OPTerm 20 (guar 20) Preferred Plus Non-Tobacco NOTE: Rates Effective 10/26/2009

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1 Banner Life + ReliaStar Life Insurance Company (ING) + Genworth Life and nnuity Insurance Company M Best Genworth Life Insurance Company M Best merican General Life Companies + Transamerica Life Insurance Co Family Markets Western Reserve Life Minnesota Life + North merican Company for Life and Health Insurance + + OPTerm 20 (guar 20) NOTE: Rates Effective 10/26/2009 ING TermSmart 20 (guar 20) Super Preferred Nonsmoker NOTE: Substandard premiums are not exact. Please utilize ING's proprietary software, ING Presents. Rates effective 7/11/2009. Colony 20 (guar 20) Preferred Best No Nicotine Use Sure Term 20 (guar 20) Preferred Best No Nicotine Use G Select--Term (20 yrs) Nontobacco NOTE: Rates Effective 11/16/2009 Ultima Champion (20 yrs) Preferred Elite Non-Tobacco TermPlus (20 yrs) Preferred Elite Non-Tobacco dvantage Elite Term 20 Preferred Select Non-Tobacco NOTE: Rates Effective 9/2008 DDvantage 20 (guar 20) Super NOTE: Rates effective ugust 13, 2009 Nearest ge 41 $ Nearest ge 41 $ Nearest ge 41 $ Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ ctual ge 40 $ Nearest ge 41 $ Nearest ge 41 $ Page 1 of 5

2 Transamerica Life Insurance Co Lincoln National Life Insurance Company + + West Coast Life + viva Life and nnuity Company United of Omaha + NR NR + Trendsetter Super (20 yrs) NOTE: Rates effective September 1, 2009 LifeElements (20 yrs) 2009 NOTE: There is a one-time, automatic and significant decrease in death benefit immediately following the level term period. Only occurs if coverage is continued beyond level term period-rates eff 3/23/09 Term Essential 20 (guar 20) Preferred Best Non Smoker Focus Term 20 (guar 20) Super Preferred NOTE: The contents of this website are for illustration purposes only. For current information, please use our WinFlex software. Waiver of premium not available after Table 4 (D) 20 Year Term 01/2010 Premier Non-Tobacco NOTE: Rates effective 1/25/2010 Term Life 20 nswers (guar 20) NOTE: Rates effective 12/1/09. ctual premium will be determined by carrier and may differ from this quote. Term Elite 20 (guar 20) Preferred Best Non Smoker Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ Page 2 of 5

3 United of Omaha + Union Central/meritas Life merican General Life Companies + Banner Life + ReliaStar Life Insurance Company (ING) + merican National Genworth Life and nnuity Insurance Company Genworth Life Insurance Company Transamerica Life Insurance Co Family Markets Term Life 20 nswers (guar 20) NOTE: Rates effective 12/1/09. ctual premium will be determined by carrier and may differ from this quote. Keystone Term 20 (guar 20) NOTE: Rates effective 2/26/07 G Select--Term (20 yrs) NOTE: Rates Effective 11/16/2009 OPTerm 20 (guar 20) NOTE: Rates Effective 10/26/2009 ING TermSmart 20 (guar 20) Preferred Nonsmoker NOTE: Substandard premiums are not exact. Please utilize ING's proprietary software, ING Presents. Rates effective 7/11/2009. NICO Select Term without ROP (20 yrs) Nicotine Non-User NOTE: NICO Select Term is a level premium term with guaranteed level premiums for the initial term period of 10, 15, 20, or 30 years. n optional ROP rider may be added at issue on qualifying plans. Colony 20 (guar 20) Preferred No Nicotine Use Sure Term 20 (guar 20) Preferred No Nicotine Use Ultima Champion (20 yrs) ctual ge 40 $ Nearest ge 41 $ Nearest ge 41 $ Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ Nearest ge 41 $ Nearest ge 41 $ ctual ge 40 $ Page 3 of 5

4 Western Reserve Life Minnesota Life + Transamerica Life Insurance Co + Lincoln National Life Insurance Company + North merican Company for Life and Health Insurance + + West Coast Life + + merican National TermPlus (20 yrs) dvantage Elite Term 20 NOTE: Rates Effective 9/2008 Trendsetter Super (20 yrs) Preferred Nonsmoker NOTE: Rates effective September 1, 2009 Term Essential 20 (guar 20) LifeElements (20 yrs) 2009 Preferred Non-Smoker NOTE: There is a one-time, automatic and significant decrease in death benefit immediately following the level term period. Only occurs if coverage is continued beyond level term period-rates eff 3/23/09 DDvantage 20 (guar 20) NOTE: Rates effective ugust 13, 2009 Focus Term 20 (guar 20) NOTE: The contents of this website are for illustration purposes only. For current information, please use our WinFlex software. Waiver of premium not available after Table 4 (D) Term Elite 20 (guar 20) NICO Select Term without ROP (20 yrs) Preferred Nicotine Non-User NOTE: NICO Select Term is a level premium term with guaranteed level premiums for the initial term period of 10, 15, 20, or 30 years. n optional ROP rider may be added at issue on qualifying plans. ctual ge 40 $ Nearest ge 41 $1, Nearest ge 41 $1, ctual ge 40 $1, Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $1, ctual ge 40 $1, ctual ge 40 $1, Page 4 of 5

5 Union Central/meritas Life NR NR viva Life and nnuity Company RBC Insurance NR RBC Insurance NR merican General Life Companies + merican General Life Companies + Keystone Term 20 (guar 20) NOTE: Rates effective 2/26/07 20 Year Term 01/2010 Preferred Non Tobacco NOTE: Rates effective 1/25/2010 RBC Level Term 20 (guar 20) Nontobacco NOTE: Effective date 12/5/2008 RBC Level Term 20 (guar 20) NOTE: Effective date 12/5/2008 G ROP Select-a-Term (20 yrs) Nontobacco NOTE: Rates Effective 3/9/2009 G ROP Select-a-Term (20 yrs) NOTE: Rates Effective 3/9/2009 Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $1, Nearest ge 41 $3, Nearest ge 41 $4, Page 5 of 5

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