{"component": "clause", "props": {"groups": [{"snippet": "For policies reinsured on an automatic basis, reinsurance of increases in amount resulting from contractual policy provisions will be accepted only up to the Automatic Binding Limits shown in Exhibit B. For policies reinsured on a facultative basis, reinsurance will be limited to the ultimate amount shown in the Reinsurer's facultative offer. Reinsurance premiums for contractual increases will be on a point-in-scale basis from the original issue age of the policy.", "size": 32, "snippet_links": [{"key": "policies-reinsured", "type": "clause", "offset": [4, 22]}, {"key": "increases-in-amount", "type": "clause", "offset": [61, 80]}, {"key": "resulting-from", "type": "definition", "offset": [81, 95]}, {"key": "policy-provisions", "type": "definition", "offset": [108, 125]}, {"key": "will-be-accepted", "type": "clause", "offset": [126, 142]}, {"key": "automatic-binding-limits", "type": "clause", "offset": [158, 182]}, {"key": "ultimate-amount", "type": "definition", "offset": [285, 300]}, {"key": "the-reinsurer", "type": "clause", "offset": [310, 323]}, {"key": "reinsurance-premiums", "type": "clause", "offset": [345, 365]}, {"key": "issue-age", "type": "definition", "offset": [444, 453]}, {"key": "of-the-policy", "type": "clause", "offset": [454, 467]}], "samples": [{"hash": "lQTDEDEI47v", "uri": "/contracts/lQTDEDEI47v#contractual-increases", "label": "Automatic Self Administered Yrt Reinsurance Agreement (American National Variable Life Separate Account)", "score": 18.0, "published": true}, {"hash": "l0YE1154txG", "uri": "/contracts/l0YE1154txG#contractual-increases", "label": "Automatic Self Administered Yrt Reinsurance Agreement (American National Variable Life Separate Account)", "score": 17.3258037567, "published": true}, {"hash": "klc4A8jxgJs", "uri": "/contracts/klc4A8jxgJs#contractual-increases", "label": "Automatic Self Administered Yrt Reinsurance Agreement (American National Variable Life Separate Account)", "score": 17.3258037567, "published": true}], "hash": "c863d036438e50528325ecea5a96741f", "id": 1}, {"snippet": "Increases in the Net Amount at Risk of the Base Policy caused by an Automatic Increasing Benefit Rider shall be reinsured as described in Article 5 without regard to the Automatic Binding Limits or the Jumbo Limits shown in Exhibit B, provided that the total of all such increases to the Specified Amount of a single policy does not exceed seven hundred fifty thousand dollars ($750,000).", "size": 29, "snippet_links": [{"key": "net-amount-at-risk", "type": "clause", "offset": [17, 35]}, {"key": "base-policy", "type": "definition", "offset": [43, 54]}, {"key": "caused-by", "type": "clause", "offset": [55, 64]}, {"key": "article-5", "type": "clause", "offset": [138, 147]}, {"key": "automatic-binding-limits", "type": "clause", "offset": [170, 194]}, {"key": "jumbo-limits", "type": "clause", "offset": [202, 214]}, {"key": "exhibit-b", "type": "definition", "offset": [224, 233]}, {"key": "provided-that", "type": "definition", "offset": [235, 248]}, {"key": "the-total", "type": "clause", "offset": [249, 258]}, {"key": "specified-amount", "type": "definition", "offset": [288, 304]}, {"key": "single-policy", "type": "clause", "offset": [310, 323]}], "samples": [{"hash": "kdew1fa2kLI", "uri": "/contracts/kdew1fa2kLI#contractual-increases", "label": "Reinsurance Agreement (Riversource of New York Account 8)", "score": 29.3189601898, "published": true}, {"hash": "jmnO4LGkgu5", "uri": "/contracts/jmnO4LGkgu5#contractual-increases", "label": "Reinsurance Agreement (Riversource of New York Account 8)", "score": 29.3189601898, "published": true}, {"hash": "j5bGZP9hIXf", "uri": "/contracts/j5bGZP9hIXf#contractual-increases", "label": "Reinsurance Agreement (Riversource Variable Life Separate Account)", "score": 29.3189601898, "published": true}], "hash": "6916d0a0a91bfeef48e636e6610b192e", "id": 2}, {"snippet": "For policies reinsured on an automatic basis, reinsurance of increases in amount resulting from contractual policy provisions will be accepted only