{"component": "clause", "props": {"groups": [{"samples": [{"hash": "kAHsots1HTG", "uri": "/contracts/kAHsots1HTG#flat-extras", "label": "Automatic Yrt Reinsurance Agreement (Ids Life of New York Account 8)", "score": 18.0, "published": true}, {"hash": "dePMlckQQFr", "uri": "/contracts/dePMlckQQFr#flat-extras", "label": "Reinsurance Agreement (Ids Life Variable Life Separate Account)", "score": 18.0, "published": true}, {"hash": "catHMqrj7jc", "uri": "/contracts/catHMqrj7jc#flat-extras", "label": "Automatic Yrt Reinsurance Agreement (Ids Life Variable Life Separate Account)", "score": 18.0, "published": true}], "size": 10, "snippet": "Temporary and permanent flat extras are not used directly for joint coverages; rather, they are converted using an internal table to a substandard table rating.", "snippet_links": [{"key": "used-directly", "type": "definition", "offset": [44, 57]}, {"key": "an-internal", "type": "clause", "offset": [112, 123]}], "hash": "8d16d372a410a96da556cddda81b6ad7", "id": 1}, {"samples": [{"hash": "d0O2shztG2u", "uri": "/contracts/d0O2shztG2u#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 33.9472963723, "published": true}, {"hash": "cZ15q1MZgZk", "uri": "/contracts/cZ15q1MZgZk#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 33.9472963723, "published": true}, {"hash": "erXhr4qSRjf", "uri": "/contracts/erXhr4qSRjf#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co of New York Separate Account B)", "score": 27.9541409993, "published": true}], "size": 10, "snippet": "On all cessions, the Reinsurer\u2019s proportionate share of any extra premiums payable on account of additional mortality risk shall be payable to the Reinsurer.", "snippet_links": [{"key": "the-reinsurer", "type": "clause", "offset": [17, 30]}, {"key": "proportionate-share", "type": "clause", "offset": [33, 52]}, {"key": "mortality-risk", "type": "definition", "offset": [108, 122]}, {"key": "payable-to", "type": "definition", "offset": [132, 142]}], "hash": "cd87ab1c07fd17df009e1e00d2d15b3f", "id": 2}, {"samples": [{"hash": "9IpOsJUKQqO", "uri": "/contracts/9IpOsJUKQqO#flat-extras", "label": "Reinsurance Agreement (Massachusetts Mutual Variable Life Separate Account I)", "score": 33.3134839151, "published": true}], "size": 4, "snippet": "Policies with permanent and temporary flat extra ratings will have reinsurance premiums that are [ ].\n(1) [ ] Permanent flat extras ([ ]) will drop off the Policy after the later of [ ]. [ ].", "snippet_links": [{"key": "reinsurance-premiums", "type": "clause", "offset": [67, 87]}, {"key": "the-policy", "type": "clause", "offset": [152, 162]}], "hash": "6242e3c9e66ee582b11ede9fb30e8014", "id": 3}, {"samples": [{"hash": "hzSTojXlfiv", "uri": "/contracts/hzSTojXlfiv#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 21.0, "published": true}, {"hash": "aVvxUUBoDJu", "uri": "/contracts/aVvxUUBoDJu#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co of New York Separate Account B)", "score": 21.0, "published": true}], "size": 3, "snippet": "On all cessions, the due proportion of any extra premiums payable on account of additional mortality risk shall be payable to the Reinsurer.", "snippet_links": [{"key": "due-proportion", "type": "definition", "offset": [21, 35]}, {"key": "mortality-risk", "type": "definition", "offset": [91, 105]}, {"key": "payable-to", "type": "definition", "offset": [115, 125]}, {"key": "the-reinsurer", "type": "clause", "offset": [126, 139]}], "hash": "2017c3d26a846421fcd691e46b6ed8e2", "id": 4}, {"samples": [{"hash": "dpIAalXQhxA", "uri": "/contracts/dpIAalXQhxA#flat-extras", "label": "Reinsurance Agreement (Nationwide Vli Separate Account 4)", "score": 30.6317590691, "published": true}], "size": 3, "snippet": "The total premium remitted to Munich Re, U.S. (Life) will include the flat extra premium minus the allowances shown below. Temporary (1-5 years) 25 % 25 % Permanent (6 years & greater) 75 % 25 %", "snippet_links": [{"key": "total-premium", "type": "clause", "offset": [4, 17]}, {"key": "munich-re", "type": "definition", "offset": [30, 39]}, {"key": "the-flat", "type": "definition", "offset": [66, 74]}, {"key": "extra-premium", "type": "definition", "offset": [75, 88]}], "hash": "6a52094379e78aa24e5bfc28d02f412a", "id": 5}, {"samples": [{"hash": "idOjWbp5Tij", "uri": "/contracts/idOjWbp5Tij#flat-extras", "label": "Reinsurance Agreement (Farmers Variable Life Separate Account A)", "score": 18.3258042437, "published": true}], "size": 3, "snippet": "The total premium remitted to the Reinsurer will include the flat extra premium. The Reinsurer shall pay an expense allowance as a percentage of the flat extra premium as shown below. Temporary ([*]Years) [*] % [*] % Permanent ([*] Years & Greater) [*] % [*] %", "snippet_links": [{"key": "total-premium", "type": "clause", "offset": [4, 17]}, {"key": "the-reinsurer", "type": "clause", "offset": [30, 43]}, {"key": "the-flat", "type": "definition", "offset": [57, 65]}, {"key": "extra-premium", "type": "definition", "offset": [66, 79]}, {"key": "expense-allowance", "type": "definition", "offset": [108, 125]}, {"key": "a-percentage", "type": "definition", "offset": [129, 141]}, {"key": "as-shown", "type": "definition", "offset": [168, 176]}], "hash": "fb824a46eaed92c3f711bd0320f858b9", "id": 6}, {"samples": [{"hash": "8MfNjBRhWmN", "uri": "/contracts/8MfNjBRhWmN#flat-extras", "label": "Reinsurance Agreement (Allstate Assurance Co Variable Life Separate Account)", "score": 24.2060232717, "published": true}, {"hash": "3lfzvGGkKph", "uri": "/contracts/3lfzvGGkKph#flat-extras", "label": "Reinsurance Agreement (Allstate Life of N Y Var Life Sep Acct A)", "score": 24.2060232717, "published": true}], "size": 2, "snippet": "The total premium remitted to the Reinsurer will include the Reinsurer\u2019s Proportionate Share of the Flat Extra premium charged the insured. The Reinsurer shall pay an expense allowance as a percentage of the Flat Extra premium as shown below. Temporary (1-5 Years) 20% 20% Permanent (6 Years & Greater) 100% 20% Permanent Flat Extras shall not drop off but will apply for the life of the policy. The additional Flat Extra premium paid to the Reinsurer is calculated based on the Reinsured Net Amount at Risk for all universal life policies and the initial reinsured face amount for all other policy types.", "snippet_links": [{"key": "total-premium", "type": "clause", "offset": [4, 17]}, {"key": "the-reinsurer", "type": "clause", "offset": [30, 43]}, {"key": "proportionate-share", "type": "clause", "offset": [73, 92]}, {"key": "the-flat", "type": "definition", "offset": [96, 104]}, {"key": "extra-premium", "type": "definition", "offset": [105, 118]}, {"key": "the-insured", "type": "clause", "offset": [127, 138]}, {"key": "expense-allowance", "type": "definition", "offset": [167, 184]}, {"key": "a-percentage", "type": "definition", "offset": [188, 200]}, {"key": "as-shown", "type": "definition", "offset": [227, 235]}, {"key": "of-the-policy", "type": "clause", "offset": [381, 394]}, {"key": "based-on", "type": "clause", "offset": [466, 474]}, {"key": "net-amount-at-risk", "type": "clause", "offset": [489, 507]}, {"key": "life-policies", "type": "clause", "offset": [526, 539]}, {"key": "face-amount", "type": "definition", "offset": [566, 577]}], "hash": "81d5e05cf21d63de158e9fb788a89cd1", "id": 7}, {"samples": [{"hash": "gDZPiz0iivh", "uri": "/contracts/gDZPiz0iivh#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co of New York Separate Account B)", "score": 21.0, "published": true}, {"hash": "4zEB6LtO9hf", "uri": "/contracts/4zEB6LtO9hf#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account N)", "score": 21.0, "published": true}], "size": 2, "snippet": "On all cessions, the due proportion of any extra premiums payable on account of