Registration No. 333-232969
811-22589
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM N-6
REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
Post-Effective Amendment No. 4
and/or
REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940
Amendment No. 25
Principal National Life Insurance Company Variable Life Separate Account
(Exact Name of Registrant)
Principal National Life Insurance Company
(Name of Depositor)
Principal Financial Group, 711 High Street, Des Moines, Iowa 50392
(Address of Depositor’s Principal Executive Offices)
(515) 246-5688
(Depositor’s Telephone Number, including Area Code)
Britney Schnathorst
Principal National Life Insurance Company
The Principal Financial Group
Des Moines, Iowa 50392-0300
Telephone Number, Including Area Code: (515) 235-1209
(Name and Address of Agent for Service)
Principal Variable Universal Life Income IV
(Title of Securities Being Registered)
It is proposed that this filing will become effective (check appropriate box):
_____    immediately upon filing pursuant to paragraph (b) of Rule 485
  XX     on November 29, 2021 pursuant to paragraph (b) of Rule 485
_____    60 days after filing pursuant to paragraph (a)(1) of Rule 485
_____    on (date) pursuant to paragraph (a)(1) of Rule 485
If appropriate, check the following box:
    ____  This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

No filing fee is due because an indefinite amount of securities is deemed to have been registered in reliance on Section 24(f) of the Investment Company Act of 1940.

EXPLANATORY NOTE
Registrant is filing this post-effective amendment no. 25 for the Principal Variable Universal Life Income IV policy (this “Amendment”) for the sole purpose of adding a supplement to Registrant’s post-effective amendment no. 20 to its registration statement dated May 1, 2021. Except as specifically noted in the supplement, this Amendment is not intended to amend or delete any part of the Registration Statement, which is incorporated by reference herein.





PRINCIPAL NATIONAL LIFE INSURANCE COMPANY VARIABLE LIFE SEPARATE ACCOUNT

SUPPLEMENT DATED DECEMBER 15, 2021
TO THE PROSPECTUS DATED MAY 1, 2021 FOR
PRINCIPAL VARIABLE UNIVERSAL LIFE INCOME IV

This supplement updates information in the prospectus for Principal Variable Universal Life IV (the “Policy”) issued by Principal National Life Insurance Company through the Principal National Life Insurance Company Variable Life Separate Account. Retain this supplement with the prospectus.
SUMMARY: FEE TABLES

In the first table, first column, fifth row ("Surrender Charge"), rename the first line "Surrender Charge - for Policy Dates before December 15, 2021". After the fifth row, add the following new row:
Surrender Charge -for Policy Dates on or after December 15, 2021* (full surrender of Policy)from surrender proceeds
Maximum$57.54 per $1,000 of Face Amount
Minimum$12.48 per $1,000 of Face Amount
Current Charge for Representative Insured(1)
$23.76 per $1,000 of Face Amount
Add “For Policy Dates before December 15, 2021” to the heading of the second table (entitled "Periodic Charges Other than Underlying Mutual Fund Operating Expenses").

After the second table, add the following:



Periodic Charges Other Than Underlying Mutual Fund Operating Expenses
For Policy Dates on or after December 15, 2021*
ChargeWhen Charge is DeductedAmount Deducted
Cost of Insurance
monthly
Maximum
$83.33333 per $1,000 of Net Amount at Risk
Minimum
$0.00565 per $1,000 of Net Amount at Risk
Current Charge for Representative Insured(1)
$0.05200 per $1,000 of Net Amount at Risk
Asset Based Charge
monthly
Maximum
0.15% of Division Value (annualized charge)
Current
0.00% of Division Value (annualized charge)
Monthly Administration Charge
monthly
Maximum
$25.00 per month
Current
$25.00 per month, decreasing to $10.00 per month after the first Policy Year.
Monthly Policy Issue Charge
monthly
Maximum
$1.11925 per $1,000 of Face Amount
Minimum
$0.06737 per $1,000 of Face Amount
Current Charge for Representative Insured(1)
$0.22925 per $1,000 of Face Amount
Net Policy Loan Charge(4)
annually (accrued daily)
Maximum
1.50% of Loan Indebtedness per year(5)
Current
1.50% of Loan Indebtedness per year(5)
Optional Insurance Benefits (Rates shown assume Insured’s risk class is standard or better).
Terminal Illness Death Benefit Advance Rider (annual interest charge)
annually, if You have a death benefit advance (accrued daily)
Maximum
5.50% of death proceeds advanced per year
Current
5.50% of death proceeds advanced per year(5)
Salary Increase Rider
monthly
Maximum
$0.13 per $1,000 of rider benefit in excess of $30,000
Current
$0.13 per $1,000 of rider benefit in excess of $30,000
Waiver of Monthly Policy Charges Rider
monthly
Maximum
$0.51 per $1,000 of Net Amount at Risk
Minimum
$0.01 per $1,000 of Net Amount at Risk
Current Charge for Representative Insured(1)
$0.02 per $1,000 of Net Amount at Risk
Waiver of Specified Premium Rider
monthly
Maximum
$0.94 per $100 of Planned Periodic Premium
Minimum
$0.15 per $100 of Planned Periodic Premium
Current Charge for Representative Insured(1)
$0.40 per $100 of Planned Periodic Premium

Add the following footnote to the fee tables:

*    In states where approved; otherwise, we apply the rate(s) in effect for Policy Dates before December 15, 2021, regardless of Policy Date.
GLOSSARY

Delete the definition of No-Lapse Guarantee Monthly Premium, and replace with the following:




No-Lapse Guarantee Monthly Premium - a premium which is required to be paid to guarantee the Policy will not terminate during the No-Lapse Guarantee Period.
No-Lapse Guarantee Period - the period for which the Policy is guaranteed not to terminate if the No-Lapse Guarantee Monthly Premium is paid.

For Policy Dates before December 15, 2021, the No-Lapse Guarantee Period is the first ten Policy Years.

For Policy Dates on or after December 15, 2021*, the No-Lapse Guarantee Period varies based on the Insured's age, as follows:
Insured's Age on Policy DateNo-Lapse Guarantee Period
0-75 yearsfirst 10 Policy Years
76 yearsfirst 9 Policy Years
77 yearsfirst 8 Policy Years
78 yearsfirst 7 Policy Years
79 yearsfirst 6 Policy Years
80+ yearsfirst 5 Policy Years
*    In states where approved; otherwise, we apply the rate(s) in effect for Policy Dates before December 15, 2021, regardless of Policy Date.
CORPORATION ORGANIZATION AND OPERATION

Under The Fixed Account and Fixed DCA Account, delete the third paragraph and replace with the following:

We guarantee that Net Premiums allocated to the Fixed Accounts accrue interest daily at the following effective annual rates, compounded annually. We may, in Our sole discretion, credit interest at a higher rate. We may defer payment of proceeds payable out of the Fixed Accounts for a period of up to six months.
2%, for Policy Dates before December 15, 2021.
1% for Policy Dates on or after December 15, 2021 (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date).
CHARGES AND DEDUCTIONS

Under Monthly Policy Charge, delete the first paragraph under Cost of Insurance Charge, and replace with the following:

This charge compensates Us for providing insurance protection under the Policy. We base this charge on several factors including, but not limited to, (i) the Insured’s Gender, issue age, tobacco status, and risk classification, and (ii) Our expectations of future investment earnings, expenses, state and federal taxes, mortality and persistency experience, market conditions, and revenue for profit. The monthly cost of insurance rate ranges from a minimum of $0.00565 per $1,000 net amount at risk to a maximum of $83.33333 per $1,000 net amount at risk.

Under Monthly Policy Charge, delete the last sentence of the first paragraph under Monthly Policy Issue Charge, and replace with the following:

For Policy Dates before December 15, 2021, the Monthly Policy Issue Charge ranges from a minimum of $0.04 to a maximum of $1.01 per $1,000 Face Amount. For Policy Dates on or after December 15, 2021, the Monthly Policy Issue Charge ranges from a minimum of $0.06737 to a maximum of $1.11925 per $1,000 Face Amount. (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date). This charge applies in all years, but may decrease beginning in Policy Year 11.




PREMIUMS

Under Premiums Affecting Guarantee Provisions - No-Lapse Guarantee, in the first and fourth paragraphs, delete "first ten Policy Years," and replace with "No-Lapse Guarantee Period."

Under Premiums Affecting Guarantee Provisions - Death Benefit Guarantee, in the first paragraph, delete "ten year period provided by the no-lapse guarantee provision" and replace with "No-Lapse Guarantee Period."

Add "For Policy Dates Before December 15, 2021" to the Example heading. Add the following after the Example:
Example (For Policy Dates on or after December 15, 2021)*
If the Face Amount is $250,000 with Death Benefit Option 2 and
the Insured is a 40-year old male with a risk classification of preferred non-tobacco:
Premium RateDeath Benefit
Guarantee Monthly Premium
Death Benefit Guarantee to Attained Age 65
$7.21$150.21

*In states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date.
DEATH BENEFITS AND POLICY VALUES

Under Death Benefit Options, delete the final paragraph of the Example under Death Benefit Option 3 and replace with the following:

For Policy Dates before December 15, 2021, if the Definition of Life Insurance Test was the Cash Value     Accumulation Test, the applicable percentage would be 399.00% (assuming the insured is a male) and the death benefit would be $598,500.
For Policy Dates on or after December 15, 2021, if the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 219.771% (assuming the insured is a male) and the death benefit would be $329,657 (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date).
Under IRS Definition of Life Insurance, delete the tenth and eleventh paragraphs (which begin with “The example below is based…” and "Here's the same example..." respectively), and replace with the following:

For Policy Dates before December 15, 2021
The example below is based on the following:
The Insured is a male with an Attained Age of 40 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 45).
Face Amount is $100,000.
Death Benefit Option 1.
Policy Value at the date of death is $25,000.
The minimum death benefit under the guideline premium/cash value corridor test is $53,750 (assuming an applicable percentage of 215% x Policy Value).
The minimum death benefit under the cash value accumulation test is $94,720 (assuming an applicable percentage of 379%).



The death benefit payable
is the larger of these two amounts
Face
amount
Minimum
death
benefit
Net amount at
risk used in
calculating the cost
of insurance charge
Guideline Premium/Cash Value Corridor Test
$100,000$53,750$74,835.11
Cash Value Accumulation Test
$100,000$94,720$74,835.11

Here’s the same example, but with a Policy Value of $75,000. Because the Policy Value has increased, the minimum death benefit is now:
$161,250 for the guideline premium/cash value corridor test.
$284,160 for the cash value accumulation test.
The death benefit payable
is the larger of these two amounts
Face
amount
Minimum
death
benefit
Net amount at
risk used in
calculating the cost
of insurance charge
Guideline Premium/Cash Value Corridor Test
$100,000$161,250$85,984.12
Cash Value Accumulation Test
$100,000$284,160$208,691.46

For Policy Dates on or after December 15, 2021 (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)
The example below is based on the following:
The Insured is a male with an Attained Age of 40 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 45).
Face Amount is $100,000.
Death Benefit Option 1.
Policy Value at the date of death is $25,000.
The minimum death benefit under the guideline premium/cash value corridor test is $53,750 (assuming an applicable percentage of 215% x Policy Value).
The minimum death benefit under the cash value accumulation test is $50,398 (assuming an applicable percentage of 201.591%).
The death benefit payable
is the larger of these two amounts
Face
amount
Minimum
death
benefit
Net amount at
risk used in
calculating the cost
of insurance charge
Guideline Premium/Cash Value Corridor Test
$100,000$53,750$74,917.11
Cash Value Accumulation Test
$100,000$50,398$74,917.11

Here’s the same example, but with a Policy Value of $75,000. Because the Policy Value has increased, the minimum death benefit is now:
$161,250 for the guideline premium/cash value corridor test.
$151,193 for the cash value accumulation test.



The death benefit payable
is the larger of these two amounts
Face
amount
Minimum
death
benefit
Net amount at
risk used in
calculating the cost
of insurance charge
Guideline Premium/Cash Value Corridor Test
$100,000$161,250$86,116.35
Cash Value Accumulation Test
$100,000$151,193$76,067.93
Under Adjustment Options - Increase in Face Amount, delete the first paragraph and replace with the following:

You may request an increase provided that the Policy is not in a grace period and Monthly Policy Charges are not being waived under a rider. The minimum increase in Face Amount is $50,000 ($10,000 for special underwriting programs). A Face Amount increase request made during the No-Lapse Guarantee Period will increase the No-Lapse Guarantee Monthly Premium for the remainder of the No-Lapse Guarantee Period.
LOANS

Under Policy Loans, delete the second paragraph and replace with the following:

You are charged interest on any Loan Indebtedness as follows:
For Policy Dates before December 15, 2021, during the first ten policy years, the interest rate is 5.50% per year. After policy year ten, the interest rate is 4.00% per year.
For Policy Dates on or after December 15, 2021, during the first ten policy years, the interest rate is 3.50% per year. After policy year ten, the interest rate is 2.00% per year (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date).

Interest accrues daily and is due and payable at the end of the Policy Year. If interest is not paid when due, it is added to the Loan Indebtedness. Adding unpaid interest to the Loan Indebtedness causes additional amounts to be withdrawn from Your Fixed Account, Fixed DCA Account and/or Division(s) and transferred to the Loan Account. Withdrawals are made in the same proportion as the allocation used for the most recent Monthly Policy Charge.

Under Loan Account, delete the second paragraph and replace with the following:

Your loan account earns interest from the date of transfer as set forth below. Interest accrues daily and is paid at the end of the Policy Year. Once credited, interest is nonforfeitable.
For Policy Dates before December 15, 2021, 4.00% of the amount in the Loan Account per year
For Policy Dates on or after December 15, 2021, 2.00% of the amount in the Loan Account per year (in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)
POLICY TERMINATION AND REINSTATEMENT

Throughout the section, delete "first 10 Policy Years" and replace with "No-Lapse Guarantee Period."

In the second paragraph under No-Lapse Guarantee Test, delete "tenth Policy Year," and replace with "No-Lapse Guarantee Period."

Under Reinstatement, in the fourth paragraph under Minimum Required Premium, delete "During Policy Years 11 and later" and replace with "After the No-Lapse Guarantee Period."



