Common use of RETENTION LIMITS Clause in Contracts

RETENTION LIMITS. A. Our Maximum Retention limits for Single Life and Joint First-to-Die policies: Ages Standard Flat Extra< $10 per 1,000 or 125%- 200% Flat Extra >= $10 per 1,000 or 225% and up 0 - 14 $ 10,000,000 $ 3,000,000 $ 2,500,000 15 – 70 $ 10,000,000 $ 10,000,000 $ 4,000,000 71 – 80 $ 10,000,000 $ 6,000,000 $ 1,500,000 81 – 85 $ 4,000,000 $ 2,500,000 None 86 – 90 None None None B. Our Maximum Retention limits for Joint Second-to-Die policies: Retention on Second-to-Die plans will be the larger of the two individual retentions, unless one life is uninsurable. Where one life is rated uninsurable, use the regular Single Life retention limits for the insurable life. Ages Standard Flat Extra< $10 per 1,000 or 125%- 200% Flat Extra >= $10 per 1,000 or 225% and up 0 - 14 $ 12,000,000 $ 3,500,000 $ 3,500,000 15 – 70 $ 12,000,000 $ 12,000,000 $ 6,000,000 71 – 80 $ 12,000,000 $ 7,000,000 $ 6,000,000 81 – 85 $ 4,000,000 $ 2,500,000 N▇▇▇ ▇▇-▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇. Additional Notes: 1) Maximum Retention for Civil Aviation Non-Rated Private Pilots is $6,000,000. 2) Amounts used to calculate our retention will include the base policy, one year term additions (Optionterm and Fifth Dividend Option) and additional term insurance riders. 3) When the net amount at risk on any policy reinsured under this Agreement falls below $100,000, that reinsurance will terminate as of the anniversary date on or immediately following the change in net amount at risk.

RETENTION LIMITS. A. Our Maximum Retention limits for Single Life and Joint First-to-Die policies: Ages Standard Flat ExtraExtra < $10 per 1,000 or 125%- 125% - 200% Flat Extra >= $10 per 1,000 or 225% and up 0 - 14 $ 10,000,000 $ 3,000,000 $ 2,500,000 15 – - 70 $ 10,000,000 $ 10,000,000 $ 4,000,000 71 – - 80 $ 10,000,000 $ 6,000,000 $ 1,500,000 81 – - 85 $ 4,000,000 $ 2,500,000 None 86 – 90 None None None▇▇ - ▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ B. Our Maximum Retention limits for Joint Second-to-Die policies: Retention on Second-to-Die plans will be the larger of the two individual retentions, unless one life is uninsurable. Where one life is rated uninsurable, use the regular Single Life retention limits for the insurable life. Ages Standard Flat ExtraExtra < $10 per 1,000 or 125%- 125% - 200% Flat Extra >= $10 per 1,000 or 225% and up 0 - 14 $ 12,000,000 $ 3,500,000 $ 3,500,000 15 – - 70 $ 12,000,000 $ 12,000,000 $ 6,000,000 71 – 71- 80 $ 12,000,000 $ 7,000,000 $ 6,000,000 81 – - 85 $ 4,000,000 $ 2,500,000 N▇None ▇▇ ▇▇-- ▇▇ ▇▇▇▇ ▇▇▇▇ ▇▇▇▇ ▇. Additional Notes: 1) Maximum Retention for Civil Aviation Non-Rated Private Pilots is $6,000,000. 2) Amounts used to calculate our retention will include the base policy, one year term additions (Optionterm and Fifth Dividend Option) and additional term insurance riders. 3) When the net amount at risk on any policy reinsured under this Agreement falls below $100,000, that reinsurance will terminate as of the anniversary date on or immediately following the change in net amount at risk.