Common use of FACULTATIVE REINSURANCE Clause in Contracts

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) 120 days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL-NY Succession Select Treaty

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer. For the sake of clarity, amounts shown in a facultative offer are an offer of maximum Reinsured Net Amount at Risk accepted as defined in Article 5 – Reinsured Risk Amount.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. basis subject to the limitations set forth in Exhibit B. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activationReinsurer. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL-NY VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider Policy identified in Exhibit B − Plans – Business Covered and Binding Limits, Issue Age Limits to the Reinsurer (or any other reinsurer) for its consideration on a facultative basisbasis including, but not limited to, Policies with amounts in excess of the Automatic Binding Limits. The Ceding Company will shall apply for reinsurance on a facultative basis by sending to the Reinsurer an Application reinsurer a mutually acceptable application for Facultative Reinsurance, providing information similar facultative reinsurance. In addition to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of facultative application, the Ceding Company shall provide all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will shall notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will shall be immediately transmitted to the Reinsurer. After consideration of the facultative application for facultative reinsurance and related information, the Reinsurer will shall promptly inform the Ceding Company of its underwriting decision. The If the Reinsurer makes an offer, the Ceding Company must accept Reinsurer's ’s offer will expire at during the end lifetime of the insured and within the (i) time period specified in Reinsurer’s offer or (ii) one hundred and twenty (120) daysdays after the Ceding Company’s receipt of such offer. The Ceding Company shall accept Reinsurer’s offer by (i) written notification or (ii) reporting such risk on the periodic reports it provides to Reinsurer pursuant to Section 7.2. In situations where the Ceding Company fails to accept the Reinsurer’s offer within the timeframes set forth in the preceding paragraph, unless otherwise specified by the Ceding Company shall notify the Reinsurer as soon as reasonably possible of such a case. The Reinsurer shall check whether it has the requested capacity available, taking in its to account, all current, in-force liabilities. The Reinsurer shall promptly notify the Ceding Company of the amount the Reinsurer is able to accept, not to exceed the Reinsurer’s then current maximum corporate retention limit or the amount in the Reinsurer’s original final offer, whichever is less. If the Ceding Company accepts Reinsurer no longer has all or a portion of capacity available to accommodate the Reinsurer's offercase, then both parties will act in good faith in order to reach a mutually agreeable solution, failing of which, the Ceding Company will note shall undertake commercially reasonable efforts to secure the needed coverage within its acceptance in its underwriting file and include the policy on the next billing statement issued Maximum Retention Per Life or to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance reinsure it with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurerother reinsurers.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) 120 days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDS Succession Select Treaty

