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Fee Tables

Transaction Fees When Deducted

Maximum Amount Deducted 1% of the initial single premium.

This charge is assessed at issue and 1/120th is deducted monthly on each monthly calculation day for the first ten policy years and any unpaid charge will be deducted upon policy surrender.

This charge is assessed at issue and 1/120th is deducted monthly on each monthly calculation day for the first ten policy years and any unpaid charge will be deducted upon policy surrender.

5.5% of the initial single premium.

This charge is assessed at issue and 1/120th is deducted monthly on each monthly calculation day for the first ten policy years and any unpaid charge will be deducted upon policy surrender.

Up to 4% of the initial single premium up to a maximum of $25 depending on your state of residence.

No charge.

There is no surrender charge, but any unpaid acquisition expense1 will be deducted upon surrender and the policy value will be reduced by any outstanding loans and loan interest.

Upon Partial Surrender.

There is no partial surrender charge, but a proportional amount of any unpaid acquisition expense1 will be deducted upon a partial surrender.

Upon Partial Surrender. Upon Transfer.

2% of surrender amount2.

At present, we do not charge for transfers between investment options, but we reserve the right to charge up to $10 per transfer after the first two transfers in any given policy year.

Administrative Charge1

Premium Tax1

Surrender Charge

Partial Surrender Charge

Partial Surrender Fee Transfer Charge

Sales Load1

Charge

1

We assess an “acquisition expense charge” on the issue premium when we issue the policy and rather than deduct it all at once, charge a fraction (1/120th) over the first ten policy years. This charge consists of the Sales Load, Administrative Charge and Premium Tax. We will deduct any unpaid portion of this charge from a full surrender, and a proportional fraction of any unpaid charge from a partial surrender. See “Charges and Deductions.”

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