3.36
45 3.65
46 3.96
47 4.31
48 4.70
49 5.12
50 5.59
51 6.11
52 6.59
53 6.90
54 7.25
55 7.68
56 8.14
57 8.65
58 9.20
59 9.78
60 10.40
61 11.00
62 11.61
63 12.25
64 12.92
65 13.64
66 14.45
67 15.23
68 16.06
69 17.07
70 18.33
71 19.64
72 21.00
73 22.58
74 24.45
75 26.74
76 29.60
77 32.73
78 36.30
79 40.27
80 44.80
81 49.96
82 55.42
83 61.56
84 68.29
85 75.99
86 84.81
87 94.52
88 105.56
89 119.55
90 136.42
91 151.69
92 168.39
93 186.05
94 205.30
THE FIRST YEAR REINSURANCE PREMIUM IS ZERO
JUNE 1984
NO ANNUAL FEE IS APPLICABLE
SCHEDULE D - SECTION I, Page 5
Waiver of Monthly Deduction
Age Rate Age Rate Age Rate Age Rate Age Rate
--- ---- --- ---- --- ---- --- ---- --- ----
0 .10 15 .10 30 .10 45 .22 60 1.03*
1 .10 16 .10 31 .10 46 .25 61 1.03*
2 .10 17 .10 32 .10 47 .28 62 .98*
3 .10 18 .10 33 .10 48 .32 63 .81*
4 .10 19 .10 34 .10 49 .38 64 .42*
5 .10 20 .10 35 .11 50 .45
6 .10 21 .10 36 .11 51 .55
7 .10 22 .10 37 .12 52 .67
8 .10 23 .10 38 .13 53 .84
9 .10 24 .10 39 .14 54 1.06
10 .10 25 .10 40 .14 55 1.34
11 .10 26 .10 41 .15 56 1.65*
12 .10 27 .10 42 .17 57 1.99*
13 .10 28 .10 43 .18 58 2.40*
14 .10 29 .10 44 .20 59 2.86*
* For renewal only
SCHEDULE D - SECTION I, Page 6
SCHEDULE D
----------
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
------------------------------------------
Special Century Life Universal Life Program
Non-Experience Rated Basis
Applicable to reinsurance of exchanges to the Adjustable Life plan.
Life Reinsurance: Premium rates are shown on pages 2 to 5 of this section. The
total life reinsurance premium on standard cessions and on those substandard
cessions with a percentage rating consists of the appropriate rate per $1,000
applied to the amount at risk. Substandard extra premiums are direct multiples
of the standard life premium. On substandard cessions involving flat extra
premiums payable for more than five years, the reinsurance flat extra premium is
20% of the reinsured portion of the gross flat extra premium charged on the
original policy in the first year and 75% in renewal years. When the flat extra
premium is payable for five years or less, the reinsurance flat extra premium is
75% in all years. Reinsurance premiums on substandard risks will revert to the
standard risk basis on the policy anniversary on which the insured attains age
65 or on the 20th policy anniversary, whichever is later.
For joint life cessions with proceeds payable at the first death where the
amount of reinsurance is the same for all lives covered, the total life
reinsurance premium is 95% of the sum of the attained age single life rates
applied to the amount at risk. In all other situations the reinsurance premiums
are calculated as for single life cessions for each life covered.
Disability waiver of Premium: The monthly waiver of premium rates are shown on
page 6 of this section. In all years the reinsurance premium equals 90% of the
gross disability premium charged on the original policy.
EXCHANGES, TERM RENEWALS AND TERM CONVERIONS
--------------------------------------------
Exchange, term renewals and term conversions are considered as continuations of
the original insurance for the purpose of determining the duration and
appropriate premiums thereon.
SCHEDULE D - SECTION II, Page 1
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL/MALE NONSMOKER RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED
AGE PREMIUM
-------- -------
20 1.60
21 1.62
22 1.64
23 1.66
24 1.67
25 1.69
26 1.71
27 1.73
28 1.74
29 1.76
30 1.78
31 1.80
32 1.82
33 1.83
34 1.86
35 1.89
36 1.91
37 1.94
38 1.98
39 2.02
40 2.09
41 2.23
42 2.44
43 2.66
44 2.91
45 3.18
46 3.48
47 3.80
48 4.16
49 4.56
50 4.98
51 5.43
52 5.91
53 6.43
54 7.01
55 7.65
56 8.35
57 9.11
58 9.94
59 10.84
60 11.84
61 12.99
62 14.26
63 15.65
64 17.18
65 18.86
66 20.73
67 22.78
68 25.03
69 27.51
70 30.23
71 33.22
72 36.52
73 40.13
74 44.11
75 48.47
76 53.26
77 55.54
78 64.35
79 70.71
80 77.71
81 85.41
82 93.87
83 103.16
84 113.38
85 124.60
86 136.83
87 150.08
88 164.30
89 179.55
90 195.80
91 213.06
92 231.32
93 250.59
94 270.86
4/5/84
SCHEDULE D - SECTION II, Page 2
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL/FEMALE NONSMOKER RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED
AGE PREMIUM
-------- -------
20 0.93
21 0.94
22 0.96
23 0.99
24 1.01
25 1.06
26 1.12
27 1.17
28 1.23
29 1.28
30 1.34
31 1.39
32 1.48
33 1.57
34 1.65
35 1.72
36 1.78
37 1.81
38 1.88
39 1.94
40 2.04
41 2.20
42 2.41
43 2.64
44 2.91
45 3.13
46 3.41
47 3.63
48 3.88
49 4.15
50 4.44
51 4.65
52 4.84
53 5.06
54 5.30
55 5.62
56 5.95
57 6.30
58 6.68
59 7.09
60 7.55
61 8.12
62 8.75
63 9.40
64 10.10
65 10.88
66 11.69
67 12.49
68 13.38
69 14.41
70 15.71
71 17.09
72 18.57
73 20.26
74 22.32
75 24.80
76 27.69
77 30.87
78 34.50
89 38.59
80 43.31
81 48.51
82 54.15
83 60.40
84 67.44
85 75.37
86 84.42
87 94.42
88 105.83
89 120.29
90 137.78
91 154.01
92 172.01
93 191.15
94 212.22
4/5/84
SCHEDULE D - SECTION II, Page 3
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL/MALE SMOKER RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED
AGE PREMIUM
-------- -------
1.24
1 1.20
2 1.09
3 1.04
4 1.00
5 0.97
6 0.93
7 0.91
8 0.89
9 0.88
10 0.89
11 0.91
12 0.94
13 0.99
14 1.04
15 1.10
16 1.15
17 1.20
18 1.26
19 1.28
20 1.32
21 1.34
22 1.37
23 1.39
24 1.40
25 1.42
26 1.45
27 1.47
28 1.50
29 1.53
30 1.58
31 1.62
32 1.67
33 1.72
34 1.79
35 1.88
36 1.99
37 2.09
38 2.18
39 2.31
40 2.50
41 2.76
42 3.09
43 3.42
44 3.74
45 4.08
46 4.45
47 4.85
48 5.31
49 5.81
50 6.36
51 6.96
52 7.61
53 8.31
54 9.09
55 9.93
56 10.86
57 11.87
58 12.72
59 13.61
60 14.57
61 15.64
62 16.83
63 18.07
64 19.44
65 20.82
66 22.61
67 24.47
68 28.47
69 28.64
70 31.00
71 33.51
72 29.64
73 39.19
74 42.35
75 45.73
76 49.80
77 54.22
78 59.17
79 64.42
80 70.14
81 76.66
82 83.77
83 91.55
84 100.04
85 109.32
86 119.59
87 130.78
88 142.50
89 155.27
90 168.68
91 182.48
92 196.99
93 212.15
94 227.98
SCHEDULE D - SECTION II, Page 4
CONNECTICUT GENERAL LIFE INSURANCE COMPANY
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS PER $1000
SPECIAL LUTHERAN MUTUAL/FEMALE NONSMOKER RATES
NONEXPERIENCED RATED AGE LAST BIRTHDAY
ATTAINED
AGE PREMIUM
-------- -------
1.17
1 1.12
2 1.01
3 0.96
4 0.93
5 0.89
6 0.85
7 0.83
8 0.82
9 0.80
10 0.79
11 0.77
12 0.76
13 0.74
14 0.74
15 0.73
16 0.73
17 0.74
18 0.74
19 0.75
20 0.77
21 0.78
22 0.80
23 0.82
24 0.85
25 0.88
26 0.93
27 0.99
28 1.04
29 1.09
30 1.14
31 1.20
32 1.28
33 1.39
34 1.50
35 1.59
36 1.67
37 1.74
38 1.82
39 1.91
40 2.06
41 2.26
42 2.47
43 2.69
44 2.92
45 3.18
46 3.45
47 3.74
48 4.08
49 4.45
50 4.85
51 5.31
52 5.72
53 5.99
54 6.30
55 6.67
56 7.07
57 7.52
58 7.99
59 6.50
60 9.04
61 9.56
62 10.09
63 10.64
64 11.32
65 11.86
66 12.56
67 13.23
68 13.96
69 14.53
70 15.93
71 17.07
72 18.25
73 19.62
74 21.25
75 23.24
76 25.73
77 28.44
78 31.55
79 35.00
80 38.93
81 43.42
82 48.17
83 53.49
84 59.35
85 66.04
86 73.71
87 82.14
88 91.74
89 103.89
90 118.56
91 131.79
92 146.34
93 161.69
94 178.49
SCHEDULE D - SECTION II, Page 5
Waiver of Monthly Deduction
Age Rate Age Rate Age Rate Age Rate Age Rate
--- ---- --- ---- --- ---- --- ---- --- ----
0 .10 15 .10 30 .10 45 .22 60 1.03*
1 .10 16 .10 31 .10 46 .25 61 1.03*
2 .10 17 .10 32 .10 47 .28 62 .98*
3 .10 18 .10 33 .10 48 .32 63 .81*
4 .10 19 .10 34 .10 49 .38 64 .42*
5 .10 20 .10 35 .11 50 .45
6 .10 21 .10 36 .11 51 .55
7 .10 22 .10 37 .12 52 .67
8 .10 23 .10 38 .13 53 .84
9 .10 24 .10 39 .14 54 1.06
10 .10 25 .10 40 .14 55 1.34
11 .10 26 .10 41 .15 56 1.65*
12 .10 27 .10 42 .17 57 1.99*
13 .10 28 .10 43 .18 58 2.40*
14 .10 29 .10 44 .20 59 2.86*
* For renewal only
SCHEDULE D - SECTION II, Page 6
SCHEDULE D
----------
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
------------------------------------------
Special Century Life Universal Life Program
Non-Experience Rated Basis
Applicable to reinsurance of the UniVers-All Life II plan.
Life Reinsurance: Century Life's Cost of Insurance (COI) rates are shown on
Pages 2 and 3 of this section. The total life reinsurance premium on standard
cessions and on those substandard cessions with a percentage rating consists of
the correct Percentage from the following table of the appropriate rate per
$1,000 applied to the amount at risk. Substandard extra premiums are direct
multiples of the standard life premium. On substandard cession involving flat
extra premiums payable for more than five years, the reinsurance flat extra
premium is 20% of the reinsured portion of the gross flat extra premium charged
on the original policy in the first year and 75% in renewal years. When the flat
extra premium is payable for five years or less, the reinsurance flat extra
premium is 75% in all years. Reinsurance premiums on substandard risks will
revert to the standard risk basis on the policy anniversary on which the insured
attains age 65 or on the 20th policy anniversary, whichever is later.
