Common use of SINGLE LIFE RATES Clause in Contracts

SINGLE LIFE RATES. For all products, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by [*] and by the following pricing factors in years [*]: Rates as a function of the [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life UL-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*]

SINGLE LIFE RATES. For all products, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by [*] and by the following pricing factors in years [*]: Underwriting Classes Rates as a function of the [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*] Underwriting Classes Rates as a function of the [*] Single Life UL-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*]] 1 Standard Plus Non Smoker pricing factors will be used in calculating the substandard, non- smoker reinsurance premium rates. 2 Standard Smoker pricing factors will be used in calculating the substandard smoker reinsurance premium rates. EXHIBIT C

SINGLE LIFE RATES. For all productsCovered Policies, the reinsurance single life premium rates shall be calculated using the [** ], outlined in Exhibit D, multiplied by the following pricing percentages: PRICING PERCENTAGES — SINGLE LIFE PERMANENT Band (Face Amount) Gender U/W Class All Ages Dur 1 Issue Ages 0-60 Issue Ages 61-70 Issue ages 00-00 Xxx 0-00 Xxx 00-00 Xxx 21+ Xxx 0-00 Xxx 00-00 Xxx 00+ Xxx 0-00 Xxx 00-00 Xxx 21+ Band Size: $50,000 -$ 249,999 Male Super Pref. NS [*] and by the following pricing factors in years [*]: Rates as a function of the [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non [*] [*] [*] [*] [*] [*] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Non [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] Band Size: $250,000 - $ 999,999 Male Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life UL-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Non [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] Band Size: $1,000,000 + Male Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*]] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C

SINGLE LIFE RATES. In all cases, the 1st year reinsurance premium rate is [*]. For all productsCovered Policies, the reinsurance single life YRT premium rates shall will be calculated using the [*]2008 Valuation Basic, ANB, Select and Ultimate, Male/ Female, Non-smoker/ Smoker Mortality Table (VBT), outlined in Exhibit D, multiplied by [*] and by the following pricing factors in years [*]percentages, less Healthy Engagement discounts, if applicable: Rates Rate as a function of the [*] Single Life 2008 VBT S&U ANB UL/VUL Without Lifetime Secondary Guarantee Male , IUL Gender Underwriting Class Issue Ages <50 Issue Ages 50-70 Issue Ages 71+ Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 Non-smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life UL-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Substandard Smoker [*] [*] [*] [*] [*] [*] [*] Male Super Preferred Non-smoker [*] Standard Plus Non Smoker 1 [*] [*] [*] [*] [*] [*] Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*] EXHIBIT C Rate as a function of the 2008 VBT S&U ANB VUL Issue Ages <50 Issue Ages 50-70 Issue Ages 71+ Gender Underwriting Class Duration 2-20 Duration 21+ Duration 2-20 Duration 21+ Duration 2-10 Duration 11-20 Duration 21+ Female Super Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] Standard Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*] Male Super Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Non-smoker [*] [*] [*] [*] [*] [*] [*] Std Plus Non-smoker [*] [*] [*] [*] [*] [*] [*] Standard Non-smoker [*] [*] [*] [*] [*] [*] [*] Substandard Non-smoker [*] [*] [*] [*] [*] [*] [*] Preferred Smoker [*] [*] [*] [*] [*] [*] [*] Standard Smoker [*] [*] [*] [*] [*] [*] [*] Substandard Smoker [*] [*] [*] [*] [*] [*] [*]

SINGLE LIFE RATES. In all cases the first year reinsurance premium rate is [*]. For all productsCovered Policies, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by the following percentages: RATES APPLICABLE TO ALL COVERED PRODUCTS EXCEPT UL-G Durations [*] and by the following pricing factors in years [*]: Rates as a function of the Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Non Smoker Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 F [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life ULStandard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is [*], issue ages [*] must be submitted facultatively. [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C RATES APPLICABLE TO UL-G Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*]- [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is[*], issue ages [*] must be submitted facultatively. [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C

SINGLE LIFE RATES. For all productsCovered Policies, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by the following pricing percentages: PRICING PERCENTAGES — SINGLE LIFE PERMANENT Band (Face Amount) Gender U/W Class All Ages Dur 1 Issue Ages 0-60 Issue Ages 61-70 Issue ages 00-00 Xxx 0-00 Xxx 00-00 Xxx 21+ Xxx 0-00 Xxx 00-00 Xxx 00+ Xxx 0-00 Xxx 00-00 Xxx 21+ Band Size: $50,000 - $249,999 Male Super Pref. NS [*] and by the following pricing factors in years [*]: Rates as a function of the [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non [*] [*] [*] [*] [*] [*] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Non [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] Band Size: $250,000 - $999,999 Male Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life UL-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 Super Preferred Non [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] Standard Non [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] Preferred [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 [*] [*] Band Size: $1,000,000 + Male Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*]] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Female Super Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Plus NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std NS [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Pref. Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] Std Smoker [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] will be used in calculating the substandard NS reinsurance premium rates. [*] will be used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C

SINGLE LIFE RATES. In all cases the first year reinsurance premium rate is [*]. For all productsCovered Policies, the reinsurance single life premium rates shall be calculated using the [*], outlined in Exhibit D, multiplied by the following percentages: RATES APPLICABLE TO ALL COVERED PRODUCTS EXCEPT UL-G Durations [*] and by the following pricing factors in years [*]: Rates as a function of the Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] Single Life UL/VUL Without Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Non Smoker Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 F [*] [*] [*] [*] [*] [*] [*] [*] Rates as a function of the [*] Single Life ULStandard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-G With Lifetime Secondary Guarantee Male Female Underwriting Classes 0 - 60 61 - 70 71 - 80 81 - 90 0 - 60 61 - 70 71 - 80 81 - 90 19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Non Smoker Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Non Smoker 1 Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Non Smoker Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker 2 F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations[*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is [*], issue ages [*] must be submitted facultatively. [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C RATES APPLICABLE TO UL-G Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] [*] used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C Durations [*] Risk Class Gender Duration Issue Age 0-19 20-29 00-00 00-00 00-00 00-00 00-00 00-00* Super Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Super Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Plus Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Nonsmoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Preferred Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker F [*] [*] [*] [*] [*] [*] [*] [*] [*] Standard Smoker M [*] [*] [*] [*] [*] [*] [*] [*] [*] * Maximum issue age for Super Preferred Nonsmoker is [*], issue ages [*] must be submitted facultatively. [*} used in calculating the substandard NS reinsurance premium rates. [*] used in calculating the substandard Smoker reinsurance premium rates. EXHIBIT C