Accelerated Death Benefit Payment – The actual benefit amount that will be paid under the Accelerated Death
Benefit Rider if the eligibility and conditions for payment are met. The benefit amount
paid is reduced for risk deductions and adjustments for premature payment
of the Base Policy Specified Amount. |
Accumulation
Unit – An accounting unit of measure of an investment in, or share of, a Sub-Account. Accumulation
Unit values are initially set at $10 for each Sub-Account. |
Attained
Age – A person's Issue Age plus the number of full years since the Policy Date. |
Base Policy Specified Amount – The amount of insurance coverage selected under the base policy, excluding any
Rider Specified Amount. |
Cash
Surrender Value – The Cash Value minus Indebtedness and any surrender charge. |
Cash
Value – The total amount allocated
to the Sub-Accounts, the policy loan account, and the fixed investment
options. |
Code – The Internal Revenue Code of 1986, as amended. |
Death
Benefit – The amount paid upon the Insured's death, before the
deduction of any Indebtedness, reduction for
any long-term care benefits paid, or due and unpaid policy charges. |
Death Benefit Guarantee Period – The length of time during which the Guaranteed Policy
Continuation Provision is available. |
Directed Monthly Deductions – A Policy Owner's election to have deductions for monthly policy charges, including
Rider charges, deducted from a single Sub-Account or the Fixed Account rather than proportionally. If the selected investment option’s value is insufficient to cover the full monthly deduction, the remainder of the monthly deduction
will be deducted proportionally from the Sub-Accounts and/or Fixed Account. The Long-Term Fixed Account and
amounts allocated to Enhanced Dollar Cost Averaging programs are not available for
Directed Monthly Deduction election. |
Fixed
Account – An investment option that
is funded by Nationwide's general account. |
Grace
Period – A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse. |
In
Force – Any time during which benefits are payable under the
policy and any elected Rider(s). |
Indebtedness
– The total amount of all
outstanding policy loans, including principal and interest due. |
Insured
– The person whose life is insured under the policy,
and whose death triggers payment of the Death Benefit. |
Investment
Experience – The market
performance of a mutual fund/Sub-Account. |
Issue
Age – A person's age based on their
birthday nearest the Policy Date. If their last birthday was more than 182
days prior to the Policy Date, their nearest birthday will be their next birthday. |
Lapse – The policy terminates without
value. |
Long-Term Care Specified Amount – The elected Long-Term Care Rider benefit amount
adjusted for any post issue increases and decreases. This amount must be
at least 10% of the Total Specified Amount and no more than 100% of the
Total Specified Amount. |
Long-Term
Fixed Account – An investment option that is funded by Nationwide’s general account. |
Maturity
Date – The policy anniversary on which the Insured reaches
Attained Age120. |
Minimum Required Death Benefit – The lowest Death Benefit that will qualify the policy as life insurance under the
Code. |
Monthly Death Benefit Guarantee Premium – Dollar amounts used to calculate the Premium that must be paid to
meet the requirements of the Guaranteed Policy Continuation Provision.
|
Nationwide
– Nationwide Life and Annuity
Insurance Company. |
Net Amount At Risk – The base policy's Death Benefit minus the policy's Cash Value. |
Net
Asset Value (NAV) – The price of
each share of a mutual fund in which a Sub-Account invests. NAV is
calculated by subtracting the mutual fund's liabilities from its total
assets, and dividing that figure by the number of shares outstanding.
Nationwide uses NAV to calculate the value of Accumulation Units. NAV does not reflect deductions
made for charges taken from the Sub-Accounts. |
Net
Premium – Premium after transaction charges, but before any allocation to an investment
option. |
Policy
Data Page(s) – The Policy Data Page(s) are issued as part of the policy and contain information specific to
the policy and the Insured, including coverage and Rider elections. Updated Policy Data Page(s) will be issued if the
Policy Owner makes any changes to coverage elections after the
policy is issued. |
Policy
Date – The date the policy takes effect as shown in the
Policy Data Pages. Policy years, months, and
anniversaries are measured from this date. |
Policy
Owner – The person or entity named as the owner on the application, or the person or entity assigned
ownership rights. |
Policy
Monthaversary – The same day of
the month as the Policy Date for each succeeding month. In any month
where such day does not exist (e.g. 29th, 30th, or 31st), the Policy Monthaversary will be the last day of that calendar
month. |
Policy Proceeds or Proceeds – Policy Proceeds may constitute the Death Benefit, or the amount payable if the policy matures or is surrendered, adjusted to account for any unpaid charges,
Indebtedness and Rider benefits. |
Premium
– Amount(s) paid to purchase and maintain
the policy. |
Premium Load
– The aggregate of the sales load
and premium tax charges. |
Premium
Waiver Benefit – The benefit
received under the Premium Waiver Rider. The benefit takes the form of a
monthly credit to the policy upon the Insured's total disability for six consecutive months not caused by a risk not
assumed. The amount credited to the policy is the lesser of the Premium specified by the Policy Owner or the average actual monthly Premiums paid over the last 36 months prior to the disability (or such shorter period of time
that the policy has been In Force). |
Returned
Premium – Any return of Premium due to Code Section 7702 or 7702A. |
Rider – An optional benefit purchased under the
policy. Rider availability and Rider terms may vary depending on the
state in which the policy was issued. |
Rider
Specified Amount – The portion of the Total Specified Amount attributable to the Additional Term Insurance
Rider. |
SEC – Securities and Exchange
Commission. |
Service
Center – The department of Nationwide responsible for receiving all service and transaction requests relating to the policy. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to contact the Service Center is in the Contacting the Service Center provision. |
Sub-Account(s)
– The mechanism used to account for allocations of
Net Premium and Cash Value among the
policy's variable investment options. |
Substandard
Rating – An underwriting classification based on medical and/or non-medical factors used to determine
what to charge for life insurance based on characteristics of the Insured beyond
traditional factors for standard risks, which include age, sex, and
tobacco habits of the Insured. Substandard Ratings are shown in the Policy Data Pages
as rate class multiples (medical factors) and/or monthly flat extras (medical and/or
non-medical factors). The higher the rate class multiple or monthly flat
extra, the greater the risk assessed and the higher the cost of coverage. |
Total Specified Amount – The sum of the Base Policy Specified Amount and the Rider Specified Amount, if
applicable. |
Unadjusted Accelerated Death Benefit Payment – An amount equal to the percentage of the Base Policy Specified
Amount elected multiplied by the Base Policy Specified Amount, when a payment is requested under the Accelerated Death Benefit Rider. Policy owners do not receive the unadjusted amount because it does not include risk charges and adjustments made due to the premature payment of the Base Policy
Specified Amount. |
Valuation
Period – The period during which
Nationwide determines the change in the value of the Sub-Accounts.
One Valuation Period ends and another begins as of the close of regular trading on the New
York Stock Exchange. |
Variable Account – Nationwide VL Separate Account-G, a separate
account that Nationwide established to hold
policy owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts,
each of which invests in a separate underlying mutual fund. |
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FEES AND EXPENSES | |||
Charges for Early
Withdrawals |
Surrender Charge – For up to 10 years from the Policy Date, or effective date
of any Base Policy Specified Amount increase, a surrender charge is deducted if the policy is
surrendered, Lapses, or there is a requested decrease of the Base Policy Specified Amount (see Surrender Charge). This charge will vary based upon the individual
characteristics of the Insured. The maximum surrender charge is $50.91
per $1,000 of Specified Amount, or 5.091% of the Specified Amount. For
example, for a policy with a $100,000 Base Policy Specified Amount, a complete surrender could result in a surrender
charge of $5,091.
Partial Surrender Fee – Deducted from the partial surrender amount requested
(see Partial Surrender Fee). Currently, Nationwide waives the Partial Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial
Surrender Fee assessed to each surrender will not exceed the lesser of
$25 or 2% of the amount surrendered. | ||
Transaction Charges |
The policy owner may also be charged for other transactions as follows:
• Sales Load Charge – Deducted from each Premium payment applied to a policy. • Premium Taxes Charge – Deducted from each Premium payment applied to a policy.
• Illustration Charge – Upon requesting an illustration. • Rider Charges – One time rider charges for certain benefits,
deducted upon invoking the rider.
See Standard Policy Charges and Policy Riders and Rider Charges. | ||
Ongoing Fees and
Expenses (periodic
charges) |
In addition to surrender charges and transaction charges, an investment in the
policy is subject to certain ongoing fees and expenses, including fees
and expenses covering the cost of insurance under the policy and the
cost of optional benefits available under the policy, and such fees
and expenses are set based on characteristics of the Insured (e.g.,
age, sex, and rating classification), see Standard Policy Charges and Policy Riders and Rider Charges. Please refer to the Policy Data Pages of your policy
for rates applicable to the policy. | ||
A policy owner will also bear expenses associated with the underlying mutual funds
under the policy, as shown in the following table: | |||
Annual Fee |
Minimum |
Maximum | |
Investment options (underlying mutual fund fees
and expenses) |
0.11%1 |
4.26%1 | |
|
1 As a percentage of underlying mutual fund
assets. |
RISKS | |
Risk of Loss |
Policy owners of variable life insurance can lose money by investing in the policy,
including loss of principal (see Principal Risks). |
Not a Short-Term
Investment |
The policy is not a short-term investment and is not appropriate for an investor who
needs ready access to cash (see Principal Risks).
A surrender charge may apply (see Surrender Charge). In addition, taking policy loans
may increase the risk of Lapse and may result in adverse tax consequences (see
Policy Loans). |
Risks Associated with
Investment Options |
• Investment in this policy is subject to the risk of poor investment
performance of the investment options chosen by the policy
owner. • Each investment option and each general account option will have its own unique risks.
• Review the prospectuses and disclosures for the investment options before making an
investment decision.
• Investment Experience of the policy can vary depending on the available policy
investment options selected by the Policy Owner.
See Principal Risks. |
RISKS | |
Insurance Company Risks |
Investment in the policy is subject to the risks associated with Nationwide, including that
any obligations (including under any general account options), guarantees, or
benefits are subject to the claims-paying ability of Nationwide. More information about Nationwide,
including its financial strength ratings, is available by contacting the Service Center (see
Principal Risks). |
Policy Lapse |
The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the
monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by
unfavorable Investment Experience, policy loans, partial surrenders and the
deduction of policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is
no separate additional charge associated with reinstating a Lapsed policy. The
Death Benefit will not be paid if the policy has Lapsed.
