Green Section 07-2021

PRODUCTS & RATES SECTION WHOLE LIFE Traditional J Plan - 20-Year Limited Pay H Plan - 20-Year Limited Pay JSPL - Junior Single Premium SPL - Single Premium SAFE Plan Interest-Sensitive JFLA - Junior Flex Life Annual FLA - Flex Life Annual TERM LIFE Newborn CT-10 CLT-20 ANNUITIES Non-qualified

5-Year Annuity – FPDA

9-Year Annuity – FPDA Qualified

Traditional IRA - 5-Year

ROTH IRA - 5-Year

SEP IRAs - 5-Year

Inherited IRAs - 5-Year

9-Year Traditional, ROTH, SEP, Inherited IRAs

Matured Annuities POLICY RIDERS Accidental Death Benefit (ADB) Insurability Protection Rider (IPR) Waiver of Premium (WP) Revised 09/01/2020

20-YEAR LIMITED PAY WHOLE LIFE - JUNIOR PLAN J ISSUE AGES: 0-17 MINIMUM $15,000 - MAXIMUM $50,000 PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft RIDERS AVAILABLE Insurability Protection Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-FORFEITURE OPTIONS Reduced Paid-Up Whole Life Insurance Surrender for Cash Value Automatic Premium Loan (APL)

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 9/24/2010

RATES FOR PLAN J - 20-YEAR PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

MALE $15,000 TO $50,000

AGE 0 1 2 3 4

SEMIQUARANNUAL ANNUAL TERLY 10.30 5.36 2.73 5.40 2.75 10.39 5.47 2.79 10.51 5.53 2.82 10.64 5.61 2.86 10.79

EXTRA FOR WAIVER OF PREMIUM

MONTHLY

BANK DRAFT

0.93 0.94 0.95 0.96 0.98

0.88 0.89 0.90 0.91 0.92

SEMIQUARANNUAL ANNUAL TERLY 0.79 0.41 0.21 0.82 0.43 0.22 0.85 0.44 0.23 0.89 0.46 0.24 0.92 0.48 0.24

MONTHLY

BANK DRAFT

0.08 0.08 0.08 0.09 0.09

0.07 0.07 0.08 0.08 0.08

AGE 20 21 22 23 24

5 6 7 8 9

10.95 11.11 11.28 11.46 11.65

5.69 5.78 5.87 5.96 6.06

2.90 2.94 2.99 3.04 3.09

0.99 1.00 1.02 1.04 1.05

0.94 0.95 0.96 0.98 1.00

0.96 1.00 1.05 1.11 1.16

0.50 0.52 0.55 0.58 0.60

0.25 0.27 0.28 0.29 0.31

0.09 0.09 0.10 0.10 0.11

0.09 0.09 0.09 0.10 0.10

25 26 27 28 29

10 11 12 13 14

11.84 12.04 12.24 12.45 12.66

6.16 6.26 6.36 6.47 6.58

3.14 3.19 3.24 3.30 3.35

1.07 1.09 1.11 1.13 1.14

1.01 1.03 1.05 1.06 1.08

1.23 1.30 1.37 1.46 1.55

0.64 0.68 0.71 0.76 0.81

0.33 0.34 0.36 0.39 0.41

0.12 0.12 0.13 0.14 0.14

0.11 0.12 0.12 0.13 0.14

30 31 32 33 34

15 16 17

12.88 13.10 13.33

6.70 6.81 6.93

3.41 3.47 3.53

1.16 1.18 1.20

1.10 1.12 1.14

1.65 1.76 1.89 2.02 2.17

0.86 0.92 0.98 1.05 1.13

0.44 0.47 0.50 0.54 0.58

0.15 0.16 0.18 0.19 0.20

0.15 0.15 0.17 0.18 0.19

35 36 37 38 39

2.33 2.51 2.71 2.93 3.15

1.21 1.31 1.41 1.52 1.64

0.62 0.67 0.72 0.78 0.83

0.21 0.23 0.25 0.27 0.29

0.20 0.22 0.24 0.25 0.27

40 41 42 43 44

3.40 3.66 3.94 4.24 4.57

1.77 1.90 2.05 2.20 2.38

0.90 0.97 1.04 1.12 1.21

0.31 0.33 0.36 0.39 0.42

0.29 0.32 0.34 0.37 0.39

45 46 47 48 49

4.92 5.29 5.70 6.14 6.62

2.56 2.75 2.96 3.19 3.44

1.30 1.40 1.51 1.63 1.75

0.45 0.48 0.52 0.56 0.60

0.42 0.45 0.49 0.53 0.57

50 51 52 53 54

7.13 7.13 7.13 7.13 7.13

3.71 3.71 3.71 3.71 3.71

1.89 1.89 1.89 1.89 1.89

0.65 0.65 0.65 0.65 0.65

0.61 0.61 0.61 0.61 0.61

55 56 57 58 59

COVERAGE TERMINATES AT EARLIEST OF: 1. End of premium paying period 2. Proposer's attained age 60 3. Insured's attained age 25

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 01/01/2020

RATES FOR PLAN J - 20-YEAR PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

FEMALE $15,000 TO $50,000

AGE 0 1 2 3 4

SEMIQUARANNUAL ANNUAL TERLY 9.75 5.07 2.58 5.11 2.60 9.83 5.16 2.63 9.92 5.22 2.66 10.03 5.27 2.69 10.14

EXTRA FOR WAIVER OF PREMIUM

MONTHLY

BANK DRAFT

0.88 0.89 0.90 0.91 0.92

0.83 0.84 0.85 0.86 0.87

SEMIQUARANNUAL ANNUAL TERLY 0.79 0.41 0.21 0.82 0.43 0.22 0.85 0.44 0.23 0.89 0.46 0.24 0.92 0.48 0.24

MONTHLY

BANK DRAFT

0.08 0.08 0.08 0.09 0.09

0.07 0.07 0.08 0.08 0.08

AGE 20 21 22 23 24

5 6 7 8 9

10.26 10.39 10.52 10.66 10.81

5.34 5.40 5.47 5.54 5.62

2.72 2.75 2.79 2.82 2.86

0.93 0.94 0.95 0.96 0.98

0.88 0.89 0.90 0.91 0.92

0.96 1.00 1.05 1.11 1.16

0.50 0.52 0.55 0.58 0.60

0.25 0.27 0.28 0.29 0.31

0.09 0.09 0.10 0.10 0.11

0.09 0.09 0.09 0.10 0.10

25 26 27 28 29

10 11 12 13 14

10.96 11.12 11.29 11.46 11.64

5.70 5.78 5.87 5.96 6.05

2.90 2.95 2.99 3.04 3.08

0.99 1.01 1.02 1.04 1.05

0.94 0.95 0.96 0.98 0.99

1.23 1.30 1.37 1.46 1.55

0.64 0.68 0.71 0.76 0.81

0.33 0.34 0.36 0.39 0.41

0.12 0.12 0.13 0.14 0.14

0.11 0.12 0.12 0.13 0.14

30 31 32 33 34

15 16 17

11.82 12.03 12.24

6.15 6.26 6.36

3.13 3.19 3.24

1.07 1.09 1.11

1.01 1.03 1.05

1.65 1.76 1.89 2.02 2.17

0.86 0.92 0.98 1.05 1.13

0.44 0.47 0.50 0.54 0.58

0.15 0.16 0.18 0.19 0.20

0.15 0.15 0.17 0.18 0.19

35 36 37 38 39

2.33 2.51 2.71 2.93 3.15

1.21 1.31 1.41 1.52 1.64

0.62 0.67 0.72 0.78 0.83

0.21 0.23 0.25 0.27 0.29

0.20 0.22 0.24 0.25 0.27

40 41 42 43 44

3.40 3.66 3.94 4.24 4.57

1.77 1.90 2.05 2.20 2.38

0.90 0.97 1.04 1.12 1.21

0.31 0.33 0.36 0.39 0.42

0.29 0.32 0.34 0.37 0.39

45 46 47 48 49

4.92 5.29 5.70 6.14 6.62

2.56 2.75 2.96 3.19 3.44

1.30 1.40 1.51 1.63 1.75

0.45 0.48 0.52 0.56 0.60

0.42 0.45 0.49 0.53 0.57

50 51 52 53 54

7.13 7.13 7.13 7.13 7.13

3.71 3.71 3.71 3.71 3.71

1.89 1.89 1.89 1.89 1.89

0.65 0.65 0.65 0.65 0.65

0.61 0.61 0.61 0.61 0.61

55 56 57 58 59

COVERAGE TERMINATES AT EARLIEST OF: 1. End of premium paying period 2. Proposer's attained age 60 3. Insured's attained age 25

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 01/01/2020

20-YEAR LIMITED PAY WHOLE LIFE - ADULT PLAN H ISSUE AGES: 18-70 MINIMUM $10,000 - MAXIMUM $249,999 PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft RIDERS AVAILABLE Insurability Protection Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-FORFEITURE OPTIONS Reduced Paid-Up Whole Life Insurance Surrender for Cash Value Automatic Premium Loan (APL)

Back to Table of Contents

PRODUCTS & RATES SECTION

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

MALE NON-TOBACCO

AGE 18 19

$10,000 TO $24,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 13.51 7.03 3.58 1.22 13.69 7.12 3.63 1.24

BANK DRAFT 1.15 1.17

$25,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 10.17 5.29 2.70 0.92 10.36 5.39 2.75 0.94

BANK DRAFT 0.87 0.89

AGE 18 19

20 21 22 23 24

13.87 14.05 14.23 14.40 14.58

7.21 7.31 7.40 7.49 7.58

3.68 3.72 3.77 3.82 3.86

1.25 1.27 1.29 1.30 1.32

1.18 1.20 1.21 1.23 1.24

10.54 10.73 10.92 11.11 11.34

5.48 5.58 5.68 5.78 5.90

2.79 2.84 2.89 2.94 3.01

0.95 0.97 0.99 1.00 1.03

0.90 0.92 0.93 0.95 0.97

20 21 22 23 24

25 26 27 28 29

14.76 14.94 15.12 15.30 15.71

7.68 7.77 7.86 7.96 8.17

3.91 3.96 4.01 4.05 4.16

1.33 1.35 1.37 1.38 1.42

1.26 1.27 1.29 1.31 1.34

11.70 12.09 12.46 12.83 13.21

6.08 6.29 6.48 6.67 6.87

3.10 3.20 3.30 3.40 3.50

1.06 1.09 1.13 1.16 1.19

1.00 1.03 1.06 1.10 1.13

25 26 27 28 29

30 31 32 33 34

16.13 16.58 17.05 17.54 18.05

8.39 8.62 8.87 9.12 9.39

4.27 4.39 4.52 4.65 4.78

1.46 1.50 1.54 1.58 1.63

1.38 1.41 1.45 1.50 1.54

13.61 14.07 14.54 15.03 15.54

7.08 7.32 7.56 7.82 8.08

3.61 3.73 3.85 3.98 4.12

1.23 1.27 1.31 1.36 1.40

1.16 1.20 1.24 1.28 1.33

30 31 32 33 34

35 36 37 38 39

18.59 19.16 19.76 20.39 21.05

9.67 9.96 10.28 10.60 10.95

4.93 5.08 5.24 5.40 5.58

1.68 1.73 1.78 1.84 1.90

1.59 1.63 1.68 1.74 1.79

15.99 16.57 17.17 17.81 18.48

8.31 8.62 8.93 9.26 9.61

4.24 4.39 4.55 4.72 4.90

1.44 1.50 1.55 1.61 1.67

1.36 1.41 1.46 1.52 1.58

35 36 37 38 39

40 41 42 43 44

21.75 22.48 23.24 24.04 24.89

11.31 11.69 12.08 12.50 12.94

5.76 5.96 6.16 6.37 6.60

1.96 2.03 2.10 2.17 2.25

1.85 1.92 1.98 2.05 2.12

19.19 19.93 20.70 21.52 22.37

9.98 10.36 10.76 11.19 11.63

5.09 5.28 5.49 5.70 5.93

1.73 1.80 1.87 1.94 2.02

1.64 1.70 1.76 1.83 1.91

40 41 42 43 44

45 46 47 48 49

25.77 26.68 27.64 28.64 29.70

13.40 13.87 14.37 14.89 15.44

6.83 7.07 7.32 7.59 7.87

2.32 2.41 2.49 2.58 2.68

2.20 2.27 2.35 2.44 2.53

23.25 24.18 25.15 26.16 27.22

12.09 12.57 13.08 13.60 14.15

6.16 6.41 6.66 6.93 7.21

2.10 2.18 2.27 2.36 2.45

1.98 2.06 2.14 2.23 2.32

45 46 47 48 49

50 51 52 53 54

31.60 32.75 33.96 35.24 36.57

16.43 17.03 17.66 18.32 19.02

8.37 8.68 9.00 9.34 9.69

2.85 2.95 3.06 3.18 3.30

2.69 2.79 2.89 3.00 3.11

29.30 30.48 31.72 33.02 34.38

15.24 15.85 16.49 17.17 17.88

7.76 8.08 8.41 8.75 9.11

2.64 2.75 2.86 2.98 3.10

2.50 2.60 2.70 2.81 2.93

50 51 52 53 54

55 56 57 58 59

37.97 39.44 40.97 42.58 44.27

19.74 20.51 21.30 22.14 23.02

10.06 10.45 10.86 11.28 11.73

3.42 3.55 3.69 3.84 3.99

3.23 3.36 3.49 3.62 3.77

35.80 37.29 38.84 40.47 42.19

18.62 19.39 20.20 21.04 21.94

9.49 9.88 10.29 10.72 11.18

3.23 3.36 3.50 3.65 3.80

3.05 3.17 3.31 3.44 3.59

55 56 57 58 59

60 61 62 63 64

46.06 47.96 49.95 52.07 54.31

23.95 24.94 25.97 27.08 28.24

12.21 12.71 13.24 13.80 14.39

4.15 4.32 4.50 4.69 4.89

3.92 4.08 4.25 4.43 4.62

44.00 45.91 47.93 50.06 52.32

22.88 23.87 24.92 26.03 27.21

11.66 12.17 12.70 13.27 13.86

3.96 4.14 4.32 4.51 4.71

3.74 3.91 4.08 4.26 4.45

60 61 62 63 64

65 66 67 68 69

56.70 59.25 61.99 64.99 68.23

29.48 30.81 32.23 33.79 35.48

15.03 15.70 16.43 17.22 18.08

5.11 5.34 5.58 5.85 6.15

4.82 5.04 5.27 5.53 5.80

54.72 57.28 60.04 63.04 66.29

28.45 29.79 31.22 32.78 34.47

14.50 15.18 15.91 16.71 17.57

4.93 5.16 5.41 5.68 5.97

4.66 4.87 5.11 5.36 5.64

65 66 67 68 69

70

71.74

37.30

19.01

6.46

6.10

69.80

36.30

18.50

6.29

5.94

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand Policy Fee: $60.00 (not included)

MALE NON-TOBACCO

AGE 18 19

$100,000 TO $250,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 9.42 4.90 2.50 0.85 9.70 5.04 2.57 0.88

BANK DRAFT 0.81 0.83

20 21 22 23 24

9.95 10.25 10.57 10.90 11.25

5.17 5.33 5.50 5.67 5.85

2.64 2.72 2.80 2.89 2.98

0.90 0.93 0.96 0.99 1.02

0.85 0.88 0.90 0.93 0.96

25 26 27 28 29

11.55 11.92 12.34 12.73 13.16

6.01 6.20 6.42 6.62 6.84

3.06 3.16 3.27 3.37 3.49

1.04 1.08 1.12 1.15 1.19

0.99 1.02 1.05 1.09 1.12

30 31 32 33 34

13.56 14.02 14.49 14.98 15.49

7.05 7.29 7.53 7.79 8.05

3.59 3.72 3.84 3.97 4.10

1.23 1.27 1.31 1.35 1.40

1.16 1.20 1.24 1.28 1.32

35 36 37 38 39

15.96 16.48 17.00 17.54 18.06

8.30 8.57 8.84 9.12 9.39

4.23 4.37 4.51 4.65 4.79

1.44 1.49 1.53 1.58 1.63

1.36 1.41 1.45 1.50 1.54

40 41 42 43 44

18.63 19.22 19.82 20.45 21.10

9.69 9.99 10.31 10.63 10.97

4.94 5.09 5.25 5.42 5.59

1.68 1.73 1.79 1.85 1.90

1.59 1.64 1.69 1.74 1.80

45 46 47 48 49

21.77 22.60 23.57 24.59 25.65

11.32 11.75 12.26 12.79 13.34

5.77 5.99 6.25 6.52 6.80

1.96 2.04 2.13 2.22 2.31

1.86 1.93 2.01 2.10 2.19

50 51 52 53 54

27.85 29.05 30.30 31.61 32.99

14.48 15.11 15.76 16.44 17.15

7.38 7.70 8.03 8.38 8.74

2.51 2.62 2.73 2.85 2.97

2.37 2.47 2.58 2.69 2.81

55 56 57 58 59

34.43 35.93 37.50 39.15 40.88

17.90 18.68 19.50 20.36 21.26

9.12 9.52 9.94 10.37 10.83

3.10 3.24 3.38 3.53 3.68

2.93 3.06 3.19 3.33 3.48

60 61 62 63 64

42.70 44.62 46.65 48.79 51.06

22.20 23.20 24.26 25.37 26.55

11.32 11.82 12.36 12.93 13.53

3.85 4.02 4.20 4.40 4.60

3.63 3.80 3.97 4.15 4.35

65 66 67 68 69

53.47 56.04 58.80 61.81 65.06

27.80 29.14 30.58 32.14 33.83

14.17 14.85 15.58 16.38 17.24

4.82 5.05 5.30 5.57 5.86

4.55 4.77 5.00 5.26 5.54

70

68.58

35.66

18.17

6.18

5.83

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

MALE TOBACCO

AGE 18 19

$10,000 TO $24,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 15.00 7.80 3.98 1.35 15.07 7.84 3.99 1.36

BANK DRAFT 1.28 1.29

$25,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 11.86 6.17 3.14 1.07 12.23 6.36 3.24 1.11

BANK DRAFT 1.01 1.04

AGE 18 19

20 21 22 23 24

15.14 15.50 15.87 16.25 16.66

7.87 8.06 8.25 8.45 8.66

4.01 4.11 4.21 4.31 4.41

1.37 1.40 1.43 1.47 1.50

1.29 1.32 1.35 1.39 1.42

12.62 13.02 13.43 13.85 14.28

6.56 6.77 6.98 7.20 7.43

3.34 3.45 3.56 3.67 3.78

1.14 1.18 1.21 1.25 1.29

1.08 1.11 1.15 1.18 1.22

20 21 22 23 24

25 26 27 28 29

17.08 17.54 18.02 18.52 19.04

8.88 9.12 9.37 9.63 9.90

4.53 4.65 4.78 4.91 5.05

1.54 1.58 1.63 1.67 1.72

1.46 1.50 1.54 1.58 1.62

14.71 15.17 15.64 16.03 16.57

7.65 7.89 8.13 8.34 8.62

3.90 4.02 4.14 4.25 4.39

1.33 1.37 1.41 1.45 1.50

1.26 1.29 1.33 1.37 1.41

25 26 27 28 29

30 31 32 33 34

19.59 20.17 20.78 21.42 22.09

10.19 10.49 10.81 11.14 11.49

5.19 5.35 5.51 5.68 5.85

1.77 1.82 1.88 1.93 1.99

1.67 1.72 1.77 1.83 1.88

17.05 17.64 18.26 18.91 19.59

8.87 9.17 9.50 9.83 10.19

4.52 4.67 4.84 5.01 5.19

1.54 1.59 1.65 1.71 1.77

1.45 1.50 1.56 1.61 1.67

30 31 32 33 34

35 36 37 38 39

22.79 23.52 24.28 25.08 25.90

11.85 12.23 12.63 13.04 13.47

6.04 6.23 6.43 6.65 6.86

2.06 2.12 2.19 2.26 2.34

1.94 2.00 2.07 2.14 2.21

20.29 21.03 21.80 22.60 23.43

10.55 10.94 11.34 11.75 12.18

5.38 5.57 5.78 5.99 6.21

1.83 1.90 1.97 2.04 2.11

1.73 1.79 1.86 1.93 2.00

35 36 37 38 39

40 41 42 43 44

26.76 27.67 28.62 29.62 30.66

13.92 14.39 14.88 15.40 15.94

7.09 7.33 7.58 7.85 8.12

2.41 2.50 2.58 2.67 2.76

2.28 2.36 2.44 2.52 2.61

24.30 25.22 26.17 27.18 28.22

12.64 13.11 13.61 14.13 14.67

6.44 6.68 6.94 7.20 7.48

2.19 2.27 2.36 2.45 2.54

2.07 2.15 2.23 2.32 2.40

40 41 42 43 44

45 46 47 48 49

31.74 32.85 34.02 35.23 36.51

16.50 17.08 17.69 18.32 18.99

8.41 8.71 9.02 9.34 9.68

2.86 2.96 3.07 3.18 3.29

2.70 2.80 2.90 3.00 3.11

29.31 30.43 31.60 32.81 34.10

15.24 15.82 16.43 17.06 17.73

7.77 8.06 8.37 8.69 9.04

2.64 2.74 2.85 2.96 3.07

2.50 2.59 2.69 2.79 2.90

45 46 47 48 49

50 51 52 53 54

38.50 39.89 41.35 42.88 44.46

20.02 20.74 21.50 22.30 23.12

10.20 10.57 10.96 11.36 11.78

3.47 3.60 3.73 3.86 4.01

3.28 3.40 3.52 3.65 3.78

36.29 37.71 39.19 40.74 42.34

18.87 19.61 20.38 21.18 22.02

9.62 9.99 10.39 10.80 11.22

3.27 3.40 3.53 3.67 3.82

3.09 3.21 3.34 3.47 3.60

50 51 52 53 54

55 56 57 58 59

46.11 47.81 49.58 51.42 53.36

23.98 24.86 25.78 26.74 27.75

12.22 12.67 13.14 13.63 14.14

4.15 4.31 4.47 4.63 4.81

3.92 4.07 4.22 4.38 4.54

44.01 45.73 47.51 49.37 51.32

22.89 23.78 24.71 25.67 26.69

11.66 12.12 12.59 13.08 13.60

3.97 4.12 4.28 4.45 4.62

3.75 3.89 4.04 4.20 4.37

55 56 57 58 59

60 61 62 63 64

55.39 57.57 59.86 62.25 64.76

28.80 29.94 31.13 32.37 33.68

14.68 15.26 15.86 16.50 17.16

4.99 5.19 5.39 5.61 5.83

4.71 4.90 5.09 5.30 5.51

53.37 55.56 57.86 60.26 62.78

27.75 28.89 30.09 31.34 32.65

14.14 14.72 15.33 15.97 16.64

4.81 5.01 5.21 5.43 5.66

4.54 4.73 4.92 5.13 5.34

60 61 62 63 64

65 66 67 68 69

67.41 70.23 73.25 76.50 80.01

35.05 36.52 38.09 39.78 41.61

17.86 18.61 19.41 20.27 21.20

6.07 6.33 6.60 6.89 7.21

5.73 5.97 6.23 6.51 6.81

65.44 68.26 71.29 74.54 78.05

34.03 35.50 37.07 38.76 40.59

17.34 18.09 18.89 19.75 20.68

5.89 6.15 6.42 6.71 7.03

5.57 5.81 6.06 6.34 6.64

65 66 67 68 69

70

83.83

43.59

22.21

7.55

7.13

81.86

42.57

21.69

7.37

6.96

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

MALE TOBACCO

AGE 18 19

$100,000 TO $250,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 11.71 6.09 3.10 1.06 12.08 6.28 3.20 1.09

BANK DRAFT 1.00 1.03

20 21 22 23 24

12.46 12.85 13.25 13.67 14.10

6.48 6.68 6.89 7.11 7.33

3.30 3.41 3.51 3.62 3.74

1.13 1.16 1.20 1.24 1.27

1.06 1.10 1.13 1.17 1.20

25 26 27 28 29

14.53 14.99 15.45 15.98 16.52

7.56 7.79 8.03 8.31 8.59

3.85 3.97 4.09 4.23 4.38

1.31 1.35 1.40 1.44 1.49

1.24 1.28 1.32 1.36 1.41

30 31 32 33 34

17.03 17.56 18.16 18.72 19.36

8.86 9.13 9.44 9.73 10.07

4.51 4.65 4.81 4.96 5.13

1.54 1.59 1.64 1.69 1.75

1.45 1.50 1.55 1.60 1.65

35 36 37 38 39

20.02 20.63 21.31 22.00 22.72

10.41 10.73 11.08 11.44 11.81

5.31 5.47 5.65 5.83 6.02

1.81 1.86 1.92 1.98 2.05

1.71 1.76 1.82 1.87 1.94

40 41 42 43 44

23.44 24.19 24.96 25.76 26.69

12.19 12.58 12.98 13.40 13.88

6.21 6.41 6.61 6.83 7.07

2.11 2.18 2.25 2.32 2.41

2.00 2.06 2.13 2.19 2.27

45 46 47 48 49

27.77 28.90 30.07 31.29 32.57

14.44 15.03 15.64 16.27 16.94

7.36 7.66 7.97 8.29 8.63

2.50 2.61 2.71 2.82 2.94

2.37 2.46 2.56 2.66 2.77

50 51 52 53 54

34.90 36.33 37.83 39.39 41.00

18.15 18.89 19.67 20.48 21.32

9.25 9.63 10.02 10.44 10.87

3.15 3.27 3.41 3.55 3.69

2.97 3.09 3.22 3.35 3.49

55 56 57 58 59

42.68 44.41 46.21 48.08 50.04

22.19 23.09 24.03 25.00 26.02

11.31 11.77 12.25 12.74 13.26

3.85 4.00 4.16 4.33 4.51

3.63 3.78 3.93 4.09 4.26

60 61 62 63 64

52.09 54.29 56.59 59.00 61.53

27.09 28.23 29.43 30.68 32.00

13.80 14.39 15.00 15.64 16.31

4.69 4.89 5.10 5.31 5.54

4.43 4.62 4.82 5.02 5.24

65 66 67 68 69

64.19 67.02 70.05 73.30 76.82

33.38 34.85 36.43 38.12 39.95

17.01 17.76 18.56 19.42 20.36

5.78 6.04 6.31 6.60 6.92

5.46 5.70 5.96 6.24 6.53

70

80.62

41.92

21.36

7.26

6.86

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

FEMALE NON-TOBACCO

AGE 18 19

$10,000 TO $24,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 12.40 6.45 3.29 1.12 12.56 6.53 3.33 1.14

BANK DRAFT 1.06 1.07

$25,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 8.99 4.67 2.38 0.81 9.17 4.77 2.43 0.83

BANK DRAFT 0.77 0.78

AGE 18 19

20 21 22 23 24

12.72 12.88 13.04 13.21 13.37

6.61 6.70 6.78 6.87 6.95

3.37 3.41 3.46 3.50 3.54

1.15 1.16 1.18 1.19 1.21

1.09 1.10 1.11 1.13 1.14

9.34 9.52 9.70 9.88 10.10

4.86 4.95 5.04 5.14 5.25

2.48 2.52 2.57 2.62 2.68

0.85 0.86 0.88 0.89 0.91

0.80 0.81 0.83 0.84 0.86

20 21 22 23 24

25 26 27 28 29

13.53 13.69 13.85 14.01 14.37

7.04 7.12 7.20 7.29 7.47

3.59 3.63 3.67 3.71 3.81

1.22 1.24 1.25 1.27 1.30

1.16 1.17 1.18 1.20 1.23

10.41 10.75 11.09 11.44 11.79

5.41 5.59 5.77 5.95 6.13

2.76 2.85 2.94 3.03 3.12

0.94 0.97 1.00 1.03 1.07

0.89 0.92 0.95 0.98 1.01

25 26 27 28 29

30 31 32 33 34

14.76 15.16 15.58 16.01 16.47

7.68 7.88 8.10 8.33 8.56

3.91 4.02 4.13 4.24 4.36

1.33 1.37 1.41 1.45 1.49

1.26 1.29 1.33 1.37 1.40

12.18 12.60 12.99 13.44 13.86

6.33 6.55 6.75 6.99 7.21

3.23 3.34 3.44 3.56 3.67

1.10 1.14 1.17 1.21 1.25

1.04 1.08 1.11 1.15 1.18

30 31 32 33 34

35 36 37 38 39

16.95 17.46 17.99 18.55 19.14

8.81 9.08 9.35 9.65 9.95

4.49 4.63 4.77 4.92 5.07

1.53 1.58 1.62 1.67 1.73

1.45 1.49 1.53 1.58 1.63

14.27 14.79 15.33 15.90 16.50

7.42 7.69 7.97 8.27 8.58

3.78 3.92 4.06 4.21 4.37

1.29 1.34 1.38 1.44 1.49

1.22 1.26 1.31 1.36 1.41

35 36 37 38 39

40 41 42 43 44

19.76 20.41 21.10 21.81 22.57

10.28 10.61 10.97 11.34 11.74

5.24 5.41 5.59 5.78 5.98

1.78 1.84 1.90 1.97 2.04

1.68 1.74 1.80 1.86 1.92

17.12 17.78 18.48 19.21 19.97

8.90 9.25 9.61 9.99 10.38

4.54 4.71 4.90 5.09 5.29

1.55 1.61 1.67 1.73 1.80

1.46 1.52 1.58 1.64 1.70

40 41 42 43 44

45 46 47 48 49

23.35 24.16 25.00 25.88 26.79

12.14 12.56 13.00 13.46 13.93

6.19 6.40 6.63 6.86 7.10

2.11 2.18 2.25 2.33 2.42

1.99 2.06 2.13 2.20 2.28

20.75 21.58 22.43 23.31 24.23

10.79 11.22 11.66 12.12 12.60

5.50 5.72 5.94 6.18 6.42

1.87 1.95 2.02 2.10 2.19

1.77 1.84 1.91 1.99 2.06

45 46 47 48 49

50 51 52 53 54

28.28 29.24 30.23 31.25 32.32

14.71 15.20 15.72 16.25 16.81

7.49 7.75 8.01 8.28 8.56

2.55 2.64 2.73 2.82 2.91

2.41 2.49 2.57 2.66 2.75

25.88 26.86 27.87 28.93 30.02

13.46 13.97 14.49 15.04 15.61

6.86 7.12 7.39 7.67 7.96

2.33 2.42 2.51 2.61 2.71

2.20 2.29 2.37 2.46 2.56

50 51 52 53 54

55 56 57 58 59

33.44 34.60 35.81 37.07 38.38

17.39 17.99 18.62 19.28 19.96

8.86 9.17 9.49 9.82 10.17

3.01 3.12 3.23 3.34 3.46

2.85 2.95 3.05 3.16 3.27

31.16 32.35 33.58 34.87 36.21

16.20 16.82 17.46 18.13 18.83

8.26 8.57 8.90 9.24 9.60

2.81 2.92 3.03 3.14 3.26

2.65 2.75 2.86 2.97 3.08

55 56 57 58 59

60 61 62 63 64

39.76 41.21 42.73 44.34 46.04

20.68 21.43 22.22 23.06 23.94

10.54 10.92 11.32 11.75 12.20

3.58 3.71 3.85 4.00 4.15

3.38 3.51 3.64 3.77 3.92

37.61 39.08 40.63 42.26 43.98

19.56 20.32 21.13 21.98 22.87

9.97 10.36 10.77 11.20 11.65

3.39 3.52 3.66 3.81 3.96

3.20 3.33 3.46 3.60 3.74

60 61 62 63 64

65 66 67 68 69

47.84 49.76 51.79 53.96 56.27

24.88 25.88 26.93 28.06 29.26

12.68 13.19 13.72 14.30 14.91

4.31 4.48 4.67 4.86 5.07

4.07 4.23 4.41 4.59 4.79

45.80 47.73 49.78 51.97 54.29

23.82 24.82 25.89 27.02 28.23

12.14 12.65 13.19 13.77 14.39

4.13 4.30 4.49 4.68 4.89

3.90 4.06 4.24 4.42 4.62

65 66 67 68 69

70

58.76

30.56

15.57

5.29

5.00

56.80

29.54

15.05

5.12

4.83

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

FEMALE NON-TOBACCO

AGE 18 19

$100,000 TO $250,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 8.22 4.27 2.18 0.74 8.49 4.41 2.25 0.77

