Exhibit 1-A(8)(d)
REINSURANCE AGREEMENT
Between
THE AMERICAN FRANKLIN LIFE INSURANCE COMPANY
and
THE FRANKLIN LIFE INSURANCE COMPANY
TABLE OF CONTENTS
Page
Reinsurance Coverage 1
Reinsurance Limits 2
Placing Reinsurance in Effect 3
Computation of Reinsurance Premiums 3
Payment of Reinsurance Premiums 4
Settlement of Claims 5
Experience Refunds 6
Premium Tax Reimbursement 6
Policy Changes 6
Reinstatements 6
Expenses 7
Reductions 7
Inspection of Records 7
Increase in Limit of Retention 7
Oversights 8
Arbitration 8
Choice of Law and Forum 9
Insolvency 9
Parties to Agreement 9
Agreement 9
Execution and Duration of Agreement 10
Insurance Subject to Reinsurance under
this Agreement Appendix I
Retention Limits of the REINSURED Schedule A
Maximum Amounts which the REINSURED
may cede Automatically Schedule B
Application for Reinsurance Schedule C, Part I
Reinsurance Cession Form Schedule C, Part II
Premium Tables Schedule D
R E I N S U R A N C E A G R E E M E N T
between
THE AMERICAN FRANKLIN LIFE INSURANCE COMPANY
of
Springfield, Illinois,
hereinafter referred to as the "REINSURED," and
THE FRANKLIN LIFE INSURANCE COMPANY
of
Springfield, Illinois
hereinafter referred to as the "FRANKLIN."
REINSURANCE COVERAGE
1. On the basis hereinafter stated, the REINSURED'S excess of
individual ordinary Life insurance issued by the REINSURED on the policy forms
listed in Appendix I shall be reinsured with the FRANKLIN automatically, shall
be submitted to the FRANKLIN on a facultative basis, or shall be reinsured with
the FRANKLIN as continuations. A continuation is a new policy replacing a policy
issued earlier by the REINSURED ("original policy") or a change in an existing
policy issued or made either (a) in compliance with the terms of the original
policy or (b) without the same new underwriting information the REINSURED would
obtain in the absence of the original policy, without a suicide exclusion period
or a contestable period as long as those contained in new issues by the
REINSURED, or without the payment of the same commissions in the first year that
the REINSURED would have paid in the absence of the original policy.
2. Subject, in the case of facultative submissions for
reinsurance, to the REINSURED'S accepting the FRANKLIN'S offer to reinsure, the
liability of the FRANKLIN shall begin simultaneously with that of the REINSURED.
In no event shall the reinsurance be in force and binding unless the insurance
issued directly by the REINSURED is in force and unless the issuance and
delivery of such insurance constituted the doing of business in a jurisdiction
in which the REINSURED was properly licensed.
3. Life reinsurance under this agreement shall be term insurance
for the amount at risk that exceeds the REINSURED's retention. The amount of
reinsurance shall be the death benefit less the cash value less the retention.
The amount of reinsurance will be determined on each anniversary of the policy.
For Charter One policies in the first year, the amount of reinsurance will be
the Specified Amount (Initial Death Benefit) less the Initial premium less the
retention.
4. Life reinsurance in amounts less than the amount at risk upon
$5,000 of insurance shall not be placed in effect under this agreement.
Accidental Death reinsurance in amounts less than $5,000 shall not be placed in
effect under this agreement.
5. If the REINSURED issues a policy as a continuation of a policy
reinsured under this agreement, reinsurance of the continuation shall continue
with the FRANKLIN. Such reinsurance shall be in effect under the reinsurance
agreement between the REINSURED and the FRANKLIN which provides reinsurance of
the policy form issued as a continuation if there is such an agreement in effect
on the effective date of the continuation; otherwise, reinsurance shall be in
effect under the terms of this agreement.
6. The amount of reinsurance under this agreement shall be
maintained in force without reduction so long as the amount of insurance carried
by the REINSURED on the life remains in force without reduction, except as
provided in the "PAYMENT OF REINSURANCE PREMIUMS" and "INCREASE IN LIMIT OF
RETENTION" articles.
REINSURANCE LIMITS
1. If the following conditions are met, reinsurance may be ceded
automatically under this agreement in amounts not to exceed those specified in
Schedule B.
(a) The REINSURED shall retain its limit of retention.
(b) The sum of the amount of insurance already in force on
that life in the REINSURED and the amount applied for
from the REINSURED on the current application shall not
exceed the sum of the appropriate automatic limit shown
in Schedule B, and the REINSURED'S maximum limit of
retention for the mortality class, plan of insurance,
and age at issue on the current application.
(c) The sum of the amount of insurance already in force on
the life and the amount applied for currently, in all
companies, shall not exceed the following amounts.
Standard $300,000
Substandard $200,000
through Table D
Accidental Death Benefit $100,000
(d) The REINSURED has not made facultative application for
reinsurance of the current application.
(e) The policy was issued in accordance with the REINSURED'S
normal individual ordinary life underwriting rules and
practices.
(f) The policy is not a continuation.
2. If the requirements in paragraph I of this article are not met
or if the reinsured prefers to do so, it shall make an application for
reinsurance under this agreement on a facultative basis for all issues specified
in Appendix I other than continuations; the REINSURED may, at its option, make
application for reinsurance under this agreement on a facultative basis for
other issues.
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3. The FRANKLIN shall have no liability under facultative
applications for reinsurance unless the REINSURED has accepted the FRANKLIN'S
offer to reinsure.
4. Continuations shall be reinsured under this agreement only if
the original policy was reinsured with the FRANKLIN; the amount of reinsurance
under this agreement shall not exceed the amount of the reinsurance of the
original policy with the FRANKLIN immediately prior to the new issue or change.
PLACING REINSURANCE IN EFFECT
1. To effect automatic reinsurance, the REINSURED shall, send to
the FRANKLIN a preliminary application of reinsurance in substantial accord with
Schedule C, Part I. The cession (Schedule C, Part II) shall be completed by the
FRANKLIN and one copy sent to the REINSURED. Upon request, the REINSURED shall
furnish the FRANKLIN with copies of any underwriting information in the
REINSURED'S files.
2. When the REINSURED submits a risk to the FRANKLIN for
reinsurance upon a facultative basis, a facultative application for such
reinsurance shall be made on a form in substantial accord with Schedule C.
Copies of the original applications, all medical examinations, microscopical
reports, inspection reports, and all other information which the REINSURED may
have pertaining to the insurability of the risk shall accompany the application.
Upon receipt of such application, the FRANKLIN shall immediately examine the
papers and shall notify the REINSURED of its underwriting action as soon as
possible.
3. All offers of reinsurance made by the FRANKLIN under this
agreement shall, unless otherwise terminated by the FRANKLIN, automatically
terminate on the earlier of (a) the date the FRANKLIN receives notice from the
REINSURED of its withdrawal of its application and (b) the later of (i) the date
120 days after the date the offer was made by the FRANKLIN and (ii) the date
specified in the FRANKLIN'S approval of a written request from the REINSURED to
grant an extension of the offer.
COMPUTATION OF REINSURANCE PREMIUMS
1. The premium to be paid to the FRANKLIN for Life reinsurance
shall be the sum of:
(a) the appropriate premium rate from the schedule of
premiums in Schedule D applied to the appropriate amount
at risk reinsured; plus
(b) any flat extra premium charged the insured on the face
amount initially reinsured less total allowances in the
amount of 100% of any first year permanent flat extra
premium and 25% of any renewal permanent flat extra
premium for nonsmoking issues and 20% of any renewal
flat extra premium for smoker issues and 10% for any
temporary flat extra premium for all years. Permanent
flat extra premiums are those that are payable for five
years or longer; temporary flat extra premiums are those
payable for fewer than five years.
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2. The portions of the reinsurance premiums described in the
subparagraphs of the preceding paragraph shall hereinafter be referred to as the
basic premium.
