AMENDMENT
---------
NO. 1
-----
This Amendment, made by and between LUTHERAN MUTUAL LIFE INSUREANCE COMPANY,
hereinafter called the Ceding Company, and TRANSAMERICA OCCIDENTAL LIFE
INSURANCE COMPANY, hereinafter called Transamerica Occidental, hereby amends and
is attached to and forms part of that certain Reinsurance Agreement, dated
January 1, 1981, made and entered into by and between the parties hereto,
together with all amendments and supplements thereto, as follows:
1.
Effective January 1, 1981, Subsection 1.C. of Article IV is hereby amended
to read in its entirety as follows:
C. Plans other than Level Term Plans (Duration Twenty Years or Less) or
Reducing Term Plans.
If the life insurance reinsured is issued a a plan other than a level
term plan (duration twenty years or less) or a reducing term plan,
AMENDMENT NO. 1 CONTINUES . . .
(1) Transamerica Occidental's net amount at risk for the first policy year
shall equal the face amount of the life insurance reinsured, After the
first policy year, Transamerica Occidental's net amount at risk for
each of the policy years two through ten, inclusive, shall be reduced
by an amount equal to one-ninth of the terminal reserve of the life
insurance reinsured as of the end of the tenth policy year.
(2) Transamerica Occidental's net amount at risk for each of the ten
policy years, during any ten policy year period after the first ten
policy years, shall be the prior policy year's net amount at risk,
less an amount equal to one-tenth of the difference between (a) the
terminal reserve of the life insurance reinsured as of the end of the
policy year immediately preceding the period involved, and (b) the
terminal reserve of the life insurance reinsured as of the end of the
last policy year of the period involved.
AMENDMENT NO. 1 CONTINUES . . .
(3) Transamerica Occidental's net amount at risk shall equal the
difference between the initial face amount of life insurance reinsured
and the terminal reserve of such life reinsurance for each policy year
in the period involved if the period of policy years involved shall be
less than ten policy years.
Due to certain variables in the plans of insurance which the Ceding Company
may issue, which include but are not limited to special options, structure
of tables of amounts, rate of guaranteeing an increase in the face amount
under a given plan of insurance, the methods of calculating Transamerica
Occidental's net amount at risk, as described herein, may not be
appropriate. In such a case, Transamerica Occidental's net amount at risk
shall be determined by a method mutually agreeable to the parties hereto.
2.
Effective July 1, 1981, Exhibit IV, which is entitled PREFERRED 15 PREMIUMS PER
$1,000 OF YEARLY RENEWABLE TERM INSURANCE, is hereby
AMENDMENT NO. 1 CONTINUES . . .
replaced in its entirety by the attached Exhibit IV-A which is entitled VANGURAD
I PREMIUMS PER $1,000 OF YEARLY RENEWABLE TERM INSURANCE.
3.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements therto.
Executed in duplicate by Executed in duplicate by
LUTHERAN MUTUAL LIFE INSURANCE TRANSAMERICA OCCIDENTAL
COMPANY LIFE INSURANCE COMPANY
At Waverly, Iowa, at Los Angeles, California,
On November 2, 1981. On October 19, 1981.
------------------------ ------------------------
By /s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇ By /s/ Signature
------------------------ ------------------------
Title: V.P. and Corporate actually Second Vice President
By ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ By /s/ ▇▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
------------------------ ------------------------
Title: V.P. Legal & Govt.Sec. Assistant Secretary
10-19-81
EXHIBIT IV-A
(Part I - Page 1 of 1)
TRANSAMERICA OCCIDENTAL REINSURANCE
INSTRUCTIONS FOR THE USE OF THE NON-EXPERIENCE REFUND PREMIUMS
--------------------------------------------------------------
PER $1,000 OF YEARLY RENEWABLE TERM INSURANCE
---------------------------------------------
1. The reinsurance premiums set forth in Part II of this Exhibit apply to
those cessions where the Reinsured does not offer separate insurance
premiums for "Smokers" and "Non-Smokers" for the plan of insurance involved.
2. The reinsurance premiums set forth in Part III of this Exhibit apply to
those cessions where the Reinsured does offer separate insurance premiums
for "Smokers" and "Non-Smokers" for the plan of insurance involved.
3. In the case of all risks the reinsurance premiums set forth in Part IV of
this Exhibit shall be applied for the purpose of computing the Substandard
premiums. Table extra premiums shall be dropped at the later of age 65 and
20 years in force.
4. The attained age life premium per $1,000 shown for the second policy year,
excluding the policy fee, shall be charged for preliminary term coverage in
the case of utilization of the premiums set forth in Parts II, III and IV of
this Exhibit.
5. The renewal and conversion of term insurance shall be considered as a
continuation of the original insurance for the purpose of calculating
future reinsurance premiums.
EXHIBIT IV-A
(Part II - Page 1 of 4)
VANGUARD 1
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE
STANDARD MALE - ALB
$12.50 POLICY FEE
POLICY YEAR
ISSUE ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 3.95 1.26 0.94 0.80 0.72 0.67 0.62 0.59 0.55 0.54 0.53 0.53 0.58 0.65 0.75 0.86 15
1 1.28 0.94 0.81 0.72 0.69 0.64 0.60 0.57 0.53 0.52 0.53 0.56 0.65 0.75 0.88 0.98 16
2 0.96 0.80 0.74 0.67 0.65 0.60 0.57 0.55 0.53 0.53 0.58 0.64 0.76 0.87 0.99 1.08 17
3 0.83 0.73 0.67 0.61 0.57 0.53 0.51 0.52 0.55 0.60 0.70 0.79 0.91 1.02 1.09 1.17 18
4 0.78 0.69 0.62 0.55 0.51 0.47 0.48 0.52 0.60 0.71 0.84 0.95 1.06 1.14 1.16 1.22 19
5 0.72 0.64 0.59 0.53 0.50 0.47 0.51 0.57 0.69 0.82 0.95 1.07 1.16 1.21 1.20 1.22 20
6 0.65 0.60 0.56 0.53 0.52 0.52 0.58 0.67 0.79 0.92 1.04 1.15 1.22 1.25 1.22 1.20 21
7 0.56 0.54 0.54 0.56 0.59 0.63 0.72 0.82 0.93 1.03 1.11 1.19 1.23 1.23 1.20 1.17 22
8 0.47 0.49 0.53 0.61 0.68 0.77 0.89 0.99 1.07 1.12 1.17 1.20 1.22 1.20 1.17 1.16 23
9 0.43 0.49 0.55 0.67 0.78 0.90 1.02 1.11 1.17 1.19 1.21 1.21 1.21 1.18 1.15 1.15 24
10 0.46 0.53 0.61 0.74 0.87 1.00 1.12 1.20 1.25 1.24 1.23 1.21 1.20 1.17 1.14 1.14 25
11 0.52 0.60 0.69 0.83 0.96 1.08 1.19 1.27 1.29 1.27 1.24 1.21 1.19 1.16 1.14 1.12 26
12 0.61 0.70 0.79 0.92 1.04 1.15 1.24 1.30 1.31 1.28 1.24 1.21 1.19 1.17 1.15 1.13 27
13 0.72 0.81 0.89 1.01 1.12 1.20 1.27 1.31 1.31 1.28 1.23 1.21 1.19 1.18 1.17 1.17 28
14 0.84 0.91 0.99 1.09 1.18 1.24 1.27 1.30 1.29 1.26 1.21 1.20 1.20 1.19 1.19 1.20 29
15 0.94 1.01 1.07 1.15 1.22 1.26 1.27 1.28 1.26 1.24 1.19 1.20 1.20 1.21 1.22 1.24 30
16 1.01 1.09 1.14 1.19 1.25 1.25 1.25 1.24 1.22 1.21 1.17 1.19 1.21 1.22 1.25 1.27 31
17 1.06 1.12 1.17 1.20 1.24 1.23 1.21 1.20 1.18 1.18 1.15 1.18 1.21 1.24 1.28 1.29 32
18 1.06 1.11 1.16 1.19 1.21 1.19 1.17 1.15 1.14 1.15 1.14 1.18 1.22 1.26 1.31 1.32 33
19 1.03 1.09 1.13 1.16 1.17 1.14 1.12 1.11 1.11 1.12 1.13 1.18 1.23 1.29 1.35 1.37 34
20 0.99 1.04 1.09 1.12 1.11 1.09 1.07 1.07 1.08 1.11 1.13 1.19 1.25 1.33 1.40 1.44 35
21 0.94 0.99 1.05 1.07 1.06 1.04 1.03 1.05 1.07 1.10 1.13 1.21 1.28 1.38 1.47 1.54 36
22 0.89 0.94 1.00 1.03 1.02 1.00 1.00 1.03 1.06 1.10 1.15 1.25 1.34 1.45 1.57 1.68 37
23 0.85 0.89 0.97 0.99 0.99 0.98 0.99 1.03 1.07 1.13 1.20 1.30 1.41 1.54 1.69 1.85 38
24 0.82 0.86 0.96 0.97 0.97 0.98 1.00 1.04 1.10 1.17 1.26 1.38 1.50 1.66 1.85 2.05 39
25 0.80 0.85 0.95 0.96 0.97 0.98 1.01 1.07 1.15 1.22 1.33 1.47 1.63 1.82 2.03 2.28 40
26 0.79 0.84 0.94 0.96 0.98 1.00 1.05 1.12 1.21 1.30 1.42 1.59 1.78 2 2.25 2.51 41
27 0.79 0.84 0.95 0.97 1.00 1.04 1.10 1.18 1.29 1.40 1.55 1.75 1.95 2.21 2.49 2.77 42
28 0.80 0.87 0.96 1.00 1.04 1.10 1.16 1.27 1.39 1.53 1.70 1.94 2.15 2.44 2.75 3.06 43
29 0.82 0.90 0.99 1.04 1.09 1.16 1.23 1.37 1.51 1.68 1.89 2.14 2.37 2.68 3.04 3.39 44
30 0.85 0.93 1.02 1.09 1.15 1.23 1.32 1.48 1.66 1.85 2.10 2.36 2.61 2.95 3.36 3.74 45
31 0.87 0.96 1.06 1.15 1.22 1.32 1.42 1.61 1.83 2.06 2.34 2.60 2.89 3.27 3.70 4.13 46
32 0.88 0.99 1.1 1.22 1.31 1.42 1.55 1.76 2.01 2.28 2.59 2.87 3.19 3.59 4.10 4.59 47
33 0.89 1.02 1.15 1.28 1.39 1.53 1.70 1.94 2.21 2.52 2.84 3.17 3.50 3.93 4.54 5.12 48
34 0.90 1.05 1.21 1.35 1.49 1.67 1.87 2.13 2.43 2.77 3.12 3.48 3.84 4.34 5.02 5.74 49
35 0.93 1.09 1.28 1.45 1.62 1.83 2.07 2.35 2.67 3.04 3.44 3.84 4.24 4.79 5.54 6.39 50
36 0.96 1.16 1.38 1.58 1.79 2.03 2.31 2.60 2.95 3.36 3.8 4.24 4.68 5.29 6.11 7.05 51
37 1.00 1.23 1.48 1.73 1.96 2.25 2.55 2.87 3.25 3.69 4.2 4.68 5.17 5.84 6.73 7.73 52
38 1.06 1.33 1.61 1.91 2.15 2.49 2.82 3.17 3.58 4.05 4.62 5.14 5.7 6.45 7.40 8.49 53
39 1.13 1.44 1.78 2.12 2.37 2.77 3.12 3.51 3.96 4.46 5.08 5.64 6.29 7.12 8.12 9.37 54
40 1.22 1.58 1.97 2.34 2.61 3.06 3.45 3.88 4.37 4.89 5.57 6.18 6.94 7.85 8.92 10.41 55
41 1.31 1.73 2.17 2.58 2.88 3.37 3.80 4.27 4.78 5.34 6.09 6.76 7.63 8.65 9.80 11.59 56
42 1.39 1.87 2.35 2.81 3.15 3.67 4.14 4.68 5.22 5.81 6.59 7.33 8.33 9.51 10.76 12.84 57
EXHIBIT IV-A
(Part II - Page 2 of 4)
VANGUARD 1
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE
STANDARD MALE - ALB
$12.50 POLICY FEE
POLICY YEAR
ISSUE ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
43 1.47 2.01 2.55 3.04 3.43 3.99 4.51 5.11 5.68 6.31 7.12 7.95 9.07 10.44 11.81 14.16 58