up to the Automatic Binding Limits shown in Exhibit C.", "size": 8, "snippet_links": [{"key": "policies-reinsured", "type": "clause", "offset": [4, 22]}, {"key": "increases-in-amount", "type": "clause", "offset": [61, 80]}, {"key": "resulting-from", "type": "definition", "offset": [81, 95]}, {"key": "policy-provisions", "type": "definition", "offset": [108, 125]}, {"key": "will-be-accepted", "type": "clause", "offset": [126, 142]}, {"key": "automatic-binding-limits", "type": "clause", "offset": [158, 182]}], "samples": [{"hash": "iGsJ6rPw11g", "uri": "/contracts/iGsJ6rPw11g#contractual-increases", "label": "Reinsurance Agreement (Nationwide VL Separate Account-G)", "score": 30.3237514496, "published": true}, {"hash": "MbBiI1gUrp", "uri": "/contracts/MbBiI1gUrp#contractual-increases", "label": "Automatic Coinsurance Agreement (Vericity, Inc.)", "score": 27.7583847046, "published": true}, {"hash": "87tfMEkVeEk", "uri": "/contracts/87tfMEkVeEk#contractual-increases", "label": "Reinsurance Agreement (COLI VUL-4 Series Account of First Great-West Life & Annuity Insurance CO)", "score": 18.3141689301, "published": true}], "hash": "a6b0ea5d6fa859c027807a6bd1d976b8", "id": 3}, {"snippet": "Pool Reinsurers shall assume increases in risk of reinsured policies arising through contractual provisions, including but not limited to, additional premium deposits, scheduled increases in coverage, and corridor risk amounts on variable insurance contracts.", "size": 5, "snippet_links": [{"key": "reinsured-policies", "type": "definition", "offset": [50, 68]}, {"key": "contractual-provisions", "type": "definition", "offset": [85, 107]}, {"key": "not-limited", "type": "clause", "offset": [123, 134]}, {"key": "premium-deposits", "type": "clause", "offset": [150, 166]}, {"key": "increases-in-coverage", "type": "clause", "offset": [178, 199]}, {"key": "risk-amounts", "type": "clause", "offset": [214, 226]}, {"key": "insurance-contracts", "type": "clause", "offset": [239, 258]}], "samples": [{"hash": "asDTrsUAKGD", "uri": "/contracts/asDTrsUAKGD#contractual-increases", "label": "Reinsurance Agreement (Northwestern Mutual Variable Life Account II)", "score": 21.3162212372, "published": true}, {"hash": "aFQifIKosk2", "uri": "/contracts/aFQifIKosk2#contractual-increases", "label": "Reinsurance Agreement (Northwestern Mutual Variable Life Account)", "score": 18.0, "published": true}, {"hash": "7FzyCBhdFAU", "uri": "/contracts/7FzyCBhdFAU#contractual-increases", "label": "Reinsurance Agreement (Northwestern Mutual Variable Life Account)", "score": 18.0, "published": true}], "hash": "6c0b0a40f0687b7c4b8019591e578977", "id": 4}, {"snippet": "If the amount of life insurance on a Policy is increased, where, (a) the increase is not subject to new underwriting evidence in accordance with the Company\u2019s normal underwriting standards and practices, and (b) the maximum amount of increase was known at the time of issue of the Policy, the increase shall be Automatically reinsured, provided that the new amount does not exceed the Automatic Issue Limits specified in Schedule C, \u201cReinsurance Limits\u201d. The Company and the Reinsurer will generally share the increased amount proportionately. For Facultative cases, the Company and the Reinsurer will mutually agree on the reinsurance and the reporting of the increased amount. Any other contractual increase not subject to new underwriting shall not be reinsured under this Agreement. The Company shall provide the Reinsurer with the Ultimate Amount of insurance applied for on a Policy.", "size": 3, "snippet_links": [{"key": "amount-of-life-insurance", "type": "clause", "offset": [7, 31]}, {"key": "a-policy", "type": "clause", "offset": [35, 43]}, {"key": "subject-to", "type": "definition", "offset": [89, 99]}, {"key": "in-accordance-with", "type": "definition", "offset": [126, 144]}, {"key": "standards-and-practices", "type": "clause", "offset": [179, 202]}, {"key": "amount-of-increase", "type": "clause", "offset": [224, 242]}, {"key": "at-the-time", "type": "clause", "offset": [253, 