3. The premium charged the REINSURED for increases in reinsurance
hereunder described in paragraph 4 of the "REINSURANCE COVERAGE" article hereof
shall be computed using the age and date of issue of the policy if the increase
in face amount is not subject to approval of the REINSURED and using the age at
and date of the increase if the increase in face amount is subject to the
REINSURED'S approval.
4. For technical reasons relating to the uncertain status of
deficiency reserve requirements by the various state insurance departments, the
Life reinsurance rates cannot be guaranteed for more than one year. On all
reinsurance ceded at these rates, however, the FRANKLIN anticipates continuing
to accept premiums on the basis of the rates shown in SCHEDULE D.
PAYMENT OF REINSURANCE PREMIUMS
1. The FRANKLIN shall send the REINSURED each month a report in
substantial accord with Schedule C, Part II, showing all outstanding first-year
policies for which the FRANKLIN'S records have been completed, all renewal
reinsurance premiums on reinsurance policies having anniversaries in the
preceding month, and all renewal and first year adjustments being processed that
month.
2. The amount due the FRANKLIN shall accompany such report and be
paid within fifteen days of receipt of the report. If the amount is due the
REINSURED, the FRANKLIN shall remit such amount to the REINSURED within fifteen
days of receipt of the report. Premiums for reinsurance hereunder are payable at
the Home office of the FRANKLIN or any other location specified by the FRANKLIN
and shall be paid on an annual basis without regard to the manner of payment
stipulated in the policy issued by the REINSURED.
3. The payment of reinsurance premiums in accordance with the
provisions of the preceding paragraph shall be a condition precedent to the
liability of the FRANKLIN under reinsurance covered by this agreement. In the
event that reinsurance premiums are not paid as provided in the preceding
paragraph, the FRANKLIN shall have the right to terminate the reinsurance under
all policies having reinsurance premiums in arrears. If the FRANKLIN elects to
exercise its right of terminations, it shall give the REINSURED thirty days
notice of its intention to terminate such reinsurance. If all reinsurance
premiums in arrears, including any which may become in arrears during the
thirty-day period, are not paid before the expiration of such period, the
FRANKLIN shall thereupon be relieved of future liability under all reinsurance
for which premiums remain unpaid. Policies on which reinsurance premiums
subsequently fall due will automatically terminate if reinsurance premiums are
not paid when due as provided in paragraph 2 of this article. The reinsurance so
terminated may be reinstated at any time within sixty days of the date of
termination upon payment of all reinsurance premiums in arrears; but, in the
event of such reinstatement, the FRANKLIN shall have no liability in connection
with any
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claims incurred between the date of termination and the date of reinstatement of
the reinsurance. The FRANKLIN'S right to terminate reinsurance as herein
provided shall be without prejudice to its right to collect premiums for the
period reinsurance was in force prior to the expiration of the thirty-day notice
period.
4. Any payment which either the REINSURED or the FRANKLIN shall
be obligated to pay to the other may be paid net of any amount which is then due
and unpaid under this agreement.
5. Premiums for reinsurance hereunder shall be paid on an annual
basis without regard to the manner of payment stipulated in the policy issued by
the REINSURED.
SETTLEMENT OF CLAIMS
1. The REINSURED shall give the FRANKLIN prompt notice of any
claim submitted on a policy reinsured hereunder and prompt notice of the
instigation of any legal proceedings in connection therewith. Copies of proofs
or other documents bearing on such claim or proceeding shall be furnished to the
FRANKLIN when requested.
2. The FRANKLIN shall accept the good faith decision of the
REINSURED in settling any claim or suit and shall pay, at its Home Office, its
share of net reinsurance liability upon receiving proper evidence of the
REINSURED'S having settled with the claimant. Payment of net reinsurance
liability on account of death shall be made in one lump sum.
3. If the REINSURED should contest or compromise any claim or
proceeding, and the amount of net liability thereby be reduced, the FRANKLIN'S
reinsurance liability shall be reduced in the proportion that the net liability
of the FRANKLIN bore to the sum of the retained net liability of the REINSURED
and the net liability of other reinsurers existing as of the occurence of the
claim.
4. Any unusual expenses incurred by the REINSURED in defending or
investigating a claim for policy liability or in taking upon or rescinding a
policy reinsured hereunder shall be participated in by the FRANKLIN in the same
proportion as described in paragraph 3, above.
5. In no event shall the following categories of expenses or
liabilities be considered, for purposes of this agreement, as "unusual expenses"
or items of "net reinsurance liability:"
(a) routine investigative or administrative expenses;
(b) expenses incurred in connection with a dispute or
contest arising out of conflicting claims of entitlement
to policy proceeds or benefits which the REINSURED
admits are payable;
(c) expenses, fees, settlements, or judgments, arising out
of or in connection with claims against the REINSURED
for punitive or exemplary damages;
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(d) expenses, fees, settlements, or judgements arising out
of or in connection with claims made against the
REINSURED and based on alleged or actual bad faith,
failure to exercise good faith, or tortious conduct.
6. For purposes of this agreement, penalties, attorney's fees,
and interest imposed automatically by statute against the REINSURED and arising
solely out of a judgment being rendered against the REINSURED in a suit for
policy benefits reinsured hereunder shall be considered "unusual expenses."
7. In the event that the amount of insurance provided by a policy
or policies reinsured hereunder is increased or reduced because of a
misstatement of age or sex established after the death of the insured, the net
reinsurance liability of the FRANKLIN shall increase or reduce in the proportion
that the net reinsurance liability of the FRANKLIN bore to the sum of the net
retained liability of the REINSURED and the net liability of other reinsurers
immediately prior to the discovery of such misstatement of age or sex.
Reinsurance policies in force with the FRANKLIN shall be reformed on the basis
of the adjusted amounts, using premiums and reserves applicable to the correct
age and sex. Any adjustment in reinsurance premiums shall be made without
interest.
8. The FRANKLIN shall refund to the REINSURED any reinsurance
premiums, without interest, unearned as of the date of death of the life
reinsured hereunder.
EXPERIENCE REFUNDS
Reinsurance hereunder shall not be considered for experience
refunds.
PREMIUM TAX REIMBURSEMENT
When the FRANKLIN is not required to pay state premium taxes upon
reinsurance premiums received from the REINSURED, it shall reimburse the
REINSURED for any such taxes the latter may be required to pay with respect to
that part of the premiums received under the REINSURED'S original policies which
is remitted to the FRANKLIN as reinsurance premiums.
POLICY CHANGES
If a change is made in the policy issued by the REINSURED to the
insured which affects reinsurance hereunder, the REINSURED shall immediately
notify the FRANKLIN of such change.
REINSTATEMENTS
If a policy reinsured hereunder lapses for nonpayment of premium
and is reinstated in accordance with its terms and the rules of the REINSURED,
the FRANKLIN shall automatically reinstate its reinsurance under such policy The
REINSURED shall pay the FRANKLIN all reinsurance premiums in arrears in
connection with the reinstatement with interest at the same rate and in the same
manner as the REINSURED received under its policy.
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EXPENSES
The REINSURED shall bear the expense of all medical examinations,
inspection fees, and other charges incurred in connection with the original
policy.
REDUCTIONS
1. Except as otherwise provided in paragraph 3 of the
"REINSURANCE COVERAGE" article hereof, if a portion of the insurance issued by
the REINSURED on a life reinsured hereunder is terminated, reinsurance on that
life hereunder shall be reduced as hereinafter provided to restore, as far as
possible, the retention level of the REINSURED on the risk, provided, however,
that the REINSURED shall not assume on any policy being adjusted as provided in
this article an amount of insurance in excess of the higher of, for the
retention category of that policy, (a) its retention limit at the time of issue
of that policy and (b) the retention limit of that policy as already adjusted by
the provisions of the "INCREASE IN LIMIT OF RETENTION" article. The reduction in
reinsurance shall first be applied to the reinsurance, if any, of the specific
policy under which insurance terminated. The reinsurance of the FRANKLIN shall
be reduced by an amount which is the same proportion of the amount of reduction
so applied as the reinsurance of the FRANKLIN on the policy bore to the total
reinsurance of the policy. The balance, if any, of the reduction shall be
applied to reinsurance of other policies on the life, the further reduction, if
any, in the reinsurance of the FRANKLIN again being determined on a proportional
basis.