BANK DRAFT 0.70 0.73

20 21 22 23 24

8.76 9.04 9.33 9.63 9.95

4.56 4.70 4.85 5.01 5.17

2.32 2.40 2.47 2.55 2.64

0.79 0.82 0.84 0.87 0.90

0.75 0.77 0.80 0.82 0.85

25 26 27 28 29

10.27 10.65 11.00 11.35 11.71

5.34 5.54 5.72 5.90 6.09

2.72 2.82 2.92 3.01 3.10

0.93 0.96 0.99 1.03 1.06

0.88 0.91 0.94 0.97 1.00

30 31 32 33 34

12.13 12.55 12.94 13.39 13.81

6.31 6.53 6.73 6.96 7.18

3.21 3.33 3.43 3.55 3.66

1.10 1.13 1.17 1.21 1.25

1.04 1.07 1.10 1.14 1.18

35 36 37 38 39

14.25 14.70 15.17 15.67 16.14

7.41 7.64 7.89 8.15 8.39

3.78 3.90 4.02 4.15 4.28

1.29 1.33 1.37 1.42 1.46

1.22 1.25 1.29 1.34 1.38

40 41 42 43 44

16.68 17.19 17.73 18.35 18.91

8.67 8.94 9.22 9.54 9.83

4.42 4.56 4.70 4.86 5.01

1.51 1.55 1.60 1.66 1.71

1.42 1.47 1.51 1.56 1.61

45 46 47 48 49

19.54 20.19 20.87 21.69 22.62

10.16 10.50 10.85 11.28 11.76

5.18 5.35 5.53 5.75 5.99

1.76 1.82 1.88 1.96 2.04

1.67 1.72 1.78 1.85 1.93

50 51 52 53 54

24.36 25.36 26.39 27.46 28.57

12.67 13.19 13.72 14.28 14.86

6.46 6.72 6.99 7.28 7.57

2.20 2.29 2.38 2.48 2.58

2.08 2.16 2.25 2.34 2.43

55 56 57 58 59

29.73 30.93 32.18 33.48 34.84

15.46 16.08 16.73 17.41 18.12

7.88 8.20 8.53 8.87 9.23

2.68 2.79 2.90 3.02 3.14

2.53 2.63 2.74 2.85 2.97

60 61 62 63 64

36.26 37.74 39.30 40.94 42.68

18.86 19.62 20.44 21.29 22.19

9.61 10.00 10.41 10.85 11.31

3.27 3.40 3.54 3.69 3.85

3.09 3.21 3.35 3.48 3.63

65 66 67 68 69

44.51 46.46 48.52 50.71 53.05

23.15 24.16 25.23 26.37 27.59

11.80 12.31 12.86 13.44 14.06

4.01 4.19 4.37 4.57 4.78

3.79 3.95 4.13 4.32 4.51

70

55.56

28.89

14.72

5.01

4.73

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

FEMALE TOBACCO

AGE 18 19

$10,000 TO $24,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 13.93 7.24 3.69 1.26 13.97 7.26 3.70 1.26

BANK DRAFT 1.19 1.19

$25,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 10.63 5.53 2.82 0.96 10.98 5.71 2.91 0.99

BANK DRAFT 0.91 0.94

AGE 18 19

20 21 22 23 24

14.02 14.13 14.48 14.85 15.23

7.29 7.35 7.53 7.72 7.92

3.72 3.74 3.84 3.94 4.04

1.27 1.28 1.31 1.34 1.38

1.20 1.21 1.24 1.27 1.30

11.34 11.71 12.09 12.49 12.91

5.90 6.09 6.29 6.49 6.71

3.01 3.10 3.20 3.31 3.42

1.03 1.06 1.09 1.13 1.17

0.97 1.00 1.03 1.07 1.10

20 21 22 23 24

25 26 27 28 29

15.64 16.08 16.55 17.03 17.52

8.13 8.36 8.61 8.86 9.11

4.14 4.26 4.39 4.51 4.64

1.41 1.45 1.49 1.54 1.58

1.33 1.37 1.41 1.45 1.49

13.34 13.80 14.26 14.74 15.22

6.94 7.18 7.42 7.66 7.91

3.54 3.66 3.78 3.91 4.03

1.21 1.25 1.29 1.33 1.37

1.14 1.18 1.22 1.26 1.30

25 26 27 28 29

30 31 32 33 34

18.04 18.58 19.14 19.72 20.33

9.38 9.66 9.95 10.25 10.57

4.78 4.92 5.07 5.23 5.39

1.63 1.68 1.73 1.78 1.83

1.54 1.58 1.63 1.68 1.73

15.70 16.10 16.66 17.15 17.76

8.16 8.37 8.66 8.92 9.24

4.16 4.27 4.41 4.54 4.71

1.42 1.45 1.50 1.55 1.60

1.34 1.37 1.42 1.46 1.51

30 31 32 33 34

35 36 37 38 39

20.96 21.62 22.32 23.05 23.82

10.90 11.24 11.61 11.99 12.39

5.55 5.73 5.91 6.11 6.31

1.89 1.95 2.01 2.08 2.15

1.79 1.84 1.90 1.96 2.03

18.41 19.08 19.78 20.52 21.30

9.57 9.92 10.29 10.67 11.08

4.88 5.06 5.24 5.44 5.64

1.66 1.72 1.79 1.85 1.92

1.57 1.63 1.69 1.75 1.82

35 36 37 38 39

40 41 42 43 44

24.63 25.48 26.38 27.31 28.27

12.81 13.25 13.72 14.20 14.70

6.53 6.75 6.99 7.24 7.49

2.22 2.30 2.38 2.46 2.55

2.10 2.17 2.25 2.33 2.41

22.12 22.97 23.87 24.81 25.78

11.50 11.94 12.41 12.90 13.41

5.86 6.09 6.33 6.57 6.83

2.00 2.07 2.15 2.24 2.33

1.89 1.96 2.03 2.11 2.20

40 41 42 43 44

45 46 47 48 49

29.28 30.32 31.41 32.53 33.69

15.23 15.77 16.33 16.92 17.52

7.76 8.03 8.32 8.62 8.93

2.64 2.73 2.83 2.93 3.04

2.49 2.58 2.67 2.77 2.87

26.79 27.84 28.93 30.06 31.22

13.93 14.48 15.04 15.63 16.23

7.10 7.38 7.67 7.97 8.27

2.42 2.51 2.61 2.71 2.81

2.28 2.37 2.46 2.56 2.66

45 46 47 48 49

50 51 52 53 54

35.34 36.55 37.79 39.08 40.41

18.38 19.01 19.65 20.32 21.01

9.37 9.69 10.01 10.36 10.71

3.19 3.29 3.41 3.52 3.64

3.01 3.11 3.22 3.33 3.44

33.07 34.30 35.56 36.87 38.22

17.20 17.84 18.49 19.17 19.87

8.76 9.09 9.42 9.77 10.13

2.98 3.09 3.21 3.32 3.44

2.82 2.92 3.03 3.14 3.25

50 51 52 53 54

55 56 57 58 59

41.78 43.20 44.68 46.22 47.82

21.73 22.46 23.23 24.03 24.87

11.07 11.45 11.84 12.25 12.67

3.77 3.89 4.03 4.16 4.31

3.56 3.68 3.80 3.93 4.07

39.61 41.06 42.55 44.11 45.73

20.60 21.35 22.13 22.94 23.78

10.50 10.88 11.28 11.69 12.12

3.57 3.70 3.83 3.97 4.12

3.37 3.50 3.62 3.75 3.89

55 56 57 58 59

60 61 62 63 64

49.49 51.25 53.10 55.07 57.18

25.73 26.65 27.61 28.64 29.73

13.11 13.58 14.07 14.59 15.15

4.46 4.62 4.78 4.96 5.15

4.21 4.36 4.52 4.69 4.87

47.42 49.19 51.06 53.05 55.17

24.66 25.58 26.55 27.59 28.69

12.57 13.04 13.53 14.06 14.62

4.27 4.43 4.60 4.78 4.97

4.04 4.19 4.35 4.51 4.69

60 61 62 63 64

65 66 67 68 69

59.42 61.80 64.34 67.04 69.93

30.90 32.14 33.46 34.86 36.36

15.75 16.38 17.05 17.77 18.53

5.35 5.57 5.80 6.04 6.30

5.06 5.26 5.47 5.70 5.95

57.42 59.81 62.36 65.07 67.96

29.86 31.10 32.43 33.84 35.34

15.22 15.85 16.53 17.24 18.01

5.17 5.39 5.62 5.86 6.12

4.89 5.09 5.31 5.54 5.78

65 66 67 68 69

70

73.01

37.97

19.35

6.58

6.21

71.04

36.94

18.83

6.40

6.04

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN H - 20-YEAR LIMITED PAYMENT LIFE Note: Rate amounts are per thousand.

Policy Fee: $60.00 (not included)

FEMALE TOBACCO

AGE 18 19

$100,000 TO $250,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 10.45 5.43 2.77 0.95 10.80 5.62 2.86 0.98

BANK DRAFT 0.89 0.92

20 21 22 23 24

11.16 11.53 11.91 12.31 12.73

5.80 6.00 6.19 6.40 6.62

2.96 3.06 3.16 3.26 3.37

1.01 1.04 1.08 1.11 1.15

0.95 0.99 1.02 1.05 1.09

25 26 27 28 29

13.16 13.60 14.06 14.53 15.01

6.84 7.07 7.31 7.56 7.81

3.49 3.60 3.73 3.85 3.98

1.19 1.23 1.27 1.31 1.36

1.12 1.16 1.20 1.24 1.28

30 31 32 33 34

15.50 16.05 16.61 17.14 17.74

8.06 8.35 8.64 8.91 9.22

4.11 4.25 4.40 4.54 4.70

1.40 1.45 1.50 1.55 1.60

1.32 1.37 1.42 1.46 1.51

35 36 37 38 39

18.35 18.93 19.58 20.17 20.83

9.54 9.84 10.18 10.49 10.83

4.86 5.02 5.19 5.35 5.52

1.66 1.71 1.77 1.82 1.88

1.56 1.61 1.67 1.72 1.78

40 41 42 43 44

21.51 22.21 22.95 23.71 24.51

11.19 11.55 11.93 12.33 12.75

5.70 5.89 6.08 6.28 6.50

1.94 2.00 2.07 2.14 2.21

1.83 1.89 1.96 2.02 2.09

45 46 47 48 49

25.34 26.28 27.37 28.50 29.67

13.18 13.67 14.23 14.82 15.43

6.72 6.96 7.25 7.55 7.86

2.29 2.37 2.47 2.57 2.68

2.16 2.24 2.33 2.43 2.53

50 51 52 53 54

31.63 32.87 34.16 35.48 36.84

16.45 17.09 17.76 18.45 19.16

8.38 8.71 9.05 9.40 9.76

2.85 2.96 3.08 3.20 3.32

2.69 2.80 2.91 3.02 3.14

55 56 57 58 59

38.25 39.70 41.21 42.78 44.41

19.89 20.64 21.43 22.25 23.09

10.14 10.52 10.92 11.34 11.77

3.45 3.58 3.71 3.86 4.00

3.26 3.38 3.51 3.64 3.78

60 61 62 63 64

46.11 47.90 49.77 51.77 53.90

23.98 24.91 25.88 26.92 28.03

12.22 12.69 13.19 13.72 14.28

4.15 4.32 4.48 4.66 4.86

3.92 4.08 4.24 4.41 4.59

65 66 67 68 69

56.16 58.56 61.11 63.82 66.71

29.20 30.45 31.78 33.19 34.69

14.88 15.52 16.19 16.91 17.68

5.06 5.28 5.50 5.75 6.01

4.78 4.98 5.20 5.43 5.68

70

69.80

36.30

18.50

6.29

5.94

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

WAIVER OF PREMIUM RIDER

Note: Rate amounts are per thousand.

PLAN H - 20-YEAR LIMITED PAYMENT LIFE

AGE 18 19

SEMIANNUAL ANNUAL 0.24 0.12 0.25 0.13

MALE QUARTERLY 0.06 0.07

MONTHLY 0.03 0.03

BANK DRAFT 0.03 0.03

FEMALE SEMIQUARANNUAL ANNUAL TERLY MONTHLY 0.34 0.18 0.09 0.04 0.35 0.18 0.09 0.04

BANK DRAFT 0.03 0.03

AGE 18 19

20 21 22 23 24

0.26 0.27 0.27 0.29 0.30

0.14 0.14 0.14 0.15 0.16

0.07 0.07 0.07 0.08 0.08

0.03 0.03 0.03 0.03 0.03

0.03 0.03 0.03 0.03 0.03

0.37 0.38 0.39 0.40 0.42

0.19 0.20 0.20 0.21 0.22

0.10 0.10 0.10 0.11 0.11

0.04 0.04 0.04 0.04 0.04

0.04 0.04 0.04 0.04 0.04

20 21 22 23 24

25 26 27 28 29

0.31 0.31 0.33 0.35 0.36

0.16 0.16 0.17 0.18 0.19

0.08 0.08 0.09 0.09 0.10

0.03 0.03 0.03 0.04 0.04

0.03 0.03 0.03 0.03 0.04

0.43 0.44 0.46 0.49 0.51

0.22 0.23 0.24 0.25 0.27

0.11 0.12 0.12 0.13 0.14

0.04 0.04 0.05 0.05 0.05

0.04 0.04 0.04 0.05 0.05

25 26 27 28 29

30 31 32 33 34

0.38 0.40 0.43 0.46 0.49

0.20 0.21 0.22 0.24 0.25

0.10 0.11 0.11 0.12 0.13

0.04 0.04 0.04 0.05 0.05

0.04 0.04 0.04 0.04 0.05

0.54 0.56 0.60 0.63 0.68

0.28 0.29 0.31 0.33 0.35

0.14 0.15 0.16 0.17 0.18

0.05 0.06 0.06 0.06 0.07

0.05 0.05 0.06 0.06 0.06

30 31 32 33 34

35 36 37 38 39

0.53 0.57 0.62 0.67 0.73

0.28 0.30 0.32 0.35 0.38

0.14 0.15 0.16 0.18 0.19

0.05 0.06 0.06 0.07 0.07

0.05 0.05 0.06 0.06 0.07

0.72 0.78 0.84 0.92 0.99

0.37 0.41 0.44 0.48 0.51

0.19 0.21 0.22 0.24 0.26

0.07 0.08 0.08 0.09 0.09

0.07 0.07 0.08 0.08 0.09

35 36 37 38 39

40 41 42 43 44

0.79 0.88 0.97 1.07 1.16

0.41 0.46 0.50 0.56 0.60

0.21 0.23 0.26 0.28 0.31

0.08 0.08 0.09 0.10 0.11

0.07 0.08 0.09 0.10 0.10

1.07 1.19 1.31 1.43 1.55

0.56 0.62 0.68 0.74 0.81

0.28 0.32 0.35 0.38 0.41

0.10 0.11 0.12 0.13 0.14

0.10 0.11 0.12 0.13 0.14

40 41 42 43 44

45 46 47 48 49

1.27 1.38 1.50 1.61 1.85

0.66 0.72 0.78 0.84 0.96

0.34 0.37 0.40 0.43 0.49

0.12 0.13 0.14 0.15 0.17

0.11 0.12 0.13 0.14 0.16

1.69 1.84 1.98 2.13 2.43

0.88 0.96 1.03 1.11 1.26

0.45 0.49 0.52 0.56 0.64

0.16 0.17 0.18 0.20 0.22

0.15 0.16 0.17 0.19 0.21

45 46 47 48 49

50 51 52 53 54

2.10 2.38 2.68 3.02 3.39

1.09 1.24 1.39 1.57 1.76

0.56 0.63 0.71 0.80 0.90

0.19 0.22 0.25 0.28 0.31

0.18 0.21 0.23 0.26 0.29

2.76 3.11 3.50 3.93 4.40

1.44 1.62 1.82 2.04 2.29

0.73 0.82 0.93 1.04 1.17

0.25 0.28 0.32 0.36 0.40

0.24 0.27 0.30 0.34 0.38

50 51 52 53 54

55 56 57 58 59

3.80 3.80 3.80 3.80 3.80

1.98 1.98 1.98 1.98 1.98

1.01 1.01 1.01 1.01 1.01

0.35 0.35 0.35 0.35 0.35

0.33 0.33 0.33 0.33 0.33

4.92 4.92 4.92 4.92 4.92

2.56 2.56 2.56 2.56 2.56

1.30 1.30 1.30 1.30 1.30

0.45 0.45 0.45 0.45 0.45

0.42 0.42 0.42 0.42 0.42

55 56 57 58 59

Coverage terminates at earliest of: (1) End of premium paying period (2) Proposer's attained age 60

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 01/01/2020

Revised 1/2020

JUNIOR SINGLE PREMIUM LIFE PLAN JSPL ISSUE AGES: 0-17 MINIMUM $15,000 - MAXIMUM $1,000,000 PREMIUM MODE Single Premium NON-FORFEITURE OPTIONS Surrender for Cash Value NOTE: This is a Modified Endowment Contract (MEC).

Surrender or loan may cause tax consequences.

This is a traditional Whole Life product.

Cash value is guaranteed as listed in the contract.

Fully guaranteed death benefit.

Riders are not available for this plan.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 09/01/2020

HSL JUNIOR SINGLE PREMIUM LIFE PLAN Single Premium Plan Rates are shown per 1,000

Rates are shown per 1,000 Rates do not include $60 policy fee Rates do not include $60 policy fee Band 1: 15,000 - 24,999

Band 1: 15,000-24,999

Issue Female Juvenile Age Rate 0 153.85 1 155.43 2 157.16 3 159.01 4 160.98 5 163.04 6 165.20 7 167.45 8 169.80 9 172.26 10 174.83 11 177.50 12 180.29 13 183.18 HSL 14 Single Premium Plan 186.19 15 189.56 Rates are shown per 1,000 16 194.35 Rates do not include $60 policy fee 17 199.26 Band 2: 25,000 - 99,999

Male Juvenile Rate 162.73 164.62 166.73 169.01 171.44 173.99 176.65 179.42 182.29 185.27 188.34 191.50 194.76 199.33 204.19 209.10 214.07 219.12

Band 2: 25,000-99,999 Issue Age 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 Back to Table of Contents

Female Juvenile Rate 125.99 129.18 132.52 135.98 139.55 143.23 147.02 150.92 154.94 159.04 163.20 167.43 171.74 176.17 180.71 185.38 190.17 195.08 PRODUCTS & RATES SECTION

Male Juvenile Rate 139.89 143.34 147.00 150.82 154.79 158.88 163.09 167.43 171.86 176.40 181.03 185.69 190.37 195.15 200.01 204.93 209.90 214.94 Revised 09/01/2020

HSL JUNIOR SINGLE PREMIUM LIFE PLAN Single Premium Plan Rates are shown per 1,000

Rates are shown per 1,000 Rates do not include $60 policy fee Rates do not include $60 policy fee Band 3: 100,000+

Band 3: 100,000+ Issue Age 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17

Female Juvenile Rate 122.95 126.14 129.48 132.94 136.52 140.19 143.98 147.88 151.91 156.01 160.17 164.39 168.70 173.13 177.68 182.34 187.13 192.05

Male Juvenile Rate 136.85 140.30 143.96 147.78 151.75 155.84 160.06 164.39 168.82 173.36 177.99 182.66 187.34 192.11 196.97 201.89 206.86 211.90

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 09/01/2020

SINGLE PREMIUM LIFE PLAN SPL ISSUE AGES: 18-70 MINIMUM $10,000 - MAXIMUM $1,000,000 PREMIUM MODE Single Premium NON-FORFEITURE OPTIONS Surrender for Cash Value NOTE: This is a Modified Endowment Contract (MEC) Surrender or loan may cause tax consequences.

This is a Traditional Whole Life product.

Cash value is guaranteed as listed in the contract.

Fully guaranteed death benefit.

Riders are not available for this plan.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 09/01/2020

SINGLE PREMIUM LIFE (A MODIFIED ENDOWMENT CONTRACT)

GENERAL DESCRIPTION SINGLE PREMIUM LIFE – The Single Premium Life can best be described as an individual, single premium, non-participating traditional Whole Life product. The cash values will remain fixed (see the Table of Guaranteed Values Per $1,000 Face Amount) and the death benefits will be guaranteed.

This contract is considered a Modified Endowment Contract (MEC) which means that the life insurance policy has been funded with more money than allowed under federal tax laws. Early surrenders of cash values prior to age 59½ may cause IRS penalties.

This plan is not interest sensitive and therefore there is no accumulation of the cash value account.

Riders are not available for this plan.

The interest rate on certificate loans will be 8%. There are no surrender charges and no annual statements will be sent to the owner.

Special class pricing (bands) is available for Juniors and Adults.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 09/01/2020

SINGLE PREMIUM LIFE PLAN HSL Single Premium Plan

Rates are shown per 1,000 Rates do not include $60 policy fee

Rates are shown per 1,000 Rates do not include $60 policy fee Band 1: 10,000 - 24,999

Band 1: 10,000-24,999 Issue Age 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

Back to Table of Contents

Female Nonsmoker Rate 195.06 198.62 202.32 206.30 211.53 216.89 222.40 228.05 234.00 240.08 246.29 252.62 259.07 265.65 272.36 279.21 286.22 293.42 300.81 308.42 316.25 324.32 332.62 341.17 349.95 358.98 368.25 377.74 387.47 397.41 407.56 417.90 428.45 439.07 449.91 460.98 472.27 483.78 495.48 507.37 519.43 531.68 544.13 556.78 569.65 582.73 596.02 609.50 623.16 636.98 650.91 665.28 680.40

Female Smoker Rate 230.43 236.34 242.42 248.66 255.08 261.68 268.44 275.38 282.64 290.09 297.68 305.41 313.31 321.33 329.47 337.74 346.16 354.75 363.52 372.49 381.68 391.11 400.76 410.63 420.72 431.05 441.61 452.39 463.38 474.57 485.94 497.47 509.13 520.77 532.49 544.27 556.10 567.96 579.82 591.67 603.49 615.29 627.05 638.78 650.49 662.20 673.92 685.64 697.42 709.25 721.14 734.45 747.98

Male Nonsmoker Rate 210.74 215.36 220.46 225.81 231.35 237.04 242.92 248.96 255.30 261.76 268.38 275.12 282.00 289.00 296.14 303.43 310.90 318.56 326.40 334.44 342.69 351.16 359.88 368.83 377.99 387.35 396.91 406.68 416.65 426.82 437.24 447.93 458.91 470.30 482.97 495.93 509.16 522.62 536.29 550.16 564.24 578.55 593.05 607.74 622.58 637.53 652.60 667.76 683.01 698.36 713.79 729.32 744.91

PRODUCTS & RATES SECTION

Male Smoker Rate 250.04 256.12 262.36 268.77 275.37 282.13 289.04 296.11 303.46 310.96 318.63 326.48 334.53 342.76 351.19 359.79 368.54 377.44 386.51 395.76 405.23 414.96 424.93 435.11 445.48 455.97 466.59 477.36 488.32 499.47 510.87 522.55 534.48 546.46 558.56 570.70 582.86 595.04 607.25 619.49 631.78 644.09 656.34 669.26 682.85 696.41 709.92 723.41 736.89 750.40 763.96 777.59 791.26

Revised 09/01/2020

SINGLE PREMIUM LIFE PLAN HSL Single Premium Plan

Rates are shown per 1,000 Rates do not include $60 policy fee

Rates are shown per 1,000 Rates do not include $60 policy fee Band 2: 25,000 - 99,999

Band 2: 25,000-99,999 Issue Age 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

Back to Table of Contents

Female Nonsmoker Rate 185.86 190.68 195.63 200.73 205.96 211.33 216.83 222.48 228.33 234.31 240.42 246.65 253.00 259.47 266.08 272.83 279.74 286.84 294.13 301.64 309.37 317.33 325.54 333.98 342.67 351.59 360.76 370.15 379.78 389.62 399.66 409.90 420.35 430.96 441.81 452.88 464.17 475.67 487.37 499.26 511.32 523.57 536.02 548.67 561.54 574.62 587.90 601.39 615.04 628.85 642.78 656.79 670.87

Female Smoker Rate 224.87 230.77 236.85 243.09 249.51 256.11 262.87 269.81 276.97 284.32 291.80 299.44 307.23 315.15 323.19 331.36 339.68 348.17 356.84 365.71 374.80 384.13 393.68 403.44 413.43 423.66 434.12 444.79 455.68 466.77 478.04 489.46 501.03 512.66 524.38 536.16 547.99 559.84 571.70 583.55 595.37 607.17 618.93 630.66 642.36 654.07 665.78 677.51 689.27 701.10 712.99 724.89 736.78

Male Nonsmoker Rate 204.85 209.79 214.90 220.24 225.78 231.48 237.35 243.39 249.63 255.99 262.51 269.15 275.93 282.83 289.86 297.05 304.42 311.98 319.72 327.66 335.80 344.18 352.79 361.64 370.71 379.96 389.42 399.09 408.95 419.03 429.34 439.93 450.81 461.93 473.32 484.96 496.84 508.94 521.27 533.83 546.63 559.66 572.89 586.28 600.24 615.74 631.34 647.02 662.79 678.64 694.58 710.60 726.68

PRODUCTS & RATES SECTION

Male Smoker Rate 244.47 250.55 256.79 263.20 269.80 276.56 283.47 290.54 297.79 305.19 312.75 320.51 328.45 336.59 344.91 353.42 362.06 370.86 379.83 388.98 398.35 407.97 417.84 427.92 438.18 448.57 459.10 469.77 480.62 491.67 502.96 514.54 526.37 538.35 550.45 562.58 574.75 586.92 599.13 611.37 623.66 635.96 648.20 660.31 672.22 683.89 695.32 706.52 718.25 732.19 746.18 760.22 774.30

Revised 09/01/2020

SINGLE PREMIUM LIFE PLAN HSL Single Premium Plan

Rates are shown per 1,000 Rates do not include $60 policy fee

Rates are shown per 1,000 Rates do not include $60 policy fee Band 3: 100,000+

Band 3: 100,000+ Issue Age 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70

Back to Table of Contents

Female Nonsmoker Rate 184.22 189.04 193.99 199.09 204.32 209.68 215.19 220.83 226.66 232.61 238.68 244.88 251.20 257.65 264.23 270.95 277.83 284.90 292.16 299.64 307.34 315.27 323.45 331.86 340.51 349.41 358.54 367.91 377.50 387.32 397.33 407.54 417.95 428.57 439.42 450.49 461.78 473.28 484.98 496.87 508.93 521.18 533.62 546.28 559.14 572.22 585.51 598.99 612.64 626.45 640.38 654.39 668.46

Female Smoker Rate 223.22 229.13 235.20 241.45 247.87 254.46 261.22 268.16 275.29 282.61 290.07 297.67 305.44 313.33 321.34 329.47 337.77 346.22 354.86 363.70 372.76 382.06 391.58 401.32 411.28 421.48 431.90 442.55 453.40 464.46 475.70 487.10 498.63 510.26 521.98 533.76 545.59 557.44 569.30 581.15 592.98 604.77 616.53 628.26 639.96 651.67 663.38 675.10 686.87 698.70 710.58 722.48 734.37

Male Nonsmoker Rate 203.21 208.15 213.25 218.59 224.13 229.83 235.70 241.75 247.95 254.29 260.77 267.39 274.13 281.00 288.01 295.17 302.51 310.03 317.75 325.66 333.77 342.12 350.70 359.52 368.55 377.78 387.21 396.84 406.68 416.72 427.01 437.56 448.41 459.54 470.93 482.56 494.44 506.55 518.87 531.44 544.23 557.27 570.49 583.88 597.37 610.94 625.05 640.89 656.81 672.82 688.90 705.07 721.29

PRODUCTS & RATES SECTION

Male Smoker Rate 242.83 248.90 255.14 261.56 268.15 274.91 281.83 288.89 296.12 303.48 311.02 318.74 326.66 334.76 343.06 351.53 360.15 368.92 377.85 386.97 396.31 405.91 415.74 425.80 436.03 446.39 456.88 467.52 478.34 489.36 500.63 512.18 523.97 535.95 548.05 560.19 572.35 584.52 596.73 608.97 621.26 633.56 645.80 657.90 669.82 681.49 692.92 704.11 715.14 726.82 740.93 755.09 769.29

Revised 09/01/2020

SENIOR ADULT FINAL EXPENSE SAFE PLAN ISSUE AGES: 50-90 MINIMUM $5,000 - MAXIMUM $50,000 PREMIUM MODE Single Premium REFUND OF PREMIUM BENEFITS Death Benefit Growth Option NON-FORFEITURE OPTIONS Surrender for Cash Value NOTE: This is a Modified Endowment Contract (MEC) Surrender or loan may cause tax consequences

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

SENIOR ADULT FINAL EXPENSE (SAFE) PLAN Note: Rate amounts are per thousand No Policy Fee

SINGLE PREMIUM AMOUNT Age 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90

Back TableofofContents Contents Back to to Table

Male 590.36 603.11 615.99 628.92 641.87 654.87 665.40 676.10 686.97 698.01 709.23 720.64 732.22 743.99 755.96 768.11 778.47 788.97 799.61 810.40 821.33 832.40 843.63 855.01 866.54 878.23 884.87 891.56 898.30 905.09 911.93 918.82 925.77 932.77 939.82 946.92 955.76 964.21 972.53 980.75 989.07

Female 562.25 574.66 587.21 599.86 612.58 625.34 634.96 644.72 654.64 664.71 674.93 685.31 695.86 706.56 717.43 728.46 737.55 746.76 756.08 765.51 775.07 784.74 794.54 804.45 814.49 824.66 832.61 840.64 848.74 856.93 865.19 873.53 881.95 890.46 899.04 907.71 919.07 930.36 941.65 953.10 964.99

PRODUCTS SECTION PRODUCTS&& RATES RATES SECTION

Revised 1/2020 Revised 01/01/2020

ANNUAL PREMIUM FLEX LIFE - JUNIOR PLAN JFLA ISSUE AGES: 0-17 MINIMUM $30,000 - MAXIMUM $1,000,000 PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft RIDERS AVAILABLE Insurability Protection Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-FORFEITURE OPTIONS Reduced Paid-Up Whole Life Insurance Surrender for Cash Value Automatic Premium Loan (APL)

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 01/01/2020

RATES FOR PLAN JFLA - JUNIOR ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

No Policy Fee

MALE COMPOSITE

AGE 0 1 2 3 4

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 6.78 3.53 1.80 0.62 3.57 1.82 0.62 6.86 3.65 1.86 0.64 7.01 3.72 1.90 0.65 7.16 3.74 1.91 0.65 7.19

BANK DRAFT 0.58 0.59 0.60 0.61 0.62

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 6.10 3.17 1.62 0.55 6.17 3.21 1.64 0.56 6.31 3.28 1.67 0.57 6.44 3.35 1.71 0.58 6.47 3.36 1.71 0.59