44 1.58 2.17 2.77 3.31 3.75 4.35 4.93 5.58 6.18 6.85 7.73 8.67 9.93 11.44 12.95 15.45 59
45 1.68 2.33 3.01 3.59 4.09 4.73 5.40 6.10 6.72 7.45 8.40 9.45 10.87 12.52 14.15 16.68 60
46 1.79 2.51 3.27 3.89 4.44 5.15 5.92 6.68 7.33 8.13 9.15 10.31 11.88 13.69 15.36 17.99 61
47 1.90 2.70 3.52 4.19 4.78 5.58 6.51 7.29 7.98 8.85 9.98 11.25 12.97 14.84 16.51 19.47 62
48 2.00 2.91 3.80 4.51 5.12 6.06 7.15 7.94 8.70 9.65 10.91 12.27 14.15 15.95 17.66 21.15 63
49 2.12 3.14 4.11 4.88 5.52 6.61 7.85 8.70 9.51 10.57 11.90 13.38 15.35 17.12 18.89 23.01 64
50 2.25 3.39 4.45 5.27 5.93 7.17 8.56 9.49 10.35 11.55 12.95 14.55 16.50 18.36 20.22 25.03 65
51 2.39 3.64 4.80 5.69 6.37 7.75 9.28 10.29 11.21 12.53 14.05 15.68 17.64 19.68 21.67 27.17 66
52 2.51 3.86 5.14 6.10 6.80 8.26 9.93 10.99 11.98 13.51 15.05 16.76 18.82 21.07 23.25 29.54 67
53 2.65 4.08 5.50 6.53 7.26 8.77 10.57 11.68 12.73 14.50 15.98 17.87 20.07 22.56 24.97 32.05 68
54 2.83 4.34 5.92 7.07 7.83 9.36 11.26 12.44 13.57 15.46 16.99 19.10 21.43 24.15 26.81 34.62 69
55 3.04 4.63 6.39 7.68 8.50 9.99 11.97 13.22 14.47 16.39 18.10 20.48 22.95 25.87 28.97 37.54 70
56 3.31 5.00 6.97 8.44 9.32 10.76 12.79 14.15 15.48 17.38 19.45 22.07 24.70 27.94 31.65 40.94 71
57 3.62 5.42 7.63 9.32 10.27 11.61 13.66 15.13 16.51 18.57 20.96 24.05 27.00 30.32 34.75 44.95 72
58 3.96 5.88 8.32 10.27 11.29 12.53 14.51 16.02 17.54 19.89 22.55 26.43 29.65 33.04 38.21 49.30 73
59 4.35 6.42 9.09 11.29 12.43 13.61 15.39 16.94 18.68 21.24 24.45 28.72 32.16 36.25 42.06 53.82 74
60 4.83 7.07 9.99 12.43 13.61 14.84 16.38 18.04 20.04 22.84 26.60 31.04 35.12 40.00 46.55 58.82 75
61 5.37 7.81 10.95 13.61 14.84 16.04 17.44 19.25 21.54 24.76 28.90 33.97 38.78 44.37 51.77 64.32 76
62 5.94 8.58 11.91 14.84 16.04 17.18 18.54 20.56 23.36 27.06 31.60 37.19 42.61 49.21 57.87 70.34 77
63 6.57 9.43 12.92 15.99 17.18 18.44 19.79 22.27 25.45 29.52 34.53 40.53 46.85 54.53 64.58 77.35 78
64 7.32 10.44 14.06 17.06 18.44 19.75 21.52 24.35 27.80 32.31 37.62 44.24 51.51 60.41 71.61 84.71 79
65 8.15 11.54 15.22 18.05 19.69 21.36 23.72 26.66 30.58 35.39 41.01 48.25 56.48 66.59 78.93 71.77 80
66 9.00 12.68 16.23 18.99 21.23 23.48 26.07 29.51 33.82 38.76 45.10 52.94 62.14 73.08 86.53 99.16 81
67 9.82 13.80 17.30 20.40 23.23 25.80 28.95 33.03 37.65 42.92 50.01 58.40 67.17 80.25 94.79 107.11 82
68 10.70 14.60 18.68 22.14 25.43 28.70 32.61 37.18 42.34 48.09 55.58 64.39 74.96 88.11 103.73 115.87 83
69 12.37 15.88 20.00 23.71 27.72 32.01 36.76 42.12 47.99 54.59 62.36 71.57 82.93 96.71 113.40 126.48 84
70 13.96 17.79 21.04 25.17 30.24 34.79 40.31 46.85 53.53 60.75 69.03 78.76 91.02 105.25 123.22 138.11 85
71 15.00 19.51 22.50 27.00 33.01 37.51 43.51 51.01 58.51 66.01 75.01 85.51 99.01 114.01 133.51 150.02 86
72 16.29 21.17 24.43 29.31 35.83 40.71 47.22 55.37 63.51 71.65 71.42 92.82 107.47 123.76 144.92 162.84 87
73 17.52 22.17 26.28 31.53 38.54 43.79 50.80 59.55 68.31 77.07 87.58 99.84 115.60 133.12 155.89 175.15 88
74 18.53 24.08 27.79 33.34 40.75 46.31 53.72 62.97 72.24 81.49 92.61 105.57 122.24 140.76 164.84 185.21 89
75 19.42 25.24 29.13 34.95 42.73 48.55 56.32 66.03 75.74 85.44 97.10 110.69 128.17 147.59 172.83 194.19 90
76 20.23 26.30 30.35 36.42 44.51 50.58 58.68 68.80 78.09 89.02 101.17 115.33 133.53 153.77 180.07 202.33 91
77 21.17 27.52 31.75 38.10 46.56 52.92 61.38 71.97 82.55 93.13 105.83 120.65 139.69 160.87 188.38 211.66 92
78 22.64 29.43 33.95 40.74 49.80 56.59 65.64 76.96 88.28 99.59 113.18 129.02 149.39 172.03 201.45 226.35 93
79 24.43 31.75 36.64 43.97 53.74 61.06 70.83 83.04 95.26 107.47 122.13 139.22 161.20 185.63 217.38 244.24 94
80 25.89 33.65 38.83 46.60 56.95 64.72 75.08 88.02 100.96 113.90 129.44 147.55 170.86 196.75 230.40 258.87 95
81 27.24 35.40 40.84 49.02 59.90 68.08 78.97 92.58 106.19 119.80 136.15 155.20 179.71 206.75 242.34 272.29 96
82 28.66 37.24 42.97 51.57 63.02 71.62 83.08 97.41 111.72 126.05 143.25 163.28 189.07 217.72 254.96 286.47 97
83 29.94 38.92 44.90 53.88 65.85 74.84 86.81 101.78 116.74 131.71 149.68 170.62 197.56 227.50 266.42 299.34 98
84 31.32 40.70 46.96 56.36 68.88 78.28 90.80 106.46 122.10 137.76 156.56 178.46 206.64 237.95 278.65 313.09 99
EXHIBIT IV-A
(Part II - Page 3 of 4)
VANGUARD 1
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE
STANDARD MALE - ALB
$12.50 POLICY FEE
POLICY YEAR
ISSUE ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 3.34 1.15 0.84 0.73 0.67 0.62 0.57 0.53 0.5 0.49 0.48 0.49 0.5 0.52 0.54 0.57 15
1 1.15 0.84 0.73 0.67 0.62 0.58 0.54 0.51 0.49 0.48 0.49 0.5 0.52 0.55 0.58 0.62 16
2 0.84 0.73 0.67 0.62 0.58 0.54 0.51 0.49 0.48 0.49 0.5 0.52 0.55 0.58 0.63 0.67 17
3 0.73 0.67 0.62 0.58 0.54 0.51 0.49 0.49 0.49 0.5 0.53 0.56 0.58 0.63 0.67 0.71 18
4 0.67 0.62 0.58 0.54 0.51 0.49 0.49 0.5 0.5 0.53 0.56 0.59 0.63 0.68 0.71 0.73 19
5 0.62 0.58 0.54 0.51 0.50 0.49 0.50 0.51 0.53 0.56 0.59 0.64 0.68 0.72 0.74 0.74 20
6 0.58 0.54 0.51 0.50 0.50 0.50 0.51 0.53 0.56 0.60 0.64 0.69 0.73 0.74 0.74 0.72 21
7 0.54 0.51 0.50 0.50 0.50 0.51 0.54 0.57 0.60 0.65 0.69 0.73 0.75 0.75 0.73 0.71 22
8 0.51 0.50 0.50 0.50 0.51 0.54 0.57 0.60 0.65 0.70 0.74 0.76 0.76 0.74 0.72 0.71 23
9 0.50 0.50 0.50 0.51 0.54 0.57 0.60 0.65 0.70 0.74 0.76 0.76 0.74 0.73 0.71 0.70 24
10 0.50 0.50 0.51 0.54 0.58 0.61 0.65 0.70 0.74 0.77 0.77 0.75 0.73 0.72 0.70 0.70 25
11 0.50 0.51 0.54 0.58 0.61 0.66 0.71 0.75 0.77 0.77 0.76 0.74 0.72 0.71 0.70 0.71 26
12 0.51 0.54 0.58 0.61 0.66 0.71 0.75 0.77 0.77 0.76 0.74 0.73 0.71 0.71 0.72 0.74 27
13 0.54 0.58 0.61 0.66 0.72 0.76 0.78 0.78 0.76 0.76 0.73 0.72 0.71 0.72 0.74 0.76 28
14 0.57 0.61 0.66 0.71 0.74 0.78 0.79 0.76 0.75 0.74 0.73 0.72 0.73 0.75 0.77 0.79 29
15 0.60 0.65 0.70 0.73 0.74 0.79 0.77 0.75 0.74 0.73 0.73 0.74 0.76 0.77 0.79 0.80 30
16 0.64 0.70 0.72 0.73 0.74 0.78 0.76 0.75 0.73 0.73 0.74 0.76 0.78 0.80 0.81 0.82 31
17 0.68 0.71 0.72 0.73 0.75 0.77 0.75 0.74 0.73 0.75 0.77 0.79 0.81 0.82 0.83 0.86 32
18 0.70 0.71 0.73 0.74 0.76 0.76 0.74 0.74 0.75 0.77 0.79 0.81 0.82 0.83 0.87 0.91 33
19 0.70 0.72 0.73 0.75 0.76 0.75 0.74 0.75 0.77 0.8 0.82 0.83 0.84 0.87 0.92 0.98 34
20 0.71 0.73 0.74 0.75 0.75 0.75 0.76 0.78 0.80 0.83 0.84 0.85 0.88 0.92 0.98 1.05 35
21 0.72 0.74 0.74 0.74 0.75 0.76 0.79 0.81 0.83 0.85 0.85 0.89 0.93 0.99 1.06 1.15 36
22 0.73 0.74 0.73 0.75 0.77 0.79 0.81 0.83 0.85 0.86 0.89 0.94 1.00 1.07 1.16 1.27 37
23 0.73 0.73 0.74 0.77 0.80 0.82 0.84 0.85 0.86 0.90 0.95 1.01 1.08 1.17 1.28 1.39 38
24 0.73 0.74 0.76 0.80 0.83 0.85 0.86 0.87 0.90 0.96 1.02 1.10 1.19 1.30 1.41 1.53 39
25 0.74 0.75 0.79 0.82 0.85 0.86 0.87 0.91 0.96 1.03 1.10 1.20 1.31 1.42 1.54 1.69 40
26 0.74 0.78 0.81 0.84 0.86 0.87 0.91 0.96 1.03 1.10 1.20 1.31 1.42 1.54 1.69 1.84 41
27 0.75 0.80 0.83 0.85 0.87 0.90 0.96 1.03 1.10 1.20 1.31 1.42 1.54 1.69 1.84 1.97 42
28 0.77 0.82 0.85 0.86 0.90 0.96 1.03 1.10 1.20 1.31 1.42 1.54 1.69 1.84 1.97 2.14 43
29 0.80 0.84 0.86 0.90 0.95 1.03 1.10 1.20 1.31 1.42 1.54 1.69 1.84 1.97 2.14 2.36 44
30 0.82 0.85 0.89 0.95 1.02 1.10 1.19 1.31 1.42 1.54 1.69 1.84 1.97 2.14 2.36 2.56 45
31 0.84 0.88 0.94 1.01 1.09 1.19 1.30 1.42 1.54 1.69 1.84 1.97 2.14 2.36 2.56 2.76 46
32 0.86 0.92 0.99 1.07 1.16 1.29 1.41 1.53 1.68 1.84 1.97 2.14 2.36 2.56 2.76 2.99 47
33 0.87 0.95 1.04 1.14 1.24 1.38 1.52 1.66 1.80 1.97 2.13 2.34 2.55 2.76 2.99 3.26 48
34 0.87 0.97 1.09 1.20 1.33 1.47 1.62 1.79 1.97 2.13 2.33 2.53 2.76 2.99 3.25 3.54 49
35 0.80 1.01 1.14 1.27 1.42 1.57 1.74 1.92 2.12 2.32 2.52 2.73 2.98 3.23 3.51 3.83 50
36 0.89 1.05 1.19 1.35 1.51 1.69 1.87 2.07 2.29 2.50 2.71 2.93 3.21 3.47 3.79 4.15 51
37 0.89 1.07 1.25 1.42 1.61 1.81 2.00 2.20 2.43 2.64 2.89 3.13 3.43 3.72 3.07 4.49 52
38 0.90 1.10 1.30 1.49 1.72 1.93 2.13 2.34 2.56 2.77 3.05 3.33 3.65 3.97 4.37 4.86 53
39 0.91 1.13 1.35 1.58 1.84 2.07 2.28 2.49 2.70 2.92 3.20 3.51 3.86 4.22 4.68 5.23 54
40 0.93 1.16 1.41 1.69 1.97 2.20 2.42 2.64 2.85 3.07 3.36 3.70 4.09 4.51 5.03 5.63 55
41 0.95 1.20 1.47 1.79 2.09 2.34 2.57 2.80 3.00 3.23 3.55 3.91 4.34 4.85 5.44 6.07 56
42 0.97 1.24 1.53 1.87 2.19 2.46 2.71 2.97 3.18 3.43 3.74 4.13 4.62 5.26 5.93 6.61 57
EXHIBIT IV-A
(Part II - Page 4 of 4)
VANGUARD 1
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE
STANDARD FEMALE - ALB
$12.50 POLICY FEE
POLICY YEAR
ISSUE ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
43 0.99 1.28 1.60 1.96 2.29 2.58 2.84 3.14 3.38 3.66 3.99 4.40 4.97 5.74 6.50 7.28 58
44 1.03 1.33 1.68 2.06 2.39 2.71 2.99 3.32 3.59 3.93 4.30 4.77 5.43 6.29 7.13 8.04 59
45 1.07 1.40 1.77 2.16 2.50 2.85 3.15 3.51 3.83 4.22 4.64 5.17 5.93 6.87 7.80 8.82 60
46 1.12 1.48 1.88 2.27 2.62 2.98 3.33 3.72 4.09 4.51 5.00 5.62 6.44 7.47 8.49 9.56 61
47 1.19 1.58 2.02 2.41 2.78 3.14 3.55 3.96 4.37 4.82 5.40 6.10 6.95 8.01 9.18 10.26 62
48 1.29 1.76 2.27 2.68 3.06 3.42 3.89 4.30 4.74 5.22 5.87 6.60 7.46 8.53 9.85 10.96 63
49 1.43 2.02 2.60 3.05 3.41 3.82 4.30 4.74 5.21 5.73 6.39 7.13 8 9.13 10.54 11.77 64
50 1.58 2.27 2.94 3.38 3.81 4.23 4.70 5.17 5.67 6.24 6.93 7.67 8.56 9.76 11.30 12.76 65
51 1.71 2.47 3.20 3.68 4.16 4.54 5.01 5.50 6.06 6.68 7.42 8.22 9.17 10.46 12.17 13.91 66
52 1.78 2.56 3.31 3.85 4.28 4.67 5.15 5.65 6.27 6.98 7.78 8.75 9.82 11.25 13.17 15.19 67
53 1.79 2.58 3.33 3.88 4.31 4.71 5.17 5.68 6.38 7.16 8.03 9.24 10.47 12.12 14.36 16.57 68
54 1.80 2.62 3.36 3.91 4.36 4.74 5.21 5.72 6.54 7.31 8.30 9.74 11.19 13.14 15.68 18.12 69
55 1.82 2.66 3.39 3.95 4.41 4.78 5.25 5.77 6.69 7.54 8.62 10.29 12.05 14.39 17.25 20.03 70