YRT Rates Expressed as a
Percentage of UniVers-All II
Current COI Rates
----------------------------
Type of Business Duration Non-Smoker and Smoker
------------------ -------- ---------------------
New Issues 1 25%
2+ 95%
Exchanges All 95%
Disability Waiver of Premium: In the first policy year the reinsurance premium
is zero. In renewal years the reinsurance premium equals 90% of the gross
disability premium charged on the original policy.
SCHEDULE D - SECTION III, Page 1
UNIVERS-ALL LIFE II COST OF INSURANCE RATES
ANNUAL RATES PER $1000
MALE FEMALE
================================= ======================================
ATT -------CURRENT------ -------CURRENT------ ATT
AGE GUARANTEED STANDARD NONSMOKER GUARANTEED STANDARD NONSMOKER AGE
0 4.64 1.70 3.94 1.58 0
1 1.64 1.64 1.54 1.54 1
2 1.49 1.49 1.38 1.38 2
3 1.43 1.43 1.32 1.32 3
4 1.37 1.37 1.27 1.27 4
5 1.33 1.33 1.22 1.22 5
6 1.28 1.28 1.17 1.17 6
7 1.25 1.25 1.14 1.14 7
8 1.22 1.22 1.12 1.10 8
9 1.21 1.20 1.11 1.06 9
10 1.22 1.20 1.12 1.03 10
11 1.25 1.20 1.13 1.01 11
12 1.29 1.21 1.15 .99 12
13 1.36 1.23 1.19 .97 13
14 1.43 1.26 1.24 .96 14
15 1.50 1.30 1.29 .95 15
16 1.58 1.34 1.36 .95 16
17 1.65 1.37 1.43 .96 17
18 1.72 1.37 1.50 .97 18
19 1.76 1.37 1.58 .98 19
20 1.81 1.37 1.37 1.65 1.00 1.00 20
21 1.84 1.37 1.37 1.72 1.01 1.01 21
22 1.87 1.37 1.37 1.76 1.03 1.03 22
23 1.90 1.37 1.37 1.81 1.05 1.05 23
24 1.92 1.37 1.37 1.84 1.07 1.07 24
25 1.95 1.39 1.37 1.87 1.09 1.08 25
26 1.98 1.41 1.37 1.90 1.13 1.11 26
27 2.01 1.48 1.39 1.92 1.17 1.14 27
28 2.05 1.56 1.41 1.95 1.22 1.18 28
29 2.10 1.67 1.43 1.98 1.25 1.21 29
30 2.16 1.77 1.45 2.01 1.33 1.25 30
31 2.22 1.82 1.47 2.05 1.37 1.28 31
32 2.29 1.87 1.50 2.10 1.43 1.32 32
33 2.36 1.94 1.52 2.16 1.53 1.36 33
34 2.45 2.03 1.56 2.22 1.61 1.40 34
35 2.58 2.11 1.59 2.29 1.69 1.44 35
36 2.72 2.19 1.61 2.36 1.76 1.48 36
37 2.90 2.27 1.64 2.45 1.83 1.52 37
38 3.13 2.36 1.67 2.58 1.92 1.57 38
39 3.39 2.46 1.70 2.72 2.01 1.62 39
40 3.68 2.58 1.76 2.90 2.16 1.67 40
41 4.00 2.82 1.88 3.13 2.37 1.79 41
42 4.35 3.13 2.06 3.39 2.64 1.96 42
43 4.72 3.43 2.24 3.68 2.92 2.13 43
44 5.13 3.77 2.45 4.00 3.21 2.30 44
45 5.59 4.16 2.68 4.35 3.48 2.47 45
46 6.09 4.54 2.90 4.72 3.71 2.61 46
47 6.65 4.97 3.15 5.13 3.92 2.72 47
48 7.27 5.44 3.43 5.59 4.10 2.93 48
49 7.96 5.94 3.71 4.30 2.94 49
SCHEDULE D - SECTION III, Page 2
UNIVERS-ALL LIFE II COST OF INSURANCE RATES
ANNUAL RATES PER $1000
MALE FEMALE
================================= ======================================
ATT -------CURRENT------ -------CURRENT------ ATT
AGE GUARANTEED STANDARD NONSMOKER GUARANTEED STANDARD NONSMOKER AGE
50 8.71 6.49 4.03 6.65 4.48 3.05 50
51 9.53 7.13 4.40 7.27 4.80 3.25 51
52 10.42 7.83 4.80 7.96 5.12 3.45 52
53 11.39 8.59 5.22 8.71 5.47 3.67 53
54 12.45 9.42 5.69 9.53 5.86 3.92 54
55 13.60 10.34 6.21 10.42 6.33 4.22 55
56 14.87 11.24 6.88 11.39 6.86 4.57 56
57 16.26 12.20 7.64 12.45 7.44 4.96 57
58 17.79 13.26 8.47 13.60 8.09 5.39 58
59 19.46 14.41 9.40 14.87 8.80 5.86 59
60 21.28 15.65 10.43 16.26 9.56 6.38 60
61 23.26 17.00 11.58 17.79 10.23 6.96 61
62 25.43 18.46 12.83 19.46 10.91 7.59 62
63 27.79 20.06 14.24 21.28 11.65 8.27 63
64 30.38 21.78 15.79 23.26 12.42 9.00 64
65 33.22 23.66 17.53 25.43 13.27 9.83 65
66 36.36 25.78 19.38 27.79 14.15 10.64 66
67 39.82 28.09 21.44 30.38 15.03 11.46 67
68 43.60 30.61 23.74 33.22 15.98 12.39 68
69 47.65 33.33 26.27 36.36 17.10 13.46 69
70 51.91 36.32 29.05 39.82 18.49 14.79 70
71 56.34 39.50 32.13 43.60 19.95 16.22 71
72 60.89 42.96 35.54 47.65 21.48 17.77 72
73 65.61 46.75 39.26 51.91 23.24 19.52 73
74 70.65 50.82 43.41 56.34 25.33 21.66 74
75 76.16 55.79 48.50 60.89 28.17 24.50 75
76 82.31 61.62 54.07 65.61 31.65 27.78 76
77 89.22 68.07 60.28 70.65 35.52 31.45 77
78 96.93 75.24 67.12 76.16 39.94 35.66 78
79 105.35 83.11 74.83 82.31 44.96 40.51 79
80 114.39 91.77 83.40 89.22 50.74 46.14 80
81 123.95 101.63 92.88 96.93 57.37 52.41 81
82 133.92 112.53 103.43 105.35 64.50 59.31 82
83 144.30 124.48 115.05 114.39 72.54 67.00 83
84 155.12 137.85 120.12 123.95 81.57 75.85 84
85 166.47 152.67 142.68 133.92 92.00 85.94 85
86 178.39 168.87 158.48 144.30 103.88 97.41 86
87 181.02 186.79 175.72 155.12 117.06 110.20 87
88 204.57 204.43 193.39 166.47 131.43 124.20 88
89 219.37 220.38 209.03 178.39 147.25 139.68 89
90 235.82 234.03 222.82 191.02 164.29 156.44 90
91 254.44 246.36 235.93 264.57 177.72 170.20 91
92 275.82 261.30 251.60 219.37 193.92 186.81 92
93 300.67 283.40 274.59 235.82 215.81 209.10 93
94 330.70 310.33 302.42 254.44 242.76 236.60 94
SCHEDULE D - SECTION III, Page 3
SCHEDULE D
----------
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
------------------------------------------
Special Universal Life Program, Non-Experience Rated Basis
Applicable to policies issued on the Universal Life (Form No. UL2000) plan.