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with its normal facultative reinsurance placement rules and submit all relevant individual policy information in its next statement to the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider Policy identified in Exhibit B − Plans – Business Covered and Binding Limits, Issue Age Limits to the Reinsurer (or any other reinsurer) for its consideration on a facultative basisFacultative basis including, but not limited to, Policies with amounts in excess of the Automatic Binding Limits. The Ceding Company will shall apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application reinsurer a mutually acceptable application for Facultative Reinsurance, providing information similar reinsurance. In addition to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of application, the Ceding Company shall provide all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will shall notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will shall be immediately transmitted to the Reinsurer. After consideration of the Facultative application for facultative reinsurance and related information, the Reinsurer will shall promptly inform the Ceding Company of its underwriting decision. The If the Reinsurer makes an offer, the Ceding Company must accept Reinsurer's ’s offer will expire at during the end lifetime of the insured and within the (i) time period specified in Reinsurer’s offer or (ii) one hundred and twenty (120) days, unless otherwise specified days after the Ceding Company’s receipt of such offer. The Ceding Company shall accept Reinsurer’s offer by (i) written notification or (ii) reporting such risk on the periodic reports it provides to Reinsurer in its offerpursuant to Section 7.2. If the Ceding Company accepts fails to accept the Reinsurer's offer’s offer as set forth above, Reinsurer’s offer shall expire and no reinsurance coverage shall exist on the risk. For Joint Second to Die products submitted on a Facultative other basis, the Ceding Company will send the application and other underwriting information for the substandard life or lives. The Ceding Company will provide the name, date of birth, rating (standard or preferred), and smoking status of the unimpaired life on the reinsurance cover sheet. If the Joint Second to Die policy is Facultative due to amount, then the Ceding Company will note its acceptance in its send the application and other underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage information for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurerboth lives.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider Policy identified in Exhibit B − Plans – Business Covered and Binding Limits, Issue Age Limits to the Reinsurer (or any other reinsurer) for its consideration on a facultative basisbasis including, but not limited to, Policies with amounts in excess of the Automatic Binding Limits. The Ceding Company will shall apply for reinsurance on a facultative basis by sending to the Reinsurer an Application a mutually acceptable application for Facultative Reinsurance, providing information similar facultative reinsurance. In addition to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of facultative application, the Ceding Company shall provide all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will shall notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will shall be immediately transmitted to the Reinsurer. After consideration of the facultative application for facultative reinsurance and related information, the Reinsurer will shall promptly inform the Ceding Company of its underwriting decision. The If the Reinsurer makes an offer, the Ceding Company must accept Reinsurer's ’s offer will expire at during the end lifetime of the insured and within the (i) time period specified in Reinsurer’s offer or (ii) one hundred and twenty (120) days, unless otherwise specified days after the Ceding Company’s receipt of such offer. The Ceding Company shall accept Reinsurer’s offer by (i) written notification or (ii) reporting such risk on the periodic reports it provides to Reinsurer in its offerpursuant to Article 5. If the Ceding Company accepts fails to accept the Reinsurer's offer’s offer as set forth above, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with its normal facultative reinsurance placement rules and submit all relevant individual policy information in its next statement to the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.. IDSL - [redacted] 4 VUL IV Plus/VUL IV Plus-ES Doc# 2081398

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activationReinsurer. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.. IDSL - [redacted] 3 VUL IV Plus/VUL IV Plus-ES Doc#2081405

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration shall have no liability on a facultative basis. The submission by a Ceding Company will apply for reinsurance on a facultative basis by sending until an offer to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be reinsure has been made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided accepted in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits"writing (via mail, "benefits excluded"fax, or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted e-mail) by the Ceding Company. Nothing herein prevents The Reinsurer’s offer shall expire on the earlier of (a) the end of [_____] [page break] calendar days from the date of the Reinsurer’s offer or such date as may be specified in the Reinsurer’s approval to extend its offer and (b) the date the Reinsurer receives notice from the Ceding Company from retaining of the risk withdrawal of its application. The terms of the Reinsurer’s offer will supersede the terms of this Agreement to the extent of any conflict between the two; otherwise the terms of this Agreement will apply. Automatic Quota Share, Facultative and Automatic Excess YRT Reinsurance Agreement The Ceding Company’s facultative placement rule is based on a policy combination of inputs including competitiveness, timeliness and profitability. The liability of the Reinsurer for reinsurance ceded facultatively shall terminate simultaneously with that of the Ceding Company’s liability, except as otherwise specified in this Agreement. In no event shall the facultative reinsurance be inforce and binding unless (i) the insurance issued by the Ceding Company is inforce and (ii) the issuance and delivery of such insurance constituted the doing of business in a jurisdiction in which the Ceding Company was facultatively shopped or placing properly authorized to do business. The amount of facultative reinsurance inforce under this Agreement shall be maintained inforce without reduction so long as the policy with a different facultative reinsureramount of insurance carried by the Ceding Company on the life remains inforce without reduction, except as otherwise specified in this Agreement.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with its normal facultative reinsurance placement rules and submit all relevant individual policy information in its next statement to the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL-NY VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative Facultative basis. The Ceding Company will apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application application for Facultative Reinsurancereinsurance, providing the information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. G. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, Ultimate Amount applied for in all companies, Ultimate Amount to be placed in all companies and Ultimate Amount to be in force in all companies, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. The Ceding Company has the responsibility to clearly identify the Ultimate Amount as the face amount to be reinsured at the time a request for coverage is made so that the Reinsurer’s underwriters are aware of the highest projected Policy Death Benefit amount. The highest Reinsured Net Amount at Risk can never exceed the amount of the Reinsurer’s offer. Year-to-year changes in risk will be shared proportionately, determined by the amount of retention relative to the amount of reinsurance, unless specified otherwise. After consideration of the application for facultative Facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's ’s offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer. If the underwriting decision is acceptable, the Ceding Company will notify the Reinsurer of its acceptance of the offer by (i) written notification or (ii) reporting such risk on periodic reports it provides to the Reinsurer pursuant to Article 5.2 and Exhibit F. If any risk is to be submitted to more than one Reinsurer for consideration, the current allocation rules for placement of Facultative cases as outlined in its offerExhibit H will apply. If the Ceding Company accepts fails to accept the Reinsurer's ’s offer, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider Article 16 - Errors and Omissions, shall be provided in accordance with not apply to this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importArticle. The relevant terms and conditions of the this Agreement will apply to those facultative Facultative offers made by the Reinsurer which are and accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.(R14) 00000-00-00 Final 8 3/12/2017