56 1.85 2.72 3.45 4.02 4.49 4.86 5.32 5.85 6.88 7.93 9.16 10.91 13.13 16.02 19.33 22.48 71
57 1.94 2.88 3.68 4.30 4.73 5.11 5.64 6.46 7.59 8.84 10.07 11.84 14.96 18.34 22.19 25.64 72
58 2.09 3.16 4.10 4.73 5.11 5.61 6.46 7.59 8.78 10.07 11.09 13.45 17.37 21.19 25.61 29.43 73
59 2.25 3.46 4.56 5.11 5.61 6.46 7.59 8.78 10.01 11.05 12.53 15.60 19.96 24.14 29.17 33.53 74
60 2.44 3.82 4.84 5.61 6.46 7.59 8.78 10.01 11.05 12.31 14.54 17.94 22.64 27.37 32.83 37.74 75
61 2.65 4.21 5.40 6.46 7.59 8.78 10.01 11.05 12.22 14.19 16.95 20.54 25.61 30.89 36.81 42.31 76
62 2.84 4.59 6.18 7.32 8.53 9.82 11.05 12.10 13.98 16.60 19.66 23.45 29.13 34.57 41.44 47.35 77
63 3.05 5.01 6.72 7.96 9.24 10.69 12.00 13.75 16.13 19.30 22.47 26.70 32.76 38.85 46.50 52.84 78
64 3.28 5.50 7.32 8.68 10.03 11.65 13.59 15.92 18.39 21.89 25.39 30.06 36.48 43.17 51.34 58.34 79
65 3.54 6.00 7.94 9.44 11.24 13.10 15.66 18.21 20.76 24.59 28.42 33.53 40.55 47.57 56.18 63.84 80
66 3.82 6.44 8.53 10.76 12.26 14.70 17.86 20.66 23.84 27.66 31.98 37.45 44.79 52.48 61.58 69.98 81
67 4.13 6.85 9.66 12.73 14.23 16.98 20.43 23.51 27.37 31.49 36.36 41.99 49.29 57.76 68.17 77.01 82
68 4.50 8.04 11.57 14.08 16.29 20.11 23.08 26.95 31.23 36.20 41.49 47.47 54.72 64.57 76.08 85.49 83
69 6.85 10.50 13.30 16.20 19.50 22.79 26.15 30.89 35.64 41.30 47.04 53.69 61.79 72.19 84.53 94.98 84
70 9.32 12.42 14.50 18.64 21.74 24.84 28.99 34.16 39.34 45.55 51.76 59.00 68.32 78.67 92.13 103.51 85
71 10.13 13.51 15.77 20.27 23.65 27.03 31.53 37.16 42.79 49.54 56.30 64.18 74.32 85.57 100.21 112.60 86
72 11.18 14.91 17.40 22.37 26.10 29.83 34.80 41.01 47.22 54.68 62.14 70.84 82.02 94.44 110.60 124.27 87
73 12.20 16.26 18.97 24.39 28.45 32.52 37.94 44.71 51.49 59.62 67.75 77.23 89.43 102.98 120.59 135.49 88
74 13.32 17.76 20.72 26.64 31.08 36.02 41.44 48.84 56.74 65.12 74.76 85.08 97.71 112.84 131.72 148.00 89
75 15.11 20.15 23.51 30.23 35.27 40.80 47.02 55.42 63.82 7.13 84.00 96.42 110.51 127.99 149.46 167.93 90
76 17.06 22.75 26.55 34.13 39.81 45.50 53.08 62.57 71.54 82.66 94.07 108.04 124.77 144.08 168.73 189.58 91
77 18.51 24.98 28.79 37.01 43.18 49.35 57.57 67.85 78.13 90.47 102.80 117.19 135.70 156.26 182.99 205.60 92
78 19.52 26.03 30.36 39.03 45.54 52.04 60.72 71.56 82.40 95.41 108.43 123.60 143.12 164.81 193.00 216.85 93
79 20.11 26.80 31.27 40.20 46.90 53.60 62.54 73.71 84.87 98.27 111.68 127.31 147.41 169.74 198.78 223.34 94
80 20.73 27.63 32.24 41.45 48.36 55.27 64.48 75.99 87.51 101.32 115.14 131.26 151.98 175.01 204.94 230.27 95
81 21.80 29.07 33.91 43.60 50.86 58.13 67.82 79.93 92.04 106.57 121.11 138.06 159.86 184.07 215.56 242.20 96
82 22.93 30.58 35.68 45.87 53.51 61.16 71.35 84.09 96.84 112.13 127.42 145.25 168.18 193.66 226.79 254.82 97
83 23.96 31.96 37.28 47.93 55.92 63.91 74.56 87.87 101.19 117.16 133.14 151.78 175.74 202.37 236.98 266.27 98
84 25.03 33.37 38.93 50.05 58.39 66.74 77.86 91.76 105.67 122.35 139.04 158.50 183.52 211.33 247.47 278.06 99
EXHIBIT IV-A
(Part III - Page 1 of 5)
VANGUARD II - SMOKER
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE
STANDARD MALE
$12.50 POLICY FEE
POLICY YEAR
ISSUE ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 3.95 1.26 0.94 0.80 0.72 0.57 0.62 0.59 0.55 0.54 0.53 0.53 0.59 0.65 0.75 0.86 15
1 1.28 0.94 0.91 0.72 0.69 0.54 0.60 0.57 0.53 0.52 0.53 0.56 0.65 0.75 0.88 0.98 16
2 0.96 0.80 0.74 0.67 0.65 0.60 0.57 0.55 0.53 0.53 0.58 0.64 0.76 0.87 0.99 1.08 17
3 0.83 0.73 0.67 0.61 0.57 0.53 0.51 0.52 0.55 0.60 0.70 0.79 0.91 1.02 1.09 1.17 18
4 0.78 0.69 0.62 0.55 0.51 0.47 0.48 0.52 0.60 0.71 0.84 0.95 1.06 1.14 1.16 1.22 19
5 0.72 0.64 0.59 0.53 0.50 0.47 0.51 0.57 0.69 0.82 0.95 1.07 1.16 1.21 1.20 1.22 20
6 0.85 0.60 0.56 0.53 0.52 0.52 0.68 0.67 0.79 0.92 1.04 1.15 1.22 1.25 1.22 1.20 21
7 0.56 0.54 0.54 0.56 0.59 0.53 0.72 0.82 0.93 1.03 1.11 1.19 1.23 1.23 1.20 1.17 22
8 0.47 0.49 0.53 0.61 0.68 0.77 0.89 0.99 1.07 1.12 1.17 1.20 1.22 1.20 1.17 1.16 23
9 0.43 0.49 0.55 0.67 0.79 0.90 1.02 1.11 1.17 1.19 1.21 1.21 1.21 1.18 1.15 1.15 24
10 0.46 0.53 0.61 0.74 0.86 1.00 1.12 1.20 1.25 1.24 1.23 1.21 1.20 1.17 1.14 1.14 25
11 0.52 0.50 0.69 0.83 0.96 1.08 1.19 1.27 1.29 1.27 1.24 1.21 1.19 1.16 1.14 1.12 26
12 0.51 0.70 0.79 0.92 1.04 1.15 1.24 1.30 1.31 1.28 1.24 1.21 1.19 1.17 1.15 1.13 27
13 0.72 0.81 0.89 1.01 1.12 1.20 1.27 1.31 1.31 1.28 1.23 1.21 1.19 1.18 1.17 1.17 28
14 0.84 0.91 0.99 1.09 1.18 1.24 1.27 1.30 1.29 1.26 1.21 1.20 1.20 1.19 1.19 1.20 29
15 0.94 1.01 1.07 1.15 1.22 1.26 1.27 1.28 1.26 1.24 1.19 1.20 1.20 1.21 1.22 1.24 30
16 1.01 1.09 1.14 1.19 1.25 1.25 1.25 1.24 1.22 1.21 1.17 1.19 1.21 1.22 1.25 1.27 31
17 1.06 1.12 1.17 1.20 1.24 1.23 1.21 1.20 1.18 1.18 1.15 1.18 1.21 1.24 1.28 1.29 32
18 1.06 1.11 1.16 1.19 1.21 1.19 1.17 1.15 1.14 1.15 1.14 1.18 1.22 1.26 1.31 1.32 33
19 1.18 1.25 1.30 1.33 1.34 1.31 1.28 1.27 1.27 1.29 1.3 1.36 1.41 1.48 1.55 1.58 34
20 1.28 1.35 1.42 1.45 1.44 1.41 1.40 1.39 1.41 1.44 1.47 1.54 1.62 1.73 1.82 1.87 35
21 1.22 1.28 1.36 1.40 1.38 1.36 1.34 1.36 1.39 1.43 1.47 1.57 1.67 1.80 1.91 2.00 36
22 1.15 1.22 1.30 1.34 1.33 1.30 1.30 1.34 1.38 1.43 1.50 1.62 1.74 1.88 2.04 2.19 37
23 1.10 1.16 1.26 1.28 1.28 1.27 1.29 1.34 1.39 1.46 1.56 1.59 1.83 2.00 2.20 2.41 38
24 1.07 1.12 1.25 1.26 1.26 1.27 1.30 1.36 1.43 1.52 1.64 1.79 1.95 2.16 2.40 2.67 39
25 1.03 1.10 1.23 1.25 1.26 1.27 1.32 1.40 1.49 1.59 1.73 1.91 2.12 2.36 2.54 2.96 40
26 1.02 1.09 1.22 1.25 1.27 1.29 1.36 1.45 1.57 1.69 1.85 2.06 2.31 2.6 5.92 3.27 41
27 1.03 1.10 1.23 1.26 1.29 1.35 1.43 1.53 4.67 1.82 2.01 2.27 2.53 2.87 3.23 3.60 42
28 1.04 1.13 1.25 1.29 1.35 1.43 1.51 1.65 1.80 1.99 2.21 2.52 2.80 3.18 3.57 3.98 43
29 1.07 1.16 1.28 1.35 1.42 1.51 1.60 1.79 1.96 2.19 2.45 2.78 3.08 3.49 3.95 4.40 44
30 1.10 1.20 1.33 1.42 1.50 1.60 1.72 1.92 2.15 2.41 2.72 3.06 3.39 3.84 4.36 4.87 45
31 1.13 1.25 1.38 1.50 1.59 1.72 1.85 2.09 5.37 2.67 3.04 3.38 3.75 4.25 4.81 5.37 46
32 1.14 1.29 1.43 1.58 1.70 1.85 2.01 2.29 2.61 2.97 3.37 3.74 4.15 4.66 5.33 5.96 47
33 1.15 1.32 1.50 1.67 1.81 1.99 2.21 2.52 2.88 3.28 3.69 4.12 4.56 5.11 5.90 6.66 48
34 1.17 1.36 1.57 1.76 1.93 2.17 2.43 2.77 3.61 3.61 4.06 4.53 5.00 5.64 5.53 7.46 49
35 1.20 1.42 1.67 1.88 2.11 2.38 2.69 3.05 3.47 3.96 4.47 5.00 5.52 6.23 7.20 8.31 50
36 1.25 1.51 1.79 2.05 2.32 2.64 3.00 3.38 3.84 4.37 4.94 5.52 6.09 6.88 7.94 9.16 51
37 1.30 1.60 1.92 2.25 2.54 2.93 3.32 3.73 4.22 4.8 5.46 6.08 6.72 7.60 8.75 10.04 52
38 1.38 1.72 2.09 2.48 2.79 2.24 3.66 4.12 4.65 5.27 6.01 6.68 7.41 8.39 9.62 11.03 53
39 1.47 1.87 2.32 2.75 3.08 2.60 4.06 4.57 5.15 5.80 6.61 7.33 8.18 9.25 10.56 12.19 54
40 1.58 2.05 2.56 3.04 3.39 3.98 4.49 5.04 5.68 6.35 7.25 8.04 9.02 10.20 11.60 13.54 55
41 1.70 2.25 2.82 3.35 3.74 4.38 4.94 5.55 6.22 6.94 7.92 8.79 9.92 11.24 12.74 15.06 56
42 1.81 2.43 3.06 3.65 4.09 4.77 5.38 6.09 6.78 7.56 8.57 9.53 10.83 12.37 13.99 16.69 57
EXHIBIT IV-A
(Part III - Page 2 of 5)
VANGUARD II - SMOKER OCCIDENTAL
PREMIUMS PER 1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
STANDARD MALE
ALB - $12.50 POLICY FEE
ISSUE POLICY YEAR
AGE 1 2 3 4 5 6 7 8 9 10
43 1.92 2.52 3.31 3.95 4.45 5.08 5.96 6.55 5.39 8.21
44 2.05 2.52 3.60 4.31 4.68 5.65 6.41 7.25 2.03 8.91
45 2.19 3.22 3.91 4.67 5.32 6.15 7.02 7.83 8.53 9.69
46 2.33 3.25 4.25 5.06 5.78 6.70 7.70 8.59 9.53 10.57
47 2.47 3.51 4.58 5.45 6.21 7.26 8.46 9.47 10.37 11.50
48 2.60 3.29 4.94 5.87 6.66 7.82 9.30 10.32 11.31 12.54
49 2.75 4.29 5.35 6.35 6.17 8.59 10.20 11.31 12.86 13.75
50 2.93 4.41 5.78 6.25 7.71 9.32 11.12 12.34 13.46 15.01
51 3.11 7.74 6.24 7.40 8.28 10.07 12.06 13.37 14.57 16.29
52 3.27 5.22 6.68 7.92 8.84 10.73 12.61 14.29 15.58 17.57
53 3.45 5.31 7.15 8.49 9.44 11.40 13.74 15.18 16.55 18.85
54 3.58 5.54 7.70 9.19 10.19 12.17 14.64 16.17 17.64 20.10
55 3.96 5.21 9.30 9.99 11.05 12.99 15.56 17.19 18.81 21.31
56 4.30 6.49 9.06 10.97 12.12 13.99 16.63 18.39 20.13 22.59
57 4.70 7.05 9.92 12.12 13.35 15.10 17.76 19.55 21.47 24.14
58 5.14 7.65 10.82 13.35 14.68 16.29 18.86 20.83 22.80 25.85
59 5.66 8.24 11.81 14.68 16.16 17.69 20.01 22.03 24.28 27.62
60 6.23 9.05 12.80 16.03 17.55 19.13 21.12 23.25 25.94 29.45
61 6.82 9.91 13.91 17.28 18.83 20.36 22.14 24.44 27.35 31.44
62 7.43 10.22 14.88 18.54 20.04 21.47 23.17 25.50 29.18 33.81
63 8.08 11.59 15.88 19.57 21.13 22.57 24.34 27.88 31.29 36.30
64 8.85 12.52 17.01 20.53 22.31 23.89 25.03 29.45 33.53 39.08
65 9.69 13.73 18.10 21.48 23.43 25.41 28.21 31.71 36.37 42.10
66 10.53 14.82 18.98 22.22 24.83 27.46 30.48 34.51 39.55 45.33
67 11.29 15.86 19.88 23.45 26.70 29.66 33.27 37.97 43.27 49.33
68 12.08 15.50 21.10 25.01 28.73 32.41 36.83 41.99 47.82 54.32
69 13.72 17.52 22.19 26.32 30.75 35.51 40.78 46.73 53.24 60.56
70 15.21 19.39 22.93 27.43 32.95 37.91 43.92 51.04 58.33 66.19
71 16.05 20.05 24.07 28.88 35.30 40.12 45.54 54.56 62.59 70.60
72 17.10 22.22 25.64 30.77 37.60 42.72 49.57 58.11 66.66 75.20
73 18.04 23.45 27.06 32.46 39.68 45.08 52.31 61.32 70.34 79.35
74 18.71 24.31 28.06 33.65 41.15 46.76 54.24 63.59 72.94 82.29
75 19.42 25.24 29.13 34.95 42.73 48.55 56.32 66.03 75.74 85.44
76 20.23 26.3 30.35 36.42 44.51 50.52 58.69 68.80 78.90 89.02
77 21.17 27.52 31.75 38.10 46.56 52.92 61.38 71.97 82.55 93.13
78 22.64 29.43 33.95 40.74 49.80 56.59 65.64 76.96 88.28 99.59