Life Reinsurance: Century Life's Cost of Insurance (COI) rates are shown on
Pages 2, 3 and 4 of this section. The total life reinsurance premium on standard
cessions and on those substandard cessions with a percentage rating consists of
the correct percentage from the following table of the appropriate rate per
$1,000 applied to the amount at risk. Substandard extra premiums are direct
multiples of the standard life premium. On substandard cessions involving flat
extra premiums payable for more than five years, the reinsurance flat extra
premium is 20% of the reinsured portion of the gross flat extra premium charged
on the original policy in the first year and 75% in renewal years. When the flat
extra premium is payable for five years or less, the reinsurance flat extra
premium is 75% in all years. Reinsurance premiums on substandard risks will
revert to the standard risk basis on the policy anniversary on which the insured
attains age 65 or on the 20th policy anniversary, whichever is later.
YRT Rates Expressed as a
Percentage of Century Life's
Current Term (UL2000) Charges
-----------------------------
Type of Business Duration Non-Smoker Smoker
---------------- -------- ---------- ------
New Issues 1 -0- -0-
2+ 84.5% 77.5%
Exchanges, Conversions All 89% 86%
Disability Waiver of Premium: In the first policy year the reinsurance premium
is zero. In renewal years the reinsurance premium equals 90% of the gross
disability premium charged on the original policy.
Accidental Death Benefit: In all policy years the rate is $.65 per thousand,
provided that the benefit for death by accidental means terminates no later than
the insured's attained insurance age 70.
Other Insured Rider: Premium rates for the Other Insured Rider will be
calculated the same as the base plan to which it is attached.
Automatic Increase Rider: Premium rates will be calculated based on the current
attained age of the insured and the duration since original issue of the policy
to which the rider is attached.
SCHEDULE D - SECTION IV, Page 1
UL2000 Form 5300 Current TERM CHARGES FOR DURATIONS 1-10 PAGE 1
ATT
AGE MALE FEMALE
==== ====== ==========
0 1.05 .86
1 1.03 .84
2 .99 .80
3 .97 .78
4 .93 .77
5 .88 .75
6 .83 .73
7 .78 .71
8 .75 .70
9 .74 .69
10 .75 .68
11 .81 .70
12 .92 .73
13 1.07 .77
14 1.22 .82
15 1.36 .86
16 1.48 .90
17 1.57 .93
18 1.63 .96
19 1.67 .99
ATT -----MALE----- -----FEMALE----
AGE SMOKER NS SMOKER NS
=== ====== ===== ====== =====
20 1.68 1.68 1.01 1.01
21 1.76 1.66 1.06 1.03
22 1.82 1.63 1.10 1.04
23 1.87 1.59 1.16 1.06
24 1.92 1.55 1.21 1.08
25 1.94 1.50 1.27 1.10
26 1.99 1.47 1.34 1.12
27 2.05 1.45 1.40 1.14
28 2.05 1.44 1.45 1.16
29 2.08 1.44 1.51 1.20
30 2.13 1.45 1.58 1.21
31 2.20 1.48 1.64 1.25
32 2.29 1.52 1.71 1.28
33 2.41 1.58 1.80 1.32
34 2.55 1.65 1.90 1.37
35 2.72 1.73 2.01 1.43
36 2.92 1.82 2.18 1.53
37 3.17 1.94 2.38 1.64
38 3.45 2.07 2.58 1.75
39 3.77 2.21 2.83 1.88
40 4.14 2.38 3.13 2.04
41 4.54 2.56 3.41 2.21
42 4.98 2.75 3.72 2.38
43 5.46 2.96 4.00 2.55
44 5.99 3.19 4.31 2.72
45 6.55 3.45 4.59 2.90
46 7.13 3.73 4.92 3.10
47 7.76 4.03 5.27 3.32
48 8.44 4.36 5.59 3.54
49 9.18 4.72 5.99 3.80
50 10.00 5.13 6.43 4.08
51 10.57 5.49 6.55 4.16
52 11.20 5.89 6.74 4.28
53 11.87 6.31 6.87 4.47
54 12.53 6.72 7.02 4.57
55 13.20 7.13 7.11 4.66
56 14.00 7.79 7.69 5.07
57 14.77 8.46 8.26 5.53
58 15.55 9.21 8.84 6.04
59 16.37 10.00 9.41 6.58
60 17.24 10.89 9.99 7.19
61 18.42 11.74 10.83 7.89
62 19.76 12.70 11.80 8.67
63 21.22 13.72 12.81 9.49
64 22.76 14.84 13.76 10.27
65 24.34 15.94 14.55 10.95
66 25.77 17.30 15.08 11.47
67 27.14 18.63 15.42 11.87
68 28.47 19.96 15.71 12.24
69 29.88 21.35 16.12 12.67
70 31.37 22.80 16.79 13.27
71 34.11 24.64 18.05 13.93
72 37.20 26.64 19.31 14.77
73 40.61 28.75 20.56 15.76
74 44.31 30.87 21.82 16.86
75 48.27 32.87 23.08 18.00
76 52.34 36.27 25.62 20.21
77 56.42 39.83 28.26 22.59
78 60.55 43.56 31.07 25.15
79 64.87 47.60 34.09 27.98
80 69.51 52.03 37.51 31.24
81 74.64* 57.01* 41.38* 34.96*
82 80.30* 62.63* 45.79* 39.23*
83 86.43* 68.85* 50.86* 44.10*
84 92.81* 75.56* 56.38* 49.41*
85 99.24* 82.62* 62.24* 55.19*
86 105.54* 89.91* 68.38* 61.36*
87 112.00* 97.34* 74.75* 67.91*
88 118.75* 104.87* 81.40* 74.84*
89 125.46* 112.62* 88.32* 82.20*
* FOR RENEWAL ONLY
SCHEDULE D - SECTION IV, Page 2
Form 5300 Current TERM CHARGES FOR DURATIONS 11+ PAGE 2
ATT
AGE MALE FEMALE
==== ====== ==========
0
1
2
3
4
5
6
7
8
9
10 .55 .48
11 .60 .50
12 .65 .51
13 .78 .57
14 .92 .61
15 1.09 .67
16 1.27 .72
17 1.42 .75
18 1.55 .76
19 1.62 .78
ATT -----MALE----- -----FEMALE----
AGE SMOKER NS SMOKER NS
=== ====== ===== ====== =====
20 1.65 1.65 .78 .78
21 1.72 1.59 .80 .76
22 1.79 1.49 .82 .76
23 1.88 1.39 .85 .75
24 1.94 1.30 .88 .74
25 1.96 1.23 .91 .73
26 1.94 1.18 .94 .73
27 1.93 1.16 .98 .75
28 1.93 1.15 1.02 .75
29 1.95 1.13 1.06 .78
30 1.96 1.11 1.08 .78
31 2.00 1.11 1.14 .79
32 2.03 1.11 1.18 .82
33 2.08 1.11 1.25 .85
34 2.16 1.13 1.32 .88
35 2.25 1.15 1.40 .92
36 2.36 1.18 1.50 .96
37 2.51 1.23 1.60 1.00
38 2.67 1.29 1.70 1.05
39 2.87 1.36 1.85 1.13
40 3.08 1.43 2.02 1.22
41 3.38 1.54 2.24 1.33
42 3.73 1.68 2.51 1.45
43 4.09 1.82 2.79 1.60
44 4.50 1.97 3.11 1.77
45 4.98 2.14 3.41 1.92
46 5.46 2.34 3.71 2.08
47 6.02 2.58 4.02 2.26
48 6.62 2.84 4.32 2.41
49 7.27 3.10 4.64 2.60
50 7.99 3.41 4.98 2.79
51 8.76 3.78 5.30 3.00
52 9.61 4.19 5.60 3.19
53 10.53 4.65 5.94 3.40
54 11.52 5.15 6.30 3.65
55 12.56 5.73 6.74 3.94
56 13.65 6.39 7.20 4.25
57 14.77 7.14 7.76 4.62
58 15.97 7.96 8.31 5.02
59 17.27 8.90 8.93 5.44
60 18.68 9.95 9.61 5.93
61 20.24 11.05 10.32 6.44
62 21.95 12.26 11.06 7.01
63 23.83 13.62 11.88 7.61
64 25.87 15.12 12.72 8.28
65 28.06 16.81 13.65 9.02
66 30.14 18.44 14.55 9.76
67 32.69 20.45 15.40 10.51
68 35.12 22.47 16.35 11.35
69 37.69 24.67 17.44 12.32
70 40.88 27.35 18.82 13.52
71 43.68 29.84 20.33 14.82
72 46.67 32.58 21.93 16.21
73 51.42 36.62 23.75 17.81
74 55.91 40.66 25.96 19.74
75 59.71 44.29 28.63 22.08
76 63.53 47.91 31.64 24.77
77 67.95 52.04 34.94 27.79
78 70.43 54.69 38.59 31.18
79 74.72 58.88 42.71 35.07
80 79.26 63.46 47.41 39.54
81 84.44 68.68 52.51 44.50
82 89.47 73.99 57.91 49.85
83 93.59 78.63 63.79 55.79
84 98.37 84.09 69.85 62.04
85 104.25 90.68 77.86 70.18
86 110.93 98.32 84.25 77.02
87 116.17 104.86 92.01 85.30
88 124.22 114.35 99.66 93.60
89 131.04 122.75 107.97 102.67
90 140.54 133.86 117.27 112.78
91 153.02 147.68 126.51 122.59
92 163.30 159.30 138.59 135.34
93 176.49 173.95 149.24 146.89
94 189.75 188.45 163.74 162.44
SCHEDULE D - SECTION IV, Page 3
Flexible Premium Adjustable Life Insurance Policy
Guaranteed Maximum Term Charges
ATT
AGE MALE FEMALE
==== ====== ==========
0 1.05 .86
1 1.03 .84
2 .99 .80
3 .97 .78
4 .93 .77
5 .88 .75
6 .83 .73
7 .78 .71
8 .75 .70
9 .74 .69
10 .75 .68
11 .81 .70
12 .92 .73
13 1.07 .77
14 1.24 .82
15 1.42 .87
16 1.59 .92
17 1.72 .96
18 1.82 1.00
19 1.88 1.03
ATT -----MALE----- -----FEMALE----
AGE SMOKER NS SMOKER NS
=== ====== ===== ====== =====
20 2.32 1.68 1.17 1.01
21 2.32 1.66 1.19 1.03
22 2.28 1.63 1.22 1.04
23 2.24 1.59 1.25 1.06
24 2.18 1.55 1.28 1.08
25 2.11 1.50 1.31 1.10
26 2.07 1.47 1.36 1.13
27 2.05 1.45 1.40 1.15
28 2.05 1.44 1.45 1.18
29 2.08 1.44 1.51 1.22
30 2.13 1.45 1.58 1.25
31 2.20 1.48 1.64 1.29
32 2.29 1.52 1.71 1.33
33 2.41 1.58 1.80 1.38
34 2.55 1.65 1.90 1.44
35 2.72 1.73 2.01 1.51
36 2.92 1.82 2.18 1.61
37 3.17 1.94 2.38 1.73
38 3.45 2.07 2.61 1.86
39 3.77 2.21 2.86 2.00
40 4.14 2.38 3.16 2.17
41 4.54 2.56 3.48 2.35