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activationReinsurer. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any an application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits1 - Reinsurance Specifications, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The minimum face amount of a policy that the Reinsurer will consider on a facultative basis is $500,000. The Ceding Company will apply for reinsurance on a facultative basis by sending a request to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative ReinsuranceReinsurer. Accompanying this application request will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on pertaining to the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the The Reinsurer will promptly inform the Ceding Company in writing of its underwriting decision. The Reinsurer's Any offer will expire at by the end of Reinsurer to provide facultative reinsurance expires one hundred and twenty (120) dayscalendar days from the date of the Reinsurer's offer, (the "Facultative-Offer Expiry Date"), unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts The terms of the Reinsurer's offeroffer will supersede the terms of this Agreement to the extent of any conflict between the two; otherwise, then the terms of this Agreement will apply. The Ceding Company will note notify the Reinsurer in writing of its acceptance in its underwriting file and include of the policy on the next billing statement issued to the Reinsurer following policy activationoffer. Reinsurer agrees the reinsurance offer will be deemed accepted by The Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Companyits Facultative Placement Rules defined as first in best offer. Nothing herein prevents the Ceding Company from retaining the risk on Once a policy that was facultatively shopped or placing rider is bound under the policy with a different facultative reinsurerprovisions of this Section, it is deemed "Reinsured Business".