79 24.43 31.75 36.64 43.97 53.74 61.06 70.83 83.04 95.26 107.47
80 25.89 33.65 38.83 46.60 56.95 64.72 75.08 88.02 100.96 113.90
81 27.24 35.40 40.84 49.02 59.90 68.08 78.97 92.58 105.19 119.80
82 28.66 37.24 42.97 51.57 63.02 71.62 83.08 97.41 111.72 126.05
83 29.94 38.92 44.90 53.88 65.85 74.84 86.81 101.78 116.74 131.71
84 31.31 40.70 46.96 56.35 68.87 78.27 90.79 106.45 122.10 137.76
ISSUE ATTAINED
AGE 11 12 13 14 15 16+ AGE
43 9.25 10.03 11.79 13.58 15.36 19.40 58
44 10.05 11.27 12.91 14.88 16.33 20.05 59
45 10.83 12.28 14.13 16.28 18.40 21.69 60
46 11.69 13.40 15.44 17.79 19.96 23.38 61
47 12.98 14.62 16.86 19.29 21.46 25.31 62
48 14.18 15.95 18.40 20.73 22.96 27.50 63
49 15.47 17.40 19.95 22.25 24.56 29.91 64
50 16.84 18.91 21.45 23.87 26.29 32.53 65
51 18.25 20.39 22.94 25.58 28.17 35.32 66
52 19.56 21.79 24.47 27.40 30.22 38.40 67
53 20.78 23.24 26.10 29.33 32.46 41.57 68
54 22.09 24.83 27.86 31.40 34.85 45.01 69
55 23.52 26.52 29.84 33.63 37.67 48.80 70
56 25.28 28.69 32.11 36.32 41.14 53.22 71
57 27.25 31.26 35.10 39.41 45.17 58.43 72
58 29.31 34.36 38.55 42.96 49.68 64.09 73
59 31.78 37.33 41.81 47.12 54.67 69.96 74
60 34.30 40.02 45.28 51.58 60.03 75.85 75
61 36.69 43.12 49.23 56.33 65.72 81.65 76
62 39.49 46.48 53.24 61.48 72.31 87.90 77
63 42.45 49.83 57.60 67.04 79.40 95.10 78
64 45.50 53.51 62.30 73.06 86.61 102.46 79
65 48.78 57.39 67.19 79.21 93.89 109.17 80
66 52.74 61.92 72.67 85.47 101.20 115.98 81
67 57.48 67.14 78.36 92.25 108.97 123.13 82
68 62.77 72.73 84.67 99.53 117.16 130.89 83
69 69.18 79.40 92.01 107.30 125.82 140.33 84
70 75.21 85.82 99.17 114.68 134.26 150.48 85
71 80.23 91.46 105.90 121.94 142.80 160.45 86
72 85.46 97.42 112.80 129.89 152.11 170.91 87
73 90.18 102.80 119.03 137.07 160.51 180.35 88
74 93.52 106.60 123.44 142.14 166.45 187.02 89
75 97.10 110.69 128.17 147.59 172.83 194.19 90
76 101.17 115.33 133.53 153.77 180.07 202.33 91
77 105.83 120.65 139.69 160.87 188.38 211.66 92
78 113.18 129.02 149.39 172.03 201.45 226.35 93
79 122.13 139.22 161.20 185.63 217.38 244.24 94
80 129.44 147.55 170.86 196.75 230.40 258.87 95
81 136.15 155.20 179.71 206.94 242.34 272.29 96
82 143.25 163.28 189.07 217.72 254.96 286.47 97
83 149.68 170.62 197.56 227.50 266.42 299.34 98
84 156.55 178.45 206.63 237.95 278.65 313.09 99
EXHIBIT IV-A
(Part III - Page 3 of 5)
VANGUARD II - NONSMOKER OCCIDENTAL
PREMIUMS PER 1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
STANDARD MALE
ALB - $12.50 POLICY FEE
ISSUE POLICY YEAR ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 3.95 1.26 0.34 0.80 0.72 0.67 0.62 0.59 0.55 0.54 0.53 0.53 0.59 0.65 0.75 0.86 15
1 0.22 0.99 0.81 0.72 0.69 0.64 0.60 0.57 0.53 0.52 0.53 0.56 0.65 0.75 0.88 0.99 16
2 0.96 0.80 0.74 0.67 0.65 0.60 0.57 0.55 0.53 0.53 0.58 0.64 0.76 0.87 0.99 1.09 17
3 0.83 0.73 0.67 0.61 0.57 0.53 0.51 0.52 0.55 0.60 0.70 0.79 0.91 1.02 1.09 1.17 18
4 0.78 0.69 0.62 0.66 0.51 0.47 0.48 0.52 0.60 0.71 0.84 0.95 1.05 1.14 1.16 1.22 19
5 0.72 0.54 0.59 0.53 0.50 0.47 0.51 0.57 0.69 0.82 0.95 1.07 1.16 1.21 1.20 1.22 20
6 0.65 0.50 0.56 0.53 0.52 0.52 0.58 0.57 0.79 0.92 1.04 1.15 1.22 1.25 1.22 1.20 21
7 0.56 0.54 0.54 0.56 0.59 0.63 0.72 0.82 0.93 1.03 1.11 1.19 1.23 1.23 1.20 1.17 22
8 0.47 0.49 0.53 0.61 0.68 0.77 0.89 0.99 1.07 1.12 1.17 1.20 1.22 1.20 1.17 1.16 23
9 0.43 0.49 0.55 0.67 0.78 0.90 1.02 1.11 1.17 1.19 1.21 1.21 1.21 1.18 1.15 1.15 24
10 0.46 0.53 0.61 0.74 0.87 1.00 1.12 1.20 1.25 1.24 1.23 1.21 1.20 1.17 1.14 1.14 25
11 0.52 0.60 0.69 0.83 0.96 1.08 1.19 1.27 1.29 1.27 1.24 1.21 1.19 1.16 1.14 1.12 26
12 0.61 0.70 0.79 0.92 0.04 1.15 1.24 1.30 1.31 1.28 1.24 1.21 1.19 1.17 1.15 1.13 27
13 0.72 0.81 0.89 1.01 1.12 1.20 1.27 1.31 1.31 1.28 1.23 1.21 1.19 1.18 1.17 1.17 28
14 0.84 0.91 0.99 1.09 1.18 1.24 1.27 1.30 1.29 1.26 1.21 1.20 1.20 1.19 1.19 1.20 29
15 0.94 1.01 1.07 1.15 1.22 1.26 1.27 1.28 1.26 1.24 1.19 1.20 1.20 1.21 1.22 1.24 30
16 1.01 1.09 1.14 1.19 1.25 1.25 1.25 1.24 1.22 1.21 1.17 1.19 1.21 1.22 1.25 1.27 31
17 1.06 1.12 1.17 1.20 1.24 1.23 1.21 1.20 1.18 1.18 1.15 1.18 1.21 1.24 1.28 1.29 32
18 1.06 1.11 1.16 1.19 1.21 1.19 1.17 1.15 1.14 1.15 1.14 1.18 1.22 1.26 1.31 1.32 33
19 0.88 0.93 0.97 0.99 1.00 0.98 0.95 0.95 0.94 0.96 0.96 1.01 1.04 1.09 1.14 1.16 34
20 0.69 0.73 0.77 0.78 0.78 0.76 0.75 0.75 0.76 0.78 0.79 0.83 0.87 0.93 0.98 1.01 35
21 0.66 0.69 0.73 0.75 0.75 0.73 0.73 0.73 0.75 0.77 0.79 0.84 0.90 0.97 1.03 1.08 36
22 0.52 0.65 0.70 0.72 0.72 0.70 0.70 0.72 0.74 0.77 0.81 0.87 0.94 1.02 1.10 1.18 37
23 0.59 0.53 0.58 0.69 0.69 0.69 0.69 0.72 0.75 0.79 0.84 0.91 0.99 1.08 1.18 1.30 38
24 0.58 0.61 0.67 0.68 0.68 0.69 0.70 0.73 0.77 0.82 0.88 0.96 1.05 1.16 1.29 1.44 39
25 0.56 0.50 0.57 0.67 0.68 0.69 0.71 0.75 0.80 0.86 0.93 1.03 1.14 1.27 1.42 1.59 40
26 0.55 0.59 0.56 0.67 0.69 0.70 0.73 0.78 0.85 0.91 1.00 1.11 1.25 1.40 1.57 1.76 41
27 0.55 0.60 0.56 0.68 0.70 0.73 0.77 0.83 0.90 0.98 1.09 1.22 1.37 1.54 1.74 1.94 42
28 0.55 0.60 0.56 0.69 0.72 0.76 0.80 0.88 0.96 1.06 1.18 1.34 1.49 1.68 1.90 2.11 43
29 0.55 0.60 0.66 0.70 0.73 0.78 0.83 0.92 1.01 1.13 1.27 1.44 1.59 1.80 2.04 2.27 44
30 0.56 0.61 0.67 0.72 0.76 0.81 0.87 0.97 1.09 1.21 1.38 1.55 1.71 1.94 2.20 2.45 45
31 0.57 0.63 0.69 0.75 0.80 0.86 0.93 1.04 1.19 1.34 1.53 1.69 1.88 2.13 2.41 2.69 46
32 0.57 0.65 0.72 0.79 0.85 0.93 1.01 1.15 1.31 1.48 1.69 1.87 2.08 2.33 2.57 2.98 47
33 0.58 0.66 0.75 0.83 0.91 1.00 1.11 1.25 1.44 1.54 1.85 2.06 2.28 2.56 2.95 3.33 48
34 0.59 0.68 0.79 0.88 0.97 1.08 1.22 1.38 1.58 1.80 2.03 2.26 2.50 2.82 3.27 3.73 49
35 0.60 0.71 0.84 0.94 1.06 1.19 1.35 1.53 1.73 1.98 2.24 2.50 2.76 3.11 3.61 4.16 50
36 0.63 0.75 0.90 1.03 1.17 1.32 1.50 1.69 1.92 2.18 2.47 2.76 3.04 3.44 3.97 4.58 51
37 0.65 0.80 0.96 1.12 1.28 1.46 1.66 1.86 2.11 2.40 2.73 3.04 3.36 3.80 4.37 5.02 52
38 0.69 0.87 1.05 1.24 1.40 1.62 1.83 2.06 2.32 2.63 3.01 3.35 3.71 4.19 4.81 5.52 53
39 0.74 0.94 1.16 1.38 1.54 1.80 2.03 2.28 2.57 2.90 3.31 3.67 4.09 4.63 5.28 6.09 54
40 0.79 1.03 1.29 1.52 1.69 1.99 2.24 2.52 2.84 3.18 3.62 4.02 4.51 5.10 5.80 6.77 55
41 0.85 1.12 1.41 1.68 1.87 2.19 2.47 2.78 3.11 3.47 3.96 4.40 4.96 5.62 6.37 7.53 56
42 0.90 1.21 1.53 1.83 2.05 2.39 2.70 3.05 3.39 3.78 4.28 4.77 5.41 6.18 7.00 8.35 57
EXHIBIT IV-A
(Part III - Page 4 of 5)
VANGUARD II - NONSMOKER OCCIDENTAL
PREMIUMS PER 1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
STANDARD MALE
ALB - $12.50 POLICY FEE
ISSUE POLICY YEAR
AGE 1 2 3 4 5 6 7 8 9 10
43 0.96 1.31 1.56 1.98 2.23 2.53 2.93 3.32 3.70 4.10
44 1.03 1.41 1.80 2.15 2.44 2.82 3.21 2.63 4.02 4.45
45 1.09 1.52 1.95 2.33 2.65 3.07 3.51 3.97 4.37 4.84
46 1.16 1.63 2.12 2.53 2.89 3.35 3.85 4.34 4.76 5.39
47 1.23 1.75 2.29 2.72 3.10 3.63 4.23 4.74 5.19 5.75
48 1.30 1.99 2.37 2.93 3.33 3.94 4.65 5.17 5.55 6.27
49 1.38 2.04 2.68 3.18 3.59 4.29 5.10 5.66 6.19 6.37
50 1.47 2.21 2.89 3.43 3.86 4.66 5.56 6.17 6.73 7.51
51 1.55 2.37 3.12 3.70 4.14 5.04 6.03 6.69 7.29 8.15
52 1.63 2.51 3.35 3.96 4.42 5.37 6.46 7.15 7.79 8.78
53 1.72 2.65 3.58 4.25 4.72 5.70 6.87 7.59 8.28 9.43
54 1.84 2.82 3.85 4.50 5.09 6.09 7.32 8.08 8.82 10.05
55 1.98 3.01 4.15 5.00 5.52 6.50 7.78 8.59 9.40 10.65
56 2.15 3.25 4.53 5.49 6.06 6.99 8.31 9.20 10.06 11.30
57 2.35 3.53 4.96 6.06 6.58 7.55 8.88 9.84 10.73 12.07
58 2.57 3.92 5.41 6.68 7.34 8.14 9.43 10.42 11.40 12.93
59 2.83 4.17 5.91 7.34 8.08 8.84 10.01 11.01 12.13 13.81
60 3.20 4.69 6.61 8.08 8.84 9.76 10.81 11.92 13.26 15.12
61 3.68 5.35 7.51 8.84 9.75 10.81 11.92 13.16 14.77 16.97
62 4.21 6.08 8.44 9.76 10.81 11.92 13.14 14.57 16.66 19.18
63 4.81 6.91 9.46 10.81 11.92 13.14 14.49 16.31 18.64 21.61
64 5.53 7.89 10.62 11.92 13.14 14.49 16.24 18.40 21.01 24.41
65 6.34 8.99 11.85 13.14 14.49 16.24 18.40 20.77 23.97 27.87
66 7.22 10.17 13.01 14.49 16.24 18.40 20.77 23.81 27.69 32.06
67 8.11 11.39 14.28 16.24 18.40 20.77 23.81 27.69 32.06 36.10
68 9.08 12.39 15.86 18.40 20.77 23.81 27.69 32.06 36.10 41.43
69 10.80 13.86 17.44 20.56 23.81 27.65 32.06 36.10 41.43 48.11
70 12.50 15.93 18.84 22.53 27.15 31.15 36.09 41.09 47.94 54.29
71 13.79 17.92 20.68 24.81 30.33 34.46 39.98 46.87 53.76 60.65
72 15.35 19.95 23.01 27.62 33.75 38.35 44.49 52.16 59.84 67.51
73 16.92 21.98 25.37 30.44 37.20 42.27 49.04 57.49 65.95 74.40
74 18.32 23.80 27.47 32.96 40.29 45.78 53.11 62.26 71.41 80.56
75 19.42 25.24 29.13 34.95 42.73 48.55 56.32 66.03 75.74 85.44
76 20.23 26.30 30.35 36.42 44.51 50.58 58.68 68.80 78.90 89.02
77 21.17 27.52 31.75 38.10 46.56 52.92 61.38 71.97 82.55 93.13
78 22.64 29.43 33.95 40.74 49.80 56.59 65.64 76.95 88.28 99.59
79 24.43 31.75 36.64 43.97 53.74 61.06 70.83 83.04 95.26 107.47
80 25.89 33.65 38.83 46.60 56.95 64.72 75.08 88.02 100.96 113.90
81 27.24 35.40 40.84 49.02 59.90 68.08 78.97 92.58 106.19 119.80
82 28.66 37.24 42.97 51.57 63.02 71.62 83.08 97.41 111.72 126.05
83 29.94 38.92 44.90 53.88 65.85 74.84 86.81 101.78 116.74 131.71
84 31.31 40.70 46.96 56.35 68.87 78.27 90.79 106.45 122.10 137.76
ISSUE ATTAINED
AGE 11 12 13 14 15 16+ AGE
43 4.52 5.17 5.90 6.79 7.68 9.20 58
44 5.03 5.64 6.45 7.44 8.41 10.04 59
45 5.46 6.14 7.07 8.14 9.20 10.85 60
46 5.95 6.70 7.72 8.90 9.98 11.70 61
47 6.49 7.30 8.43 9.65 10.73 12.66 62
48 7.09 7.98 9.20 10.37 11.48 13.75 63
49 7.74 8.70 9.97 11.13 12.28 14.95 64
50 8.42 9.46 10.72 11.94 13.14 16.27 65
51 9.13 10.19 11.47 12.79 14.08 17.67 66
52 9.78 10.89 12.23 13.70 15.11 19.20 67