APPENDIX A

In Appendix A, delete the current heading and replace with the following:

APPENDIX A – SURRENDER CHARGE RATE TABLE - For Policy Dates before December 15, 2021

In Appendix A, add the following tables to the end of the section:

APPENDIX A – SURRENDER CHARGE RATE TABLE - For Policy Dates on or after December 15, 2021
(in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)

Issue Age
Male
Female
Unisex
0
12.95
12.48
12.86
1
13.06
12.56
12.96
2
13.17
12.66
13.07
3
13.30
12.76
13.19
4
13.43
12.87
13.32
5
13.56
12.99
13.45
6
13.71
13.10
13.59
7
13.85
13.23
13.73
8
14.01
13.36
13.88
9
14.17
13.49
14.04
10
14.34
13.63
14.20
11
14.52
13.78
14.38
12
14.71
13.93
14.55
13
14.90
14.09
14.74
14
15.10
14.26
14.94
15
15.31
14.43
15.14
16
15.52
14.61
15.34
17
15.73
14.79
15.55
18
15.95
14.98
15.76
19
16.16
15.17
15.97
20
16.38
15.37
16.19
21
16.62
15.59
16.42
22
16.86
15.81
16.65
23
17.11
16.04
16.90
24
17.37
16.29
17.16
25
17.65
16.54
17.43
26
17.93
16.81
17.71
27
18.23
17.08
18.01
28
18.55
17.37
18.32
29
18.88
17.68
18.65
30
19.23
18.00
18.99
31
19.60
18.33
19.35
32
19.99
18.68
19.73
33
20.39
19.05
20.13
34
20.81
19.43
20.55
35
21.25
19.83
20.98
36
21.72
20.25
21.43
37
22.19
20.69
21.90



38
22.69
21.14
22.39
39
23.22
21.61
22.91
40
23.76
22.11
23.44
41
24.32
22.63
24.00
42
24.92
23.18
24.58
43
25.53
23.75
25.19
44
26.18
24.36
25.83
45
26.87
25.01
26.51
46
27.60
25.69
27.23
47
28.37
26.41
27.99
48
29.19
27.16
28.80
49
30.06
27.96
29.65
50
30.98
28.81
30.56
51
31.97
29.70
31.53
52
33.01
30.64
32.56
53
34.12
31.64
33.64
54
35.30
32.70
34.80
55
36.56
33.82
36.03
56
37.90
35.01
37.34
57
39.32
36.27
38.73
58
40.84
37.61
40.21
59
42.45
39.03
41.79
60
44.17
40.55
43.47
61
46.01
42.16
45.26
62
47.97
43.88
47.17
63
50.05
45.71
49.21
64
52.27
47.66
51.38
65
54.64
49.74
53.69
66
57.17
51.96
56.16
67
57.52
54.33
57.54
68
57.44
56.86
57.47
69
57.35
57.52
57.39
70
57.27
57.45
57.30
71
57.19
57.37
57.22
72
57.11
57.29
57.14
73
57.03
57.20
57.07
74
56.96
57.11
56.99
75
56.88
57.02
56.91
76
56.80
56.92
56.82
77
56.70
56.82
56.72
78
56.59
56.72
56.62
79
56.48
56.62
56.51
80
56.37
56.51
56.40
81
56.26
56.42
56.29
82
56.14
56.33
56.18
83
56.06
56.25
56.10
84
55.99
56.18
56.03
85
55.95
56.13
55.99




APPENDIX B

In Appendix B, delete the current heading and replace with the following:

APPENDIX B – SURRENDER CHARGE PERCENTAGE TABLE - For Policy Dates before December 15, 2021

In Appendix B, add the following tables to the end of the section:

APPENDIX B – SURRENDER CHARGE PERCENTAGE TABLE - For Policy Dates on or after December 15, 2021
(in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)
Male
Policy Year
Issue
Age
1
2
3
4
5
6
7
8
9
10
11
0
100.0 %98.9 %97.9 %96.9 %95.8 %80.5 %65.6 %51.0 %33.0 %9.5 %0.0 %
1
100.0 %98.9 %97.8 %96.7 %95.7 %80.4 %65.5 %50.9 %32.9 %9.5 %0.0 %
2
100.0 %98.9 %97.8 %96.8 %95.7 %80.4 %65.5 %50.8 %32.9 %9.5 %0.0 %
3
100.0 %98.8 %97.8 %96.6 %95.6 %80.3 %65.4 %50.7 %32.8 %9.5 %0.0 %
4
100.0 %98.8 %97.7 %96.6 %95.5 %80.3 %65.3 %50.7 %32.8 %9.4 %0.0 %
5
100.0 %98.8 %97.7 %96.6 %95.5 %80.2 %65.3 %50.6 %32.7 %9.4 %0.0 %
6
100.0 %98.8 %97.6 %96.5 %95.4 %80.1 %65.1 %50.5 %32.7 %9.4 %0.0 %
7
100.0 %98.8 %97.6 %96.5 %95.3 %80.0 %65.1 %50.5 %32.6 %9.4 %0.0 %
8
100.0 %98.8 %97.6 %96.4 %95.2 %80.0 %65.0 %50.4 %32.6 %9.4 %0.0 %
9
100.0 %98.8 %97.6 %96.4 %95.2 %79.9 %65.0 %50.4 %32.5 %9.4 %0.0 %
10
100.0 %98.8 %97.5 %96.3 %95.1 %79.8 %64.9 %50.3 %32.5 %9.4 %0.0 %
11
100.0 %98.7 %97.5 %96.2 %95.1 %79.7 %64.8 %50.3 %32.5 %9.3 %0.0 %
12
100.0 %98.7 %97.4 %96.2 %94.9 %79.7 %64.8 %50.2 %32.4 %9.3 %0.0 %
13
100.0 %98.7 %97.4 %96.2 %94.9 %79.6 %64.7 %50.2 %32.4 %9.3 %0.0 %
14
100.0 %98.7 %97.4 %96.2 %94.9 %79.6 %64.7 %50.1 %32.4 %9.3 %0.0 %
15
100.0 %98.6 %97.4 %96.1 %94.9 %79.6 %64.6 %50.1 %32.3 %9.3 %0.0 %
16
100.0 %98.7 %97.4 %96.1 %94.8 %79.5 %64.5 %50.0 %32.3 %9.3 %0.0 %
17
100.0 %98.7 %97.3 %96.1 %94.7 %79.4 %64.5 %49.9 %32.2 %9.3 %0.0 %
18
100.0 %98.6 %97.3 %95.9 %94.6 %79.3 %64.4 %49.8 %32.1 %9.2 %0.0 %
19
100.0 %98.6 %97.3 %95.9 %94.6 %79.2 %64.3 %49.8 %32.1 %9.2 %0.0 %
20
100.0 %98.6 %97.3 %95.9 %94.5 %79.1 %64.2 %49.7 %32.0 %9.2 %0.0 %
21
100.0 %98.6 %97.1 %95.7 %94.4 %79.0 %64.1 %49.5 %31.9 %9.2 %0.0 %
22
100.0 %98.5 %97.1 %95.7 %94.3 %78.9 %63.9 %49.5 %31.8 %9.1 %0.0 %
23
100.0 %98.5 %97.1 %95.6 %94.2 %78.8 %63.8 %49.3 %31.7 %9.1 %0.0 %
24
100.0 %98.5 %97.0 %95.5 %94.0 %78.7 %63.7 %49.2 %31.7 %9.1 %0.0 %
25
100.0 %98.4 %96.9 %95.4 %93.9 %78.5 %63.6 %49.1 %31.6 %9.0 %0.0 %
26
100.0 %98.4 %96.9 %95.3 %93.8 %78.4 %63.4 %49.0 %31.5 %9.0 %0.0 %
27
100.0 %98.4 %96.8 %95.2 %93.6 %78.2 %63.3 %48.9 %31.4 %9.0 %0.0 %
28
100.0 %98.3 %96.7 %95.1 %93.5 %78.1 %63.2 %48.7 %31.3 %9.0 %0.0 %
29
100.0 %98.3 %96.7 %95.0 %93.4 %78.0 %63.1 %48.6 %31.2 %8.9 %0.0 %
30
100.0 %98.3 %96.6 %94.9 %93.2 %77.8 %62.9 %48.5 %31.2 %8.9 %0.0 %
31
100.0 %98.2 %96.5 %94.8 %93.1 %77.7 %62.8 %48.4 %31.1 %8.9 %0.0 %
32
100.0 %98.2 %96.4 %94.7 %93.0 %77.6 %62.7 %48.3 %31.0 %8.9 %0.0 %
33
100.0 %98.2 %96.4 %94.7 %92.9 %77.5 %62.6 %48.2 %30.9 %8.8 %0.0 %
34
100.0 %98.2 %96.3 %94.6 %92.7 %77.3 %62.4 %48.0 %30.8 %8.8 %0.0 %



35
100.0 %98.1 %96.3 %94.4 %92.6 %77.2 %62.3 %47.9 %30.7 %8.8 %0.0 %
36
100.0 %98.1 %96.2 %94.3 %92.4 %77.0 %62.1 %47.8 %30.6 %8.7 %0.0 %
37
100.0 %98.1 %96.2 %94.3 %92.4 %76.9 %62.0 %47.7 %30.5 %8.7 %0.0 %
38
100.0 %98.0 %96.1 %94.1 %92.2 %76.8 %61.8 %47.5 %30.4 %8.7 %0.0 %
39
100.0 %98.0 %96.0 %94.0 %92.0 %76.5 %61.6 %47.3 %30.2 %8.6 %0.0 %
40
100.0 %97.9 %95.9 %93.9 %91.8 %76.3 %61.5 %47.1 %30.1 %8.6 %0.0 %
41
100.0 %97.9 %95.8 %93.7 %91.7 %76.2 %61.3 %46.9 %30.0 %8.5 %0.0 %
42
100.0 %97.8 %95.7 %93.6 %91.4 %75.9 %61.0 %46.7 %29.8 %8.5 %0.0 %
43
100.0 %97.8 %95.6 %93.4 %91.2 %75.7 %60.8 %46.5 %29.7 %8.4 %0.0 %
44
100.0 %97.7 %95.5 %93.3 %91.0 %75.5 %60.5 %46.3 %29.5 %8.4 %0.0 %
45
100.0 %97.7 %95.4 %93.1 %90.8 %75.2 %60.3 %46.1 %29.3 %8.3 %0.0 %
46
100.0 %97.6 %95.2 %92.8 %90.5 %74.9 %60.0 %45.8 %29.1 %8.2 %0.0 %
47
100.0 %97.5 %95.1 %92.7 %90.2 %74.6 %59.7 %45.6 %29.0 %8.2 %0.0 %
48
100.0 %97.4 %94.9 %92.4 %89.9 %74.3 %59.5 %45.3 %28.8 %8.1 %0.0 %
49
100.0 %97.4 %94.8 %92.2 %89.7 %74.1 %59.2 %45.1 %28.6 %8.1 %0.0 %
50
100.0 %97.3 %94.7 %92.0 %89.4 %73.8 %58.9 %44.8 %28.4 %8.0 %0.0 %
51
100.0 %97.2 %94.5 %91.8 %89.1 %73.5 %58.6 %44.6 %28.2 %7.9 %0.0 %
52
100.0 %97.2 %94.4 %91.6 %88.8 %73.2 %58.3 %44.3 %28.0 %7.9 %0.0 %
53
100.0 %97.1 %94.2 %91.4 %88.5 %72.8 %58.0 %44.0 %27.8 %7.8 %0.0 %
54
100.0 %97.0 %94.1 %91.1 %88.2 %72.5 %57.7 %43.8 %27.6 %7.8 %0.0 %
55
100.0 %96.9 %93.9 %90.9 %87.9 %72.2 %57.4 %43.5 %27.4 %7.7 %0.0 %
56
100.0 %96.8 %93.7 %90.6 %87.5 %71.9 %57.1 %43.2 %27.2 %7.6 %0.0 %
57
100.0 %96.7 %93.5 %90.4 %87.2 %71.5 %56.7 %42.9 %27.0 %7.6 %0.0 %
58
100.0 %96.6 %93.4 %90.1 %86.9 %71.2 %56.4 %42.6 %26.8 %7.5 %0.0 %
59
100.0 %96.6 %93.2 %89.9 %86.5 %70.8 %56.1 %42.3 %26.5 %7.4 %0.0 %
60
100.0 %96.5 %93.0 %89.6 %86.2 %70.5 %55.7 %42.0 %26.3 %7.3 %0.0 %
61
100.0 %96.4 %92.8 %89.3 %85.8 %70.1 %55.3 %41.6 %26.1 %7.3 %0.0 %
62
100.0 %96.3 %92.6 %89.0 %85.5 %69.7 %54.9 %41.3 %25.8 %7.2 %0.0 %
63
100.0 %96.2 %92.4 %88.7 %85.1 %69.3 %54.5 %40.9 %25.5 %7.1 %0.0 %
64
100.0 %96.1 %92.2 %88.4 %84.7 %68.8 %54.1 %40.5 %25.3 %7.0 %0.0 %
65
100.0 %96.0 %92.0 %88.1 %84.2 %68.4 %53.7 %40.1 %25.0 %6.9 %0.0 %
66
100.0 %95.8 %91.7 %87.7 %83.7 %67.9 %53.2 %39.8 %24.7 %6.8 %0.0 %
67
100.0 %95.7 %91.5 %87.3 %83.2 %67.4 %52.8 %39.4 %24.4 %6.7 %0.0 %
68
100.0 %95.5 %91.2 %86.9 %82.8 %66.9 %52.3 %39.0 %24.2 %6.7 %0.0 %
69
100.0 %95.4 %91.0 %86.6 %82.3 %66.5 %51.9 %38.6 %23.9 %6.6 %0.0 %
70
100.0 %95.3 %90.7 %86.2 %81.9 %66.0 %51.5 %38.2 %23.6 %6.5 %0.0 %
71
100.0 %95.1 %90.5 %85.9 %81.4 %65.6 %51.0 %37.8 %23.3 %6.4 %0.0 %
72
100.0 %95.0 %90.2 %85.5 %81.0 %65.1 %50.6 %37.4 %23.0 %6.3 %0.0 %
73
100.0 %94.9 %90.0 %85.2 %80.5 %64.6 %50.1 %37.0 %22.7 %6.2 %0.0 %
74
100.0 %94.8 %89.7 %84.8 %80.0 %64.0 %49.6 %36.5 %22.4 %6.1 %0.0 %
75
100.0 %94.6 %89.4 %84.4 %79.4 %63.5 %49.0 %36.0 %22.0 %6.0 %0.0 %
76
100.0 %94.5 %89.1 %83.9 %78.8 %62.9 %48.4 %35.6 %21.7 %5.9 %0.0 %
77
100.0 %94.3 %88.8 %83.4 %78.2 %62.2 %47.9 %35.1 %21.4 %5.8 %0.0 %
78
100.0 %94.1 %88.4 %82.9 %77.6 %61.7 %47.4 %34.7 %21.2 %5.8 %0.0 %
79
100.0 %93.9 %88.1 %82.4 %77.0 %61.1 %46.9 %34.4 %21.0 %5.7 %0.0 %
80
100.0 %93.7 %87.7 %81.9 %76.5 %60.7 %46.6 %34.2 %20.9 %5.7 %0.0 %
81
100.0 %93.5 %87.4 %81.6 %76.1 %60.3 %46.4 %34.1 %20.9 %5.7 %0.0 %
82
100.0 %93.4 %87.2 %81.3 %75.8 %60.2 %46.4 %34.1 %21.0 %5.8 %0.0 %
83
100.0 %93.3 %87.0 %81.1 %75.7 %60.2 %46.5 %34.4 %21.2 %5.8 %0.0 %
84
100.0 %93.2 %86.9 %81.2 %75.9 %60.5 %46.8 %34.7 %21.5 %5.9 %0.0 %
85
100.0 %93.2 %87.0 %81.4 %76.3 %61.0 %47.4 %35.2 %21.8 %6.0 %0.0 %







