Common use of Renewal of Insurance Clause in Contracts

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. SCHEDULE C CEDENT'S RETENTION LIMITS Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Single Life 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Joint Life * 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ * based on the younger insured. EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information:

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ ------------------------------------------------------------------------------------------------------------------- Single Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ =================================================================================================================== =================================================================================================================== Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ ------------------------------------------------------------------------------------------------------------------- Joint Life * 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $__________ $_________ * =================================================================================================================== *based on the younger insured. NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date NYLIAC ADVANCED MARKET REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information:

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. SCHEDULE C CEDENT'S RETENTION LIMITS Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Single Life 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $ 5 $_____ $_____ Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Joint Life * 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ * based on the younger insured. EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- ------------------------------------ Signature ------------------------------------- ------------------------------------ Type or Print Name ------------------------------------- ------------------------------------ Title ------------------------------------- ------------------------------------ Date EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information:

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. NYLIAC 2001 COLI REINSURANCE AGREEMENT SCHEDULE C CEDENT'S CORPORATE RETENTION LIMITS Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ---- ------ ------------------------ ----------- Single Life 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Joint Life * 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ * based on the younger insured. $ $ $ $ $ NYLIAC 2001 COLI REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- Signature ------------------------------------- Type or Print Name ------------------------------------- Title ------------------------------------- Date EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information:

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. AD101 VUL REINSURANCE AGREEMENT SCHEDULE C CEDENT'S RETENTION LIMITS -------------------------------------------------------------------------------- Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ -------------------------------------------------------------------------------- Single Life 0-65 $_____ $ N/A 66-75 $_____ $_____ $ $ 76+ $_____ $_____ Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Joint Life * 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ * based on the younger insured. $ $ -------------------------------------------------------------------------------- AD101 VUL REINSURANCE AGREEMENT EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- _____________________________________ Signature ------------------------------------- _____________________________________ Type or Print Name ------------------------------------- _____________________________________ Title ------------------------------------- _____________________________________ Date AD101 VUL REINSURANCE AGREEMENT EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information:

Renewal of Insurance. The renewal of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. SVUL / SUL Reinsurance Agreement SCHEDULE C CEDENT'S RETENTION LIMITS ----------------------------------------------------------------------------- Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Single ----------------------------------------------------------------------------- Joint Life 0-65 $__________ N/A 66-75 $__________ $_________ 76+ $_____ $_____ Additional Amount at the Discretion of the Chief Ages Amount Underwriter ----- ------ ------------------------ Joint Life * 0-65 $_____ N/A 66-75 $_____ $_____ 76+ $_____ $_____ * based on the younger insured. ----------------------------------------------------------------------------- SVUL / SUL Reinsurance Agreement EXHIBIT 1 DAC TAX CALCULATION CEDING COMPANY: NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION ASSUMING COMPANY: ___________________________ DATE: _______________ DAC TAX - DEDUCTIONS FROM GROSS PREMIUM DAC TAX CALCULATION AMOUNT GROSS PREMIUM LESS: DEDUCTIONS FROM GROSS PREMIUMS Commissions Death Claims Claim Interest Premium Taxes Claim Investigation Expense Claim Legal Expense Waiver Claims Surrenders Experience Refunds Admin Fee Fee Income Miscellaneous Interest Dividends Termination Dividends Productions Bonus Reserve Adjustments Other (specify) TOTAL DEDUCTIONS NET CONSIDERATIONS Please sign below confirming agreement with net considerations or provide an alternate calculation within 30 days ------------------------------------- _____________________________________ Signature ------------------------------------- _____________________________________ Type or Print Name ------------------------------------- _____________________________________ Title ------------------------------------- _____________________________________ Date SVUL / SUL Reinsurance Agreement EXHIBIT 2 REINSURANCE QUESTIONNAIRE FOR FEDERAL INCOME TAX DETERMINATIONS The purpose of this questionnaire is to secure sufficient information to allow New York Life Insurance and Annuity Corporation ("NYLIAC") to account properly under the federal income tax rules for the reinsurance transactions you have with NYLIAC. Please provide NYL with the following information: