Common use of PLANS, RIDERS AND BENEFITS Clause in Contracts

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- VUL-IV (Form 30061 with endorsement 132024, and Form Nov. 25, 2002 F0061C) LP Select (Form 30080C) Nov. 25, 2002 Benefit & Riders: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 30965) Base Insured Rider (BIR) (Form Nov. 25, 2002 132023) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 and Form 30976C)

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- ------------------------------------------------------- VUL-IV (Form 30061 with endorsement 132024, and Form F0061C) Nov. 25, 2002 F0061C) LP Select (Form 30080C) Nov. 25, 2002 Benefit BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 30965) Nov. 25, 2002 Base Insured Rider (BIR) (Form 132023) Nov. 25, 2002 132023) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 and Form 30976C)) Nov. 25, 2002

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- --------------------------------------------------- ----------------- VUL-IV (Form 30061 with endorsement 13202439061C) August 18, and Form Nov. 25, 2002 F0061C) 2003 LP Select (Form 30080C39080C) Nov. 25August 18, 2002 Benefit 2003 BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 3096538965) August 18, 2003 Base Insured Rider (BIR) (Form Nov. 25139043) August 18, 2002 132023) 2003 Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 39451 and Form 30976C)39976C) August 18, 2003

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- ------------------------------------------------------------------------ VUL-IV (Form 30061 with endorsement 13202439061C) August 18, and Form Nov. 25, 2002 F0061C) 2003 LP Select (Form 30080C39080C) Nov. 25August 18, 2002 Benefit 2003 BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 3096538965) August 18, 2003 Base Insured Rider (BIR) (Form Nov. 25August 18, 2002 1320232003 139043) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 39451 and Form 30976CAugust 18, 2003 39976C)

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- VUL-IV ------------------------------------------------------ VUL-1V (Form 30061 with endorsement 132024, and Form F0061C) Nov. 25, 2002 F0061C) LP Select (Form 30080C) Nov. 25, 2002 Benefit BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 30965) Nov. 25, 2002 Base Insured Rider (BIR) (Form 132023) Nov. 25, 2002 132023) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 and Form 30976C)) Nov. 25, 2002

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- -------------------------------------------------------- VUL-IV (Form 30061 with Nov. 25, 2002 endorsement 132024, and Form Nov. 25, 2002 F0061C) LP Select (Form 30080C) Nov. 25, 2002 Benefit BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 30965) Base Insured Rider (BIR) (Form Nov. 25, 2002 132023) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 and Form 30976C)

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- ---------------------------------------------------------------- VUL-IV (Form 30061 with Nov. 25, 2002 endorsement 132024, and Form Nov. 25, 2002 F0061C) LP Select (Form 30080C) Nov. 25, 2002 Benefit BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 30965) Base Insured Rider (BIR) (Form Nov. 25, 2002 132023) Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 and Form 30976C)

PLANS, RIDERS AND BENEFITS. Policies issued on plans with effective dates on or after the Commencement Date shown below qualify for reinsurance under the terms of this Agreement. It is understood that policies may be backdated by up to six (6) months from the date shown below. COMMENCEMENT PLAN IDENTIFICATION DATE ----------------------------------------------------------------- -------------------------------------------------------- VUL-IV (Form 30061 with endorsement 13202439061C) August 18, and Form Nov. 25, 2002 F0061C) 2003 LP Select (Form 30080C39080C) Nov. 25August 18, 2002 Benefit 2003 BENEFIT & RidersRIDERS: Automatic Increasing Benefit Nov. 25, 2002 Rider (AIBR) (Form 3096538965) August 18, 2003 Base Insured Rider (BIR) (Form Nov. 25139043) August 18, 2002 132023) 2003 Other Insured Rider (OIR) (Form Nov. 25, 2002 30450 39451 and Form 30976C)39976C) August 18, 2003