Female
Policy Year
Issue
Age
1
2
3
4
5
6
7
8
9
10
11
0
100.0 %99.0 %97.9 %97.0 %96.0 %80.8 %65.8 %51.1 %33.1 %9.5 %0.0 %
1
100.0 %99.0 %98.0 %97.0 %96.0 %80.7 %65.8 %51.1 %33.1 %9.5 %0.0 %
2
100.0 %98.9 %97.9 %96.9 %95.8 %80.6 %65.7 %51.0 %33.0 %9.5 %0.0 %
3
100.0 %98.9 %97.9 %96.9 %95.8 %80.6 %65.6 %51.0 %33.0 %9.5 %0.0 %
4
100.0 %98.9 %97.9 %96.8 %95.8 %80.5 %65.5 %50.9 %32.9 %9.5 %0.0 %
5
100.0 %98.9 %97.8 %96.7 %95.6 %80.4 %65.4 %50.8 %32.9 %9.5 %0.0 %
6
100.0 %98.9 %97.8 %96.7 %95.7 %80.4 %65.4 %50.8 %32.8 %9.5 %0.0 %
7
100.0 %98.8 %97.8 %96.6 %95.5 %80.2 %65.3 %50.7 %32.8 %9.4 %0.0 %
8
100.0 %98.8 %97.7 %96.6 %95.5 %80.2 %65.2 %50.6 %32.7 %9.4 %0.0 %
9
100.0 %98.8 %97.7 %96.5 %95.4 %80.1 %65.2 %50.6 %32.7 %9.4 %0.0 %
10
100.0 %98.8 %97.7 %96.5 %95.3 %80.1 %65.1 %50.5 %32.6 %9.4 %0.0 %
11
100.0 %98.8 %97.6 %96.4 %95.2 %79.9 %65.0 %50.4 %32.6 %9.4 %0.0 %
12
100.0 %98.7 %97.6 %96.4 %95.2 %79.9 %65.0 %50.4 %32.5 %9.4 %0.0 %
13
100.0 %98.7 %97.5 %96.3 %95.1 %79.9 %64.9 %50.3 %32.5 %9.4 %0.0 %
14
100.0 %98.7 %97.5 %96.3 %95.0 %79.8 %64.8 %50.3 %32.4 %9.3 %0.0 %
15
100.0 %98.7 %97.5 %96.3 %95.0 %79.7 %64.8 %50.2 %32.4 %9.3 %0.0 %
16
100.0 %98.7 %97.4 %96.2 %94.9 %79.6 %64.6 %50.1 %32.3 %9.3 %0.0 %
17
100.0 %98.7 %97.4 %96.1 %94.8 %79.5 %64.6 %50.0 %32.3 %9.3 %0.0 %
18
100.0 %98.6 %97.3 %96.0 %94.7 %79.4 %64.4 %49.9 %32.2 %9.3 %0.0 %
19
100.0 %98.6 %97.3 %96.0 %94.7 %79.3 %64.4 %49.9 %32.1 %9.2 %0.0 %
20
100.0 %98.6 %97.3 %95.9 %94.5 %79.2 %64.3 %49.8 %32.1 %9.2 %0.0 %
21
100.0 %98.5 %97.2 %95.8 %94.4 %79.1 %64.2 %49.6 %32.0 %9.2 %0.0 %
22
100.0 %98.6 %97.2 %95.8 %94.4 %79.0 %64.1 %49.6 %31.9 %9.2 %0.0 %
23
100.0 %98.6 %97.1 %95.7 %94.3 %78.9 %64.0 %49.5 %31.8 %9.1 %0.0 %
24
100.0 %98.5 %97.1 %95.6 %94.1 %78.8 %63.9 %49.4 %31.8 %9.1 %0.0 %
25
100.0 %98.5 %97.0 %95.5 %94.0 %78.7 %63.7 %49.2 %31.7 %9.1 %0.0 %
26
100.0 %98.4 %96.9 %95.4 %93.9 %78.5 %63.6 %49.1 %31.6 %9.1 %0.0 %
27
100.0 %98.4 %96.9 %95.4 %93.8 %78.4 %63.5 %49.0 %31.5 %9.0 %0.0 %
28
100.0 %98.4 %96.8 %95.3 %93.7 %78.3 %63.4 %49.0 %31.5 %9.0 %0.0 %
29
100.0 %98.4 %96.8 %95.1 %93.6 %78.2 %63.3 %48.8 %31.4 %9.0 %0.0 %
30
100.0 %98.3 %96.7 %95.1 %93.5 %78.1 %63.1 %48.7 %31.3 %9.0 %0.0 %
31
100.0 %98.3 %96.7 %95.0 %93.3 %78.0 %63.0 %48.6 %31.2 %8.9 %0.0 %
32
100.0 %98.3 %96.6 %94.9 %93.2 %77.8 %62.9 %48.5 %31.1 %8.9 %0.0 %
33
100.0 %98.2 %96.5 %94.8 %93.1 %77.6 %62.7 %48.3 %31.0 %8.9 %0.0 %
34
100.0 %98.2 %96.5 %94.7 %93.0 %77.5 %62.6 %48.2 %30.9 %8.8 %0.0 %
35
100.0 %98.2 %96.4 %94.6 %92.8 %77.4 %62.5 %48.1 %30.8 %8.8 %0.0 %
36
100.0 %98.1 %96.3 %94.5 %92.6 %77.2 %62.3 %47.9 %30.7 %8.8 %0.0 %
37
100.0 %98.1 %96.2 %94.3 %92.5 %77.0 %62.2 %47.8 %30.6 %8.7 %0.0 %
38
100.0 %98.1 %96.2 %94.3 %92.3 %76.9 %62.0 %47.6 %30.5 %8.7 %0.0 %
39
100.0 %98.1 %96.1 %94.2 %92.2 %76.7 %61.8 %47.5 %30.4 %8.6 %0.0 %
40
100.0 %98.0 %96.0 %94.0 %92.0 %76.5 %61.6 %47.3 %30.2 %8.6 %0.0 %
41
100.0 %97.9 %95.9 %93.9 %91.8 %76.3 %61.4 %47.1 %30.1 %8.6 %0.0 %
42
100.0 %97.9 %95.8 %93.7 %91.6 %76.1 %61.2 %46.9 %30.0 %8.5 %0.0 %
43
100.0 %97.8 %95.7 %93.6 %91.4 %75.9 %61.0 %46.8 %29.8 %8.5 %0.0 %
44
100.0 %97.8 %95.6 %93.4 %91.2 %75.7 %60.8 %46.6 %29.7 %8.4 %0.0 %
45
100.0 %97.7 %95.5 %93.2 %91.0 %75.4 %60.6 %46.4 %29.5 %8.4 %0.0 %
46
100.0 %97.7 %95.4 %93.1 %90.8 %75.2 %60.3 %46.1 %29.4 %8.3 %0.0 %



47
100.0 %97.6 %95.3 %92.9 %90.5 %75.0 %60.1 %45.9 %29.2 %8.3 %0.0 %
48
100.0 %97.6 %95.2 %92.7 %90.3 %74.8 %59.9 %45.7 %29.1 %8.2 %0.0 %
49
100.0 %97.5 %95.0 %92.5 %90.1 %74.5 %59.6 %45.5 %28.9 %8.2 %0.0 %
50
100.0 %97.4 %94.9 %92.3 %89.8 %74.2 %59.4 %45.3 %28.7 %8.1 %0.0 %
51
100.0 %97.4 %94.8 %92.2 %89.6 %74.0 %59.1 %45.0 %28.5 %8.1 %0.0 %
52
100.0 %97.3 %94.6 %92.0 %89.3 %73.7 %58.8 %44.8 %28.4 %8.0 %0.0 %
53
100.0 %97.2 %94.5 %91.8 %89.0 %73.4 %58.5 %44.5 %28.2 %7.9 %0.0 %
54
100.0 %97.1 %94.3 %91.5 %88.7 %73.1 %58.2 %44.3 %28.0 %7.9 %0.0 %
55
100.0 %97.1 %94.2 %91.3 %88.4 %72.8 %58.0 %44.0 %27.8 %7.8 %0.0 %
56
100.0 %97.0 %94.0 %91.1 %88.1 %72.5 %57.6 %43.7 %27.6 %7.7 %0.0 %
57
100.0 %96.9 %93.9 %90.8 %87.8 %72.2 %57.3 %43.4 %27.4 %7.7 %0.0 %
58
100.0 %96.8 %93.7 %90.6 %87.5 %71.8 %57.0 %43.2 %27.2 %7.6 %0.0 %
59
100.0 %96.7 %93.5 %90.3 %87.2 %71.5 %56.7 %42.9 %27.0 %7.5 %0.0 %
60
100.0 %96.6 %93.3 %90.1 %86.9 %71.1 %56.4 %42.6 %26.7 %7.5 %0.0 %
61
100.0 %96.6 %93.2 %89.8 %86.5 %70.8 %56.0 %42.3 %26.5 %7.4 %0.0 %
62
100.0 %96.4 %93.0 %89.6 %86.2 %70.4 %55.7 %41.9 %26.3 %7.3 %0.0 %
63
100.0 %96.4 %92.8 %89.3 %85.8 %70.0 %55.3 %41.6 %26.0 %7.3 %0.0 %
64
100.0 %96.3 %92.6 %89.0 %85.4 %69.7 %54.9 %41.3 %25.8 %7.2 %0.0 %
65
100.0 %96.2 %92.4 %88.7 %85.1 %69.3 %54.5 %40.9 %25.5 %7.1 %0.0 %
66
100.0 %96.0 %92.2 %88.4 %84.6 %68.8 %54.1 %40.6 %25.3 %7.0 %0.0 %
67
100.0 %95.9 %92.0 %88.1 %84.2 %68.4 %53.7 %40.2 %25.0 %6.9 %0.0 %
68
100.0 %95.8 %91.8 %87.8 %83.8 %68.0 %53.3 %39.8 %24.7 %6.8 %0.0 %
69
100.0 %95.7 %91.5 %87.4 %83.3 %67.5 %52.8 %39.4 %24.4 %6.7 %0.0 %
70
100.0 %95.6 %91.3 %87.0 %82.8 %67.0 %52.3 %38.9 %24.1 %6.6 %0.0 %
71
100.0 %95.5 %91.0 %86.6 %82.3 %66.4 %51.8 %38.5 %23.8 %6.5 %0.0 %
72
100.0 %95.3 %90.7 %86.2 %81.8 %65.9 %51.3 %38.1 %23.5 %6.4 %0.0 %
73
100.0 %95.2 %90.4 %85.8 %81.3 %65.4 %50.8 %37.6 %23.1 %6.3 %0.0 %
74
100.0 %95.0 %90.1 %85.4 %80.7 %64.8 %50.3 %37.1 %22.8 %6.2 %0.0 %
75
100.0 %94.8 %89.8 %84.9 %80.1 %64.2 %49.7 %36.7 %22.5 %6.2 %0.0 %
76
100.0 %94.7 %89.5 %84.5 %79.6 %63.6 %49.2 %36.3 %22.2 %6.1 %0.0 %
77
100.0 %94.5 %89.2 %84.0 %79.0 %63.1 %48.7 %35.9 %22.0 %6.0 %0.0 %
78
100.0 %94.3 %88.9 %83.6 %78.5 %62.6 %48.3 %35.5 %21.7 %5.9 %0.0 %
79
100.0 %94.2 %88.5 %83.1 %78.0 %62.1 %47.8 %35.2 %21.5 %5.9 %0.0 %
80
100.0 %94.0 %88.3 %82.8 %77.5 %61.7 %47.5 %34.9 %21.4 %5.8 %0.0 %
81
100.0 %93.9 %88.0 %82.4 %77.1 %61.3 %47.2 %34.7 %21.2 %5.8 %0.0 %
82
100.0 %93.7 %87.8 %82.1 %76.8 %61.1 %47.0 %34.5 %21.2 %5.8 %0.0 %
83
100.0 %93.6 %87.6 %81.9 %76.6 %60.9 %46.9 %34.5 %21.1 %5.8 %0.0 %
84
100.0 %93.5 %87.5 %81.8 %76.5 %60.8 %46.8 %34.4 %21.1 %5.8 %0.0 %
85
100.0 %93.5 %87.4 %81.7 %76.4 %60.8 %46.8 %34.4 %21.1 %5.8 %0.0 %





Unisex
Policy Year
Issue
Age
1
2
3
4
5
6
7
8
9
10
11
0
100.0 %98.9 %97.9 %96.8 %95.8 %80.6 %65.6 %51.0 %33.0 %9.5 %0.0 %
1
100.0 %98.9 %97.9 %96.9 %95.8 %80.5 %65.6 %50.9 %32.9 %9.5 %0.0 %
2
100.0 %99.0 %97.9 %96.8 %95.7 %80.4 %65.5 %50.9 %32.9 %9.5 %0.0 %
3
100.0 %98.9 %97.8 %96.8 %95.6 %80.4 %65.4 %50.8 %32.9 %9.5 %0.0 %
4
100.0 %98.8 %97.8 %96.6 %95.6 %80.3 %65.3 %50.7 %32.8 %9.5 %0.0 %
5
100.0 %98.8 %97.7 %96.6 %95.5 %80.3 %65.3 %50.7 %32.8 %9.4 %0.0 %
6
100.0 %98.8 %97.7 %96.6 %95.4 %80.1 %65.2 %50.6 %32.7 %9.4 %0.0 %
7
100.0 %98.9 %97.7 %96.5 %95.4 %80.1 %65.2 %50.6 %32.7 %9.4 %0.0 %
8
100.0 %98.8 %97.6 %96.5 %95.3 %80.0 %65.1 %50.5 %32.6 %9.4 %0.0 %
9
100.0 %98.7 %97.6 %96.4 %95.2 %79.9 %65.0 %50.4 %32.6 %9.4 %0.0 %
10
100.0 %98.8 %97.6 %96.4 %95.2 %79.9 %64.9 %50.4 %32.6 %9.4 %0.0 %
11
100.0 %98.7 %97.4 %96.3 %95.0 %79.7 %64.8 %50.3 %32.5 %9.3 %0.0 %
12
100.0 %98.7 %97.5 %96.2 %95.1 %79.7 %64.9 %50.3 %32.5 %9.3 %0.0 %
13
100.0 %98.7 %97.4 %96.2 %95.0 %79.7 %64.8 %50.2 %32.4 %9.3 %0.0 %
14
100.0 %98.7 %97.4 %96.1 %94.9 %79.6 %64.7 %50.1 %32.4 %9.3 %0.0 %
15
100.0 %98.6 %97.4 %96.1 %94.9 %79.6 %64.6 %50.1 %32.3 %9.3 %0.0 %
16
100.0 %98.6 %97.4 %96.1 %94.8 %79.5 %64.6 %50.0 %32.3 %9.3 %0.0 %
17
100.0 %98.7 %97.3 %96.0 %94.7 %79.4 %64.5 %49.9 %32.2 %9.3 %0.0 %
18
100.0 %98.6 %97.3 %96.0 %94.6 %79.3 %64.4 %49.8 %32.1 %9.2 %0.0 %
19
100.0 %98.6 %97.3 %95.9 %94.6 %79.3 %64.3 %49.8 %32.1 %9.2 %0.0 %
20
100.0 %98.6 %97.2 %95.8 %94.5 %79.1 %64.2 %49.7 %32.0 %9.2 %0.0 %
21
100.0 %98.5 %97.1 %95.7 %94.3 %79.0 %64.1 %49.6 %31.9 %9.2 %0.0 %
22
100.0 %98.6 %97.1 %95.7 %94.3 %78.9 %64.0 %49.5 %31.8 %9.1 %0.0 %
23
100.0 %98.5 %97.1 %95.6 %94.2 %78.8 %63.9 %49.4 %31.8 %9.1 %0.0 %
24
100.0 %98.5 %97.0 %95.5 %94.1 %78.7 %63.8 %49.3 %31.7 %9.1 %0.0 %
25
100.0 %98.5 %97.0 %95.4 %93.9 %78.6 %63.6 %49.1 %31.6 %9.1 %0.0 %
26
100.0 %98.4 %96.9 %95.4 %93.8 %78.4 %63.5 %49.0 %31.5 %9.0 %0.0 %
27
100.0 %98.4 %96.8 %95.2 %93.6 %78.3 %63.4 %48.9 %31.4 %9.0 %0.0 %
28
100.0 %98.4 %96.7 %95.1 %93.5 %78.1 %63.2 %48.8 %31.3 %9.0 %0.0 %
29
100.0 %98.3 %96.7 %95.0 %93.4 %78.0 %63.1 %48.7 %31.3 %8.9 %0.0 %
30
100.0 %98.3 %96.6 %94.9 %93.3 %77.9 %63.0 %48.6 %31.2 %8.9 %0.0 %
31
100.0 %98.3 %96.6 %94.9 %93.2 %77.8 %62.8 %48.5 %31.1 %8.9 %0.0 %
32
100.0 %98.2 %96.5 %94.8 %93.1 %77.6 %62.7 %48.3 %31.0 %8.9 %0.0 %
33
100.0 %98.2 %96.4 %94.7 %92.9 %77.5 %62.6 %48.2 %30.9 %8.8 %0.0 %
34
100.0 %98.1 %96.3 %94.5 %92.7 %77.3 %62.4 %48.1 %30.8 %8.8 %0.0 %
35
100.0 %98.1 %96.3 %94.5 %92.7 %77.2 %62.3 %47.9 %30.7 %8.8 %0.0 %
36
100.0 %98.1 %96.2 %94.4 %92.5 %77.1 %62.2 %47.8 %30.6 %8.7 %0.0 %
37
100.0 %98.1 %96.2 %94.3 %92.4 %76.9 %62.0 %47.7 %30.5 %8.7 %0.0 %
38
100.0 %98.0 %96.1 %94.2 %92.2 %76.8 %61.9 %47.5 %30.4 %8.7 %0.0 %
39
100.0 %97.9 %96.0 %94.0 %92.0 %76.6 %61.7 %47.3 %30.3 %8.6 %0.0 %
40
100.0 %97.9 %95.9 %93.9 %91.9 %76.4 %61.5 %47.2 %30.1 %8.6 %0.0 %
41
100.0 %97.9 %95.8 %93.7 %91.7 %76.2 %61.3 %47.0 %30.0 %8.5 %0.0 %
42
100.0 %97.8 %95.7 %93.6 %91.4 %75.9 %61.0 %46.8 %29.8 %8.5 %0.0 %
43
100.0 %97.8 %95.6 %93.4 %91.3 %75.7 %60.8 %46.6 %29.7 %8.4 %0.0 %
44
100.0 %97.7 %95.5 %93.3 %91.0 %75.5 %60.6 %46.4 %29.5 %8.4 %0.0 %
45
100.0 %97.7 %95.4 %93.1 %90.8 %75.2 %60.3 %46.1 %29.4 %8.3 %0.0 %
46
100.0 %97.6 %95.2 %92.9 %90.5 %75.0 %60.1 %45.9 %29.2 %8.3 %0.0 %
47
100.0 %97.6 %95.1 %92.7 %90.3 %74.7 %59.8 %45.7 %29.0 %8.2 %0.0 %
48
100.0 %97.5 %95.0 %92.5 %90.0 %74.4 %59.5 %45.4 %28.8 %8.1 %0.0 %
49
100.0 %97.4 %94.9 %92.3 %89.8 %74.1 %59.3 %45.2 %28.7 %8.1 %0.0 %