For more information, see Principal Risks and Lapse. |
RESTRICTIONS | |
Investments |
• Nationwide may restrict the form in which Sub-Account transfer requests will be
accepted (see Sub-Account Transfers).
• Nationwide may limit the frequency and dollar amount of transfers involving the fixed
interest options (see Fixed Interest Options Transfers).
• Nationwide reserves the right to add, remove, and substitute investment options
available under the policy (see Addition, Deletion, or Substitution of Mutual Funds).
|
Optional Benefits |
• Certain optional benefits may be subject to availability, eligibility, and/or invocation
requirements. Availability of certain optional benefits may be subject to Nationwide’s
underwriting approval for the optional benefit.
• Policy loans are not permitted while benefits are being paid under certain optional
benefits.
• Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new policies and will not impact
any policies already In Force.
For more information, see Policy Riders and Rider Charges. |
TAXES | |
Tax Implications |
• Consult with a tax professional to determine the tax implications of an investment in and
payments received under this policy.
• Earnings on the policy are generally not taxable to the policy owner, unless withdrawn
from the policy. Partial and full surrenders from the policy will be subject to
ordinary income tax and may be subject to a tax
penalty. For more information, see Taxes. |
CONFLICTS OF INTEREST | |
Investment Professional
Compensation |
Some financial professionals receive compensation for selling the policy.
Compensation can take the form of commission and other indirect
compensation in that Nationwide may
share the revenue it earns on this policy with the financial professional’s
firm. This conflict of interest may influence a financial
professional, as these financial professionals may have a financial
incentive to offer or recommend this policy over another investment (see A
Note on Charges). |
Exchanges |
Some financial professionals may have a financial incentive to offer an investor a new
policy in place of the one he/she already owns. An investor should only exchange
his/her policy if he/she determines, after comparing the features,
fees, and risks of both policies, that it is preferable for him/her to
purchase the new policy, rather than to continue to own the existing
one (see Exchanging the Policy for Another Life Insurance Policy). |
Transaction Fees | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Sales Load |
Upon making a Premium
payment |
Maximum:
$25 from each $1,000 of
Premium |
Currently:
$25 from each $1,000 of
Premium |
Premium Taxes |
Upon making a Premium
payment |
Maximum:
$35 from each $1,000 of
Premium |
Currently:
$35 from each $1,000 of
Premium |
Illustration Charge1 |
Upon requesting an
illustration |
Maximum:
$25 |
Currently:
$0 |
Partial Surrender Fee |
Upon a partial surrender |
Maximum:
lesser of $25 or 2% of
the amount surrendered
from the policy's Cash
Value |
Currently:
$0 |
Surrender Charge2† |
Upon surrender, policy
Lapse, and certain Base
Policy Specified Amount
decreases |
Maximum:
$50.91 per $1,000 of
Base Policy Specified
Amount |
Minimum:
$0.35 per $1,000 of Base
Policy Specified Amount |
Representative: an Issue Age 35 male
preferred non-tobacco with a Base Policy
Specified Amount and Total Specified
Amount of $500,000, Death Benefit
Option 1; and a complete surrender of the
policy in the first year |
Upon surrender or Lapse
of the Policy |
$12.12 per $1,000 of Base Policy Specified Amount
from the policy's Cash Value | |
Overloan Lapse Protection Rider
Charge† |
Upon invoking the Rider |
Maximum:
$42.50 per $1,000 of
Cash Value |
Minimum:
$1.50 per $1,000 of Cash
Value |
Representative: an Attained Age 85
Insured with a Cash Value of $500,000 |
Upon invoking the Rider |
$32 per $1,000 of Cash Value | |
Accelerated Death Benefit Rider
Charge3†
|
| ||
Administrative Expense Charge |
Upon invoking the Rider |
Maximum:
$250.00 |
Currently:
$250.00 |
Rider Charge |
Upon invoking the Rider |
Maximum:
$200 per $1,000 of
Unadjusted Accelerated
Death Benefit Payment |
Minimum: $30 per $1,000 of
Unadjusted Accelerated
Death Benefit Payment |
Transaction Fees | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Representative: an Insured of any age or
sex, an assumed life expectancy of 1 year,
an assumed interest rate of 5% and a risk
charge of 5%. |
Upon invoking the Rider |
$100 per $1,000 of Unadjusted Accelerated Death Benefit Payment |
Periodic Charges Other than Annual Underlying Mutual Fund
Expenses | |||
Base Contract Charges | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Cost of Insurance Charge† |
Monthly |
Maximum:
$83.34 per $1,000 of Net
Amount At Risk |
Minimum:
$0.00 per $1,000 of Net
Amount At Risk |
Representative: an Issue Age 35 male
preferred non-tobacco with a Base Policy
Specified Amount and Total Specified
Amount of $500,000, Death Benefit
Option 1, and policy year one |
Monthly |
$0.03 per $1,000 of Net Amount At Risk | |
Flat Extra Charge1 |
Monthly |
Maximum:
$2.08 per $1,000 of Net Amount At Risk for each Flat
Extra assessed | |
Mortality and Expense Risk Charge |
Monthly |
Maximum:
$0.25 per $1,000 of
Cash Value allocated to
the Sub-Accounts for all
policy years |
Currently:
$0.00 per $1,000 of Cash
Value allocated to the
Sub-Accounts for all
policy years |
Administrative Per Policy Charge |
Monthly |
Maximum:
$25.00 per policy |
Currently:
$25.00 per policy |
Underwriting
and Distribution Charge† |
Monthly |
Maximum:
$1.18 per $1,000 of
Base Policy Specified
Amount |
Minimum:
$0.02 per $1,000 of Base
Policy Specified Amount |
Representative: an Issue Age of 35, in the
first policy year, male preferred non-
tobacco with a Base Policy Specified
Amount of $500,000, and Death Benefit
Option 1 |
Monthly |
$0.20 per $1,000 of Base Policy Specified Amount |
Base Contract Charges | |||
Policy Loan Interest Charge2 |
Annually
and at the time of certain
events and transactions |
Maximum:
3.90% of Indebtedness |
Currently:
3.90% of Indebtedness |
Optional Benefit Charges | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Adjusted Sales Load Life Insurance
Rider Charge |
Monthly |
Maximum for each 1% of Premium Load
replaced: $0.14 for each $1,000 of
aggregate Premiums |
Currently for each 1% of Premium Load
replaced: $0.14 for each $1,000 of aggregate
Premiums |
Children's Term Insurance Rider
Charge |
Monthly |
Maximum:
$0.43 per $1,000 of
Children’s Term
Insurance Rider
Specified Amount |
Currently:
$0.43 per $1,000 of
Children’s Term Insurance
Rider Specified Amount |
Long-Term Care Rider Charge† |
Monthly |
Maximum:
$28.65 per $1,000 of
Long-Term Care Rider
Net Amount At Risk |
Minimum:
$0.00 per $1,000 of
Long-Term Care Rider
Net Amount At Risk |
Representative: an Attained Age 35 male
preferred non-tobacco |
Monthly |
$0.02 per $1,000 of Long-Term Care Rider Net
Amount At Risk | |
Spouse Life Insurance Rider Charge† |
Monthly |
Maximum:
$10.23 per $1,000 of
Spouse Life Insurance
Rider Specified Amount |
Minimum:
$0.10 per $1,000 of
Spouse Life Insurance
Rider Specified Amount |
Representative Spouse: an
Attained Age 35 female non-
tobacco with a Spouse Life
Insurance Rider Specified
Amount of $100,000 |
Monthly |
$0.11 per $1,000 of Spouse Life Insurance Rider
Specified
Amount | |
Accidental Death Benefit Rider Charge† |
Monthly |
Maximum:
$0.75 per $1,000of
Accidental Death Benefit
Rider Specified Amount |
Minimum:
$0.05 per $1,000 of
Accidental Death Benefit
Rider Specified Amount |
Representative: an Attained
Age 35 male preferred non-
tobacco with an Accidental
Death Benefit Rider Specified
Amount of $100,000 |
Monthly |
$0.06 per $1,000 of Accidental Death Benefit Rider
Specified
Amount | |
Premium Waiver Rider Charge† |
Monthly |
Maximum:
$315 per $1,000 of
Premium Specified by
the Policy Owner |
Minimum:
$42 per $1,000 of
Premium Specified by the
Policy Owner |
Representative: an Attained
Age 35 male preferred non-
tobacco |
Monthly |
$42 per $1,000 of Premium Waiver Benefit | |
Additional Term Insurance Rider
Charge† |
Monthly |
Maximum:
$83.34 per $1,000 of Rider Death
Benefit |
Minimum: $0.02 per $1,000
of Rider Death Benefit |
Optional Benefit Charges | |||
Representative: an Issue Age
35, in the first policy year, male
preferred non-tobacco with a
Rider Specified Amount of
$250,000 and a Total Specified
Amount of $500,000 |
Monthly |
$0.03 per $1,000 of Rider Death Benefit | |
Waiver of Monthly Deductions Rider
Charge† |
Monthly |
Maximum:
$855 per $1,000 of Waiver of
Monthly Deduction Benefit |
Minimum:
$85 per $1,000 of Waiver of Monthly
Deduction Benefit |
Representative: an Attained
Age 35 male preferred non-
tobacco with a Total Specified
Amount of $500,000 and Death
Benefit Option 1 |
Monthly |
$85 per $1,000 of Waiver of Monthly Deduction Benefit |
Annual Underlying Mutual Fund Expenses | ||
|
Minimum |
Maximum |
(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses, as a percentage of average underlying mutual fund net
assets.) |
0.11% |
4.26% |
Trading Behavior |
Nationwide's Response |
Six or more transfer events within
one calendar quarter |
Nationwide will mail a letter to the Policy Owner notifying them that:
(1)they have been identified as engaging in harmful trading practices; and (2)if their transfer events total 11 within two consecutive calendar quarters or 20 within one
calendar year, the Policy Owner will be limited to submitting transfer requests via
U.S. mail. |
11 transfer events within two
consecutive calendar quarters
OR
20 transfer events within one
calendar year |
Nationwide will automatically limit the Policy Owner to submitting transfer requests via U.S.