53 10.39 11.62 13.05 14.65 16.23 20.84 68
54 11.05 12.41 13.93 15.70 17.43 22.51 69
55 11.76 13.31 14.92 16.82 18.83 24.40 70
56 12.64 14.35 16.05 18.16 20.57 25.61 71
57 13.63 15.63 17.55 19.71 22.59 29.22 72
58 14.66 17.19 19.27 21.48 24.84 32.05 73
59 15.89 18.67 20.91 23.56 27.37 34.98 74
60 17.51 20.55 23.26 26.49 30.83 38.95 75
61 19.81 23.29 26.59 30.42 35.50 44.09 76
62 22.40 26.36 30.21 34.88 41.04 49.83 77
63 25.28 29.67 34.31 39.93 47.29 56.64 78
64 28.92 33.43 38.92 45.64 54.11 64.00 79
65 32.73 37.58 43.99 51.86 51.48 71.47 80
66 36.47 42.47 49.85 56.63 69.42 79.54 81
67 41.80 48.21 56.27 66.20 78.26 88.41 82
68 48.11 54.66 63.64 74.80 86.76 98.35 83
69 54.66 62.43 72.34 84.35 95.61 110.31 84
70 61.66 70.53 81.51 94.24 108.33 123.68 85
71 68.92 78.57 90.97 104.76 122.67 137.84 86
72 76.71 87.45 101.25 116.60 136.54 153.41 87
73 84.55 96.38 111.60 128.51 150.49 169.09 88
74 91.56 104.36 120.85 139.16 162.96 183.10 89
75 97.10 110.69 128.17 147.59 172.83 194.19 90
76 101.17 115.33 133.53 153.77 180.07 202.33 91
77 105.83 120.65 139.69 160.87 188.38 211.66 92
78 113.18 129.02 149.39 172.03 201.45 226.35 93
79 122.13 139.22 161.20 185.63 217.38 244.24 94
80 129.44 147.55 170.86 196.75 230.40 258.87 95
81 136.15 155.20 179.71 206.94 242.34 272.29 96
82 143.25 163.28 189.07 217.72 254.96 286.47 97
83 149.68 170.62 197.56 227.50 266.42 299.34 98
84 156.55 178.45 206.63 237.95 278.65 313.09 99
EXHIBIT IV-A
(Part III-Page 5 of 5)
FEMALE RATES: AGES 0-10 SAME AS MALE RATES 1-10
AGES 11-14 SAME AS MALE RATE AGE 10
AGES 15 AND OVER SAME AS MALE RATES AGES 5 YEARS YOUNGER
EXHIBIT IV-A
(Part IV - Page 1 of 4)
VANGUARD I OCCIDENTAL
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
SUBSTANDARD MALE - ALB
ISSUE POLICY YEAR ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 0.79 0.25 0.19 0.16 0.14 0.13 0.12 0.12 0.11 0.11 0.11 0.11 0.12 0.13 0.15 0.17 15
1 0.26 0.19 0.16 0.14 0.14 0.13 0.12 0.11 0.11 0.10 0.11 0.11 0.13 0.15 0.18 0.20 16
2 0.19 0.16 0.15 0.13 0.13 0.12 0.11 0.11 0.11 0.11 0.12 0.13 0.15 0.17 0.20 0.22 17
3 0.17 0.15 0.13 0.12 0.11 0.11 0.10 0.10 0.11 0.12 0.14 0.16 0.18 0.20 0.22 0.23 18
4 0.16 0.14 0.12 0.11 0.10 0.09 0.10 0.10 0.12 0.14 0.17 0.19 0.21 0.23 0.23 0.24 19
5 0.14 0.13 0.12 0.11 0.10 0.09 0.10 0.11 0.14 0.16 0.19 0.21 0.23 0.24 0.24 0.24 20
6 0.13 0.12 0.11 0.11 0.10 0.10 0.12 0.13 0.16 0.18 0.21 0.23 0.24 0.25 0.24 0.24 21
7 0.11 0.11 0.11 0.11 0.12 0.13 0.14 0.16 0.19 0.21 0.22 0.24 0.25 0.25 0.24 0.23 22
8 0.09 0.10 0.11 0.12 0.14 0.15 0.18 0.20 0.21 0.22 0.23 0.24 0.24 0.24 0.23 0.23 23
9 0.09 0.10 0.11 0.13 0.16 0.18 0.20 0.22 0.23 0.24 0.24 0.24 0.24 0.24 0.23 0.23 24
10 0.09 0.11 0.12 0.15 0.17 0.20 0.22 0.24 0.25 0.25 0.25 0.24 0.24 0.23 0.23 0.23 25
11 0.10 0.12 0.14 0.17 0.19 0.22 0.24 0.25 0.26 0.25 0.25 0.24 0.24 0.23 0.23 0.22 26
12 0.12 0.14 0.16 0.18 0.21 0.23 0.25 0.26 0.26 0.26 0.25 0.24 0.24 0.23 0.23 0.23 27
13 0.14 0.16 0.18 0.20 0.22 0.24 0.25 0.26 0.26 0.26 0.25 0.24 0.24 0.24 0.23 0.23 28
14 0.17 0.18 0.20 0.22 0.24 0.25 0.25 0.26 0.26 0.25 0.24 0.24 0.24 0.24 0.24 0.24 29
15 0.19 0.20 0.21 0.23 0.24 0.25 0.25 0.26 0.25 0.25 0.24 0.24 0.24 0.24 0.24 0.25 30
16 0.20 0.22 0.23 0.24 0.25 0.25 0.25 0.25 0.24 0.24 0.23 0.24 0.24 0.24 0.25 0.25 31
17 0.21 0.22 0.23 0.24 0.25 0.25 0.24 0.24 0.24 0.24 0.23 0.24 0.24 0.25 0.26 0.26 32
18 0.21 0.22 0.23 0.24 0.24 0.24 0.23 0.23 0.23 0.23 0.23 0.24 0.24 0.25 0.26 0.26 33
19 0.21 0.22 0.23 0.23 0.23 0.23 0.22 0.22 0.22 0.22 0.23 0.24 0.25 0.26 0.27 0.27 34
20 0.20 0.21 0.22 0.22 0.22 0.22 0.21 0.21 0.22 0.22 0.23 0.24 0.25 0.27 0.28 0.29 35
21 0.19 0.20 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.22 0.23 0.24 0.26 0.28 0.29 0.31 36
22 0.18 0.19 0.20 0.21 0.20 0.20 0.20 0.21 0.21 0.22 0.23 0.25 0.27 0.29 0.31 0.34 37
23 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.21 0.21 0.23 0.24 0.26 0.28 0.31 0.34 0.37 38
24 0.16 0.17 0.19 0.19 0.19 0.20 0.20 0.21 0.22 0.23 0.25 0.28 0.30 0.33 0.37 0.41 39
25 0.16 0.17 0.19 0.19 0.19 0.20 0.20 0.21 0.23 0.24 0.27 0.29 0.33 0.36 0.41 0.46 40
26 0.16 0.17 0.19 0.19 0.20 0.20 0.21 0.22 0.24 0.26 0.28 0.32 0.36 0.40 0.45 0.50 41
27 0.16 0.17 0.19 0.19 0.20 0.21 0.22 0.24 0.26 0.28 0.31 0.35 0.39 0.44 0.50 0.55 42
28 0.16 0.17 0.19 0.20 0.21 0.22 0.23 0.25 0.28 0.31 0.34 0.39 0.43 0.49 0.55 0.61 43
29 0.16 0.18 0.20 0.21 0.22 0.23 0.25 0.27 0.30 0.34 0.38 0.43 0.47 0.54 0.61 0.68 44
30 0.17 0.19 0.20 0.22 0.23 0.25 0.26 0.30 0.33 0.37 0.42 0.47 0.52 0.59 0.67 0.75 45
31 0.17 0.19 0.21 0.23 0.24 0.26 0.28 0.32 0.37 0.41 0.47 0.52 0.58 0.65 0.74 0.83 46
32 0.18 0.20 0.22 0.24 0.26 0.28 0.31 0.35 0.40 0.46 0.52 0.57 0.64 0.72 0.82 0.92 47
33 0.18 0.20 0.23 0.26 0.28 0.31 0.34 0.39 0.44 0.50 0.57 0.63 0.70 0.79 0.91 1.02 48
34 0.18 0.21 0.24 0.27 0.30 0.33 0.37 0.43 0.49 0.55 0.62 0.70 0.77 0.87 1.00 1.15 49
35 0.19 0.22 0.26 0.29 0.32 0.37 0.41 0.47 0.53 0.61 0.69 0.77 0.85 0.96 1.11 1.28 50
36 0.19 0.23 0.28 0.32 0.36 0.41 0.46 0.52 0.59 0.67 0.76 0.85 0.94 1.06 1.22 1.41 51
37 0.20 0.25 0.30 0.35 0.39 0.45 0.51 0.57 0.65 0.74 0.84 0.94 1.03 1.17 1.35 1.55 52
38 0.21 0.27 0.32 0.38 0.43 0.50 0.56 0.63 0.72 0.81 0.92 1.03 1.14 1.29 1.48 1.70 53
39 0.23 0.29 0.36 0.42 0.47 0.55 0.62 0.70 0.79 0.89 1.02 1.13 1.26 1.42 1.62 1.87 54
40 0.24 0.32 0.39 0.47 0.52 0.61 0.69 0.78 0.87 0.98 1.11 1.24 1.39 1.57 1.78 2.08 55
41 0.26 0.35 0.43 0.52 0.58 0.67 0.76 0.85 0.96 1.07 1.22 1.35 1.53 1.73 1.96 2.32 56
42 0.28 0.37 0.47 0.56 0.63 0.73 0.83 0.94 1.04 1.16 1.32 1.47 1.67 1.90 2.15 2.57 57
7/21/1981
EXHIBIT IV-A
(Part IV - Page 2 of 4)
VANGUARD I OCCIDENTAL
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
SUBSTANDARD MALE - ALB
ISSUE POLICY YEAR
AGE 1 2 3 4 5 6 7 8 9 10
43 0.29 0.40 0.51 0.61 0.69 0.80 0.90 1.02 1.14 1.26
44 0.32 0.43 0.55 0.66 0.75 0.87 0.99 1.12 1.24 1.37
45 0.34 0.47 0.60 0.72 0.82 0.95 1.08 1.22 1.34 1.49
46 0.36 0.50 0.65 0.78 0.89 1.03 1.18 1.34 1.47 1.63
47 0.38 0.54 0.70 0.84 0.96 1.12 1.30 1.46 1.60 1.77
48 0.40 0.58 0.76 0.90 1.02 1.21 1.43 1.59 1.74 1.93
49 0.42 0.63 0.82 0.98 1.10 1.32 1.57 1.74 1.90 2.11
50 0.45 0.68 0.89 1.05 1.19 1.43 1.71 1.90 2.07 2.31
51 0.48 0.73 0.96 1.14 1.27 1.55 1.86 2.06 2.24 2.51
52 0.50 0.77 1.03 1.22 1.36 1.65 1.99 2.20 2.40 2.70
53 0.53 0.82 1.10 1.31 1.45 1.75 2.11 2.34 2.55 2.90
54 0.57 0.87 1.18 1.41 1.57 1.87 2.25 2.49 2.71 3.09
55 0.61 0.93 1.28 1.54 1.70 2.00 2.39 2.64 2.89 3.28
56 0.66 1.00 1.39 1.69 1.86 2.15 2.56 2.83 3.10 3.48
57 0.72 1.08 1.53 1.86 2.05 2.32 2.73 3.03 3.30 3.71
58 0.79 1.18 1.66 2.05 2.26 2.51 2.90 3.20 3.51 3.98
59 0.87 1.28 1.82 2.26 2.49 2.72 3.08 3.39 3.74 4.25
60 0.97 1.41 2.00 2.49 2.72 2.97 3.28 3.61 4.01 4.57
61 1.07 1.56 2.19 2.72 2.97 3.21 3.49 3.85 4.31 4.95
62 1.19 1.72 2.38 2.97 3.21 3.44 3.71 4.11 4.67 5.41
63 1.31 1.89 2.58 3.20 3.44 3.69 3.96 4.45 5.09 5.90
64 1.46 2.09 2.81 3.41 3.69 3.95 4.30 4.87 5.56 6.46
65 1.63 2.31 3.04 3.61 3.94 4.27 4.74 5.33 6.12 7.08
66 1.80 2.54 3.25 3.80 4.25 4.70 5.21 5.90 6.76 7.75
67 1.96 2.76 3.46 4.08 4.65 5.16 5.79 6.61 7.53 8.58
68 2.14 2.92 3.74 4.43 5.09 5.74 6.52 7.44 8.47 9.62
69 2.47 3.18 4.00 4.74 5.54 6.40 7.35 8.42 9.60 10.92
70 2.79 3.56 4.21 5.03 6.05 6.96 8.06 9.37 10.71 12.15
71 3.00 3.90 4.50 5.40 6.60 7.50 8.70 10.20 11.70 13.20
72 3.26 4.23 4.89 5.86 7.17 8.14 9.44 11.07 12.70 14.33
73 3.50 4.55 5.26 6.31 7.71 8.76 10.16 11.91 13.66 15.41
74 3.71 4.82 5.56 6.67 8.15 9.26 10.74 12.59 14.45 16.30
75 3.88 5.05 5.83 6.99 8.55 9.71 11.26 13.21 15.15 17.09
76 4.05 5.26 6.07 7.28 8.90 10.12 11.74 13.76 15.78 17.80
77 4.23 5.50 6.35 7.62 9.31 10.58 12.28 14.39 16.51 18.63
78 4.53 5.89 6.79 8.15 9.96 11.32 13.13 15.39 17.66 19.92
79 4.89 6.35 7.33 8.79 10.75 12.21 14.17 16.61 19.05 21.49
80 5.18 6.73 7.77 9.32 11.39 12.94 15.02 17.60 20.19 22.78
81 5.45 7.08 8.17 9.80 11.98 13.62 15.79 18.52 21.24 23.96
82 5.73 7.45 8.59 10.31 12.60 14.32 16.62 19.48 22.34 25.21
83 5.99 4.78 8.98 10.78 13.17 14.97 17.36 20.36 23.35 26.34
84 6.26 8.14 9.39 11.27 13.78 15.66 18.16 21.29 24.42 27.55
ISSUE ATTAINED
AGE 11 12 13 14 15 16+ AGE
43 1.42 1.59 1.81 2.09 2.36 2.83 58
44 1.55 1.73 1.99 2.29 2.59 3.09 59
45 1.68 1.89 2.17 2.50 2.83 3.34 60
46 1.83 2.06 2.38 2.74 3.07 3.60 61
47 2.00 2.25 2.59 2.97 3.30 3.89 62
48 2.18 2.45 2.83 3.19 3.53 4.23 63
49 2.38 2.68 3.07 3.42 3.78 4.60 64
50 2.59 2.91 3.30 3.67 4.04 5.01 65
51 2.81 3.14 3.53 3.94 4.33 5.43 66
52 3.01 3.35 3.76 4.21 4.65 5.91 67
53 3.20 3.57 4.01 4.51 4.99 6.41 68
54 3.40 3.82 4.29 4.83 5.36 6.92 69
55 3.62 4.10 4.59 5.17 5.79 7.51 70
56 3.89 4.41 4.94 5.59 6.33 8.19 71
57 4.19 4.81 5.40 6.06 6.95 8.99 72
58 4.51 5.29 5.93 6.61 7.64 9.86 73
59 4.89 5.74 6.43 7.25 8.41 10.76 74
60 5.32 6.21 7.02 8.00 9.31 11.76 75
61 5.78 6.79 7.76 8.87 10.35 12.86 76
62 6.32 7.44 8.52 9.84 11.57 14.07 77
63 6.91 8.11 9.37 10.91 12.92 15.47 78
64 7.52 8.85 10.30 12.08 14.32 16.94 79
65 8.20 9.65 11.30 13.32 15.79 18.35 80
66 9.02 10.59 12.43 14.62 17.31 19.83 81
67 10.00 11.68 13.63 16.05 18.96 21.42 82
68 11.12 12.88 14.99 17.62 20.75 23.17 83
69 12.47 14.31 16.59 19.34 22.68 25.30 84
70 13.81 15.75 18.20 21.05 24.64 27.62 85
71 15.00 17.10 19.80 22.80 26.70 30.00 86
72 16.28 18.56 21.49 24.75 28.98 32.57 87
73 17.52 19.97 23.12 26.62 31.18 35.03 88
74 18.52 21.11 24.45 28.15 32.97 37.04 89
75 19.42 22.14 25.63 29.52 34.57 38.84 90