50
100.0 %97.3 %94.7 %92.1 %89.5 %73.8 %59.0 %44.9 %28.5 %8.0 %0.0 %
51
100.0 %97.3 %94.6 %91.9 %89.2 %73.6 %58.7 %44.7 %28.3 %8.0 %0.0 %
52
100.0 %97.2 %94.4 %91.7 %88.9 %73.3 %58.4 %44.4 %28.1 %7.9 %0.0 %
53
100.0 %97.1 %94.3 %91.4 %88.6 %72.9 %58.1 %44.1 %27.9 %7.8 %0.0 %
54
100.0 %97.0 %94.1 %91.2 %88.3 %72.6 %57.8 %43.8 %27.7 %7.8 %0.0 %
55
100.0 %97.0 %94.0 %91.0 %88.0 %72.3 %57.5 %43.6 %27.5 %7.7 %0.0 %
56
100.0 %96.9 %93.8 %90.7 %87.7 %72.0 %57.2 %43.3 %27.3 %7.6 %0.0 %
57
100.0 %96.8 %93.6 %90.5 %87.3 %71.6 %56.8 %43.0 %27.1 %7.6 %0.0 %
58
100.0 %96.7 %93.4 %90.2 %87.0 %71.3 %56.5 %42.7 %26.8 %7.5 %0.0 %
59
100.0 %96.6 %93.2 %89.9 %86.7 %70.9 %56.2 %42.4 %26.6 %7.4 %0.0 %
60
100.0 %96.5 %93.1 %89.7 %86.3 %70.6 %55.8 %42.1 %26.4 %7.4 %0.0 %
61
100.0 %96.4 %92.9 %89.4 %86.0 %70.2 %55.5 %41.8 %26.1 %7.3 %0.0 %
62
100.0 %96.3 %92.7 %89.1 %85.6 %69.8 %55.1 %41.4 %25.9 %7.2 %0.0 %
63
100.0 %96.2 %92.5 %88.8 %85.2 %69.4 %54.7 %41.0 %25.6 %7.1 %0.0 %
64
100.0 %96.1 %92.3 %88.5 %84.8 %69.0 %54.3 %40.7 %25.4 %7.0 %0.0 %
65
100.0 %96.0 %92.1 %88.2 %84.4 %68.5 %53.8 %40.3 %25.1 %7.0 %0.0 %
66
100.0 %95.9 %91.8 %87.8 %83.9 %68.1 %53.4 %39.9 %24.8 %6.9 %0.0 %
67
100.0 %95.7 %91.6 %87.5 %83.4 %67.6 %53.0 %39.5 %24.5 %6.8 %0.0 %
68
100.0 %95.6 %91.3 %87.1 %83.0 %67.1 %52.5 %39.1 %24.3 %6.7 %0.0 %
69
100.0 %95.5 %91.1 %86.7 %82.5 %66.6 %52.1 %38.8 %24.0 %6.6 %0.0 %
70
100.0 %95.3 %90.8 %86.4 %82.1 %66.2 %51.6 %38.4 %23.7 %6.5 %0.0 %
71
100.0 %95.2 %90.6 %86.0 %81.6 %65.7 %51.2 %38.0 %23.4 %6.4 %0.0 %
72
100.0 %95.1 %90.3 %85.7 %81.2 %65.3 %50.7 %37.5 %23.1 %6.3 %0.0 %
73
100.0 %94.9 %90.1 %85.3 %80.7 %64.7 %50.2 %37.1 %22.8 %6.2 %0.0 %
74
100.0 %94.8 %89.8 %84.9 %80.1 %64.2 %49.7 %36.6 %22.5 %6.1 %0.0 %
75
100.0 %94.7 %89.5 %84.5 %79.6 %63.6 %49.2 %36.2 %22.1 %6.0 %0.0 %
76
100.0 %94.5 %89.2 %84.0 %79.0 %63.0 %48.6 %35.7 %21.8 %5.9 %0.0 %
77
100.0 %94.3 %88.9 %83.5 %78.4 %62.4 %48.1 %35.3 %21.5 %5.9 %0.0 %
78
100.0 %94.1 %88.5 %83.0 %77.7 %61.8 %47.6 %34.9 %21.3 %5.8 %0.0 %
79
100.0 %94.0 %88.2 %82.6 %77.2 %61.3 %47.1 %34.6 %21.1 %5.8 %0.0 %
80
100.0 %93.8 %87.8 %82.1 %76.7 %60.9 %46.8 %34.3 %21.0 %5.7 %0.0 %
81
100.0 %93.6 %87.5 %81.7 %76.3 %60.6 %46.6 %34.2 %21.0 %5.7 %0.0 %
82
100.0 %93.5 %87.3 %81.5 %76.0 %60.4 %46.5 %34.2 %21.1 %5.8 %0.0 %
83
100.0 %93.3 %87.1 %81.3 %75.9 %60.4 %46.6 %34.4 %21.2 %5.8 %0.0 %
84
100.0 %93.3 %87.1 %81.3 %76.0 %60.6 %46.9 %34.7 %21.4 %5.9 %0.0 %
85
100.0 %93.3 %87.1 %81.5 %76.3 %61.0 %47.3 %35.1 %21.7 %6.0 %0.0 %



APPENDIX C

In Appendix C, delete the current heading and replace with the following:

APPENDIX C – TARGET PREMIUM RATES - For Policy Dates before December 15, 2021

In Appendix C, add the following tables to the end of the section:

APPENDIX C – TARGET PREMIUM RATES - For Policy Dates on or after December 15, 2021
(in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)

TARGET PREMIUM RATES (per $1,000 of Face Amount)
Issue Age
Male
Female
Unisex
Issue Age
Male
Female
Unisex
0
3.85
3.85
3.85
43
17.93
16.26
17.60
1
3.85
3.85
3.85
44
18.69
16.99
18.35
2
3.85
3.85
3.85
45
19.45
17.72
19.10
3
3.85
3.85
3.85
46
20.31
18.52
19.96
4
3.85
3.85
3.85
47
21.18
19.32
20.81
5
3.85
3.85
3.85
48
22.04
20.13
21.66
6
3.85
3.85
3.85
49
22.91
20.93
22.51
7
3.85
3.85
3.85
50
23.77
21.73
23.36
8
3.85
3.85
3.85
51
24.63
22.53
24.21
9
3.85
3.85
3.85
52
25.50
23.33
25.07
10
3.85
3.85
3.85
53
26.36
24.14
25.92
11
4.16
4.15
4.15
54
27.23
24.94
26.77
12
4.46
4.45
4.46
55
28.09
25.74
27.62
13
4.77
4.75
4.76
56
29.09
26.34
28.54
14
5.07
5.05
5.07
57
30.08
26.95
29.46
15
5.38
5.36
5.37
58
31.08
27.55
30.37
16
5.68
5.66
5.68
59
32.08
28.15
31.29
17
5.99
5.96
5.98
60
33.08
28.76
32.21
18
6.29
6.26
6.28
61
34.07
29.36
33.13
19
6.60
6.56
6.59
62
35.07
29.96
34.05
20
6.90
6.86
6.89
63
36.07
30.56
34.97
21
6.93
6.89
6.92
64
37.06
31.17
35.88
22
6.96
6.93
6.95
65
38.06
31.77
36.80
23
6.99
6.96
6.98
66
38.53
32.39
37.30
24
7.02
7.00
7.02
67
39.00
33.00
37.80
25
7.05
7.03
7.05
68
39.48
33.62
38.30
26
7.53
7.37
7.50
69
39.95
34.23
38.80
27
8.01
7.71
7.95
70
40.42
34.85
39.31
28
8.50
8.05
8.41
71
40.89
35.46
39.81
29
8.98
8.39
8.86
72
41.36
36.08
40.31
30
9.46
8.73
9.31
73
41.84
36.69
40.81
31
9.94
9.07
9.77
74
42.31
37.31
41.31
32
10.42
9.41
10.22
75
42.78
37.92
41.81
33
10.91
9.75
10.67
76
44.21
39.19
43.20
34
11.39
10.09
11.13
77
45.63
40.45
44.60
35
11.87
10.43
11.58
78
47.06
41.72
45.99
36
12.63
11.16
12.33
79
48.48
42.98
47.38
37
13.39
11.89
13.09
80
49.91
44.25
48.78



38
14.14
12.62
13.84
81
51.34
45.52
50.17
39
14.90
13.35
14.59
82
52.76
46.79
51.57
40
15.66
14.08
15.34
83
54.19
48.05
52.96
41
16.42
14.80
16.10
84
55.61
49.32
54.36
42
17.18
15.53
16.85
85
57.04
50.59
55.75




APPENDIX D

In Appendix D, after the first table add the following heading:

APPENDIX D – CASH VALUE ACCUMULATION TEST - For Policy Dates before December 15, 2021

In Appendix D, add the following tables to the end of the section:

APPENDIX D – CASH VALUE ACCUMULATION TEST - For Policy Dates on or after December 15, 2021
(in states where approved; otherwise we apply the rate(s) in effect before December 15, 2021 regardless of Policy Date)

Guideline Premium/Cash Value Corridor Test
Insured’s
Attained Age
Percentage of
Policy Value
Insured’s
Attained Age
Percentage of
Policy Value
Insured’s
Attained Age
Percentage of
Policy Value
0-40
250.00
53
164.00
66
119.00
41
243.00
54
157.00
67
118.00
42
236.00
55
150.00
68
117.00
43
229.00
56
146.00
69
116.00
44
222.00
57
142.00
70
115.00
45
215.00
58
138.00
71
113.00
46
209.00
59
134.00
72
111.00
47
203.00
60
130.00
73
109.00
48
197.00
61
128.00
74
107.00
49
191.00
62
126.00
75-90
105.00
50
185.00
63
124.00
91
104.00
51
178.00
64
122.00
92
103.00
52
171.00
65
120.00
93
102.00
94+
101.00




Cash Value Accumulation Test (percentage of Surrender Value) – Male
Table:Standard150%175%200%225%250%275%300%325%350%375%400%425%450%475%500%
Age:2345678910111213141516
0461.136%420.898%406.082%393.469%382.515%372.855%364.231%356.456%349.389%342.919%336.963%331.450%326.324%321.540%317.059%312.847%
1452.546%413.195%398.711%386.381%375.675%366.234%357.808%350.211%343.307%336.987%331.169%325.784%320.778%316.106%311.730%307.618%
2443.920%405.394%391.216%379.148%368.670%359.431%351.185%343.752%336.996%330.813%325.120%319.852%314.955%310.384%306.103%302.081%
3435.422%397.697%383.815%372.001%361.743%352.699%344.628%337.352%330.740%324.689%319.117%313.962%309.169%304.697%300.507%296.571%
4427.054%390.105%376.511%364.942%354.898%346.043%338.140%331.017%324.543%318.619%313.165%308.118%303.426%299.048%294.947%291.095%
5418.830%382.637%369.322%357.992%348.155%339.484%331.745%324.770%318.431%312.631%307.291%302.349%297.756%293.469%289.455%285.683%
6410.746%375.291%362.249%351.151%341.517%333.024%325.445%318.614%312.406%306.726%301.496%296.658%292.160%287.962%284.031%280.338%
7402.816%368.083%355.307%344.436%335.000%326.682%319.259%312.569%306.489%300.926%295.805%291.066%286.662%282.551%278.702%275.085%
8395.036%361.009%348.494%337.846%328.603%320.455%313.185%306.633%300.679%295.230%290.215%285.574%281.261%277.236%273.466%269.924%
9387.392%354.053%341.793%331.361%322.307%314.326%307.204%300.786%294.954%289.617%284.705%280.159%275.934%271.992%268.300%264.831%
10379.893%347.228%335.217%324.997%316.127%308.309%301.333%295.046%289.333%284.105%279.294%274.841%270.703%266.842%263.225%259.828%
11372.536%340.532%328.764%318.752%310.063%302.403%295.569%289.411%283.814%278.694%273.981%269.620%265.566%261.784%258.242%254.914%
12365.330%333.974%322.445%312.637%304.125%296.622%289.928%283.895%278.413%273.398%268.781%264.510%260.540%256.835%253.365%250.106%
13358.279%327.561%316.268%306.661%298.323%290.975%284.418%278.510%273.141%268.229%263.708%259.525%255.637%252.009%248.611%245.420%
14351.397%321.312%310.252%300.844%292.680%285.484%279.065%273.280%268.023%263.214%258.788%254.692%250.886%247.334%244.008%240.883%
15344.704%315.249%304.422%295.214%287.223%280.181%273.898%268.237%263.094%258.388%254.056%250.049%246.324%242.849%239.595%236.537%
16338.231%309.412%298.822%289.816%282.001%275.115%268.972%263.436%258.407%253.806%249.572%245.654%242.013%238.616%235.435%232.446%
17331.989%303.816%293.466%284.666%277.031%270.304%264.303%258.896%253.985%249.491%245.356%241.531%237.975%234.658%231.552%228.634%
18325.994%298.480%288.377%279.788%272.337%265.774%259.919%254.646%249.855%245.473%241.441%237.710%234.244%231.009%227.981%225.136%
19320.195%293.342%283.487%275.111%267.848%261.449%255.744%250.604%245.937%241.667%237.739%234.105%230.728%227.578%224.629%221.858%
20314.504%288.300%278.688%270.521%263.439%257.203%251.643%246.636%242.088%237.929%234.103%230.564%227.275%224.208%221.336%218.638%
21308.925%283.357%273.984%266.022%259.120%253.043%247.626%242.747%238.318%234.268%230.541%227.095%223.894%220.907%218.112%215.486%
22303.450%278.504%269.364%261.602%254.876%248.955%243.677%238.926%234.612%230.668%227.040%223.685%220.569%217.662%214.941%212.385%
23298.074%273.737%264.825%257.260%250.705%244.936%239.796%235.169%230.969%227.129%223.597%220.331%217.298%214.469%211.821%209.335%
24292.795%269.054%260.365%252.992%246.605%240.986%235.980%231.474%227.384%223.646%220.209%217.031%214.079%211.326%208.750%206.331%
25287.612%264.452%255.983%248.797%242.574%237.101%232.226%227.839%223.858%220.219%216.874%213.781%210.910%208.232%205.726%203.373%
26282.521%259.931%251.674%244.672%238.610%233.279%228.532%224.261%220.386%216.846%213.590%210.581%207.788%205.183%202.746%200.458%
27277.506%255.468%247.419%240.595%234.689%229.496%224.873%220.715%216.943%213.497%210.329%207.402%204.684%202.150%199.779%197.554%
28272.556%251.053%243.204%236.552%230.797%225.738%221.235%217.185%213.513%210.158%207.074%204.225%201.580%199.115%196.808%194.644%
29267.671%246.687%239.032%232.546%226.936%222.006%217.619%213.674%210.097%206.830%203.828%201.054%198.480%196.080%193.836%191.729%
30262.857%242.375%234.908%228.583%223.113%218.308%214.033%210.190%206.706%203.524%200.600%197.900%195.393%193.057%190.873%188.823%
31258.117%238.123%230.838%224.669%219.337%214.653%210.486%206.741%203.347%200.247%197.400%194.770%192.329%190.055%187.928%185.933%
32253.467%233.951%226.844%220.828%215.629%211.063%207.003%203.354%200.047%197.028%194.255%191.694%189.318%187.104%185.034%183.092%
33248.914%229.868%222.936%217.071%212.003%207.554%203.598%200.044%196.823%193.884%191.184%188.691%186.379%184.224%182.210%180.320%
34244.460%225.876%219.117%213.400%208.461%204.127%200.274%196.813%193.678%190.816%188.189%185.763%183.513%181.417%179.457%177.619%
35240.104%221.975%215.386%209.815%205.004%200.783%197.031%193.662%190.611%187.827%185.270%182.911%180.722%178.684%176.779%174.992%
36235.842%218.161%211.740%206.312%201.626%197.517%193.865%190.587%187.618%184.910%182.424%180.129%178.002%176.020%174.169%172.432%
37231.682%214.444%208.189%202.903%198.342%194.343%190.791%187.602%184.715%182.082%179.666%177.437%175.369%173.445%171.646%169.959%
38227.617%210.816%204.724%199.579%195.141%191.251%187.797%184.697%181.892%179.333%176.986%174.820%172.813%170.944%169.198%167.561%
39223.649%207.279%201.349%196.343%192.027%188.245%184.887%181.876%179.151%176.666%174.387%172.286%170.337%168.524%166.831%165.243%
40219.771%203.828%198.058%193.189%188.993%185.318%182.056%179.132%176.486%174.076%171.864%169.825%167.936%166.178%164.536%162.997%