42 4.98 2.75 3.80 2.53
43 5.46 2.96 4.12 2.71
44 5.99 3.19 4.44 2.89
45 6.55 3.45 4.78 3.09
46 7.13 3.73 5.13 3.30
47 7.76 4.03 5.49 3.53
48 8.44 4.36 5.88 3.77
49 9.18 4.72 6.31 4.04
50 10.00 5.13 6.77 4.34
51 10.93 5.60 7.26 4.67
52 11.98 6.14 7.82 5.05
53 13.17 6.76 8.44 5.47
54 14.47 7.45 9.07 5.90
55 15.86 8.22 9.72 6.36
56 17.33 9.06 10.36 6.82
57 18.88 9.95 10.96 7.27
58 20.51 10.94 11.55 7.72
59 22.26 12.05 12.18 8.23
60 24.21 13.29 12.93 8.83
61 26.41 14.67 13.87 9.57
62 28.89 16.26 15.08 10.49
63 31.66 18.06 16.55 11.62
64 34.69 20.06 18.19 12.89
65 37.90 22.25 19.92 14.26
66 41.26 24.62 21.68 15.68
67 44.74 27.16 23.38 17.13
68 48.39 29.92 25.19 18.63
69 52.35 32.98 27.06 20.30
70 56.72 36.44 29.18 22.26
71 61.63 40.39 31.98 24.65
72 67.18 44.95 35.41 27.58
73 73.33 50.11 39.49 31.09
74 80.07 55.78 44.14 35.13
75 87.27 61.84 49.22 39.64
76 94.63 68.24 54.62 44.52
77 102.02 74.93 60.26 49.75
78 109.49 81.95 66.22 55.41
79 117.30 89.52 72.71 61.68
80 125.71 97.88 79.98 68.81
81 134.96 107.25 88.23 77.01
82 145.21 117.82 97.61 86.46
83 156.29 129.54 108.44 97.12
84 167.83 142.18 120.18 108.87
85 179.44 155.45 132.65 121.58
86 190.84 169.18 145.75 135.16
87 202.54 183.16 159.35 149.59
88 214.73 197.33 173.52 164.88
89 226.85 211.89 188.25 181.15
90 239.08 227.05 204.58 198.53
91 251.80 243.16 222.16 217.42
92 266.55 260.82 241.66 238.53
93 285.47 281.75 264.56 263.35
94 311.27 309.83 295.23 295.23
SCHEDULE D - SECTION IV, Page 4
SCHEDULE D
----------
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
------------------------------------------
Special Universal Life Program, Non-Experience Rated Basis
Applicable to policies issued on the Variable Universal Life (Form No. VUL2000)
plan.
Life Reinsurance: Century Life's Cost of Insurance (COI) rates are shown on
Pages 2, 3 and 4 of this section. The total life reinsurance premium on standard
cessions and on those substandard cessions with a percentage rating consists of
the correct percentage from the following table of the appropriate rate per
$1,000 applied to the amount at risk. Substandard extra premiums are direct
multiples of the standard life premium. On substandard cessions involving flat
extra premiums payable for more than five years, the reinsurance flat extra
premium is 20% of the reinsured portion of the gross flat extra premium charged
on the original policy in the first year and 75% in renewal years. When the flat
extra premium is payable for five years or less, the reinsurance flat extra
premium is 75% in all years. Reinsurance premiums on substandard risks will
revert to the standard risk basis on the policy anniversary on which the insured
attains age 65 or on the 20th policy anniversary, whichever is later.
YRT Rates Expressed as a
Percentage of Century Life's
Current Term (VUL2000) Charges
------------------------------
Type of Business Duration Non-Smoker Smoker
---------------- -------- ---------- ------
New Issues 1 -0- -0-
2+ 84.5% 77.5%
Exchanges, Conversions All 89% 86%
Disability Waiver of Premium: In the first policy year the reinsurance premium
is zero. In renewal years the reinsurance premium equals 90% of the gross
disability premium charged on the original policy.
Accidental Death Benefit: In all policy years the rate is $.65 per thousand,
provided that the benefit for death by accidental means terminates no later than
the insured's attained insurance age 70.
Other Insured Rider: Premium rates for the Other Insured Rider will be
calculated the same as the base plan to which it is attached.
Automatic Increase Rider: Premium rates will be calculated based on the current
attained age of the insured and the duration since original issue of the policy
to which the rider is attached.