2. The FRANKLIN shall return to the REINSURED any basic life
reinsurance premiums, without interest thereon, paid to the FRANKLIN for any
period beyond the date of reduction of reinsurance hereunder.
INSPECTION OF RECORDS
The FRANKLIN shall have the right at say reasonable time to
inspect, at the office of the REINSURED, all books and documents relating to the
reinsurance under this agreement.
INCREASE IN LIMIT OF RETENTION
1. The REINSURED may increase its limit of retention and may
elect, subject to the other provisions of this article, to: (a) continue
unchanged reinsurance then in force under this agreement: (b) make reductions in
both standard and substandard reinsurance then in force under this agreement; or
(c) make reductions in standard reinsurance then in force under this agreement.
The increased limit of retention shall be effective with respect to new
reinsurance on the date specified by the REINSURED subsequent to written notice
to the FRANKLIN. Such written notice shall specify the new limit of retention,
the effective date thereof, and the election permitted by the first sentence of
this paragraph. If the REINSURED makes election (b) or (c), the amount of
reinsurance shall be reduced, except as hereinafter provided, to the excess, if
any, over the REINSURED'S new limit of retention.
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2. No reduction shall be made in the amount of any reinsurance
policy unless the REINSURED retained its maximum limit of retention for the
plan, age, and mortality classification at the time the policy was issued, nor
shall reductions be made unless held by the REINSURED at its own risk without
benefit of any proportional or nonproportional reinsurance other than
catastrophe accident reinsurance. No reduction shall be made in any class of
reinsurance fully reinsured. The plan, age, and mortality classification at
issue shall be used to determine the REINSURED'S new retention on any life on
which reinsurance policies are reduced in accordance with the provisions of this
article.
3. The reduction in each reinsurance policy shall be effective
upon the reinsurance renewal date of that policy first following the effective
date of the increased limit of retention or upon the tenth reinsurance renewal
date of the reinsurance policy, if later. If there is reinsurance in other
reinsurers on a life on whom a reinsurance policy will be reduced hereunder, the
FRANKLIN shall share in the reduction in the proportion that the amount of
reinsurance of the FRANKLIN on the life bore to the amount of reinsurance of
other reinsurers on the life.
4. In the event the REINSURED overlooks any reduction in the
amount of a reinsurance policy which should have been made on account of an
increase in the REINSURED'S limit of retention, the acceptance by the FRANKLIN
of reinsurance premiums under such circumstances and after the effective date of
the reduction shall not constitute or determine a liability on the part of the
FRANKLIN for such reinsurance. The FRANKLIN shall be liable only for a refund of
premiums so received, without interest.
OVERSIGHTS
It is understood and agreed that, it failure to comply with any
terms of this agreement is shown to be unintentional and the result of
misunderstanding or oversight on the part of either the REINSURED or the
FRANKLIN, both the REINSURED and the FRANKLIN shall be restored to the positions
they would have occupied had no such misunderstanding or oversight occurred.
ARBITRATION
It is the intention of the REINSURED and the FRANKLIN that the
customs and practices of the insurance and reinsurance industry shall be given
full effect in the operation and interpretation of this agreement. The parties
agree to act in all things with the highest good faith. If the REINSURED and the
FRANKLIN cannot mutually resolve a dispute which arises out of or relates to
this agreement, however, the dispute shall be decided through arbitration as set
forth in the Schedule E. The arbitrators shall base their decision on the terms
and conditions of this agreement plus, as necessary, on the customs and
practices of the insurance and reinsurance industry rather than solely on a
strict interpretation of the applicable law; there shall be no appear from their
decision, and any court having jurisdiction of the subject matter and the
parties may reduce that decision to judgment.
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CHOICE OF LAW AND FORUM
Illinois law shall govern the terms and conditions of the
agreement. In the case of an arbitration, the arbitration hearing shall take
place in Springfield, Illinois, and the Illinois Uniform Arbitration Act shall
control except as provided in the "ARBITRATION" article.
INSOLVENCY
1. In the event of the insolvency of the REINSURED, all
reinsurance shall be payable directly to the liquidator, receiver, or statutory
successor of said REINSURED, without diminution because of the insolvency of the
REINSURED.
2. In the event of insolvency of the REINSURED, the liquidator,
receiver, or statutory successor shall give the FRANKLIN written notice of the
pendency of a claim on a policy reinsured within a reasonable time after such
claim is filed in the insolvency proceeding. During the pendency of any such
claim, the FRANKLIN may investigate such claim and interpose, in the name of the
REINSURED (its liquidator, receiver, or statutory successor), but at its own
expense, in the proceeding where such claim is to be adjudicated, any defense or
defenses which the FRANKLIN may deem available to the REINSURED or its
liquidator, receiver, or statutory successor.
3. The expense thus incurred by the FRANKLIN shall be chargeable,
subject to court approval, against the REINSURED as part of the expense of
liquidation to the extent of a proportionate share of the benefit which may
accrue to the REINSURED solely as a result of the defense undertaken by the
FRANKLIN. Where two or more reinsurers are participating in the same claim and a
majority in interest elect to interpose a defense or defenses to any such claim,
the expense shall be apportioned in accordance with the terms of the reinsurance
agreement as though such expense had been incurred by the REINSURED.
4. Any debts or credits; matured or unmatured, liquidated or
unliquidated, in favor of or against either the REINSURED or the FRANKLIN with
respect to this agreement or with respect to any other claim of one party
against the other are deemed mutual debts or credits, as the case may be, and
shall be set off, and only the balance shall be allowed or paid.
PARTIES TO AGREEMENT
This is an agreement for indemnity reinsurance solely between the
REINSURED and the FRANKLIN. The acceptance of reinsurance hereunder shall not
create any right or legal relation whatever between the FRANKLIN and the insured
or the beneficiary under any policy reinsured hereunder.
AGREEMENT
This Agreement represents the entire contract between the
REINSURED and the FRANKLIN and supersedes, with respect to its subject, any
prior oral or written agreements.
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EXECUTION AND DURATION OF AGREEMENT
The provisions of this reinsurance agreement shall be effective
with respect to policies for which the date on which application was first made
to the REINSURED is on or after the first day of January, 1988, but in no event
shall this agreement become effective unless and until it has been duly executed
by two officers of the FRANKLIN at its Home Office in Springfield, Illinois.
This agreement shall be unlimited as to its duration but may be terminated at
any time, insofar as it pertains to the handling of new reinsurance thereafter,
by either party giving three months' notice of termination in writing. The
FRANKLIN shall continue to consider application for reinsurance during the three
months aforesaid and shall remain liable on all reinsurance granted under this
agreement until the termination or expiry of the insurance reinsured.
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IN WITNESS WHEREOF the said
THE AMERICAN FRANKLIN LIFE INSURANCE COMPANY
of
Springfield, Illinois,
and the said
THE FRANKLIN LIFE INSURANCE COMPANY
of
Springfield, Illinois,
have by their respective officers executed and delivered these presents in
duplicate on the dates shown below.