mail. |
Issue Age |
Persistency credit eligibility
begins on policy anniversary |
25
and younger |
20 |
26 |
19 |
27 |
18 |
28 |
17 |
29 |
16 |
30 |
15 |
31 |
14 |
32 |
13 |
33 |
12 |
34 |
11 |
35
and older |
10 |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Guaranteed Policy
Continuation |
During the Death
Benefit Guarantee
Period, the policy will
not Lapse if premium
requirements are
satisfied |
Standard |
• The Monthly Death Benefit Guarantee Premium can change due to action by the policy owner • When the Death Benefit Guarantee Period ends,
the policy may be at risk of Lapse
See Guaranteed Policy Continuation Provision |
Dollar Cost Averaging |
Long-term transfer
program involving
automatic transfer of
assets |
Standard |
• Transfers are only permitted from the Fixed Account and a limited number of Sub-Accounts • Transfers may not be directed to the Fixed Account
• Transfers from the Fixed Account must be no more than 1/30th of the Fixed Account value at the time the program is elected • Nationwide may modify, suspend, or discontinue
these programs at any time
• Transfers are only made monthly See Policy Owner Services |
Enhanced Dollar Cost
Averaging |
Long-term transfer
program involving
automatic transfer of
Fixed Account
allocations with higher
interest crediting rate |
Standard |
• Only available at the time of application, and only initial Premium is eligible for the program • Transfers are only permitted from the Fixed Account
• Transfers are only made monthly and only for the first policy year See Policy Owner Services |
Asset Rebalancing |
Automatic reallocation
of assets on a
predetermined
percentage basis |
Standard |
• Assets in the Fixed Account are excluded from the
program
• Rebalances only permitted on a three, six, or 12 month schedule See Policy Owner Services |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Automated Income
Monitor |
Systematic partial
surrender and/or policy
loan program to take an
income stream of
scheduled payments
from the Cash Value |
Standard |
• Only available to policies that are not modified endowment contracts • Policy owners are responsible for monitoring the
policy to prevent Lapse
• Program will terminate upon the occurrence of specified events • Nationwide may modify, suspend, or discontinue the
program at any time
See Policy Owner Services |
Overloan Lapse
Protection Rider |
Prevent the policy from
Lapsing due to
Indebtedness |
Optional |
• No longer available for new issues • Only available for policies for which the guideline
premium/cash value corridor life insurance
qualification test is elected
• Subject to eligibility requirements to invoke the Rider • Election to invoke is irrevocable
• Once invoked, all other Riders terminate (except the Additional Term Insurance Rider, if applicable) • Cash Value will be transferred to the Fixed Account
and may not be transferred out
• No further loans or partial surrenders may be taken from the policy |
Adjusted Sales Load
Life Insurance Rider |
Replacement of all or a
portion of Premium
Load with a monthly
Rider charge |
Optional |
• Only available at the time of application • A Premium Load is assessed on any amount that is
not replaced by the Rider
• The aggregate monthly Rider charges will be greater than the amount Nationwide would have deducted as Premium Load • If the policy terminates within the first 10 policy
years, Nationwide will deduct an amount from the
Cash Surrender Value to compensate for the
Premium Load replaced, but not recovered, as a
Rider charge |
Children’s Term
Insurance Rider |
Provides term life
insurance on the
Insured’s children |
Optional |
• Insurance coverage for each insured child
continues until the earlier: (1) the policy anniversary
on or next following the date the Insured’s child
turns age 22, or (2) the policy anniversary on which
the Insured reaches Attained Age 65
• Provides a conversion right, subject to limitations |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Long-Term Care Rider |
Accelerates a portion of
the Total Specified
Amount for qualified
long-term care services |
Optional |
• Underwriting requirements for the Rider are separate and distinct from the policy, and the Rider does not provide benefits for certain conditions or events • If purchased six months or more after the Policy
Date, new evidence of insurability is required
• Long-Term Care Specified Amount must be at least 10% of the Total Specified Amount and no more than 100% of the Total Specified Amount • Subject to maximum monthly benefit
• Subject to eligibility requirements to invoke the Rider • Subject to an elimination period, a 90-day waiting
period, before benefits are paid
• Written notice of claim is required • Benefit associated with the Rider may not cover all
long-term care costs incurred
• While benefit is being paid no loans or partial surrenders may be taken from the policy |
Spouse Life Insurance
Rider |
Death benefit payable
upon death of the
Insured Spouse |
Optional |
• Insured must be between Attained Age 21 and 59 when the Rider is elected • Insured Spouse must be between Attained Age 18
and 69 when the Rider is elected
• Provides a conversion right, subject to limitations |
Accelerated Death
Benefit Rider |
Provides a one-time
terminal illness benefit
payment |
Optional |
• The Rider only applies to the Insured under the base policy • Invoking the Rider is subject to eligibility
requirements
• Requested Percentage must not exceed 50% of the Base Policy Specified Amount • Amount of the accelerated death benefit payment
must be at least $10,000 and cannot exceed
$250,000
• The minimum Base Policy Specified Amount for the policy must still be met after processing the acceleration request • Timing restrictions on coverage may apply
• Receipt of accelerated death benefits may be taxable and may adversely impact eligibility for other government benefits • The value of the benefit may be reduced by
benefits paid under other Riders |
Accidental Death
Benefit Rider |
Payment of a benefit in
addition to the Death
Benefit upon the
Insured’s accidental
death |
Optional |
• Subject to eligibility requirements for accidental
death
• May be purchased on or after the policy anniversary on which Insured reaches Attained Age 5 and before the policy anniversary on which Insured reaches Attained Age 65 • Coverage continues until Insured reaches Attained
Age 70 |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Premium Waiver Rider |
Provides a monthly
credit to the policy upon
the Insured’s total
disability |
Optional |
• May be purchased on or after the policy anniversary on which Insured reaches Attained Age 21 and before the policy anniversary on which Insured reaches Attained Age 59 • Monthly credit applied may not be sufficient to keep
the policy from Lapsing
• Cannot be elected if the Waiver of Monthly Deductions Rider is elected • If the Insured is younger than age 63 at the time of
the total disability, coverage continues until age 65
• If the Insured is age 63 or older at the time of the total disability, coverage may continue for two years |
Change of Insured
Rider |
Allows policy owner to
change the Insured |
Optional |
• Policy owner must be an employer and the Insured an owner or employee • At the time of the change, the new Insured must
have the same business relationship to the policy
owner as did the previous Insured
• The new Insured must have been at least 18 on the Policy Date • The new Insured must satisfy Nationwide’s
underwriting requirements and may be required to
submit satisfactory evidence of insurability
• The policy must be In Force and not be in a Grace Period when the request is made and at the time of the change (the "change date") • New two-year suicide and contestability periods will
apply to the policy |
Additional Term
Insurance Rider |
Provides term life
insurance on the
Insured, in addition to
that under the base
policy |
Optional |
• Available for post-issue election until the Insured reaches Attained Age 85 • If purchase after the Policy Date, evidence of
insurability is required |
Waiver of Monthly
Deductions Rider |
Waiver of policy
charges if the Insured
becomes totally
disabled |
Optional |
• May be purchased on or after the policy
anniversary on which Insured reaches Attained Age
21 and before the policy anniversary on which
Insured reaches Attained Age 59
• Monthly charges will not be waived until the Insured has been disabled for six consecutive months • Benefit alone may not be sufficient to keep the
policy from Lapsing
• Cannot be elected if the Premium Waiver Rider is elected • If disability began before Attained Age 60, the
benefit may continue for as long as the disability
• If disability began between Attained Age 60 and 63, the benefit may continue until Attained Age 65 • If the Insured’s total disability begins after Attained
Age 63, the benefit may continue for two years |
Policy year calculated from the Policy Date or effective date of Base Policy Specified Amount Increase: |
Surrender Charge, as a percentage of the initial Surrender Charge: | |
Issue Ages 0-49 |
Issue Ages 50+ | |
1 |
100
% |
100
% |
2 |
100
% |
100
% |
3 |
100
% |
95.0
% |
4 |
100
% |
95.0
% |
5 |
95.0
% |
80.0
% |
6 |
85.0
% |
65.0
% |
7 |
70.0
% |
60.0
% |
8 |
52.0
% |
45.0
% |
9 |
30.0
% |
30.0
% |
10 |
8.3
% |
8.3
% |
11
and thereafter |
0.0
% |
0.0
% |
Example: |
Assume a policy is currently In Force and the following: |
• Insured’s Attained Age is 75 |
• Policy is in its 27th policy year |
• Death Benefit Option 1 |
• Total Specified Amount: $700,000 |
• Indebtedness: $627,000 |
• Cash Value: $660,000 |
• Applicable age-based factor for determining rider charge:
4.60%* |
* Rate is subject to change based on policy |
Using the above assumptions, a decision to invoke the Rider would impact the policy as
follows: |
(1) The death benefit option will remain at Death Benefit Option 1. |
(2) The one-time charge for invoking the Rider will be $30,360 ($660,000 x 4.60%) and will
be deducted from the Cash Value, reducing the Cash Value to $629,640.
|
(3) The Total Specified Amount will remain at $700,000 since it is less than the Minimum
Required Death Benefit of $712,611.90. |
(4) The non-loaned Cash Value $2,640 ($629,640 - $627,000) will be transferred to the
Fixed Account where it will earn at least the minimum guaranteed fixed interest
rate. |
(5) The policy loan account ($627,000) will continue to earn interest at the policy's loan
crediting rate. |
(6) The Indebtedness ($627,000) will continue to grow at the policy's loan interest charged
rate. |
(7) After this Rider is invoked, no other changes to the policy can be made |
Example: |
Assume the policy owner anticipated making Premium payments for five years. Therefore,
the policy owner could expect to have the Rider charge assessed for 14 years (nine
years plus five years). However, the policy owner actually makes the last
Premium payment in policy year three and does not make any additional
Premium payments. Since the policy owner did not get full "use" of the
Rider (the policy owner only received three years worth of Premium Load
replacement), the Rider charge will only be assessed for 12 policy years
(nine years plus the three years' worth of benefit received). |
Policy Year |
Percentage |
1 |
100
% |
2 |
90
% |
3 |
80
% |
4 |
70
% |
5 |
60
% |
6 |
50
% |
7 |
40
% |
8 |
30
% |
9 |
20
% |
10 |
10
% |
11
and later |
0
% |
Example: |
Assume the policy owner elected to replace the Premium Load for seven years. During the
fifth policy year, the policy owner terminates the policy. During the five years the
policy was In Force, $10,000 of Premium was paid. The amount of Premium
Load that the Rider replaced is $400 ($40 for each $1,000 of Premium).