264]}, {"key": "of-the-policy", "type": "clause", "offset": [274, 287]}, {"key": "provided-that", "type": "definition", "offset": [336, 349]}, {"key": "automatic-issue-limits", "type": "clause", "offset": [385, 407]}, {"key": "schedule-c", "type": "definition", "offset": [421, 431]}, {"key": "reinsurance-limits", "type": "clause", "offset": [434, 452]}, {"key": "the-company-and-the-reinsurer", "type": "clause", "offset": [455, 484]}, {"key": "increased-amount", "type": "definition", "offset": [510, 526]}, {"key": "facultative-cases", "type": "clause", "offset": [548, 565]}, {"key": "mutually-agree", "type": "definition", "offset": [602, 616]}, {"key": "reporting-of", "type": "clause", "offset": [644, 656]}, {"key": "this-agreement", "type": "clause", "offset": [771, 785]}, {"key": "the-company-shall", "type": "clause", "offset": [787, 804]}, {"key": "provide-the", "type": "clause", "offset": [805, 816]}, {"key": "amount-of-insurance", "type": "definition", "offset": [845, 864]}, {"key": "applied-for", "type": "definition", "offset": [865, 876]}], "samples": [{"hash": "8wiWU8m2oS9", "uri": "/contracts/8wiWU8m2oS9#contractual-increases", "label": "Reinsurance Agreement", "score": 27.3408622742, "published": true}, {"hash": "avsOWxbNxvt", "uri": "/contracts/avsOWxbNxvt#contractual-increases", "label": "Modified Coinsurance Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 18.0, "published": true}, {"hash": "4Jtgwvdn9VT", "uri": "/contracts/4Jtgwvdn9VT#contractual-increases", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 17.0, "published": true}], "hash": "556105dcee87f6a85e07a9c6a73064cc", "id": 5}, {"snippet": "Reinsurance of increases in amount resulting from contractual policy provisions will be based on the issue age, mortality rating, underwriting class and duration from issue of the Original Policy. The Ceding Company and the Reinsurer will share the increased amount proportionately. If the reinsurance is Automatic, the amount of reinsurance must not exceed the Automatic Binding or Jumbo Limits shown in Exhibit C. If the reinsurance is Facultative, the amount of reinsurance must not exceed the Ultimate Amount included in the Facultative offer. Any change in the Policy Net Amount at Risk due to changes in the policy\u2019s cash value or account value will be shared proportionately between the Ceding Company and all reinsurers.", "size": 3, "snippet_links": [{"key": "increases-in-amount", "type": "clause", "offset": [15, 34]}, {"key": "resulting-from", "type": "definition", "offset": [35, 49]}, {"key": "policy-provisions", "type": "definition", "offset": [62, 79]}, {"key": "based-on", "type": "definition", "offset": [88, 96]}, {"key": "issue-age", "type": "definition", "offset": [101, 110]}, {"key": "mortality-rating", "type": "clause", "offset": [112, 128]}, {"key": "and-duration", "type": "clause", "offset": [149, 161]}, {"key": "original-policy", "type": "definition", "offset": [180, 195]}, {"key": "the-ceding-company-and-the-reinsurer", "type": "clause", "offset": [197, 233]}, {"key": "increased-amount", "type": "definition", "offset": [249, 265]}, {"key": "amount-of-reinsurance", "type": "clause", "offset": [320, 341]}, {"key": "jumbo-limits", "type": "clause", "offset": [383, 395]}, {"key": "ultimate-amount", "type": "definition", "offset": [497, 512]}, {"key": "change-in", "type": "definition", "offset": [552, 561]}, {"key": "the-policy", "type": "clause", "offset": [562, 572]}, {"key": "net-amount-at-risk", "type": "clause", "offset": [573, 591]}, {"key": "changes-in", "type": "definition", "offset": [599, 609]}, {"key": "cash-value", "type": "definition", "offset": [623, 633]}, {"key": "account-value", "type": "definition", "offset": [637, 650]}], "samples": [{"hash": "kcfoWGVDNNx", "uri": "/contracts/kcfoWGVDNNx#contractual-increases", "label": "Reinsurance Agreement (Farmers Variable Life Separate Account A)", "score": 19.0, "published": true}, {"hash": "5Y5imU9kilN", "uri": "/contracts/5Y5imU9kilN#contractual-increases", "label": "Reinsurance Agreement (Farmers Variable Life Separate Account A)", "score": 17.0, "published": true}], "hash": "8972c89dc02b98d062232a8f53c7f77e", "id": 6}, {"snippet": "15 Effective October 1, 2021, increase step schedule by the increase provided to nurses 16 employed by Legacy Emanuel Hospital and Health Services. 