THE AMERICAN FRANKLIN LIFE INSURANCE COMPANY
Signed at Springfield, Illinois
By By
---------------------------------- ----------------------------------
Title President Title Sr. Vice President and General
Counsel
Date December 22, 1988 Date 12/22/88
THE FRANKLIN LIFE INSURANCE COMPANY
Signed at Springfield, Illinois
By By
---------------------------------- ----------------------------------
Senior Vice President - Actuarial Vice President and Actuary
Date December 19, 1988 Date December 19, 1988
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APPENDIX I
Insurance Subject to Reinsurance under this Agreement
Policy Form 1701 Flexible Premium Adjustable
Life Insurance (Charter One)
Policy Form T1702 (XL Plus)--Universal Life
SCHEDULE A
Retention Limits of the REINSURED
LIFE
AGES STANDARD-TABLE D
---- ----------------
0-70 $50,000
ACCIDENTAL DEATH BENEFIT
$50,000
WAIVER OF PREMIUM DISABILITY
Retain Entire Disability Risk
SCHEDULE B
Maximum Amounts which the REINSURED may cede Automatically
LIFE
SUBSTANDARD
AGES STANDARD THROUGH TABLE D
---- -------- ---------------
0-70 $300,000 on an $200,000 less
individual life REINSURED'S
less REINSURED'S retention
retention
ACCIDENTAL DEATH BENEFITS
$100,000 less REINSURED'S Retention
The American Franklin Life Insurance Company
Automatic Springfield, Illinois Schedule C, Part I
----
Facultative PRELIMINARY APPLICATION FOR REINSURANCE TO
----
THE FRANKLIN LIFE INSURANCE CO.
On the life of Birthdate Age
-------------------------- -------------- -----
PREVIOUS INSURANCE
LIFE DISABILITY A.D.B.
Insurance in force $ $ $ Plan
------------- ------------- -------------- ------------
Of which we retain $ $ $ Existing Xxx.Xx(s).
------------- ------------- --------------
Substandard ratings and dates
------------------------------------------
CURRENT INSURANCE
LIFE DISABILITY A.D.B.
Insurance applied
for $ $ $ Plan
------------- ------------- -------------- ------------
Of which we New Policy No(s).
propose to retain $ $ $
------------- ------------- --------------
Aviation Exclusion Provision? / / Yes / / No
REINSURANCE APPLIED FOR
Life Reinsurance $ Plan
------------------------ --------------------------------
Disability $
------------------------ --------------------------------
(Face Amount) (Monthly Inc. or W. or P. Only?)
Accidental Death Benefit $
------------------------ --------------------------------
Juvenile Payor Benefits
corresponding to $
------------------------ --------------------------------
(Face Amount) (Monthly Inc. or W. or P. Only?)
A quotation on this risk / / has / / has not been requested.
MIB Codes:
Remarks:
Date
-------------------------------- ----------------------------------
Name of Underwriter
/ / MEDICAL
/ / NONMEDICAL FORMAL REINSURANCE CESSION
/ / AUTOMATIC To The Franklin Life Insurance Company Schedule C,
/ / FACULTATIVE Springfield, Illinois Part II
/ / AMENDED CESSION*
------------------------------------------ --------------- -----------------------
NAME OF INSURED BIRTH DATE STATE OF RESIDENCE
--------------------------- ---------------------- ------------------ --------------------------------
POLICY NUMBER POLICY DATE SHORT TERM FROM RESERVE BASIS:
MORT.TABLE,INT.RATE,MODIFICATION
ACCIDENTAL
LIFE DISABILITY DEATH BENEFIT PLAN
Previous insurance in force $ $ $
--------------- --------------- --------------- ---------------
of which we retain $ $ $
--------------- --------------- ---------------
Rating, if substandard $ $ $
--------------- --------------- ---------------
New insurance issued $ $ $
--------------- --------------- --------------- ---------------
of which we retain $ $ $
--------------- --------------- ---------------
Ratings, if substandard or PRD $ $
--------------- ---------------
Reinsurance ceded to The Franklin $ $
--------------- ---------------
*Remarks
DATE CEDING COMPANY The American Franklin Life Ins. Co.
-----------------
DATED AT Springfield, Illinois BY
--------------------- -----------------------------------------------
AGE / / AGE NEAREST BIRTHDAY
-------------------------
SHORT TERM:
PREMIUM $ / / AGE LAST BIRTHDAY
--------------------
DETAILS OF THE REINSURANCE
PREMIUMS
RETENTION AMOUNT ----------------------------------------------------
POLICY OR AT TABLE POLICY TOTAL
YEAR TERM.RESERVE RISK AGE STANDARD EXTRA ADB FEE PREMIUM
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
19
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
19
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
19
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
19
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
19
------ -------- ---------------- ----------- --- ------------ ------------ ----------- ----------- ----------- -----------
SHOW NET AMOUNTS AT RISK FOR 5 YEARS SHOW ALL PREMIUMS NET OF COMMISSION
FRANKLIN POLICY NO.
------------------------------
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The above cession is accepted subject to the terms and conditions
of the contact of Indemnity reinsurance now in force between the
aforesaid Ceding Company and