BANK DRAFT 0.52 0.53 0.54 0.55 0.55

AGE 0 1 2 3 4

5 6 7 8 9

7.22 7.25 7.28 7.35 7.45

3.75 3.77 3.79 3.82 3.87

1.91 1.92 1.93 1.95 1.97

0.65 0.66 0.66 0.67 0.68

0.62 0.62 0.62 0.63 0.64

6.50 6.53 6.55 6.62 6.71

3.38 3.40 3.41 3.44 3.49

1.72 1.73 1.74 1.75 1.78

0.59 0.59 0.59 0.60 0.61

0.56 0.56 0.56 0.57 0.58

5 6 7 8 9

10 11 12 13 14

7.56 7.68 7.79 7.92 8.05

3.93 3.99 4.05 4.12 4.19

2.00 2.04 2.06 2.10 2.13

0.69 0.70 0.71 0.72 0.73

0.65 0.66 0.67 0.68 0.69

6.80 6.91 7.01 7.13 7.25

3.54 3.59 3.65 3.71 3.77

1.80 1.83 1.86 1.89 1.92

0.62 0.63 0.64 0.65 0.66

0.58 0.59 0.60 0.61 0.62

10 11 12 13 14

15 16 17

8.18 8.32 8.55

4.25 4.33 4.45

2.17 2.20 2.27

0.74 0.75 0.77

0.70 0.71 0.73

7.36 7.49 7.70

3.83 3.89 4.00

1.95 1.98 2.04

0.67 0.68 0.70

0.63 0.64 0.66

15 16 17

AGE 0 1 2 3 4

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 3.00 1.53 0.52 5.76 5.83 3.03 1.54 0.53 5.96 3.10 1.58 0.54 6.09 3.17 1.61 0.55 6.11 3.18 1.62 0.55

BANK DRAFT 0.49 0.50 0.51 0.52 0.52

5 6 7 8 9

6.14 6.16 6.19 6.25 6.33

3.19 3.20 3.22 3.25 3.29

1.63 1.63 1.64 1.66 1.68

0.56 0.56 0.56 0.57 0.57

0.53 0.53 0.53 0.54 0.54

10 11 12 13 14

6.43 6.53 6.62 6.73 6.84

3.34 3.40 3.44 3.50 3.56

1.70 1.73 1.75 1.78 1.81

0.58 0.59 0.60 0.61 0.62

0.55 0.56 0.57 0.58 0.59

15 16 17

6.95 7.07 7.27

3.61 3.68 3.78

1.84 1.87 1.93

0.63 0.64 0.66

0.60 0.61 0.62

Back to Table of Contents Back to Table of Contents

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 01/01/2020 Revised 1/2020

RATES FOR PLAN JFLA - JUNIOR ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

No Policy Fee

FEMALE COMPOSITE

AGE 0 1 2 3 4

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 3.29 1.67 0.57 6.32 3.33 1.70 0.58 6.40 3.40 1.73 0.59 6.53 3.47 1.77 0.61 6.67 3.49 1.78 0.61 6.72

BANK DRAFT 0.54 0.55 0.56 0.57 0.58

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 5.69 2.96 1.51 0.52 5.76 3.00 1.53 0.52 5.88 3.06 1.56 0.53 6.00 3.12 1.59 0.54 6.05 3.15 1.60 0.55

BANK DRAFT 0.49 0.49 0.50 0.51 0.52

AGE 0 1 2 3 4

5 6 7 8 9

6.76 6.80 6.85 6.92 6.98

3.52 3.54 3.56 3.60 3.63

1.79 1.80 1.82 1.83 1.85

0.61 0.62 0.62 0.63 0.63

0.58 0.58 0.59 0.59 0.60

6.08 6.12 6.17 6.23 6.28

3.16 3.18 3.21 3.24 3.27

1.61 1.62 1.64 1.65 1.66

0.55 0.56 0.56 0.57 0.57

0.52 0.53 0.53 0.53 0.54

5 6 7 8 9

10 11 12 13 14

7.06 7.14 7.23 7.32 7.42

3.67 3.71 3.76 3.81 3.86

1.87 1.89 1.92 1.94 1.97

0.64 0.65 0.66 0.66 0.67

0.61 0.61 0.62 0.63 0.64

6.35 6.43 6.51 6.59 6.68

3.30 3.34 3.39 3.43 3.47

1.68 1.70 1.73 1.75 1.77

0.58 0.58 0.59 0.60 0.61

0.54 0.55 0.56 0.57 0.57

10 11 12 13 14

15 16 17

7.52 7.62 7.72

3.91 3.96 4.01

1.99 2.02 2.05

0.68 0.69 0.70

0.64 0.65 0.66

6.77 6.86 6.95

3.52 3.57 3.61

1.79 1.82 1.84

0.61 0.62 0.63

0.58 0.59 0.60

15 16 17

AGE 0 1 2 3 4

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 2.79 1.42 0.49 5.37 5.44 2.83 1.44 0.49 5.55 2.89 1.47 0.50 5.67 2.95 1.50 0.52 5.71 2.97 1.51 0.52

BANK DRAFT 0.46 0.47 0.48 0.49 0.49

5 6 7 8 9

5.75 5.78 5.82 5.88 5.93

2.99 3.01 3.03 3.06 3.08

1.52 1.53 1.54 1.56 1.57

0.52 0.53 0.53 0.53 0.54

0.49 0.50 0.50 0.50 0.51

10 11 12 13 14

6.00 6.07 6.15 6.22 6.31

3.12 3.16 3.20 3.23 3.28

1.59 1.61 1.63 1.65 1.67

0.54 0.55 0.56 0.56 0.57

0.51 0.52 0.53 0.53 0.54

15 16 17

6.39 6.48 6.56

3.32 3.37 3.41

1.69 1.72 1.74

0.58 0.59 0.60

0.55 0.56 0.56

Back to Table of Contents Back to Table of Contents

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 01/01/2020

Revised 1/2020

WAIVER OF PREMIUM RIDER Note: Rate amounts are per thousand.

PLAN JFLA - JUNIOR ANNUAL PREMIUM FLEX LIFE MALE/FEMALE

AGE 20 21 22 23 24

SEMIANNUAL ANNUAL 0.40 0.76 0.81 0.42 0.87 0.45 0.92 0.48 0.98 0.51

QUARTERLY

MONTHLY

BANK DRAFT

0.20 0.21 0.23 0.24 0.26

0.07 0.08 0.08 0.09 0.09

0.07 0.07 0.08 0.08 0.09

25 26 27 28 29

1.03 1.08 1.14 1.18 1.24

0.54 0.56 0.59 0.61 0.64

0.27 0.29 0.30 0.31 0.33

0.10 0.10 0.11 0.11 0.12

0.09 0.10 0.10 0.11 0.11

30 31 32 33 34

1.29 1.35 1.40 1.45 1.51

0.67 0.70 0.73 0.75 0.79

0.34 0.36 0.37 0.38 0.40

0.12 0.13 0.13 0.14 0.14

0.11 0.12 0.12 0.13 0.13

35 36 37 38 39

1.57 1.62 1.68 1.74 1.79

0.82 0.84 0.87 0.90 0.93

0.42 0.43 0.45 0.46 0.47

0.15 0.15 0.16 0.16 0.17

0.14 0.14 0.15 0.15 0.16

40 41 42 43 44

1.85 1.91 1.96 2.01 2.07

0.96 0.99 1.02 1.05 1.08

0.49 0.51 0.52 0.53 0.55

0.17 0.18 0.18 0.19 0.19

0.16 0.17 0.17 0.18 0.18

45 46 47 48 49

2.13 2.19 2.25 2.31 2.39

1.11 1.14 1.17 1.20 1.24

0.56 0.58 0.60 0.61 0.63

0.20 0.20 0.21 0.21 0.22

0.19 0.19 0.20 0.20 0.21

50 51 52 53 54

2.47 2.47 2.47 2.47 2.47

1.28 1.28 1.28 1.28 1.28

0.65 0.65 0.65 0.65 0.65

0.23 0.23 0.23 0.23 0.23

0.21 0.21 0.21 0.21 0.21

55 56 57 58 59

2.47 2.47 2.47 2.47 2.47

1.28 1.28 1.28 1.28 1.28

0.65 0.65 0.65 0.65 0.65

0.23 0.23 0.23 0.23 0.23

0.21 0.21 0.21 0.21 0.21

Coverage terminates at earliest of: (1) End of premium paying period (2) Proposer's attained age 60 (3) Insured's attained age 25

Back to Table of Contents Back to Table of Contents

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 01/01/2020

Revised

ANNUAL PREMIUM FLEX LIFE - ADULT PLAN FLA ISSUE AGES: 18-70 MINIMUM $30,000 - MAXIMUM $1,000,000 PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft RIDERS AVAILABLE Insurability Protection Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-FORFEITURE OPTIONS Reduced Paid-Up Whole Life Insurance Surrender for Cash Value Automatic Premium Loan (APL)

Back to Table of Contents

PRODUCTS & RATES SECTION

Annual Premium Flex Life General Description ANNUAL PREMIUM FLEX LIFE can be described as a non-participating Whole Life certificate with adjustable cash values and a level guaranteed death benefit. Due to Federal guidelines, which mandate that a specified difference must exist between the death benefit and the cash value, the death benefit may be greater than the face amount in later years to qualify as life insurance under the guidelines.

ANNUAL PREMIUM FLEX LIFE is similar to a Universal Life certificate with respect to the calculation of the certificate cash value. The certificate cash value is determined by accumulating the premiums paid, less an annual service fee and current mortality charges, plus interest at a current rate. A surrender charge is applied during the first 19 certificate years. Each certificate has guaranteed certificate values which are used in calculating the minimum level of cash values.

The major difference between an Annual Premium Flex Life certificate and a Universal Life certificate is the premium payment provision. With Universal Life the certificate owner must determine the amount and frequency of payment. Annual Premium Flex Life has a fixed annual premium with a Premium Deduction Option that may be available after five certificate years.

Interest Sensitive - Accumulation Account The Accumulation Account is an accumulation of premiums paid and interest credited, less insurance and expense charges. It equals: a. b. c. d.

the Accumulation Account at the end of the prior month; plus any premium paid for that certificate month the risk premium for the month; plus one month’s interest on the balance of (a) (b) and (c).

The Accumulation Account earns interest at the interest rate declared by the Home Office. Interest credited to the Accumulation Account will not be less than 2.5% per year. That portion of the Accumulation Account equal to the mean outstanding loan balance during a year may earn interest at a lower rate.

The risk premium is the sum of: a. b. c. d.

the cost of insurance coverage the extra premium for any special class rating the premium for any rider or supplemental rider attached to the certificate; and a monthly expense charge determined by the Hermann Sons Life Executive Officers but not to exceed $4.17 a month.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

Disappearing Surrender Charge The ANNUAL PREMIUM FLEX LIFE plan rewards the Member who maintains the coverage in force. However, if the certificate is lapsed or terminated, a charge (based on the number of years the certificate has been in force) is deducted from the Accumulation Account to produce a cash surrender value. This charge is never applied unless the certificate owner surrenders the certificate.

The surrender charge will be the following percentages, applied only to the Basic Annual Premium appearing in the Certificate Schedule of Premiums.

Certificate Year

Surrender Charge

Certificate Year

Surrender Charge

1 150% 11 90% 2 150% 12 80% 3 150% 13 70% 4 150% 14 60% 5 150% 15 50% 6 140% 16 40% 7 130% 17 30% 8 120% 18 20% 9 110% 19 10% 10 100% 20 and later 0%

Annual Statements An annual statement will be mailed to the Member the week following their certificate anniversary.

Each Annual Statement will provide the following values for the next year: a. b. c. d. e. f.

the death benefit the accumulation account balance the cash surrender value the risk premium the interest to be credited expense charges

Certificate Loans Interest on a certificate loan is payable in advance. The interest on a loan is 10%.

Back to Table of Contents

PRODUCTS & RATES SECTION

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

MALE NON-TOBACCO

AGE 18 19

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 8.80 4.58 2.33 0.80 9.05 4.71 2.40 0.82

BANK DRAFT 0.75 0.77

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.92 4.12 2.10 0.72 8.15 4.24 2.16 0.74

BANK DRAFT 0.68 0.70

AGE 18 19

20 21 22 23 24

9.31 9.58 9.87 10.17 10.48

4.84 4.98 5.13 5.29 5.45

2.47 2.54 2.62 2.70 2.78

0.84 0.87 0.89 0.92 0.95

0.80 0.82 0.84 0.87 0.90

8.38 8.62 8.88 9.15 9.43

4.36 4.48 4.62 4.76 4.90

2.22 2.28 2.35 2.42 2.50

0.76 0.78 0.80 0.83 0.85

0.72 0.74 0.76 0.78 0.81

20 21 22 23 24

25 26 27 28 29

10.81 11.16 11.53 11.91 12.32

5.62 5.80 6.00 6.19 6.41

2.86 2.96 3.06 3.16 3.26

0.98 1.01 1.04 1.08 1.11

0.92 0.95 0.99 1.02 1.05

9.73 10.04 10.38 10.72 11.09

5.06 5.22 5.40 5.57 5.77

2.58 2.66 2.75 2.84 2.94

0.88 0.91 0.94 0.97 1.00

0.83 0.86 0.89 0.92 0.95

25 26 27 28 29

30 31 32 33 34

12.75 13.19 13.66 14.15 14.68

6.63 6.86 7.10 7.36 7.63

3.38 3.50 3.62 3.75 3.89

1.15 1.19 1.23 1.28 1.33

1.09 1.13 1.17 1.21 1.25

11.48 11.87 12.29 12.74 13.21

5.97 6.17 6.39 6.62 6.87

3.04 3.15 3.26 3.38 3.50

1.04 1.07 1.11 1.15 1.19

0.98 1.01 1.05 1.09 1.13

30 31 32 33 34

35 36 37 38 39

15.21 15.77 16.36 16.97 17.61

7.91 8.20 8.51 8.82 9.16

4.03 4.18 4.34 4.50 4.67

1.37 1.42 1.48 1.53 1.59

1.30 1.35 1.40 1.45 1.50

13.69 14.19 14.72 15.27 15.85

7.12 7.38 7.65 7.94 8.24

3.63 3.76 3.90 4.05 4.20

1.24 1.28 1.33 1.38 1.43

1.17 1.21 1.26 1.30 1.35

35 36 37 38 39

40 41 42 43 44

18.27 18.98 19.72 20.50 21.33

9.50 9.87 10.25 10.66 11.09

4.84 5.03 5.23 5.43 5.65

1.65 1.71 1.78 1.85 1.92

1.56 1.62 1.68 1.75 1.82

16.44 17.08 17.75 18.45 19.20

8.55 8.88 9.23 9.59 9.98

4.36 4.53 4.70 4.89 5.09

1.48 1.54 1.60 1.67 1.73

1.40 1.46 1.51 1.57 1.64

40 41 42 43 44

45 46 47 48 49

22.19 23.11 24.07 25.09 26.18

11.54 12.02 12.52 13.05 13.61

5.88 6.12 6.38 6.65 6.94

2.00 2.08 2.17 2.26 2.36

1.89 1.97 2.05 2.14 2.23

19.97 20.80 21.66 22.58 23.56

10.38 10.82 11.26 11.74 12.25

5.29 5.51 5.74 5.98 6.24

1.80 1.88 1.95 2.04 2.13

1.70 1.77 1.85 1.92 2.01

45 46 47 48 49

50 51 52 53 54

27.33 28.57 29.89 31.30 32.78

14.21 14.86 15.54 16.28 17.05

7.24 7.57 7.92 8.29 8.69

2.46 2.58 2.70 2.82 2.96

2.33 2.43 2.55 2.67 2.79

24.60 25.71 26.90 28.17 29.50

12.79 13.37 13.99 14.65 15.34

6.52 6.81 7.13 7.47 7.82

2.22 2.32 2.43 2.54 2.66

2.10 2.19 2.29 2.40 2.51

50 51 52 53 54

55 56 57 58 59

34.34 36.00 37.75 39.63 41.63

17.86 18.72 19.63 20.61 21.65

9.10 9.54 10.00 10.50 11.03

3.10 3.24 3.40 3.57 3.75

2.92 3.06 3.21 3.37 3.54

30.91 32.40 33.98 35.67 37.47

16.07 16.85 17.67 18.55 19.48

8.19 8.59 9.00 9.45 9.93

2.79 2.92 3.06 3.22 3.38

2.63 2.76 2.89 3.04 3.19

55 56 57 58 59

60 61 62 63 64

43.79 46.11 48.62 51.29 54.14

22.77 23.98 25.28 26.67 28.15

11.60 12.22 12.88 13.59 14.35

3.95 4.15 4.38 4.62 4.88

3.73 3.92 4.14 4.36 4.61

39.41 41.50 43.76 46.16 48.73

20.49 21.58 22.76 24.00 25.34

10.44 11.00 11.60 12.23 12.91

3.55 3.74 3.94 4.16 4.39

3.35 3.53 3.72 3.93 4.15

60 61 62 63 64

65 66 67 68 69

57.16 60.37 63.80 67.48 71.49

29.72 31.39 33.18 35.09 37.17

15.15 16.00 16.91 17.88 18.94

5.15 5.44 5.75 6.08 6.44

4.86 5.14 5.43 5.74 6.08

51.44 54.33 57.42 60.73 64.34

26.75 28.25 29.86 31.58 33.46

13.63 14.40 15.22 16.09 17.05

4.63 4.89 5.17 5.47 5.80

4.38 4.62 4.89 5.17 5.47

65 66 67 68 69

70

75.83

39.43

20.09

6.83

6.45

68.25

35.49

18.09

6.15

5.81

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

MALE NON-TOBACCO

AGE 18 19

Back to Table of Contents

Back to Table of Contents

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.48 3.89 1.98 0.68 7.69 4.00 2.04 0.70

BANK DRAFT 0.64 0.66

20 21 22 23 24

7.91 8.14 8.39 8.64 8.91

4.11 4.23 4.36 4.49 4.63

2.10 2.16 2.22 2.29 2.36

0.72 0.74 0.76 0.78 0.81

0.68 0.70 0.72 0.74 0.76

25 26 27 28 29

9.19 9.49 9.80 10.12 10.47

4.78 4.93 5.10 5.26 5.44

2.44 2.51 2.60 2.68 2.77

0.83 0.86 0.89 0.92 0.95

0.79 0.81 0.84 0.87 0.89

30 31 32 33 34

10.84 11.21 11.61 12.03 12.48

5.64 5.83 6.04 6.26 6.49

2.87 2.97 3.08 3.19 3.31

0.98 1.01 1.05 1.09 1.13

0.93 0.96 0.99 1.03 1.07

35 36 37 38 39

12.93 13.40 13.91 14.42 14.97

6.72 6.97 7.23 7.50 7.78

3.43 3.55 3.69 3.82 3.97

1.17 1.21 1.26 1.30 1.35

1.10 1.14 1.19 1.23 1.28

40 41 42 43 44

15.53 16.13 16.76 17.43 18.13

8.08 8.39 8.72 9.06 9.43

4.12 4.27 4.44 4.62 4.80

1.40 1.46 1.51 1.57 1.64

1.33 1.38 1.43 1.49 1.55

45 46 47 48 49

18.86 19.64 20.46 21.33 22.25

9.81 10.21 10.64 11.09 11.57

5.00 5.20 5.42 5.65 5.90

1.70 1.77 1.85 1.92 2.01

1.61 1.67 1.74 1.82 1.90

50 51 52 53 54

23.23 24.28 25.41 26.61 27.86

12.08 12.63 13.21 13.84 14.49

6.16 6.43 6.73 7.05 7.38

2.10 2.19 2.29 2.40 2.51

1.98 2.07 2.16 2.27 2.37

55 56 57 58 59

29.19 30.60 32.09 33.69 35.39

15.18 15.91 16.69 17.52 18.40

7.74 8.11 8.50 8.93 9.38

2.63 2.76 2.89 3.04 3.19

2.49 2.61 2.73 2.87 3.01

60 61 62 63 64

37.22 39.19 41.33 43.60 46.02

19.35 20.38 21.49 22.67 23.93

9.86 10.39 10.95 11.55 12.20

3.35 3.53 3.72 3.93 4.15

3.17 3.34 3.52 3.71 3.92

65 66 67 68 69

48.59 51.31 54.23 57.36 60.77

25.27 26.68 28.20 29.83 31.60

12.88 13.60 14.37 15.20 16.10

4.38 4.62 4.89 5.17 5.47

4.14 4.37 4.61 4.88 5.17

70

64.46

33.52

17.08

5.81

5.48

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

MALE TOBACCO

AGE 18 19

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 10.51 5.47 2.79 0.95 10.84 5.64 2.87 0.98

BANK DRAFT 0.90 0.93

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 9.46 4.92 2.51 0.86 9.76 5.08 2.59 0.88

BANK DRAFT 0.81 0.83

AGE 18 19

20 21 22 23 24

11.17 11.52 11.88 12.27 12.67

5.81 5.99 6.18 6.38 6.59

2.96 3.05 3.15 3.25 3.36

1.01 1.04 1.07 1.11 1.15

0.95 0.98 1.01 1.05 1.08

10.05 10.37 10.69 11.04 11.40

5.23 5.39 5.56 5.74 5.93

2.66 2.75 2.83 2.93 3.02

0.91 0.94 0.97 1.00 1.03

0.86 0.89 0.91 0.94 0.97

20 21 22 23 24

25 26 27 28 29

13.11 13.56 14.03 14.55 15.08

6.82 7.05 7.30 7.57 7.84

3.47 3.59 3.72 3.86 4.00

1.18 1.23 1.27 1.31 1.36

1.12 1.16 1.20 1.24 1.29

11.80 12.20 12.63 13.10 13.57

6.14 6.34 6.57 6.81 7.06

3.13 3.23 3.35 3.47 3.60

1.07 1.10 1.14 1.18 1.23

1.01 1.04 1.08 1.12 1.16

25 26 27 28 29

30 31 32 33 34

15.65 16.24 16.87 17.52 18.22

8.14 8.44 8.77 9.11 9.47

4.15 4.30 4.47 4.64 4.83

1.41 1.47 1.52 1.58 1.64

1.34 1.39 1.44 1.49 1.55

14.09 14.62 15.18 15.77 16.40

7.33 7.60 7.89 8.20 8.53

3.73 3.87 4.02 4.18 4.35

1.27 1.32 1.37 1.42 1.48

1.20 1.25 1.30 1.35 1.40

30 31 32 33 34

35 36 37 38 39

18.95 19.67 20.43 21.22 22.04

9.85 10.23 10.62 11.03 11.46

5.02 5.21 5.41 5.62 5.84

1.71 1.78 1.84 1.91 1.99

1.62 1.68 1.74 1.81 1.88

17.06 17.70 18.39 19.10 19.84

8.87 9.20 9.56 9.93 10.32

4.52 4.69 4.87 5.06 5.26

1.54 1.60 1.66 1.72 1.79

1.46 1.51 1.57 1.63 1.69

35 36 37 38 39

40 41 42 43 44

22.92 23.85 24.82 25.86 26.93

11.92 12.40 12.91 13.45 14.00

6.07 6.32 6.58 6.85 7.14

2.07 2.15 2.24 2.33 2.43

1.95 2.03 2.11 2.20 2.29

20.63 21.47 22.34 23.27 24.24

10.73 11.16 11.62 12.10 12.60

5.47 5.69 5.92 6.17 6.42

1.86 1.94 2.02 2.10 2.19

1.76 1.83 1.90 1.98 2.07

40 41 42 43 44

45 46 47 48 49

28.07 29.25 30.51 31.84 33.26

14.60 15.21 15.87 16.56 17.30

7.44 7.75 8.09 8.44 8.81

2.53 2.64 2.75 2.87 3.00

2.39 2.49 2.60 2.71 2.83

25.26 26.33 27.46 28.66 29.93

13.14 13.69 14.28 14.90 15.56

6.69 6.98 7.28 7.59 7.93

2.28 2.37 2.48 2.58 2.70

2.15 2.24 2.34 2.44 2.55

45 46 47 48 49

50 51 52 53 54

34.76 36.38 38.09 39.91 41.81

18.08 18.92 19.81 20.75 21.74

9.21 9.64 10.09 10.58 11.08

3.13 3.28 3.43 3.60 3.77

2.96 3.10 3.24 3.40 3.56

31.28 32.74 34.28 35.92 37.63

16.27 17.02 17.83 18.68 19.57

8.29 8.68 9.08 9.52 9.97

2.82 2.95 3.09 3.24 3.39

2.66 2.79 2.92 3.06 3.20

50 51 52 53 54

55 56 57 58 59

43.81 45.92 48.14 50.49 53.01

22.78 23.88 25.03 26.25 27.57

11.61 12.17 12.76 13.38 14.05

3.95 4.14 4.34 4.55 4.78

3.73 3.91 4.10 4.30 4.51

39.43 41.33 43.33 45.44 47.71

20.50 21.49 22.53 23.63 24.81

10.45 10.95 11.48 12.04 12.64

3.55 3.72 3.90 4.09 4.30

3.36 3.52 3.69 3.87 4.06

55 56 57 58 59

60 61 62 63 64

55.70 58.56 61.62 64.87 68.30

28.96 30.45 32.04 33.73 35.52

14.76 15.52 16.33 17.19 18.10

5.02 5.28 5.55 5.84 6.15

4.74 4.98 5.24 5.52 5.81

50.13 52.70 55.46 58.38 61.47

26.07 27.40 28.84 30.36 31.96

13.28 13.97 14.70 15.47 16.29

4.52 4.75 5.00 5.26 5.54

4.27 4.48 4.72 4.97 5.23

60 61 62 63 64

65 66 67 68 69

71.88 75.62 79.54 83.78 88.39

37.38 39.32 41.36 43.57 45.96

19.05 20.04 21.08 22.20 23.42

6.47 6.81 7.16 7.55 7.96

6.11 6.43 6.77 7.13 7.52

64.69 68.06 71.59 75.40 79.55

33.64 35.39 37.23 39.21 41.37

17.14 18.04 18.97 19.98 21.08

5.83 6.13 6.45 6.79 7.16

5.50 5.79 6.09 6.41 6.77

65 66 67 68 69

70

93.50

48.62

24.78

8.42

7.95

84.15

43.76

22.30

7.58

7.16

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

MALE TOBACCO

AGE 18 19

Back to Table of Contents

Back to Table of Contents

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 8.93 4.64 2.37 0.81 9.21 4.79 2.44 0.83

BANK DRAFT 0.76 0.79

20 21 22 23 24

9.49 9.79 10.10 10.43 10.77

4.93 5.09 5.25 5.42 5.60

2.51 2.59 2.68 2.76 2.85

0.86 0.89 0.91 0.94 0.97

0.81 0.84 0.86 0.89 0.92

25 26 27 28 29

11.14 11.53 11.93 12.37 12.82

5.79 6.00 6.20 6.43 6.67

2.95 3.06 3.16 3.28 3.40

1.01 1.04 1.08 1.12 1.16

0.95 0.99 1.02 1.06 1.09

30 31 32 33 34

13.30 13.80 14.34 14.89 15.49

6.92 7.18 7.46 7.74 8.05

3.52 3.66 3.80 3.95 4.10

1.20 1.25 1.30 1.35 1.40

1.14 1.18 1.22 1.27 1.32

35 36 37 38 39

16.11 16.72 17.37 18.04 18.73

8.38 8.69 9.03 9.38 9.74

4.27 4.43 4.60 4.78 4.96

1.45 1.51 1.57 1.63 1.69

1.37 1.43 1.48 1.54 1.60

40 41 42 43 44

19.48 20.27 21.10 21.98 22.89

10.13 10.54 10.97 11.43 11.90

5.16 5.37 5.59 5.82 6.07

1.76 1.83 1.90 1.98 2.07

1.66 1.73 1.80 1.87 1.95

45 46 47 48 49

23.86 24.86 25.93 27.06 28.27

12.41 12.93 13.48 14.07 14.70

6.32 6.59 6.87 7.17 7.49

2.15 2.24 2.34 2.44 2.55

2.03 2.12 2.21 2.31 2.41

50 51 52 53 54

29.55 30.92 32.38 33.92 35.54

15.37 16.08 16.84 17.64 18.48

7.83 8.19 8.58 8.99 9.42

2.66 2.79 2.92 3.06 3.20

2.52 2.63 2.76 2.89 3.03

55 56 57 58 59

37.24 39.03 40.92 42.92 45.06

19.36 20.30 21.28 22.32 23.43

9.87 10.34 10.84 11.37 11.94

3.36 3.52 3.69 3.87 4.06

3.17 3.32 3.48 3.65 3.84

60 61 62 63 64

47.35 49.78 52.38 55.14 58.06

24.62 25.89 27.24 28.67 30.19

12.55 13.19 13.88 14.61 15.39

4.27 4.49 4.72 4.97 5.23

4.03 4.24 4.46 4.69 4.94

65 66 67 68 69

61.10 64.28 67.61 71.21 75.13

31.77 33.43 35.16 37.03 39.07

16.19 17.03 17.92 18.87 19.91

5.50 5.79 6.09 6.41 6.77

5.20 5.47 5.75 6.06 6.39

70

79.48

41.33

21.06

7.16

6.76

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

FEMALE NON-TOBACCO

AGE 18 19

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.86 4.09 2.08 0.71 8.09 4.21 2.14 0.73

BANK DRAFT 0.67 0.69

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.07 3.68 1.87 0.64 7.28 3.79 1.93 0.66

