Common use of Plans Covered Clause in Contracts

Plans Covered. The following Fully underwritten, single or joint life, individual term and permanent life plans and their associated benefit riders providing for level, decreasing, or increasing death benefit coverage will be covered under this Agreement: Product Name Type Effective Date Termination Date Term 10 Term 04/01/10 Term 15 Term 04/01/10 Term 20 Term 04/01/10 Term 25 Term 04/01/10 Term 30 Term 04/01/10 ART Term 04/01/10 Athena UL Series Single Life/Perm 04/01/10 Incentive Life Legacy Series Single Life/Perm 04/01/10 Incentive Life Optimizer Series Single Life/Perm 04/01/10 Interest-Sensitive Whole Life Single Life/Perm 04/01/10 Corporate Owned Incentive Life Single Life/Perm 04/01/10 Athena UL ESLI Single Life/Perm 04/01/10 Athena Survivorship UL Series Joint Life/Perm 04/01/10 Survivorship Incentive Life Legacy Series Joint Life/Perm 04/01/10 Indexed Universal Life Single Life/Perm 07/12/10 Riders Covered Integrated Term Rider Estate Protection Rider No-Lapse Guarantee Rider (NLG) Return of Premium Rider (ROPR) Paid-Up Additions Option to Split Riders Living Benefits (Accelerated Benefit) Rider Cash Value Enhancement rider Cash Value Plus Rider Charitable Legacy Rider Market Stabilizer Option

Plans Covered. The following Fully underwritten, single or joint life, individual term and permanent life plans and their associated benefit riders providing for level, decreasing, or increasing death benefit coverage will be covered under this Agreement: Product Name Type Effective Date Termination Date Term 10 Term 04/01/10 Term 15 Term 04/01/10 Term 20 Term 04/01/10 Term 25 Term 04/01/10 Term 30 Term 04/01/10 ART Term 04/01/10 Athena UL Series Single Life/Perm 04/01/10 Incentive Life Legacy Series Single Life/Perm 04/01/10 Incentive Life Optimizer Series Single Life/Perm 04/01/10 Interest-Sensitive Whole Life Single Life/Perm 04/01/10 Corporate Owned Incentive Life Single Life/Perm 04/01/10 Athena UL ESLI Single Life/Perm 04/01/10 Athena Survivorship UL Series Joint Life/Perm 04/01/10 Survivorship Incentive Life Legacy Series Joint Life/Perm 04/01/10 Indexed Universal Life Single Life/Perm 07/12/10 Riders and Benefits Covered by the Reinsurer: Integrated Term Rider Estate Protection Rider No-Lapse Guarantee Rider (NLG) Return of Premium Rider (ROPR) Paid-Up Additions Option to Split Riders Living Benefits (Accelerated Benefit) Rider Cash Value Enhancement – This is an optional rider Cash Value Plus Rider Charitable Legacy Rider Market Stabilizer Optionthat provides term insurance on the base insured. Reinsurance premiums for any net amount at risk associated with this rider will be the same as the Underlying base plan.

Plans Covered. The following Fully underwritten, single or joint life, individual term and permanent life plans and their associated benefit riders providing for level, decreasing, or increasing death benefit coverage will be covered under this Agreement: Product Name Type Effective Date Termination Date Term 10 Term 04/01/10 Term 15 Term 04/01/10 Term 20 Term 04/01/10 Term 25 Term 04/01/10 Term 30 Term 04/01/10 ART Term 04/01/10 Athena UL Series Single Life/Perm 04/01/10 Incentive Life Legacy Series Single Life/Perm 04/01/10 Incentive Life Optimizer Series Single Life/Perm 04/01/10 Interest-Sensitive Whole Life Single Life/Perm 04/01/10 Corporate Owned Incentive Life Single Life/Perm 04/01/10 Athena UL ESLI Single Life/Perm 04/01/10 Athena Survivorship UL Series Joint Life/Perm 04/01/10 Survivorship Incentive Life Legacy Series Joint Life/Perm 04/01/10 Indexed Universal Life Single Life/Perm 07/12/10 Riders Covered Integrated Term Rider Estate Protection Rider No-Lapse Guarantee Rider (NLG) Return of Premium Rider (ROPR) Paid-Up Additions Option to Split Riders Living Benefits (Accelerated Benefit) Rider Cash Value Enhancement rider Cash Value Plus Rider Charitable Legacy Rider Market Stabilizer Option

Plans Covered. The following Fully underwritten, single or joint life, individual term and permanent life plans and their associated benefit riders providing for level, decreasing, or increasing death benefit coverage will be covered under this Agreement: Product Name Type Effective Date Termination Date Term 10 Term 04/01/10 Term 15 Term 04/01/10 Term 20 Term 04/01/10 Term 25 Term 04/01/10 Term 30 Term 04/01/10 ART Term 04/01/10 Athena UL Series Single Life/Perm 04/01/10 Incentive Life Legacy Series Single Life/Perm 04/01/10 Incentive Life Optimizer Series Single Life/Perm 04/01/10 Interest-Sensitive Whole Life Single Life/Perm 04/01/10 Corporate Owned Incentive Life Single Life/Perm 04/01/10 Athena UL ESLI Single Life/Perm 04/01/10 Athena Survivorship UL Series Joint Life/Perm 04/01/10 Survivorship Incentive Life Legacy Series Joint Life/Perm 04/01/10 Indexed Universal Life Single Life/Perm 07/12/10 Riders Covered Integrated Term Rider Estate Protection Rider No-Lapse Guarantee Rider (NLG) Return of Premium Rider (ROPR) Paid-Up Additions Option to Split Riders Living Benefits (Accelerated Benefit) Rider Cash Value Enhancement rider Cash Value Plus Rider Charitable Legacy Rider Market Stabilizer OptionRider

Plans Covered. The following Fully underwritten, single or joint life, individual term and permanent life plans and their associated benefit riders providing for level, decreasing, or increasing death benefit coverage will be covered under this Agreement: Product Name Type Effective Date Termination Date Term 10 Term 04/01/10 Term 15 Term 04/01/10 Term 20 Term 04/01/10 Term 25 Term 04/01/10 Term 30 Term 04/01/10 ART Term 04/01/10 Athena UL Series Single Life/Perm 04/01/10 Incentive Life Legacy Series Single Life/Perm 04/01/10 Incentive Life Optimizer Series Single Life/Perm 04/01/10 Interest-Sensitive Whole Life Single Life/Perm 04/01/10 Corporate Owned Incentive Life Single Life/Perm 04/01/10 Athena UL ESLI Single Life/Perm 04/01/10 Athena Survivorship UL Series Joint Life/Perm 04/01/10 Survivorship Incentive Life Legacy Series Joint Life/Perm 04/01/10 Indexed Universal Life life Single Life/Perm 07/12/10 Riders Covered Integrated Term Rider Estate Protection Rider No-Lapse Guarantee Rider (NLG) Return of Premium Rider (ROPR) Paid-Up Additions Option to Split Riders Upon Federal Tax Law Change Rider Option to Split Policy Upon Divorce Rider Living Benefits (Accelerated Benefit) Rider Cash Value Enhancement rider Cash Value Plus Rider Charitable Legacy Rider Market Stabilizer Option