76 20.23 23.07 26.71 30.75 36.01 40.47 91
77 21.17 24.13 27.94 32.17 37.68 42.33 92
78 22.64 25.80 29.88 34.41 40.29 45.27 93
79 24.43 27.84 32.24 37.13 43.48 48.85 94
80 25.89 29.51 34.17 39.35 46.08 51.77 95
81 27.23 31.04 35.94 41.39 48.47 54.46 96
82 28.65 32.66 37.81 43.54 50.99 57.29 97
83 29.94 34.12 39.51 45.50 53.28 59.87 98
84 31.31 35.69 41.33 47.59 55.73 62.62 99
7/21/1981
EXHIBIT IV-A
(Part IV - Page 3 of 4)
VANGUARD I OCCIDENTAL
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
SUBSTANDARD FEMALE - ALB
ISSUE POLICY YEAR ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE
0 0.67 0.23 0.17 0.15 0.13 0.12 0.11 0.11 0.10 0.10 0.10 0.10 0.10 0.10 0.11 0.11 15
1 0.23 0.17 0.15 0.13 0.12 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.10 0.11 0.12 0.12 16
2 0.17 0.15 0.13 0.12 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.10 0.11 0.12 0.13 0.13 17
3 0.15 0.13 0.12 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.13 0.14 18
4 0.13 0.12 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.14 0.15 19
5 0.12 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.14 0.15 0.15 20
6 0.12 0.11 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.15 0.14 21
7 0.11 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.14 22
8 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.14 0.14 23
9 0.10 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.14 0.14 24
10 0.10 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.14 0.14 0.14 25
11 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.14 0.14 0.14 0.14 26
12 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.15 0.14 0.14 0.14 0.15 27
13 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.16 0.15 0.15 0.15 0.14 0.14 0.14 0.15 0.15 28
14 0.11 0.12 0.13 0.14 0.15 0.16 0.16 0.15 0.15 0.15 0.15 0.14 0.15 0.15 0.15 0.16 29
15 0.12 0.13 0.14 0.15 0.15 0.16 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 30
16 0.13 0.14 0.14 0.15 0.15 0.16 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.16 0.16 31
17 0.14 0.14 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.16 0.17 0.17 32
18 0.14 0.14 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.16 0.17 0.17 0.18 33
19 0.14 0.14 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.20 34
20 0.14 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.18 0.20 0.21 35
21 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.21 0.23 36
22 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.21 0.23 0.25 37
23 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.23 0.26 0.28 38
24 0.15 0.15 0.15 0.16 0.17 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.24 0.26 0.28 0.31 39
25 0.15 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 40
26 0.15 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 0.37 41
27 0.15 0.16 0.17 0.17 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.39 42
28 0.15 0.16 0.17 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.39 0.43 43
29 0.16 0.17 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.39 0.43 0.47 44
30 0.16 0.17 0.18 0.19 0.20 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.51 45
31 0.17 0.18 0.19 0.20 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.51 0.55 46
32 0.17 0.18 0.20 0.21 0.23 0.26 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.51 0.55 0.60 47
33 0.17 0.19 0.21 0.23 0.25 0.28 0.30 0.33 0.37 0.39 0.43 0.47 0.51 0.55 0.60 0.65 48
34 0.17 0.19 0.22 0.24 0.27 0.29 0.32 0.36 0.39 0.43 0.47 0.51 0.55 0.60 0.65 0.71 49
35 0.18 0.20 0.23 0.25 0.28 0.31 0.35 0.38 0.42 0.46 0.50 0.55 0.60 0.65 0.70 0.77 50
36 0.18 0.21 0.24 0.27 0.30 0.34 0.37 0.41 0.46 0.50 0.54 0.59 0.64 0.69 0.76 0.83 51
37 0.18 0.21 0.25 0.28 0.32 0.36 0.40 0.44 0.49 0.53 0.58 0.63 0.69 0.74 0.81 0.90 52
38 0.18 0.22 0.26 0.30 0.34 0.39 0.43 0.47 0.51 0.55 0.61 0.67 0.73 0.79 0.87 0.97 53
39 0.18 0.23 0.27 0.32 0.37 0.41 0.46 0.50 0.54 0.58 0.64 0.70 0.77 0.84 0.94 1.05 54
40 0.19 0.23 0.28 0.34 0.39 0.44 0.48 0.53 0.57 0.61 0.67 0.74 0.82 0.90 1.01 1.13 55
41 0.19 0.24 0.29 0.36 0.42 0.47 0.51 0.56 0.60 0.65 0.71 0.78 0.87 0.97 1.09 1.21 56
42 0.19 0.25 0.31 0.37 0.44 0.49 0.54 0.59 0.64 0.69 0.75 0.83 0.92 1.05 1.19 1.32 57
7/21/1981
EXHIBIT IV-A
(Part IV - Page 4 of 4)
VANGUARD I OCCIDENTAL
PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE
SUBSTANDARD FEMALE - ALB
ISSUE POLICY YEAR
AGE 1 2 3 4 5 6 7 8 9 10
43 0.20 0.26 0.32 0.39 0.46 0.52 0.57 0.63 0.68 0.73
44 0.21 0.27 0.34 0.41 0.48 0.54 0.60 0.66 0.72 0.79
45 0.21 0.28 0.35 0.43 0.50 0.57 0.63 0.70 0.77 0.84
46 0.22 0.30 0.38 0.45 0.52 0.60 0.67 0.74 0.82 0.90
47 0.24 0.32 0.40 0.48 0.56 0.63 0.71 0.79 0.87 0.96
48 0.26 0.35 0.45 0.54 0.61 0.68 0.78 0.86 0.95 1.04
49 0.29 0.40 0.52 0.61 0.68 0.76 0.86 0.95 1.04 1.15
50 0.32 0.45 0.59 0.68 0.76 0.85 0.94 1.03 1.13 1.25
51 0.34 0.49 0.64 0.74 0.83 0.91 1.00 1.10 1.21 1.34
52 0.36 0.51 0.66 0.77 0.86 0.93 1.03 1.13 1.25 1.40
53 0.36 0.52 0.67 0.78 0.86 0.94 1.03 1.14 1.28 1.43
54 0.36 0.52 0.67 0.78 0.87 0.95 1.04 1.14 1.31 1.46
55 0.36 0.53 0.68 0.79 0.88 0.96 1.05 1.15 1.34 1.51
56 0.37 0.54 0.69 0.80 0.90 0.97 1.06 1.17 1.38 1.59
57 0.39 0.58 0.74 0.90 0.95 1.02 1.13 1.29 1.52 1.77
58 0.42 0.63 0.82 0.95 1.02 1.12 1.29 1.52 1.76 2.01
59 0.45 0.69 0.91 1.02 1.12 1.29 1.52 1.76 2.00 2.21
60 0.49 0.76 0.97 1.12 1.29 1.52 1.76 2.00 2.21 2.46
61 0.53 0.84 1.08 1.29 1.52 1.76 2.00 2.21 2.44 2.84
62 0.57 0.92 1.24 1.46 1.71 1.96 2.21 2.42 2.80 3.32
63 0.61 1.00 1.34 1.59 1.85 2.14 2.40 2.75 3.23 3.86
64 0.66 1.10 1.46 1.74 2.01 2.33 2.72 3.18 3.68 4.38
65 0.71 1.20 1.59 1.89 2.25 2.62 3.13 3.64 4.15 4.92
66 0.76 1.29 1.71 2.15 2.59 2.94 3.57 4.13 4.77 5.53
67 0.83 1.37 1.93 2.55 2.85 3.40 4.09 4.70 5.47 6.30
68 0.90 1.61 1.31 2.82 3.26 4.02 4.62 5.39 6.25 7.24
69 1.37 2.10 2.66 3.24 3.90 4.56 5.23 6.18 7.13 8.26
70 1.86 2.48 2.90 3.73 4.35 4.97 5.80 6.83 7.87 9.11
71 2.03 2.70 3.15 4.05 4.73 5.41 6.31 7.43 8.56 9.91
72 2.24 2.98 3.48 4.47 5.22 5.97 6.96 8.20 9.44 10.94
73 2.44 3.25 3.79 4.88 5.69 6.50 7.59 8.94 10.30 11.92
74 2.66 3.55 4.14 5.33 6.22 7.20 8.29 9.77 11.35 13.02
75 3.02 4.03 4.70 6.05 7.05 8.16 9.40 11.08 12.76 14.63
76 3.41 4.55 5.31 6.83 7.96 9.10 10.62 12.51 14.31 16.53
77 3.70 4.94 5.76 7.40 8.64 9.87 11.51 13.57 15.63 18.09
78 3.90 5.21 6.07 7.81 7.11 10.41 12.14 14.31 16.48 19.08
79 4.02 5.36 6.25 8.04 7.38 10.72 12.51 14.74 16.97 19.65
80 4.15 5.53 6.45 8.29 9.67 11.05 12.90 15.20 17.50 20.26
81 4.36 5.81 6.78 8.72 10.17 11.63 13.56 15.99 18.41 21.31
82 4.59 6.12 7.14 9.17 10.70 12.23 14.27 16.82 19.37 22.43
83 4.79 6.39 7.46 9.59 11.18 12.78 14.91 17.57 20.24 23.43
84 5.01 6.67 7.79 10.01 11.68 13.35 15.57 18.35 21.13 24.47
ISSUE ATTAINED
AGE 11 12 13 14 15 16+ AGE
43 0.80 0.88 0.99 1.15 1.30 1.46 58
44 0.86 0.95 1.09 1.26 1.43 1.61 59
45 0.93 1.03 1.19 1.37 1.56 1.76 60
46 1.00 1.12 1.29 1.49 1.70 1.91 61
47 1.08 1.22 1.39 1.60 1.84 2.05 62
48 1.17 1.32 1.49 1.71 1.97 2.19 63
49 1.28 1.43 1.60 1.83 2.11 2.35 64
50 1.39 1.53 1.71 1.95 2.26 2.55 65
51 1.48 1.64 1.83 2.09 2.43 2.78 66
52 1.56 1.75 1.96 2.25 2.63 3.04 67
53 1.61 1.85 2.09 2.42 2.87 3.31 68
54 1.66 1.95 2.24 2.63 3.14 3.62 69
55 1.72 2.06 2.41 2.88 3.45 4.01 70
56 1.83 2.18 2.63 3.20 3.87 4.50 71
57 2.01 2.37 2.99 3.67 4.44 5.13 72
58 2.22 2.69 3.47 4.24 5.12 5.89 73
59 2.51 3.12 3.99 4.83 5.83 6.71 74
60 2.91 3.59 4.53 5.47 6.57 7.55 75
61 3.39 4.11 5.12 6.18 7.36 8.46 76
62 3.93 4.69 5.83 6.91 8.29 9.47 77
63 4.49 5.34 6.55 7.77 9.30 10.57 78
64 5.08 6.01 7.30 8.63 10.27 11.67 79
65 5.68 6.71 8.11 9.51 11.24 12.77 80
66 6.40 7.49 8.96 10.50 12.32 14.00 81
67 7.27 8.40 9.86 11.55 13.63 15.40 82
68 8.30 9.49 10.94 12.91 15.22 17.10 83
69 9.41 10.74 12.36 14.44 16.91 19.00 84
70 10.35 11.80 13.66 15.73 18.43 20.70 85
71 11.26 12.84 14.86 17.11 20.04 22.52 86
72 12.43 14.17 16.40 18.89 22.12 24.85 87
73 13.55 15.45 17.89 20.60 24.12 27.10 88
74 14.95 17.02 19.54 22.57 26.34 29.60 89
75 16.80 19.28 22.10 25.60 29.89 33.59 90
76 18.81 21.61 24.95 28.82 33.75 37.92 91
77 20.56 23.44 27.14 31.25 36.60 41.12 92
78 21.69 24.72 28.62 32.96 38.60 43.37 93
79 22.34 25.46 29.48 33.95 39.76 44.67 94
80 23.03 26.25 30.40 35.00 40.99 46.05 95
81 24.22 27.61 31.97 36.81 43.11 48.44 96
82 25.48 29.05 33.64 38.73 45.36 50.96 97
83 26.63 30.36 35.15 40.47 47.40 53.25 98
84 27.81 31.70 36.70 42.27 49.49 55.61 99
7/21/1981
AMENDMENT
---------
NO. 2
-----
This Amendment is made by and between CENTURY LIFE OF AMERICA, hereinafter
called the Ceding Company, and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY,
hereinafter called Transamerica Occidental, with reference to the following
facts:
A. Effective January 1, 1981, TRANSAMERICA OCCIDENTAL LIFE INSURANCE
COMPANY and LUTHERAN MUTUAL LIFE INSURANCE COMPANY entered into a
Reinsurance Agreement.
B. The parties hereto desire to amend said Reinsurance Agreement to change
the name of the Ceding Company.
1.
Effective December 29, 1984, the name of the Ceding Company, as it appears
in the Agreement, is hereby changed from LUTHERAN MUTUAL LIFE INSURANCE
COMPANY to CENTURY LIFE OF AMERICA.
AMENDMENT ▇▇. ▇ ▇▇▇▇▇▇▇▇▇ . . .
▇.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CENTURY LIFE OF AMERICA TRANSAMERICA OCCIDENTAL
LIFE INSURANCE COMPANY
at Waverly, Iowa, at Los Angeles, California,
on October 29, 1984. on October 16, 1984.