Therefore, Nationwide will deduct $240 (60% of $400) from the
policy’s Cash Surrender Value. |
Example: |
Assume the Children’s Term Insurance Rider Specified Amount is $15,000 and the Insured
has two children that meet the definition of insured child and the Rider is In Force.
If one of the children dies, $15,000 will be paid to the named
beneficiary. The rider would continue to remain in effect as long the
second child meets the definition of insured child. Upon the death of the
second insured child, an additional $15,000 would be paid to the named
beneficiary as long as coverage under the Rider has not otherwise
terminated. |
Example: |
Assume the Long-Term Care Specified Amount is $500,000. If the invocation requirements
below are satisfied and the 90-day elimination period has been satisfied, the Owner can
choose a monthly benefit up to 2% of the Long-Term Care Specified Amount
($10,000). If there is no Indebtedness, this monthly benefit will be paid
until either the Insured no longer meets the eligibility requirements or
the entire $500,000 has been paid. If there is Indebtedness, monthly
benefits will end when the accumulated benefits become greater than or
equal to the Long-Term Care Specified Amount minus Indebtedness. |
Example: |
Assume wife (the Insured) purchased a policy and elected the Spouse Life Insurance Rider
with a Spouse Life Insurance Rider Specified Amount of $50,000 and named husband as
the Insured Spouse. Both the Insured and Insured Spouse met the age
requirements for the Rider at the time of election. If Insured Spouse
dies prior to reaching Attained Age 70 and the Rider has not otherwise
terminated, a death benefit in the amount of $50,000 is payable to the
designated beneficiary. |
ADB |
= |
[RP (SA)] – [RC + (RP x OPL) + UP + AEC] |
Where: |
| |
ADB |
= |
Accelerated Death Benefit |
RP |
= |
Requested Percentage |
SA |
= |
Base Policy Specified Amount at the time the benefit is calculated |
RC |
= |
Rider charge |
OPL |
= |
outstanding policy loans on the date the benefit is calculated |
UP |
= |
any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a
Grace Period on the date the benefit is calculated |
AEC |
= |
Administrative Expense Charge |
Example: | ||
Assume the Base Policy Specified Amount is $100,000, the Cash Value (CV) is $42,000,
and the Requested Percentage (RP) of the Base Policy Specified Amount is 50%. Also
assume Indebtedness in the amount of $10,000, unpaid Premium of $500, an
aggregate Rider charge of $3,500, and an Administrative Expense Charge of
$250. | ||
Using the above assumptions, here is how the Accelerated Death Benefit (ADB) would be
calculated. | ||
ADB |
= |
[50% x $100,000)] – [$3,500 + (50% x $10,000) + $500 + $250] |
ADB |
= |
[$50,000] – [$3,500 + $5,000 + $500 + $250] |
ADB |
= |
[$50,000] – [$9,250] |
ADB |
= |
$40,750 |
| ||
The reduction factor for calculating the remaining Base Policy Specified Amount and Cash
Value is calculated as (1 – RP). (1 - .5) = .5 | ||
| ||
.5 x $100,000 = $50,000 the remaining Base Policy Specified Amount | ||
.5 x $42,000 = $21,000 the remaining Cash Value | ||
|
Example: |
Assume the policy is issued with a Base Policy Specified Amount of $500,000, an
Accidental Death Benefit Rider Specified Amount of $100,000, and Death Benefit Option
1. If the Insured dies by accident as defined above prior to reaching
Attained Age 70, the total death benefit paid to the beneficiary would be
$600,000, as long as the Rider has not otherwise terminated.
|
Example: |
Assume the policy is currently In Force, the Rider is not otherwise terminated, and the
following: |
• The Insured has been totally disabled for six consecutive
months; |
• At the time of disability, the policy was in its 8th policy year and the
Insured’s Attained Age was 59; |
• The Premium Waiver Rider Specified Premium is $700; and
|
• The Premiums paid over the 36 months prior to disability totaled
$24,120. |
Since the average monthly Premium paid over the 36 months prior to the disability was
$670 ($24,120 divided by 36), $670 will be credited to the policy’s Cash Value on
each Policy Monthaversary only until the Insured reaches Attained Age 65,
or until the Insured is no longer disabled, if earlier.
|
Example: |
Assume the following: |
• The policy owner is Company X; |
• The Insured at the time of policy issue was an executive officer of
Company X; |
• The Insured retires while the policy is In Force and not in a Grace
Period; |
• Company X applies to change the Insured to its new executive
officer; |
• The new executive officer meets Nationwide’s insurability and
underwriting requirements; and |
• Benefits under the Extended Death Benefit Guarantee Rider have not
begun. |
Coverage of the new Insured shall become effective on the date the Insured is changed,
and the policy charges will reflect the new Insured’s Attained Age, rate type and
rate classification. The Death Benefit Proceeds will be paid out after
the death of the new Insured. |
Example: |
Assume the Base Policy Specified Amount is $500,000, Death Benefit Option 2, the Cash
Value is $40,000 and the Additional Term Insurance Rider Specified Amount is $300,000.
Upon the death of the Insured, if there is no Indebtedness and no
Long-Term Care benefits have been paid, the Death Benefit Proceeds under
the base policy will be $540,000 and the Additional Term Insurance Death
Benefit Proceeds will be $300,000, for a total of $840,000. |
Example: |
Assume the following: |
• The Waiver of Monthly Deductions Rider is elected and the Premium Waiver
Rider has not been purchased;
• The Insured has been totally disabled for six consecutive months and the Insured’s
disability is not a result of a risk not assumed; and
• At the time of disability, the Insured’s Attained Age was 57. The policy’s monthly deductions will be waived (not deducted from the Cash Value) until the
Insured is no longer disabled, or until the Waiver of Monthly Deductions Rider is
terminated. |
Example: |
Policy Owner elects to participate in Dollar Cost Averaging and has transferred $30,000 to
the Fixed Account, which will serve as the source investment option for her Dollar Cost
Averaging program. She would like the Dollar Cost Averaging transfers to
be allocated as follows: $1,500 to Sub-Account L and $1,000 to
Sub-Account M. Each month, Nationwide will automatically transfer $2,500
from the Fixed Account and allocate $1,000 to Sub- Account M and $1,500 to
Sub-Account L until the Fixed Account is depleted. |
Beginning of Month |
Fraction of Cash Value
Transferred |
2 |
1/11 |
3 |
1/10 |
4 |
1/9 |
5 |
1/8 |
6 |
1/7 |
7 |
1/6 |
8 |
1/5 |
9 |
1/4 |
10 |
1/3 |
11 |
1/2 |
12 |
Remaining
Amount |
Example: |
At the time of application, the Policy Owner elects to participate in Enhanced Dollar Cost
Averaging and submits an initial Premium of $25,000 to be allocated to the Fixed
Account, which will receive an enhanced interest crediting rate. He would
like the Enhanced Dollar Cost Averaging transfers to be allocated as
follows: 40% to Sub-Account L and 60% to Sub- Account M. Each month,
Nationwide will automatically transfer Cash Value to the selected
Sub-Accounts based on the schedule above (1/11 of the Cash Value will be transferred at
the beginning of month 2; 1/10 of the Cash Value will be transferred at
the beginning of month 3; etc.). |
Example: |
Policy Owner elects to participate in Asset Rebalancing and has instructed his Cash Value
be allocated as follows and rebalanced on a quarterly basis: 40% to Sub-Account A, 40%
to Sub-Account B, and 20% to Sub-Account C. Each quarter, Nationwide will
automatically rebalance Policy Owner’s Cash Value by transferring
Cash Value among the three elected Sub-Accounts so that his 40%/40%/20%
allocation remains intact. |
Example: |
Assume: |
• Insured’s Issue Age was 45. |
• Policy owner paid Premiums totaling $490,000 during the first 25 policy
years. |
• Just prior to policy year 26 (Attained Age 70) the policy’s Cash
Value is just over $1,000,000 and the Investment in the Contract is
$490,000. |
• The policy owner completes an Automated Income Monitor election form and
chooses a 5% gross rate of return, a goal of $100,000 Cash Surrender
Value at Attained Age 95 and the Fixed Duration option for 25
years. |
• The first AIM In Force illustration is run that solves for an annual
income amount at an assumed 5% gross rate of return and a goal of at
least $100,000 of Cash Surrender Value at Attained Age 95. The result
of the solve is an annual income amount of $66,720. |
A partial surrender of $66,720 will be processed and sent to the policy owner. Each year
thereafter, if the Automated Income Monitor program has not been terminated, another
illustration will be run with the same assumptions and income solve. The
appropriate partial surrender amount based on each solve will be
processed. This will continue until the entire $490,000 Investment in the
Contract has been distributed through partial surrenders, then the income
amounts will be processed as loans. |
Example: |
Assume the following: |
• The policy’s Cash Value is $43,000 and it is allocated entirely to
the Sub-Accounts. |
• There is no existing Indebtedness. |
• The Policy Owner has requested a $6,000 policy loan at the beginning of
the first Policy Year. |
*For reference, the maximum policy loan would be $38,700 = $43,000 x 90% - $0.00
(Indebtedness) |
Once the $6,000 loan is approved, $6,000 is paid directly to the Policy Owner from
Nationwide. $6,000 is transferred from the Sub-Accounts to the policy loan account.