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer will accept X% (or any other reinsureras determined at issue) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. NET AMOUNT AT RISK DEFINITION: [Redacted] MINIMUM FACULATIVE REINSURANCE CESSION: [Redacted] FACULTATIVE OBLIGATORY: [Redacted] The Ceding Company also will notify Reinsurer shall provide the following Facultative Obligatory capacity: [Redacted] Single Life Excess Pool Between HLIC and Transamerica Effective 11/01/2002 Fac / 12/01/2002 Auto SCHEDULE C: FOREIGN NATIONAL PROGRAM The Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by and the Ceding Company agree that is pertinent to the risk assessment Ceding Company's Foreign National business will be immediately transmitted to reinsured under the Reinsurer. After consideration terms of this Agreement except for the application for facultative reinsurance following differences: TYPE OF REINSURANCE Individual life policies under this program will be on a first dollar quota share basis FOREIGN NATIONAL REINSURANCE POOL SHARE [Redacted] CEDING COMPANY'S RETENTION [Redacted] FOREIGN NATIONAL AUTOMATIC POOL BINDING LIMIT (EXCLUDES RETENTION) [Redacted] For issue ages through 75 and related informationTable D: [Redacted] JUMBO LIMIT: [Redacted] UNDERWRITING GUIDELINES [Redacted] Single Life Excess Pool Between HLIC and Transamerica Effective 11/01/2002 Fac / 12/01/2002 Auto SCHEDULE C: FOREIGN NATIONAL PROGRAM [Redacted] Single Life Excess Pool Between HLIC and Transamerica Effective 11/01/2002 Fac / 12/01/2002 Auto SCHEDULE D TABLE 2 TO STANDARD PROGRAM Although the Reinsurer is not participating, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then agrees that the Ceding Company will note its acceptance be allowed to participate in its underwriting file and include the policy a Table 2 to Standard Program as outlined below. ELIGIBILITY REQUIREMENTS - Case's Minimum Face: [Redacted] - Maximum Cession: [Redacted] - Athletes, Entertainers, Aviation Maximum Cession: [Redacted] - Issue Ages: 5-75 - The risk must be a true table 2 based on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement proceduresnormal underwriting guidelines. Changes - The case must meet the requirements for Automatic Reinsurance as described in planArticle II, contract number, policyowner, or amount of coverage may be made subsequently by except that the Ceding Company without obtaining will not be required to retain its maximum limit of retention on amounts ceded to the Program (see "Allocation" section below). - Automatic Processing and Facultative Obligatory cases are not eligible. - No increasing face designs or riders (except mortgage market step up options are acceptable.) - No foreign nationals or foreign residents. Canadian or US residents only. - Riders on either the base insured or another offer from the Reinsurer provided such changes insured are within the amount approved eligible. - Flat extras equivalent to or less than a table 2 are eligible. Equivalence determined as follows: ISSUE AGES FLAT EXTRA PER THOUSAND X NUMBER OF YEARS APPLIED [Redacted] REINSURANCE RATES [Redacted] Same as rates charged by the Reinsurer for the standard class (male or female, nicotine or non nicotine, as appropriate) under this Agreement. ELIGIBLE PRODUCTS: LBSI Life Solutions I UL Life Solutions II UL 20 Year Term Hartford Stag Wall Street Variable Universal Life Single Life Excess Pool Between HLIC and do not change the underlying riskTransamerica Effective 11/01/2002 Fac / 12/01/2002 Auto EXHIBIT I REINSURANCE PREMIUM CALCULATION 1. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.REINSURANCE PREMIUM ANNUAL YRT REINSURANCE PREMIUM [Redacted]

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) 120 days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDS VUL JLLS Generic Master Treaty

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on an a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with its normal facultative reinsurance placement rules and submit all relevant individual policy information in its next statement to the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) 120 days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importReinsurer. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL Succession Select Treaty

