Southland Separate Account L1 Sample Contracts

PARTICIPATION AGREEMENT --- AMONG
Participation Agreement • October 13th, 2000 • Southland Separate Account L1 • Delaware
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SERVICE AGREEMENT
Service Agreement • October 13th, 2000 • Southland Separate Account L1 • New York
SERVICE AGREEMENT
Service Agreement • September 21st, 2000 • Southland Separate Account L1 • New York
PARTICIPATION AGREEMENT Among ING VP BOND PORTFOLIO and SOUTHLAND LIFE INSURANCE COMPANY and ING FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Delaware

THIS AGREEMENT, made and entered into as of this 1st day of May, 2001, among SOUTHLAND LIFE Insurance Company (the "Company"), a life insurance company organized under the laws of Texas, on its own behalf and on behalf of each separate account of the Company as set forth on Schedule A hereto, as such Schedule may be amended from time to time (each such account hereinafter referred to as the "Account"), ING BOND PORTFOLIO (the "Trust") an open-ended management investment company and business trust organized under the laws of Massachusetts, and ING FUNDS DISTRIBUTOR, INC. (the "Distributor"), a corporation organized under the laws of the State of Delaware.

AGREEMENT ---------
Distribution and Shareholder Services Agreement • October 13th, 2000 • Southland Separate Account L1 • Colorado
PARTICIPATION AGREEMENT AMONG PIONEER VARIABLE CONTRACTS TRUST, SOUTHLAND LIFE INSURANCE COMPANY PIONEER INVESTMENT MANAGEMENT, INC. AND PIONEER FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Massachusetts

THIS AGREEMENT, made and entered into as of the 30th day of April, 2002, by and among PIONEER VARIABLE CONTRACTS TRUST, a Delaware business trust (the "Trust"), SOUTHLAND LIFE INSURANCE COMPANY, a Texas life insurance company (the "Company") on its own behalf and on behalf of each of the segregated asset accounts of the Company set forth in Schedule A hereto, as may be amended from time to time (the "Accounts"), PIONEER INVESTMENT MANAGEMENT, INC., a Delaware corporation ("PIM") and PIONEER FUNDS DISTRIBUTOR, INC. ("PFD"), a corporation organized under the laws of The Commonwealth of Massachusetts.

PARTICIPATION AGREEMENT Among ING Partners, Inc., ING Life Insurance and Annuity Company, ING Financial Advisers, LLC and Southland Life Insurance Company
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Maryland

THIS AGREEMENT, dated as of the 1st day of May, 2002, by and among ING Partners, Inc. (the "Fund"), a management investment company organized under the laws of the State of Maryland, ING Life Insurance and Annuity Company, a life insurance company organized under the laws of the State of Connecticut, referred to herein as the "Adviser" in its capacity as investment adviser to the Fund, Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas, referred to herein as the "Company" in its capacity as the issuer of variable annuity and/or variable life insurance contracts, on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account") and ING Financial Advisers, LLC (the "Distributor"), a limited liability company organized under the laws of the State of Delaware.

PARTICIPATION AGREEMENT Among ING VARIABLE PORTFOLIOS, INC. and SOUTHLAND LIFE INSURANCE COMPANY and ING FUNDS DISTRIBUTOR, INC.
Participation Agreement • February 7th, 2003 • Southland Separate Account L1 • Delaware

THIS AGREEMENT, made and entered into as of this 1st day of May, 2001, among SOUTHLAND LIFE Insurance Company (the "Company"), a life insurance company organized under the laws of Colorado, on its own behalf and on behalf of each separate account of the Company as set forth on Schedule A hereto, as such Schedule may be amended from time to time (each such account hereinafter referred to as the "Account"), ING VARIABLE PORTFOLIOS, INC., (ING VPI), an open-ended management investment company and corporation organized under the laws of Maryland, and ING FUNDS DISTRIBUTOR, INC. (the "Distributor"), a corporation organized under the laws of the State of Delaware.

JANUS ASPEN SERIES FUND PARTICIPATION AGREEMENT (Service Shares)
Participation Agreement • December 19th, 2000 • Southland Separate Account L1 • Texas

THIS AGREEMENT is made this 1st day of October 2000, between JANUS ASPEN SERIES, an open-end management investment company organized as a Delaware business trust (the "Trust"), and Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the "Accounts").

SOUTHLAND LIFE INSURANCE COMPANY (A TEXAS CORPORATION) 5780 POWERS FERRY ROAD, N.W. ATLANTA, GEORGIA 30327-4390 MAILING ADDRESS P.O. BOX 105006 ATLANTA, GEORGIA 30348-5006 A STOCK COMPANY - ESTABLISHED 1908 John Q. Doe Agreement by Southland Life...
Southland Separate Account L1 • January 25th, 2001

Southland Life Insurance Company will pay the benefits described in this policy in accordance with the terms of this policy.

Administrative and Shareholder Services Agreement
Services Agreement • April 22nd, 2002 • Southland Separate Account L1 • Delaware

This Agreement is made as of the 1st day of May 2001, by and between ING Pilgrim Group, LLC (the "Administrator") and Southland Life Insurance Company ("Company"), collectively, the "Parties."