This serves as collateral for Nationwide. The policy’s Indebtedness
on the day of the loan is $6,000. |
• At the end of the first Policy Year, assume the only loan the Policy Owner
requested was the $6,000 loan. Assuming the Policy Owner has not made
any loan repayments, the Indebtedness at the end of the next occurring
policy anniversary is $6,120 due to $120 of accrued loan interest
during the year ($6,000 + $120 = $6,120). Should a claim for the Death
Benefit Proceeds be made, the Proceeds would be reduced by the $6,120
Indebtedness. |
• Assuming no loan repayments are ever made, Indebtedness continues to
accrue interest. All unpaid loan interest will also be treated as new
policy loans and loan interest will continue to accumulate as
Indebtedness |
• If the Policy Owner submits a loan repayment, the amount of the loan
repayment will be transferred from the policy loan account and credited
to the Cash Value. |
• If any Indebtedness exists when the Surrender Proceeds or Death Benefit
Proceeds become payable, the Proceeds will be reduced by the total
Indebtedness. |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Discovery Value Portfolio: Class A
Investment Advisor: AllianceBernstein L.P. |
0.81% |
17.18% |
10.78% |
7.55% |
Allocation |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Dynamic Asset Allocation Portfolio: Class
A This Sub-Account is only available in policies issued before May 1,
2014
Investment Advisor: AllianceBernstein L.P. |
0.85%* |
13.70% |
4.29% |
3.47% |
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
International Value Portfolio: Class B
This Sub-Account is only available in policies issued before May 1,
2020
Investment Advisor: AllianceBernstein L.P. |
1.15% |
14.83% |
5.55% |
1.83% |
Equity |
AllianceBernstein Variable Products Series Fund, Inc. - AB VPS
Sustainable Global Thematic Portfolio: Class B
(formerly, AllianceBernstein Variable Products
Series Fund, Inc. - AB VPS Sustainable Global
Thematic Growth Portfolio: Class B) Investment Advisor:
AllianceBernstein L.P. |
1.17%* |
15.70% |
13.27% |
9.33% |
Equity |
Allspring Variable Trust - VT Small Cap Growth Fund: Class
2 This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Allspring Funds Management, LLC
Sub-Advisor: Allspring Global Investments, LLC |
1.17% |
4.11% |
7.68% |
6.60% |
Equity |
American Funds Insurance Series® - Global Small
Capitalization Fund: Class 4
Investment Advisor: Capital Research and Management Company |
1.16%* |
15.79% |
8.03% |
5.51% |
Fixed Income |
American Funds Insurance Series® - U.S. Government
Securities Fund: Class 2
Investment Advisor: Capital Research and Management Company |
0.49%* |
2.89% |
1.04% |
1.52% |
Equity |
American Funds Insurance Series® - Washington Mutual
Investors Fund: Class 4
Investment Advisor: Capital Research and Management Company |
0.75%* |
16.97% |
12.33% |
9.64% |
Fixed Income |
BlackRock Variable Series Funds II, Inc. - BlackRock High Yield
V.I. Fund: Class I
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited |
0.56%* |
13.21% |
5.75% |
4.46% |
Allocation |
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class I
Investment Advisor: BlackRock Advisors, LLC
Investment Sub-Advisor: BlackRock International Limited and
BlackRock (Singapore) Limited |
0.76%* |
12.83% |
7.65% |
4.88% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
BlackRock Variable Series Funds, Inc. - BlackRock Global
Allocation V.I. Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: BlackRock Advisors, LLC
Sub-Advisor: BlackRock International Limited and BlackRock
(Singapore) Limited |
0.92%* |
12.60% |
7.49% |
4.72% |
Equity |
BNY Mellon Investment Portfolios - Small Cap Stock Index
Portfolio: Service Shares
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: BNY Mellon Investment Adviser, Inc. |
0.60%* |
15.39% |
10.40% |
8.04% |
Equity |
BNY Mellon Stock Index Fund, Inc.: Initial Shares
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: BNY Mellon Investment Adviser, Inc.
Sub-Advisor: Mellon Investments Corporation |
0.27% |
25.93% |
15.38% |
11.75% |
Equity |
Delaware VIP Trust - Macquarie VIP Small Cap Value Series:
Service Class (formerly, Delaware VIP Trust -
Delaware VIP Small Cap Value Series: Service
Class) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.08% |
9.10% |
9.87% |
6.77% |
Allocation |
Deutsche DWS Variable Series II - DWS Global Income Builder
VIP: Class A
Investment Advisor: DWS Investment Management Americas, Inc. |
0.66% |
14.89% |
7.12% |
5.19% |
Fixed Income |
DFA Investment Dimensions Group Inc. - VA Global Bond
Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Investment Sub-Advisor: Dimensional Fund Advisors Ltd., DFA
Australia Limited |
0.21% |
5.05% |
0.58% |
1.29% |
Allocation |
DFA Investment Dimensions Group Inc. - VA Global Moderate
Allocation Portfolio: Institutional
Class Investment Advisor: Dimensional Fund Advisors LP
|
0.28%* |
14.72% |
8.93% |
6.07% |
Equity |
DFA Investment Dimensions Group Inc. - VA International Small
Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Investment Sub-Advisor: Dimensional Fund Advisors Ltd., DFA
Australia Limited |
0.40% |
14.11% |
7.86% |
4.89% |
Equity |
DFA Investment Dimensions Group Inc. - VA International Value
Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Investment Sub-Advisor: Dimensional Fund Advisors Ltd., DFA
Australia Limited |
0.27% |
17.86% |
8.87% |
4.16% |
Fixed Income |
DFA Investment Dimensions Group Inc. - VA Short-Term Fixed
Portfolio
Investment Advisor: Dimensional Fund Advisors LP
Investment Sub-Advisor: Dimensional Fund Advisors Ltd., DFA
Australia Limited |
0.12% |
4.98% |
1.33% |
1.05% |
Equity |
DFA Investment Dimensions Group Inc. - VA U.S. Large Value
Portfolio
Investment Advisor: Dimensional Fund Advisors LP |
0.21% |
10.92% |
10.71% |
8.10% |
Equity |
DFA Investment Dimensions Group Inc. - VA U.S. Targeted Value
Portfolio
Investment Advisor: Dimensional Fund Advisors LP |
0.29% |
20.03% |
15.40% |
9.00% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Fixed Income |
DFA Investment Dimensions Group Inc. - VIT Inflation-Protected
Securities Portfolio: Institutional
Class Investment Advisor: Dimensional Fund Advisors LP
Investment Sub-Advisor: Dimensional Fund Advisors Ltd., DFA
Australia Limited |
0.11% |
4.02% |
3.10% |
|
Fixed Income |
Federated Hermes Insurance Series - Federated Hermes Quality
Bond Fund II: Primary Shares
This Sub-Account is only available in policies issued before May 1,
2018
Investment Advisor: Federated Investment Management Company |
0.74%* |
6.14% |
2.36% |
2.25% |
Equity |
Fidelity Variable Insurance Products - Emerging Markets
Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR UK, FMR HK, FMR Japan, FIA, and
FIA(UK) |
0.99% |
9.61% |
7.69% |
5.08% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2010 Portfolio: Service Class
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.50% |
9.28% |
5.43% |
4.45% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2020 Portfolio: Service Class
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.57% |
12.34% |
7.38% |
5.63% |
Allocation |
Fidelity Variable Insurance Products Fund - Fidelity VIP Freedom
Fund 2030 Portfolio: Service Class
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Fidelity Management & Research Company LLC
(FMR) |
0.62% |
14.56% |
9.17% |
6.75% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Contrafund®
Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.66% |
33.34% |
16.54% |
11.50% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Energy Portfolio:
Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.86% |
0.70% |
13.36% |
2.37% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Equity-Income
Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.57% |
10.53% |
12.18% |
8.47% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Fidelity Variable Insurance Products Fund - VIP Growth Portfolio:
Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.68% |
36.09% |
19.52% |
14.68% |
Fixed Income |
Fidelity Variable Insurance Products Fund - VIP Investment
Grade Bond Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.48% |
6.12% |
1.87% |
2.24% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Mid Cap
Portfolio: Service Class
This Sub-Account is only available in policies issued before May 1,
2017
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.67% |
15.00% |
12.34% |
8.02% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Overseas
Portfolio: Service Class
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR UK, FMR HK, FMR Japan, FIA, and
FIA(UK) |
0.83% |
20.41% |
9.87% |
4.80% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Real Estate
Portfolio: Service Class
This Sub-Account is only available in policies issued before May 1,
2023
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Sub-Advisor: FMR Investment Management (UK) Limited, Fidelity
Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.70% |
11.09% |
5.12% |
5.93% |
Equity |
Fidelity Variable Insurance Products Fund - VIP Value Strategies
Portfolio: Service Class 2
Investment Advisor: Fidelity Management & Research Company LLC
(FMR)
Investment Sub-Advisor: FMR Investment Management (UK) Limited,
Fidelity Management & Research (Hong Kong) Limited and Fidelity
Management & Research (Japan) Limited |
0.85% |
20.61% |
16.63% |
9.10% |
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Allocation VIP Fund: Class 1
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Franklin Advisers, Inc.
Sub-Advisor: Brandywine Global Investment Management, LLC
(Brandywine); ClearBridge Investments, LLC (ClearBridge); Franklin
Templeton Institutional, LLC (FT Institutional); Templeton Global
Advisors Limited (Global Advisors) |
0.57%* |
14.77% |
7.82% |
5.00% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Allocation VIP Fund: Class 2
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Franklin Advisers, Inc.