41215.987%200.464%194.852%190.119%186.042%182.473%179.307%176.469%173.902%171.564%169.420%167.444%165.613%163.910%162.319%160.829%
42212.287%197.180%191.723%187.124%183.165%179.700%176.628%173.876%171.387%169.121%167.044%165.130%163.357%161.708%160.168%158.726%
43208.664%193.964%188.660%184.193%180.350%176.988%174.009%171.341%168.929%166.734%164.722%162.869%161.153%159.558%158.069%156.674%
44205.098%190.795%185.641%181.302%177.571%174.310%171.421%168.834%166.497%164.371%162.423%160.629%158.969%157.426%155.986%154.638%
45201.591%187.675%182.666%178.452%174.830%171.666%168.865%166.358%164.094%162.035%160.149%158.413%156.807%155.315%153.922%152.619%
46198.141%184.601%179.733%175.641%172.126%169.056%166.340%163.910%161.717%159.723%157.898%156.219%154.665%153.222%151.876%150.617%
47194.746%181.572%176.841%172.867%169.456%166.478%163.845%161.490%159.366%157.436%155.669%154.044%152.542%151.147%149.846%148.629%
48191.403%178.585%173.987%170.128%166.817%163.928%161.375%159.093%157.036%155.167%153.457%151.885%150.432%149.083%147.826%146.651%
49188.113%175.640%171.172%167.423%164.210%161.408%158.932%156.721%154.728%152.918%151.264%149.743%148.338%147.034%145.820%144.684%
50184.874%172.737%168.394%164.753%161.633%158.915%156.515%154.372%152.442%150.690%149.088%147.617%146.258%144.998%143.824%142.727%
51181.692%169.882%165.662%162.126%159.098%156.462%154.135%152.058%150.188%148.492%146.942%145.519%144.205%142.987%141.853%140.793%
52178.572%167.082%162.981%159.547%156.609%154.052%151.797%149.785%147.975%146.333%144.834%143.457%142.187%141.010%139.915%138.892%
53175.514%164.338%160.353%157.020%154.170%151.691%149.505%147.557%145.804%144.215%142.766%141.435%140.208%139.071%138.013%137.026%
54172.520%161.650%157.781%154.546%151.781%149.378%147.261%145.375%143.679%142.142%140.741%139.455%138.269%137.171%136.151%135.198%
55169.589%159.021%155.264%152.125%149.445%147.116%145.066%143.240%141.600%140.114%138.760%137.518%136.373%135.314%134.329%133.410%
56166.725%156.452%152.805%149.761%147.164%144.909%142.924%141.158%139.572%138.136%136.828%135.629%134.525%133.503%132.553%131.668%
57163.926%153.945%150.407%147.455%144.939%142.756%140.836%139.129%137.596%136.209%134.947%133.790%132.725%131.740%130.825%129.972%
58161.194%151.500%148.069%145.209%142.773%140.660%138.804%137.154%135.674%134.336%133.117%132.002%130.976%130.027%129.146%128.325%
59158.529%149.118%145.792%143.022%140.665%138.622%136.828%135.235%133.807%132.516%131.341%130.267%129.278%128.365%127.517%126.728%
60155.934%146.802%143.579%140.899%138.619%136.645%134.913%133.376%131.998%130.754%129.623%128.588%127.637%126.759%125.944%125.186%
61153.408%144.552%141.432%138.840%136.636%134.731%133.060%131.577%130.250%129.052%127.963%126.968%126.054%125.210%124.428%123.700%
62150.954%142.371%139.353%136.848%134.720%132.882%131.271%129.843%128.566%127.413%126.367%125.411%124.533%123.723%122.972%122.275%
63148.571%140.259%137.341%134.922%132.870%131.099%129.547%128.173%126.945%125.838%124.833%123.915%123.073%122.297%121.578%120.910%
64146.260%138.216%135.398%133.065%131.087%129.382%127.889%126.569%125.389%124.326%123.362%122.483%121.676%120.933%120.245%119.606%
65144.019%136.241%133.522%131.273%129.370%127.729%126.296%125.028%123.896%122.878%121.954%121.113%120.341%119.631%118.973%118.363%
66141.845%134.330%131.709%129.544%127.713%126.137%124.761%123.546%122.462%121.486%120.603%119.799%119.062%118.383%117.757%117.175%
67139.734%132.479%129.955%127.872%126.114%124.601%123.282%122.118%121.080%120.148%119.304%118.536%117.833%117.187%116.589%116.036%
68137.684%130.684%128.255%126.253%124.565%123.116%121.852%120.739%119.747%118.856%118.051%117.319%116.649%116.034%115.465%114.939%
69135.690%128.943%126.607%124.685%123.066%121.678%120.469%119.405%118.458%117.608%116.841%116.143%115.506%114.920%114.381%113.881%
70133.755%127.254%125.010%123.166%121.616%120.287%119.132%118.116%117.212%116.403%115.672%115.009%114.403%113.847%113.334%112.860%
71131.879%125.622%123.468%121.701%120.217%118.947%117.844%116.875%116.014%115.244%114.549%113.919%113.344%112.816%112.330%111.881%
72130.067%124.051%121.985%120.294%118.875%117.663%116.612%115.688%114.870%114.138%113.478%112.879%112.334%111.834%111.374%110.949%
73128.322%122.543%120.565%118.948%117.594%116.439%115.438%114.560%113.783%113.088%112.462%111.895%111.379%110.906%110.471%110.070%
74126.647%121.103%119.211%117.668%116.378%115.278%114.327%113.494%112.756%112.098%111.506%110.970%110.482%110.035%109.625%109.247%
75125.040%119.729%117.923%116.452%115.225%114.180%113.278%112.489%111.791%111.168%110.609%110.103%109.643%109.222%108.836%108.480%
76123.500%118.419%116.697%115.298%114.132%113.142%112.288%111.541%110.882%110.295%109.768%109.292%108.859%108.463%108.100%107.766%
77122.021%117.167%115.528%114.199%113.094%112.157%111.350%110.646%110.025%109.472%108.976%108.529%108.122%107.752%107.412%107.098%
78120.599%115.968%114.410%113.150%112.104%111.219%110.458%109.795%109.211%108.692%108.227%107.808%107.427%107.080%106.763%106.470%
79119.230%114.817%113.338%112.145%111.157%110.323%109.607%108.984%108.436%107.949%107.514%107.122%106.767%106.443%106.147%105.874%
80117.914%113.713%112.311%111.183%110.251%109.466%108.794%108.209%107.696%107.242%106.835%106.470%106.139%105.837%105.562%105.309%
81116.650%112.656%111.329%110.264%109.387%108.649%108.018%107.472%106.993%106.569%106.190%105.850%105.542%105.263%105.007%104.772%
82115.441%111.649%110.394%109.390%108.565%107.873%107.283%106.772%106.326%105.931%105.579%105.264%104.979%104.720%104.483%104.267%
83114.283%110.686%109.500%108.554%107.779%107.130%106.579%106.103%105.687%105.320%104.994%104.702%104.438%104.199%103.981%103.781%
84113.187%109.779%108.659%107.769%107.042%106.435%105.920%105.477%105.090%104.750%104.448%104.178%103.934%103.713%103.513%103.329%



85112.156%108.930%107.874%107.036%106.354%105.787%105.307%104.894%104.535%104.220%103.941%103.691%103.467%103.264%103.079%102.910%
86111.191%108.142%107.146%106.359%105.719%105.189%104.741%104.357%104.024%103.732%103.474%103.244%103.037%102.850%102.681%102.526%
87110.296%107.419%106.480%105.739%105.139%104.643%104.225%103.868%103.559%103.289%103.050%102.837%102.647%102.475%102.319%102.177%
88109.472%106.762%105.877%105.179%104.616%104.152%103.761%103.429%103.142%102.891%102.670%102.473%102.297%102.139%101.996%101.865%
89108.721%106.174%105.339%104.683%104.153%103.717%103.352%103.042%102.774%102.541%102.336%102.154%101.992%101.845%101.713%101.593%
90108.036%105.651%104.865%104.245%103.747%103.337%102.995%102.704%102.454%102.237%102.046%101.877%101.726%101.590%101.468%101.357%
91107.410%105.189%104.449%103.866%103.395%103.009%102.687%102.414%102.179%101.976%101.797%101.639%101.499%101.373%101.259%101.157%
92106.829%104.781%104.087%103.537%103.093%102.728%102.424%102.166%101.945%101.754%101.586%101.438%101.307%101.189%101.085%101.000%
93106.277%104.413%103.768%103.251%102.832%102.487%102.199%101.955%101.746%101.565%101.407%101.268%101.144%101.034%101.000%101.000%
94105.732%104.074%103.481%103.001%102.608%102.283%102.010%101.779%101.581%101.410%101.260%101.127%101.010%101.000%101.000%101.000%
95105.160%103.736%103.207%102.769%102.405%102.101%101.845%101.628%101.442%101.281%101.139%101.016%101.000%101.000%101.000%101.000%
96104.514%103.356%102.901%102.515%102.186%101.906%101.668%101.464%101.289%101.137%101.005%101.000%101.000%101.000%101.000%101.000%
97103.769%102.919%102.561%102.243%101.962%101.715%101.498%101.309%101.144%101.002%101.000%101.000%101.000%101.000%101.000%101.000%
98102.858%102.352%102.120%101.902%101.696%101.504%101.326%101.159%101.007%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
99101.667%101.502%101.419%101.337%101.254%101.172%101.090%101.008%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
100101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
101101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
102101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
103101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
104101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
105101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
106101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
107101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
108101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
109101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
110101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
111101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
112101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
113101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
114101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
115101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
116101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
117101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
118101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
119101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
120101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%





Cash Value Accumulation Test (percentage of Surrender Value) – Female
Table:Standard150%175%200%225%250%275%300%325%350%375%400%425%450%475%500%
Age:2345678910111213141516
0496.024%457.137%442.791%430.581%419.977%410.622%402.265%394.724%387.859%381.567%375.763%370.382%365.370%360.682%356.282%352.138%
1486.870%448.886%434.882%422.967%412.622%403.499%395.352%388.000%381.311%375.181%369.528%364.287%359.407%354.843%350.561%346.528%
2477.633%440.471%426.775%415.123%405.010%396.092%388.129%380.945%374.409%368.420%362.898%357.779%353.013%348.556%344.375%340.438%
3468.460%432.074%418.667%407.262%397.364%388.638%380.846%373.818%367.423%361.565%356.163%351.157%346.495%342.137%338.048%334.199%
4459.409%423.769%410.639%399.471%389.779%381.234%373.606%366.726%360.466%354.731%349.444%344.545%339.982%335.717%331.716%327.949%
5450.528%415.619%402.760%391.823%382.333%373.967%366.498%359.762%353.635%348.021%342.846%338.050%333.585%329.410%325.494%321.808%
6441.817%407.622%395.028%384.317%375.024%366.833%359.520%352.925%346.926%341.431%336.365%331.671%327.300%323.215%319.382%315.774%
7433.285%399.793%387.460%376.972%367.873%359.853%352.694%346.238%340.366%334.987%330.029%325.435%321.158%317.160%313.409%309.879%
8424.915%392.111%380.032%369.762%360.853%353.001%345.992%339.672%333.924%328.659%323.806%319.309%315.123%311.211%307.541%304.086%
9416.691%384.556%372.725%362.667%353.941%346.252%339.389%333.201%327.573%322.418%317.667%313.265%309.168%305.338%301.745%298.364%
10408.623%377.142%365.554%355.703%347.158%339.628%332.907%326.848%321.338%316.290%311.639%307.329%303.318%299.569%296.052%292.742%
11400.720%369.884%358.535%348.887%340.519%333.145%326.565%320.633%315.238%310.297%305.744%301.525%297.599%293.929%290.487%287.248%
12392.968%362.762%351.646%342.197%334.003%326.782%320.339%314.531%309.249%304.412%299.954%295.825%291.981%288.389%285.020%281.850%
13385.363%355.773%344.886%335.632%327.607%320.536%314.227%308.540%303.368%298.632%294.268%290.226%286.463%282.947%279.649%276.546%
14377.892%348.903%338.237%329.173%321.313%314.388%308.209%302.639%297.575%292.937%288.664%284.706%281.022%277.579%274.350%271.312%
15370.594%342.200%331.755%322.879%315.183%308.402%302.353%296.901%291.943%287.404%283.221%279.347%275.741%272.372%269.213%266.240%
16363.512%335.719%325.498%316.813%309.283%302.651%296.734%291.401%286.554%282.115%278.026%274.238%270.713%267.420%264.332%261.426%
17356.635%329.447%319.451%310.960%303.599%297.117%291.335%286.125%281.389%277.053%273.059%269.360%265.919%262.703%259.688%256.852%
18349.925%323.338%313.567%305.269%298.077%291.745%286.098%281.010%276.386%272.153%268.254%264.644%261.286%258.148%255.207%252.440%
19343.343%317.344%307.793%299.684%292.657%286.471%280.956%275.987%271.472%267.340%263.535%260.012%256.735%253.674%250.804%248.105%
20336.878%311.452%302.116%294.190%287.324%281.281%275.893%271.041%266.633%262.599%258.884%255.445%252.247%249.260%246.460%243.827%
21330.527%305.661%296.533%288.786%282.077%276.172%270.910%266.171%261.866%257.927%254.300%250.944%247.822%244.907%242.175%239.606%
22324.290%299.968%291.044%283.472%276.915%271.146%266.004%261.375%257.171%253.325%249.784%246.507%243.460%240.615%237.949%235.442%
23318.163%294.374%285.648%278.246%271.837%266.199%261.176%256.654%252.548%248.791%245.334%242.135%239.160%236.383%233.781%231.334%
24312.160%288.892%280.361%273.126%266.863%261.354%256.447%252.030%248.020%244.352%240.976%237.853%234.950%232.239%229.700%227.313%
25306.289%283.537%275.198%268.127%262.008%256.627%251.835%247.522%243.607%240.026%236.732%233.684%230.851%228.207%225.730%223.402%
26300.534%278.287%270.136%263.227%257.249%251.994%247.314%243.103%239.281%235.786%232.571%229.597%226.834%224.254%221.838%219.568%
27294.880%273.125%265.159%258.406%252.566%247.432%242.862%238.750%235.018%231.607%228.469%225.567%222.871%220.354%217.998%215.783%
28289.326%268.051%260.263%253.664%247.957%242.942%238.478%234.462%230.819%227.489%224.426%221.594%218.962%216.507%214.207%212.047%
29283.875%263.069%255.456%249.007%243.430%238.531%234.170%230.249%226.691%223.440%220.450%217.686%215.118%212.722%210.479%208.371%
30278.531%258.185%250.743%244.440%238.991%234.205%229.946%226.117%222.643%219.469%216.551%213.853%211.347%209.010%206.821%204.766%
31273.300%253.406%246.133%239.974%234.652%229.977%225.819%222.080%218.689%215.592%212.744%210.112%207.667%205.387%203.253%201.248%
32268.175%248.725%241.617%235.600%230.401%225.836%221.776%218.126%214.817%211.794%209.016%206.448%204.063%201.840%199.759%197.804%
33263.152%244.138%237.192%231.314%226.236%221.779%217.815%214.252%211.023%208.074%205.363%202.858%200.533%198.365%196.336%194.430%
34258.237%239.651%232.866%227.124%222.166%217.815%213.946%210.470%207.319%204.442%201.799%199.356%197.089%194.976%192.998%191.141%
35253.430%235.268%228.640%223.034%218.194%213.947%210.172%206.781%203.708%200.903%198.326%195.945%193.735%191.676%189.749%187.940%
36248.731%230.987%224.515%219.042%214.319%210.176%206.494%203.187%200.191%197.457%194.946%192.626%190.474%188.468%186.591%184.830%
37244.144%226.813%220.495%215.155%210.548%206.507%202.918%199.695%196.776%194.112%191.666%189.408%187.312%185.359%183.533%181.820%
38239.666%222.745%216.580%211.372%206.880%202.942%199.444%196.305%193.462%190.869%188.488%186.290%184.251%182.351%180.575%178.909%
39235.290%218.773%212.761%207.683%203.304%199.467%196.061%193.004%190.237%187.713%185.396%183.258%181.276%179.429%177.703%176.084%
40231.009%214.890%209.027%204.077%199.811%196.074%192.757%189.781%187.089%184.634%182.381%180.302%178.375%176.581%174.904%173.331%