BANK DRAFT 0.61 0.62

AGE 18 19

20 21 22 23 24

8.34 8.59 8.84 9.12 9.40

4.34 4.47 4.60 4.74 4.89

2.21 2.28 2.34 2.42 2.49

0.76 0.78 0.80 0.83 0.85

0.71 0.74 0.76 0.78 0.80

7.51 7.73 7.96 8.21 8.46

3.91 4.02 4.14 4.27 4.40

1.99 2.05 2.11 2.18 2.24

0.68 0.70 0.72 0.74 0.77

0.64 0.66 0.68 0.70 0.72

20 21 22 23 24

25 26 27 28 29

9.69 10.00 10.32 10.65 11.00

5.04 5.20 5.37 5.54 5.72

2.57 2.65 2.73 2.82 2.92

0.88 0.90 0.93 0.96 0.99

0.83 0.85 0.88 0.91 0.94

8.72 9.00 9.29 9.59 9.90

4.53 4.68 4.83 4.99 5.15

2.31 2.39 2.46 2.54 2.62

0.79 0.81 0.84 0.87 0.90

0.75 0.77 0.79 0.82 0.85

25 26 27 28 29

30 31 32 33 34

11.36 11.74 12.14 12.56 12.99

5.91 6.10 6.31 6.53 6.75

3.01 3.11 3.22 3.33 3.44

1.03 1.06 1.10 1.14 1.17

0.97 1.00 1.04 1.07 1.11

10.22 10.57 10.93 11.30 11.69

5.31 5.50 5.68 5.88 6.08

2.71 2.80 2.90 2.99 3.10

0.92 0.96 0.99 1.02 1.06

0.87 0.90 0.93 0.97 1.00

30 31 32 33 34

35 36 37 38 39

13.45 13.92 14.41 14.91 15.44

6.99 7.24 7.49 7.75 8.03

3.56 3.69 3.82 3.95 4.09

1.22 1.26 1.30 1.35 1.39

1.15 1.19 1.23 1.27 1.32

12.11 12.53 12.97 13.42 13.90

6.30 6.52 6.74 6.98 7.23

3.21 3.32 3.44 3.56 3.68

1.09 1.13 1.17 1.21 1.26

1.03 1.07 1.11 1.15 1.19

35 36 37 38 39

40 41 42 43 44

16.00 16.59 17.20 17.86 18.55

8.32 8.63 8.94 9.29 9.65

4.24 4.40 4.56 4.73 4.92

1.44 1.50 1.55 1.61 1.67

1.36 1.42 1.47 1.52 1.58

14.40 14.93 15.48 16.07 16.70

7.49 7.76 8.05 8.36 8.68

3.82 3.96 4.10 4.26 4.43

1.30 1.35 1.40 1.45 1.51

1.23 1.27 1.32 1.37 1.42

40 41 42 43 44

45 46 47 48 49

19.26 20.01 20.80 21.62 22.50

10.02 10.41 10.82 11.24 11.70

5.10 5.30 5.51 5.73 5.96

1.74 1.81 1.88 1.95 2.03

1.64 1.71 1.77 1.84 1.92

17.33 18.01 18.72 19.46 20.25

9.01 9.37 9.73 10.12 10.53

4.59 4.77 4.96 5.16 5.37

1.56 1.63 1.69 1.76 1.83

1.48 1.54 1.60 1.66 1.73

45 46 47 48 49

50 51 52 53 54

23.40 24.36 25.36 26.43 27.53

12.17 12.67 13.19 13.74 14.32

6.20 6.46 6.72 7.00 7.30

2.11 2.20 2.29 2.38 2.48

1.99 2.08 2.16 2.25 2.35

21.06 21.92 22.82 23.79 24.78

10.95 11.40 11.87 12.37 12.89

5.58 5.81 6.05 6.30 6.57

1.90 1.98 2.06 2.15 2.24

1.80 1.87 1.94 2.03 2.11

50 51 52 53 54

55 56 57 58 59

28.69 29.89 31.15 32.49 33.97

14.92 15.54 16.20 16.89 17.66

7.60 7.92 8.25 8.61 9.00

2.59 2.70 2.81 2.93 3.06

2.44 2.55 2.65 2.77 2.89

25.82 26.90 28.04 29.24 30.57

13.43 13.99 14.58 15.20 15.90

6.84 7.13 7.43 7.75 8.10

2.33 2.43 2.53 2.64 2.76

2.20 2.29 2.39 2.49 2.60

55 56 57 58 59

60 61 62 63 64

35.61 37.47 39.54 41.76 44.10

18.52 19.48 20.56 21.72 22.93

9.44 9.93 10.48 11.07 11.69

3.21 3.38 3.56 3.76 3.97

3.03 3.19 3.37 3.55 3.75

32.05 33.72 35.59 37.58 39.69

16.67 17.53 18.51 19.54 20.64

8.49 8.94 9.43 9.96 10.52

2.89 3.04 3.21 3.39 3.58

2.73 2.87 3.03 3.20 3.38

60 61 62 63 64

65 66 67 68 69

46.52 49.02 51.64 54.48 57.62

24.19 25.49 26.85 28.33 29.96

12.33 12.99 13.68 14.44 15.27

4.19 4.42 4.65 4.91 5.19

3.96 4.17 4.39 4.64 4.90

41.87 44.12 46.48 49.03 51.86

21.77 22.94 24.17 25.50 26.97

11.10 11.69 12.32 12.99 13.74

3.77 3.98 4.19 4.42 4.67

3.56 3.76 3.96 4.17 4.41

65 66 67 68 69

70

61.11

31.78

16.19

5.50

5.20

55.00

28.60

14.58

4.95

4.68

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

FEMALE NON-TOBACCO

AGE 18 19

Back to Table of Contents

Back to Table of Contents

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 6.68 3.47 1.77 0.61 6.88 3.58 1.82 0.62

BANK DRAFT 0.57 0.59

20 21 22 23 24

7.09 7.30 7.51 7.75 7.99

3.69 3.80 3.91 4.03 4.15

1.88 1.93 1.99 2.05 2.12

0.64 0.66 0.68 0.70 0.72

0.61 0.63 0.64 0.66 0.68

25 26 27 28 29

8.24 8.50 8.77 9.05 9.35

4.28 4.42 4.56 4.71 4.86

2.18 2.25 2.32 2.40 2.48

0.75 0.77 0.79 0.82 0.85

0.71 0.73 0.75 0.77 0.80

30 31 32 33 34

9.66 9.98 10.32 10.68 11.04

5.02 5.19 5.37 5.55 5.74

2.56 2.64 2.73 2.83 2.93

0.87 0.90 0.93 0.97 1.00

0.83 0.85 0.88 0.91 0.94

35 36 37 38 39

11.43 11.83 12.25 12.67 13.12

5.94 6.15 6.37 6.59 6.82

3.03 3.13 3.25 3.36 3.48

1.03 1.07 1.11 1.15 1.19

0.98 1.01 1.05 1.08 1.12

40 41 42 43 44

13.60 14.10 14.62 15.18 15.77

7.07 7.33 7.60 7.89 8.20

3.60 3.74 3.87 4.02 4.18

1.23 1.27 1.32 1.37 1.42

1.16 1.20 1.25 1.30 1.35

45 46 47 48 49

16.37 17.01 17.68 18.38 19.13

8.51 8.85 9.19 9.56 9.95

4.34 4.51 4.69 4.87 5.07

1.48 1.54 1.60 1.66 1.73

1.40 1.45 1.51 1.57 1.63

50 51 52 53 54

19.89 20.71 21.56 22.47 23.40

10.34 10.77 11.21 11.68 12.17

5.27 5.49 5.71 5.95 6.20

1.80 1.87 1.95 2.03 2.11

1.70 1.77 1.84 1.91 1.99

55 56 57 58 59

24.39 25.41 26.48 27.62 28.87

12.68 13.21 13.77 14.36 15.01

6.46 6.73 7.02 7.32 7.65

2.20 2.29 2.39 2.49 2.60

2.08 2.16 2.26 2.35 2.46

60 61 62 63 64

30.27 31.85 33.61 35.50 37.49

15.74 16.56 17.48 18.46 19.49

8.02 8.44 8.91 9.41 9.93

2.73 2.87 3.03 3.20 3.38

2.58 2.71 2.86 3.02 3.19

65 66 67 68 69

39.54 41.67 43.89 46.31 48.98

20.56 21.67 22.82 24.08 25.47

10.48 11.04 11.63 12.27 12.98

3.56 3.76 3.96 4.17 4.41

3.37 3.55 3.74 3.94 4.17

70

51.94

27.01

13.76

4.68

4.42

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

FEMALE TOBACCO

AGE 18 19

$30,000 TO $99,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 8.72 4.53 2.31 0.79 9.01 4.69 2.39 0.82

BANK DRAFT 0.75 0.77

$100,000 TO $249,999 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.85 4.08 2.08 0.71 8.11 4.22 2.15 0.73

BANK DRAFT 0.67 0.69

AGE 18 19

20 21 22 23 24

9.29 9.59 9.90 10.24 10.57

4.83 4.99 5.15 5.32 5.50

2.46 2.54 2.62 2.71 2.80

0.84 0.87 0.90 0.93 0.96

0.79 0.82 0.85 0.88 0.90

8.36 8.63 8.91 9.22 9.51

4.35 4.49 4.63 4.79 4.95

2.22 2.29 2.36 2.44 2.52

0.76 0.78 0.81 0.83 0.86

0.72 0.74 0.76 0.79 0.81

20 21 22 23 24

25 26 27 28 29

10.93 11.30 11.69 12.09 12.50

5.68 5.88 6.08 6.29 6.50

2.90 2.99 3.10 3.20 3.31

0.99 1.02 1.06 1.09 1.13

0.93 0.97 1.00 1.03 1.07

9.84 10.17 10.52 10.88 11.25

5.12 5.29 5.47 5.66 5.85

2.61 2.70 2.79 2.88 2.98

0.89 0.92 0.95 0.98 1.02

0.84 0.87 0.90 0.93 0.96

25 26 27 28 29

30 31 32 33 34

12.95 13.40 13.88 14.38 14.91

6.73 6.97 7.22 7.48 7.75

3.43 3.55 3.68 3.81 3.95

1.17 1.21 1.25 1.30 1.35

1.11 1.14 1.18 1.23 1.27

11.66 12.06 12.49 12.94 13.42

6.06 6.27 6.49 6.73 6.98

3.09 3.20 3.31 3.43 3.56

1.05 1.09 1.13 1.17 1.21

1.00 1.03 1.07 1.10 1.15

30 31 32 33 34

35 36 37 38 39

15.45 16.00 16.55 17.14 17.74

8.03 8.32 8.61 8.91 9.22

4.09 4.24 4.39 4.54 4.70

1.40 1.44 1.49 1.55 1.60

1.32 1.36 1.41 1.46 1.51

13.91 14.40 14.90 15.43 15.97

7.23 7.49 7.75 8.02 8.30

3.69 3.82 3.95 4.09 4.23

1.26 1.30 1.35 1.39 1.44

1.19 1.23 1.27 1.32 1.36

35 36 37 38 39

40 41 42 43 44

18.38 19.04 19.73 20.45 21.21

9.56 9.90 10.26 10.63 11.03

4.87 5.05 5.23 5.42 5.62

1.66 1.72 1.78 1.85 1.91

1.57 1.62 1.68 1.74 1.81

16.54 17.14 17.76 18.41 19.09

8.60 8.91 9.24 9.57 9.93

4.38 4.54 4.71 4.88 5.06

1.49 1.55 1.60 1.66 1.72

1.41 1.46 1.51 1.57 1.63

40 41 42 43 44

45 46 47 48 49

22.00 22.81 23.66 24.55 25.50

11.44 11.86 12.30 12.77 13.26

5.83 6.04 6.27 6.51 6.76

1.98 2.06 2.13 2.21 2.30

1.87 1.94 2.02 2.09 2.17

19.80 20.53 21.29 22.10 22.95

10.30 10.68 11.07 11.49 11.93

5.25 5.44 5.64 5.86 6.08

1.79 1.85 1.92 1.99 2.07

1.69 1.75 1.81 1.88 1.96

45 46 47 48 49

50 51 52 53 54

26.51 27.58 28.73 29.96 31.23

13.79 14.34 14.94 15.58 16.24

7.03 7.31 7.61 7.94 8.28

2.39 2.49 2.59 2.70 2.82

2.26 2.35 2.45 2.55 2.66

23.86 24.82 25.86 26.96 28.11

12.41 12.91 13.45 14.02 14.62

6.32 6.58 6.85 7.14 7.45

2.15 2.24 2.33 2.43 2.53

2.03 2.11 2.20 2.30 2.39

50 51 52 53 54

55 56 57 58 59

32.54 33.89 35.30 36.80 38.44

16.92 17.62 18.36 19.14 19.99

8.62 8.98 9.35 9.75 10.19

2.93 3.06 3.18 3.32 3.46

2.77 2.89 3.01 3.13 3.27

29.29 30.50 31.77 33.12 34.60

15.23 15.86 16.52 17.22 17.99

7.76 8.08 8.42 8.78 9.17

2.64 2.75 2.86 2.99 3.12

2.49 2.60 2.71 2.82 2.95

55 56 57 58 59

60 61 62 63 64

40.26 42.29 44.55 46.97 49.49

20.94 21.99 23.17 24.42 25.73

10.67 11.21 11.81 12.45 13.11

3.63 3.81 4.01 4.23 4.46

3.43 3.60 3.79 4.00 4.21

36.23 38.06 40.10 42.27 44.54

18.84 19.79 20.85 21.98 23.16

9.60 10.09 10.63 11.20 11.80

3.27 3.43 3.61 3.81 4.01

3.08 3.24 3.41 3.60 3.79

60 61 62 63 64

65 66 67 68 69

52.08 54.72 57.47 60.43 63.69

27.08 28.45 29.88 31.42 33.12

13.80 14.50 15.23 16.01 16.88

4.69 4.93 5.18 5.44 5.74

4.43 4.66 4.89 5.14 5.42

46.87 49.25 51.72 54.39 57.32

24.37 25.61 26.89 28.28 29.81

12.42 13.05 13.71 14.41 15.19

4.22 4.44 4.66 4.90 5.16

3.99 4.19 4.40 4.63 4.88

65 66 67 68 69

70

67.36

35.03

17.85

6.07

5.73

60.62

31.52

16.06

5.46

5.16

70

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

RATES FOR PLAN FLA - ANNUAL PREMIUM FLEX LIFE Note: Rate amounts are per thousand.

FEMALE TOBACCO

AGE 18 19

Back to Table of Contents

Back to Table of Contents

$250,000 TO $1,000,000 SEMIQUARANNUAL ANNUAL TERLY MONTHLY 7.41 3.85 1.96 0.67 7.66 3.98 2.03 0.69

BANK DRAFT 0.63 0.66

20 21 22 23 24

7.90 8.15 8.42 8.70 8.98

4.11 4.24 4.38 4.52 4.67

2.09 2.16 2.23 2.31 2.38

0.72 0.74 0.76 0.79 0.81

0.68 0.70 0.72 0.74 0.77

25 26 27 28 29

9.29 9.61 9.94 10.28 10.63

4.83 5.00 5.17 5.35 5.53

2.46 2.55 2.63 2.72 2.82

0.84 0.87 0.90 0.93 0.96

0.79 0.82 0.85 0.88 0.91

30 31 32 33 34

11.01 11.39 11.80 12.22 12.67

5.73 5.92 6.14 6.35 6.59

2.92 3.02 3.13 3.24 3.36

1.00 1.03 1.07 1.10 1.15

0.94 0.97 1.01 1.04 1.08

35 36 37 38 39

13.13 13.60 14.07 14.57 15.08

6.83 7.07 7.32 7.58 7.84

3.48 3.60 3.73 3.86 4.00

1.19 1.23 1.27 1.32 1.36

1.12 1.16 1.20 1.24 1.29

40 41 42 43 44

15.62 16.18 16.77 17.38 18.03

8.12 8.41 8.72 9.04 9.38

4.14 4.29 4.44 4.61 4.78

1.41 1.46 1.51 1.57 1.63

1.33 1.38 1.43 1.48 1.54

45 46 47 48 49

18.70 19.39 20.11 20.87 21.68

9.72 10.08 10.46 10.85 11.27

4.96 5.14 5.33 5.53 5.75

1.69 1.75 1.81 1.88 1.96

1.59 1.65 1.71 1.78 1.85

50 51 52 53 54

22.53 23.44 24.42 25.47 26.55

11.72 12.19 12.70 13.24 13.81

5.97 6.21 6.47 6.75 7.04

2.03 2.11 2.20 2.30 2.39

1.92 2.00 2.08 2.17 2.26

55 56 57 58 59

27.66 28.81 30.01 31.28 32.67

14.38 14.98 15.61 16.27 16.99

7.33 7.63 7.95 8.29 8.66

2.49 2.60 2.71 2.82 2.95

2.36 2.45 2.56 2.66 2.78

60 61 62 63 64

34.22 35.95 37.87 39.92 42.07

17.79 18.69 19.69 20.76 21.88

9.07 9.53 10.04 10.58 11.15

3.08 3.24 3.41 3.60 3.79

2.91 3.06 3.22 3.40 3.58

65 66 67 68 69

44.27 46.51 48.85 51.37 54.14

23.02 24.19 25.40 26.71 28.15

11.73 12.33 12.95 13.61 14.35

3.99 4.19 4.40 4.63 4.88

3.77 3.96 4.16 4.37 4.61

70

57.26

29.78

15.17

5.16

4.87

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

Revised 1/2020

Revised 01/01/2020

WAIVER OF PREMIUM RIDER Note: Rate amounts are per thousand.

PLAN FLA - ANNUAL PREMIUM FLEX LIFE MALE

AGE 18 19

SEMIQUARANNUAL ANNUAL TERLY 0.16 0.08 0.04 0.17 0.09 0.05

FEMALE

MONTHLY 0.02 0.02

BANK DRAFT 0.02 0.02

SEMIQUARANNUAL ANNUAL TERLY 0.20 0.10 0.05 0.21 0.11 0.06

MONTHLY 0.02 0.02

BANK DRAFT 0.02 0.02

AGE 18 19

20 21 22 23 24

0.18 0.19 0.20 0.21 0.22

0.09 0.10 0.10 0.11 0.11

0.05 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.22 0.24 0.25 0.26 0.28

0.11 0.12 0.13 0.14 0.15

0.06 0.06 0.07 0.07 0.07

0.02 0.03 0.03 0.03 0.03

0.02 0.03 0.03 0.03 0.03

20 21 22 23 24

25 26 27 28 29

0.23 0.25 0.26 0.28 0.30

0.12 0.13 0.14 0.15 0.16

0.06 0.07 0.07 0.07 0.08

0.03 0.03 0.03 0.03 0.03

0.02 0.03 0.03 0.03 0.03

0.30 0.31 0.33 0.35 0.37

0.16 0.16 0.17 0.18 0.19

0.08 0.08 0.09 0.09 0.10

0.03 0.03 0.03 0.04 0.04

0.03 0.03 0.03 0.03 0.04

25 26 27 28 29

30 31 32 33 34

0.31 0.34 0.36 0.38 0.41

0.16 0.18 0.19 0.20 0.21

0.08 0.09 0.10 0.10 0.11

0.03 0.04 0.04 0.04 0.04

0.03 0.03 0.04 0.04 0.04

0.39 0.42 0.45 0.47 0.51

0.20 0.22 0.23 0.24 0.27

0.10 0.11 0.12 0.12 0.14

0.04 0.04 0.05 0.05 0.05

0.04 0.04 0.04 0.04 0.05

30 31 32 33 34

35 36 37 38 39

0.44 0.47 0.50 0.54 0.57

0.23 0.24 0.26 0.28 0.30

0.12 0.12 0.13 0.14 0.15

0.04 0.05 0.05 0.05 0.06

0.04 0.04 0.05 0.05 0.05

0.54 0.58 0.62 0.66 0.70

0.28 0.30 0.32 0.34 0.36

0.14 0.15 0.16 0.17 0.19

0.05 0.06 0.06 0.06 0.07

0.05 0.05 0.06 0.06 0.06

35 36 37 38 39

40 41 42 43 44

0.62 0.67 0.72 0.77 0.83

0.32 0.35 0.37 0.40 0.43

0.16 0.18 0.19 0.20 0.22

0.06 0.07 0.07 0.07 0.08

0.06 0.06 0.07 0.07 0.08

0.76 0.81 0.87 0.93 1.00

0.40 0.42 0.45 0.48 0.52

0.20 0.21 0.23 0.25 0.27

0.07 0.08 0.08 0.09 0.09

0.07 0.07 0.08 0.08 0.09

40 41 42 43 44

45 46 47 48 49

0.90 0.97 1.04 1.13 1.29

0.47 0.50 0.54 0.59 0.67

0.24 0.26 0.28 0.30 0.34

0.09 0.09 0.10 0.11 0.12

0.08 0.09 0.09 0.10 0.11

1.07 1.15 1.24 1.34 1.52

0.56 0.60 0.64 0.70 0.79

0.28 0.30 0.33 0.36 0.40

0.10 0.11 0.12 0.13 0.14

0.10 0.10 0.11 0.12 0.13

45 46 47 48 49

50 51 52 53 54

1.48 1.68 1.92 2.18 2.47

0.77 0.87 1.00 1.13 1.28

0.39 0.45 0.51 0.58 0.65

0.14 0.16 0.18 0.20 0.23

0.13 0.15 0.17 0.19 0.21

1.73 1.97 2.23 2.52 2.84

0.90 1.02 1.16 1.31 1.48

0.46 0.52 0.59 0.67 0.75

0.16 0.18 0.21 0.23 0.26

0.15 0.17 0.19 0.22 0.25

50 51 52 53 54

55 56 57 58 59

2.80 2.80 2.80 2.80 2.80

1.46 1.46 1.46 1.46 1.46

0.74 0.74 0.74 0.74 0.74

0.26 0.26 0.26 0.26 0.26

0.24 0.24 0.24 0.24 0.24

3.20 3.20 3.20 3.20 3.20

1.66 1.66 1.66 1.66 1.66

0.85 0.85 0.85 0.85 0.85

0.29 0.29 0.29 0.29 0.29

0.28 0.28 0.28 0.28 0.28

55 56 57 58 59

Coverage terminates at earliest of: (1) End of premium paying period (2) Proposer's attained age 60

BackBack to Table of of Contents to Table Contents

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 01/01/2020 Revised 1/2020

NEWBORN BENEFIT PLAN PLAN NB ISSUE AGES: 10-90 DAYS $5,000 TERM LIFE CERTIFICATE TERMINATION The first day of the month that the newborn becomes 12 months of age PREMIUM MODE $1 Single Premium CERTIFICATE FEATURES Non-renewable Non-convertible No local lodge dues MEDICAL CONSIDERATIONS Newborn must appear to be in good health with no serious health issues.

Newborn cannot be hospitalized at the time of application.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

10 YEAR LEVEL TERM PLAN CT-10 ISSUE AGES: 18-65 MINIMUM $50,000 - MAXIMUM $1,000,000 PREFERRED RATE MINIMUM - $100,000

PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft CERTIFICATE FEATURES Premiums increase at renewal Annual renewals after Age 65 Convertible to Whole Life to Age 70 RIDERS AVAILABLE Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-COMMISSIONABLE CERTIFICATE FEE

Annual Semi-Annual Quarterly Monthly Bank Draft

$60.00 $30.00 $15.00 $5.00 $5.00

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

PLAN CT-10 10-Year Term

Plan Description: This certificate is a 10-year term plan with a level death benefit. The last year of 10-year renewals is age 65. Thereafter the certificate is renewable on oneyear term renewable rates up to age 90. The face amount is payable if the death of the Member occurs during the term period. These certificates do not accumulate any cash values, and there are no certificate features such as reduced paid-up insurance, automatic premium loans or extended term insurance. There will be no refund check issued on these certificates.

Premiums: Premiums are payable during the term of the certificate, and increase on each renewal with the attained age of the Member. The premium rates may be raised or lowered for all Members in the same class, but the rates may not exceed the maximum premiums, which will be shown in the certificate. Premiums are banded by certificate size and vary by sex and smoking category.

Conversion Privilege: The certificate may be converted to a permanent plan of life insurance at any time until the anniversary date of the certificate before the insured turns age 70. The newly converted certificate will be issued with a current issue date, with the insured’s current, attained age, on a certificate form and with the premium rate then in use by Hermann Sons Life.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 07/15/2021

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE PREFERRED NON-TOBACCO $100,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.72 0.37 0.72 0.37 0.72 0.37 0.74 0.38 0.76 0.40 0.78 0.41 0.81 0.42 0.83 0.43 0.83 0.43 0.83 0.43 0.83 0.43 0.83 0.43 0.83 0.43 0.85 0.44 0.89 0.46 0.93 0.48 0.97 0.50 1.01 0.53 1.06 0.55 1.12 0.58 1.18 0.61 1.24 0.64 1.30 0.68 1.38 0.72 1.46 0.76 1.54 0.80 1.63 0.85 1.73 0.90 1.86 0.97 2.00 1.04 2.16 1.12 2.32 1.21 2.50 1.30 2.72 1.41 2.97 1.54 3.23 1.68 3.52 1.83 3.83 1.99 4.17 2.17 4.54 2.36 4.95 2.57 5.39 2.80 5.87 3.05 6.40 3.33 6.98 3.63 7.61 3.96 8.30 4.32 9.05 4.71

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.19 0.19 0.19 0.20 0.20 0.21 0.21 0.22 0.22 0.22 0.22 0.22 0.22 0.23 0.24 0.25 0.26 0.27 0.28 0.30 0.31 0.33 0.34 0.37 0.39 0.41 0.43 0.46 0.49 0.53 0.57 0.61 0.66 0.72 0.79 0.86 0.93 1.01 1.11 1.20 1.31 1.43 1.56 1.70 1.85 2.02 2.20 2.40

$250,000 TO $1,000,000 MONTHLY 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.09 0.10 0.10 0.11 0.11 0.12 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.30 0.32 0.35 0.38 0.41 0.45 0.49 0.53 0.58 0.63 0.69 0.75 0.82

BANK DRAFT 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.11 0.12 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.19 0.20 0.22 0.24 0.26 0.28 0.30 0.33 0.36 0.39 0.43 0.46 0.50 0.55 0.60 0.65 0.71 0.77

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

SEMIANNUAL ANNUAL 0.67 0.35 0.67 0.35 0.67 0.35 0.69 0.36 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.71 0.37 0.73 0.38 0.76 0.40 0.80 0.42 0.84 0.44 0.87 0.45 0.89 0.46 0.94 0.49 1.00 0.52 1.06 0.55 1.14 0.59 1.21 0.63 1.29 0.67 1.37 0.71 1.46 0.76 1.57 0.82 1.66 0.86 1.81 0.94 1.97 1.02 2.16 1.12 2.38 1.24 2.62 1.36 2.89 1.50 3.18 1.65 3.47 1.80 3.78 1.97 4.12 2.14 4.49 2.33 4.90 2.55 5.34 2.78 5.82 3.03 6.35 3.30 6.82 3.55 7.35 3.82 7.97 4.14 8.68 4.51

QUARTERLY 0.18 0.18 0.18 0.18 0.19 0.19 0.19 0.19 0.19 0.19 0.19 0.19 0.19 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.28 0.30 0.32 0.34 0.36 0.39 0.42 0.44 0.48 0.52 0.57 0.63 0.69 0.77 0.84 0.92 1.00 1.09 1.19 1.30 1.42 1.54 1.68 1.81 1.95 2.11 2.30

MONTHLY 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.20 0.22 0.24 0.27 0.29 0.32 0.35 0.38 0.41 0.45 0.49 0.53 0.58 0.62 0.67 0.72 0.79

BANK DRAFT 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.08 0.09 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.19 0.21 0.23 0.25 0.28 0.30 0.33 0.36 0.39 0.42 0.46 0.50 0.54 0.58 0.63 0.68 0.74

Revised 01/01/2020

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE PREFERRED NON-TOBACCO $100,000 TO $249,999 ATTAINED AGE ANNUAL 28 2.35 29 2.35 30 2.35 31 2.43 32 2.45 33 2.45 34 2.45 35 2.45 36 2.62 37 2.79 38 2.98 39 3.18 40 3.40 41 3.63 42 3.84 43 4.06 44 4.30 45 4.55 46 4.88 47 5.23 48 5.61 49 6.02 50 6.45 51 7.03 52 7.66 53 8.34 54 9.09 55 9.90 56 10.88 57 11.95 58 13.13 59 14.43 60 15.85 61 17.68 62 19.71 63 21.98 64 24.52 65 27.34 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

38.90 40.08 43.26 46.81 50.94 55.96 61.81 67.89 74.35 81.33 89.14 98.19 108.66 120.29 133.16 147.02 161.50 177.17 194.45 213.52 234.34 256.58 279.97 304.17

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 1.22 1.22 1.22 1.26 1.27 1.27 1.27 1.27 1.36 1.45 1.55 1.65 1.77 1.89 2.00 2.11 2.24 2.37 2.54 2.72 2.92 3.13 3.35 3.66 3.98 4.34 4.73 5.15 5.66 6.21 6.83 7.50 8.24 9.19 10.25 11.43 12.75 14.22 20.23 20.84 22.50 24.34 26.49 29.10 32.14 35.30 38.66 42.29 46.35 51.06 56.50 62.55 69.24 76.45 83.98 92.13 101.11 111.03 121.86 133.42 145.58 158.17

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.62 0.22 0.20 1.70 0.88 0.45 0.62 0.22 0.20 1.73 0.90 0.46 0.62 0.22 0.20 1.77 0.92 0.47 0.64 0.22 0.21 1.83 0.95 0.48 0.65 0.23 0.21 1.91 0.99 0.51 0.65 0.23 0.21 2.01 1.05 0.53 0.65 0.23 0.21 2.10 1.09 0.56 0.65 0.23 0.21 2.21 1.15 0.59 0.69 0.24 0.23 2.33 1.21 0.62 0.74 0.26 0.24 2.44 1.27 0.65 0.79 0.27 0.26 2.60 1.35 0.69 0.84 0.29 0.28 2.74 1.42 0.73 0.90 0.31 0.29 2.87 1.49 0.76 0.96 0.33 0.31 3.05 1.59 0.81 1.02 0.35 0.33 3.27 1.70 0.87 1.08 0.37 0.35 3.48 1.81 0.92 1.14 0.39 0.37 3.72 1.93 0.99 1.21 0.41 0.39 4.01 2.09 1.06 1.29 0.44 0.42 4.34 2.26 1.15 1.39 0.48 0.45 4.70 2.44 1.25 1.49 0.51 0.48 5.10 2.65 1.35 1.60 0.55 0.52 5.58 2.90 1.48 1.71 0.59 0.55 6.10 3.17 1.62 1.86 0.64 0.60 6.69 3.48 1.77 2.03 0.69 0.66 7.36 3.83 1.95 2.21 0.76 0.71 8.10 4.21 2.15 2.41 0.82 0.78 8.91 4.63 2.36 2.62 0.90 0.85 9.82 5.11 2.60 2.88 0.98 0.93 10.82 5.63 2.87 3.17 1.08 1.02 11.91 6.19 3.16 3.48 1.19 1.12 13.13 6.83 3.48 3.82 1.30 1.23 14.43 7.50 3.82 4.20 1.43 1.35 15.85 8.24 4.20 4.69 1.60 1.51 17.68 9.19 4.69 5.22 1.78 1.68 19.63 10.21 5.20 5.82 1.98 1.87 21.97 11.42 5.82 6.50 2.21 2.09 24.45 12.71 6.48 7.25 2.47 2.33 27.23 14.16 7.22 ** The Premiums Below Are YRT For One Year Renewal Only ** 10.31 3.51 3.31 38.90 20.23 10.31 10.62 3.61 3.41 40.08 20.84 10.62 11.46 3.90 3.68 43.26 22.50 11.46 12.40 4.22 3.98 46.81 24.34 12.40 13.50 4.59 4.33 50.94 26.49 13.50 14.83 5.04 4.76 55.96 29.10 14.83 16.38 5.57 5.26 61.81 32.14 16.38 17.99 6.12 5.78 67.89 35.30 17.99 19.70 6.70 6.32 74.35 38.66 19.70 21.55 7.32 6.92 81.33 42.29 21.55 23.62 8.03 7.58 89.14 46.35 23.62 26.02 8.84 8.35 98.19 51.06 26.02 28.79 9.78 9.24 108.66 56.50 28.79 31.88 10.83 10.23 120.29 62.55 31.88 35.29 11.99 11.32 133.16 69.24 35.29 38.96 13.24 12.50 147.02 76.45 38.96 42.80 14.54 13.73 161.50 83.98 42.80 46.95 15.95 15.06 177.17 92.13 46.95 51.53 17.51 16.53 194.45 101.11 51.53 56.58 19.22 18.15 213.52 111.03 56.58 62.10 21.10 19.92 234.34 121.86 62.10 67.99 23.10 21.81 256.58 133.42 67.99 74.19 25.20 23.80 279.97 145.58 74.19 80.61 27.38 25.86 304.17 158.17 80.61

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.16 0.16 0.16 0.17 0.18 0.19 0.19 0.20 0.21 0.22 0.24 0.25 0.26 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.46 0.51 0.55 0.61 0.67 0.73 0.81 0.89 0.98 1.08 1.19 1.30 1.43 1.60 1.77 1.98 2.21 2.46

BANK DRAFT 0.15 0.15 0.16 0.16 0.17 0.18 0.18 0.19 0.20 0.21 0.23 0.24 0.25 0.26 0.28 0.30 0.32 0.35 0.37 0.40 0.44 0.48 0.52 0.57 0.63 0.69 0.76 0.84 0.92 1.02 1.12 1.23 1.35 1.51 1.67 1.87 2.08 2.32