SCHEDULE D - SECTION V, Page 1
VUL 88 TERM CHARGES FOR DURATIONS 1-10 PAGE 1
VUL2000 Form 5200
ATT
AGE MALE FEMALE
==== ====== ==========
0 1.05 .86
1 1.03 .84
2 .99 .80
3 .97 .78
4 .93 .77
5 .88 .75
6 .83 .73
7 .78 .71
8 .75 .70
9 .74 .69
10 .75 .68
11 .81 .70
12 .92 .73
13 1.07 .77
14 1.22 .82
15 1.36 .86
16 1.48 .90
17 1.57 .93
18 1.63 .96
19 1.67 .99
ATT -----MALE----- -----FEMALE----
AGE SMOKER NS SMOKER NS
=== ====== ===== ====== =====
20 1.68 1.68 1.01 1.01
21 1.76 1.66 1.06 1.03
22 1.82 1.63 1.10 1.04
23 1.87 1.59 1.16 1.06
24 1.92 1.55 1.21 1.08
25 1.94 1.50 1.27 1.10
26 1.99 1.47 1.34 1.12
27 2.05 1.45 1.40 1.14
28 2.05 1.44 1.45 1.16
29 2.08 1.44 1.51 1.20
30 2.13 1.45 1.58 1.21
31 2.20 1.48 1.64 1.25
32 2.29 1.52 1.71 1.28
33 2.41 1.58 1.80 1.32
34 2.55 1.65 1.90 1.37
35 2.72 1.73 2.01 1.43
36 2.92 1.82 2.18 1.53
37 3.17 1.94 2.38 1.64
38 3.45 2.07 2.58 1.75
39 3.77 2.21 2.83 1.88
40 4.14 2.38 3.13 2.04
41 4.54 2.56 3.41 2.21
42 4.98 2.75 3.72 2.38
43 5.46 2.96 4.00 2.55
44 5.99 3.19 4.31 2.72
45 6.55 3.45 4.59 2.90
46 7.13 3.73 4.92 3.10
47 7.76 4.03 5.27 3.32
48 8.44 4.36 5.59 3.54
49 9.18 4.72 5.99 3.80
50 10.00 5.13 6.43 4.08
51 10.57 5.49 6.55 4.16
52 11.20 5.89 6.74 4.28
53 11.87 6.31 6.87 4.47
54 12.53 6.72 7.02 4.57
55 13.20 7.13 7.11 4.66
56 14.00 7.79 7.69 5.07
57 14.77 8.46 8.26 5.53
58 15.55 9.21 8.84 6.04
59 16.37 10.00 9.41 6.58
60 17.24 10.89 9.99 7.19
61 18.42 11.74 10.83 7.89
62 19.76 12.70 11.80 8.67
63 21.22 13.72 12.81 9.49
64 22.76 14.84 13.76 10.27
65 24.34 15.94 14.55 10.95
66 25.77 17.30 15.08 11.47
67 27.14 18.63 15.42 11.87
68 28.47 19.96 15.71 12.24
69 29.88 21.35 16.12 12.67
70 31.37 22.80 16.79 13.27
71 34.11 24.64 18.05 13.93
72 37.20 26.64 19.31 14.77
73 40.61 28.75 20.56 15.76
74 44.31 30.87 21.82 16.86
75 48.27 32.87 23.08 18.00
76 52.34* 36.27* 25.62* 20.21
77 56.42* 39.83* 28.26* 22.59
78 60.55* 43.56* 31.07* 25.15
79 64.87* 47.60* 34.09* 27.98
80 69.51* 52.03* 37.51* 31.24
81 74.64* 57.01* 41.38* 34.96*
82 80.30* 62.63* 45.79* 39.23*
83 86.43* 68.85* 50.86* 44.10*
84 92.81* 75.56* 56.38* 49.41*
* FOR RENEWAL ONLY
SCHEDULE D - SECTION V, Page 2
VUL 88 TERM CHARGES FOR DURATIONS 11+ PAGE 2
ATT
AGE MALE FEMALE
==== ====== ==========
0
1
2
3
4
5
6
7
8
9
10 .55 .48
11 .60 .50
12 .65 .51
13 .78 .57
14 .92 .61
15 1.09 .67
16 1.27 .72
17 1.42 .75
18 1.55 .76
19 1.62 .78
ATT -----MALE------- -----FEMALE----
AGE SMOKER NS SMOKER NS
=== ====== ======= ====== =====
20 1.65 1.65 .78 .78
21 1.72 1.59 .80 .76
22 1.79 1.49 .82 .76
23 1.88 1.39 .85 .75
24 1.94 1.30 .88 .74
25 1.96 1.23 .91 .73
26 1.94 1.18 .94 .73
27 1.93 1.16 .98 .75
28 1.93 1.15 1.02 .75
29 1.95 1.13 1.06 .78
30 1.96 1.11 1.08 .78
31 2.00 1.11 1.14 .79
32 2.03 1.11 1.18 .82
33 2.08 1.11 1.25 .85
34 2.16 1.13 1.32 .88
35 2.25 1.15 1.40 .92
36 2.36 1.18 1.50 .96
37 2.51 1.23 1.60 1.00
38 2.67 1.29 1.70 1.05
39 2.87 1.36 1.85 1.13
40 3.08 1.43 2.02 1.22
41 3.38 1.54 2.24 1.33
42 3.73 1.68 2.51 1.45
43 4.09 1.82 2.79 1.60
44 4.50 1.97 3.11 1.77
45 4.98 2.14 3.41 1.92
46 5.46 2.34 3.71 2.08
47 6.02 2.58 4.02 2.26
48 6.62 2.84 4.32 2.41
49 7.27 3.10 4.64 2.60
50 7.99 3.41 4.98 2.79
51 8.76 3.78 5.30 3.00
52 9.61 4.19 5.60 3.19
53 10.53 4.65 5.94 3.40
54 11.52 5.15 6.30 3.65
55 12.56 5.73 6.74 3.94
56 13.65 6.39 7.20 4.25
57 14.77 7.14 7.76 4.62
58 15.97 7.96 8.31 5.02
59 17.27 8.90 8.93 5.44