41226.812%211.084%205.367%200.543%196.387%192.748%189.519%186.623%184.004%181.616%179.426%177.405%175.532%173.789%172.160%170.633%
42222.699%207.353%201.780%197.078%193.030%189.486%186.343%183.526%180.978%178.656%176.527%174.564%172.744%171.051%169.469%167.986%
43218.659%203.687%198.253%193.672%189.729%186.278%183.219%180.478%178.000%175.742%173.673%171.765%169.997%168.352%166.816%165.377%
44214.692%200.085%194.787%190.323%186.482%183.122%180.145%177.478%175.067%172.872%170.860%169.006%167.289%165.691%164.200%162.803%
45210.799%196.547%191.382%187.032%183.291%180.020%177.122%174.528%172.183%170.049%168.093%166.291%164.623%163.072%161.623%160.267%
46206.976%193.072%188.037%183.798%180.154%176.970%174.149%171.625%169.345%167.270%165.369%163.618%161.997%160.491%159.084%157.768%
47203.236%189.674%184.767%180.637%177.089%173.989%171.245%168.790%166.573%164.556%162.709%161.008%159.434%157.972%156.607%155.330%
48199.575%186.348%181.567%177.545%174.090%171.074%168.405%166.018%163.863%161.903%160.109%158.458%156.930%155.511%154.187%152.948%
49195.993%183.097%178.439%174.523%171.161%168.227%165.632%163.311%161.217%159.314%157.572%155.969%154.487%153.110%151.826%150.625%
50192.489%179.918%175.382%171.570%168.299%165.446%162.923%160.668%158.635%156.787%155.096%153.541%152.103%150.768%149.524%148.360%
51189.062%176.810%172.393%168.684%165.503%162.729%160.277%158.087%156.113%154.319%152.679%151.171%149.777%148.483%147.277%146.150%
52185.710%173.773%169.474%165.865%162.772%160.077%157.695%155.569%153.653%151.913%150.322%148.860%147.510%146.256%145.089%143.997%
53182.434%170.807%166.623%163.114%160.108%157.489%155.177%153.114%151.255%149.568%148.026%146.609%145.301%144.087%142.957%141.901%
54179.232%167.911%163.841%160.430%157.509%154.966%152.722%150.721%148.918%147.283%145.790%144.418%143.151%141.977%140.883%139.862%
55176.104%165.083%161.126%157.811%154.974%152.506%150.330%148.389%146.642%145.058%143.612%142.284%141.058%139.923%138.866%137.879%
56173.048%162.324%158.478%155.258%152.504%150.110%148.000%146.119%144.427%142.893%141.494%140.209%139.024%137.926%136.905%135.952%
57170.065%159.634%155.897%152.771%150.099%147.777%145.732%143.910%142.272%140.788%139.435%138.193%137.048%135.988%135.002%134.081%
58167.154%157.011%153.382%150.348%147.757%145.507%143.527%141.763%140.178%138.743%137.435%136.235%135.129%134.106%133.154%132.267%
59164.314%154.456%150.933%147.991%145.480%143.300%141.383%139.677%138.145%136.758%135.494%134.336%133.269%132.281%131.364%130.509%
60161.546%151.969%148.552%145.699%143.267%141.157%139.302%137.653%136.173%134.833%133.614%132.496%131.467%130.516%129.632%128.808%
61158.850%149.552%146.238%143.475%141.120%139.080%137.287%135.693%134.264%132.972%131.796%130.719%129.727%128.811%127.960%127.168%
62156.227%147.204%143.993%141.318%139.040%137.068%135.336%133.798%132.420%131.174%130.040%129.003%128.049%127.168%126.350%125.588%
63153.675%144.925%141.816%139.228%137.027%135.122%133.450%131.967%130.638%129.439%128.348%127.350%126.432%125.585%124.799%124.068%
64151.196%142.715%139.707%137.205%135.080%133.242%131.630%130.201%128.922%127.767%126.718%125.759%124.878%124.064%123.311%122.609%
65148.788%140.575%137.667%135.251%133.200%131.428%129.876%128.500%127.270%126.160%125.152%124.232%123.386%122.606%121.884%121.212%
66146.451%138.504%135.695%133.363%131.386%129.680%128.186%126.864%125.682%124.616%123.650%122.767%121.957%121.210%120.518%119.875%
67144.185%136.501%133.789%131.542%129.638%127.997%126.561%125.291%124.157%123.136%122.209%121.364%120.589%119.874%119.213%118.599%
68141.988%134.565%131.950%129.786%127.955%126.377%124.999%123.781%122.694%121.716%120.830%120.021%119.280%118.598%117.967%117.381%
69139.859%132.694%130.176%128.094%126.334%124.821%123.499%122.333%121.292%120.357%119.510%118.738%118.031%117.380%116.778%116.220%
70137.797%130.888%128.465%126.464%124.775%123.324%122.059%120.943%119.949%119.055%118.247%117.511%116.837%116.218%115.645%115.114%
71135.799%129.143%126.815%124.894%123.276%121.886%120.677%119.610%118.661%117.810%117.040%116.339%115.698%115.109%114.565%114.061%
72133.864%127.459%125.222%123.381%121.832%120.503%119.348%118.331%117.427%116.616%115.883%115.217%114.609%114.050%113.534%113.056%
73131.990%125.831%123.686%121.923%120.441%119.173%118.071%117.103%116.242%115.471%114.776%114.144%113.567%113.037%112.549%112.097%
74130.175%124.259%122.204%120.518%119.102%117.893%116.844%115.922%115.105%114.373%113.713%113.115%112.569%112.068%111.607%111.180%
75128.417%122.741%120.775%119.164%117.814%116.662%115.664%114.789%114.013%113.320%112.696%112.130%111.614%111.141%110.706%110.304%
76126.718%121.278%119.398%117.861%116.575%115.480%114.533%113.703%112.968%112.313%111.723%111.188%110.702%110.256%109.847%109.468%
77125.077%119.869%118.075%116.610%115.387%114.347%113.448%112.663%111.968%111.349%110.793%110.289%109.831%109.413%109.028%108.673%
78123.496%118.516%116.805%115.411%114.249%113.263%112.413%111.670%111.015%110.431%109.908%109.434%109.004%108.611%108.250%107.918%
79121.972%117.218%115.588%114.263%113.161%112.227%111.424%110.723%110.106%109.557%109.065%108.621%108.217%107.849%107.512%107.201%
80120.507%115.973%114.423%113.165%112.122%111.239%110.481%109.821%109.240%108.725%108.263%107.847%107.470%107.126%106.811%106.521%
81119.100%114.782%113.309%112.117%111.129%110.296%109.582%108.961%108.416%107.932%107.500%107.111%106.759%106.438%106.145%105.875%
82117.756%113.651%112.254%111.125%110.193%109.407%108.735%108.152%107.641%107.188%106.785%106.422%106.093%105.795%105.522%105.271%
83116.478%112.581%111.258%110.191%109.311%108.572%107.940%107.394%106.915%106.493%106.116%105.778%105.472%105.195%104.942%104.709%
84115.263%111.572%110.320%109.313%108.483%107.788%107.196%106.684%106.237%105.842%105.491%105.177%104.893%104.635%104.401%104.186%



85114.114%110.625%109.443%108.493%107.712%107.059%106.504%106.025%105.607%105.240%104.913%104.621%104.357%104.119%103.902%103.703%
86113.033%109.742%108.627%107.732%106.999%106.386%105.866%105.418%105.029%104.686%104.382%104.111%103.867%103.646%103.445%103.262%
87112.021%108.927%107.877%107.036%106.347%105.772%105.285%104.867%104.504%104.186%103.903%103.652%103.425%103.221%103.035%102.866%
88111.071%108.173%107.187%106.396%105.749%105.211%104.756%104.366%104.028%103.731%103.469%103.235%103.026%102.837%102.665%102.509%
89110.181%107.478%106.553%105.812%105.205%104.701%104.276%103.912%103.596%103.320%103.077%102.860%102.666%102.491%102.332%102.188%
90109.346%106.839%105.975%105.280%104.713%104.241%103.843%103.503%103.209%102.952%102.726%102.525%102.345%102.183%102.036%101.902%
91108.558%106.251%105.448%104.800%104.269%103.828%103.456%103.139%102.865%102.625%102.415%102.228%102.061%101.911%101.775%101.651%
92107.806%105.705%104.963%104.361%103.866%103.454%103.106%102.810%102.554%102.331%102.135%101.961%101.806%101.667%101.541%101.426%
93107.077%105.195%104.515%103.960%103.500%103.117%102.793%102.516%102.277%102.069%101.886%101.724%101.580%101.450%101.333%101.227%
94106.358%104.710%104.098%103.592%103.170%102.815%102.514%102.257%102.035%101.841%101.671%101.520%101.386%101.266%101.156%101.060%
95105.617%104.223%103.687%103.235%102.852%102.528%102.251%102.013%101.807%101.628%101.471%101.332%101.207%101.100%101.000%101.000%
96104.824%103.707%103.258%102.868%102.531%102.240%101.987%101.769%101.579%101.413%101.268%101.141%101.026%101.000%101.000%101.000%
97103.956%103.148%102.802%102.490%102.211%101.962%101.740%101.543%101.369%101.216%101.085%101.000%101.000%101.000%101.000%101.000%
98102.948%102.474%102.255%102.048%101.851%101.667%101.493%101.330%101.179%101.039%101.000%101.000%101.000%101.000%101.000%101.000%
99101.691%101.537%101.460%101.383%101.307%101.230%101.154%101.078%101.002%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
100101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
101101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
102101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
103101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
104101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
105101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
106101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
107101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
108101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
109101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
110101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
111101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
112101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
113101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
114101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
115101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
116101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
117101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
118101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
119101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
120101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%





Cash Value Accumulation Test (percentage of Surrender Value) – Unisex

Table:Standard150%175%200%225%250%275%300%325%350%375%400%425%450%475%500%
Age:2345678910111213141516
0467.398%427.328%412.568%400.000%389.082%379.451%370.851%363.093%356.039%349.578%343.627%338.116%332.989%328.202%323.715%319.496%
1458.699%419.519%405.091%392.808%382.140%372.731%364.329%356.752%349.862%343.553%337.742%332.361%327.356%322.682%318.302%314.184%
2449.960%411.605%397.483%385.463%375.023%365.816%357.596%350.183%343.442%337.271%331.586%326.323%321.427%316.856%312.573%308.545%
3441.336%403.776%389.950%378.181%367.962%358.949%350.903%343.647%337.050%331.010%325.447%320.296%315.506%311.032%306.841%302.900%
4432.843%396.055%382.515%370.990%360.983%352.159%344.280%337.177%330.718%324.805%319.358%314.316%309.627%305.248%301.145%297.288%
5424.495%388.459%375.197%363.911%354.110%345.468%337.754%330.797%324.473%318.683%313.351%308.414%303.823%299.536%295.519%291.743%
6416.305%381.005%368.015%356.961%347.363%338.900%331.345%324.533%318.340%312.671%307.449%302.615%298.120%293.923%289.990%286.293%
7408.270%373.690%360.966%350.139%340.739%332.450%325.052%318.381%312.317%306.765%301.652%296.919%292.517%288.407%284.557%280.937%
8400.386%366.511%354.048%343.443%334.236%326.119%318.873%312.340%306.401%300.965%295.958%291.323%287.013%282.989%279.218%275.674%
9392.640%359.452%347.243%336.855%327.836%319.885%312.787%306.389%300.572%295.247%290.344%285.805%281.584%277.643%273.950%270.479%
10385.042%352.526%340.565%330.389%321.554%313.765%306.814%300.546%294.849%289.634%284.831%280.385%276.251%272.392%268.775%265.376%
11377.587%345.730%334.012%324.043%315.389%307.759%300.949%294.810%289.230%284.122%279.418%275.064%271.015%267.234%263.693%260.364%
12370.285%339.074%327.595%317.829%309.352%301.879%295.209%289.196%283.731%278.728%274.121%269.856%265.891%262.189%258.720%255.460%
13363.131%332.555%321.311%311.745%303.442%296.122%289.589%283.700%278.348%273.448%268.936%264.760%260.877%257.251%253.855%250.662%
14356.140%326.191%315.179%305.811%297.680%290.512%284.115%278.349%273.108%268.311%263.893%259.805%256.003%252.453%249.128%246.003%
15349.343%320.020%309.240%300.070%292.112%285.097%278.837%273.194%268.065%263.371%259.048%255.048%251.328%247.855%244.601%241.544%
16342.762%314.073%303.527%294.558%286.775%279.915%273.794%268.277%263.262%258.673%254.447%250.536%246.900%243.506%240.326%237.337%
17336.404%308.354%298.047%289.282%281.677%274.975%268.996%263.607%258.709%254.227%250.101%246.282%242.731%239.417%236.312%233.394%
18330.286%302.887%292.823%284.268%276.846%270.307%264.473%259.216%254.439%250.067%246.043%242.319%238.857%235.626%232.599%229.754%
19324.347%297.600%287.781%279.436%272.198%265.821%260.134%255.010%250.354%246.095%242.174%238.545%235.173%232.025%229.077%226.306%
20318.516%292.406%282.826%274.686%267.627%261.411%255.867%250.872%246.336%242.185%238.365%234.830%231.545%228.479%225.608%222.910%
21312.804%287.318%277.973%270.034%263.153%257.093%251.690%246.824%242.403%238.360%234.639%231.197%227.998%225.013%222.217%219.590%
22307.192%282.318%273.202%265.461%258.752%252.845%247.580%242.838%238.532%234.594%230.970%227.618%224.503%221.596%218.874%216.317%
23301.681%277.403%268.511%260.962%254.422%248.665%243.534%238.914%234.719%230.884%227.355%224.091%221.058%218.228%215.579%213.090%
24296.272%272.579%263.906%256.545%250.170%244.559%239.560%235.060%230.974%227.239%223.803%220.625%217.673%214.918%212.340%209.918%
25290.964%267.843%259.384%252.208%245.994%240.527%235.656%231.273%227.294%223.657%220.311%217.218%214.345%211.664%209.155%206.799%
26285.754%263.192%254.943%247.947%241.891%236.564%231.819%227.550%223.676%220.135%216.879%213.868%211.072%208.464%206.023%203.730%
27280.624%258.605%250.560%243.739%237.836%232.645%228.023%223.865%220.092%216.644%213.474%210.544%207.822%205.284%202.909%200.679%
28275.568%254.076%246.229%239.577%233.822%228.764%224.260%220.209%216.534%213.176%210.090%207.237%204.588%202.117%199.806%197.636%
29270.581%249.600%241.943%235.456%229.844%224.912%220.523%216.575%212.995%209.724%206.718%203.940%201.360%198.955%196.705%194.593%
30265.673%245.188%237.717%231.388%225.916%221.107%216.829%212.981%209.493%206.306%203.378%200.672%198.160%195.818%193.627%191.571%
31260.847%240.846%233.555%227.381%222.043%217.355%213.184%209.434%206.034%202.930%200.077%197.441%194.995%192.714%190.581%188.579%
32256.109%236.581%229.466%223.443%218.238%213.667%209.601%205.946%202.633%199.609%196.829%194.262%191.880%189.660%187.583%185.634%
33251.474%232.411%225.470%219.596%214.521%210.065%206.102%202.541%199.314%196.368%193.662%191.162%188.843%186.682%184.660%182.763%
34246.938%228.331%221.561%215.833%210.886%206.544%202.683%199.215%196.072%193.204%190.569%188.136%185.879%183.776%181.809%179.964%
35242.499%224.343%217.741%212.158%207.337%203.106%199.346%195.969%192.909%190.117%187.553%185.185%182.989%180.944%179.031%177.236%
36238.159%220.446%214.009%208.568%203.872%199.752%196.091%192.803%189.826%187.109%184.615%182.312%180.176%178.187%176.328%174.583%
37233.921%216.647%210.375%205.075%200.501%196.491%192.928%189.729%186.833%184.191%181.766%179.528%177.452%175.519%173.713%172.018%
38229.783%212.942%206.831%201.670%197.219%193.317%189.851%186.741%183.925%181.358%179.001%176.827%174.811%172.934%171.179%169.534%
39225.742%209.328%203.378%198.355%194.024%190.229%186.860%183.837%181.101%178.607%176.318%174.207%172.250%170.429%168.726%167.131%



