America s Foremost Insurance Brokerage Network. Max Retention Limits

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1 America s Foremost Insurance Brokerage Network AIG as of 4/2016 Retention Limits Issue Ages Permanent to Table D Term to Table D 0-70 $10,000,000 $3,500, $6,000,000 $2,000,000* $4,000,000 ** n/a 90+ n/a n/a -Bind Capacity Issue Ages Permanent Term 0-70 $60,000,000 $41,000, $30,000,000 $15,500,000* $30,000,000 $10,500,000* $15,000,000** n/a $5,000,000** n/a 90+ n/a n/a *Must be Table D or better **Must be Standard or better for individual coverage Global Atlantic Financial Group as of 4/2016 Permanent Products Issue Ages** Std to T4 Retention Limits Binding Limits 0-9 $3 million $15 million N/A $10 million $50 million $65 million $6 million $40 million $40 million $4 million $20 million $25 million Term Products Issue Ages Max Retention Limits Max Binding Limits $2 million $40 million $65 million Retention Limits, matic Binding and may be reduced for age, mortality assessment, aviation risks, avocation, occupation, and citizenship/residency status. Capacity may not be available for jumbo, certain foreign risks and professional athletes. **Children are subject to amounts based on their parents.

2 John Hancock as of 4/2016 Permanent Products matic Binding Limits Individual Coverage Survivorship Coverage (Based on Better Life) Age Face Amount Age Face Amount 0-75 $65,000, $65,000, $60,000, $27,500, $25,000, $10,000, $7,500,000 Term Products matic Binding Limits Age Face Amount $57,000, $51,500, $42,000,000 Age Product Face Amount 0-80 All Products Individual and Survivorship $65,000, Permanent Products Only Individual & $50,000,000 Survivorship Permanent Products Only Individual N/A (limited to retention only) Permanent Products Only Survivorship $50,000,000 (first life must be younger than 86 and healthy) Retention Limits (fully underwritten) Individual Coverage Survivorship Coverage Age Face Amount Age Both Lives Face Amount 0-70 $30,000, $35,000, $25,000, $30,000, $20,000, $25,000, $10,000, $12,500, $7,500, $10,000,000 Reinsurance Manual: did not disclose

3 LEGAL & GENERAL AMERICA as of 4/2016 Retention Ages Preferred Plus - Table 4 Table 5-8 Table $2 million $500,000 $500, $500,000 $500,000 $500, $500,000 $500,000 $500,000 matic Binding Limits $20 million $5 million $5 million $4 million $2 million $1 million $2 million None None Significant additional capacity is available through facultative reinsurance for cases exceeding our matic Binding Authority. Ages Amounts $65 million $30 million Cases in excess of our jumbo limits require facultative approval by our reinsurers. Case size is determined by total in-force plus total amount currently applied for in all companies, including amounts to be replaced. Reinsurance Manuals: Proprietary, Gen Re & Swiss Re LINCOLN NATIONAL as of 4/2016 bind limits* $60,000,000 ages 0-75 $50,000,000 ages $25,000,000 ages Permanent Life Products U.S. & Canadian Citizens Bind Limits* $65,000,000 ages 0-80 $50,000,000 ages Term Life Products U.S. & Canadian Citizens $60,000,000 all eligible issue ages (no auto bind available above Table F) $50,000,000 all eligible issue ages (no auto bind available above Table D) $65,000,000 all issue ages *Amounts will be reduced based on rating, foreign risk, professional athletes and high profile individuals. Reinsurance Manuals: Proprietary; Swiss Re for conditions not covered in their manual.

4 METLIFE as of 4/2016 MetLife Retention* $20 Million matic Binding Limit*: The amount the company can automatically bind the reinsurer for without their prior approval. *: The sum of all in force coverage & pending applications with all companies. $60 Million $25 Million (Aviation Risks) $15 Million (Foreign Residents: A List countries only not all qualify) $10 Million (Professional Athletes) $65 Million *Graded down by age and underwriting class. Other restrictions may apply. Reinsurance Manuals: Proprietary, Gen Re & Swiss Re MINNESOTA LIFE as of 4/2016 Retention Bind* Permanent Term $5 Million on individual life cases up to age 80 $7.5 Million on joint life cases up to age 80 $2.5 Million on professional athletes Ages 0-70: $50 Million through Table H Ages 71-80: $30 Million through Table H Ages 81-85: $5 Million through Table D Ages 0-80: $65 Million Ages 81+: $50 Million Ages 0-80: $50 Million *For any uninsurable on a joint life case the autobind limit is determined by the insurable life s age/rating consistent with above. Pro Athletes unable to autobind. Reinsurance Manuals: Proprietary & Swiss Re NORTH AMERICAN as of 4/2016 Ages Retention bind Up to Table 0-75 $1,000,000 $20,000, $500,000 $5,000, $250,000 $2,500,000 Standard Only $35 Million