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

3.51 3.61 3.90 4.22 4.59 5.04 5.57 6.12 6.70 7.32 8.03 8.84 9.78 10.83 11.99 13.24 14.54 15.95 17.51 19.22 21.10 23.10 25.20 27.38

3.31 3.41 3.68 3.98 4.33 4.76 5.26 5.78 6.32 6.92 7.58 8.35 9.24 10.23 11.32 12.50 13.73 15.06 16.53 18.15 19.92 21.81 23.80 25.86

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE PREFERRED NON-TOBACCO $100,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.49 0.25 0.49 0.25 0.49 0.25 0.49 0.25 0.50 0.26 0.50 0.26 0.51 0.27 0.51 0.27 0.53 0.28 0.54 0.28 0.56 0.29 0.58 0.30 0.60 0.31 0.63 0.33 0.65 0.34 0.68 0.35 0.71 0.37 0.74 0.38 0.78 0.41 0.82 0.43 0.87 0.45 0.91 0.47 0.96 0.50 1.03 0.54 1.10 0.57 1.17 0.61 1.25 0.65 1.34 0.70 1.44 0.75 1.56 0.81 1.68 0.87 1.81 0.94 1.95 1.01 2.10 1.09 2.27 1.18 2.44 1.27 2.63 1.37 2.84 1.48 3.08 1.60 3.34 1.74 3.62 1.88 3.93 2.04 4.26 2.22 4.68 2.43 5.14 2.67 5.65 2.94 6.21 3.23 6.82 3.55

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.13 0.13 0.13 0.13 0.13 0.13 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.29 0.31 0.33 0.36 0.38 0.41 0.45 0.48 0.52 0.56 0.60 0.65 0.70 0.75 0.82 0.89 0.96 1.04 1.13 1.24 1.36 1.50 1.65 1.81

$250,000 TO $1,000,000 MONTHLY 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.13 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.33 0.36 0.39 0.43 0.47 0.51 0.56 0.62

BANK DRAFT 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.29 0.31 0.34 0.37 0.40 0.44 0.49 0.53 0.58

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

SEMIANNUAL ANNUAL 0.44 0.23 0.44 0.23 0.44 0.23 0.44 0.23 0.45 0.23 0.45 0.23 0.46 0.24 0.46 0.24 0.46 0.24 0.46 0.24 0.48 0.25 0.50 0.26 0.53 0.28 0.55 0.29 0.59 0.31 0.62 0.32 0.66 0.34 0.68 0.35 0.68 0.35 0.71 0.37 0.76 0.40 0.80 0.42 0.87 0.45 0.94 0.49 1.01 0.53 1.07 0.56 1.15 0.60 1.24 0.64 1.24 0.64 1.34 0.70 1.46 0.76 1.59 0.83 1.74 0.90 1.90 0.99 2.07 1.08 2.25 1.17 2.45 1.27 2.66 1.38 2.89 1.50 3.14 1.63 3.41 1.77 3.70 1.92 4.02 2.09 4.36 2.27 4.76 2.48 5.22 2.71 5.75 2.99 6.34 3.30

QUARTERLY 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.13 0.13 0.14 0.15 0.16 0.16 0.17 0.18 0.18 0.19 0.20 0.21 0.23 0.25 0.27 0.28 0.30 0.33 0.33 0.36 0.39 0.42 0.46 0.50 0.55 0.60 0.65 0.70 0.77 0.83 0.90 0.98 1.07 1.16 1.26 1.38 1.52 1.68

MONTHLY 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.18 0.19 0.21 0.23 0.24 0.27 0.29 0.31 0.34 0.37 0.40 0.43 0.47 0.52 0.58

BANK DRAFT 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.09 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.41 0.45 0.49 0.54

Revised 01/01/2020

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE PREFERRED NON-TOBACCO $100,000 TO $249,999 ATTAINED AGE ANNUAL 28 1.49 29 1.49 30 1.49 31 1.56 32 1.62 33 1.70 34 1.77 35 1.85 36 1.95 37 2.05 38 2.16 39 2.28 40 2.40 41 2.58 42 2.77 43 2.97 44 3.19 45 3.43 46 3.72 47 4.04 48 4.38 49 4.75 50 5.15 51 5.61 52 6.11 53 6.66 54 7.25 55 7.90 56 8.61 57 9.38 58 10.22 59 11.13 60 12.13 61 13.46 62 14.94 63 16.58 64 18.41 65 20.43 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

27.35 30.44 33.81 37.25 41.34 44.67 48.51 52.92 57.88 63.44 69.57 76.29 83.58 91.41 99.80 108.72 118.82 129.88 141.65 153.87 166.24 178.75 191.31 201.72

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 0.77 0.77 0.77 0.81 0.84 0.88 0.92 0.96 1.01 1.07 1.12 1.19 1.25 1.34 1.44 1.54 1.66 1.78 1.93 2.10 2.28 2.47 2.68 2.92 3.18 3.46 3.77 4.11 4.48 4.88 5.31 5.79 6.31 7.00 7.77 8.62 9.57 10.62 14.22 15.83 17.58 19.37 21.50 23.23 25.23 27.52 30.10 32.99 36.18 39.67 43.46 47.53 51.90 56.53 61.79 67.54 73.66 80.01 86.44 92.95 99.48 104.89

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.39 0.14 0.13 1.00 0.52 0.27 0.39 0.14 0.13 1.07 0.56 0.28 0.39 0.14 0.13 1.13 0.59 0.30 0.41 0.15 0.14 1.19 0.62 0.32 0.43 0.15 0.14 1.28 0.67 0.34 0.45 0.16 0.15 1.36 0.71 0.36 0.47 0.16 0.16 1.45 0.75 0.38 0.49 0.17 0.16 1.52 0.79 0.40 0.52 0.18 0.17 1.61 0.84 0.43 0.54 0.19 0.18 1.71 0.89 0.45 0.57 0.20 0.19 1.80 0.94 0.48 0.60 0.21 0.20 1.92 1.00 0.51 0.64 0.22 0.21 2.05 1.07 0.54 0.68 0.24 0.22 2.20 1.14 0.58 0.73 0.25 0.24 2.35 1.22 0.62 0.79 0.27 0.26 2.53 1.32 0.67 0.85 0.29 0.28 2.74 1.42 0.73 0.91 0.31 0.30 2.99 1.55 0.79 0.99 0.34 0.32 3.29 1.71 0.87 1.07 0.37 0.35 3.60 1.87 0.95 1.16 0.40 0.38 3.95 2.05 1.05 1.26 0.43 0.41 4.33 2.25 1.15 1.36 0.47 0.44 4.71 2.45 1.25 1.49 0.51 0.48 5.17 2.69 1.37 1.62 0.55 0.52 5.67 2.95 1.50 1.76 0.60 0.57 6.21 3.23 1.65 1.92 0.66 0.62 6.81 3.54 1.80 2.09 0.72 0.68 7.51 3.91 1.99 2.28 0.78 0.74 8.23 4.28 2.18 2.49 0.85 0.80 9.10 4.73 2.41 2.71 0.92 0.87 10.04 5.22 2.66 2.95 1.01 0.95 11.06 5.75 2.93 3.21 1.10 1.04 12.13 6.31 3.21 3.57 1.22 1.15 13.30 6.92 3.52 3.96 1.35 1.27 14.62 7.60 3.87 4.39 1.50 1.41 16.26 8.46 4.31 4.88 1.66 1.57 17.95 9.33 4.76 5.41 1.84 1.74 19.84 10.32 5.26 ** The Premiums Below Are YRT For One Year Renewal Only ** 7.25 2.47 2.33 27.35 14.22 7.25 8.07 2.74 2.59 30.44 15.83 8.07 8.96 3.05 2.88 33.81 17.58 8.96 9.87 3.36 3.17 37.25 19.37 9.87 10.96 3.73 3.52 41.34 21.50 10.96 11.84 4.03 3.80 44.67 23.23 11.84 12.86 4.37 4.13 48.51 25.23 12.86 14.02 4.77 4.50 52.92 27.52 14.02 15.34 5.21 4.92 57.88 30.10 15.34 16.81 5.71 5.40 63.44 32.99 16.81 18.44 6.27 5.92 69.57 36.18 18.44 20.22 6.87 6.49 76.29 39.67 20.22 22.15 7.53 7.11 83.58 43.46 22.15 24.22 8.23 7.77 91.41 47.53 24.22 26.45 8.99 8.49 99.80 51.90 26.45 28.81 9.79 9.25 108.72 56.53 28.81 31.49 10.70 10.10 118.82 61.79 31.49 34.42 11.69 11.04 129.88 67.54 34.42 37.54 12.75 12.05 141.65 73.66 37.54 40.78 13.85 13.08 153.87 80.01 40.78 44.05 14.97 14.14 166.24 86.44 44.05 47.37 16.09 15.20 178.75 92.95 47.37 50.70 17.22 16.27 191.31 99.48 50.70 53.46 18.16 17.15 201.72 104.89 53.46

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.22 0.23 0.25 0.27 0.30 0.33 0.36 0.39 0.43 0.47 0.52 0.56 0.62 0.68 0.75 0.82 0.91 1.00 1.10 1.20 1.32 1.47 1.62 1.79

BANK DRAFT 0.09 0.10 0.10 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.41 0.44 0.49 0.53 0.58 0.64 0.70 0.78 0.86 0.95 1.04 1.14 1.25 1.39 1.53 1.69

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

2.47 2.74 3.05 3.36 3.73 4.03 4.37 4.77 5.21 5.71 6.27 6.87 7.53 8.23 8.99 9.79 10.70 11.69 12.75 13.85 14.97 16.09 17.22 18.16

2.33 2.59 2.88 3.17 3.52 3.80 4.13 4.50 4.92 5.40 5.92 6.49 7.11 7.77 8.49 9.25 10.10 11.04 12.05 13.08 14.14 15.20 16.27 17.15

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE AND MALE PREFERRED NON-TOBACCO MAXIMUM GUARANTEED PREMIUMS

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

FEMALE PREFERRED MALE PREFERRED Rates for Ages 18 to 65 are for a period of 10 years based on initial issue age and renewal age SEMIQUARBANK SEMIQUARANNUAL ANNUAL TERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY MONTHLY 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.42 0.74 0.38 0.13 0.13 1.80 0.94 0.48 0.17 1.44 0.75 0.38 0.13 0.13 1.84 0.96 0.49 0.17 1.47 0.76 0.39 0.14 0.13 1.89 0.98 0.50 0.18 1.50 0.78 0.40 0.14 0.13 2.40 1.25 0.64 0.22 1.56 0.81 0.41 0.15 0.14 2.40 1.25 0.64 0.22 1.61 0.84 0.43 0.15 0.14 2.40 1.25 0.64 0.22 1.65 0.86 0.44 0.15 0.15 2.48 1.29 0.66 0.23 1.70 0.88 0.45 0.16 0.15 2.50 1.30 0.66 0.23 1.76 0.92 0.47 0.16 0.15 2.50 1.30 0.66 0.23 1.83 0.95 0.48 0.17 0.16 2.50 1.30 0.66 0.23 1.90 0.99 0.50 0.18 0.17 2.51 1.31 0.67 0.23 2.08 1.08 0.55 0.19 0.18 2.74 1.42 0.73 0.25 2.28 1.19 0.60 0.21 0.20 3.01 1.57 0.80 0.28 2.49 1.29 0.66 0.23 0.22 3.30 1.72 0.87 0.30 2.72 1.41 0.72 0.25 0.24 3.61 1.88 0.96 0.33 2.95 1.53 0.78 0.27 0.26 3.95 2.05 1.05 0.36 3.20 1.66 0.85 0.29 0.28 4.31 2.24 1.14 0.39 3.45 1.79 0.91 0.32 0.30 4.71 2.45 1.25 0.43 3.73 1.94 0.99 0.34 0.32 5.15 2.68 1.36 0.47 4.03 2.10 1.07 0.37 0.35 5.63 2.93 1.49 0.51 4.35 2.26 1.15 0.40 0.37 6.16 3.20 1.63 0.56 4.70 2.44 1.25 0.43 0.40 6.74 3.50 1.79 0.61 5.07 2.64 1.34 0.46 0.44 7.39 3.84 1.96 0.67 5.46 2.84 1.45 0.50 0.47 8.10 4.21 2.15 0.73 5.87 3.05 1.56 0.53 0.50 8.88 4.62 2.35 0.80 6.29 3.27 1.67 0.57 0.54 9.73 5.06 2.58 0.88 6.74 3.50 1.79 0.61 0.58 10.66 5.54 2.82 0.96 7.21 3.75 1.91 0.65 0.62 11.67 6.07 3.09 1.06 7.73 4.02 2.05 0.70 0.66 12.78 6.65 3.39 1.16 8.30 4.32 2.20 0.75 0.71 13.99 7.27 3.71 1.26 9.05 4.71 2.40 0.82 0.77 15.31 7.96 4.06 1.38 10.10 5.25 2.68 0.91 0.86 16.77 8.72 4.44 1.51 11.32 5.89 3.00 1.02 0.97 18.36 9.55 4.87 1.66 12.71 6.61 3.37 1.15 1.09 20.11 10.46 5.33 1.81 14.31 7.44 3.79 1.29 1.22 22.02 11.45 5.84 1.99 16.11 8.38 4.27 1.45 1.37 24.11 12.54 6.39 2.17 17.86 9.29 4.73 1.61 1.52 26.39 13.72 6.99 2.38 19.82 10.31 5.25 1.79 1.69 28.89 15.02 7.66 2.61 22.06 11.47 5.85 1.99 1.88 31.63 16.45 8.38 2.85 24.60 12.79 6.52 2.22 2.10 34.64 18.01 9.18 3.12 27.56 14.33 7.30 2.49 2.35 37.95 19.73 10.06 3.42 ** The Premiums Below Are YRT For One Year Renewal Only ** 27.35 14.22 7.25 2.47 2.33 38.90 20.23 10.31 3.51 30.44 15.83 8.07 2.74 2.59 40.08 20.84 10.62 3.61 33.81 17.58 8.96 3.05 2.88 43.26 22.50 11.46 3.90 37.25 19.37 9.87 3.36 3.17 46.81 24.34 12.40 4.22 41.34 21.50 10.96 3.73 3.52 50.94 26.49 13.50 4.59 44.67 23.23 11.84 4.03 3.80 55.96 29.10 14.83 5.04 48.51 25.23 12.86 4.37 4.13 61.81 32.14 16.38 5.57 52.92 27.52 14.02 4.77 4.50 67.89 35.30 17.99 6.12 57.88 30.10 15.34 5.21 4.92 74.35 38.66 19.70 6.70 63.44 32.99 16.81 5.71 5.40 81.33 42.29 21.55 7.32 69.57 36.18 18.44 6.27 5.92 89.14 46.35 23.62 8.03 76.29 39.67 20.22 6.87 6.49 98.19 51.06 26.02 8.84 83.58 43.46 22.15 7.53 7.11 108.66 56.50 28.79 9.78 91.41 47.53 24.22 8.23 7.77 120.29 62.55 31.88 10.83 99.80 51.90 26.45 8.99 8.49 133.16 69.24 35.29 11.99 108.72 56.53 28.81 9.79 9.25 147.02 76.45 38.96 13.24 118.82 61.79 31.49 10.70 10.10 161.50 83.98 42.80 14.54 129.88 67.54 34.42 11.69 11.04 177.17 92.13 46.95 15.95 141.65 73.66 37.54 12.75 12.05 194.45 101.11 51.53 17.51 153.87 80.01 40.78 13.85 13.08 213.52 111.03 56.58 19.22 166.24 86.44 44.05 14.97 14.14 234.34 121.86 62.10 21.10 178.75 92.95 47.37 16.09 15.20 256.58 133.42 67.99 23.10 191.31 99.48 50.70 17.22 16.27 279.97 145.58 74.19 25.20 201.72 104.89 53.46 18.16 17.15 304.17 158.17 80.61 27.38

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

BANK DRAFT 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.16 0.17 0.21 0.21 0.21 0.22 0.22 0.22 0.22 0.22 0.24 0.26 0.29 0.31 0.34 0.37 0.41 0.44 0.48 0.53 0.58 0.63 0.69 0.76 0.83 0.91 1.00 1.09 1.19 1.31 1.43 1.57 1.71 1.88 2.05 2.25 2.46 2.69 2.95 3.23

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

3.31 3.41 3.68 3.98 4.33 4.76 5.26 5.78 6.32 6.92 7.58 8.35 9.24 10.23 11.32 12.50 13.73 15.06 16.53 18.15 19.92 21.81 23.80 25.86

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020

Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE NON-TOBACCO

$50,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.91 0.47 0.91 0.47 0.91 0.47 0.91 0.47 0.91 0.47 0.91 0.47 0.92 0.48 0.92 0.48 0.92 0.48 0.93 0.48 0.93 0.48 0.95 0.49 0.97 0.50 1.01 0.53 1.06 0.55 1.13 0.59 1.17 0.61 1.21 0.63 1.28 0.67 1.35 0.70 1.42 0.74 1.50 0.78 1.58 0.82 1.68 0.87 1.79 0.93 1.90 0.99 2.02 1.05 2.15 1.12 2.32 1.21 2.51 1.31 2.71 1.41 2.93 1.52 3.17 1.65 3.47 1.80 3.79 1.97 4.15 2.16 4.54 2.36 4.96 2.58 5.40 2.81 5.89 3.06 6.42 3.34 6.99 3.63 7.62 3.96 8.30 4.32 9.04 4.70 9.84 5.12 10.72 5.57 11.67 6.07

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.24 0.25 0.25 0.25 0.26 0.27 0.28 0.30 0.31 0.32 0.34 0.36 0.38 0.40 0.42 0.45 0.47 0.50 0.54 0.57 0.61 0.67 0.72 0.78 0.84 0.92 1.00 1.10 1.20 1.31 1.43 1.56 1.70 1.85 2.02 2.20 2.40 2.61 2.84 3.09

$250,000 TO $1,000,000 MONTHLY 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.10 0.10 0.11 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.41 0.45 0.49 0.54 0.58 0.63 0.69 0.75 0.82 0.89 0.97 1.06

BANK DRAFT 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.09 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.22 0.24 0.25 0.27 0.30 0.33 0.36 0.39 0.43 0.46 0.51 0.55 0.60 0.65 0.71 0.77 0.84 0.92 1.00

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.86 0.45 0.91 0.47 0.96 0.50 1.01 0.53 1.06 0.55 1.10 0.57 1.15 0.60 1.22 0.63 1.30 0.68 1.39 0.72 1.49 0.77 1.60 0.83 1.70 0.88 1.82 0.95 1.96 1.02 2.10 1.09 2.25 1.17 2.46 1.28 2.66 1.38 2.88 1.50 3.12 1.62 3.42 1.78 3.74 1.94 4.10 2.13 4.49 2.33 4.91 2.55 5.35 2.78 5.84 3.04 6.37 3.31 6.94 3.61 7.57 3.94 8.25 4.29 8.99 4.67 9.79 5.09 10.67 5.55 11.62 6.04

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

QUARTERLY 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.24 0.25 0.27 0.28 0.29 0.30 0.32 0.34 0.37 0.39 0.42 0.45 0.48 0.52 0.56 0.60 0.65 0.70 0.76 0.83 0.91 0.99 1.09 1.19 1.30 1.42 1.55 1.69 1.84 2.01 2.19 2.38 2.59 2.83 3.08

MONTHLY 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.23 0.24 0.26 0.29 0.31 0.34 0.37 0.41 0.45 0.49 0.53 0.58 0.63 0.69 0.75 0.81 0.89 0.97 1.05

BANK DRAFT 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.30 0.32 0.35 0.39 0.42 0.46 0.50 0.55 0.59 0.65 0.71 0.77 0.84 0.91 0.99

Revised 01/01/2020

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE NON-TOBACCO

$50,000 TO $249,999 ATTAINED AGE ANNUAL 28 2.50 29 2.50 30 2.50 31 2.50 32 2.50 33 2.50 34 2.50 35 2.50 36 2.67 37 2.84 38 3.03 39 3.23 40 3.45 41 3.69 42 3.94 43 4.21 44 4.49 45 4.80 46 5.15 47 5.53 48 5.94 49 6.38 50 6.85 51 7.46 52 8.13 53 8.85 54 9.64 55 10.50 56 11.54 57 12.67 58 13.93 59 15.30 60 16.81 61 18.75 62 20.91 63 23.32 64 26.00 65 29.00 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

38.90 40.08 43.26 46.81 50.94 55.96 61.81 67.89 74.35 81.33 89.14 98.19 108.66 120.29 133.16 147.02 161.50 177.17 194.45 213.52 234.34 256.58 279.97 304.17

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 1.30 1.30 1.30 1.30 1.30 1.30 1.30 1.30 1.39 1.48 1.58 1.68 1.79 1.92 2.05 2.19 2.33 2.50 2.68 2.88 3.09 3.32 3.56 3.88 4.23 4.60 5.01 5.46 6.00 6.59 7.24 7.96 8.74 9.75 10.87 12.13 13.52 15.08 20.23 20.84 22.50 24.34 26.49 29.10 32.14 35.30 38.66 42.29 46.35 51.06 56.50 62.55 69.24 76.45 83.98 92.13 101.11 111.03 121.86 133.42 145.58 158.17

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.66 0.23 0.22 1.76 0.92 0.47 0.66 0.23 0.22 1.79 0.93 0.47 0.66 0.23 0.22 1.84 0.96 0.49 0.66 0.23 0.22 1.89 0.98 0.50 0.66 0.23 0.22 1.98 1.03 0.52 0.66 0.23 0.22 2.07 1.08 0.55 0.66 0.23 0.22 2.17 1.13 0.58 0.66 0.23 0.22 2.28 1.19 0.60 0.71 0.25 0.23 2.42 1.26 0.64 0.75 0.26 0.25 2.54 1.32 0.67 0.80 0.28 0.26 2.66 1.38 0.70 0.86 0.30 0.28 2.83 1.47 0.75 0.91 0.32 0.30 2.99 1.55 0.79 0.98 0.34 0.32 3.15 1.64 0.83 1.04 0.36 0.34 3.35 1.74 0.89 1.12 0.38 0.36 3.59 1.87 0.95 1.19 0.41 0.39 3.85 2.00 1.02 1.27 0.44 0.41 4.14 2.15 1.10 1.36 0.47 0.44 4.47 2.32 1.18 1.47 0.50 0.48 4.83 2.51 1.28 1.57 0.54 0.51 5.25 2.73 1.39 1.69 0.58 0.55 5.73 2.98 1.52 1.82 0.62 0.59 6.29 3.27 1.67 1.98 0.68 0.64 6.89 3.58 1.83 2.15 0.74 0.70 7.59 3.95 2.01 2.35 0.80 0.76 8.33 4.33 2.21 2.55 0.87 0.82 9.17 4.77 2.43 2.78 0.95 0.90 10.13 5.27 2.68 3.06 1.04 0.99 11.13 5.79 2.95 3.36 1.15 1.08 12.25 6.37 3.25 3.69 1.26 1.19 13.55 7.05 3.59 4.05 1.38 1.31 14.94 7.77 3.96 4.45 1.52 1.43 16.48 8.57 4.37 4.97 1.69 1.60 18.24 9.48 4.83 5.54 1.89 1.78 20.20 10.50 5.35 6.18 2.10 1.99 22.63 11.77 6.00 6.89 2.34 2.21 25.18 13.09 6.67 7.69 2.61 2.47 28.00 14.56 7.42 ** The Premiums Below Are YRT For One Year Renewal Only ** 10.31 3.51 3.31 38.90 20.23 10.31 10.62 3.61 3.41 40.08 20.84 10.62 11.46 3.90 3.68 43.26 22.50 11.46 12.40 4.22 3.98 46.81 24.34 12.40 13.50 4.59 4.33 50.94 26.49 13.50 14.83 5.04 4.76 55.96 29.10 14.83 16.38 5.57 5.26 61.81 32.14 16.38 17.99 6.12 5.78 67.89 35.30 17.99 19.70 6.70 6.32 74.35 38.66 19.70 21.55 7.32 6.92 81.33 42.29 21.55 23.62 8.03 7.58 89.14 46.35 23.62 26.02 8.84 8.35 98.19 51.06 26.02 28.79 9.78 9.24 108.66 56.50 28.79 31.88 10.83 10.23 120.29 62.55 31.88 35.29 11.99 11.32 133.16 69.24 35.29 38.96 13.24 12.50 147.02 76.45 38.96 42.80 14.54 13.73 161.50 83.98 42.80 46.95 15.95 15.06 177.17 92.13 46.95 51.53 17.51 16.53 194.45 101.11 51.53 56.58 19.22 18.15 213.52 111.03 56.58 62.10 21.10 19.92 234.34 121.86 62.10 67.99 23.10 21.81 256.58 133.42 67.99 74.19 25.20 23.80 279.97 145.58 74.19 80.61 27.38 25.86 304.17 158.17 80.61

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.16 0.17 0.17 0.18 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.29 0.31 0.33 0.35 0.38 0.41 0.44 0.48 0.52 0.57 0.63 0.69 0.75 0.83 0.92 1.01 1.11 1.22 1.35 1.49 1.65 1.82 2.04 2.27 2.52

BANK DRAFT 0.15 0.16 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.27 0.29 0.31 0.33 0.36 0.38 0.42 0.45 0.49 0.54 0.59 0.65 0.71 0.78 0.87 0.95 1.05 1.16 1.27 1.41 1.56 1.72 1.93 2.15 2.38

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

3.51 3.61 3.90 4.22 4.59 5.04 5.57 6.12 6.70 7.32 8.03 8.84 9.78 10.83 11.99 13.24 14.54 15.95 17.51 19.22 21.10 23.10 25.20 27.38

3.31 3.41 3.68 3.98 4.33 4.76 5.26 5.78 6.32 6.92 7.58 8.35 9.24 10.23 11.32 12.50 13.73 15.06 16.53 18.15 19.92 21.81 23.80 25.86

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE TOBACCO

$50,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 1.50 0.78 1.50 0.78 1.50 0.78 1.50 0.78 1.50 0.78 1.50 0.78 1.50 0.78 1.50 0.78 1.55 0.81 1.61 0.84 1.69 0.88 1.76 0.92 1.84 0.96 1.96 1.02 2.09 1.09 2.23 1.16 2.37 1.23 2.53 1.32 2.71 1.41 2.90 1.51 3.11 1.62 3.33 1.73 3.57 1.86 3.83 1.99 4.10 2.13 4.40 2.29 4.71 2.45 5.05 2.63 5.46 2.84 5.89 3.06 6.37 3.31 6.88 3.58 7.43 3.86 8.12 4.22 8.88 4.62 9.71 5.05 10.62 5.52 11.61 6.04 12.75 6.63 14.01 7.29 15.38 8.00 16.90 8.79 18.56 9.65 20.36 10.59 22.33 11.61 24.50 12.74 26.87 13.97 29.48 15.33

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.40 0.41 0.43 0.45 0.47 0.49 0.52 0.55 0.59 0.63 0.67 0.72 0.77 0.82 0.88 0.95 1.01 1.09 1.17 1.25 1.34 1.45 1.56 1.69 1.82 1.97 2.15 2.35 2.57 2.81 3.08 3.38 3.71 4.08 4.48 4.92 5.40 5.92 6.49 7.12 7.81

$250,000 TO $1,000,000 MONTHLY 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.15 0.16 0.16 0.17 0.18 0.19 0.21 0.22 0.23 0.25 0.27 0.28 0.30 0.33 0.35 0.37 0.40 0.43 0.46 0.50 0.54 0.58 0.62 0.67 0.74 0.80 0.88 0.96 1.05 1.15 1.27 1.39 1.53 1.68 1.84 2.01 2.21 2.42 2.66

BANK DRAFT 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.25 0.27 0.29 0.31 0.33 0.35 0.38 0.41 0.43 0.47 0.51 0.55 0.59 0.64 0.70 0.76 0.83 0.91 0.99 1.09 1.20 1.31 1.44 1.58 1.74 1.90 2.09 2.29 2.51

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.40 0.73 1.41 0.73 1.49 0.77 1.59 0.83 1.69 0.88 1.80 0.94 1.93 1.00 2.07 1.08 2.23 1.16 2.39 1.24 2.58 1.34 2.77 1.44 2.94 1.53 3.17 1.65 3.42 1.78 3.70 1.92 4.02 2.09 4.38 2.28 4.78 2.49 5.24 2.72 5.75 2.99 6.33 3.29 6.98 3.63 7.69 4.00 8.45 4.39 9.26 4.82 10.16 5.28 11.13 5.79 12.15 6.32 13.23 6.88 14.38 7.48 15.60 8.11 16.96 8.82 18.47 9.60 20.16 10.48

QUARTERLY 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.39 0.42 0.45 0.48 0.51 0.55 0.59 0.63 0.68 0.73 0.78 0.84 0.91 0.98 1.07 1.16 1.27 1.39 1.52 1.68 1.85 2.04 2.24 2.45 2.69 2.95 3.22 3.51 3.81 4.13 4.49 4.89 5.34

MONTHLY 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.25 0.27 0.29 0.31 0.34 0.37 0.40 0.44 0.48 0.52 0.57 0.63 0.70 0.77 0.84 0.92 1.01 1.10 1.20 1.30 1.41 1.53 1.67 1.82

BANK DRAFT 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.25 0.27 0.30 0.32 0.35 0.38 0.41 0.45 0.49 0.54 0.60 0.66 0.72 0.79 0.87 0.95 1.04 1.13 1.23 1.33 1.45 1.57 1.72

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE TOBACCO

$50,000 TO $249,999 ATTAINED AGE ANNUAL 28 3.47 29 3.47 30 3.47 31 3.66 32 3.87 33 4.08 34 4.31 35 4.55 36 4.85 37 5.17 38 5.50 39 5.87 40 6.25 41 6.69 42 7.15 43 7.65 44 8.18 45 8.75 46 9.43 47 10.16 48 10.94 49 11.79 50 12.70 51 13.84 52 15.08 53 16.43 54 17.90 55 19.50 56 21.60 57 23.93 58 26.51 59 29.37 60 32.54 61 36.40 62 40.71 63 45.53 64 50.93 65 56.96 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

45.67 49.85 55.29 62.16 70.45 79.19 89.05 99.87 111.52 123.85 136.74 150.08 163.81 177.94 192.53 208.06 225.47 244.56 264.95 286.04 307.36 328.92 350.60 372.39

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 1.80 1.80 1.80 1.90 2.01 2.12 2.24 2.37 2.52 2.69 2.86 3.05 3.25 3.48 3.72 3.98 4.25 4.55 4.90 5.28 5.69 6.13 6.60 7.20 7.84 8.54 9.31 10.14 11.23 12.44 13.79 15.27 16.92 18.93 21.17 23.68 26.48 29.62 23.75 25.92 28.75 32.32 36.63 41.18 46.31 51.93 57.99 64.40 71.10 78.04 85.18 92.53 100.12 108.19 117.24 127.17 137.77 148.74 159.83 171.04 182.31 193.64

