MORTALITY CHARGES              

MORTALITY CHARGES ARE THE COSTS INSURANCE COMPANIES CHARGE TO REFLECT ITS PURE RISK EXPOSURE FOR DEATH AT VARIOUS STAGES.  AN INCREASE IN MORTALITY CHARGES WILL REDUCE THE POLICY'S CASH VALUE.

                     MORTALITY CHARGES PER $1,000.00

   AGE           CURRENT MORTALITY        GUARANTEED MAX. MORTALITY

     35                          1.21                                            1.69

     40                          1.63                                            2.29

     45                          2.45                                            3.32

     50                          3.95                                            7.82

     55                          5.67                                           12.65