------------------------------ -----------------------
By /s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇ By /s/ Signature
------------------------------ -----------------------
Title: Vice President
▇▇▇▇ ▇. ▇▇▇▇▇▇
▇▇. Vice Pres. - Chief Actuary
By /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ By /s/ Signature
------------------------------ -----------------------
Title: Second Vice President
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Asst. Secretary
12581A2 - No. 6
AMENDMENT
---------
NO. 3
-----
This Amendment, made by and between CENTURY LIFE OF AMERICA, hereinafter called
the Ceding company, and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY,
hereinafter called Transamerica Occidental, hereby amends and is attached to and
forms part of that certain Reinsurance Agreement (1258-1), dated January 1,
1981, made and entered into by and between the parties hereto, together with all
amendments and supplements thereto, as follows:
1.
Effective January 1, 1983, the following Section 5, is hereby added to
Article I of the Agreement:
5. Insurance issued by the Ceding Company and reinsured with
Transamerica Occidental under the Life, Disability and Accidental
Death Automatic Reinsurance Agreement (1258-3), effective January 1,
1983, shall be excluded from reinsurance under this Agreement.
2.
Effective February 1, 1986, Section 5. of Article I is hereby amended to
read in its entirety as follows:
AMENDMENT ▇▇. ▇ ▇▇▇▇▇▇▇▇▇ . . .
▇. Insurance issued by the Ceding Company and reinsured with Transamerica
Occidental under the Life, Disability and Accidental Death Automatic
Reinsurance Agreement (1258-3), effective January 1, 1983, and the
Life, Disability and Accidental Death Automatic Reinsurance Agreement
(1258-4), effective February 1, 1986, shall be excluded from
reinsurance under this Agreement.
3.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CENTURY LIFE TRANSAMERICA OCCIDENTAL
OF AMERICA LIFE INSURANCE COMPANY
at Waverly, Iowa, at Los Angeles, California,
on January 6, 1987. on January 28, 1982.
------------------------------ --------------------------
By /s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ By /s/ Signature
------------------------------ --------------------------
Title: Vice President
By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇ By /s/ Signature
------------------------------ --------------------------
Title: Vice President and Actuary
12581A3 - No. 3
[LOGO OF Transamerica Center
TRANSAMERICA 1150 South Olive
LIFE COMPANIES] ▇▇▇ ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇
Mailing Address
▇.▇. ▇▇▇ ▇▇▇▇
▇▇▇ ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇
June 26, 1989
▇▇. ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
Supervisor - Actuarial/Corp. Accounting
Century Life of America
▇▇▇▇▇▇▇▇ ▇▇▇
▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇
Dear ▇▇. ▇▇▇▇▇▇▇▇▇:
The American Council of Life Insurance has requested reinsurers to change the
Arbitration Article in their agreements to indicate that the appointment of any
arbitrators would not be left up to the President of the American Council of
Life Insurance. As a result, a portion of the Arbitration Article is changed as
follows:
There shall be three arbitrators who shall be officers of life insurance
companies other than the contracting companies or their subsidiaries. Each
of the contracting companies shall appoint one of the arbitrators and
these two arbitrators shall select the third. In the event that either
contracting company should fail to choose an arbitrator within thirty days
after the other contracting company has given notice of its arbitrator
appointment, that contracting company may choose two arbitrators who shall
in turn choose a third arbitrator before entering arbitration. If the two
arbitrators are unable to agree upon the selection of a third arbitrator
within thirty days following their appointment, each arbitrator shall
nominate three candidates within ten days thereafter, two of whom the other
shall decline and the decision shall be made by drawing lots.
If you are in agreement with the contents of this letter, please sign and return
one copy of this letter to me. A copy of this letter should then be included in
every agreement(s) we have with you and would be binding as if it were a part of
the agreement(s). This would apply to both in force as well as terminated
agreements and ceded as well as accepted agreements.
/s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇
▇▇▇▇▇▇▇ ▇. ▇▇▇▇
Second Vice President
RW/sk
CENTURY LIFE OF AMERICA
/s/ ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇
----------------------------------
Title: Supervisor - Actuarial/Corp. Acctg
Date 7-11-89
Transamerica Occidental Life Insurance Company [] (▇▇▇) ▇▇▇-▇▇▇▇
Transamerica Life Insurance and Annuity Company [] (▇▇▇) ▇▇▇-▇▇▇▇
Transamerica Assurance Company [] (▇▇▇) ▇▇▇-▇▇▇▇
Transamerica Financial Resourees, Inc. [] (▇▇▇) ▇▇▇-▇▇▇▇
Transamerica International Insurance Services, Inc. [] (▇▇▇) ▇▇▇-▇▇▇▇
TRANSAMERICA REINSURANCE
--------------------------------------------------------------------------------
AMENDMENT
---------
No. 4
-----
This Amendment, effective July 1, 1990, made by and between CENTURY LIFE OF
AMERICA, hereinafter called the Ceding Company, and TRANSAMERICA OCCIDENTAL LIFE
INSURANCE COMPANY, hereinafter called Transamerica Occidental, hereby amends and
is attached to and forms part of that certain Reinsurance Agreement No.
(1258-1), dated January 1, 1981, made and entered into by and between the
parties hereto, together with all amendments and supplements thereto, as
follows:
1.
Exhibit V, which is entitled THE CEDING COMPANY'S RETENTION LIMITS, is
hereby replaced in its entirety by the attached Exhibit V-A.
AMENDMENT NO. 4 CONTINUES . . .
--------------------------------------------------------------------------------
[LOGO OF
TRANSAMERICA
LIFE COMPANIES]
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement
other than as set forth in this Amendment, and it is subject otherwise to
all the terms and conditions of the Reinsurance Agreement together with all
amendments and supplements thereto.
Executed in duplicate by Executed in duplicate by
CENTURY LIFE TRANSAMERICA OCCIDENTAL
OF AMERICA LIFE INSURANCE COMPANY
at Waverly, Iowa, at Los Angeles, California,
on , 1990. on June 11, 1990.
------------------------ ----------------------
By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇ By /s/ Signature
-------------------------- -----------------------
Title: AVP Second Vice President
By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ By /s/ Signature
----------------------- ------------------
Title: Second Vice President
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, SECRETARY
12581A4 - No. LI
THE CEDING COMPANY'S RETENTION LIMITS
-------------------------------------
Effective July 1, 1990
LIFE INSURANCE
--------------
Ages Standard
---- --------
0-70 $500,000
71-80 40,000
Age A & AA B & BB C-D E-F H-J L-P
---- -------- -------- -------- -------- -------- --------
0-50 $500,000 $442,000 $375,000 $300,000 $192,000 $100,000
51 482,000 425,000 362,000 288,000 185,000 98,000
52 463,000 408,000 347,000 278,000 177,000 93,000
53 443,000 392,000 333,000 267,000 170,000 89,000
54 425,000 375,000 318,000 255,000 163,000 85,000
55 407,000 358,000 305,000 243,000 155,000 83,000
56 388,000 342,000 290,000 233,000 148,000 78,000
57 368,000 325,000 277,000 222,000 142,000 74,000
58 350,000 310,000 263,000 210,000 135,000 70,000
59 332,000 293,000 248,000 198,000 127,000 68,000
60 313,000 277,000 235,000 188,000 120,000 63,000
61 293,000 260,000 220,000 177,000 113,000 59,000
62 275,000 243,000 207,000 165,000 105,000 55,000
63 257,000 227,000 192,000 153,000 98,000 53,000
64 238,000 210,000 178,000 143,000 92,000 48,000
65 218,000 193,000 163,000 132,000 83,000 44,000
66 200,000 177,000 150,000 120,000 77,000 40,000
67 182,000 160,000 137,000 108,000 70,000 38,000
68 163,000 143,000 122,000 98,000 62,000 33,000
69 143,000 127,000 108,000 87,000 55,000 29,000
70 125,000 110,000 93,000 75,000 48,000 25,000
71-80 40,000 40,000 40,000 40,000 40,000 25,000
Disability Waiver of Premium Benefit
------------------------------------
$1,000,000 of Total Life in Force
Accidental Death Benefit
------------------------
$150,000
The above amounts will be exceeded by as much as $15,000 to avoid reinsurance.
EXHIBIT V-A
TRANSAMERICA REINSURANCE
--------------------------------------------------------------------------------
SPECIAL DAC TAX
---------------
AMENDMENT
---------
This Amendment, effective February 15, 1993, between CENTURY LIFE OF AMERICA
(Referred to as Ceding Company; Reinsured; you, your), and TRANSAMERICA
OCCIDENTAL LIFE INSURANCE COMPANY (Referred to as Transamerica Occidental;
Reinsurer; we, us, our), hereby amends and becomes a part of the Reinsurance
Agreement (No. 1258-1), dated January 1, 1981.
1.
The attached DAC Tax Article, entitled Section 1.848-2(g)(8) Election, is
hereby added to the Agreement.
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as stated in this Amendment. It is subject to all of the terms and
conditions of the Reinsurance Agreement together with all Amendments and
supplements.
Executed in duplicate by Executed in duplicate by
CENTURY LIFE TRANSAMERICA OCCIDENTAL
OF AMERICA LIFE INSURANCE COMPANY
at Waverly, Iowa, at Charlotte, North Carolina,
on June 29, 1993. on February 10, 1993.
------------------------------ --------------------------
By: /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇ By: /s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇
------------------------------ --------------------------
Title: Vice President Title: Vice President
By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ By: /s/ ▇▇▇ ▇▇▇▇
------------------------------ --------------------------
Title: Secretary Title: Vice President
--------------------------------------------------------------------------------
[LOGO OF
TRANSAMERICA
LIFE COMPANIES]
DAC TAX ARTICLE
Section 1.848-2(g)(8) Election
------------------------------
The Reinsured and the Reinsurer herby agree to the following pursuant to Section
1.848-2(g)(8) of the Income Tax regulations issued December 1992, under Section
848 of the Internal Revenue Code of 1986, as amended. This election shall be
effective for 1992 and for all subsequent taxable years for which this Agreement
remains in effect.
1. The term "party" will refer to either the Reinsured or the Reinsurer as
appropriate.
2. The terms used in this Article are defined by reference to Regulation
Section 1.848-2 in effect December 1992.
3. The party with the net positive consideration for this Agreement for each
taxable year will capitalize specified policy acquisition expenses with
respect to this Agreement without regard to the general deductions
limitation of section 848(c)(1).
4. Both parties agree to exchange information pertaining to the amount of net
consideration under this Agreement each year to ensure consistency or is
otherwise required by the Internal Revenue Service.
5. The Reinsured will submit a schedule to the Reinsurer by May 1 of each year
of its calculation of the net consideration for the preceding calendar year.
This schedule of calculations will be accompanied by a statement signed by
an officer of the Reinsured stating that the Reinsured will report such net
consideration in its tax return for the preceding calnendar year.
6. The Reinsurer may contest such calculation by providing an alternative
calculation to the Reinsured in writing within 30 days of the Reinsurer's
receipt of the Reinsured's calculation. If the Reinsurer does not so notify
the Reinsured, the Reinsurer will report the net consideration as determined
by the Reinsured in the Reinsurer's tax return for the previous calendar
year.
7. If the Reinsurer contests the Reinsured's calculation of the net
consideration, the parties will act in good faith to reach an agreement as
to the correct amount within thirty (30) days of the date the Reinsurer
submits its alternative calculation. If the Reinsured and the Reinsurer
reach agreement on an amount of net consideration, each party shall report
such amount in their respective tax returns for the previous calendar year.
TRANSAMERICA REINSURANCE
AMENDMENT
---------
NO. 5
-----
This Amendment, effective October 1, 1992, made by and between CENTURY LIFE OF
AMERICA, hereinafter called the Ceding Company, and TRANSAMERICA OCCIDENTAL
LIFE INSURANCE COMPAY, hereinafter called Transamerica Occidental, hereby amends
and is attached to and forms part of that certain Reinsurance Agreement No.
(1258-1), dated January 1, 1981, made and entered into by and between the
parties hereto, together with all amendments and supplements here to, as
follows:
1.
Exhibit V-A, which is entitled THE CEDING COMPANY'S RETENTION LIMITS, is
hereby replaced in its entirety by the attached Exhibit V-B.
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CENTURY LIFE TRANSAMERICA OCCIDENTAL
OF AMERICA LIFE INSURANCE COMPANY
At Waverly, Iowa, at charlotte, North Carolina,
On. 12/1 ,1992. On. October 15, 1992.
--------- ---------- ------------- --------
By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇ By /s/ ▇▇▇ ▇▇▇▇
------------------------ -----------------------
Title: Second Vice President
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇ By /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇
--------------------- -----------------------
Title: Secretary Second Vice President
12581A5 - No. L5
THE CEDING COMPANY'S RETENTION LIMITS
-------------------------------------
Effective October 1, 1992
Life Insurance
--------------
Ages Standard
---- --------
0-70 $500,000
71-80 50,000
Ages Tables A-P
---- ----------
0-60 $500,000
61-70 300,000
71+ 50,000
Disability Waiver of Premium Benefit
------------------------------------
$1,000,000 of Total Life in Force
Accidental Death Benefit
------------------------
$150,000
The above amounts will be exceeded by as much as $15,000 to avoid reinsurance.
EXHIBIT V-B
------------
TRANSAMERACA
------------
-----------
REINSURANCE
-----------
Reinsurance Amendment For
CUNA MUTUAL LIFE
INSURANCE COMPANY
Facultative Agreement
(No.1058-1)
[LOGO OF TRANSAMERICA LIFE COMPANIES]
TRANSAMERICA
LIFE COMPANIES
AMENDMENT
NO.6
This Amendment is made by and between CUNA MUTUAL LIFE INSURANCE COMPANY,
hereinafter called the Ceding Company, and TRANSAMERICA OCCIDENTAL LIFE
INSURANCE COMPANY, hereinafter called Transamerica Occidental, with reference to
the following facts:
A. Effective January 1, 1981, CENTURY LIFE OF AMERICA (originally known as
LUTHERAN MUTUAL LIFE INSURANCE COMPANY) and TRANSAMERICA OCCIDENTAL LIFE
INSURANCE COMPANY entered into a Reinsurance Agreement.
B. The parties desire to amend the Reinsurance Agreement by changing the
name of the Ceding Company.
Effective December 31,1996, the name of the Ceding Company, as it appears in the
Agreement, is changed from CENTURY LIFE OF AMERICA to CUNA MUTUAL LIFE INSURANCE
COMPANY.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CUNA MUTUAL LIFE TRANSAMERICA OCCIDENTAL
INSURANCE COMPANY LIFE INSURANCE COMPANY
at Waverly, lowa, at Charlotte, North Carolina,
on 11/12 ,1996. on November 7 , 1996.
--------------------------- ------------------------------
By: /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇▇▇ By: /s/ Signature
------------------------- ------------------------------
Title Vice President Second Vice President
By: /s/ ▇▇▇▇▇ ▇▇▇▇▇▇ By: /s/ Signature
--------------------------- ------------------------------
Title Valuation Manager Second Vice President
1058-1-w2 sk
AMENDMENT
to the Reinsurance Agreements (the "Agreements")
Listed in the attached Exhibit 1 between
CUNA MUTUAL LIFE INSURANCE COMPANY of Waverly, Iowa,
("REINSURED"),
and
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY of charlotte, North Carolina,
("TRANSAMERICA")
1. Effective the first day of January, 1999,TRANSAMERICA agrees to be
bound by the provisions of the New Mexico Domestic Abuse Insurance Protection
Act ("the Act") in all respects and to be subject to enforcement of the Act in
the courts of the state of New Mexico in relation to any confidential abuse
information relating to a resident of the state of New Mexico that is
transferred to TRANSAMERICA by the REINSURED.