THE FRANKLIN LIFE INSURANCE COMPANY
BY
------------------------------------------
Secretary
DATED AT SPRINGFIELD, ILLINOIS DAY OF , 19
----------- --------------------- -----
Form 6073-A
Schedule D
Premium Tables
STANDARD
RPR Nonsmoker--Nonexperience Rated
RPR Smoker --Nonexperience Rated
10 Year Recapture
No Premium Tax Reimbursement
Policy Fees: $15.00 First Year
10.00 Renewal Years
SUBSTANDARD
RPR Composite--Nonexperience Rated
Extra Premiums for each Table of Rating
For Ratings Higher than Table One, Apply Appropriate Multiple
Schedule D
RPR SCALE NONSMOKER--NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
0 0 3.70 0.90 0.63 0.57 0.53 0.52 0.48 0.46 0.45 0.43 0.41 10 10
1 1 0.83 0.63 0.56 0.53 0.48 0.48 0.46 0.44 0.41 0.41 0.43 11 11
2 2 0.59 0.56 0.53 0.48 0.46 0.45 0.44 0.41 0.40 0.41 0.45 12 12
3 3 0.56 0.52 0.48 0.45 0.41 0.43 0.40 0.40 0.40 0.44 0.50 13 13
4 4 0.50 0.47 0.44 0.41 0.40 0.40 0.39 0.40 0.43 0.48 0.57 14 14
5 5 0.47 0.46 0.41 0.40 0.39 0.39 0.39 0.41 0.48 0.55 0.64 15 15
6 6 0.44 0.41 0.39 0.38 0.38 0.39 0.41 0.47 0.54 0.63 0.72 16 16
7 7 0.39 0.38 0.37 0.37 0.38 0.40 0.47 0.54 0.62 0.71 0.83 17 17
8 8 0.39 0.39 0.38 0.40 0.43 0.46 0.53 0.60 0.69 0.80 0.86 18 18
9 9 0.38 0.39 0.41 0.44 0.48 0.53 0.60 0.69 0.78 0.87 0.90 19 19
10 10 0.41 0.45 0.48 0.53 0.58 0.64 0.75 0.83 0.86 0.90 0.91 20 20
11 11-17 0.44 0.50 0.54 0.59 0.65 0.71 0.81 0.86 0.90 0.91 0.94 21 21-27
12 18 0.47 0.56 0.62 0.67 0.72 0.76 0.86 0.90 0.91 0.94 1.01 22 28
13 19 0.52 0.66 0.73 0.77 0.82 0.84 0.90 0.91 0.94 1.01 1.06 23 29
14 20 0.58 0.74 0.78 0.83 0.86 0.90 0.91 0.94 1.01 1.02 1.06 24 30
15 21 0.65 0.78 0.83 0.86 0.90 0.91 0.94 0.97 1.00 1.01 1.05 25 31
16 22 0.69 0.83 0.86 0.90 0.91 0.95 0.96 0.96 0.97 0.99 1.03 26 32
17 23 0.74 0.81 0.84 0.86 0.92 0.94 0.94 0.94 0.95 0.96 1.02 27 33
18 24 0.75 0.78 0.83 0.85 0.91 0.92 0.91 0.91 0.91 0.93 1.03 28 34
19 25 0.73 0.77 0.82 0.85 0.87 0.88 0.87 0.87 0.88 0.91 1.04 29 35
20 26 0.69 0.75 0.82 0.84 0.84 0.84 0.84 0.84 0.85 0.88 1.05 30 36
21 27 0.67 0.78 0.78 0.81 0.82 0.82 0.82 0.82 0.84 0.86 1.05 31 37
22 28 0.65 0.76 0.76 0.76 0.78 0.78 0.78 0.81 0.82 0.85 1.05 32 38
23 29 0.64 0.76 0.76 0.76 0.76 0.76 0.77 0.80 0.83 0.87 1.08 33 39
24 30 0.63 0.75 0.75 0.75 0.75 0.75 0.77 0.81 0.85 0.90 1.11 34 40
25 31 0.59 0.75 0.75 0.75 0.75 0.75 0.77 0.82 0.88 0.95 1.18 35 41
26 32 0.57 0.75 0.75 0.75 0.75 0.76 0.81 0.85 0.93 1.01 1.24 36 42
27 33 0.55 0.75 0.75 0.75 0.76 0.80 0.83 0.91 1.01 1.09 1.33 37 43
28 34 0.55 0.75 0.75 0.77 0.80 0.82 0.88 0.97 1.09 1.19 1.46 38 44
29 35 0.55 0.75 0.80 0.85 0.86 0.88 0.96 1.06 1.19 1.32 1.59 39 45
Schedule D
RPR SCALE NONSMOKER--NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
30 36 0.56 0.80 0.85 0.90 0.93 0.95 1.04 1.18 1.31 1.46 1.76 40 46
31 37 0.57 0.85 0.90 0.96 1.00 1.03 1.14 1.28 1.46 1.62 1.94 41 47
32 38 0.58 0.90 0.96 1.03 1.09 1.13 1.25 1.41 1.61 1.80 2.14 42 48
33 39 0.59 0.96 1.03 1.10 1.19 1.23 1.38 1.57 1.77 1.99 2.36 43 49
34 40 0.63 1.03 1.10 1.19 1.28 1.36 1.51 1.71 1.94 2.20 2.61 44 50
35 41 0.65 1.09 1.19 1.28 1.40 1.49 1.68 1.88 2.13 2.42 2.87 45 51
36 42 0.68 1.19 1.28 1.40 1.52 1.65 1.86 2.07 2.34 2.65 3.14 46 52
37 43 0.71 1.28 1.40 1.52 1.66 1.80 2.05 2.30 2.58 2.92 3.43 47 53
38 44 0.73 1.33 1.52 1.66 1.80 1.98 2.26 2.54 2.86 3.23 3.75 48 54
39 45 0.78 1.42 1.64 1.80 1.95 2.18 2.51 2.81 3.16 3.55 4.10 49 55
40 46 0.84 1.50 1.77 1.95 2.11 2.40 2.77 3.10 3.48 3.91 4.48 50 56
41 47 0.88 1.58 1.93 2.11 2.27 2.62 3.05 3.42 3.82 4.27 4.91 51 57
42 48 0.96 1.67 2.05 2.27 2.48 2.87 3.34 3.74 4.18 4.65 5.36 52 58
43 49 1.04 1.75 2.16 2.48 2.69 3.10 3.64 4.08 4.50 5.01 5.88 53 59
44 50 1.13 1.84 2.31 2.69 2.91 3.35 3.95 4.41 4.86 5.38 6.44 54 60
45 51 1.22 1.95 2.50 2.91 3.16 3.64 4.31 4.78 5.24 5.78 7.07 55 61
46 52 1.34 2.08 2.68 3.15 3.40 3.95 4.69 5.19 5.66 6.24 7.77 56 62
47 53 1.46 2.24 2.90 3.38 3.70 4.31 5.12 5.64 6.14 6.76 8.49 57 63
48 54 1.58 2.43 3.11 3.67 4.02 4.77 5.63 6.19 6.73 7.44 9.32 58 64
49 55 1.69 2.61 3.37 3.98 4.38 5.24 6.17 6.76 7.36 8.14 10.21 59 65
50 56 1.79 2.82 3.66 4.30 4.76 5.75 6.74 7.37 8.03 8.89 11.17 60 66
51 57 1.92 3.05 3.96 4.65 5.14 6.26 7.34 8.00 8.71 9.69 12.19 61 67
52 58 2.08 3.26 4.27 5.01 5.52 6.73 7.91 8.60 9.37 10.45 13.26 62 68
53 59 2.24 3.44 4.56 5.33 5.87 7.10 8.42 9.13 9.91 11.11 14.39 63 69
54 60 2.37 3.63 4.88 5.69 6.24 7.48 8.95 9.68 10.49 11.80 15.64 64 70
55 61 2.51 3.84 5.24 6.12 6.68 7.90 9.52 10.25 11.12 12.59 16.95 65 71
56 62 2.69 4.08 5.62 6.59 7.18 8.39 10.12 10.91 11.86 13.47 18.22 66 72
57 63 2.90 4.36 6.07 7.18 7.81 8.98 10.79 11.67 12.77 14.55 19.60 67 73
58 64 3.12 4.70 6.59 7.95 8.64 9.78 11.50 12.60 13.92 15.90 21.06 68 74
59 65 3.39 5.08 7.13 8.78 9.54 10.65 12.31 13.63 15.20 17.40 22.68 69 75
Schedule D
RPR SCALE NONSMOKER--NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
60 66 3.71 5.53 7.75 9.67 10.54 11.64 13.20 14.74 16.61 19.07 24.47 70 76
61 67 4.07 6.04 8.42 10.58 11.60 12.69 14.20 15.94 18.10 20.87 26.43 71 77
62 68 4.55 6.69 9.21 11.54 12.75 13.84 15.32 17.09 19.52 22.62 28.58 72 78