Sub-Advisor: Brandywine Global Investment Management, LLC
(Brandywine); ClearBridge Investments, LLC (ClearBridge); Franklin
Templeton Institutional, LLC (FT Institutional); Templeton Global
Advisors Limited (Global Advisors) |
0.82%* |
14.61% |
7.57% |
4.75% |
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Income VIP Fund: Class 1
This Sub-Account is only available in policies issued before May 1,
2022
Investment Advisor: Franklin Advisers, Inc. |
0.46%* |
8.87% |
7.25% |
5.28% |
Allocation |
Franklin Templeton Variable Insurance Products Trust - Franklin
Income VIP Fund: Class 2
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Franklin Advisers, Inc. |
0.71%* |
8.62% |
6.98% |
5.01% |
Equity |
Franklin Templeton Variable Insurance Products Trust - Franklin
Mutual Global Discovery VIP Fund: Class
1 Investment Advisor: Franklin Mutual Advisers, LLC
|
0.90% |
20.55% |
10.43% |
6.24% |
Equity |
Franklin Templeton Variable Insurance Products Trust - Franklin
Small Cap Value VIP Fund: Class 1
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Franklin Mutual Advisers, LLC |
0.66%* |
13.02% |
11.34% |
7.31% |
Equity |
Franklin Templeton Variable Insurance Products Trust - Franklin
Small-Mid Cap Growth VIP Fund: Class 1
Investment Advisor: Franklin Advisers, Inc. |
0.83%* |
27.12% |
13.82% |
9.24% |
Fixed Income |
Franklin Templeton Variable Insurance Products Trust - Franklin
U.S. Government Securities VIP Fund: Class
1 Investment Advisor: Franklin Advisers, Inc. |
0.52% |
4.76% |
0.47% |
0.98% |
Equity |
Franklin Templeton Variable Insurance Products Trust -
Templeton Foreign VIP Fund: Class 2
This Sub-Account is only available in policies issued before April 30,
2014
Investment Advisor: Templeton Investment Counsel, LLC |
1.07%* |
20.76% |
5.27% |
1.28% |
Fixed Income |
Franklin Templeton Variable Insurance Products Trust -
Templeton Global Bond VIP Fund: Class
1 This Sub-Account is only available in policies issued before May 1,
2019
Investment Advisor: Franklin Advisers, Inc. |
0.50%* |
3.19% |
-1.89% |
-0.41% |
Fixed Income |
Franklin Templeton Variable Insurance Products Trust -
Templeton Global Bond VIP Fund: Class
2 This Sub-Account is no longer available to receive transfers or new
premium payments effective April 30, 2014
Investment Advisor: Franklin Advisers, Inc. |
0.75%* |
2.88% |
-2.13% |
-0.66% |
Alternative |
Goldman Sachs Variable Insurance Trust - Goldman Sachs
Multi- Strategy Alternatives Portfolio: Service
Shares Investment Advisor: Goldman Sachs Asset Management,
L.P. |
1.21%* |
7.77% |
4.16% |
|
Allocation |
Goldman Sachs Variable Insurance Trust - Goldman Sachs Trend
Driven Allocation Fund: Service Shares
This Sub-Account is only available in policies issued before May 1,
2014
Investment Advisor: Goldman Sachs Asset Management, L.P. |
0.97%* |
15.57% |
4.81% |
3.41% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Invesco - Invesco V.I. Balanced-Risk Allocation Fund: Series I
Shares
Investment Advisor: Invesco Advisers, Inc. |
0.88%* |
6.63% |
4.90% |
4.03% |
Equity |
Invesco - Invesco V.I. Discovery Mid Cap Growth Fund: Series
I This Sub-Account is only available in policies issued before April
30, 2020
Investment Advisor: Invesco Advisers, Inc. |
0.87% |
13.15% |
12.77% |
9.79% |
Equity |
Invesco - Invesco V.I. Global Fund: Series I
This Sub-Account is only available in policies issued before May 1,
2023
Investment Advisor: Invesco Advisers, Inc. |
0.82% |
34.73% |
12.30% |
8.47% |
Fixed Income |
Invesco - Invesco V.I. Global Strategic Income Fund: Series
I This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Invesco Advisers, Inc. |
0.92%* |
8.88% |
1.30% |
1.50% |
Equity |
Invesco - Invesco V.I. Main Street Mid Cap Fund: Series I
Shares This Sub-Account is only available in policies issued before
May 1, 2013
Investment Advisor: Invesco Advisers, Inc. |
0.94% |
14.47% |
10.61% |
6.73% |
Equity |
Invesco - Invesco V.I. Main Street Small Cap Fund: Series
I Investment Advisor: Invesco Advisers, Inc. |
0.88% |
18.13% |
13.07% |
8.93% |
Equity |
Invesco Oppenheimer V.I. International Growth Fund: Series
I This Sub-Account is only available in policies issued before May 1,
2023
Investment Advisor: Invesco Advisers, Inc. |
1.00%* |
21.06% |
8.72% |
3.80% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Asset Strategy
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Asset Strategy:
Class II) This Sub-Account is only available in policies issued
before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.85%* |
13.90% |
8.27% |
3.48% |
Fixed Income |
Ivy Variable Insurance Portfolios - Macquarie VIP High Income
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy High Income:
Class II) This Sub-Account is only available in policies issued
before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.96% |
11.95% |
4.46% |
3.70% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Mid Cap
Growth Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy Mid
Cap Growth: Class II) This Sub-Account is only available in policies
issued before May 1, 2014
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global Limited |
1.10%* |
19.59% |
14.63% |
10.47% |
Equity |
Janus Aspen Series - Janus Henderson Enterprise Portfolio:
Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.72% |
18.07% |
13.42% |
12.10% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Janus Aspen Series - Janus Henderson Forty Portfolio: Service
Shares
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Janus Henderson Investors US LLC |
0.80% |
39.65% |
16.64% |
13.45% |
Equity |
Janus Aspen Series - Janus Henderson Global Research
Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.86% |
26.47% |
13.05% |
8.74% |
Equity |
Janus Aspen Series - Janus Henderson Global Sustainable
Equity Portfolio: Institutional Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.87%* |
23.32% |
|
|
Equity |
Janus Aspen Series - Janus Henderson Global Technology and
Innovation Portfolio: Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
0.97% |
54.27% |
20.05% |
16.86% |
Equity |
Janus Aspen Series - Janus Henderson Overseas Portfolio:
Service Shares
Investment Advisor: Janus Henderson Investors US LLC |
1.14% |
10.58% |
10.92% |
3.38% |
Equity |
Legg Mason Partners Variable Equity Trust - ClearBridge
Variable Dividend Strategy Portfolio: Class
I Investment Advisor: Franklin Templeton Fund Advisor,
LLC Investment Sub-Advisor: ClearBridge Investments, LLC
|
0.75% |
14.19% |
13.52% |
10.33% |
Equity |
Legg Mason Partners Variable Equity Trust - ClearBridge
Variable Large Cap Growth Portfolio: Class
I Investment Advisor: Franklin Templeton Fund Advisor,
LLC Investment Sub-Advisor: ClearBridge Investments, LLC
|
0.76% |
44.02% |
15.51% |
13.27% |
Fixed Income |
Lincoln Variable Insurance Products Trust - LVIP American
Century Inflation Protection Fund: Service
Class This Sub-Account is no longer available to receive transfers or
new premium payments effective April 26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc. |
0.77%* |
3.40% |
2.65% |
1.90% |
Fixed Income |
Lincoln Variable Insurance Products Trust - LVIP American
Century Inflation Protection Fund: Standard Class
II This Sub-Account is only available in policies issued before April
26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc. |
0.52%* |
3.60% |
2.90% |
2.16% |
Equity |
Lincoln Variable Insurance Products Trust - LVIP American
Century Mid Cap Value Fund: Standard Class
II This Sub-Account is only available in policies issued before April
26, 2024
Investment Advisor: Lincoln Financial Investments Corporation
Sub-Advisor: American Century Investment Management, Inc. |
0.86%* |
6.13% |
11.05% |
8.77% |
Fixed Income |
Lord Abbett Series Fund, Inc. - Total Return Portfolio: Class
VC Investment Advisor: Lord, Abbett & Co. LLC |
0.71% |
6.34% |
1.21% |
1.83% |
Equity |
MFS® Variable Insurance Trust - MFS Mid Cap Growth Series:
Service Class
Investment Advisor: Massachusetts Financial Services Company |
1.05%* |
20.97% |
13.05% |
10.85% |
Equity |
MFS® Variable Insurance Trust - MFS New Discovery Series:
Initial Class
Investment Advisor: Massachusetts Financial Services Company |
0.87%* |
14.41% |
11.08% |
7.67% |
Equity |
MFS® Variable Insurance Trust - MFS Value Series: Initial
Class Investment Advisor: Massachusetts Financial Services
Company |
0.69%* |
7.93% |
11.34% |
8.52% |
Equity |
MFS® Variable Insurance Trust II - MFS International Growth
Portfolio: Initial Class
Investment Advisor: Massachusetts Financial Services Company |
0.88%* |
14.72% |
9.47% |
6.36% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
MFS® Variable Insurance Trust II - MFS International
Intrinsic Value Portfolio: Initial
Class Investment Advisor: Massachusetts Financial Services
Company |
0.89%* |
17.66% |
8.58% |
6.92% |
Equity |
MFS® Variable Insurance Trust II - MFS International
Intrinsic Value Portfolio: Service
Class This Sub-Account is no longer available to receive transfers or
new premium payments effective May 1, 2012
Investment Advisor: Massachusetts Financial Services Company |
1.14%* |
17.37% |
8.31% |
6.66% |
Fixed Income |
MFS® Variable Insurance Trust III - MFS Limited Maturity
Portfolio: Service Class
Investment Advisor: Massachusetts Financial Services Company |
0.70%* |
5.77% |
2.01% |
1.47% |
Equity |
MFS® Variable Insurance Trust III - MFS Mid Cap Value
Portfolio: Initial Class
Investment Advisor: Massachusetts Financial Services Company |
0.79%* |
12.73% |
12.90% |
8.73% |
Equity |
Nationwide Variable Insurance Trust - NVIT Allspring Discovery
Fund: Class I
This Sub-Account is only available in policies issued before May 1,
2023
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Allspring Global Investments, LLC |
0.83%* |
20.58% |
9.62% |
7.61% |
Allocation |
Nationwide Variable Insurance Trust - NVIT American Funds
Asset Allocation Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.93%* |
13.84% |
8.79% |
6.84% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT American Funds
Bond Fund: Class II
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.87%* |
4.50% |
1.49% |
1.69% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds
Global Growth Fund: Class II
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
1.06%* |
22.14% |
13.21% |
9.14% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds
Growth Fund: Class II
This Sub-Account is only available in policies issued before May 1,
2014
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.98%* |
37.95% |
18.22% |
13.91% |
Equity |
Nationwide Variable Insurance Trust - NVIT American Funds
Growth-Income Fund: Class II
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Capital Research and Management Company,
Nationwide Fund Advisors |
0.91%* |
25.68% |
12.93% |
10.49% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Amundi Multi Sector
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Amundi Asset Management, US |
0.80% |
8.70% |
4.89% |
3.75% |
Equity |
Nationwide Variable Insurance Trust - NVIT AQR Large Cap
Defensive Style Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: AQR Capital Management, LLC |
0.78% |
8.27% |
11.51% |
10.11% |
Equity |
Nationwide Variable Insurance Trust - NVIT BlackRock Equity
Dividend Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.80%* |
11.99% |
11.28% |
8.46% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Aggressive Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
1.00%* |
19.74% |
11.29% |
7.38% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Balanced Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
0.86%* |
13.40% |
6.79% |
4.85% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM) Capital