2. The provisions of this amendment shall be subject to all the terms and
conditions of the Agreements which do not conflict with the terms hereof.
IN WITNESS HEREOF the parties hereto have caused this amendment to be
executed in duplicate on the dates shown below.
CUNA MUTUAL LIFE INSURANCE COMPANY
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
------------------------------ ------------------------------
Title AVP, Life & Health Products Title AVP, Assistant Secretary
--------------------------- ---------------------------
Date 12/21/99 Date 12/21/99
--------------------------- ---------------------------
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY
By /s/ Signature By /s/ Signature
------------------------------ ------------------------------
Title Vice President Title Vice President
--------------------------- ---------------------------
Date 1/28/00 Date 1/28/00
--------------------------- ---------------------------
Exhibit 1
Transamerica Occidental Life Insurance Company
Agreement
Agreement Number/ Type of Effective Date Agreement
Revision Number Agreement From Through Status*
--------------- --------- ---- ------- -------
1258-1 Risk Premium Reinsurance 01/01/1981 --- Effective
1258-3 Risk Premium Reinsurance 01/01/1983 --- Effective
1258-4 Risk Premium Reinsurance 02/01/1986 --- Effective
1258-5 Risk Premium Reinsurance 01/01/1986 --- Effective
1258-6 Risk Premium Reinsurance 01/01/1989 --- Effective
1258-2 Coinsurance 07/01/1981 --- Effective
1258-7 Risk Premium Reinsurance 06/01/1992 --- Effective
1258-P1 Coinsurance 07/01/1995 --- Effective
[LOGO OF TRANSAMERICA REINSURANCE]
Reinsurance Amendment For
CUNA MUTUAL LIFE INSURANCE COMPANY
Facultative Reinsurance Agreement
(No. 1058-1)
AMENDMENT
NO.7
This Amendment , effective January 1, 2000, made by and between CUNA Mutual Life
Insurance Company, hereinafter called the Ceding Company, and Transamerica
Occidental Life Insurance Company, hereinafter called Transamerica Occidental,
hereby amends and is attached to and becomes a part of the Facultative
Reinsurance Agreement (No. 1058-1), dated January 1, 1981.
1.
Exhibit V-B is replaced by the attached Exhibit V-C
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed and duplicate by
CUNA MUTUAL LIFE Transamerica Occidental
INSURANCE COMPANY Life Insurance Company
at Waverly, Iowa, At Charlotte, North Carolina,
on February 29, 2000. On January 13 , 2000
-------------------------------- --------------------------
By /s/ ▇▇▇▇ ▇. ▇▇▇▇▇ By /s/ Signature
-------------------------------- --------------------------
Title: Asst. Vice President Title: Vice President
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By /s/ Signature
-------------------------------- --------------------------
Title: Associate General Counsel Title:
THE CEDING COMPANY'S RETENTION LIMITS
-------------------------------------
Effective January 1,2000
Life Insurance
--------------
Ages All Ratings
---- -----------
0-69 $1,000,000
70+ $ 500,000
Disability Waiver of Premium Benefit
------------------------------------
$1,000,000
Accidental Death Benefit
------------------------
$250,000
The above amounts will be exceeded by as much as $15,000 to avoid reinsurance.
EXHIBIT V-C
[LOGO OF TRANSAMERICA REINSURANCE]
Reinsurance Amendment For
CUNA MUTUAL LIFE INSURANCE COMPANY
Reinsurance Agreement
(No. 1058-1)
AMENDMENT
NO.8
This Amendment, effective November 1, 1999, made by and between CUNA MUTUAL LIFE
INSURANCE COMPANY, hereinafter called the Ceding Company, and TRANSAMERICA
OCCIDENTAL LIFE INSURANCE COMPANY, hereinafter called Transamerica Occidental,
hereby amends and is attached to and becomes a part of the Facultative
Reinsurance Agreement (No. 1058-1), dated January 1, 1981.
1.
Article III, Formal Cession, is replaced by the attached Article III-A,
Formal Cession and Notification.
2.
Article VI-A, Premium Accounting shall apply only to reinsurance of
the Ceding Company's MEMBERS VULII (99-VUL) plan of insurance.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CUNA MUTUAL LIFE Trasnamerica Occidental
INSURANCE COMPANY Life Insurance Company
at Waverly, Iowa, At Charlotte, North Carolina,
on September 27, 2001 On August 29, 2001
------------------------------ ------------------------------
By /s/ ▇▇▇▇▇ ▇▇▇▇▇ By /s/ Signature
------------------------------ ------------------------------
Title: Assistant Vice President Title: Vice President
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By /s/ Signature
------------------------------ ------------------------------
Title: Assistant Secretary Title: Vice President & Associate
General Counsel
10581A8 SK
ARTICLE III-A
FORMAL CESSION AND NOTIFICATION
-------------------------------
1. In the case of each reinsurance cession for all plans except the Ceding
Company's MEMBERS VULII (99-VUL), promptly after the Ceding Company's
liability for its insurance has begun, the Ceding Company shall deliver to
Transamerica Occidental a "Formal Reinsurance Cession," Exhibit II. Based
upon the data set forth on the "Formal Reinsurance Cession," Transamerica
Occidental shall prepare a "Reinsurance Cession Card," Exhibit III, and
shall deliver one copy to the Ceding Company.
2. In the case of each reinsurance cession for the Ceding Company's MEMBERS
VULII (99-VUL), the Ceding Company shall inform Transamerica Occidental of
such reinsurance by means of the monthly accounting report as described in
Article VI-A.
...END OF ARTICLE III-A
ARTICLE VI-A
PREMIUM ACCOUNTING
------------------
1. The reinsurance premiums required under this agreement shall be payable to
Transamerica Occidental on the annual basis regardless of how insurance
premiums are payable to the Ceding Company.
2. Each month the Ceding Company shall prepare and submit to Transamerica
Occidental a statement, reporting first year and renewal reinsurance
premiums, individual risk identification for purposes of new business,
policy changes and terminations, refunds and allowances and other pertinent
data mutually agreed upon by the parties hereto for the life insurance
reinsured under this Agreement which became due during the current month.
3. If a statement shows that a net reinsurance premium balance is payable to
Transamerica Occidental, the Ceding Company shall include with the
statement its payment for the amount of the net balance due Transamerica
Occidental. If payment for the full amount of the net balance due
Transamerica Occidental is not included with the statement, the reinsurance
premiums for all of the risks listed on the statement shall be in default.
If a statement shall not be received by Transamerica Occidental within
thirty days, the reinsurance premiums for all of the risks that would have
been listed on such statement shall be in default.
If a statement shows that a net balance is payable to the Ceding Company,
Transamerica Occidental shall pay to the Ceding Company the amount of the
net balance within thirty days after the day on which Transamerica
Occidental received the monthly statement form the Ceding Company.
4. Transamerica Occidental shall have the right to terminate the reinsurance
on risks for which reinsurance premiums are in default by giving thirty
days written notice of termination to the Ceding Company. As of the close
of the last day of this thirty-day notice period, all of Transamerica
Occidental's liability for the following reinsurance shall terminated:
A. Reinsurance on risks which are subject to the termination notice, and,
in addition,
B. Reinsurance on risks the reinsurance premiums for which went into
default during the thirty-day notice period.
Notwithstanding termination of reinsurance as provided by this Section, the
Ceding Company shall continue to be liable to Transamerica Occidental for
all unpaid reinsurance premiums earned by Transamerica Occidental under
this Agreement.
5. Subject to the exception stated below in the third paragraph of this
Section, reinsurance terminated under Section 4. Of this Article may be
reinstated by the Ceding Company.
ARTICLE VI-A CONTINUES...
The Ceding Company may reinstate such terminated reinsurance if, within
sixty days after the effective date of its termination, the Ceding Company
shall pay in full all of the unpaid reinsurance premiums for the
reinsurance which was in force prior to its termination. The effective date
of reinstatement shall be the day Transamerica Occidental shall have
received all of the required premiums.
There shall be no reinstatement of reinsurance on a risk with respect to
which the Ceding Company incurred a claim for insurance after the
reinsurance terminated notwithstanding the fact that payment of the unpaid
reinsurance premiums for such a risk is required before there can be any
reinstatement under this Section.
6. The first day of the thirty-day notice of termination under Section 4. of
this Article shall be the day that the notice shall be deposited in the
mail addressed to the Ceding Company's Home Office, or , if the mail is not
used, the day it is delivered to the Ceding Company's Home Office or to an
Officer of the Ceding Company.
7. Within Sixty days following the close of each calendar year, the Ceding
Company shall prepare and submit to Transamerica Occidental an in force
listing of all risks Ceding Company under this Agreement setting forth
pertinent data mutually agreed upon by the parties hereto.
8. The reinsurance premiums and the reinsurance benefits payable under this
Agreement shall be payable in the lawful money of the United States;
except, however, they shall be payable in the lawful money of Canada if the
Ceding Company's insurance is based on Canadian currency.
...END OF ARTICLE VI-A.
AMENDMENT
NO.9
This Amendment, effective November 1, 1999, made by and between CUNA MUTUAL LIFE
INSURANCE COMPANY, (Reinsured referred to as you, your), and TRANSAMERICA
OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is
attached to and becomes a part of the Facultative Reinsurance Agreement (No.
1058-01), dated January 1, 1981.
1.
The Reinsured and Reinsurer agree that the policy fee shown as applicable
to the Vanguard rates in Exhibit IV-A shall not be payable to the Reinsurer
for the Members VULII(99-VUL) plan of insurance.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CUNA MUTUAL LIFE TRANSAMERICA OCCIDENTAL
INSURANCE COMPANY LIFE INSURANCE COMPANY
at Waverly, Iowa, at Charlotte, North Carolina,
on February 12, 2002. on January 23, 2002.
--------------------------------- ------------------------------------
By: /s/ Signature By: /s/ Signature
-------------------------------- -----------------------------------
Title: AVP Title: Vice President
By /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By /s/ Signature
--------------------------------- ------------------------------------
Title: AVP, Associate Secretary Title: Vice President & General Counsel
Counsel & Assistant Secretary
10581A9 be
CONFIDENTIALITY AGREEMENT ADDENDUM
This Confidentiality Agreement Addendum, effective July 1, 2001, is
entered into by and between TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY
(hereinafter referred to as "we" and "us") and CUNA MUTUAL LIFE INSURANCE
COMPANY (hereinafter referred to as "you") and amends the reinsurance agreements
between the parties listed in the attached Exhibit 1 (hereinafter referred to as
the "Reinsurance Agreements").
We agree to protect and hold all nonpublic personal policyholder
information you provide to us in conjunction with the Reinsurance Agreements in
strict confidence. "Nonpublic personal information" includes health information,
financial information and other information provided to us in conjunction with
carrying out our obligations under a reinsurance agreement with your company. We
agree not to disclose nonpublic personal information, in any form or medium, to
any affiliated or nonaffiliated person, firm or corporation except as necessary
to perform services under the Agreements, as may be required during the course
of external audits or as required or permitted by law. To the extent we contract
with a third party that obtains nonpublic personal information in order to
provide services under the Agreements, we agree to obtain confidentiality
protections to require the third party to hold nonpublic personal information in
strict confidence and not to disclose it to any person unless required or
permitted by law. We agree to use nonpublic personal information only for
reinsurance purposes and we will not use such information for any other purpose.
Notwithstanding the foregoing, it is understood and the parties agree
that we will not be prohibited from disclosing such nonpublic personal
information as might be necessary for purposes of retrocession of the reinsured
business. We have included a confidentiality provision in our retrocession
agreements with our third-party reinsures applicable to our current retrocession
pool.
We agree to implement and maintain reasonable and customary security
measures to safeguard nonpublic personal information: Such measures shall
include, but not be limited to, informing employees of the confidentiality
requirements applicable to nonpublic personal information.
Out obligation to maintain the confidentiality of nonpublic personal
information provided to us shall survive termination of the reinsurance
agreement and shall remain in effect for as long as the nonpublic personal
information remains in our possession.
Executed on behalf of:
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY
By: /s/ Signature By :/s/ Signature
-------------------------------- -------------------------
Title: Vice President Title: VP
Date: 7/24/02 Date: 7/23/02
------------------------------ ------------------------
CUNA MUTUAL LIFE INSURANCE COMPANY
By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇
-------------------------------- --------------------------
Title: VP Life & Health Products Title: Assistant Secretary
Date: 7/12/02 Date: 7/12/2002
------------------------------ -----------------------
EXHIBIT 1
Transamerica Occidental Life Insurance Company
Agreement
Agreement Number/ Effective Date
-----------------
REVISION NUMBER Type of Agreement From Through Agreement Status
----------------- ---- ------- ----------------
1258-1 Risk Premium 01/01/1981 --- Effective
Reinsurance
1258-3 Risk Premium 01/01/1983 --- Effective
Reinsurance
1258-4 Risk Premium 02/01/1986 --- Effective
Reinsurance
1258-5 Risk Premium 01/01/1986 --- Effective
Reinsurance
1258-6 Risk Premium 01/01/1989 --- Effective
Reinsurance
1258-2 Coinsurance 07/01/1981 --- Closed for New
Business 12/31/1999
1258-7 Risk Premium 06/01/1992 --- Effective
Reinsurance
1258-P1 Coinsurance 07/01/1995 --- Closed for New
Business 05/10/2000
AMENDMENT
NO. 10
This Amendment, effective January 1, 2003, made by and between CUNA MUTUAL LIFE
INSURANCE COMPANY (referred to as Ceding Company; Reinsured; you, your) and
TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (referred to as Reinsurer; we,
us, our), hereby amends and becomes a part of the Reinsurance Agreement
(No.1058-01), dated January 1, 1981.
1.
Article III-A, which is entitled FORMAL CESSION AND NOTIFICATION, is hereby
replaced in its entirety by the attached Article III-A, which is entitled
NOTIFICATION AND REPORTING OF REINSURANCE.
2.
Article VI-A, which is entitled PREMIUM ACCOUNTING shall apply to
reinsurance of all of the Ceding Company's plans of insurance.
3.
Article VI is no longer applicable to this Agreement.
4.
Exhibits II and III are no longer applicable to this Agreement.
5.
Exhibit VI is hereby attached to this Agreement.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as set forth in this Amendment, and it is subject otherwise to all the
terms and conditions of the Reinsurance Agreement together with all amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
CUNA MUTUAL LIFE TRANSAMERICA OCCIDENTAL
INSURANCE COMPANY LIFE INSURANCE COMPANY
at Waverly, Iowa, at, Charlotte, North Carolina,
on May 28, 2003. on May 12, 2003.
--------------------------------- ------------------------------
By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ By: /s/ Signature
-------------------------------- ----------------------------
Title: VP Life & Health Products Title: Vice President
By: /s/ ▇▇▇▇ ▇. ▇▇▇▇▇ By: /s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
-------------------------------- ----------------------------
Title: V.P. Title: Second Vice President