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.92 0.32 0.30 2.15 1.12 0.57 0.92 0.32 0.30 2.21 1.15 0.59 0.92 0.32 0.30 2.31 1.20 0.61 0.97 0.33 0.32 2.43 1.26 0.64 1.03 0.35 0.33 2.57 1.34 0.68 1.08 0.37 0.35 2.70 1.40 0.72 1.14 0.39 0.37 2.88 1.50 0.76 1.21 0.41 0.39 3.05 1.59 0.81 1.29 0.44 0.42 3.27 1.70 0.87 1.37 0.47 0.44 3.49 1.81 0.92 1.46 0.50 0.47 3.71 1.93 0.98 1.56 0.53 0.50 3.96 2.06 1.05 1.66 0.57 0.54 4.22 2.19 1.12 1.77 0.61 0.57 4.51 2.35 1.20 1.89 0.65 0.61 4.85 2.52 1.29 2.03 0.69 0.66 5.18 2.69 1.37 2.17 0.74 0.70 5.56 2.89 1.47 2.32 0.79 0.75 6.01 3.13 1.59 2.50 0.85 0.81 6.47 3.36 1.71 2.69 0.92 0.87 6.98 3.63 1.85 2.90 0.99 0.93 7.58 3.94 2.01 3.12 1.07 1.01 8.24 4.28 2.18 3.37 1.15 1.08 9.01 4.69 2.39 3.67 1.25 1.18 9.82 5.11 2.60 4.00 1.36 1.29 10.77 5.60 2.85 4.35 1.48 1.40 11.89 6.18 3.15 4.74 1.62 1.53 13.05 6.79 3.46 5.17 1.76 1.66 14.36 7.47 3.81 5.72 1.95 1.84 15.96 8.30 4.23 6.34 2.16 2.04 17.57 9.14 4.66 7.03 2.39 2.26 19.37 10.07 5.13 7.78 2.65 2.50 21.39 11.12 5.67 8.62 2.93 2.77 23.60 12.27 6.25 9.65 3.28 3.10 26.07 13.56 6.91 10.79 3.67 3.47 28.81 14.98 7.63 12.07 4.10 3.88 32.96 17.14 8.73 13.50 4.59 4.33 36.55 19.01 9.69 15.09 5.13 4.85 40.48 21.05 10.73 ** The Premiums Below Are YRT For One Year Renewal Only ** 12.10 4.12 3.89 45.67 23.75 12.10 13.21 4.49 4.24 49.85 25.92 13.21 14.65 4.98 4.70 55.29 28.75 14.65 16.47 5.60 5.29 62.16 32.32 16.47 18.67 6.35 5.99 70.45 36.63 18.67 20.99 7.13 6.74 79.19 41.18 20.99 23.60 8.02 7.57 89.05 46.31 23.60 26.47 8.99 8.49 99.87 51.93 26.47 29.55 10.04 9.48 111.52 57.99 29.55 32.82 11.15 10.53 123.85 64.40 32.82 36.24 12.31 11.63 136.74 71.10 36.24 39.77 13.51 12.76 150.08 78.04 39.77 43.41 14.75 13.93 163.81 85.18 43.41 47.15 16.02 15.13 177.94 92.53 47.15 51.02 17.33 16.37 192.53 100.12 51.02 55.14 18.73 17.69 208.06 108.19 55.14 59.75 20.30 19.17 225.47 117.24 59.75 64.81 22.02 20.79 244.56 127.17 64.81 70.21 23.85 22.53 264.95 137.77 70.21 75.80 25.75 24.32 286.04 148.74 75.80 81.45 27.67 26.13 307.36 159.83 81.45 87.16 29.61 27.96 328.92 171.04 87.16 92.91 31.56 29.81 350.60 182.31 92.91 98.68 33.52 31.66 372.39 193.64 98.68

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.20 0.20 0.21 0.22 0.24 0.25 0.26 0.28 0.30 0.32 0.34 0.36 0.38 0.41 0.44 0.47 0.51 0.55 0.59 0.63 0.69 0.75 0.82 0.89 0.97 1.08 1.18 1.30 1.44 1.59 1.75 1.93 2.13 2.35 2.60 2.97 3.29 3.65

BANK DRAFT 0.19 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.30 0.32 0.34 0.36 0.39 0.42 0.45 0.48 0.52 0.55 0.60 0.65 0.71 0.77 0.84 0.92 1.02 1.11 1.23 1.36 1.50 1.65 1.82 2.01 2.22 2.45 2.81 3.11 3.45

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

4.12 4.49 4.98 5.60 6.35 7.13 8.02 8.99 10.04 11.15 12.31 13.51 14.75 16.02 17.33 18.73 20.30 22.02 23.85 25.75 27.67 29.61 31.56 33.52

3.89 4.24 4.70 5.29 5.99 6.74 7.57 8.49 9.48 10.53 11.63 12.76 13.93 15.13 16.37 17.69 19.17 20.79 22.53 24.32 26.13 27.96 29.81 31.66

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE NON-TOBACCO AND TOBACCO MAXIMUM GUARANTEED PREMIUMS

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

MALE NON-TOBACCO MALE TOBACCO Rates for Ages 18 to 65 are for a period of 10 years based on initial issue age and renewal age SEMIQUARBANK SEMIQUARBANK ANNUAL ANNUAL TERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY MONTHLY DRAFT 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.80 0.94 0.48 0.17 0.16 2.75 1.43 0.73 0.25 0.24 1.84 0.96 0.49 0.17 0.16 2.81 1.46 0.74 0.26 0.24 1.89 0.98 0.50 0.18 0.17 2.89 1.50 0.77 0.27 0.25 2.51 1.31 0.67 0.23 0.22 3.52 1.83 0.93 0.32 0.30 2.51 1.31 0.67 0.23 0.22 3.52 1.83 0.93 0.32 0.30 2.51 1.31 0.67 0.23 0.22 3.52 1.83 0.93 0.32 0.30 2.51 1.31 0.67 0.23 0.22 3.71 1.93 0.98 0.34 0.32 2.51 1.31 0.67 0.23 0.22 3.92 2.04 1.04 0.36 0.34 2.51 1.31 0.67 0.23 0.22 4.13 2.15 1.09 0.38 0.36 2.51 1.31 0.67 0.23 0.22 4.36 2.27 1.16 0.40 0.38 2.51 1.31 0.67 0.23 0.22 4.61 2.40 1.22 0.42 0.40 2.74 1.42 0.73 0.25 0.24 4.96 2.58 1.31 0.45 0.43 3.01 1.57 0.80 0.28 0.26 5.32 2.77 1.41 0.48 0.46 3.30 1.72 0.87 0.30 0.29 5.71 2.97 1.51 0.52 0.49 3.61 1.88 0.96 0.33 0.31 6.13 3.19 1.62 0.56 0.53 3.95 2.05 1.05 0.36 0.34 6.58 3.42 1.74 0.60 0.56 4.31 2.24 1.14 0.39 0.37 7.17 3.73 1.90 0.65 0.61 4.71 2.45 1.25 0.43 0.41 7.81 4.06 2.07 0.71 0.67 5.15 2.68 1.36 0.47 0.44 8.49 4.41 2.25 0.77 0.73 5.63 2.93 1.49 0.51 0.48 9.25 4.81 2.45 0.84 0.79 6.16 3.20 1.63 0.56 0.53 10.07 5.24 2.67 0.91 0.86 6.74 3.50 1.79 0.61 0.58 10.99 5.71 2.91 0.99 0.94 7.39 3.84 1.96 0.67 0.63 12.00 6.24 3.18 1.08 1.02 8.10 4.21 2.15 0.73 0.69 13.08 6.80 3.47 1.18 1.12 8.88 4.62 2.35 0.80 0.76 14.29 7.43 3.79 1.29 1.22 9.73 5.06 2.58 0.88 0.83 15.60 8.11 4.13 1.41 1.33 10.66 5.54 2.82 0.96 0.91 16.90 8.79 4.48 1.53 1.44 11.67 6.07 3.09 1.06 1.00 18.32 9.53 4.85 1.65 1.56 12.78 6.65 3.39 1.16 1.09 19.86 10.33 5.26 1.79 1.69 13.99 7.27 3.71 1.26 1.19 21.56 11.21 5.71 1.95 1.84 15.31 7.96 4.06 1.38 1.31 23.42 12.18 6.21 2.11 2.00 16.77 8.72 4.44 1.51 1.43 25.48 13.25 6.75 2.30 2.17 18.36 9.55 4.87 1.66 1.57 27.76 14.44 7.36 2.50 2.36 20.11 10.46 5.33 1.81 1.71 30.28 15.75 8.02 2.73 2.58 22.02 11.45 5.84 1.99 1.88 33.07 17.20 8.76 2.98 2.82 24.11 12.54 6.39 2.17 2.05 36.14 18.79 9.58 3.26 3.08 26.39 13.72 6.99 2.38 2.25 39.32 20.45 10.42 3.54 3.35 28.89 15.02 7.66 2.61 2.46 42.82 22.27 11.35 3.86 3.64 31.63 16.45 8.38 2.85 2.69 46.69 24.28 12.37 4.21 3.97 34.64 18.01 9.18 3.12 2.95 50.99 26.51 13.51 4.59 4.34 37.95 19.73 10.06 3.42 3.23 56.96 29.62 15.09 5.13 4.85 ** The Premiums Below Are YRT For One Year Renewal Only ** 38.90 20.23 10.31 3.51 3.31 45.67 23.75 12.10 4.12 3.89 40.08 20.84 10.62 3.61 3.41 49.85 25.92 13.21 4.49 4.24 43.26 22.50 11.46 3.90 3.68 55.29 28.75 14.65 4.98 4.70 46.81 24.34 12.40 4.22 3.98 62.16 32.32 16.47 5.60 5.29 50.94 26.49 13.50 4.59 4.33 70.45 36.63 18.67 6.35 5.99 55.96 29.10 14.83 5.04 4.76 79.19 41.18 20.99 7.13 6.74 61.81 32.14 16.38 5.57 5.26 89.05 46.31 23.60 8.02 7.57 67.89 35.30 17.99 6.12 5.78 99.87 51.93 26.47 8.99 8.49 74.35 38.66 19.70 6.70 6.32 111.52 57.99 29.55 10.04 9.48 81.33 42.29 21.55 7.32 6.92 123.85 64.40 32.82 11.15 10.53 89.14 46.35 23.62 8.03 7.58 136.74 71.10 36.24 12.31 11.63 98.19 51.06 26.02 8.84 8.35 150.08 78.04 39.77 13.51 12.76 108.66 56.50 28.79 9.78 9.24 163.81 85.18 43.41 14.75 13.93 120.29 62.55 31.88 10.83 10.23 177.94 92.53 47.15 16.02 15.13 133.16 69.24 35.29 11.99 11.32 192.53 100.12 51.02 17.33 16.37 147.02 76.45 38.96 13.24 12.50 208.06 108.19 55.14 18.73 17.69 161.50 83.98 42.80 14.54 13.73 225.47 117.24 59.75 20.30 19.17 177.17 92.13 46.95 15.95 15.06 244.56 127.17 64.81 22.02 20.79 194.45 101.11 51.53 17.51 16.53 264.95 137.77 70.21 23.85 22.53 213.52 111.03 56.58 19.22 18.15 286.04 148.74 75.80 25.75 24.32 234.34 121.86 62.10 21.10 19.92 307.36 159.83 81.45 27.67 26.13 256.58 133.42 67.99 23.10 21.81 328.92 171.04 87.16 29.61 27.96 279.97 145.58 74.19 25.20 23.80 350.60 182.31 92.91 31.56 29.81 304.17 158.17 80.61 27.38 25.86 372.39 193.64 98.68 33.52 31.66

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020

Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included) FEMALE NON-TOBACCO

$50,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.56 0.29 0.56 0.29 0.56 0.29 0.56 0.29 0.56 0.29 0.57 0.30 0.57 0.30 0.57 0.30 0.59 0.31 0.61 0.32 0.63 0.33 0.66 0.34 0.68 0.35 0.71 0.37 0.75 0.39 0.79 0.41 0.83 0.43 0.87 0.45 0.92 0.48 0.97 0.50 1.03 0.54 1.09 0.57 1.15 0.60 1.23 0.64 1.32 0.69 1.42 0.74 1.52 0.79 1.63 0.85 1.77 0.92 1.91 0.99 2.07 1.08 2.24 1.16 2.43 1.26 2.63 1.37 2.85 1.48 3.08 1.60 3.34 1.74 3.61 1.88 3.92 2.04 4.26 2.22 4.62 2.40 5.02 2.61 5.45 2.83 5.99 3.11 6.58 3.42 7.23 3.76 7.94 4.13 8.73 4.54

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.27 0.29 0.30 0.33 0.35 0.38 0.40 0.43 0.47 0.51 0.55 0.59 0.64 0.70 0.76 0.82 0.89 0.96 1.04 1.13 1.22 1.33 1.44 1.59 1.74 1.92 2.10 2.31

$250,000 TO $1,000,000 MONTHLY 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.33 0.36 0.39 0.42 0.46 0.50 0.54 0.60 0.66 0.72 0.79

BANK DRAFT 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.13 0.14 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.29 0.31 0.34 0.37 0.40 0.43 0.47 0.51 0.56 0.62 0.68 0.75

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.51 0.27 0.51 0.27 0.51 0.27 0.51 0.27 0.51 0.27 0.52 0.27 0.52 0.27 0.52 0.27 0.53 0.28 0.55 0.29 0.57 0.30 0.60 0.31 0.63 0.33 0.66 0.34 0.70 0.36 0.74 0.38 0.78 0.41 0.82 0.43 0.85 0.44 0.91 0.47 0.97 0.50 1.04 0.54 1.10 0.57 1.18 0.61 1.27 0.66 1.37 0.71 1.47 0.76 1.58 0.82 1.65 0.86 1.79 0.93 1.96 1.02 2.15 1.12 2.36 1.23 2.58 1.34 2.80 1.46 3.03 1.58 3.29 1.71 3.56 1.85 3.87 2.01 4.21 2.19 4.57 2.38 4.97 2.58 5.40 2.81 5.94 3.09 6.53 3.40 7.18 3.73 7.89 4.10 8.68 4.51

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

QUARTERLY 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.28 0.29 0.31 0.34 0.36 0.39 0.42 0.44 0.47 0.52 0.57 0.63 0.68 0.74 0.80 0.87 0.94 1.03 1.12 1.21 1.32 1.43 1.57 1.73 1.90 2.09 2.30

MONTHLY 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.20 0.22 0.24 0.26 0.28 0.30 0.33 0.35 0.38 0.42 0.45 0.49 0.54 0.59 0.65 0.72 0.79

BANK DRAFT 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.09 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.33 0.36 0.39 0.43 0.46 0.51 0.56 0.62 0.68 0.74

Revised 01/01/2020

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included) FEMALE NON-TOBACCO

$50,000 TO $249,999 ATTAINED AGE ANNUAL 28 1.51 29 1.51 30 1.51 31 1.59 32 1.67 33 1.76 34 1.85 35 1.95 36 2.06 37 2.17 38 2.29 39 2.42 40 2.55 41 2.73 42 2.93 43 3.14 44 3.36 45 3.60 46 3.91 47 4.25 48 4.62 49 5.02 50 5.45 51 5.94 52 6.46 53 7.04 54 7.67 55 8.35 56 9.11 57 9.93 58 10.83 59 11.81 60 12.88 61 14.30 62 15.87 63 17.62 64 19.56 65 21.72 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

27.35 30.44 33.81 37.25 41.34 44.67 48.51 52.92 57.88 63.44 69.57 76.29 83.58 91.41 99.80 108.72 118.82 129.88 141.65 153.87 166.24 178.75 191.31 201.72

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 0.79 0.79 0.79 0.83 0.87 0.92 0.96 1.01 1.07 1.13 1.19 1.26 1.33 1.42 1.52 1.63 1.75 1.87 2.03 2.21 2.40 2.61 2.83 3.09 3.36 3.66 3.99 4.34 4.74 5.16 5.63 6.14 6.70 7.44 8.25 9.16 10.17 11.29 14.22 15.83 17.58 19.37 21.50 23.23 25.23 27.52 30.10 32.99 36.18 39.67 43.46 47.53 51.90 56.53 61.79 67.54 73.66 80.01 86.44 92.95 99.48 104.89

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.40 0.14 0.13 1.04 0.54 0.28 0.40 0.14 0.13 1.10 0.57 0.29 0.40 0.14 0.13 1.15 0.60 0.30 0.42 0.15 0.14 1.23 0.64 0.33 0.44 0.16 0.15 1.30 0.68 0.34 0.47 0.16 0.15 1.37 0.71 0.36 0.49 0.17 0.16 1.46 0.76 0.39 0.52 0.18 0.17 1.56 0.81 0.41 0.55 0.19 0.18 1.66 0.86 0.44 0.58 0.20 0.19 1.76 0.92 0.47 0.61 0.21 0.20 1.86 0.97 0.49 0.64 0.22 0.21 1.98 1.03 0.52 0.68 0.23 0.22 2.11 1.10 0.56 0.72 0.25 0.24 2.26 1.18 0.60 0.78 0.27 0.25 2.43 1.26 0.64 0.83 0.29 0.27 2.61 1.36 0.69 0.89 0.31 0.29 2.84 1.48 0.75 0.95 0.33 0.31 3.10 1.61 0.82 1.04 0.36 0.34 3.39 1.76 0.90 1.13 0.39 0.37 3.70 1.92 0.98 1.22 0.42 0.40 4.08 2.12 1.08 1.33 0.46 0.43 4.45 2.31 1.18 1.44 0.50 0.47 4.87 2.53 1.29 1.57 0.54 0.51 5.32 2.77 1.41 1.71 0.59 0.55 5.84 3.04 1.55 1.87 0.64 0.60 6.39 3.32 1.69 2.03 0.70 0.66 7.03 3.66 1.86 2.21 0.76 0.71 7.72 4.01 2.05 2.41 0.82 0.78 8.48 4.41 2.25 2.63 0.90 0.85 9.39 4.88 2.49 2.87 0.98 0.93 10.33 5.37 2.74 3.13 1.07 1.01 11.36 5.91 3.01 3.41 1.16 1.10 12.46 6.48 3.30 3.79 1.29 1.22 13.69 7.12 3.63 4.21 1.43 1.35 15.05 7.83 3.99 4.67 1.59 1.50 16.78 8.73 4.45 5.18 1.77 1.67 18.53 9.64 4.91 5.76 1.96 1.85 20.45 10.63 5.42 ** The Premiums Below Are YRT For One Year Renewal Only ** 7.25 2.47 2.33 27.35 14.22 7.25 8.07 2.74 2.59 30.44 15.83 8.07 8.96 3.05 2.88 33.81 17.58 8.96 9.87 3.36 3.17 37.25 19.37 9.87 10.96 3.73 3.52 41.34 21.50 10.96 11.84 4.03 3.80 44.67 23.23 11.84 12.86 4.37 4.13 48.51 25.23 12.86 14.02 4.77 4.50 52.92 27.52 14.02 15.34 5.21 4.92 57.88 30.10 15.34 16.81 5.71 5.40 63.44 32.99 16.81 18.44 6.27 5.92 69.57 36.18 18.44 20.22 6.87 6.49 76.29 39.67 20.22 22.15 7.53 7.11 83.58 43.46 22.15 24.22 8.23 7.77 91.41 47.53 24.22 26.45 8.99 8.49 99.80 51.90 26.45 28.81 9.79 9.25 108.72 56.53 28.81 31.49 10.70 10.10 118.82 61.79 31.49 34.42 11.69 11.04 129.88 67.54 34.42 37.54 12.75 12.05 141.65 73.66 37.54 40.78 13.85 13.08 153.87 80.01 40.78 44.05 14.97 14.14 166.24 86.44 44.05 47.37 16.09 15.20 178.75 92.95 47.37 50.70 17.22 16.27 191.31 99.48 50.70 53.46 18.16 17.15 201.72 104.89 53.46

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.31 0.34 0.37 0.41 0.44 0.48 0.53 0.58 0.64 0.70 0.77 0.85 0.93 1.03 1.13 1.24 1.36 1.52 1.67 1.85

BANK DRAFT 0.09 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.42 0.46 0.50 0.55 0.60 0.66 0.73 0.80 0.88 0.97 1.06 1.17 1.28 1.43 1.58 1.74

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

2.47 2.74 3.05 3.36 3.73 4.03 4.37 4.77 5.21 5.71 6.27 6.87 7.53 8.23 8.99 9.79 10.70 11.69 12.75 13.85 14.97 16.09 17.22 18.16

2.33 2.59 2.88 3.17 3.52 3.80 4.13 4.50 4.92 5.40 5.92 6.49 7.11 7.77 8.49 9.25 10.10 11.04 12.05 13.08 14.14 15.20 16.27 17.15

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE TOBACCO

$50,000 TO $249,999 ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.79 0.41 0.79 0.41 0.79 0.41 0.80 0.42 0.81 0.42 0.82 0.43 0.83 0.43 0.84 0.44 0.89 0.46 0.94 0.49 0.99 0.51 1.05 0.55 1.11 0.58 1.19 0.62 1.27 0.66 1.36 0.71 1.45 0.75 1.55 0.81 1.67 0.87 1.80 0.94 1.94 1.01 2.09 1.09 2.25 1.17 2.46 1.28 2.68 1.39 2.93 1.52 3.20 1.66 3.50 1.82 3.84 2.00 4.20 2.18 4.61 2.40 5.05 2.63 5.53 2.88 6.04 3.14 6.59 3.43 7.20 3.74 7.86 4.09 8.58 4.46 9.41 4.89 10.33 5.37 11.33 5.89 12.42 6.46 13.63 7.09 15.05 7.83 16.62 8.64 18.35 9.54 20.26 10.54 22.37 11.63

Back to Table of Contents Back to Table of Contents

QUARTERLY 0.21 0.21 0.21 0.21 0.21 0.22 0.22 0.22 0.24 0.25 0.26 0.28 0.29 0.32 0.34 0.36 0.38 0.41 0.44 0.48 0.51 0.55 0.60 0.65 0.71 0.78 0.85 0.93 1.02 1.11 1.22 1.34 1.47 1.60 1.75 1.91 2.08 2.27 2.49 2.74 3.00 3.29 3.61 3.99 4.40 4.86 5.37 5.93

$250,000 TO $1,000,000 MONTHLY 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.08 0.09 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.14 0.14 0.16 0.17 0.18 0.19 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.42 0.46 0.50 0.55 0.60 0.65 0.71 0.78 0.85 0.93 1.02 1.12 1.23 1.36 1.50 1.66 1.83 2.02

BANK DRAFT 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.08 0.09 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.28 0.30 0.33 0.36 0.40 0.43 0.48 0.52 0.57 0.62 0.67 0.73 0.80 0.88 0.97 1.06 1.16 1.28 1.42 1.56 1.73 1.91

ISSUE AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

SEMIANNUAL ANNUAL 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.69 0.36 0.72 0.37 0.77 0.40 0.82 0.43 0.88 0.46 0.94 0.49 0.99 0.51 1.06 0.55 1.14 0.59 1.19 0.62 1.28 0.67 1.37 0.71 1.48 0.77 1.61 0.84 1.74 0.90 1.90 0.99 2.05 1.07 2.24 1.16 2.45 1.27 2.61 1.36 2.87 1.49 3.14 1.63 3.46 1.80 3.80 1.98 4.16 2.16 4.55 2.37 4.98 2.59 5.45 2.83 5.95 3.09 6.50 3.38 7.11 3.70 7.78 4.05 8.52 4.43 9.32 4.85 10.21 5.31 11.21 5.83 12.34 6.42 13.62 7.08 15.01 7.81

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

QUARTERLY 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.18 0.19 0.20 0.22 0.23 0.25 0.26 0.28 0.30 0.32 0.34 0.36 0.39 0.43 0.46 0.50 0.54 0.59 0.65 0.69 0.76 0.83 0.92 1.01 1.10 1.21 1.32 1.44 1.58 1.72 1.88 2.06 2.26 2.47 2.71 2.97 3.27 3.61 3.98

MONTHLY 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.18 0.19 0.21 0.23 0.24 0.26 0.29 0.32 0.35 0.38 0.41 0.45 0.50 0.54 0.59 0.64 0.71 0.77 0.84 0.92 1.01 1.12 1.23 1.36

BANK DRAFT 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.08 0.08 0.09 0.10 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.30 0.33 0.36 0.39 0.43 0.47 0.51 0.56 0.61 0.67 0.73 0.80 0.87 0.96 1.05 1.16 1.28

Revised 01/01/2020

Revised 1/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE TOBACCO

$50,000 TO $249,999 ATTAINED AGE ANNUAL 28 2.00 29 2.00 30 2.00 31 2.13 32 2.27 33 2.42 34 2.58 35 2.75 36 2.96 37 3.18 38 3.42 39 3.67 40 3.95 41 4.29 42 4.65 43 5.05 44 5.48 45 5.95 46 6.53 47 7.17 48 7.88 49 8.65 50 9.50 51 10.41 52 11.40 53 12.50 54 13.69 55 15.00 56 16.55 57 18.25 58 20.13 59 22.21 60 24.50 61 27.37 62 30.58 63 34.16 64 38.16 65 42.63 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

31.57 34.66 38.31 42.64 47.80 52.21 57.32 63.15 69.75 77.11 85.24 94.10 103.70 113.95 124.85 135.91 148.38 162.03 176.53 191.52 206.67 221.91 237.16 252.27

Back to Table of Contents

Back to Table of Contents

SEMIANNUAL 1.04 1.04 1.04 1.11 1.18 1.26 1.34 1.43 1.54 1.65 1.78 1.91 2.05 2.23 2.42 2.63 2.85 3.09 3.40 3.73 4.10 4.50 4.94 5.41 5.93 6.50 7.12 7.80 8.61 9.49 10.47 11.55 12.74 14.23 15.90 17.76 19.84 22.17 16.42 18.02 19.92 22.17 24.86 27.15 29.81 32.84 36.27 40.10 44.32 48.93 53.92 59.25 64.92 70.67 77.16 84.26 91.80 99.59 107.47 115.39 123.32 131.18

RENEWAL RATES

$250,000 TO $1,000,000

QUARBANK SEMIQUARTERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY 0.53 0.18 0.17 1.22 0.63 0.32 0.53 0.18 0.17 1.31 0.68 0.35 0.53 0.18 0.17 1.39 0.72 0.37 0.56 0.20 0.19 1.48 0.77 0.39 0.60 0.21 0.20 1.58 0.82 0.42 0.64 0.22 0.21 1.70 0.88 0.45 0.68 0.24 0.22 1.81 0.94 0.48 0.73 0.25 0.24 1.96 1.02 0.52 0.78 0.27 0.26 2.08 1.08 0.55 0.84 0.29 0.28 2.23 1.16 0.59 0.91 0.31 0.30 2.40 1.25 0.64 0.97 0.34 0.32 2.57 1.34 0.68 1.05 0.36 0.34 2.76 1.44 0.73 1.14 0.39 0.37 2.98 1.55 0.79 1.23 0.42 0.40 3.24 1.68 0.86 1.34 0.46 0.43 3.52 1.83 0.93 1.45 0.50 0.47 3.85 2.00 1.02 1.58 0.54 0.51 4.22 2.19 1.12 1.73 0.59 0.56 4.64 2.41 1.23 1.90 0.65 0.61 5.10 2.65 1.35 2.09 0.71 0.67 5.63 2.93 1.49 2.29 0.78 0.74 6.18 3.21 1.64 2.52 0.86 0.81 6.78 3.53 1.80 2.76 0.94 0.89 7.44 3.87 1.97 3.02 1.03 0.97 8.15 4.24 2.16 3.31 1.13 1.07 8.96 4.66 2.37 3.63 1.24 1.17 9.86 5.13 2.61 3.98 1.35 1.28 10.84 5.64 2.87 4.39 1.49 1.41 12.07 6.28 3.20 4.84 1.65 1.56 13.27 6.90 3.52 5.33 1.82 1.72 14.69 7.64 3.89 5.89 2.00 1.89 16.13 8.39 4.27 6.49 2.21 2.09 17.74 9.22 4.70 7.25 2.47 2.33 19.54 10.16 5.18 8.10 2.76 2.60 21.54 11.20 5.71 9.05 3.08 2.91 24.48 12.73 6.49 10.11 3.44 3.25 27.02 14.05 7.16 11.30 3.84 3.63 29.89 15.54 7.92 ** The Premiums Below Are YRT For One Year Renewal Only ** 8.37 2.85 2.69 31.57 16.42 8.37 9.18 3.12 2.95 34.66 18.02 9.18 10.15 3.45 3.26 38.31 19.92 10.15 11.30 3.84 3.63 42.64 22.17 11.30 12.67 4.31 4.07 47.80 24.86 12.67 13.84 4.70 4.44 52.21 27.15 13.84 15.19 5.16 4.88 57.32 29.81 15.19 16.73 5.69 5.37 63.15 32.84 16.73 18.48 6.28 5.93 69.75 36.27 18.48 20.43 6.94 6.56 77.11 40.10 20.43 22.59 7.68 7.25 85.24 44.32 22.59 24.94 8.47 8.00 94.10 48.93 24.94 27.48 9.34 8.82 103.70 53.92 27.48 30.20 10.26 9.69 113.95 59.25 30.20 33.09 11.24 10.62 124.85 64.92 33.09 36.02 12.24 11.56 135.91 70.67 36.02 39.32 13.36 12.62 148.38 77.16 39.32 42.94 14.59 13.78 162.03 84.26 42.94 46.78 15.89 15.01 176.53 91.80 46.78 50.75 17.24 16.28 191.52 99.59 50.75 54.77 18.61 17.57 206.67 107.47 54.77 58.81 19.98 18.87 221.91 115.39 58.81 62.85 21.35 20.16 237.16 123.32 62.85 66.85 22.71 21.45 252.27 131.18 66.85

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

MONTHLY 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.25 0.27 0.30 0.32 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.67 0.74 0.81 0.89 0.98 1.09 1.20 1.33 1.46 1.60 1.76 1.94 2.21 2.44 2.70

BANK DRAFT 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.30 0.33 0.36 0.40 0.44 0.48 0.53 0.58 0.64 0.70 0.77 0.84 0.93 1.03 1.13 1.25 1.38 1.51 1.67 1.84 2.09 2.30 2.55

ATTAINED AGE 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65

2.85 3.12 3.45 3.84 4.31 4.70 5.16 5.69 6.28 6.94 7.68 8.47 9.34 10.26 11.24 12.24 13.36 14.59 15.89 17.24 18.61 19.98 21.35 22.71

2.69 2.95 3.26 3.63 4.07 4.44 4.88 5.37 5.93 6.56 7.25 8.00 8.82 9.69 10.62 11.56 12.62 13.78 15.01 16.28 17.57 18.87 20.16 21.45

66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020 Revised 01/01/2020

PREMIUM RATES FOR PLAN CT-10 10-YEAR RENEWABLE AND CONVERTIBLE Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE NON-TOBACCO AND TOBACCO MAXIMUM GUARANTEED PREMIUMS

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

FEMALE NON-TOBACCO FEMALE TOBACCO Rates for Ages 18 to 65 are for a period of 10 years based on initial issue age and renewal age SEMIQUARBANK SEMIQUARBANK ANNUAL ANNUAL TERLY MONTHLY DRAFT ANNUAL ANNUAL TERLY MONTHLY DRAFT 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.42 0.74 0.38 0.13 0.13 1.78 0.93 0.47 0.17 0.16 1.44 0.75 0.38 0.13 0.13 1.84 0.96 0.49 0.17 0.16 1.47 0.76 0.39 0.14 0.13 1.91 0.99 0.51 0.18 0.17 1.53 0.80 0.41 0.14 0.14 2.00 1.04 0.53 0.18 0.17 1.56 0.81 0.41 0.15 0.14 2.12 1.10 0.56 0.20 0.19 1.61 0.84 0.43 0.15 0.14 2.25 1.17 0.60 0.21 0.20 1.65 0.86 0.44 0.15 0.15 2.35 1.22 0.62 0.22 0.20 1.70 0.88 0.45 0.16 0.15 2.49 1.29 0.66 0.23 0.22 1.76 0.92 0.47 0.16 0.15 2.65 1.38 0.70 0.24 0.23 1.90 0.99 0.50 0.18 0.17 2.83 1.47 0.75 0.26 0.25 2.00 1.04 0.53 0.18 0.17 3.01 1.57 0.80 0.28 0.26 2.08 1.08 0.55 0.19 0.18 3.22 1.67 0.85 0.29 0.28 2.28 1.19 0.60 0.21 0.20 3.43 1.78 0.91 0.31 0.30 2.49 1.29 0.66 0.23 0.22 3.65 1.90 0.97 0.33 0.32 2.72 1.41 0.72 0.25 0.24 3.87 2.01 1.03 0.35 0.33 2.95 1.53 0.78 0.27 0.26 4.08 2.12 1.08 0.37 0.35 3.20 1.66 0.85 0.29 0.28 4.51 2.35 1.20 0.41 0.39 3.45 1.79 0.91 0.32 0.30 4.96 2.58 1.31 0.45 0.43 3.73 1.94 0.99 0.34 0.32 5.46 2.84 1.45 0.50 0.47 4.03 2.10 1.07 0.37 0.35 5.99 3.11 1.59 0.54 0.51 4.35 2.26 1.15 0.40 0.37 6.55 3.41 1.74 0.59 0.56 4.70 2.44 1.25 0.43 0.40 7.18 3.73 1.90 0.65 0.62 5.07 2.64 1.34 0.46 0.44 7.85 4.08 2.08 0.71 0.67 5.46 2.84 1.45 0.50 0.47 8.56 4.45 2.27 0.78 0.73 5.87 3.05 1.56 0.53 0.50 9.31 4.84 2.47 0.84 0.80 6.29 3.27 1.67 0.57 0.54 10.09 5.25 2.67 0.91 0.86 6.74 3.50 1.79 0.61 0.58 11.08 5.76 2.94 1.00 0.95 7.21 3.75 1.91 0.65 0.62 12.12 6.30 3.21 1.10 1.04 7.73 4.02 2.05 0.70 0.66 13.26 6.90 3.51 1.20 1.13 8.30 4.32 2.20 0.75 0.71 14.52 7.55 3.85 1.31 1.24 9.05 4.71 2.40 0.82 0.77 15.91 8.27 4.22 1.44 1.36 10.10 5.25 2.68 0.91 0.86 17.45 9.07 4.62 1.58 1.49 11.32 5.89 3.00 1.02 0.97 19.16 9.96 5.08 1.73 1.63 12.71 6.61 3.37 1.15 1.09 21.06 10.95 5.58 1.90 1.80 14.31 7.44 3.79 1.29 1.22 23.13 12.03 6.13 2.09 1.97 16.11 8.38 4.27 1.45 1.37 25.37 13.19 6.72 2.29 2.16 17.86 9.29 4.73 1.61 1.52 27.42 14.26 7.27 2.47 2.34 19.82 10.31 5.25 1.79 1.69 30.63 15.93 8.12 2.76 2.61 22.06 11.47 5.85 1.99 1.88 34.21 17.79 9.07 3.08 2.91 24.60 12.79 6.52 2.22 2.10 38.21 19.87 10.13 3.44 3.25 27.56 14.33 7.30 2.49 2.35 42.68 22.19 11.31 3.85 3.63 ** The Premiums Below Are YRT For One Year Renewal Only ** 27.35 14.22 7.25 2.47 2.33 31.57 16.42 8.37 2.85 2.69 30.44 15.83 8.07 2.74 2.59 34.66 18.02 9.18 3.12 2.95 33.81 17.58 8.96 3.05 2.88 38.31 19.92 10.15 3.45 3.26 37.25 19.37 9.87 3.36 3.17 42.64 22.17 11.30 3.84 3.63 41.34 21.50 10.96 3.73 3.52 47.80 24.86 12.67 4.31 4.07 44.67 23.23 11.84 4.03 3.80 52.21 27.15 13.84 4.70 4.44 48.51 25.23 12.86 4.37 4.13 57.32 29.81 15.19 5.16 4.88 52.92 27.52 14.02 4.77 4.50 63.15 32.84 16.73 5.69 5.37 57.88 30.10 15.34 5.21 4.92 69.75 36.27 18.48 6.28 5.93 63.44 32.99 16.81 5.71 5.40 77.11 40.10 20.43 6.94 6.56 69.57 36.18 18.44 6.27 5.92 85.24 44.32 22.59 7.68 7.25 76.29 39.67 20.22 6.87 6.49 94.10 48.93 24.94 8.47 8.00 83.58 43.46 22.15 7.53 7.11 103.70 53.92 27.48 9.34 8.82 91.41 47.53 24.22 8.23 7.77 113.95 59.25 30.20 10.26 9.69 99.80 51.90 26.45 8.99 8.49 124.85 64.92 33.09 11.24 10.62 108.72 56.53 28.81 9.79 9.25 135.91 70.67 36.02 12.24 11.56 118.82 61.79 31.49 10.70 10.10 148.38 77.16 39.32 13.36 12.62 129.88 67.54 34.42 11.69 11.04 162.03 84.26 42.94 14.59 13.78 141.65 73.66 37.54 12.75 12.05 176.53 91.80 46.78 15.89 15.01 153.87 80.01 40.78 13.85 13.08 191.52 99.59 50.75 17.24 16.28 166.24 86.44 44.05 14.97 14.14 206.67 107.47 54.77 18.61 17.57 178.75 92.95 47.37 16.09 15.20 221.91 115.39 58.81 19.98 18.87 191.31 99.48 50.70 17.22 16.27 237.16 123.32 62.85 21.35 20.16 201.72 104.89 53.46 18.16 17.15 252.27 131.18 66.85 22.71 21.45

Back to Table of Contents

Back to Table of Contents

PRODUCTS & RATES SECTION

PRODUCTS & RATES SECTION

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89

Revised 1/2020

Revised 01/01/2020

WAIVER OF PREMIUM RIDER Note: Rate amounts are per thousand.

PLAN CT-10 - 10 YEAR CONVERTIBLE TERM

MALE NON-TOBACCO & PREFERRED

MALE TOBACCO

AGE 18-25 26 27 28 29

ANNUAL 0.09 0.09 0.10 0.10 0.10

SEMIANNUAL 0.05 0.05 0.05 0.05 0.05

QUARTERLY 0.02 0.02 0.03 0.03 0.03

MONTHLY 0.01 0.01 0.01 0.01 0.01

BANK DRAFT 0.01 0.01 0.01 0.01 0.01

ANNUAL 0.13 0.13 0.14 0.14 0.16

SEMIANNUAL 0.07 0.07 0.07 0.07 0.08

QUARTERLY 0.03 0.03 0.04 0.04 0.04

MONTHLY 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02

AGE 18-25 26 27 28 29

30 31 32 33 34

0.10 0.12 0.12 0.13 0.13

0.05 0.06 0.06 0.07 0.07

0.03 0.03 0.03 0.03 0.03

0.01 0.02 0.02 0.02 0.02

0.01 0.02 0.02 0.02 0.02

0.16 0.18 0.19 0.21 0.23

0.08 0.09 0.10 0.11 0.12

0.04 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.03

0.02 0.02 0.02 0.02 0.02

30 31 32 33 34

35 36 37 38 39

0.14 0.15 0.16 0.16 0.18

0.07 0.08 0.08 0.08 0.09

0.04 0.04 0.04 0.04 0.05

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.24 0.26 0.29 0.31 0.33

0.12 0.14 0.15 0.16 0.17

0.06 0.07 0.08 0.08 0.09

0.03 0.03 0.03 0.03 0.03

0.03 0.03 0.03 0.03 0.03

35 36 37 38 39

40 41 42 43 44

0.19 0.20 0.20 0.22 0.24

0.10 0.10 0.10 0.11 0.12

0.05 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.03

0.02 0.02 0.02 0.02 0.03

0.35 0.37 0.40 0.43 0.46

0.18 0.19 0.21 0.22 0.24

0.09 0.10 0.11 0.11 0.12

0.04 0.04 0.04 0.04 0.05

0.03 0.04 0.04 0.04 0.04

40 41 42 43 44

45 46 47 48 49

0.25 0.29 0.35 0.42 0.50

0.13 0.15 0.18 0.22 0.26

0.07 0.08 0.09 0.11 0.13

0.03 0.03 0.04 0.04 0.05

0.03 0.03 0.03 0.04 0.05

0.51 0.59 0.71 0.84 1.02

0.27 0.31 0.37 0.44 0.53

0.14 0.16 0.19 0.22 0.27

0.05 0.06 0.07 0.08 0.10

0.05 0.06 0.07 0.08 0.09

45 46 47 48 49

50 51 52 53 54

0.61 0.73 0.88 1.06 1.27

0.32 0.38 0.46 0.55 0.66

0.16 0.19 0.23 0.28 0.34

0.06 0.07 0.08 0.10 0.12

0.06 0.07 0.08 0.10 0.11

1.23 1.48 1.76 2.12 2.52

0.64 0.77 0.92 1.10 1.31

0.33 0.39 0.47 0.56 0.67

0.12 0.14 0.16 0.20 0.23

0.11 0.13 0.15 0.19 0.22

50 51 52 53 54

55 56 57 58 59

1.51 1.82* 2.19* 2.60* 3.12*

0.79 0.95* 1.14* 1.35* 1.62*

0.40 0.48* 0.58* 0.69* 0.83*

0.14 0.17* 0.20* 0.24* 0.29*

0.13 0.16* 0.19* 0.23* 0.27*

3.00 3.58* 4.25* 5.04* 5.96*

1.56 1.86* 2.21* 2.62* 3.10*

0.80 0.95* 1.13* 1.34* 1.58*

0.27 0.33* 0.39* 0.46* 0.54*

0.26 0.31* 0.37* 0.43* 0.51*

55 56 57 58 59

*For renewal only

Back to Table of Contents

*For renewal only

PRODUCTS & RATES SECTION

Revised 01/01/2020

WAIVER OF PREMIUM RIDER Note: Rate amounts are per thousand.

PLAN CT-10 - 10 YEAR CONVERTIBLE TERM

FEMALE NON-TOBACCO & PREFERRED

FEMALE TOBACCO

AGE 18-25 26 27 28 29

ANNUAL 0.12 0.13 0.13 0.14 0.14

SEMIANNUAL 0.06 0.07 0.07 0.07 0.07

QUARTERLY 0.03 0.03 0.03 0.04 0.04

MONTHLY 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02

ANNUAL 0.14 0.15 0.15 0.16 0.18

SEMIANNUAL 0.07 0.08 0.08 0.08 0.09

QUARTERLY 0.04 0.04 0.04 0.04 0.05

MONTHLY 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02

AGE 18-25 26 27 28 29

30 31 32 33 34

0.14 0.16 0.16 0.18 0.18

0.07 0.08 0.08 0.09 0.09

0.04 0.04 0.04 0.05 0.05

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.19 0.20 0.22 0.25 0.26

0.10 0.10 0.11 0.13 0.14

0.05 0.05 0.06 0.07 0.07

0.02 0.02 0.02 0.03 0.03

0.02 0.02 0.02 0.03 0.03

30 31 32 33 34

35 36 37 38 39

0.20 0.21 0.21 0.22 0.25

0.10 0.11 0.11 0.11 0.13

0.05 0.06 0.06 0.06 0.07

0.02 0.02 0.02 0.02 0.03

0.02 0.02 0.02 0.02 0.03

0.29 0.31 0.33 0.35 0.38

0.15 0.16 0.17 0.18 0.20

0.08 0.08 0.09 0.09 0.10

0.03 0.03 0.03 0.04 0.04

0.03 0.03 0.03 0.03 0.04

35 36 37 38 39

40 41 42 43 44

0.25 0.26 0.28 0.30 0.30

0.13 0.14 0.15 0.16 0.16

0.07 0.07 0.07 0.08 0.08

0.03 0.03 0.03 0.03 0.03

0.03 0.03 0.03 0.03 0.03

0.40 0.43 0.46 0.48 0.52

0.21 0.22 0.24 0.25 0.27

0.11 0.11 0.12 0.13 0.14

0.04 0.04 0.05 0.05 0.05

0.04 0.04 0.04 0.05 0.05

40 41 42 43 44

46 47 48 49

0.33 0.39 0.45 0.54 0.63

0.17 0.20 0.23 0.28 0.33

0.09 0.10 0.12 0.14 0.17

0.03 0.04 0.05 0.05 0.06

0.03 0.04 0.04 0.05 0.06

0.57 0.65 0.77 0.91 1.08

0.30 0.34 0.40 0.47 0.56

0.15 0.17 0.20 0.24 0.29

0.06 0.06 0.07 0.09 0.10

0.05 0.06 0.07 0.08 0.10

45 46 47 48 49

50 51 52 53 54

0.75 0.87 1.04 1.23 1.44

0.39 0.45 0.54 0.64 0.75

0.20 0.23 0.28 0.33 0.38

0.07 0.08 0.10 0.12 0.13

0.07 0.08 0.09 0.11 0.13

1.27 1.50 1.75 2.06 2.41

0.66 0.78 0.91 1.07 1.25

0.34 0.40 0.46 0.55 0.64

0.12 0.14 0.16 0.19 0.22

0.11 0.13 0.15 0.18 0.21

50 51 52 53 54

55 56 57 58 59

1.71 2.02* 2.41* 2.85* 3.40*

0.89 1.05* 1.25* 1.48* 1.77*

0.45 0.54* 0.64* 0.76* 0.90*

0.16 0.19* 0.22* 0.26* 0.31*

0.15 0.18* 0.21* 0.25* 0.29*

2.81 3.29* 3.83* 4.46* 5.20*

1.46 1.71* 1.99* 2.32* 2.70*

0.74 0.87* 1.01* 1.18* 1.38*

0.26 0.30* 0.35* 0.41* 0.47*

0.24 0.28* 0.33* 0.38* 0.45*

55 56 57 58 59

*For renewal only

Back to Table of Contents

*For renewal only

PRODUCTS & RATES SECTION

Revised 01/01/2020

20 YEAR LEVEL TERM PLAN CLT-20 ISSUE AGES: 18-50 MINIMUM $50,000 - MAXIMUM $1,000,000 PREFERRED RATE MINIMUM - $100,000

PREMIUM MODE Annual, Semi-Annual, Quarterly, Monthly, Bank Draft CERTIFICATE FEATURES Level Benefit - Level Premium Non-renewable Convertible to Whole Life while in force RIDERS AVAILABLE Waiver of Premium Accidental Death Benefit - Available from Age 5 to Age 70 Rates Per $1,000 Annual Semi-Annual Quarterly Monthly Bank Draft $1.00 $0.52 $0.26 $0.10 $0.09 NON-COMMISSIONABLE CERTIFICATE FEE

Annual Semi-Annual Quarterly Monthly Bank Draft

$60.00 $30.00 $15.00 $5.00 $5.00

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

PLAN CT-10 10-Year Term

Plan Description: This certificate is a 10-year term plan with a level death benefit. It may be renewed at the end of 10 years until the Member attains age 65; thereafter the certificate is renewable on one-year term renewable rates up to age 90. The face amount is payable if the death of the Member occurs during the term period. These certificates do not accumulate any cash values, and there are no certificate features such as reduced paid-up insurance, automatic premium loans or extended term insurance. There will be no refund check issued on these certificates.

Premiums: Premiums are payable during the term of the certificate, and increase on each renewal with the attained age of the Member. The premium rates may be raised or lowered for all Members in the same class, but the rates may not exceed the maximum premiums, which will be shown in the certificate. Premiums are banded by certificate size and vary by sex and smoking category.

Conversion Privilege: The certificate may be converted to a permanent plan of life insurance at any time until the anniversary date of the certificate before the insured turns age 70. The newly converted certificate will be issued with a current issue date, with the insured’s current, attained age, on a certificate form and with the premium rate then in use by Hermann Sons Life.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE NON-TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 1.17 1.17 1.17 1.17 1.17 1.17 1.17 1.17 1.20 1.24 1.29 1.34 1.40 1.47 1.54 1.62 1.71 1.81 1.92 2.03 2.17 2.32 2.48 2.67 2.87 3.09 3.34 3.62 3.93 4.28 4.67 5.10 5.59

SEMIANNUAL 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.62 0.64 0.67 0.70 0.73 0.76 0.80 0.84 0.89 0.94 1.00 1.06 1.13 1.21 1.29 1.39 1.49 1.61 1.74 1.88 2.04 2.23 2.43 2.65 2.91

Back to Table of Contents

QUARTERLY 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.31 0.32 0.33 0.34 0.36 0.37 0.39 0.41 0.43 0.45 0.48 0.51 0.54 0.58 0.61 0.66 0.71 0.76 0.82 0.89 0.96 1.04 1.13 1.24 1.35 1.48

GUARANTEED MAXIMUM RATES

MONTHLY 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.21 0.23 0.25 0.26 0.28 0.31 0.33 0.36 0.39 0.43 0.46 0.51

BANK DRAFT 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.19 0.20 0.22 0.23 0.25 0.27 0.29 0.31 0.34 0.37 0.40 0.44 0.48

SEMIANNUAL ANNUAL 1.48 0.77 1.48 0.77 1.48 0.77 1.51 0.79 1.54 0.80 1.58 0.82 1.63 0.85 1.68 0.87 1.75 0.91 1.83 0.95 1.91 0.99 2.01 1.05 2.12 1.10 2.23 1.16 2.35 1.22 2.48 1.29 2.62 1.36 2.77 1.44 2.91 1.51 3.07 1.60 3.22 1.67 3.39 1.76 3.57 1.86 3.77 1.96 3.99 2.07 4.24 2.20 4.52 2.35 4.84 2.52 5.20 2.70 5.61 2.92 6.07 3.16 6.58 3.42 7.15 3.72

PRODUCTS & RATES SECTION

QUARTERLY 0.39 0.39 0.39 0.40 0.41 0.42 0.43 0.45 0.46 0.48 0.51 0.53 0.56 0.59 0.62 0.66 0.69 0.73 0.77 0.81 0.85 0.90 0.95 1.00 1.06 1.12 1.20 1.28 1.38 1.49 1.61 1.74 1.89

MONTHLY 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.28 0.29 0.31 0.33 0.34 0.36 0.39 0.41 0.44 0.47 0.51 0.55 0.60 0.65

BANK DRAFT 0.13 0.13 0.13 0.13 0.14 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.19 0.20 0.22 0.23 0.24 0.25 0.27 0.28 0.29 0.31 0.33 0.34 0.37 0.39 0.42 0.45 0.48 0.52 0.56 0.61

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

MALE TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 1.71 1.71 1.73 1.75 1.78 1.82 1.88 1.95 2.04 2.15 2.27 2.40 2.55 2.71 2.89 3.08 3.29 3.52 3.77 4.05 4.35 4.67 5.03 5.43 5.86 6.33 6.86 7.43 8.07 8.78 9.57 10.45 11.42

SEMIANNUAL 0.89 0.89 0.90 0.91 0.93 0.95 0.98 1.01 1.06 1.12 1.18 1.25 1.33 1.41 1.50 1.60 1.71 1.83 1.96 2.11 2.26 2.43 2.62 2.82 3.05 3.29 3.57 3.86 4.20 4.57 4.98 5.43 5.94

Back to Table of Contents

QUARTERLY 0.45 0.45 0.46 0.46 0.47 0.48 0.50 0.52 0.54 0.57 0.60 0.64 0.68 0.72 0.77 0.82 0.87 0.93 1.00 1.07 1.15 1.24 1.33 1.44 1.55 1.68 1.82 1.97 2.14 2.33 2.54 2.77 3.03

GUARANTEED MAXIMUM RATES

MONTHLY 0.16 0.16 0.16 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.27 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.46 0.49 0.53 0.57 0.62 0.67 0.73 0.80 0.87 0.95 1.03

BANK DRAFT 0.15 0.15 0.15 0.15 0.16 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.28 0.30 0.33 0.35 0.37 0.40 0.43 0.47 0.50 0.54 0.59 0.64 0.69 0.75 0.82 0.89 0.98

SEMIANNUAL ANNUAL 1.93 1.00 1.93 1.00 1.93 1.00 2.01 1.05 2.10 1.09 2.20 1.14 2.32 1.21 2.44 1.27 2.58 1.34 2.73 1.42 2.90 1.51 3.09 1.61 3.30 1.72 3.53 1.84 3.78 1.97 4.04 2.10 4.34 2.26 4.66 2.42 5.00 2.60 5.38 2.80 5.79 3.01 6.24 3.24 6.72 3.49 7.26 3.78 7.85 4.08 8.50 4.42 9.25 4.81 10.08 5.24 11.01 5.73 11.98 6.23 12.96 6.74 14.06 7.31 15.28 7.95

PRODUCTS & RATES SECTION

QUARTERLY 0.51 0.51 0.51 0.53 0.56 0.58 0.61 0.65 0.68 0.72 0.77 0.82 0.87 0.94 1.00 1.07 1.15 1.23 1.33 1.43 1.53 1.65 1.78 1.92 2.08 2.25 2.45 2.67 2.92 3.17 3.43 3.73 4.05

MONTHLY 0.18 0.18 0.18 0.19 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.28 0.30 0.32 0.35 0.37 0.40 0.42 0.45 0.49 0.53 0.57 0.61 0.66 0.71 0.77 0.84 0.91 1.00 1.08 1.17 1.27 1.38

BANK DRAFT 0.17 0.17 0.17 0.18 0.18 0.19 0.20 0.21 0.22 0.24 0.25 0.27 0.29 0.31 0.33 0.35 0.37 0.40 0.43 0.46 0.50 0.54 0.58 0.62 0.67 0.73 0.79 0.86 0.94 1.02 1.11 1.20 1.30

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE NON-TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 0.68 0.69 0.70 0.72 0.73 0.75 0.77 0.79 0.82 0.86 0.90 0.94 0.99 1.05 1.11 1.18 1.25 1.34 1.43 1.54 1.65 1.77 1.91 2.05 2.21 2.39 2.59 2.81 3.05 3.32 3.62 3.95 4.31

SEMIANNUAL 0.35 0.36 0.36 0.37 0.38 0.39 0.40 0.41 0.43 0.45 0.47 0.49 0.51 0.55 0.58 0.61 0.65 0.70 0.74 0.80 0.86 0.92 0.99 1.07 1.15 1.24 1.35 1.46 1.59 1.73 1.88 2.05 2.24

Back to Table of Contents

QUARTERLY 0.18 0.18 0.19 0.19 0.19 0.20 0.20 0.21 0.22 0.23 0.24 0.25 0.26 0.28 0.29 0.31 0.33 0.36 0.38 0.41 0.44 0.47 0.51 0.54 0.59 0.63 0.69 0.74 0.81 0.88 0.96 1.05 1.14

GUARANTEED MAXIMUM RATES

MONTHLY 0.07 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.18 0.19 0.20 0.22 0.24 0.26 0.28 0.30 0.33 0.36 0.39

BANK DRAFT 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.07 0.07 0.08 0.08 0.08 0.09 0.09 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.23 0.24 0.26 0.29 0.31 0.34 0.37

SEMIANNUAL ANNUAL 1.10 0.57 1.10 0.57 1.10 0.57 1.14 0.59 1.18 0.61 1.23 0.64 1.27 0.66 1.32 0.69 1.37 0.71 1.42 0.74 1.47 0.76 1.53 0.80 1.59 0.83 1.66 0.86 1.73 0.90 1.81 0.94 1.89 0.98 1.97 1.02 2.06 1.07 2.16 1.12 2.27 1.18 2.38 1.24 2.52 1.31 2.66 1.38 2.83 1.47 3.03 1.58 3.25 1.69 3.49 1.81 3.77 1.96 4.08 2.12 4.42 2.30 4.79 2.49 5.20 2.70

PRODUCTS & RATES SECTION

QUARTERLY 0.29 0.29 0.29 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.39 0.41 0.42 0.44 0.46 0.48 0.50 0.52 0.55 0.57 0.60 0.63 0.67 0.70 0.75 0.80 0.86 0.92 1.00 1.08 1.17 1.27 1.38

MONTHLY 0.10 0.10 0.10 0.11 0.11 0.12 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.28 0.30 0.32 0.34 0.37 0.40 0.44 0.47

BANK DRAFT 0.10 0.10 0.10 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.30 0.33 0.35 0.38 0.41 0.45

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

FEMALE TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 0.97 0.97 0.97 0.99 1.02 1.06 1.11 1.16 1.23 1.31 1.39 1.48 1.59 1.71 1.84 1.98 2.14 2.32 2.52 2.74 2.97 3.23 3.51 3.83 4.17 4.56 4.98 5.46 5.98 6.55 7.19 7.88 8.63

SEMIANNUAL 0.50 0.50 0.50 0.51 0.53 0.55 0.58 0.60 0.64 0.68 0.72 0.77 0.83 0.89 0.96 1.03 1.11 1.21 1.31 1.42 1.54 1.68 1.83 1.99 2.17 2.37 2.59 2.84 3.11 3.41 3.74 4.10 4.49

Back to Table of Contents

QUARTERLY 0.26 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.35 0.37 0.39 0.42 0.45 0.49 0.52 0.57 0.61 0.67 0.73 0.79 0.86 0.93 1.01 1.11 1.21 1.32 1.45 1.58 1.74 1.91 2.09 2.29

GUARANTEED MAXIMUM RATES

MONTHLY 0.09 0.09 0.09 0.09 0.10 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.30 0.32 0.35 0.38 0.42 0.45 0.50 0.54 0.59 0.65 0.71 0.78

BANK DRAFT 0.09 0.09 0.09 0.09 0.09 0.10 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.16 0.17 0.19 0.20 0.22 0.24 0.26 0.28 0.30 0.33 0.36 0.39 0.43 0.47 0.51 0.56 0.62 0.67 0.74

SEMIANNUAL ANNUAL 1.26 0.66 1.26 0.66 1.26 0.66 1.34 0.70 1.43 0.74 1.52 0.79 1.61 0.84 1.71 0.89 1.83 0.95 1.95 1.01 2.10 1.09 2.25 1.17 2.42 1.26 2.62 1.36 2.83 1.47 3.05 1.59 3.30 1.72 3.56 1.85 3.84 2.00 4.15 2.16 4.48 2.33 4.85 2.52 5.26 2.74 5.72 2.97 6.21 3.23 6.70 3.48 7.23 3.76 7.83 4.07 8.47 4.40 9.19 4.78 9.99 5.19 10.85 5.64 11.79 6.13

PRODUCTS & RATES SECTION

QUARTERLY 0.33 0.33 0.33 0.36 0.38 0.40 0.43 0.45 0.48 0.52 0.56 0.60 0.64 0.69 0.75 0.81 0.87 0.94 1.02 1.10 1.19 1.29 1.39 1.52 1.65 1.78 1.92 2.07 2.24 2.44 2.65 2.88 3.12

MONTHLY 0.12 0.12 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.19 0.21 0.22 0.24 0.26 0.28 0.30 0.33 0.35 0.38 0.41 0.44 0.48 0.52 0.56 0.61 0.66 0.71 0.77 0.83 0.90 0.98 1.07

BANK DRAFT 0.11 0.11 0.11 0.12 0.13 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.26 0.29 0.31 0.33 0.36 0.39 0.42 0.45 0.49 0.53 0.57 0.62 0.67 0.72 0.79 0.85 0.93 1.01

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

PREFERRED MALE NON-TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.97 1.00 1.04 1.08 1.12 1.18 1.24 1.30 1.37 1.45 1.53 1.63 1.73 1.85 1.98 2.13 2.29 2.47 2.67 2.89 3.13 3.41 3.72 4.07 4.46

SEMIANNUAL 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.50 0.52 0.54 0.56 0.58 0.61 0.64 0.68 0.71 0.75 0.80 0.85 0.90 0.96 1.03 1.11 1.19 1.28 1.39 1.50 1.63 1.77 1.93 2.12 2.32

Back to Table of Contents

QUARTERLY 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.26 0.27 0.28 0.29 0.30 0.31 0.33 0.34 0.36 0.38 0.41 0.43 0.46 0.49 0.52 0.56 0.61 0.65 0.71 0.77 0.83 0.90 0.99 1.08 1.18

GUARANTEED MAXIMUM RATES

MONTHLY 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.10 0.10 0.11 0.11 0.12 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.29 0.31 0.34 0.37 0.41

BANK DRAFT 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.09 0.10 0.10 0.11 0.11 0.12 0.12 0.13 0.14 0.14 0.15 0.16 0.17 0.19 0.20 0.21 0.23 0.25 0.27 0.29 0.32 0.35 0.38

SEMIANNUAL ANNUAL 1.48 0.77 1.48 0.77 1.48 0.77 1.51 0.79 1.54 0.80 1.58 0.82 1.63 0.85 1.68 0.87 1.75 0.91 1.83 0.95 1.91 0.99 2.01 1.05 2.12 1.10 2.23 1.16 2.35 1.22 2.48 1.29 2.62 1.36 2.77 1.44 2.91 1.51 3.07 1.60 3.22 1.67 3.39 1.76 3.57 1.86 3.77 1.96 3.99 2.07 4.24 2.20 4.52 2.35 4.84 2.52 5.20 2.70 5.61 2.92 6.07 3.16 6.58 3.42 7.15 3.72

PRODUCTS & RATES SECTION

QUARTERLY 0.39 0.39 0.39 0.40 0.41 0.42 0.43 0.45 0.46 0.48 0.51 0.53 0.56 0.59 0.62 0.66 0.69 0.73 0.77 0.81 0.85 0.90 0.95 1.00 1.06 1.12 1.20 1.28 1.38 1.49 1.61 1.74 1.89

MONTHLY 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.16 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.25 0.27 0.28 0.29 0.31 0.33 0.34 0.36 0.39 0.41 0.44 0.47 0.51 0.55 0.60 0.65

BANK DRAFT 0.13 0.13 0.13 0.13 0.14 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.19 0.19 0.20 0.22 0.23 0.24 0.25 0.27 0.28 0.29 0.31 0.33 0.34 0.37 0.39 0.42 0.45 0.48 0.52 0.56 0.61

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

PREMIUM RATES FOR 20-YEAR LEVEL TERM Note: Rate amounts are per thousand.