63 69 5.14 7.46 10.08 12.48 13.96 15.06 16.56 18.26 20.89 24.40 30.91 73 79
64 70 5.76 8.24 10.96 13.41 15.18 16.37 17.95 19.58 22.44 26.41 33.43 74 80
65 71 6.35 9.00 11.80 14.28 16.39 17.75 19.49 21.13 24.28 28.75 36.55 75 81
66 72 6.89 9.69 12.58 15.09 17.56 19.19 21.19 22.96 26.47 31.51 39.89 76 82
67 73 7.07 9.95 12.88 15.51 18.69 20.66 23.06 25.11 29.10 34.72 43.62 77 83
68 74 7.12 10.02 13.01 15.83 19.72 22.20 25.12 27.69 32.24 38.48 47.70 78 84
69 75 7.18 10.11 13.15 16.13 20.65 23.78 27.38 30.70 35.96 42.92 52.25 79 85
70 76 7.24 10.19 13.29 16.43 21.44 25.39 29.86 34.22 40.38 48.12 57.39 80 86
71 77 7.29 10.29 13.43 16.73 22.08 27.03 32.54 38.29 45.56 54.16 63.21 81 87
72 78 7.34 10.37 13.57 17.05 22.52 28.68 35.44 43.02 51.64 61.16 69.41 82 88
73 79 7.36 10.45 13.72 17.38 22.92 30.15 37.99 47.14 56.64 66.33 76.13 83 89
74 80 8.13 11.52 15.10 19.13 25.20 32.84 41.37 51.31 61.80 72.16 82.88 84 90
75 81 8.89 12.59 16.49 20.84 27.44 36.05 45.39 56.44 67.76 79.14 89.76 85 91
76 82 10.54 14.93 19.52 24.66 32.45 40.77 51.48 63.78 76.61 89.24 96.72 86 92
77 83 13.25 18.73 24.47 30.91 40.66 48.18 60.63 75.15 86.90 96.43 103.75 87 93
78 84 16.34 23.08 30.16 38.06 48.18 60.63 73.29 84.96 93.90 103.75 110.77 88 94
79 85 19.96 28.19 36.81 46.59 58.95 73.29 84.96 93.90 103.75 110.77 118.87 89 95
80 86 22.81 32.19 42.16 53.18 66.64 82.52 93.90 103.75 110.77 118.87 127.09 90 96
81 87 26.11 36.94 48.23 60.85 75.89 93.90 103.75 110.77 118.87 127.09 136.96 91 97
82 88 29.05 41.03 53.61 67.66 84.67 103.75 110.77 118.87 127.09 136.96 148.16 92 98
83 89 32.29 45.57 59.57 75.16 94.60 110.77 118.87 127.09 136.96 148.16 159.14 93 99
84 90 35.82 50.56 66.07 83.36 104.64 118.87 127.09 136.96 148.16 159.14 170.81 94
85 91 39.52 55.79 72.91 91.97 115.65 127.09 136.96 148.16 159.14 170.81 183.72 95
204.70 96
242.57 97
278.08 98
334.23 99
Schedule D
RPR SCALE SMOKER--NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
0 0 5.71 1.38 0.97 0.87 0.82 0.80 0.75 0.72 0.68 0.66 0.65 10 10
1 1 1.28 0.97 0.86 0.82 0.75 0.74 0.71 0.67 0.65 0.64 0.66 11 11
2 2 0.92 0.86 0.81 0.75 0.71 0.69 0.67 0.64 0.63 0.64 0.69 12 12
3 3 0.86 0.80 0.74 0.69 0.65 0.66 0.63 0.62 0.63 0.67 0.78 13 13
4 4 0.77 0.73 0.67 0.65 0.63 0.62 0.60 0.62 0.66 0.75 0.88 14 14
5 5 0.73 0.71 0.65 0.63 0.60 0.60 0.60 0.65 0.74 0.85 0.99 15 15
6 6 0.67 0.64 0.60 0.59 0.58 0.60 0.64 0.73 0.84 0.96 1.11 16 16
7 7 0.60 0.59 0.57 0.57 0.59 0.63 0.73 0.83 0.95 1.10 1.29 17 17
8 8 0.60 0.60 0.59 0.62 0.66 0.72 0.82 0.94 1.08 1.23 1.33 18 18
9 9 0.58 0.60 0.64 0.67 0.74 0.81 0.93 1.08 1.22 1.34 1.38 19 19
10 10 0.64 0.69 0.74 0.81 0.90 0.99 1.15 1.29 1.33 1.38 1.40 20 20
11 11-17 0.67 0.77 0.84 0.92 1.01 1.09 1.24 1.33 1.38 1.40 1.46 21 21-27
12 18 0.73 0.86 0.85 1.04 1.11 1.18 1.33 1.38 1.40 1.46 1.56 22 28
13 19 0.80 1.02 1.12 1.19 1.25 1.30 1.38 1.40 1.46 1.56 1.65 23 29
14 20 0.90 1.14 1.22 1.29 1.33 1.38 1.40 1.46 1.56 1.58 1.64 24 30
15 21 1.00 1.22 1.29 1.33 1.38 1.40 1.46 1.51 1.53 1.56 1.62 25 31
16 22 1.08 1.29 1.33 1.38 1.41 1.47 1.49 1.49 1.50 1.52 1.59 26 32
17 23 1.14 1.24 1.30 1.33 1.42 1.44 1.46 1.46 1.47 1.49 1.58 27 33
18 24 1.15 1.22 1.28 1.32 1.41 1.42 1.40 1.40 1.41 1.43 1.59 28 34
19 25 1.12 1.19 1.25 1.32 1.36 1.37 1.36 1.36 1.37 1.40 1.61 29 35
20 26 1.08 1.16 1.25 1.30 1.30 1.30 1.30 1.30 1.31 1.37 1.62 30 36
21 27 1.04 1.22 1.22 1.24 1.27 1.27 1.27 1.25 1.30 1.33 1.62 31 37
22 28 1.01 1.18 1.18 1.18 1.21 1.21 1.22 1.24 1.27 1.32 1.62 32 38
23 29 0.99 1.18 1.18 1.18 1.18 1.18 1.19 1.23 1.28 1.36 1.66 33 39
24 30 0.97 1.16 1.16 1.16 1.16 1.16 1.19 1.24 1.31 1.38 1.71 34 40
25 31 0.92 1.16 1.16 1.16 1.16 1.16 1.20 1.27 1.37 1.47 1.81 35 41
26 32 0.88 1.16 1.16 1.16 1.16 1.18 1.24 1.31 1.43 1.56 1.92 36 42
27 33 0.85 1.16 1.16 1.16 1.18 1.23 1.29 1.40 1.56 1.68 2.06 38 43
28 34 0.85 1.16 1.16 1.20 1.23 1.27 1.37 1.51 1.68 1.84 2.25 38 44
29 35 0.85 1.16 1.23 1.31 1.33 1.37 1.49 1.65 1.84 2.04 2.26 39 45
Schedule D
RPR SCALE SMOKER--NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
30 36 0.86 1.23 1.31 1.39 1.43 1.48 1.61 1.81 2.03 2.25 2.71 40 46
31 37 0.87 1.31 1.39 1.49 1.55 1.60 1.76 1.98 2.25 2.51 3.00 41 47
32 38 0.90 1.39 1.49 1.59 1.68 1.75 1.94 2.18 2.50 2.79 3.30 42 48
33 39 0.92 1.49 1.59 1.70 1.83 1.90 2.13 2.42 2.74 3.08 3.65 43 49
34 40 0.96 1.59 1.70 1.83 1.98 2.09 2.34 2.64 3.00 3.39 4.03 44 50
35 41 1.01 1.68 1.83 1.98 2.16 2.30 2.59 2.90 3.29 3.73 4.42 45 51
36 42 1.05 1.83 1.98 2.16 2.35 2.54 2.87 3.20 3.62 4.10 4.85 46 52
37 43 1.10 1.97 2.16 2.35 2.56 2.79 3.16 3.54 3.98 4.52 5.30 47 53
38 44 1.13 2.06 2.35 2.56 2.79 3.07 3.51 3.92 4.41 4.98 5.80 48 54
39 45 1.21 2.20 2.53 2.79 3.01 3.37 3.88 4.35 4.88 5.49 6.34 49 55
40 46 1.30 2.32 2.73 3.01 3.26 3.71 4.28 4.79 5.39 6.04 6.93 50 56
41 47 1.37 2.44 2.97 3.26 3.52 4.05 4.70 5.28 5.90 6.60 7.58 51 57
42 48 1.49 2.58 3.16 3.52 3.82 4.42 5.16 5.79 6.45 7.18 8.29 52 58
43 49 1.61 2.70 3.34 3.82 4.16 4.79 5.62 6.29 6.96 7.73 9.08 53 59
44 50 1.75 2.83 3.57 4.16 4.50 5.17 6.12 6.82 7.52 8.31 9.96 54 60
45 51 1.89 3.01 3.86 4.50 4.88 5.62 6.66 7.39 8.10 8.94 10.93 55 61
