0001398344-10-000548 Sample Contracts

EXPENSE LIMITATION AGREEMENT
Expense Limitation Agreement • April 30th, 2010 • Wilshire Variable Insurance Trust

EXPENSE LIMITATION AGREEMENT (the “Agreement”), effective as of May 1, 2010 by and between Wilshire Associates Incorporated, a California corporation (the “Adviser”) and Wilshire Variable Insurance Trust (the “Trust”), on behalf of the Wilshire 2015 ETF Fund, Wilshire 2025 ETF Fund and Wilshire 2035 ETF Fund (each a “Fund” and collectively, the “Funds”).

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AMENDED AND RESTATED PARTICIPATION AGREEMENT Among WILSHIRE VARIABLE INSURANCE TRUST and HORACE MANN LIFE INSURANCE COMPANY
Participation Agreement • April 30th, 2010 • Wilshire Variable Insurance Trust • Delaware
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