17 Effective October 1, 2022, increase step schedule by the increase provided to nurses 18 employed by Legacy Emanuel Hospital and Health Services. 19 Effective October 1, 2023, increase step schedule by the increase provided to nurses 20 employed by Legacy Emanuel Hospital and Health Services.", "size": 2, "snippet_links": [{"key": "october-1", "type": "definition", "offset": [13, 22]}, {"key": "employed-by", "type": "definition", "offset": [91, 102]}, {"key": "health-services", "type": "definition", "offset": [131, 146]}], "samples": [{"hash": "kswcfrKhs6E", "uri": "/contracts/kswcfrKhs6E#contractual-increases", "label": "Professional Services", "score": 30.5078926086, "published": true}, {"hash": "1UscU4BTIAY", "uri": "/contracts/1UscU4BTIAY#contractual-increases", "label": "Collective Bargaining Agreement", "score": 30.5078926086, "published": true}], "hash": "eed717954e703dbea3ba2ff5d60046f9", "id": 7}, {"snippet": "Effective 6/1/08 \u2013 4% Effective 6/1/09 \u2013 4% There will be an additional payment equal to 0.10% payable on the last day of the contract, May 31, 2010, which will support one-time lump sum payment of $1,000 to individuals in staff and classroom assistant titles with twenty-five (25) or more years of service as of that date.", "size": 2, "snippet_links": [{"key": "additional-payment", "type": "definition", "offset": [61, 79]}, {"key": "equal-to", "type": "definition", "offset": [80, 88]}, {"key": "day-of", "type": "clause", "offset": [115, 121]}, {"key": "the-contract", "type": "definition", "offset": [122, 134]}, {"key": "payment-of", "type": "definition", "offset": [187, 197]}, {"key": "to-individuals", "type": "clause", "offset": [205, 219]}, {"key": "years-of-service", "type": "definition", "offset": [290, 306]}], "samples": [{"hash": "hs3lHKxtGtf", "uri": "/contracts/hs3lHKxtGtf#contractual-increases", "label": "Collective Bargaining Agreement", "score": 17.0, "published": true}, {"hash": "c6x7ba89Ijn", "uri": "/contracts/c6x7ba89Ijn#contractual-increases", "label": "Collective Bargaining Agreement", "score": 17.0, "published": true}], "hash": "964e1f5d11f58e92319b5e7d67fd91d1", "id": 8}, {"snippet": "Reinsurance premium rates for contractual increases such as AIR and GIO will be at an attained age and duration basis. Increases as a consequence of the Company\u2019s automatic increase option on its pension policies are discussed in Exhibit C-I. If an increase results in a rate band change, it is understood that the original base amount will be maintained on the original band rates, however the increased portion that crosses over to a higher band will be on the higher band rates.", "size": 2, "snippet_links": [{"key": "reinsurance-premium-rates", "type": "definition", "offset": [0, 25]}, {"key": "attained-age", "type": "definition", "offset": [86, 98]}, {"key": "and-duration", "type": "clause", "offset": [99, 111]}, {"key": "of-the-company", "type": "clause", "offset": [146, 160]}, {"key": "increase-option", "type": "definition", "offset": [173, 188]}, {"key": "exhibit-c", "type": "definition", "offset": [230, 239]}, {"key": "rate-band", "type": "definition", "offset": [271, 280]}, {"key": "base-amount", "type": "definition", "offset": [324, 335]}], "samples": [{"hash": "fsFtbGth0P2", "uri": "/contracts/fsFtbGth0P2#contractual-increases", "label": "Reinsurance Agreement (National Variable Life Insurance Account)", "score": 19.0, "published": true}], "hash": "390f2ec4ac8beb0574fa49267cf98e4c", "id": 9}, {"snippet": "For Policies reinsured on an automatic basis, reinsurance of increases in amount resulting from contractual policy provisions, including Policies with increasing net amount at risk, if any, will be accepted only up to Munich Re, U.S. (Life)\u2019s proportionate share of the Automatic Binding Limits shown in Exhibit B. Treaty #4345 Munich American Reassurance Company P a g e | 13 For Policies reinsured on a facultative basis, reinsurance will be limited to the ultimate amount shown in Munich Re, U.S. (Life)\u2019s facultative offer. Reinsurance premiums for contractual increases will be on a point-in-scale basis from the original issue age of the policy.", "size": 1, "snippet_links": [{"key": "policies-reinsured", "type": "clause", "offset": [4, 22]}, {"key": "increases-in-amount", "type": "clause", "offset": [61, 80]}, {"key": "resulting-from", "type": "definition", "offset": [81, 95]}, {"key": "policy-provisions", "type": "definition", "offset": [108, 125]}, {"key": "net-amount-at-risk", "type": "clause", "offset": [162, 180]}, {"key": "will-be-accepted", "type": "clause", "offset": [190, 206]}, {"key": "munich-re", "type": "definition", "offset": [218, 227]}, {"key": "proportionate-share", "type": "definition", "offset": [243, 262]}, {"key": "automatic-binding-limits", "type": "clause", "offset": [270, 294]}, {"key": "p-a-g-e", "type": "clause", "offset": [364, 371]}, {"key": "ultimate-amount", "type": "definition", "offset": [459, 474]}, {"key": "reinsurance-premiums", "type": "clause", "offset": [528, 548]}, {"key": "issue-age", "type": "definition", "offset": [627, 636]}, {"key": "of-the-policy", "type": "clause", "offset": [637, 650]}], "samples": [{"hash": "1AtwSPEIwvB", "uri": "/contracts/1AtwSPEIwvB#contractual-increases", "label": "Reinsurance Agreement (Penn Mutual Variable Life Account I)", "score": 28.2840518951, "published": true}], "hash": "5e0fd42e6f5e89df5b825ee6a793ac2b", "id": 10}], "next_curs": "Cl4SWGoVc35sYXdpbnNpZGVyY29udHJhY3RzcjoLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2Ih5jb250cmFjdHVhbC1pbmNyZWFzZXMjMDAwMDAwMGEMogECZW4YACAA", "clause": {"parents": [["increases", "Increases"], ["reductions-terminations-and-changes", "REDUCTIONS, TERMINATIONS AND CHANGES"], ["premium-rate-guarantee", "Premium Rate Guarantee"], ["good-faith", "Good Faith"], ["accidental-death-benefit", "ACCIDENTAL DEATH BENEFIT"]], "children": [["extended-term", "Extended Term"], ["reduced-paid-up", "Reduced Paid-up"], ["breach-of-representations", "Breach of Representations"], ["nonpayment-by-the-reinsurer", "Nonpayment by the Reinsurer"], ["nonforfeiture-benefits", "Nonforfeiture Benefits"]], "size": 102, "title": "Contractual Increases", "id": "contractual-increases", "related": [["annual-increases", "Annual Increases", "Annual Increases"], ["annual-increments", "Annual Increments", "Annual Increments"], ["other-contractual-arrangements", "Other Contractual Arrangements", "Other Contractual Arrangements"], ["additional-arrangements", "Additional Arrangements", "Additional Arrangements"], ["fee-increases", "Fee Increases", "Fee Increases"]], "related_snippets": [], "updated": "2026-04-26T05:39:20+00:00", "also_ask": ["What mechanisms best limit or control the frequency and amount of contractual increases?", "Which drafting elements are essential to ensure increases are transparent and predictable?", "How do courts typically interpret ambiguous or open-ended increase provisions?", "What are the most common negotiation leverage points regarding contractual increases?", "How do contractual increase clauses compare across different jurisdictions or industry standards?"], "drafting_tip": "Specify the conditions and limits for increases to prevent disputes; define calculation methods to ensure transparency; require written notice to provide clear communication.", "explanation": "A Contractual Increases clause defines the terms under which certain payments or charges specified in the contract, such as rent or service fees, may be increased over time. Typically, this clause outlines the frequency, method, and maximum limits for such increases, which may be tied to inflation indices, fixed percentages, or other benchmarks. Its core practical function is to provide predictability and transparency for both parties regarding future financial obligations, thereby reducing the risk of disputes over payment adjustments during the contract term."}, "json": true, "cursor": ""}}