46 52 2.08 3.23 4.14 4.86 5.25 6.10 7.26 8.02 8.75 9.64 12.01 56 62
47 53 2.25 3.46 4.48 5.23 5.71 6.66 7.91 8.72 9.49 10.46 13.13 57 63
48 54 2.44 3.76 4.80 5.68 6.22 7.37 8.70 9.56 10.39 11.49 14.40 58 64
49 55 2.61 4.03 5.22 6.14 6.76 8.10 9.54 10.46 11.38 12.59 15.78 59 65
50 56 2.77 4.37 5.67 6.65 7.36 8.88 10.42 11.39 12.41 13.74 17.26 60 66
51 57 2.96 4.72 6.13 7.19 7.94 9.68 11.33 12.36 13.47 14.96 18.83 61 67
52 58 3.21 5.04 6.60 7.74 8.53 10.39 12.22 13.29 14.49 16.15 20.50 62 68
53 59 3.46 5.32 7.04 8.24 9.06 10.96 13.01 14.10 15.32 17.17 22.24 63 69
54 60 3.66 5.61 7.55 8.79 9.64 11.56 13.83 14.95 16.22 18.24 24.17 64 70
55 61 3.89 5.94 8.10 9.44 10.32 12.21 14.71 15.84 17.19 19.45 26.19 65 71
56 62 4.16 6.31 8.69 10.18 11.10 12.96 15.65 16.86 18.32 20.83 28.16 66 72
57 63 4.48 6.74 9.39 11.10 12.07 13.89 16.67 18.04 19.72 22.49 30.30 67 73
58 64 5.24 7.86 10.18 12.29 13.34 15.11 17.77 19.47 21.52 24.58 32.55 68 74
59 65 5.24 7.86 11.03 13.56 14.75 16.46 19.02 21.06 23.50 26.90 35.06 69 75
Schedule D
RPR SCALE SMOKER - NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
------------ ----------------------------------------------------------------------------------------------- ------------
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
60 66 5.72 8.55 11.97 14.94 16.28 17.99 20.41 22.77 25.67 29.48 37.82 70 76
61 67 6.28 9.33 13.01 16.35 17.93 19.61 21.95 24.63 27.98 32.24 40.85 71 77
62 68 7.02 10.33 14.22 17.83 19.70 21.39 23.68 26.42 30.17 34.97 44.17 72 78
63 69 7.95 11.52 15.58 19.29 21.56 23.28 25.60 28.21 32.28 37.71 47.77 73 79
64 70 8.89 12.73 16.95 20.72 23.45 25.31 27.75 30.25 34.69 40.82 51.68 74 80
65 71 9.81 13.91 18.24 22.08 25.32 27.43 30.12 32.66 37.53 44.44 56.48 75 81
66 72 10.64 14.97 19.43 23.32 27.14 29.65 32.75 35.48 40.90 48.69 61.66 76 82
67 73 10.93 15.38 19.90 23.98 28.88 31.93 35.64 38.81 44.97 53.66 67.42 77 83
68 74 11.01 15.49 20.12 24.46 30.48 34.31 38.82 42.80 49.84 59.48 73.72 78 84
69 75 11.10 15.62 20.33 24.93 31.91 36.75 42.32 47.44 55.57 66.34 80.75 79 85
70 76 11.18 15.76 20.54 25.39 33.13 39.23 46.14 52.88 62.40 74.36 88.69 80 86
71 77 11.27 15.90 20.75 25.86 34.12 41.76 50.28 59.18 70.41 83.70 97.70 81 87
72 78 11.33 16.03 20.98 26.34 34.81 44.33 54.77 66.48 79.81 94.53 107.26 82 88
73 79 11.38 16.15 21.21 26.87 35.44 46.60 58.72 72.84 87.53 102.51 117.66 83 89
74 80 12.57 17.81 23.33 29.56 38.94 50.75 63.94 79.30 95.51 111.52 128.08 84 90
75 81 13.74 19.45 25.48 32.21 42.40 55.71 70.16 87.21 104.72 122.30 138.71 85 91
76 82 16.28 23.07 30.17 38.11 50.15 63.00 79.55 98.58 118.40 137.93 149.49 86 92
77 83 20.47 28.94 37.82 47.78 62.83 74.46 93.70 116.14 134.30 149.03 160.34 87 93
78 84 25.26 35.67 46.61 58.82 74.46 93.70 113.30 131.30 145.12 160.34 171.19 88 94
79 85 30.84 43.57 56.90 72.00 91.10 113.28 131.30 145.12 160.34 171.19 183.70 89 95
80 86 35.26 49.74 65.15 82.19 102.98 127.53 145.12 160.34 171.19 183.70 196.40 90 96
81 87 40.34 57.09 74.54 94.04 117.29 145.12 160.34 171.19 183.70 196.40 211.67 91 97
82 88 44.90 63.40 82.86 104.56 130.85 160.34 171.19 183.70 196.40 211.67 228.97 92 98
83 89 49.90 70.44 92.06 116.16 146.19 171.19 183.70 196.40 211.67 228.97 245.95 93 99
84 90 55.35 78.13 102.11 128.82 161.73 183.70 196.40 211.67 228.97 245.95 263.98 94
85 91 61.08 86.22 112.68 142.14 178.74 196.40 211.67 228.97 245.95 263.98 283.93 95
316.36 96
374.88 97
429.77 98
516.54 99
Schedule D
RPR SCALE COMPOSITE - NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
------------ ----------------------------------------------------------------------------------------------- ------------
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
0 0 0.39 0.37 0.26 0.24 0.21 0.21 0.20 0.19 0.18 0.18 0.17 10 10
1 1 0.34 0.26 0.22 0.21 0.20 0.20 0.19 0.18 0.17 0.17 0.18 11 11
2 2 0.25 0.22 0.21 0.20 0.19 0.18 0.18 0.17 0.17 0.17 0.18 12 12
3 3 0.22 0.21 0.20 0.18 0.17 0.18 0.17 0.17 0.17 0.18 0.20 13 13
4 4 0.20 0.19 0.18 0.17 0.17 0.17 0.16 0.17 0.18 0.20 0.24 14 14
5 5 0.19 0.19 0.17 0.17 0.16 0.16 0.16 0.17 0.20 0.22 0.26 15 15
6 6 0.18 0.17 0.16 0.16 0.16 0.16 0.17 0.19 0.22 0.26 0.29 16 16
7 7 0.16 0.16 0.16 0.16 0.16 0.17 0.19 0.22 0.26 0.29 0.34 17 17
8 8 0.16 0.16 0.16 0.17 0.18 0.19 0.21 0.25 0.28 0.32 0.36 18 18
9 9 0.16 0.16 0.17 0.18 0.20 0.21 0.25 0.28 0.32 0.36 0.37 19 19
10 10 0.17 0.18 0.20 0.21 0.24 0.26 0.30 0.34 0.36 0.37 0.37 20 20
11 11-17 0.18 0.20 0.22 0.25 0.27 0.29 0.32 0.36 0.37 0.37 0.38 21 21-27
12 18 0.19 0.22 0.26 0.28 0.29 0.31 0.36 0.37 0.37 0.38 0.39 22 28
13 19 0.21 0.27 0.30 0.31 0.34 0.35 0.37 0.37 0.38 0.39 0.39 23 29
14 20 0.24 0.30 0.32 0.34 0.36 0.37 0.37 0.38 0.39 0.39 0.39 24 30
15 21 0.27 0.32 0.34 0.36 0.37 0.37 0.38 0.39 0.39 0.39 0.39 25 31
16 22 0.28 0.34 0.36 0.37 0.37 0.39 0.39 0.39 0.39 0.39 0.40 26 32
17 23 0.30 0.32 0.35 0.36 0.38 0.38 0.38 0.38 0.39 0.39 0.40 27 33
18 24 0.30 0.32 0.34 0.35 0.37 0.38 0.37 0.37 0.37 0.38 0.41 28 34
19 25 0.30 0.31 0.34 0.35 0.36 0.36 0.35 0.36 0.36 0.37 0.41 28 35
20 26 0.28 0.30 0.34 0.35 0.35 0.35 0.35 0.35 0.35 0.36 0.43 30 36