Appreciation Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
0.91%* |
16.45% |
9.01% |
6.19% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Conservative Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
0.77%* |
8.91% |
3.63% |
2.93% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Managed Growth & Income Fund: Class
I Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.82%* |
12.70% |
5.21% |
3.68% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Managed Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.81%* |
12.61% |
6.58% |
4.50% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Moderate Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.88%* |
14.95% |
8.02% |
5.61% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Moderately Aggressive Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
0.95%* |
18.07% |
10.25% |
6.84% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Blueprint(SM)
Moderately Conservative Fund: Class I
Investment Advisor: Nationwide Fund Advisors |
0.82%* |
11.88% |
5.79% |
4.29% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Core
Plus Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Insight North America LLC |
0.63%* |
7.40% |
2.08% |
2.14% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Core Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Newton Investment Management Limited |
0.62%* |
23.88% |
15.51% |
11.84% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class I
This Sub-Account is no longer available to receive transfers or new
premium payments effective September 11, 2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Newton Investment Management Limited |
0.88% |
8.84% |
13.28% |
9.13% |
Equity |
Nationwide Variable Insurance Trust - NVIT BNY Mellon Dynamic
U.S. Equity Income: Class X
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Newton Investment Management Limited |
0.75% |
9.00% |
13.37% |
9.18% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Bond Index Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.38% |
5.19% |
0.72% |
1.45% |
Equity |
Nationwide Variable Insurance Trust - NVIT Calvert Equity Fund:
Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Atlanta Capital Management Company, LLC
|
0.87%* |
20.68% |
10.98% |
8.56% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Nationwide Variable Insurance Trust - NVIT Columbia Overseas
Value Fund: Class I
This Sub-Account is no longer available to receive transfers or new
premium payments effective October 16, 2020
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Columbia Management Investment Advisers, LLC |
1.02% |
15.56% |
7.25% |
2.74% |
Equity |
Nationwide Variable Insurance Trust - NVIT Columbia Overseas
Value Fund: Class X
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Columbia Management Investment Advisers,
LLC |
0.88% |
15.67% |
7.33% |
2.78% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Core Bond Fund:
Class I
This Sub-Account is only available in policies issued before May 1,
2023
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Nationwide Asset Management, LLC |
0.59% |
5.19% |
0.70% |
1.69% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT DoubleLine Total
Return Tactical Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: DoubleLine Capital LP |
0.99%* |
5.66% |
0.19% |
|
Equity |
Nationwide Variable Insurance Trust - NVIT Emerging Markets
Fund: Class I
This Sub-Account is only available in policies issued before May 1,
2024
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: NS Partners Ltd |
1.10%* |
4.16% |
0.25% |
0.12% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Federated High
Income Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management
Company |
0.91%* |
13.13% |
4.93% |
4.15% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Bond
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.69%* |
4.70% |
0.21% |
0.82% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Money
Market Fund: Class I
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Federated Investment Management Company |
0.47% |
4.75% |
1.60% |
0.98% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Money
Market Fund: Class V
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management
Company |
0.42% |
4.80% |
1.63% |
1.01% |
Equity |
Nationwide Variable Insurance Trust - NVIT International Equity
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Lazard Asset Management LLC |
0.98%* |
21.70% |
8.65% |
4.85% |
Equity |
Nationwide Variable Insurance Trust - NVIT International Equity
Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2011
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Lazard Asset Management LLC |
1.23%* |
21.46% |
8.40% |
4.59% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Nationwide Variable Insurance Trust - NVIT International Index
Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.46% |
17.58% |
7.90% |
4.02% |
Equity |
Nationwide Variable Insurance Trust - NVIT International Index
Fund: Class II
This Sub-Account is only available in policies issued before April 26,
2014
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: BlackRock Investment Management, LLC |
0.69% |
17.31% |
7.63% |
3.76% |
Equity |
Nationwide Variable Insurance Trust - NVIT Invesco Small Cap
Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Invesco Advisers, Inc. |
1.09% |
17.47% |
11.52% |
8.33% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Aggressive Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.91% |
19.38% |
9.32% |
6.73% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Aggressive Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.76% |
19.52% |
9.47% |
6.89% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Balanced Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.86% |
13.04% |
5.59% |
4.41% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Balanced Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.71% |
13.14% |
5.74% |
4.56% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.87% |
16.38% |
7.57% |
5.72% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Capital Appreciation Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.72% |
16.56% |
7.73% |
5.88% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Conservative Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.86% |
8.03% |
2.64% |
2.53% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Conservative Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.71% |
8.16% |
2.79% |
2.69% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth & Income Fund: Class
I Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.59%* |
12.38% |
4.38% |
3.52% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Managed Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Nationwide Asset Management, LLC |
0.60%* |
13.20% |
5.90% |
4.46% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderate Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.86% |
14.72% |
6.53% |
5.08% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderate Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.71% |
14.95% |
6.68% |
5.24% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Aggressive Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.88% |
17.93% |
8.43% |
6.19% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Aggressive Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.73% |
18.14% |
8.60% |
6.35% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Conservative Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors |
0.85% |
11.25% |
4.60% |
3.83% |
Allocation |
Nationwide Variable Insurance Trust - NVIT Investor Destinations
Moderately Conservative Fund: Class P
Investment Advisor: Nationwide Fund Advisors |
0.70% |
11.45% |
4.74% |
3.98% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT iShares® Fixed
Income ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.72%* |
5.22% |
|
|
Equity |
Nationwide Variable Insurance Trust - NVIT iShares® Global
Equity ETF Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.73%* |
20.48% |
|
|
Equity |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large
Cap Core Fund: Class I
This Sub-Account is only available in policies issued before May 1,
2013
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Jacobs Levy Equity Management, Inc. |
0.79%* |
23.39% |
13.50% |
10.37% |
Equity |
Nationwide Variable Insurance Trust - NVIT Jacobs Levy Large
Cap Growth Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. |
0.70%* |
35.36% |
23.08% |
15.33% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Loomis Short Term
Bond Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Loomis, Sayles & Company, L.P. |
0.55% |
5.95% |
1.45% |
1.36% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Loomis Short Term
Bond Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Loomis, Sayles & Company, L.P. |
0.80% |
5.69% |
1.19% |
1.10% |
Equity |
Nationwide Variable Insurance Trust - NVIT Mid Cap Index Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.41% |
16.06% |
12.16% |
8.86% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small
Cap Value Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. and
WCM Investment Management, LLC |
1.06%* |
17.45% |
11.06% |
6.84% |
Equity |
Nationwide Variable Insurance Trust - NVIT Multi-Manager Small
Company Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Jacobs Levy Equity Management, Inc. and
Invesco Advisers, Inc. |
1.05%* |
13.99% |
13.31% |
8.47% |
Equity |
Nationwide Variable Insurance Trust - NVIT NS Partners
International Focused Growth Fund: Class
I Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: NS Partners Ltd |
0.98%* |
15.67% |
7.39% |
3.76% |
Equity |
Nationwide Variable Insurance Trust - NVIT Real Estate Fund:
Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Wellington Management Company LLP |
0.92%* |
12.88% |
7.92% |
6.97% |
Equity |
Nationwide Variable Insurance Trust - NVIT S&P 500®
Index Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.25%* |
25.96% |
15.41% |
11.76% |
Equity |
Nationwide Variable Insurance Trust - NVIT Small Cap Index
Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: BlackRock Investment Management, LLC |
0.60%* |
16.35% |
9.45% |
6.69% |
Equity |
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap
Value Fund: Class I
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Victory Capital Management Inc. |
0.93%* |
8.82% |
10.06% |
7.92% |
Equity |
Nationwide Variable Insurance Trust - NVIT Victory Mid Cap
Value Fund: Class II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: Nationwide Fund Advisors
Sub-Advisor: Victory Capital Management Inc. |
1.02%* |
8.63% |
9.93% |
7.81% |
Fixed Income |
Neuberger Berman Advisers Management Trust - Short Duration
Bond Portfolio: Class I Shares
This Sub-Account is only available in policies issued before May 1,
2012
Investment Advisor: Neuberger Berman Investment Advisers LLC |
0.86% |
5.90% |
1.65% |
1.21% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Balanced
ETF Portfolio: Class 3
This Sub-Account is only available in policies issued before May 1,
2018
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
0.87% |
9.17% |
4.73% |
3.14% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Growth
ETF Portfolio: Class 3
This Sub-Account is only available in policies issued before May 1,
2018
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
0.85% |
11.00% |
5.76% |
3.22% |
Allocation |
Northern Lights Variable Trust - TOPS® Managed Risk Moderate
Growth ETF Portfolio: Class 3
This Sub-Account is only available in policies issued before May 1,
2018
Investment Advisor: ValMark Advisers, Inc.