5 OneAmerica as of 5/2016 Retention limit is $1mm for the life insurance component. Amounts in excess of that would be reinsured although that is very rare for Asset-Care. For COB our maximum monthly benefit is 12k and we do not reinsure that component. PROTECTIVE LIFE as of 5/2016 Retention Limit (Maximum retention on all product includes base coverage plus life riders.) Maximum Retention Limits Single Life Products*: Std through Table 4 or $0-$10.00 Flat Extra Ages: 0-75 $5,000,000 Ages: $2,500,000 Ages: $750,000 Single Life Products: Table 5 through Table 8 or $10.01-$20.00 Flat Extra Ages: 0-75 $5,000,000 Ages: $1,000,000 Ages: None Survivor UL & Survivorship Term**: All ages, all ratings $2,000,000 matic Binding Limits All single Life plans: Std through Table 4 or $0-$20.00 Flat Extra Ages: 0-75 $50,000,000 Ages: $20,000,000 Ages: $10,000,000 All single Life plans: Table 5 through Table 8 or $10.01-$20.00 Flat Extra Ages: 0-75 $50,000,000 Ages: $10,000,000 Ages: None Survivor UL/Survivorship Term: Both Lives Insurable Ages 0-75; Std through Table 8 or $0-$20.00 Flat Extra: $40,000,000 Ages 76-80; Std through Table 4 or $0-$10.00 Flat Extra: $40,000,000 Ages 76-80; Table 5 through Table 8 or $10.01-$20.00 Flat Extra: $33,666,667 Ages 81-85; Std through Table 4 o$0-$10.00 Flat Extra: $10,000,000 Survivor UL/Survivorship Term: One Life Insurable (Std through Table 4 or $0-$10.00 Flat Extra) and one life Uninsurable Ages: 0-80 $40,000,000 Ages: $10,000,000 Permanent All Plans: Ages 0-80 $65,000,000; Ages $35,000,000 Survivorship Term: Ages 0-80 $65,000,000; Ages $35,000,000 *Maximum Retention Limit (including all life riders) is on an Excess Share matic Retention basis for Survivorship UL & Single Life UL. **Maximum Retention Limit (including All life riders) for Survivorship Term is based on a 10% First Dollar Quota Share matic Retention. Reinsurance Manuals: Swiss Re, Munich, Hannover, Gen Re & RGA

6 PRUDENTIAL as of 4/2016 Retention Limit on Single-life policies (Non Substandard ages 0 to 65) Retention Limit on Survivorship policies (Non Substandard ages 0 to 65) on most Single life and Survivorship policies $20 Million $20 Million $65 Million Click here to view Prudential s underwriting guide for placing large cases. Reinsurance Manuals: Proprietary, Gen Re & Swiss Re SBLI as of 4/2016 Retention Ages Standard Tables A-E Tables F & Above $500,000 $500,000 $100,000 Fac 100% Fac 100% Fac 100% Binding Limit $15 Million $50 Million

7 SYMETRA as of 4/2016 Issue Ages All Non- Substandard Retention Limits ¹ ² Table 1-4 Table 5-8 Table 9-16 SUL-G $6,000,000 $6,000,000 $2,000,000 $1,000, $2,000,000 $2,000,000 Facultative Facultative Classic Universal Life 0-80 $3,000,000 $3,000,000 $2,000, $1,000,000 $1,000,000 Facultative Level Term 0-75 $3,000,000 $3,000,000 $2,000,000 matic Binding Limits ¹ ² SUL-G $35,000,000 $35,000,000 $25,000,000 $1,000, $35,000,000 $35,000,000 $15,000,000 $1,000, $15,000,000 $7,500,000 Facultative Facultative Classic Universal Life 0-70 $35,000,000 $35,000,000 $25,000, $35,000,000 $35,000,000 $15,000, $15,000,000 $7,500,000 3 Facultative Level Term 0-70 $25,000,000 $25,000,000 $15,000, $10,000,000 $10,000,000 $1,000,000 3 ¹ ² If the amount of all life insurance in force, and applied for, exceeds the jumbo limits below, the application will be underwritten using facultative reinsurance. Classic Universal Life: $65,000,000 for ages 0-80; $40,000,000 for ages SUL-G 1.0: $65,000,000 for ages 20-80; $40,000,000 for ages Level Term: $65,000,000 for ages 0-70; $40,000,000 for ages Retention Limits, matic Binding and may be reduced by age, mortality assessment, aviation risks, and on juveniles. Limits are based on younger and/or healthier individuals. Coverage may be reduced or not available for foreign risks and sports figures. 2 Applications containing Return of Premium rider or other increasing features must satisfy Symetra s matic Binding and based on ultimate death benefit amount. 3 Represents Symetra Life Insurance Company s retention only (no automatic binding)

8 TRANSAMERICA as of 4/2016 Single Life Universal Life, Term, ISWL, Indexed UL Standard through Table D Table E - H Table J - P Ages Retention binding Retention binding Retention binding Issue Issue Issue 0-15 $10M $0 $10M $0 $0 $0 $0 $0 $ $15M $45M $60M $10M $20M $30M $7.5M $0 $7.5M $15M $45M $60M $10M $20M $30M $7.5M $0 $7.5M $45M $ $15M $30M $7.5M $15M $4.5M $0 $4.5M M $15M $15M $30M $7.5M $7.5M $15M $0 $0 $ $7.5M $7.5M $15M $0 $0 $0 $0 $0 $0 $4.5M $4.5M $0 (Std $0 $0 $0 $0 $0 $0 (Std only) only) NOTE: Policies may not be available due to age, risk assessment, and state availability. Please refer to the product guide for details or contact your sales team with any questions. * bind limits are halved on risks with aviation regardless if there is aviation coverage or exclusion. is $65 million for issue ages Reinsurance Manual(s): did not disclose. UNITED OF OMAHA as of 4/2016 Retention Ratings & Flat Extras Ages 0-80 Ages Standard through Table 6 & Flat Extras through $15/Thousand $5,000,000 $500,000 Table 7+ and Flat Extras over $15/Thousand $2,500,000 N/A Maximum bind Ratings & Flat Extras Ages 0-80 Ages Standard through Table 6 & Flat Extras through $15/Thousand $30,000,000 $3,000,000 Standard Only Table 7+ and Flat Extras over $15/Thousand $15,000,000 Facultative Only Up to Age 80 $65,000, $25,000,000 Total Amounts In Force and Applied For Including Any Replacements Reinsurance Manuals: Swiss Re & Hannover