POLICY NUMBER: [VVØØØØØØØ]

RIDER SPECIFICATIONS --------------------------------------------------------------------------------------------------

SCHEDULE OF CHRONIC ILLNESS PLUS RIDER RATES

ANNUAL RATES PER $1,000 OF NET AMOUNT AT RISK

SCHEDULE FOR INSURED:[JOHN DOE]

AT BEGINNING OF POLICY YEAR	ON [APRIL 1]	CHRONIC ILLNESS PLUS RATE
[01	[2016	[4.05
02	2017	3.85
03	2018	3.66
04	2019	3.47
05	2020	3.3
06	2021	3.14
07	2022	2.98
08	2023	2.83
09	2024	2.69
10	2025	2.56
11	2026	2.43
12	2027	2.31
13	2028	2.2
14	2029	2.09
15	2030	1.99
16	2031	1.89
17	2032	1.79
18	2033	1.7
19	2034	1.62
20	2035	1.53
21	2036	1.46
22	2037	1.38
23	2038	1.31
24	2039	1.25
25	2040	1.19
26	2041	1.16
27	2042	1.14
28	2043	1.11
29	2044	1.09
30	2045	1.06
31	2046	1.04
32	2047	1.01
33	2048	0.99
34	2049	0.96
35	2050	0.94
36	2051	0.91
37	2052	0.89
38]	2053]	0.86]

ICC16_LD3[2.2]

POLICY NUMBER: [VVØØØØØØØ]

RIDER SPECIFICATIONS --------------------------------------------------------------------------------------------------

SCHEDULE OF CHRONIC ILLNESS PLUS RIDER RATES

ANNUAL RATES PER $1,000 OF NET AMOUNT AT RISK

SCHEDULE FOR INSURED:[JOHN DOE]

AT BEGINNING OF POLICY YEAR	ON [APRIL 1]	CHRONIC ILLNESS PLUS RATE
[39	[2054	[0.84
40	2055	0.82
41	2056	0.79
42	2057	0.77
43	2058	0.74
44	2059	0.73
45	2060	0.72
46	2061	0.7
47	2062	0.69
48	2063	0.68
49	2064	0.67
50	2065	0.65
51	2066	0.65
52	2067	0.65
53	2068	0.65
54	2069	0.65
55	2070	0.65
56	2071	0.65
57	2072	0.65
58	2073	0.65
59	2074	0.65
60	2075	0.65
61	2076	0.65
62	2077	0.65
63	2078	0.65
64	2079	0.65
65	2080	0.65
66	2081	0.65
67	2082	0.65
68	2083	0.65
69	2084	0.65
70	2085	0.65
71	2086	0.65
72	2087	0.65
73	2088	0.65
74	2089	0.65
75]	2090	0.65]

POLICY NUMBER: [VVØØØØØØØ]

RIDER SPECIFICATIONS --------------------------------------------------------------------------------------------------

[LAPSE PROTECTION BENEFIT RIDER]

SCHEDULE OF CHRONIC ILLNESS PLUS RIDER RATES

ANNUAL RATES PER $1,000 OF NET AMOUNT AT RISK

SCHEDULE FOR INSURED:[JOHN DOE]

AT BEGINNING OF POLICY YEAR	ON [APRIL 1]	CHRONIC ILLNESS PLUS RATE
[01	[2016	[0.24
02	2017	0.4
03	2018	0.49
04	2019	0.64
05	2020	0.73
06	2021	0.86
07	2022	0.97
08	2023	1.03
09	2024	1.2
10	2025	1.35
11	2026	1.5
12	2027	1.57
13	2028	1.6
14	2029	1.63
15	2030	1.65
16	2031	1.77
17	2032	1.94
18	2033	2.1
19	2034	2.15
20	2035	2.35
21	2036	2.43
22	2037	2.56
23	2038	2.65
24	2039	3.04
25	2040	1.17
26	2041	1.25
27	2042	1.33
28	2043	1.47
29	2044	1.52
30	2045	1.6
31	2046	1.76
32	2047	2.09
33	2048	2.46
34	2049	2.55
35	2050	2.63
36	2051	3.39
37	2052	4.27
38	2053	5.21
39	2054	5.53
40]	2055]	5.82]

POLICY NUMBER: [VVØØØØØØØ]

RIDER SPECIFICATIONS --------------------------------------------------------------------------------------------------

[LAPSE PROTECTION BENEFIT RIDER]

SCHEDULE OF CHRONIC ILLNESS PLUS RIDER RATES

ANNUAL RATES PER $1,000 OF NET AMOUNT AT RISK

SCHEDULE FOR INSURED:[JOHN DOE]

AT BEGINNING OF POLICY YEAR	ON [APRIL 1]	CHRONIC ILLNESS PLUS RATE
[41	[2056	[6.58
42	2057	7.32
43	2058	8.11
44	2059	8.9
45	2060	9.7
46	2061	10.52
47	2062	11.16
48	2063	11.81
49	2064	12.49
50	2065	13.17
51	2066	14.28
52	2067	15.45
53	2068	16.71
54	2069	18.02
55	2070	19.4
56	2071	19.37
57	2072	22.28
58	2073	25.29
59	2074	28.39
60	2075	21.66
61	2076	21.66
62	2077	21.66
63	2078	21.66
64	2079	21.66
65	2080	21.66
66	2081	21.66
67	2082	21.66
68	2083	21.66
69	2084	21.66
70	2085	21.66
71	2086	21.66
72	2087	21.66
73	2088	21.66
74	2089	21.66
75]	2090]	21.66]