additional mortality risk shall be payable to the Reinsurer. The maximum flat extra for Simplified Issues is at $2.50 per 1000 and for Guarantee Issues is at $5.00 per 1000.", "snippet_links": [{"key": "due-proportion", "type": "definition", "offset": [21, 35]}, {"key": "mortality-risk", "type": "definition", "offset": [91, 105]}, {"key": "payable-to", "type": "definition", "offset": [115, 125]}, {"key": "the-reinsurer", "type": "clause", "offset": [126, 139]}], "hash": "c06a5ee52b78dae5d04a4be8fbbc8a06", "id": 8}, {"samples": [{"hash": "bwTX2RoeMSo", "uri": "/contracts/bwTX2RoeMSo#flat-extras", "label": "Automatic Reinsurance Agreement (Wma Corp)", "score": 18.0, "published": true}, {"hash": "3ObO0XdsdIK", "uri": "/contracts/3ObO0XdsdIK#flat-extras", "label": "Automatic Reinsurance Agreement (Wma International Corp)", "score": 18.0, "published": true}], "size": 2, "snippet": "However, in the case of risks bearing permanent or temporary flat extras, as described in Paragraphs 3 and 4 of Article V, Reinsurance Allowances are payable on the Reinsurance Premium Rates provided in Schedule I but are not payable on the additional flat extra mortality charge.", "snippet_links": [{"key": "in-the-case", "type": "clause", "offset": [9, 20]}, {"key": "of-risks", "type": "definition", "offset": [21, 29]}, {"key": "or-temporary", "type": "definition", "offset": [48, 60]}, {"key": "paragraphs-3", "type": "clause", "offset": [90, 102]}, {"key": "article-v", "type": "definition", "offset": [112, 121]}, {"key": "reinsurance-allowances", "type": "clause", "offset": [123, 145]}, {"key": "reinsurance-premium-rates", "type": "definition", "offset": [165, 190]}, {"key": "schedule-i", "type": "clause", "offset": [203, 213]}, {"key": "not-payable", "type": "definition", "offset": [222, 233]}, {"key": "mortality-charge", "type": "definition", "offset": [263, 279]}], "hash": "8280e652d123a1a29c0956cef4fcc75b", "id": 9}, {"samples": [{"hash": "hzSTojXlfiv", "uri": "/contracts/hzSTojXlfiv#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co (Usa) Separate Account A)", "score": 21.0, "published": true}, {"hash": "aVvxUUBoDJu", "uri": "/contracts/aVvxUUBoDJu#flat-extras", "label": "Reinsurance Agreement (John Hancock Life Insurance Co of New York Separate Account B)", "score": 21.0, "published": true}], "size": 2, "snippet": "The single life YRT rates are adjusted for any flat extras.", "snippet_links": [{"key": "single-life", "type": "definition", "offset": [4, 15]}], "hash": "5b114f49bdd9f75b2e8c624100ca93bf", "id": 10}], "next_curs": "ClQSTmoVc35sYXdpbnNpZGVyY29udHJhY3RzcjALEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhRmbGF0LWV4dHJhcyMwMDAwMDAwYQyiAQJlbhgAIAA=", "clause": {"size": 55, "parents": [["execution", "EXECUTION"], ["substandard-policies", "Substandard Policies"], ["foreign-travel-underwriting", "FOREIGN TRAVEL UNDERWRITING"], ["international-clients", "INTERNATIONAL CLIENTS"], ["termination-of-agreement", "Termination of Agreement"]], "children": [["", ""], ["statutory-reserve-information", "Statutory Reserve Information"], ["inforce", "Inforce"], ["new-business", "New Business"], ["renewal-year", "Renewal Year"]], "title": "Flat Extras", "id": "flat-extras", "related": [["complete-work-without-extra-cost", "Complete Work without Extra Cost", "Complete Work without Extra Cost"], ["contract-changes", "Contract Changes", "Contract Changes"], ["estimated-specific-quantity-contracts", "ESTIMATED / SPECIFIC QUANTITY CONTRACTS", "ESTIMATED / SPECIFIC QUANTITY CONTRACTS"], ["price-schedule-payment-terms-and-billing-and-price-adjustments", "Price Schedule, Payment Terms and Billing, and Price Adjustments", "Price Schedule, Payment Terms and Billing, and Price Adjustments"], ["technical-evaluation", "TECHNICAL EVALUATION", "TECHNICAL EVALUATION"]], "related_snippets": [], "updated": "2025-07-07T12:37:54+00:00"}, "json": true, "cursor": ""}}