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider Policy identified in Exhibit B − Plans – Business Covered and Binding Limits, Issue Age Limits to the Reinsurer (or any other reinsurer) for its consideration on a facultative basisbasis including, but not limited to, Policies with amounts in excess of the Automatic Binding Limits. The Ceding Company will shall apply for reinsurance on a facultative basis by sending to the Reinsurer an Application reinsurer a mutually acceptable application for Facultative Reinsurance, providing information similar facultative reinsurance. In addition to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of facultative application, the Ceding Company shall provide all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will shall notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will shall be immediately transmitted to the Reinsurer. After consideration of the facultative application for facultative reinsurance and related information, the Reinsurer will shall promptly inform the Ceding Company of its underwriting decision. The If the Reinsurer makes an offer, the Ceding Company must accept Reinsurer's ’s offer will expire at during the end lifetime of the insured and within the (i) time period specified in Reinsurer’s offer or (ii) one hundred and twenty (120) daysdays after the Ceding Company’s receipt of such offer. The Ceding Company shall accept Reinsurer’s offer by (i) written notification or (ii) reporting such risk on the periodic reports it provides to Reinsurer pursuant to Exhibit G. The Ceding Company will apply its “Facultative Placement Rules” defined a first in, unless otherwise specified by the Reinsurer in its best offer. If the Ceding Company accepts fails to accept the Reinsurer's offer’s offer as set forth above, Reinsurer’s offer shall expire and no reinsurance coverage shall exist on the risk. If both parties have good reason to believe the business should have been covered but its omission was an oversight, the Ceding Company may submit a written request to the Reinsurer on any such application it wishes to be ceded hereunder for approval. Subject to discussions between the Ceding Company and the Reinsurer, the Reinsurer will notify the Ceding Company within five (5) business days after the request whether it is able to accept such applications based on criteria such as capacity. For Joint Second to Die products submitted on a facultative other basis, the Ceding Company will send the application and other underwriting information for the substandard life or lives. The Ceding Company will provide the name, date of birth, rating (standard or preferred), and smoking status of the unimpaired life on the reinsurance cover sheet. If the Joint Second to Die policy is facultative due to amount, then the Ceding Company will note its acceptance in its send the application and other underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage information for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurerboth lives.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offeroffer (the "Offer Deadline"). If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will must note its acceptance in its underwriting file (the "FAC Notation") prior to the Offer Deadline and include the policy on the next billing statement issued to the Reinsurer following policy activation. As long as all other conditions in this Article have been met, Reinsurer agrees the reinsurance that its offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation the FAC Notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Reinsurer acknowledges that the Ceding Company may correct an error in the FAC Notation up to 180 days after the policy is issued and becomes effective. In all cases, Reinsurer's offer must be unconditional and must not have expired as of the date the policy is issued and becomes effective. In the event of such a correction, the Ceding Company will include the policy on the next billing statement issued to the Reinsurer covering the period of the correction. The Ceding Company acknowledges and agrees that if the Reinsurer does not receive notice of the Ceding Company's acceptance of the offer within eight (8) months of the Offer Deadline (the "Notice Deadline") for any reason, the Reinsurer will not be expected or required to provide reinsurance on the risk and the Errors and Omissions clause set forth in Article 17 cannot be used to force the Reinsurer to provide coverage on such policy or to extend or alter the Notice Deadline. However, Ceding Company may request that Reinsurer make another offer for facultative coverage on the policy and may accept such offer if received. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importAgreement. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative Facultative basis. The Ceding Company will apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application application for Facultative Reinsurancereinsurance, providing the information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. G. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insuranceInsurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, Ultimate Amount applied for in all companies, Ultimate Amount to be placed in all companies and Ultimate Amount to be in force in all companies, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. The Ceding Company has the responsibility to clearly identify the Ultimate Amount as the face amount to be reinsured at the time a request for coverage is made so that the Reinsurer’s underwriters are aware of the highest projected Policy Death Benefit amount. The highest Reinsured Net Amount at Risk can never exceed the amount of the Reinsurer’s offer. Year-to-year changes in risk will be shared proportionately, determined by the amount of retention relative to the amount of reinsurance, unless specified otherwise. After consideration of the application for facultative Facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's ’s offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer. If the underwriting decision is acceptable, the Ceding Company will notify the Reinsurer of its acceptance of the offer. If any risk is to be submitted to more than one Reinsurer for consideration, the current allocation rules for placement of Facultative cases as outlined in its offerExhibit H will apply. If the Ceding Company accepts fails to accept the Reinsurer's ’s offer, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider Article 16 - Errors and Omissions, shall be provided in accordance with not apply to this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importArticle. The relevant terms and conditions of the this Agreement will apply to those facultative Facultative offers made by the Reinsurer which are and accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.(460, C01) 10000-00-00 8 12/14/2017

