Disclaimer and additional information

Policy Form no.’s: JUV-10P, WL 0404, EWL-1-94, GL-T4LIFE 11/98, TFLRDR-11/98, MADT-1-98, DTR-0198, DTRS-0198, PARWL-1-95, SPR-7-95, RC1-91, LTR-0695, LTRS-0695, SL I(6/98), SL II(6/98), SPWL-1-95, GL-TERM2000, T2000RDR, CLT-0885, ADB83-8, GIB83-8, PW83-8

* The premiums illustrated in these examples for the policies marked by an asterisk (*) are not guaranteed. These premiums may be changed for all policies of this class on each anniversary by the company at its discretion based on the company's expectations as to one or more future cost factors including persistency, expenses, mortality and interest. Any change in premium will not result in a change in your benefits or cash values, if any, or other non-forfeiture values. In no event will they be increased because of deterioration of the health of the insured. Please request and read a policy illustration specific to your situation.

Suicide Clause. If the insured, whether sane or insane, dies by suicide or self-destruction within two years from the Policy date, our liability will be limited to a refund of the amount equal to the premiums paid for this Policy.

Incontestability Clause. After policies have been in force during the lifetime of the Insured for two (2) years from the Policy Date we cannot contest the Policy, except for the nonpayment of premiums, unless fraud is involved.

Policy Loans. The interest rate for loans is 10% a year, payable in advance. Interest not paid when due is added to the loan amount and will bear interest at the same rate. We have the right to postpone making a loan for up to 6 months after the request therefore unless the loan is made to pay a premium on a policy with us.

Basis of Values:  Values, reserves and net single premiums on this policy, except those for Paid-Up Term Insurance, are based on the Commissioner's 1980 Standard Ordinary Non/Smoker Mortality Table, Age Last Birthday. Values, reserves and net single premiums for Paid-Up Term Insurance are based on the Commissioner's 1980 Extended Term Insurance Nonsmoker/Smoker Mortality Table, Age Last Birthday. Values are computed by the Standard Nonforfeiture Value Method, assuming that premiums are on a level basis, that death occurs at the end of the policy year and that premiums are paid annually. Values are based on interest at the rate of 5.5%. Any additional rider will not increase the Cash Value unless specifically provided by the rider. A detailed explanation of the method of computation of policy values is on file with the insurance supervisory official of the state in which this policy has been delivered. Reserves are computed by the Commissioner's

Reserve Valuation Method. Reserves are based on interest at the rate of 4.5%.All values and reserves equal or exceed those required by law.