SCHEDULE C COMPENSATION SCHEDULE TO SELLING AGREEMENT FOR SOUTHLAND LIFE SURVIVOR DIMENSIONS VARIABLE UNIVERSAL LIFE
Selling Agreement • April 25th, 2001 • Southland Separate Account L1

This Schedule is an attachment to the ING America Equities, Inc. ("ING America Equities") Selling Agreement by and among the parties pursuant to paragraph 17 of that Selling Agreement, effective as of January 5, 2001, or the date that Selling Broker-Dealer submits an application for this product, whichever is later. The provisions of this Schedule shall apply only to Southland Life Survivor Dimensions Variable Universal Life policies solicited and issued while this Schedule is in effect. All compensation payable under this Schedule shall be subject to the terms and conditions contained herein at the time of issue of the policy by Southland Life Insurance Company ("Southland").

DISTRIBUTION AND SHAREHOLDER SERVICES AGREEMENT Service Shares of Janus Aspen Series (for Insurance Companies)
Distribution and Shareholder Services Agreement • December 19th, 2000 • Southland Separate Account L1 • Colorado

This Agreement is made as of Oct 1, 2000, by and between Janus Distributors, Inc. (the "Distributor"), a Colorado corporation, and Southland Life Insurance Company (the "Company"), a Texas corporation.

May 1, 2001 Mr. Lawrence D. Taylor Senior Vice President Product Management Southland Life Insurance Company 1290 Broadway Denver, Colorado 80203 Dear Mr. Taylor:
Southland Separate Account L1 • April 22nd, 2002 • Colorado

This letter sets forth the agreement between Southland Life Insurance Company (the "Company"), and Janus Capital Corporation (the "Adviser"), concerning certain administrative services.

FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • April 22nd, 2002 • Southland Separate Account L1 • Connecticut

Southland Life Insurance Company (the “Company”), and Aetna Income Shares1 and Aetna Variable Portfolios, Inc.2, on behalf of each of its series (each a “Fund” or in the aggregate “Funds”), and Aeltus Investment Management, Inc. (“Aeltus” or “Adviser”) hereby agree to an arrangement whereby the Funds shall be made available to serve as underlying investment media for Variable Life Insurance Policies (“Policies”) to be issued by the Company.

THIRD AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • January 25th, 2001 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund II, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

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ADMINISTRATION SERVICES AGREEMENT between Security Life of Denver Insurance Company and Southland Life Insurance Company
Administration Services Agreement • February 20th, 2003 • Southland Separate Account L1 • Texas

This Agreement is made effective as of the 26th day of May 1999, by and between Security Life of Denver Insurance Company ("SLD"), of 1290 Broadway, Denver, Colorado, 80203-5699 and Southland Life Insurance Company ("SLIC"), of 5780 Powers Ferry Road, NW, Atlanta, GA 30327-4390.

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 24th, 2001 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 22nd, 2002 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 22nd, 2002 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO JANUS ASPEN SERIES FUND PARTICIPATION AGREEMENT (Service Shares)
Fund Participation Agreement • January 25th, 2001 • Southland Separate Account L1

THIS AGREEMENT is made this 29th day of December, 2000, between JANUS ASPEN SERIES, an open-end management investment company organized as a Delaware business trust (the "Trust"), and SOUTHLAND LIFE INSURANCE COMPANY, a life insurance company organized under the laws of the State of Texas (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the "Accounts").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 24th, 2003 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

Southland Life Insurance Company Distribution Agreement
Insurance Company Distribution Agreement • April 22nd, 2002 • Southland Separate Account L1 • Texas

This agreement made effective September 1, 2001, by and between Southland Life Insurance Company, a Texas domestic insurance company ("ING Southland") on its own behalf and on behalf of Southland Life Insurance Company Separate Account A1 ("Account A1") and Southland Life Insurance Company Separate Account L1 ("Account L1") and both Account A1 and Account L1 are sometimes collectively referred to as the "Separate Accounts" and ING America Equities Inc., a Colorado corporation ("INGAE").

Administrative and Shareholder Service Agreement
Administrative and Shareholder Service Agreement • January 25th, 2001 • Southland Separate Account L1 • Colorado

This Agreement is made as of the 11th day of December, 2000, by and between Directed Services, Inc., ("Adviser") and Southland Life Insurance Company, ("Insurer") collectively "the Parties."

July 1, 2001 Mr. Lawrence D. Taylor Senior Vice President Product Management Southland Life Insurance Company 1290 Broadway Denver, Colorado 80203 Dear Mr. Taylor:
Southland Separate Account L1 • April 22nd, 2002 • Colorado

This letter sets forth the agreement between Southland Life Insurance Company (the "Company"), and Janus Capital Corporation (the "Adviser"), concerning certain administrative services.

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 24th, 2003 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund II, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • December 19th, 2000 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund II, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • December 19th, 2000 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 22nd, 2002 • Southland Separate Account L1

THIS AGREEMENT is made by and among Southland Life Insurance Company, a life insurance company organized under the laws of the State of Texas (the "Company"), Variable Insurance Products Fund II, an unincorporated business trust organized under the laws of the Commonwealth of Massachusetts (the "Fund"), and Fidelity Distributors Corporation, a Massachusetts corporation (the "Underwriter") (collectively, the "Parties").

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