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative Facultative basis. The Ceding Company will apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application application for Facultative Reinsurancereinsurance, providing the information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. G. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, Ultimate Amount applied for in all companies, Ultimate Amount to be placed in all companies and Ultimate Amount to be in force in all companies, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. The Ceding Company has the responsibility to clearly identify the Ultimate Amount as the face amount to be reinsured at the time a request for coverage is made so that the Reinsurer’s underwriters are aware of the highest projected Policy Death Benefit amount. The highest Reinsured Net Amount at Risk can never exceed the amount of the Reinsurer’s offer. Year-to-year changes in risk will be shared proportionately, determined by the amount of retention relative to the amount of reinsurance, unless specified otherwise. After consideration of the application for facultative Facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's ’s offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer. If the underwriting decision is acceptable, the Ceding Company will notify the Reinsurer of its acceptance of the offer by (i) written notification or (ii) reporting such risk on periodic reports it provides to the Reinsurer pursuant to Article 5.2 and Exhibit F. If any risk is to be submitted to more than one Reinsurer for consideration, the current allocation rules for placement of Facultative cases as outlined in its offerExhibit H will apply. If the Ceding Company accepts fails to accept the Reinsurer's ’s offer, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider Article 16 - Errors and Omissions, shall be provided in accordance with not apply to this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importArticle. The relevant terms and conditions of the this Agreement will apply to those facultative Facultative offers made by the Reinsurer which are and accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.(B17) 00000-00-00 Final 8 3/12/2017

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative Facultative basis. The Ceding Company will apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application application for Facultative Reinsurancereinsurance, providing the information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. G. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, Ultimate Amount applied for in all companies, Ultimate Amount to be placed in all companies and Ultimate Amount to be in force in all companies, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. The Ceding Company has the responsibility to clearly identify the Ultimate Amount as the face amount to be reinsured at the time a request for coverage is made so that the Reinsurer’s underwriters are aware of the highest projected Policy Death Benefit amount. The highest Reinsured Net Amount at Risk can never exceed the amount of the Reinsurer’s offer. Year-to-year changes in risk will be shared proportionately, determined by the amount of retention relative to the amount of reinsurance, unless specified otherwise. After consideration of the application for facultative Facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's ’s offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer. If the underwriting decision is acceptable, the Ceding Company will notify the Reinsurer in writing of its acceptance of the offer. If any risk is to be submitted to more than one Reinsurer for consideration, the current allocation rules for placement of Facultative cases as outlined in Exhibit H will apply. If the Ceding Company accepts fails to accept the Reinsurer's ’s offer, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider Article 16 - Errors and Omissions, shall be provided in accordance with not apply to this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importArticle. The relevant terms and conditions of the this Agreement will apply to those facultative Facultative offers made by the Reinsurer which are and accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offeroffer (the "Offer Deadline"). If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will must note its acceptance in its underwriting file (the "FAC Notation") prior to the Offer Deadline and include the policy on the next billing statement issued to the Reinsurer following policy activation. As long as all other conditions in this Article have been met, Reinsurer agrees the reinsurance that its offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation the FAC Notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Reinsurer acknowledges that the Ceding Company may correct an error in the FAC Notation up to 180 days after the policy is issued and becomes effective. In all cases, Reinsurer's offer must be unconditional and must not have expired as of the date the policy is issued and becomes effective. In the event of such a correction, the Ceding Company will include the policy on the next billing statement issued to the Reinsurer covering the period of the correction. The Ceding Company acknowledges and agrees that if the Reinsurer does not receive notice of the Ceding Company's acceptance of the offer within eight (8) months of the Offer Deadline (the "Notice Deadline") for any reason, the Reinsurer will not be expected or required to provide reinsurance on the risk and the Errors and Omissions clause set forth in Article 17 cannot be used to force the Reinsurer to provide coverage on such policy or to extend or alter the Notice Deadline. However, Ceding Company may request that Reinsurer make another offer for facultative coverage on the policy and may accept such offer if received. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activationReinsurer. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL VUL4 / LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. The Ceding Company will provide to Reinsurer the rules or methods used by the Ceding Company to select reinsurers for Facultative Reinsurance in cases where more than one reinsurer offers coverage on a risk. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application Application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application Application for facultative reinsurance Facultative Reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offerReinsurer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the submit all relevant individual policy on the information in its next billing statement issued to the Reinsurer following policy activationReinsurer. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Coding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.IDSL VUL4/LP Select Treaty 3