21 27 0.28 0.32 0.32 0.32 0.34 0.34 0.34 0.34 0.35 0.36 0.43 31 37
22 28 0.27 0.31 0.31 0.31 0.32 0.32 0.32 0.32 0.34 0.35 0.43 32 38
23 29 0.26 0.31 0.31 0.31 0.31 0.31 0.31 0.32 0.34 0.36 0.44 33 39
24 30 0.26 0.30 0.30 0.30 0.30 0.30 0.31 0.32 0.35 0.37 0.46 34 40
25 31 0.25 0.30 0.30 0.30 0.30 0.30 0.31 0.34 0.36 0.39 0.48 35 41
26 33 0.22 0.30 0.30 0.30 0.31 0.32 0.34 0.37 0.41 0.45 0.55 36 42
27 33 0.22 0.30 0.30 0.30 0.31 0.32 0.34 0.37 0.41 0.45 0.55 37 43
28 34 0.22 0.30 0.30 0.31 0.32 0.34 0.34 0.40 0.45 0.48 0.59 38 44
29 35 0.22 0.30 0.32 0.35 0.36 0.36 0.39 0.44 0.48 0.54 0.65 39 45
Schedule D
RPR SCALE COMPOSITE - NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
------------ ----------------------------------------------------------------------------------------------- ------------
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
30 36 0.22 0.32 0.35 0.37 0.38 0.39 0.43 0.48 0.54 0.59 0.72 40 46
31 37 0.24 0.35 0.37 0.39 0.40 0.43 0.47 0.53 0.59 0.66 0.80 41 47
32 38 0.24 0.37 .039 0.43 0.45 0.46 0.52 0.58 0.66 0.74 0.87 42 48
33 39 0.25 0.39 0.43 0.45 0.48 0.50 0.56 0.64 0.73 0.82 0.96 43 49
34 40 0.26 0.43 0.45 0.48 0.53 0.56 0.62 0.71 0.80 0.90 1.06 44 50
35 41 0.27 0.45 0.48 0.53 0.57 0.60 0.68 0.77 0.87 0.99 1.18 45 51
36 42 0.28 0.48 0.53 0.57 0.63 0.67 0.76 0.85 0.96 1.09 1.29 46 52
37 43 0.29 0.53 0.57 0.63 0.68 0.74 0.84 0.94 1.05 1.20 1.40 47 53
38 44 0.30 0.55 0.63 0.68 0.74 0.81 0.93 1.04 1.16 1.32 1.53 48 54
39 45 0.32 0.58 0.67 0.74 0.80 0.90 1.03 1.15 1.29 1.46 1.68 49 55
40 46 0.35 0.62 0.73 0.80 0.86 0.99 1.13 1.27 1.42 1.60 1.84 50 56
41 47 0.36 0.65 0.78 0.86 0.93 1.08 1.24 1.40 1.57 1.75 2.00 51 57
42 48 0.39 0.68 0.84 0.93 1.01 1.18 1.37 1.53 1.71 1.90 2.20 52 58
43 49 0.43 0.72 0.88 1.01 1.10 1.27 1.49 1.67 1.84 2.05 2.41 53 59
44 50 0.46 0.75 0.94 1.10 1.19 1.37 1.61 1.80 1.99 2.20 2.63 54 60
45 51 0.50 0.80 1.02 1.19 1.29 1.49 1.77 1.96 2.14 2.36 2.89 55 61
46 52 0.55 0.85 1.10 1.29 1.39 1.61 1.92 2.12 2.32 2.55 3.18 56 62
47 53 0.59 0.92 1.19 1.39 1.51 1.77 2.09 2.31 2.51 2.77 3.47 57 63
48 54 0.65 1.00 1.28 1.50 1.65 1.95 2.31 2.53 2.76 3.05 3.81 58 64
49 55 0.69 1.06 1.38 1.62 1.79 2.14 2.52 2.77 3.01 3.33 4.18 59 65
50 56 0.73 1.15 1.50 1.76 1.95 2.35 2.76 3.01 3.28 3.64 4.52 60 66
51 57 0.78 1.24 1.62 1.90 2.11 2.56 3.00 3.27 3.56 3.96 4.79 61 67
52 58 0.85 1.33 1.75 2.05 2.26 2.76 3.24 3.52 3.83 4.28 5.06 62 68
53 59 0.92 1.41 1.87 2.18 2.40 2.90 3.45 3.73 4.05 4.52 5.34 63 69
54 60 0.97 1.49 1.99 2.33 2.55 3.06 3.66 3.95 4.29 4.74 5.61 64 70
55 61 1.03 1.57 2.14 2.50 2.73 3.23 3.90 4.19 4.55 4.96 5.88 65 71
56 62 1.10 1.67 2.30 2.70 2.93 3.43 4.14 4.46 4.85 5.40 6.34 66 72
57 63 1.19 1.78 2.49 2.93 3.19 3.67 4.41 4.77 5.22 5.95 6.61 67 73
58 64 1.28 1.93 2.70 3.25 3.53 4.00 4.68 5.15 5.70 6.45 7.16 68 74
59 65 1.39 2.08 2.92 3.60 3.91 4.36 5.03 5.58 6.22 7.08 7.82 69 75
Schedule D
RPR SCALE COMPOSITE - NONEXPERIENCE RATED
STANDARD ANB RATES PER $1000
Issue Age Policy Year Attained Age
------------ ----------------------------------------------------------------------------------------------- ------------
M F One Two Three Four Five Six Seven Eight Nine Ten 11+ M F
60 66 1.51 2.26 3.17 3.95 4.31 4.76 5.40 6.03 6.80 7.81 8.66 70 76
61 67 1.67 2.48 3.45 4.27 4.75 5.20 5.81 6.52 7.40 8.53 9.48 71 77
62 68 1.86 2.73 3.76 4.57 5.22 5.67 6.27 6.99 7.99 9.25 10.47 72 78
63 69 2.11 3.05 4.12 5.11 5.71 6.16 6.78 7.47 8.55 9.98 11.52 73 79
64 70 2.35 3.37 4.49 5.49 6.20 6.70 7.35 8.01 9.18 10.81 12.71 74 80
65 71 2.60 3.68 4.83 5.85 6.71 7.26 7.97 8.65 9.93 11.76 13.72 75 81
66 72 2.82 3.96 5.14 6.17 7.18 7.85 8.67 9.40 10.83 12.89 14.04 76 82
67 73 2.89 4.07 5.26 6.35 7.65 8.46 9.43 10.27 11.91 13.72 14.36 77 83
68 74 2.91 4.10 5.32 6.47 8.06 9.08 10.28 11.32 13.19 14.24 14.67 78 84
69 75 2.93 4.13 5.38 6.60 8.44 9.73 11.20 12.56 14.21 14.74 15.00 79 85
70 76 2.96 4.17 5.44 6.72 8.77 10.38 12.22 14.00 14.94 15.25 15.31 80 86
71 77 2.98 4.21 5.50 6.84 9.03 11.05 13.31 14.48 15.02 15.27 15.31 81 87
72 78 3.00 4.24 5.56 6.98 9.22 11.74 14.16 14.68 15.09 15.28 15.31 82 88
73 79 3.01 4.28 5.61 7.11 9.37 12.33 14.68 15.09 15.28 15.31 15.31 83 89
74 80 3.33 4.72 6.17 7.83 10.30 13.43 15.09 15.28 15.31 15.31 15.31 84 90
75 81 3.64 5.15 6.74 8.52 11.22 14.75 15.28 15.31 15.31 15.31 15.31 85 91
76 82 4.31 6.10 7.99 10.09 13.27 15.28 15.31 15.31 15.31 15.31 15.31 86 92
77 83 5.42 7.66 10.01 12.64 15.28 15.31 15.31 15.31 15.31 15.31 15.31 87 93
78 84 6.69 9.44 12.34 15.28 15.31 15.31 15.31 15.31 15.31 15.31 15.31 88 94
79 85 8.16 11.54 15.06 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 89 95
80 86 9.33 13.17 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 90 96
81 97 10.68 15.11 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 91 97
82 88 11.88 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 92 98
83 89 13.20 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 93 99
84 90 14.65 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 94
85 91 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 15.31 95
15.31 96
15.31 97
15.31 98
15.31 99