60 18.68 9.95 9.61 5.93
61 20.24 11.05 10.32 6.44
62 21.95 12.26 11.06 7.01
63 23.83 13.62 11.88 7.61
64 25.87 15.12 12.72 8.28
65 28.06 16.81 13.65 9.02
66 30.14 18.44 14.55 9.76
67 32.69 20.45 15.40 10.51
68 35.12 22.47 16.35 11.35
69 37.69 24.67 17.44 12.32
70 40.88 27.35 18.82 13.52
71 43.68 29.84 20.33 14.82
72 46.67 32.58 21.93 16.21
73 51.42 36.62 23.75 17.81
74 55.91 40.66 25.96 19.74
75 59.71 44.29 28.63 22.08
76 63.53 47.91 31.64 24.77
77 67.95 52.04 34.94 27.79
78 70.43 54.69 38.59 31.18
79 74.72 58.88 42.71 35.07
80 79.26 63.46 47.41 39.54
81 84.44 68.68 52.51 44.50
82 89.47 73.99 57.91 49.85
83 93.59 78.63 63.79 55.79
84 98.37 84.09 69.85 62.04
85 104.25 90.68 77.86 70.18
86 110.93 98.32 84.25 77.02
87 116.17 104.86 92.01 85.30
88 124.22 114.35 99.66 93.60
89 131.04 122.75 107.97 102.67
90 140.54 133.86 117.27 112.78
91 153.02 147.68 126.51 122.59
92 163.30 159.30 138.59 135.34
93 176.49 173.95 149.24 146.89
94 189.75 188.45 163.74 162.44
SCHEDULE D - SECTION V, Page 3
VUL 88 GUARANTEED MAXIMUM TERM CHARGES PAGE 3
ATT
AGE MALE FEMALE
==== ====== ==========
0 1.05 .86
1 1.03 .84
2 .99 .80
3 .97 .78
4 .93 .77
5 .88 .75
6 .83 .73
7 .78 .71
8 .75 .70
9 .74 .69
10 .75 .68
11 .81 .70
12 .92 .73
13 1.07 .77
14 1.24 .82
15 1.42 .87
16 1.59 .92
17 1.72 .96
18 1.82 1.00
19 1.88 1.03
ATT -----MALE------- -----FEMALE-----
AGE SMOKER NS SMOKER NS
=== ====== ======= ====== ======
20 2.32 1.68 1.17 1.01
21 2.32 1.66 1.19 1.03
22 2.28 1.63 1.22 1.04
23 2.24 1.59 1.25 1.06
24 2.18 1.55 1.28 1.08
25 2.11 1.50 1.31 1.10
26 2.07 1.47 1.36 1.13
27 2.05 1.45 1.40 1.15
28 2.05 1.44 1.45 1.18
29 2.08 1.44 1.51 1.22
30 2.13 1.45 1.58 1.25
31 2.20 1.48 1.64 1.29
32 2.29 1.52 1.71 1.33
33 2.41 1.58 1.80 1.38
34 2.55 1.65 1.90 1.44
35 2.72 1.73 2.01 1.51
36 2.92 1.82 2.18 1.61
37 3.17 1.94 2.38 1.73
38 3.45 2.07 2.61 1.86
39 3.77 2.21 2.86 2.00
40 4.14 2.38 3.16 2.17
41 4.54 2.56 3.48 2.35
42 4.98 2.75 3.80 2.53
43 5.46 2.96 4.12 2.71
44 5.99 3.19 4.44 2.89
45 6.55 3.45 4.78 3.09
46 7.13 3.73 5.13 3.30
47 7.76 4.03 5.49 3.53
48 8.44 4.36 5.88 3.77
49 9.18 4.72 6.31 4.04
50 10.00 5.13 6.77 4.34
51 10.93 5.60 7.26 4.67
52 11.98 6.14 7.82 5.05
53 13.17 6.76 8.44 5.47
54 14.47 7.45 9.07 5.90
55 15.86 8.22 9.72 6.36
56 17.33 9.06 10.36 6.82
57 18.88 9.95 10.96 7.27
58 20.51 10.94 11.55 7.72
59 22.26 12.05 12.18 8.23
60 24.21 13.29 12.93 8.83
61 26.41 14.67 13.87 9.57
62 28.89 16.26 15.08 10.49
63 31.66 18.06 16.55 11.62
64 34.69 20.06 18.19 12.89
65 37.90 22.25 19.92 14.26
66 41.26 24.62 21.68 15.68
67 44.74 27.16 23.38 17.13
68 48.39 29.92 25.19 18.63
69 52.35 32.98 27.06 20.30
70 56.72 36.44 29.18 22.26
71 61.63 40.39 31.98 24.65
72 67.18 44.95 35.41 27.58
73 73.33 50.11 39.49 31.09
74 80.07 55.78 44.14 35.13
75 87.27 61.84 49.22 39.64
76 94.63 68.24 54.62 44.52
77 102.02 74.93 60.26 49.75
78 109.49 81.95 66.22 55.41
79 117.30 89.52 72.71 61.68
80 125.71 97.88 79.98 68.81
81 134.96 107.25 88.23 77.01
82 145.21 117.82 97.61 86.46
83 156.29 129.54 108.44 97.12
84 167.83 142.18 120.18 108.87
85 179.44 155.45 132.65 121.58
86 190.84 169.18 145.75 135.16
87 202.54 183.16 159.35 149.59
88 214.73 197.33 173.52 164.88
89 226.85 211.89 188.25 181.15
90 239.08 227.05 204.58 198.53
91 251.80 243.16 222.16 217.42
92 266.55 260.82 241.66 238.53
93 285.47 281.75 264.56 263.35
94 311.27 309.83 295.23 295.23
SCHEDULE D - SECTION V, Page 4