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative Facultative basis. The Ceding Company will apply for reinsurance on a facultative Facultative basis by sending to the Reinsurer an Application application for Facultative Reinsurancereinsurance, providing the information similar to the example that outlined in Exhibit F – Application for Facultative Reinsurance. F. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, as available copies of the application for insurance, medical examiners' ’ reports, attending physicians' ’ statements, inspection reports, Ultimate Death Benefit Amount applied for in all companies (if available), Ultimate Death Benefit Amount to be placed in all companies (if available) and Ultimate Death Benefit Amount to be in force in all companies (if available), and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative Facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately promptly transmitted to the Reinsurer. The Ceding Company has the responsibility to clearly identify the Ultimate Death Benefit Amount as the face amount to be reinsured at the time a request for coverage is made so that the Reinsurer’s underwriters are aware of the highest projected Policy Death Benefit amount. The highest Reinsured Net Amount at Risk can never exceed the amount of the Reinsurer’s offer. After consideration of the application for facultative Facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's ’s offer will expire at the end of one hundred twenty (120) calendar days, unless otherwise specified by the Reinsurer. If the underwriting decision is acceptable, the Ceding Company will notify the Reinsurer in writing of its acceptance of the offer. If any risk is to be submitted to more than one Reinsurer for consideration, the current allocation rules for placement of Facultative cases as outlined in Exhibit G will apply. If the Ceding Company accepts fails to accept the Reinsurer's ’s offer, then the Ceding Company will note its acceptance in its underwriting file Reinsurer’s offer shall expire and include the policy no reinsurance coverage shall exist on the next billing statement issued risk. Article 16 – Errors and Omissions, shall not apply to this Article however, if such an Error were to be found, the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes will, on a best effort basis, attempt to assume such notation in risk within its underwriting file in accordance with the Ceding Company's standard available retention and secure any remaining original offered facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer capacity from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar importits retrocessionaires. The relevant terms and conditions of the this Agreement will apply to those facultative Facultative offers made by the Reinsurer which are and accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.

FACULTATIVE REINSURANCE. 3.1 The Ceding Company may submit any application on a plan or rider identified in Exhibit B − - Plans Covered and Binding Limits, to the Reinsurer (or any other reinsurer) for its consideration on a facultative basis. For purposes of this Agreement, Reinsurer will not be accepting or participating in any facultative cessions. The Ceding Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Facultative Reinsurance, providing information similar to the example outlined in Exhibit F – - Application for Facultative Reinsurance. Accompanying this application will be copies of all underwriting evidence that is available for risk assessment including, but not limited to, copies of the application for insurance, medical examiners' reports, attending physicians' statements, inspection reports, and any other information bearing on the insurability of the risk. The Ceding Company also will notify the Reinsurer of any outstanding underwriting requirements at the time of the facultative submission. Any subsequent information received by the Ceding Company that is pertinent to the risk assessment will be immediately transmitted to the Reinsurer. After consideration of the application for facultative reinsurance and related information, the Reinsurer will promptly inform the Ceding Company of its underwriting decision. The Reinsurer's offer will expire at the end of one hundred twenty (120) days, unless otherwise specified by the Reinsurer in its offer. If the Ceding Company accepts the Reinsurer's offer, then the Ceding Company will note its acceptance in its underwriting file and include the policy on the next billing statement issued to the Reinsurer following policy activation. Reinsurer agrees the reinsurance offer will be deemed accepted by Ceding Company at the point in time Ceding Company makes such notation in its underwriting file in accordance with the Ceding Company's standard facultative placement procedures. Changes in plan, contract number, policyowner, or amount of coverage may be made subsequently by the Ceding Company without obtaining another offer from the Reinsurer provided such changes are within the amount approved by the Reinsurer and do not change the underlying risk. Coverage for any Automatic Increasing Benefit Rider shall be provided in accordance with this Agreement notwithstanding any notations on the offer that say "no benefits", "benefits excluded", or words of similar import. The relevant terms and conditions of the Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Ceding Company. Nothing herein prevents the Ceding Company from retaining the risk on a policy that was facultatively shopped or placing the policy with a different facultative reinsurer.