Policy Fee: $60 (not included)

PREFERRED FEMALE NON-TOBACCO

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

ANNUAL 0.57 0.57 0.58 0.59 0.61 0.62 0.64 0.66 0.68 0.71 0.74 0.77 0.81 0.85 0.90 0.96 1.02 1.09 1.16 1.24 1.33 1.43 1.53 1.65 1.78 1.92 2.07 2.25 2.44 2.66 2.89 3.15 3.44

SEMIANNUAL 0.30 0.30 0.30 0.31 0.32 0.32 0.33 0.34 0.35 0.37 0.38 0.40 0.42 0.44 0.47 0.50 0.53 0.57 0.60 0.64 0.69 0.74 0.80 0.86 0.93 1.00 1.08 1.17 1.27 1.38 1.50 1.64 1.79

Back to Table of Contents

QUARTERLY 0.15 0.15 0.15 0.16 0.16 0.16 0.17 0.17 0.18 0.19 0.20 0.20 0.21 0.23 0.24 0.25 0.27 0.29 0.31 0.33 0.35 0.38 0.41 0.44 0.47 0.51 0.55 0.60 0.65 0.70 0.77 0.83 0.91

MONTHLY 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.12 0.13 0.14 0.15 0.17 0.18 0.19 0.21 0.22 0.24 0.27 0.29 0.31

GUARANTEED MAXIMUM RATES BANK DRAFT 0.05 0.05 0.05 0.06 0.06 0.06 0.06 0.06 0.06 0.07 0.07 0.07 0.07 0.08 0.08 0.09 0.09 0.10 0.10 0.11 0.12 0.13 0.14 0.15 0.16 0.17 0.18 0.20 0.21 0.23 0.25 0.27 0.30

SEMIANNUAL ANNUAL 1.10 0.57 1.10 0.57 1.10 0.57 1.14 0.59 1.18 0.61 1.23 0.64 1.27 0.66 1.32 0.69 1.37 0.71 1.42 0.74 1.47 0.76 1.53 0.80 1.59 0.83 1.66 0.86 1.73 0.90 1.81 0.94 1.89 0.98 1.97 1.02 2.06 1.07 2.16 1.12 2.27 1.18 2.38 1.24 2.52 1.31 2.66 1.38 2.83 1.47 3.03 1.58 3.25 1.69 3.49 1.81 3.77 1.96 4.08 2.12 4.42 2.30 4.79 2.49 5.20 2.70

PRODUCTS & RATES SECTION

QUARTERLY 0.29 0.29 0.29 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.39 0.41 0.42 0.44 0.46 0.48 0.50 0.52 0.55 0.57 0.60 0.63 0.67 0.70 0.75 0.80 0.86 0.92 1.00 1.08 1.17 1.27 1.38

MONTHLY 0.10 0.10 0.10 0.11 0.11 0.12 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.18 0.18 0.19 0.20 0.21 0.22 0.23 0.24 0.26 0.28 0.30 0.32 0.34 0.37 0.40 0.44 0.47

BANK DRAFT 0.10 0.10 0.10 0.10 0.11 0.11 0.11 0.12 0.12 0.13 0.13 0.14 0.14 0.15 0.15 0.16 0.17 0.17 0.18 0.19 0.20 0.21 0.22 0.23 0.25 0.26 0.28 0.30 0.33 0.35 0.38 0.41 0.45

AGE 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50

Revised 01/01/2020

WAIVER OF PREMIUM RIDER Note: Rate amounts are per thousand.

PLAN CLT-20 - 20 YEAR CONVERTIBLE LEVEL TERM

MALE NON-TOBACCO & PREFERRED

MALE TOBACCO

AGE 18-20 21 22 23 24 25

ANNUAL 0.09 0.09 0.09 0.09 0.10 0.10

SEMIANNUAL 0.05 0.05 0.05 0.05 0.05 0.05

QUARTERLY 0.02 0.02 0.02 0.02 0.03 0.03

MONTHLY 0.01 0.01 0.01 0.01 0.01 0.01

BANK DRAFT 0.01 0.01 0.01 0.01 0.01 0.01

ANNUAL 0.13 0.14 0.14 0.14 0.14 0.15

SEMIANNUAL 0.07 0.07 0.07 0.07 0.07 0.08

QUARTERLY 0.03 0.04 0.04 0.04 0.04 0.04

MONTHLY 0.02 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02 0.02

AGE 18-20 21 22 23 24 25

26 27 28 29 30

0.10 0.10 0.11 0.11 0.12

0.05 0.05 0.06 0.06 0.06

0.03 0.03 0.03 0.03 0.03

0.01 0.01 0.01 0.01 0.02

0.01 0.01 0.01 0.01 0.02

0.15 0.16 0.17 0.18 0.20

0.08 0.08 0.09 0.09 0.10

0.04 0.04 0.05 0.05 0.05

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

26 27 28 29 30

31 32 33 34 35

0.13 0.14 0.15 0.16 0.17

0.07 0.07 0.08 0.08 0.09

0.03 0.04 0.04 0.04 0.05

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.21 0.23 0.25 0.28 0.30

0.11 0.12 0.13 0.15 0.16

0.06 0.06 0.07 0.07 0.08

0.02 0.03 0.03 0.03 0.03

0.02 0.02 0.03 0.03 0.03

31 32 33 34 35

36 37 38 39 40

0.18 0.19 0.20 0.21 0.22

0.09 0.10 0.10 0.11 0.11

0.05 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.32 0.34 0.36 0.38 0.41

0.17 0.18 0.19 0.20 0.21

0.08 0.09 0.10 0.10 0.11

0.03 0.04 0.04 0.04 0.04

0.03 0.03 0.04 0.04 0.04

36 37 38 39 40

41 42 43 44 45

0.24 0.25 0.26 0.29 0.33

0.12 0.13 0.14 0.15 0.17

0.06 0.07 0.07 0.08 0.09

0.03 0.03 0.03 0.03 0.03

0.03 0.03 0.03 0.03 0.03

0.44 0.47 0.50 0.55 0.63

0.23 0.24 0.26 0.29 0.33

0.12 0.12 0.13 0.15 0.17

0.04 0.05 0.05 0.05 0.06

0.04 0.04 0.05 0.05 0.06

41 42 43 44 45

46 47 48 49 50

0.40 0.51 0.63 0.76 0.88

0.21 0.27 0.33 0.40 0.46

0.11 0.14 0.17 0.20 0.23

0.04 0.05 0.06 0.07 0.08

0.04 0.05 0.06 0.07 0.08

0.75 0.93 1.13 1.35 1.57

0.39 0.48 0.59 0.70 0.82

0.20 0.25 0.30 0.36 0.42

0.07 0.09 0.11 0.13 0.15

0.07 0.08 0.10 0.12 0.14

46 47 48 49 50

FEMALE NON-TOBACCO & PREFERRED

FEMALE TOBACCO

AGE 18-20 21 22 23 24 25

ANNUAL 0.12 0.12 0.12 0.12 0.12 0.13

SEMIANNUAL 0.06 0.06 0.06 0.06 0.06 0.07

QUARTERLY 0.03 0.03 0.03 0.03 0.03 0.03

MONTHLY 0.02 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02 0.02

ANNUAL 0.14 0.14 0.14 0.15 0.15 0.16

SEMIANNUAL 0.07 0.07 0.07 0.08 0.08 0.08

QUARTERLY 0.04 0.04 0.04 0.04 0.04 0.04

MONTHLY 0.02 0.02 0.02 0.02 0.02 0.02

BANK DRAFT 0.02 0.02 0.02 0.02 0.02 0.02

AGE 18-20 21 22 23 24 25

26 27 28 29 30

0.13 0.13 0.14 0.15 0.16

0.07 0.07 0.07 0.08 0.08

0.03 0.03 0.04 0.04 0.04

0.02 0.02 0.02 0.02 0.02

0.02 0.02 0.02 0.02 0.02

0.17 0.18 0.19 0.21 0.23

0.09 0.09 0.10 0.11 0.12

0.05 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.03

0.02 0.02 0.02 0.02 0.02

26 27 28 29 30

31 32 33 34 35

0.17 0.19 0.20 0.22 0.23

0.09 0.10 0.10 0.11 0.12

0.05 0.05 0.05 0.06 0.06

0.02 0.02 0.02 0.02 0.03

0.02 0.02 0.02 0.02 0.02

0.25 0.27 0.30 0.32 0.35

0.13 0.14 0.16 0.17 0.18

0.07 0.07 0.08 0.08 0.09

0.03 0.03 0.03 0.03 0.04

0.03 0.03 0.03 0.03 0.03

31 32 33 34 35

36 37 38 39 40

0.24 0.25 0.26 0.27 0.28

0.12 0.13 0.14 0.14 0.15

0.06 0.07 0.07 0.07 0.07

0.03 0.03 0.03 0.03 0.03

0.03 0.03 0.03 0.03 0.03

0.38 0.39 0.41 0.44 0.47

0.20 0.20 0.21 0.23 0.24

0.10 0.10 0.11 0.12 0.12

0.04 0.04 0.04 0.04 0.05

0.04 0.04 0.04 0.04 0.04

36 37 38 39 40

41 42 43 44 45

0.30 0.31 0.32 0.35 0.39

0.16 0.16 0.17 0.18 0.20

0.08 0.08 0.08 0.09 0.10

0.03 0.03 0.03 0.04 0.04

0.03 0.03 0.03 0.03 0.04

0.50 0.53 0.57 0.62 0.70

0.26 0.28 0.30 0.32 0.36

0.13 0.14 0.15 0.16 0.19

0.05 0.05 0.06 0.06 0.07

0.05 0.05 0.05 0.06 0.06

41 42 43 44 45

46 47 48 49 50

0.46 0.56 0.68 0.80 0.92

0.24 0.29 0.35 0.42 0.48

0.12 0.15 0.18 0.21 0.24

0.05 0.06 0.07 0.08 0.09

0.04 0.05 0.06 0.07 0.08

0.83 1.00 1.20 1.41 1.60

0.43 0.52 0.62 0.73 0.83

0.22 0.27 0.32 0.37 0.42

0.08 0.09 0.11 0.13 0.15

0.08 0.09 0.11 0.12 0.14

46 47 48 49 50

Back to Table of Contents Back to Table of Contents

PRODUCTS & RATES SECTION PRODUCTS & RATES SECTION

Revised 01/01/2020 Revised 1/2020

5-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $2,500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 5 years No partial withdrawals may be taken in the first year 10% of the Accumulation Value may be withdrawn in each of years 2-5 without penalty

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

PLAN CLT-20

20-Year Level Term Plan Description: This is a life insurance plan that provides a level benefit convertible term insurance for 20 years with level premium payments. This plan is not renewable but it is convertible to Whole Life while the certificate is in force. The face amount is payable if the death of the insured occurs during the term period. These certificates do not accumulate any cash values and non-forfeiture options are not available.

Premiums: Premiums are payable during the term of the certificate and never increase along with the age of the insured. The premium rates may be raised or lowered for all Members in the same class, but the rates may not exceed the maximum premiums, which will be shown in the certificate. Premiums are banded by certificate size and vary by sex and smoking category.

Conversion Privilege: The certificate may be converted to a permanent plan of life insurance at any time during the life of the contract. The newly converted certificate will be issued with a current issue date, with the insured’s current, attained age, on a certificate form and with the premium rate then in use by Hermann Sons Life.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

NON-QUALIFIED ANNUITY Funds going into a non-qualified annuity are not limited to earned income.

The income tax treatment of an annuity is special.

A. All funds deposited into a non-qualified annuity are after-tax funds.

B. No tax is due on the gain (interest) until funds are paid out (tax-deferred).

1. The gain is taxed as ordinary income at the tax rate at time of distribution.

2. Prior to annuitization, any gains will be dis tributed and taxed first. After annuitization, distributions are taxed pro-rata.

Special provisions for the Hermann Sons Life Annuity: 1. An annuity will confer membership.

2. Should the accumulation account balance become less than $500, the annuity will be closed and account balance paid.

3. The Hermann Sons Life surrender charge for a five-year annuity is determined by the age of the annuity: Year Surrender Charge Percentage 1 7% 2 5% 3 3% 4 2% 5 1% 6 and over 0% 4. Up to 3 withdrawals per contract year may be made without annuitizing the annuity.

5. No surrender charge is incurred on a withdrawal in years 2-5 of the annuity if the total withdrawal amount does not exceed 10% of the accumulation account balance as of the last anniversary.

6. No partial withdrawals may be made in the first contract year.

7. The withdrawal year is from anniversary to anniversary.

8. The withdrawal must be at least $100.

9. Loans will not be available.

10. Do not confuse the surrender charge with the IRS early withdrawal penalty.

Note: It is possible that the surrender charge and the early withdrawal penalty can be applied to a withdrawal.

11. The surrender charge does not apply in the event of death. The death benefit is the Accumulation Value determined as of the date of death.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

9-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $2,500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 9 years No partial withdrawals may be taken in the first year 10% of the Accumulation Value may be withdrawn in years 2-9 without penalty $5.00 service fee per distribution Full value surrender charges may be waived due to qualifying nursing home confinement and/or terminal illness

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2013

12. Interest paid on the accumulation account is set by the Hermann Sons Life Executive Commitee and generally reflects market conditions.

A. The current interest rate will be adjusted each year on the anniversary date of the annuity.

B. A guaranteed minimum interest rate is set by the Hermann Sons Life Executive Commitee and cannot be changed once the contract is issued.

C. Interest is compounded daily to arrive at the annualized rate stated.

The Hermann Sons Life Annuity has maximum and minimum deposit amounts.

A. The maximum total deposit amounts in the first year for the 5-year products is $100,000 and $20,000 in subsequent years per the contract. The maximum total deposit amounts in the first year for the 9-year products is $250,000 and $150,000 in subsequent years per the contract.

B. The minimum deposit to open a non-qualified annuity is $2,500.

Note: Maturity Date - The date an annuity settlement option must be selected. The Hermann Sons Life Maturity Date is annuitant age 70 if the annuitant was under age 50 when the annuity was orginally issued. If the annuitant was age 50 or over at the time the annuity was issued, the maturity date is 20 years from the issue date.

Current tax laws, which may or may not be applicable at future dates, provide that any distributions are includable in taxable income to the extent of earnings in the contract. Further, a 10% penalty tax may be applicable to premature distributions of an annuity to the extent the payment is includable in taxable income. Under current law, any distribution before age 59 1/2 will generally be subject to the penalty tax. The tax situation of an individual will be effected to the extent that taxes and penalties are payable. The individual should consult his or her tax adviser.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

NINE-YEAR FLEXIBLE PREMIUM DEFERRED ANNUITY The surrender charge for the Nine-Year Flexible Premium Deferred Annuity is as follows: Certificate Year of Withdrawal Surrender Charge as a Percentage

of Accumulation Value 1 9%

2

8%

3

7%

4

6%

5

5% 6 4% 7 3%

8

2%

9

1%

10+ 0%

Withdrawal options without surrender charge: 1. Up to 3 partial withdrawals per certificate year, of at least $100, but not to exceed 10% of the Accumulation Value at the beginning of that year. There will be a service fee of $5.00 per check.

2. Automatic, scheduled withdrawal of interest earned can be elected monthly, quarterly, semi-annually or annually. Once an election is made, it cannot be changed. There will be a service fee of $5.00 per check.

3. Nursing home provision can be elected upon proof of a permanent confinement to a nursing home. Medical documentation is required. The entire accumulation account must be withdrawn in one payment. There will be no service fee for the single check.

4. Terminal illness provision may be elected with medical documentation of a quaiflying terminal illness. The entire accumulation account must be withdrawn in one payment.

There will be no service fee for the single check.

Membership is conveyed by the purchase of the Nine-Year Premium Deferred Annuity. A membership application, with appropriate local lodge dues, must accompany the application.

Annual membership dues must accompany the membership application.

The Nine-Year Flexible Premium Deferred Annuity has maximum and minimum deposit amounts.

A. The maximum total deposit amounts in the first year is $250,000 and $150,000 in subsequent years per the contract.

B. The minimum deposit to open a non-qualified annuity is $2,500.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

5-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED TRADITIONAL IRA ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 5 years No partial withdrawals may be taken in the first year 10% of the Accumulation Value may be withdrawn in years 2-5 without penalty Transfers and rollovers from 401Ks or other qualified plans accepted.

Deposit limits, transfer conditions and early withdrawals are defined by federal law.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

Interest paid on the accumulation account is set by the Hermann Sons Life Executive Commitee and generally reflects market conditions.

A. The current interest rate will be adjusted each year on the anniversary date of the annuity.

B. A guaranteed minimum interest rate is set by the Hermann Sons Life Executive Committee and cannot be changed once the contract is issued.

C. Interest is compounded daily to arrive at the annualized rate stated.

Note: Maturity Date - The date an annuity settlement option must be selected. The Hermann Sons Life Maturity Date is annuitant age 70 if the annuitant was under age 50 when the annuity was orginally issued. If the annuitant was age 50 or over at the time the annuity was issued, the maturity date is 20 years from the issue date.

Current tax laws, which may or may not be applicable at future dates, provide that any distributions are includable in taxable income to the extent of earnings in the contract. Further, a 10% penalty tax may be applicable to premature distributions of an annuity to the extent the payment is includable in taxable income. Under current law, any distribution before age 59 1/2 will generally be subject to the penalty tax. The tax situation of an individual will be effected to the extent that taxes and penalties are payable. The individual should consult his or her tax adviser.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 2/1/2015

5-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED ROTH IRA ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 5 years No partial withdrawals may be taken in the first year 10% of the Accumulation Value may be withdrawn in years 2-5 without penalty Transfers, rollovers and conversions from 401ks or other qualified plans accepted Deposit limits, transfer conditions and early withdrawals are defined by federal law.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

TRADITIONAL IRA ANNUITY I. Income tax treatment in a Traditional IRA is subject to specific IRS code regulations.

A. Contributions (deposits) are made with pre-tax funds or after-tax funds, depending on the individual’s specific situation.

B. Any gain is tax-deferred until withdrawal and taxed at the individual’s current tax rate at time of distribution.

C. Funds in an IRA can be transferred to another funding vehicle. No tax will be incurred if the special transfer or rollover procedures are followed.

D. A 10% IRS penalty is due for early withdrawal (before age 59 1/2), with certain exceptions to this rule.

E. Required minimum distributions must start before age 70 1/2.

II. There are limitations to contributions to a Traditional IRA. A. Contributions must derive from earned income only.

B. The individual contribution is limited to the greater of $6,000 (an additional $1,000 is allowed for people over the age of 50) or 100% of earned income. These amounts can be adjusted annually due to inflation.

C. Contributions may or may not be tax deductible depending upon income amount for that year as determined by the AGI (Adjusted Gross Income), or because of participation in another qualified plan.

SPOUSAL TRADITIONAL IRA Special Spousal Traditional IRA Limitations I. If one spouse has little or no income, that spouse may “borrow” compensation from his or her spouse for the purpose of enabling their own contribution to an IRA. Generally, the “borrowing” spouse can make a contribution to their IRA up to the maximum amount allowed, but the contribution cannot exceed the other spouse’s compensation less their IRA or ROTH contribution.

A. A spousal Traditional IRA requires that the couple file jointly.

B. The spouse can have no compensation in that year or less than would be needed to support the entire contribution.

C. Depending upon income limitations, the non-working spouse may be eligible for an IRA utilizing the tax deductible benefit, even if the working spouse is not eligible for the tax deductible benefit.

Current tax laws, which may or may not be applicable at future dates, provide that any distributions are includable in taxable income to the extent of earnings in the contract. Further, a 10% penalty tax may be applicable to premature distributions of an annuity to the extent the payment is includable in taxable income. Under current law, any distribution before age 59 1/2 will generally be subject to the penalty tax. The tax situation of an individual will be effected to the extent that taxes and penalties are payable. The individual should consult his or her tax adviser.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 2/1/2015

5-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED SEP IRA ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 5 years No partial withdrawals may be made in the first year 10% of the Accumulation Value may be withdrawn in years 2-5 without penalty Deposit limits, transfer conditions and early withdrawals are defined by federal law.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

5-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM INHERITED IRA ANNUITY ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 5 years No partial withdrawals may be made in the first year 10% of the Accumulation Value may be withdrawn in years 2-5 without penalty Deposit limits, transfer conditions and early withdrawals are defined by federal law.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

9-YEAR SURRENDER PERIOD FLEXIBLE PREMIUM DEFERRED TRADITIONAL, ROTH, SEP, INHERITED IRAs ISSUE AGES: 18-89 MINIMUM INITIAL PREMIUM - $500 Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

Sliding scale of contract surrender charges for 9 years 10% of the Accumulation Value may be withdrawn in years 2-9 without penalty No partial withdrawals may be made in the first year $5.00 service fee per distribution Full value surrender charges may be waived due to qualifying nursing home confinement and/or terminal illness Transfers, rollovers and conversions from 401Ks or other qualified plans accepted.

Deposit limits, transfer conditions and early withdrawals are defined by federal law.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

MATURED SINGLE PREMIUM DEFERRED ANNUITY PLAN SPDA Single premium deposit from an existing Hermann Sons Life Annuity that is maturing Additional deposits not accepted Current interest rate is subject to change Please refer to the quarterly Interest Rates Notice

No surrender period Limit of 3 withdrawals per contract year No fee for withdrawals Application packet is initiated by assignment from the Hermann Sons Life Home Office Offered only to Hermann Sons Life members with existing, maturing annuity accounts

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 10/1/2017

ROTH IRA I. The Roth IRA is funded by after-tax dollars only.

II. The contribution is limited to the greater of $6,000 per year or 100% of earned income for individuals, reduced by the amount of any IRA contributions. An additional $1,000 is allowed for those age 50 or over.

III. Conversion of a Traditional IRA to a Roth IRA is permitted, but is subject to federal taxation.

IV. Roth IRA distributions are excluded from gross income (and avoid IRS taxation and penalty): A. If the owner is at least 59 1/2, B. And has held a Roth IRA for at least 5 years.

C. Other qualifying distributions as defined by federal law apply.

Spousal Roth IRA I. For a spousal Roth IRA contributions have the same limitations.

II. The spouse can have no compensation in that year or less than would be needed to support the entire contribution. Special rules apply if filing separately from spouse.

Current tax laws, which may or may not be applicable at future dates, provide that any distributions are includable in taxable income to the extent of earnings in the contract. Further, a 10% penalty tax may be applicable to premature distributions of an annuity to the extent the payment is includable in taxable income. Under current law, any distribution before age 59 1/2 will generally be subject to the penalty tax. The tax situation of an individual will be effected to the extent that taxes and penalties are payable. The individual should consult his or her tax adviser.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

ACCIDENTAL DEATH BENEFIT RIDER Accidental Death Benefit (ADB) – The Accidental Death Benefit rider may be added to a life insurance certificate to provide for an additional amount to be paid to the beneficiary should the insured die as the result of an accident. The Accidental Death Benefit can be paid only when the insured dies as the result of an accident.

Benefits, risks not covered, and general provisions are covered in the contract and the agent manual. This rider is available from age 5 to age 70.

How to Sell Accidental Death Benefit Rider Annual $1.00

Semi-Annual $0.52

Quarterly $0.26

Monthly $0.10

Monthly Bank $0.09

This rider will increase the certificate face value to double in the event of an accident for a small additional premium. Accidents are the fifth leading cause of death in the United States and the number one cause of death for children ages 1-14.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

ACCIDENTAL DEATH BENEFIT RIDER Available on all of the products we offer except Single Premium products.

Maximum amount available is $250,000 (cumulative coverage with all companies) on adults and juniors. This rider can be sold after the original issue date of the certificate.

Rates are as follows: Per $1,000 Benefit Coverage Upon receipt of due proof that the death of the Member: 1. Resulted independently of all other causes from bodily injury effected solely through external, violent and accidental means and evidenced by a visible contusion or wound on the exterior of the body (except in the case of drowning or of internal injuries revealed by an autopsy); and 2. Occurred within 60 days of such injury; and 3. Occurred prior to the Member’s seventieth (70th) birthday; and 4. Occurred while this certificate and this rider were in force.

Risks not covered 1. Suicide or attempted suicide.

2. Committing or attempting to commit an assault or felony.

3. Insurrection or war or any act attributable to war whether or not the member of the military.

4. Disease, or bodily or mental infirmity.

5. Travel or flight in or descent from any aircraft, except as a fare-paying passenger.

6. Consumption of amounts of alcohol that causes death.

7. Taking of any drug, medication or sedative unless prescribed by a physician, including any combination with alcohol.

8. Being under the influence of alcohol, drugs, or controlled substances.

9. Taking any kind of poison, or inhaling any kind of gas voluntarily.

Please see Form No. S-4050 (on the next page) for complete Rider information.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 05/01/2020

INSURABILITY PROTECTION RIDER Insurability Protection Rider (IPR) – The Insurability Protection rider allows the certificate owner or their proposer to purchase additional coverage at standard rates without requiring further evidence of insurability. This coverage could be very significant when an insured has become uninsurable sometime after the initial certificate was issued and would be otherwise unable to obtain additional coverage. Information on amount of option, option dates and benefits, issuance rules, exercise options, and termination is located on the next page.

How to Sell Insurability Protection Rider If there is a family history of illness (such as diabetes, asthma, etc.) the certificate holder may be unable to qualify for additional future insurance.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 05/01/2020

Hermann Sons Life 515 South St. Mary’s Street San Antonio, Texas 78205

Insurability Protection Rider While this rider is in force, Hermann Sons Life agrees that the person controlling this certificate will have the option to purchase a new certificate of life insurance on the Member's life on each Option Date.

Premiums for the new certificate will be determined by the rates then charged for the Member's sex, attained age, and premium class at which this certificate is issued.

This option may be exercised at any time during the Election Periods, subject to the following requirements:

If this certificate contains additional benefit riders, the new certificate will include similar benefits only with the consent of Hermann Sons Life.

(1) written application and the first premium for the new certificate must be received at the Home Office during the Election Period; and

SURRENDER AND NON-FORFEITURE BENEFITS

In the event of the death of the Member prior to the register date of the new certificate, the premium paid for the new certificate will be refunded.

OPTION DATES

The Option Dates will be those certificate anniversaries next following the Member's 25th, 28th, 31st, 34th, 37th and 40th birthdays. The Election Period will be the 61 day period ending on each of the Option Dates.

A S

Any option not exercised during the respective Election Period shall expire at the end of that Election Period, but such expiry shall not affect any option occurring on a subsequent Option Date.

NEW CERTIFICATE

E L

P M

(2) all premiums due for the certificate to which this rider is attached must have been paid.

The new certificate under this rider may be any whole life or endowment certificate available under Hermann Sons Life rules in effect as to age and amount on the day this option is exercised. The new certificate may be for an amount of insurance equal to or less than the Option Amount stated on the Data Page. However, the amount of the new certificate will be limited, if necessary, to an amount which when added to the amount of all other certificates issued under this rider does not exceed $180,000. The register date of the new certificate will be the Option Date.

Surrender and non-forfeiture benefits under the certificate shall not be affected by the rider.

The provisions of the certificate concerning premiums, grace period, misstatement of age, the contract and “Automatic Premium Loans” are hereby referred to and by such reference are hereby made a part hereof. No other provisions of the certificate unless specifically mentioned herein shall be held or deemed to be a part of this rider. In accordance with the incontestable clause of the certificate and Hermann Sons Life laws, Hermann Sons Life may contest liability under this rider at anytime for any cause, inclusive of causes relating to the validity of the certificate as shown at its inception.

TERMINATION

This rider will terminate at the earliest to occur of (a) the certificate anniversary next following the Member's 40th birthday, (b) when any premium for the certificate or this rider is not paid when due or within the grace period provided, (c) any termination of the certificate, (d) receipt at the Home Office of written request by the person controlling this certificate for termination of this rider accompanied by the certificate for endorsement, (e) when any nonforfeiture provision of the certificate becomes operative, or upon exchange of the certificate for another form of certificate.

CONSIDERATION This rider is a part of the certificate to which it is attached.

It is issued in consideration of the application received and the payment of the premiums as indicated on the Data Page.

Vice President of Operations and COO Back to Table of Contents FORM HSL-IPR 1-20

PRODUCTS & RATES SECTION

President and CEO Revised 05/01/2020

INSURABILITY PROTECTION RIDER $5,000 Minimum Certificate and Option Premiums per $1,000 Option Amount

AGE

ANNUAL

SEMI-ANNUAL QUARTERLY

MONTHLY

BANK DRAFT

0 1 2 3 4

0.65 0.69 0.72 0.76 0.79

0.34 0.36 0.37 0.40 0.41

0.17 0.18 0.19 0.20 0.21

0.06 0.07 0.07 0.07 0.08

0.06 0.06 0.07 0.07 0.07

5 6 7 8 9

0.83 0.87 0.92 0.96 1.01

0.43 0.45 0.48 0.50 0.53

0.22 0.23 0.24 0.25 0.27

0.08 0.08 0.08 0.09 0.10

0.08 0.08 0.09 0.09 0.09

10 11 12 13 14

1.05 1.10 1.14 1.19 1.23

0.55 0.57 0.59 0.62 0.64

0.28 0.29 0.30 0.32 0.33

0.10 0.10 0.11 0.11 0.12

0.09 0.10 0.10 0.11 0.11

15 16 17 18 19

1.28 1.32 1.37 1.41 1.46

0.67 0.69 0.71 0.73 0.76

0.34 0.35 0.36 0.37 0.39

0.12 0.12 0.13 0.13 0.14

0.11 0.12 0.12 0.12 0.13

20 21 22 23 24

1.50 1.55 1.59 1.64 1.68

0.78 0.81 0.83 0.85 0.86

0.40 0.41 0.42 0.43 0.45

0.14 0.14 0.15 0.15 0.16

0.13 0.14 0.14 0.14 0.15

25 26 27 28 29

1.73 1.77 1.82 1.86 1.91

0.90 0.92 0.95 0.97 0.99

0.46 0.47 0.48 0.49 0.51

0.16 0.16 0.17 0.17 0.18

0.15 0.16 0.16 0.16 0.17

30 31 32 33 34

1.95 2.00 2.04 2.09 2.13

1.01 1.04 1.06 1.09 1.11

0.52 0.53 0.54 0.55 0.56

0.18 0.18 0.19 0.19 0.20

0.17 0.17 0.18 0.18 0.19

35 36 37

2.18 2.22 2.27

1.13 1.15 1.18

0.58 0.59 0.60

0.20 0.20 0.21

0.19 0.19 0.20

Option amount is face amount of certificate, but not less than $5,000 or more than $25,000.

Back to Table of Contents

PRODUCTS & RATES SECTION Product & Rates Section

Revised 9/2010 Revised: 09/2010

INSURABILITY PROTECTION RIDER Available on all Junior and Adult Whole Life Products except Single Premium Products. Not available on Term Products. Not available to certificates issued at substandard rates. Only available at time of issue.

Maximum amount available to purchase at each option date is $30,000 or the face amount of the certificate, whichever is less. The face amount of the certificate must be at least $30,000.

The maximum amount of all certificates issued under this rider may not exceed $180,000.

You may purchase additional coverage at each of the specified future dates without evidence of insurability.

A letter advising the Member of his/her option to purchase additional insurance will be mailed to the Insured-Owner 60 days in advance of each option date. See rider contract for definition of option date.

Option dates are as follows: ISSUE AGE

# OF OPTION DATES

OPTION DATE AGES

0 to 24 6 25, 28, 31 ,34, 37, 40 25 to 27 5 28, 31, 34, 37, 40 28 to 30 4 31, 34, 37, 40 31 to 33 3 34, 37, 40 34 to 36 2 37, 40 37 1 40 The rider will terminate 1. On the expiration of the rider, which is the certificate anniversary of the certificate coincident with or next following the Member’s 40th birthday.

2. On any premium due date upon the Member’s written request.

3. Upon termination of the certificate for any reason.

4. On any change in the amount of the certificate.

5. When any non-forfeiture option of the certificate becomes operative.

For IPR Rates, see the page after the next page.

Please see Form No. IPR 5-91 (on the following pages) for complete rider information.

Back to Table of Contents

WAIVER OF PREMIUM PRODUCTS & RATES SECTION RIDER

Revised 08/01/2018

Waiver of Premium (WP) - The Waiver of Premium Rider waives the payment of premiums in the event of death or total and permanent disability of the payor of the certificate. Specifications of the death benefit, definitions of total and permanent disability, risks not assumed, required proofs, and termination and general provisions are covered in the contract and the agent manual.

How to Sell Waiver of Premium Rider People buy insurance for protection. If the payor of the certificate becomes disabled or dies who will be responsible for the premiums? Buying insurance for your insurance will help to keep premiums paid if the unexpected happens.

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

Back to Table of Contents PRODUCTS & RATES SECTION

Revised 08/01/2018

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

E L P

M A

S

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018

Back to Table of Contents

PRODUCTS & RATES SECTION

Revised 08/01/2018