40221.793%205.801%200.010%195.122%190.911%187.222%183.948%181.011%178.355%175.933%173.712%171.664%169.765%167.998%166.348%164.801%
41217.935%202.360%196.724%191.972%187.878%184.294%181.114%178.263%175.685%173.336%171.181%169.195%167.354%165.642%164.043%162.544%
42214.161%198.996%193.515%188.894%184.917%181.436%178.349%175.583%173.082%170.804%168.715%166.790%165.007%163.349%161.800%160.349%
43210.463%195.700%190.370%185.880%182.016%178.636%175.641%172.958%170.532%168.324%166.301%164.436%162.709%161.104%159.605%158.201%
44206.826%192.455%187.272%182.908%179.156%175.875%172.968%170.365%168.014%165.874%163.914%162.108%160.436%158.882%157.431%156.073%
45203.249%189.259%184.219%179.979%176.334%173.149%170.329%167.805%165.525%163.451%161.552%159.803%158.185%156.681%155.278%153.964%
46199.732%186.114%181.213%177.092%173.553%170.461%167.725%165.277%163.068%161.058%159.219%157.525%155.959%154.504%153.146%151.876%
47196.275%183.019%178.254%174.251%170.813%167.813%165.159%162.785%160.643%158.696%156.915%155.276%153.760%152.352%151.039%149.811%
48192.875%179.972%175.339%171.449%168.111%165.199%162.624%160.322%158.247%156.361%154.635%153.048%151.581%150.219%148.950%147.763%
49189.533%176.973%172.468%168.688%165.447%162.620%160.123%157.891%155.880%154.052%152.382%150.846%149.426%148.109%146.881%145.734%
50186.245%174.019%169.639%165.966%162.819%160.076%157.653%155.489%153.540%151.770%150.152%148.665%147.292%146.017%144.830%143.721%
51183.019%171.119%166.861%163.293%160.237%157.575%155.225%153.128%151.239%149.524%147.958%146.519%145.191%143.958%142.811%141.739%
52179.857%168.276%164.138%160.672%157.705%155.122%152.844%150.811%148.981%147.321%145.805%144.413%143.128%141.937%140.828%139.793%
53176.760%165.492%161.470%158.104%155.225%152.720%150.511%148.542%146.770%145.163%143.696%142.350%141.108%139.956%138.886%137.886%
54173.728%162.767%158.860%155.592%152.799%150.370%148.230%146.322%144.607%143.052%141.633%140.332%139.132%138.020%136.986%136.021%
55170.761%160.101%156.306%153.135%150.426%148.072%145.998%144.151%142.491%140.988%139.617%138.359%137.200%136.126%135.128%134.197%
56167.862%157.499%153.814%150.738%148.111%145.831%143.823%142.036%140.431%138.977%137.652%136.438%135.318%134.283%133.320%132.423%
57165.030%154.959%151.383%148.400%145.855%143.646%141.704%139.975%138.423%137.019%135.740%134.567%133.488%132.489%131.561%130.696%
58162.266%152.482%149.013%146.121%143.656%141.519%139.640%137.969%136.470%135.114%133.879%132.749%131.708%130.745%129.852%129.019%
59159.570%150.069%146.706%143.904%141.518%139.451%137.635%136.021%134.573%133.265%132.074%130.985%129.982%129.055%128.195%127.394%
60156.942%147.721%144.462%141.750%139.442%137.444%135.689%134.131%132.735%131.474%130.326%129.277%128.311%127.420%126.593%125.823%
61154.386%145.441%142.285%139.661%137.430%135.500%133.806%132.304%130.958%129.743%128.638%127.628%126.700%125.843%125.048%124.309%
62151.901%143.230%140.176%137.639%135.485%133.622%131.989%130.541%129.245%128.076%127.013%126.042%125.151%124.328%123.565%122.856%
63149.487%141.088%138.135%135.684%133.605%131.809%130.236%128.842%127.595%126.471%125.450%124.518%123.663%122.873%122.142%121.463%
64147.145%139.015%136.161%133.797%131.792%130.062%128.548%127.208%126.010%124.931%123.951%123.057%122.237%121.481%120.782%120.132%
65144.874%137.010%134.256%131.976%130.045%128.381%126.926%125.638%124.489%123.453%122.515%121.659%120.874%120.151%119.482%118.861%
66142.670%135.070%132.413%130.218%128.360%126.760%125.363%124.128%123.026%122.034%121.136%120.317%119.567%118.876%118.238%117.645%
67140.532%133.191%130.632%128.519%126.733%125.198%123.857%122.674%121.619%120.670%119.812%119.029%118.313%117.654%117.046%116.481%
68138.455%131.371%128.907%126.875%125.161%123.688%122.404%121.271%120.262%119.356%118.536%117.790%117.107%116.479%115.900%115.362%
69136.437%129.606%127.236%125.284%123.640%122.229%121.000%119.916%118.953%118.088%117.306%116.595%115.945%115.347%114.796%114.286%
70134.478%127.896%125.619%123.746%122.170%120.819%119.644%118.609%117.690%116.865%116.120%115.444%114.825%114.258%113.734%113.250%
71132.581%126.244%124.057%122.262%120.753%119.462%118.339%117.352%116.476%115.691%114.982%114.339%113.752%113.213%112.717%112.258%
72130.747%124.653%122.555%120.836%119.393%118.160%117.090%116.149%115.315%114.569%113.896%113.285%112.728%112.218%111.747%111.313%
73128.979%123.124%121.114%119.470%118.093%116.917%115.898%115.003%114.211%113.502%112.864%112.285%111.758%111.275%110.830%110.420%
74127.278%121.660%119.738%118.168%116.855%115.735%114.766%113.917%113.165%112.493%111.889%111.342%110.843%110.387%109.968%109.580%
75125.645%120.261%118.424%116.927%115.678%114.614%113.694%112.889%112.177%111.542%110.971%110.454%109.984%109.554%109.159%108.794%
76124.076%118.923%117.172%115.747%114.559%113.550%112.679%111.918%111.245%110.645%110.107%109.620%109.178%108.773%108.402%108.060%
77122.568%117.643%115.975%114.621%113.495%112.539%111.716%110.997%110.363%109.798%109.291%108.834%108.418%108.039%107.691%107.370%
78121.118%116.417%114.830%113.545%112.479%111.575%110.798%110.121%109.525%108.994%108.519%108.090%107.700%107.345%107.020%106.720%
79119.721%115.240%113.732%112.515%111.507%110.655%109.923%109.286%108.726%108.228%107.783%107.382%107.018%106.686%106.383%106.103%
80118.378%114.110%112.681%111.529%110.577%109.774%109.087%108.489%107.964%107.499%107.083%106.708%106.369%106.060%105.778%105.518%
81117.089%113.030%111.675%110.587%109.690%108.935%108.289%107.730%107.239%106.805%106.417%106.068%105.752%105.466%105.203%104.963%
82115.856%112.001%110.719%109.692%108.847%108.139%107.534%107.011%106.553%106.148%105.787%105.463%105.171%104.905%104.662%104.440%
83114.677%111.018%109.806%108.838%108.044%107.380%106.814%106.325%105.899%105.522%105.187%104.887%104.616%104.370%104.146%103.940%



84113.560%110.093%108.949%108.037%107.291%106.668%106.140%105.684%105.287%104.937%104.627%104.349%104.098%103.871%103.665%103.475%
85112.508%109.227%108.147%107.289%106.589%106.006%105.512%105.088%104.719%104.395%104.107%103.850%103.619%103.409%103.219%103.045%
86111.523%108.423%107.404%106.596%105.940%105.394%104.934%104.539%104.196%103.895%103.629%103.391%103.178%102.985%102.810%102.651%
87110.607%107.684%106.724%105.963%105.347%104.837%104.407%104.039%103.720%103.441%103.195%102.976%102.779%102.601%102.440%102.294%
88109.762%107.011%106.106%105.390%104.812%104.334%103.932%103.589%103.292%103.034%102.805%102.602%102.421%102.257%102.109%101.974%
89108.987%106.405%105.552%104.879%104.335%103.887%103.511%103.191%102.914%102.674%102.462%102.274%102.106%101.955%101.818%101.694%
90108.276%105.863%105.061%104.427%103.915%103.494%103.141%102.841%102.583%102.359%102.161%101.987%101.831%101.691%101.564%101.449%
91107.622%105.381%104.627%104.031%103.548%103.152%102.820%102.539%102.297%102.087%101.903%101.740%101.595%101.464%101.347%101.240%
92107.012%104.949%104.245%103.684%103.230%102.856%102.543%102.279%102.051%101.854%101.681%101.529%101.393%101.271%101.161%101.065%
93106.428%104.557%103.904%103.379%102.952%102.599%102.304%102.054%101.840%101.654%101.491%101.347%101.220%101.106%101.003%101.000%
94105.851%104.193%103.596%103.110%102.710%102.379%102.101%101.865%101.662%101.487%101.333%101.197%101.077%101.000%101.000%101.000%
95105.248%103.829%103.297%102.856%102.488%102.180%101.920%101.698%101.508%101.344%101.200%101.074%101.000%101.000%101.000%101.000%
96104.574%103.423%102.970%102.582%102.251%101.969%101.727%101.520%101.342%101.188%101.055%101.000%101.000%101.000%101.000%101.000%
97103.806%102.963%102.608%102.291%102.010%101.762%101.544%101.353%101.187%101.044%101.000%101.000%101.000%101.000%101.000%101.000%
98102.876%102.377%102.147%101.930%101.727%101.536%101.358%101.193%101.041%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
99101.672%101.509%101.427%101.346%101.265%101.184%101.103%101.022%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
100101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
101101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
102101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
103101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
104101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
105101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
106101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
107101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
108101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
109101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
110101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
111101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
112101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
113101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
114101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
115101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
116101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
117101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
118101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
119101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%
120101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%101.000%






Part C
Other Information
Item 30. Exhibits
Unless otherwise noted, documents containing Accession Numbers below have previously been filed with the Securities and Exchange Commission and are incorporated herein by reference.
(a)
(b)
Custodian Agreement - N/A
(c)Underwriting Contracts
(1)
(2)
(3)
(d)Contracts
(d1)
(d2)
(d3)
(d4)
(d5)
(d6)
(d7)
(d8)
(e)Applications
(e1)
(e2)
(e3)
(e4)
(f)Depositor's Certificate of Incorporation and By-laws
(1)
(2)
(g)
(h)Participation Agreements



1. AllianceBernstein
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
2. American Century
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
3. American Funds
(a)
(b)
(c)
(d)
4. Calvert Variable Series, Inc.
(a)
(b)
(c)



(d)
(e)
(f)
5. ClearBridge (Legg Mason)
(a)
(b)
6. Delaware Distributors
(a)
(b)
7. Dreyfus
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
(k)
(l)
8. DWS
(a)
(b)



(c)
(d)
(e)
9. Fidelity Distributors Corporation
(a)
(b)
(c)
10. Franklin Templeton
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
(k)
(l)
(m)
(n)
(o)
(p)
(q)
(r)
11. Invesco (formerly AIM Advisors, Inc.)
(a)



(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
(k)
(l)
(m)
(n)
(o)
(p)
(q)
(r)
12. Janus
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)



(k)
(l)
(m)
(n)
(o)
(p)
(q)
(r)
(s)
(t)
(u)
13. Lord Abbett
(a)
(b)
(c)
(d)
14. MFS
(a)
(b)
(c)
(d)
(e)
15. Neuberger Berman Advisors
(a)
(b)
(c)
(d)
(e)



(f)
(g)
(h)
(i)
16. Oppenheimer
(a)
(b)
(c)
(d)
17. PIMCO
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
18. Principal Variable Contracts Funds, Inc.
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)



(i)
(j)
(k)
19. Putnam
(a)
(b)
(c)
(d)
(e)
(f)
(g)
20. TOPS (Northern Lights)
(a)
21. Van Eck
(a)
(b)
(c)
(d)
(e)
(f)
(g)
(h)
(i)
(j)
(k)
(l)
22. Vanguard
(a)



(b)
(c)
(d)
(e)
(f)
23. Wanger International
(a)
(b)
(i)Administration Contracts
1.
(j)
Other Material Contracts - N/A
(k)
(l)
Actuarial Opinion - N/A
(m)
Calculations - N/A
(n)Other Opinions
(1)
(2)
Powers of Attorney - N/A
(3)
(o)Financial Statements Schedules
Principal National Life Insurance Company
(1)
(2)
(3)
(4)
All other schedules for which provision is made in the applicable accounting regulation of the Securities and Exchange Commission are not required under the related instructions or are inapplicable and therefore have been omitted.
(p)
Initial Capital Agreements - N/A
(q)
* Filed herein
** To be filed by amendment



Item 31. Officers and Directors of the Depositor
Principal National Life Insurance Company is managed by a Board of Directors which is elected by its policyowners. The
directors and executive officers of the Company, their positions with the Company, including Board Committee memberships,
and their principal business address, are as follows:

DIRECTORS:
Name and Principal Business AddressPositions and Offices
Amy C. Friedrich
Principal Financial Group, Des Moines, IA 50392
Principal National Life: Director, President - U.S. Insurance Solutions
Kenneth A. McCullum
Principal Financial Group, Des Moines, IA 50392
Principal National Life: Director, Senior Vice President/Chief Risk Officer
Srinivas D. Reddy
Principal Financial Group, Des Moines, IA 50392
Principal National Life: Director, Senior Vice President - Retirement and Income Solutions
Nathan P. Schelhaas
Principal Financial Group, Des Moines, IA 50392
Principal National Life: Chairman of the Board and President
Deanna D. Strable-Soethout
Principal Financial Group, Des Moines, IA 50392
Principal National Life: Director, Executive Vice President
and Chief Financial Officer

EXECUTIVE OFFICERS (OTHER THAN DIRECTORS)
Name and Principal Business AddressPositions and Offices
Matthew C. Ahmann(1)
Associate Vice President - Government Relations
Jon N. Couture(1)
Senior Vice President and Chief Human Resources Officer
David P. Desing(1)
Assistant Director - Treasury
Christopher P. Freese(1)
Chief Risk Officer - U.S. Insurance Solutions
Gina L. Graham(1)
Vice President and Treasurer
Patrick G. HalterPresident - Principal Global Asset Management
Kathleen B. Kay(1)
Senior Vice President and Chief Information Officer
Christopher J. LittlefieldExecutive Vice President and General Counsel
Dennis J. Menken(1)
Senior Vice President and Chief Investment Officer - General Account
Alex P. Montz(1)
Counsel
Kevin J. Morris(1)
Vice President and Chief Marketing Officer - RIS
Christopher D. Payne(1)
Vice President - Federal Government Relations
Angela R. Sanders(1)
Senior Vice President and Controller
Dwight N. SoethoutVice President and Chief Actuary
Kathleen M. Souhrada(1)
Vice President - Non-Qualified and Life Administration
Elizabeth D. Swanson(1)
Counsel and Assistant Corporate Secretary
Traci L. Weldon(1)
Assistant Vice President - Compliance
Dan L. Westholm(1)
Assistant Vice President - Treasury
Richard H. Wireman II(1)
Vice President - Tax
Bethany A. Wood(1)
Senior Vice President and Chief Marketing Officer
Clint L. Woods(1)
Secretary
(1)    Principal Business Address:
    Principal Financial Group
    Des Moines, IA 50392






Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant
The Registrant is a separate account of Principal National Life Insurance Company (the "Depositor") and is operated as a unit investment trust. Registrant supports benefits payable under Depositor's variable life contracts by investing assets allocated to various investment options in shares of Principal Variable Contracts Funds, Inc. and other mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies of the "series" type. No person is directly or indirectly controlled by the Registrant.
The Depositor is wholly-owned by Principal Financial Services, Inc. Principal Financial Services, Inc. (an Iowa corporation) is an intermediate holding company organized pursuant to Section 512A.14 of the Iowa Code. In turn, Principal Financial Services, Inc. is a wholly-owned subsidiary of Principal Financial Group, Inc., a publicly traded company that filed consolidated financial statements with the SEC. A list of persons directly or indirectly controlled by or under common control with Depositor as of December 31, 2020 appears below:
None of the companies listed in such organization chart is a subsidiary of the Registrant; therefore, only the separate financial statements of Registrant and the consolidated financial statements of Depositor are being filed with this Registration Statement.
Principal National Life Insurance Company - Organizational Structure
(December 31, 2020)
Organized in% Owned
PRINCIPAL FINANCIAL GROUP, INC.DelawarePublicly Held
-->Principal Financial Services, Inc.*#Iowa100 
-->PFG DO Brasil LTDA*#
Brazil100 
-->Brasilprev Seguros E Previdencia S.A.*Brazil50 
-->Principal Global Investors Participacoes, LTDA*#Brazil100 
-->Claritas Investments LTD*#Cayman Islands100 
-->Claritas Administracao de Recursos LTDA*#Brazil100 
-->PFG Do Brasil 2 Participacoes LTDA*#Brazil100 
-->Ciclic Corretora de Seguros S.A.*#Brazil50.01 
-->Principal International, LLC.*#
Iowa100 
-->Principal International (Asia) Limited*#
Hong Kong100 
-->Principal Asia Pacific Investment Consulting (Beijing) Limited*#China100 
-->Principal International (South Asia) SDN, BHD*#Malaysia100 
-->Principal Nominee Company (Hong Kong) Limited*#Hong Kong100 
-->Principal Asset Management Company (Asia) Limited*#Hong Kong100 
-->Principal Trust Company (Hong Kong) Limited*Hong Kong100 
-->Principal Insurance Company (Hong Kong) Limited*#Hong Kong100 
-->Principal Trust Company (Bermuda) Limited*#Bermuda100 
-->Principal Asset Management Berhad*
Malaysia60 
-->CIMB Wealth Advisors Berhad*Malaysia100 
-->PT Principal Asset ManagementIndonesia99 
-->Principal Asset Management (S) PTE LTD*#Singapore100 
-->Principal Asset Management Company Limited*Thailand100 
-->PT Principal Asset Management*Indonesia99 
-->Principal Trust Company (Asia) Limited*#Hong Kong100 
-->Principal Investment & Retirement Services Limited*#Hong Kong100 
-->Principal Consulting (India) Private Limited*#India100 
-->Principal Global Investors Holding Company, LLC*#
Delaware100 
-->Principal Global Investors (Ireland) Limited*#Ireland100 
-->Principal Global Financial Services (Europe) II LTD*#United Kingdom100 
-->Principal Global Investors (Europe) Limited*Wales/United Kingdom100 
-->Principal Global Investors (EU) Limited*Ireland100 
-->Principal Global Investors (Switzerland) GMBH*Switzerland100 
-->PGI Origin Holding Company LTD*#<
Wales/United Kingdom100 
-->Origin Asset Management LLP*#<Wales/United Kingdom85.52 
-->PGI Finisterre Holding Company LTD*Wales/United Kingdom100 
-->Finisterre Holdings Limited*
Malta100 
-->Finisterre Capital UK Limited*
Wales/United Kingdom100 
-->Finisterre Capital LLP*Wales/United Kingdom100 



-->Finisterre Malta Limited*Malta100 
-->Principal Corporate Secretarial Services LimitedWales/United Kingdom100 
-->Principal Real Estate Europe LimitedWales/United Kingdom100 
-->Principal Real Estate LimitedWales/United Kingdom100 
-->INTERNOS Real Estate LimitedWales/United Kingdom100 
-->Principal Real Estate B.V.Netherlands100 
-->Principal Real Estate GmbHGermany100 
-->Principal Real Estate Kapitalverwaltungsgesellschaft mbHGermany94.9 
-->Principal Real Estate S.ã.r.l.Luxembourg100 
-->Principal Real Estate SASFrance100 
-->Principal Real Estate S.L.Spain100 
-->Principal Real Estate Spezialfondsgesellschaft mbHGermany94.9 
-->Principal Global Investors (Singapore) Limited*#Singapore100 
-->Principal Global Investors (Hong Kong) Limited*#Hong Kong100 
-->Principal Global Investors Holding Company (US), LLC*#Delaware100 
-->Spectrum Asset Management, Inc.*#<Connecticut100 
-->SAMI Brokerage LLCConnecticut100 
--> Post Advisory Group, LLC*#<
Delaware78.25 
--> Principal Commercial Funding, LLC*#<Delaware100 
-->Principal Enterprise Capital, LLC*#
Delaware100 
-->Principal Global Investors, LLC*#<
Delaware100 
-->Principal Real Estate Investors, LLC*#Delaware100 
-->Principal Global Investors Trust Company*#Oregon100 
-->Principal Shareholder Services, Inc.*#Washington100 
-->Principal Funds Distributor, Inc.*#Washington100 
-->Principal Islamic Asset Management SDN. BHD*#Malaysia60 
-->Principal Financial Group (Mauritius) LTD*#
Mauritius100 
-->Principal Asset Management Private Limited*#India100 
-->Principal Trustee Company Private Limited*#India100 
-->Principal Retirement Advisors Private Limited*#India100 
-->Principal Life Insurance Company+#
Iowa100 
-->Principal Real Estate Fund Investors, LLC*#<Delaware100 
-->Principal Development Investors, LLC*#<Delaware100 
-->Principal Real Estate Holding Company, LLC*#<
Delaware100 
-->GAVI PREHC HC, LLC*#<Delaware100 
-->Principal Holding Company, LLC*#<
Iowa100 
-->Petula Associates, LLC*<
Iowa100 
-->Principal Real Estate Portfolio, Inc.*#<
Delaware100 
-->GAVI PREPI HC, LLC*#<Delaware100 
-->Petula Prolix Development Company, LLC*#<Iowa100 
-->Principal Commercial Acceptance, LLC*#<Delaware100 
-->Principal Generation Plant, LLC*#<Delaware100 
-->Principal Bank*#<Iowa100 
-->Principal Advised Services, LLCDelaware100 
-->Equity FC, LTD*#<Iowa100 
-->Principal Dental Services, Inc.*#<
Arizona100 
-->Employers Dental Services, Inc.*#<Arizona100 
-->First Dental Health*#<California100 
-->Delaware Charter Guarantee & Trust Company*#<Delaware100 
-->Preferred Product Network, Inc.*#<Delaware100 
-->Principal Reinsurance Company of Vermont*#Vermont100 
-->Principal Life Insurance Company of Iowa*#<
Iowa100 
-->Principal Reinsurance Company of Delaware*#<Delaware100 
-->Principal Reinsurance Company of Delaware II*#<Delaware100 
-->Principal International Holding Company, LLC*#Delaware100 
-->Principal Global Services Private Limited*#India100 
-->Principal Global Services (Philippines) LLCPhilippines100 
-->Veloxiti Commercial Contracting, Inc.Delaware40 



-->CCB Principal Asset Management Company, LTD*China25 
-->Principal Financial Services I (US), LLC*#
Delaware100 
-->Principal Financial Services II (US), LLC*#Delaware100 
-->Principal Financial Services I (UK) LLP *#
Wales/United Kingdom100 
-->Principal Financial Services IV (UK) LLP*#
United Kingdom100 
-->Principal Financial Services V (UK) LTD.*#United Kingdom100 
-->Principal Financial Services II (UK) LTD.*#
Wales/United Kingdom100 
-->Principal Financial Services III (UK) LTD.*#
Wales/United Kingdom100 
-->Principal Financial Services Asia (UK) LTD*#United Kingdom100 
-->Principal Global Investors Asia (UK) LtdUnited Kingdom100 
-->Principal International Asia (UK) LtdUnited Kingdom100 
-->Principal Global Investors (Australia) Service Company Pty Limited*#Australia100 
-->Principal Global Investors (Australia) Limited*#
Australia100 
-->Principal Global Investors (Japan) Limited*#Japan100 
-->Principal International India LTD*#United Kingdom100 
-->Principal Financial Services VI (UK) LTD*#
United Kingdom100 
-->Principal Global Financial Services (Europe) LTD*#
United Kingdom100 
-->Liongate Limited*
Malta100 
-->Liongate Capital Management LLP*Wales/United Kingdom100 
-->Principal Financial Services Latin America LTD.*#
Wales/United Kingdom100 
-->Principal International Latin America LTD.*#
United Kingdom100 
-->Principal International Mexico, LLC*#Delaware100 
-->Principal Mexico Servicios, S.A. de C.V.*#Mexico100 
-->Principal Financial Group, S.A. de C. V. Grupo Financiero*#
Mexico100 
-->Principal Afore, S. A. de C.V., Principal Grupo Financiero*#Mexico100 
-->Principal Fondos de Inversion S.A. de C.V., Operadora de Fondos de Inversion, Principal Grupo Financiero*#Mexico100 
-->Principal Seguros, S.A. de C.V., Principal Grupo Financiero*#Mexico100 
-->Principal International South America I LTD.*#
Wales/United Kingdom100 
-->Principal International South America II LTD.*#
Wales/United Kingdom100 
-->Principal International South America II LTD., Agencia En Chile*#
Chile/United Kingdom100 
-->Principal International de Chile, S.A.*#
Chile100 
-->Principal Compania de Seguros de Vida Chile S.A.*#
Chile100 
-->Principal Administradora General de Fondos S.A.*#Chile100 
-->Principal Ahorro e Inversiones S.A.*#Chile100 
-->Principal Servicios Corporativos Chile LTDA*#Chile100 
-->Principal Servicios de Administracion S.A.*#
Chile100 
-->Hipotecaria Security Principal, S.A.*Chile49 
-->Principal Holding Company Chile S.A.*#
Chile100 
-->Principal Chile Limitada*#
Chile100 
-->Administradora de Fondos de Pensiones Cuprum S.A.*#
Chile97 
-->Inversiones Cuprum Internacional S.A.*#Chile100 
-->Principal National Life Insurance Company+#Iowa100 
-->Principal Enterprise Services (India) LLPIndia100 
-->Principal Securities, Inc.Iowa100 
-->Diversified Dental Services, Inc.*#Nevada100 
-->Principal Investors Corporation*#New Jersey100 
-->Principal Innovations, Inc.Delaware90.55 
-->RobustWealth, Inc.Delaware100 
+ Consolidated financial statements are filed with the SEC.
* Not required to file financial statements with the SEC.
# Included in the consolidated financial statements of Principal Financial Group, Inc. filed with the SEC.
= Separate Financial statements are filed with SEC.
< Included in the financial statements of Principal Life Insurance Company filed with the SEC.





Item 33. Indemnification
Sections 490.851 through 490.859 of the Iowa Business Corporation Act permit corporations to indemnify directors and officers where (A) all of the following apply: the director or officer (i) acted in good faith; (ii) reasonably believed that (a) in the case of conduct in the individual's official capacity, that the individual's conduct was in the best interests of the corporation or (b) in all other cases, that the individual's conduct was at least not opposed to the best interests of the corporation; and (iii) in the case of any criminal proceeding, the individual had no reasonable cause to believe the individual's conduct was unlawful; and (B) the individual engaged in conduct for which broader indemnification has been made permissible or obligatory under a provision of the corporation's articles of incorporation.
Unless ordered by a court pursuant to the Iowa Business Corporation Act, a corporation shall not indemnify a director or officer in either of the following circumstances: (A) in connection with a proceeding by or in the right of the corporation, except for reasonable expenses incurred in connection with the proceeding if it is determined that the director has met the relevant standard of conduct (above) or (B) in connection with any proceeding with respect to conduct for which the director was adjudged liable on the basis that the director receive a financial benefit to which he or she was not entitled, whether or not involving action in the director's official capacity.
Registrant's By-Laws provide that it shall indemnify directors and officers against damages, awards, settlements and costs reasonably incurred or imposed in connection with any suit or proceeding to which such person is or may be made a party by reason of being a director or officer of the Registrant. Such rights of indemnification are in addition to any rights to indemnity to which the person may be entitled under Iowa law and are subject to any limitations imposed by the Board of Directors. The Board has provided that certain procedures must be followed for indemnification of officers, and that there is no indemnity of officers when there is a final adjudication of liability based upon acts which constitute gross negligence or willful misconduct.
Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.



Item 34. Principal Underwriters
(a)    Other Activity
Principal Securities, Inc. (formerly Princor Financial Services Corporation) acts as principal underwriter for variable life insurance contracts issued by Principal National Life Insurance Company Variable Life Separate Account, a registered unit investment trust.
(b)    Management
(b1) Name and principal(b2) Positions and offices
business addresswith principal underwriter
Meaghan AlvarezVice President and Chief Compliance Officer
Principal Financial Group(1)
Carla BeitzelVice President, Distribution
Principal Financial Group(1)
Chad ClaireChief Information Officer
Principal Financial Group(1)
Amy C. FriedrichDirector
Principal Financial Group(1)
William FroehlichVice President, Operations
Principal Financial Group(1)
Gina L. GrahamVice President and Treasurer
Principal Financial Group(1)
Grady HoltVice President - Advisory Services
Principal Financial Group(1)
Chantel M. KrammeCounsel
Principal Financial Group(1)
Casey MathiasVice President
Principal Financial Group(1)
Kenneth A. McCullumDirector
Principal Financial Group(1)
Alex P. MontzAssistant Corporate Secretary
Principal Financial Group(1)
Michael F. MurrayChairman, President and Chief Executive Officer
Principal Financial Group(1)
Doug RantsChief Information Security Officer
Principal Financial Group(1)
David A. RiglerChief Financial Officer
Principal Financial Group(1)
Craig SpadaforaSenior Vice President
Principal Financial Group(1)
Marty RichardsonVice President
Principal Financial Group(1)
Deanna D. Strable-SoethoutDirector
Principal Financial Group(1)



(b1) Name and principal(b2) Positions and offices
business addresswith principal underwriter
Traci L. WeldonSenior Vice President
Principal Financial Group(1)
Dan L. WestholmAssistant Vice President - Treasury
Principal Financial Group(1)
Clint L. WoodsVice President, Associate General Counsel and Secretary
Principal Financial Group(1)
(1) 655 9th Street
      Des Moines, IA 50309
(c)    Compensation from the Registrant
(1)
Name of Principal Underwriter
(2)
Net Underwriting Discounts & Commissions
(3)
Compensation on Events Occasioning the Deduction of a Deferred Sales Load
(4)
Brokerage Commissions
(5)
Compensation
Principal Securities, Inc. formerly Princor Financial Services Corporation$3,203,543.00

Item 35. Location of Accounts and Records
All accounts, books or other documents of the Registrant are located at the offices of the Depositor, Principal Financial Group, Des Moines, Iowa 50392.
Item 36. Management Services
N/A
Item 37. Fee Representation
Principal National Life Insurance Company represents the fees and charges deducted under the Policy, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the Company.




SIGNATURES
Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant, certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the city of Des Moines and State of Iowa, on the 29th day of November, 2021.
PRINCIPAL NATIONAL LIFE INSURANCE COMPANY
    VARIABLE LIFE SEPARATE ACCOUNT
(Registrant)
By :/s/ Nathan P. Schelhaas
Nathan P. Schelhaas
Chairman and President
PRINCIPAL NATIONAL LIFE INSURANCE COMPANY
(Depositor)
By :/s/ Nathan P. Schelhaas
Nathan P. Schelhaas
Chairman and President
Attest:
/s/ Clint Woods
Clint Woods
Secretary



Pursuant to the requirements of the Securities Act, this amendment to the registration statement has been signed by the following persons in the capacities and on the date indicated.
SignatureTitleDate
/s/ N. P. SchelhaasChairman and PresidentNovember 29, 2021
N. P. Schelhaas
/s/ A. R. SandersSenior Vice President and ControllerNovember 29, 2021
A. R. Sanders(Principal Accounting Officer)
/s/ D. D. Strable-SoethoutDirector, Executive Vice President and Chief Financial OfficerNovember 29, 2021
D. D. Strable-Soethout(Principal Financial Officer)
/s/ K. A. McCullumDirector, Senior Vice President and Chief Risk OfficerNovember 29, 2021
K. A. McCullum
/s/ A. C. FriedrichDirectorNovember 29, 2021
A. C. Friedrich
/s/ S. D. ReddyDirectorNovember 29, 2021
S. D. Reddy



Document





November 29, 2021



VIA EDGAR


Securities and Exchange Commission
450 Fifth Street, NW
Washington, DC 20549

RE:    Principal National Life Insurance Company
    Variable Life Separate Account
    Principal Variable Universal Life Income IV
    Post-Effective Amendment No. 4 to Registration Statement on Form N-6
    File No. 333-232969

I am Counsel for the above-referenced Registrant. I have reviewed the attached post-effective amendment filed pursuant to Rule 485(b) under the Securities Act of 1933 and hereby represent that the amendment does not contain disclosures that would render it ineligible to become effective pursuant to Rule 485(b).

Sincerely,

/s/ Britney L. Schnathorst

Britney L. Schnathorst
Counsel
515-235-1209
Schnathorst.Britney@principal.com