Sub-Advisor: Milliman Financial Risk Management, LLC |
0.85% |
10.23% |
5.41% |
3.42% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
PIMCO Variable Insurance Trust - All Asset Portfolio:
Administrative Class
Investment Advisor: PIMCO
Investment Sub-Advisor: Research Affiliates, LLC |
2.19%* |
8.14% |
6.02% |
4.04% |
Commodities |
PIMCO Variable Insurance Trust - CommodityRealReturn®
Strategy Portfolio: Administrative
Class Investment Advisor: PIMCO |
1.48%* |
-7.85% |
8.55% |
-0.80% |
Fixed Income |
PIMCO Variable Insurance Trust - International Bond Portfolio
(Unhedged): Administrative Class
This Sub-Account is only available in policies issued before May 1,
2024
Investment Advisor: PIMCO |
1.28%* |
6.21% |
-1.16% |
-0.35% |
Fixed Income |
PIMCO Variable Insurance Trust - Low Duration Portfolio:
Administrative Class
This Sub-Account is only available in policies issued before May 1,
2024
Investment Advisor: PIMCO |
0.69% |
4.97% |
0.99% |
0.92% |
Fixed Income |
PIMCO Variable Insurance Trust - Short-Term Portfolio:
Administrative Class
Investment Advisor: PIMCO |
0.66% |
5.91% |
2.12% |
1.87% |
Equity |
Putnam Variable Trust - Putnam VT Sustainable Leaders Fund:
Class IB
Investment Advisor: Putnam Investment Management, LLC |
0.90% |
26.11% |
16.09% |
12.59% |
Alternative |
Rydex Variable Trust - Multi-Hedge Strategies Fund
This Sub-Account is only available in policies issued before May 1,
2019
Investment Advisor: Guggenheim Investments |
1.75%* |
4.37% |
4.21% |
2.52% |
Equity |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences
Portfolio
Investment Advisor: T. Rowe Price Associates, Inc. |
0.86% |
2.96% |
11.24% |
11.30% |
Equity |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Health Sciences
Portfolio: II
This Sub-Account is no longer available to receive transfers or new
premium payments effective May 1, 2012
Investment Advisor: T. Rowe Price Associates, Inc. |
1.11% |
2.68% |
10.96% |
11.03% |
Equity |
T. Rowe Price Equity Series, Inc. - T. Rowe Price Mid-Cap Growth
Portfolio: II
Investment Advisor: T. Rowe Price Associates, Inc.
Investment Sub-Advisor: T. Rowe Price Investment Management, Inc.
|
1.09%* |
19.63% |
11.36% |
10.22% |
Equity |
VanEck VIP Trust - VanEck VIP Global Resources Fund: Initial
Class
Investment Advisor: Van Eck Associates Corporation |
1.12% |
-3.58% |
10.61% |
-1.01% |
Equity |
Virtus Variable Insurance Trust - Virtus Duff & Phelps Real
Estate Securities Series: Class I
Investment Advisor: Virtus Investment Advisers, Inc.
Investment Sub-Advisor: Duff & Phelps Investment Management Co.,
an affiliate of VIA. |
0.85%* |
11.31% |
8.84% |
8.22% |
State |
State Law Variations |
California |
• Right to Cancel – 30 day right to examine and cancel. Refund of the Cash Value in full,
without any deductions for any applicable policy fees. Net Premium will be placed
in the Fixed Account or a money-market Sub-Account unless directed
otherwise. If invested in the Variable Account, refund will be the
policy’s Cash Value, plus any policy fees paid.
• Long-Term Care Rider is titled Accelerated Death Benefit Rider. |
Colorado |
• In addition to the right to elect to irrevocably transfer 100% of the policy's Cash Value to
the Fixed Account within the first twenty-four months from the Policy Date
provided under "Right of Conversion," you may also elect to
irrevocably transfer 100% of the policy's Cash Value to the Fixed
Account within the later of sixty days from the date of a change in
the investment policy of a Sub-Account or sixty days from when we notify you of your option to make such transfer. • The suicide provision is one year from the Policy Date, reinstatement
date, effective date of a Specified Amount increase, or Rider
effective date. |
Connecticut |
• The right to exchange the policy for a different policy provided under "Exchanging the
Policy," is limited to within eighteen months from the Policy Date.
|
Florida |
• There is no "Risk Charge" component used in determining the charge for the Accelerated Death Benefit Rider. |
Maryland |
• The right to exchange the policy for a different policy provided under "Exchanging the
Policy," is limited to within eighteen months from the Policy Date.
• Long-Term Care Rider is titled Accelerated Death Benefit for Long-Term Care Rider. |
Massachusetts |
• Under "Right of Conversion," you may also elect to irrevocably transfer 100% of the
policy's Cash Value to the fixed account within the later of sixty days from the
date of a change in the investment policy of a Sub-Account or sixty
days from when we notify you of your option to make such
transfer. |
Montana |
• Policy and Rider charges are required to be on a unisex basis. This is accomplished by
treating all Insured's as male for purposes of charges that otherwise would vary
by sex. Therefore, none of the charges described in the prospectus
as varying by sex, or by characteristics of the Insured, will vary
by sex for policies issued in Montana. |
New Jersey |
• Extends spousal rights to a party to a civil union. |
North Dakota |
• Suicide provision is one year. |
Pennsylvania |
• Accelerated Death Benefit Rider is not available. |
South Carolina |
• Long-Term Care Rider title is Qualified Long-Term Care Rider. |
Texas |
• There is no "Risk Charge" component used in determining the charge for the Accelerated Death Benefit Rider. |
Washington |
• Accelerated Death Benefit Rider is not available. |
(a) |
= |
the Base Policy Specified Amount multiplied by the rate indicated on the chart "Surrender Target Factor" below
divided by 1,000; and |
(b) |
= |
Premiums paid by the policy owner during the first policy year; |
(p) |
= |
the surrender charge percentage in the range 21% - 85% which varies by issue age, sex, Total Specified
Amount, and Death Benefit option, from the "Surrender Charge Percentage" chart below;
|
(c) |
= |
the Base Policy Specified Amount divided by 1,000; |
(d) |
= |
the applicable rate from the "Administrative Target Factor" chart below; |
(e) |
= |
the applicable percentage from the "Reduction of Surrender Charges" table |
Policy year calculated from the Policy Date or effective date of Base Policy Specified Amount Increase: |
Surrender Charge, as a percentage of the initial Surrender Charge: | |
Issue Ages 0-49 |
Issue Ages 50+ | |
1 |
100
% |
100
% |
2 |
100
% |
100
% |
3 |
100
% |
95.0
% |
4 |
100
% |
95.0
% |
5 |
95.0
% |
80.0
% |
6 |
85.0
% |
65.0
% |
7 |
70.0
% |
60.0
% |
8 |
52.0
% |
45.0
% |
9 |
30.0
% |
30.0
% |
10 |
8.3
% |
8.3
% |
11
and thereafter |
0.0
% |
0.0
% |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) | |||
(a) |
= |
($1,000,000 / 1,000) x 54.143 =$54,143.00 |
(c) |
= |
$1,000,000 / 1000 =$1000 |
(b) |
= |
$100,000 |
(d) |
= |
5.45 |
(p) |
= |
0.83947 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($54,143.00 x 0.83947) + ($1,000 x 5.45)] x 100% |
|
= |
[$45,451.42 + $5,450] x 100% |
|
= |
$50,901.42 which corresponds to $50.91 per $1,000 of Base Policy Specified Amount ($50,901.42 / $1000). |
SC |
= |
$50,901.42 x 80.0% =$40,721.14 which corresponds to $40.73 per $1,000 of Base Policy Specified Amount
($40,721.14 / $1000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($10,000,000 / 1,000) x 1.637 =$16,370.00 |
(c) |
= |
$10,000,000 / 1000 =$10,000 |
(b) |
= |
$2,253.16 |
(d) |
= |
4.00 |
(p) |
= |
0.85 |
(e) |
= |
8.30% |
(b) is less than (a), so: | ||
SC |
= |
[($2,253.16 x 0.85) + ($10,000 x 4)] x 8.30% |
|
= |
[$1,915.19 + $40,000] x 8.30% |
|
= |
$41,915.19 x 8.30% |
|
= |
$3,478.96 which corresponds to $0.35 per $1,000 of Base Policy Specified Amount ($3,478.96/$10,000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($500,000 / 1,000) x 8.963 =$4,481.50 |
(c) |
= |
$500,000 / 1000 =$500 |
(b) |
= |
$7,000 |
(d) |
= |
4.50 |
(p) |
= |
0.8500 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$4,481.50 x (0.8500) + $500 x 4.50] x 100% |
|
= |
[$3,809.28 + $2,250] x 100% |
|
= |
$6,059.28 which corresponds to $12.12 per $1,000 of Base Policy Specified Amount ($6,059.28 / $500). |
SC |
= |
$6,059.28 x 95% =$5,756.31 which corresponds to $11.52 per $1,000 of Base Policy Specified Amount
($5,756.31 / $500). |
SC |
= |
$6,059.28 x 0.0% =$0.00. |
SC |
= |
[[the lesser of(a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.66625 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.66625) + $100 x 7.50] x 100% |
|
= |
[$597.16+ $750] x 100% |
|
= |
$1,347.16 which corresponds to $13.48 per $1,000 of Base Policy Specified Amount ($1,347.16 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 9.419 =$941.90 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.68183 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$941.90 x (0.68183) + $100 x 7.50] x 100% |
|
= |
[$642.22+ $750] x 100% |
|
= |
$1,392.22 which corresponds to $13.93 per $1,000 of Base Policy Specified Amount ($1,392.22 / $100). |
SC |
= |
$1,347.16 x 70.0% =$943.01 which corresponds to $9.44 per $1,000 of Base Policy Specified Amount ($943.01
/ $100). |
SC |
= |
$1,392.22 x 95.0% =$1,322.61 which corresponds to $13.23 per $1,000 of Base Policy Specified Amount
($1,322.61/ $100). |
SC |
= |
$943.01 + $1,322.61=$2,265.62 which corresponds to $11.33 per $1,000 of Base Policy Specified Amount
($2,265.62/ $200). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.74539 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.74539) + $100 x 7.50] x 95% |
|
= |
[$668.09+ $750] x 95% |
|
= |
$1,418.09 x 95% |
|
= |
$1,347.19 which corresponds to $13.48 per $1,000 of Base Policy Specified Amount ($1,347.19 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.66625 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.66625) + $100 x 7.50] x 95% |
|
= |
[$597.16+ $750] x 95% |
|
= |
$1,347.16 x 95% |
|
= |
$1,279.80 which corresponds to $12.80 per $1,000 of Base Policy Specified Amount ($1,279.80 / $100). |
Issue Age |
Male |
Female |
0 |
1.917 |
1.508 |
1 |
1.967 |
1.575 |
2 |
2.039 |
1.637 |
3 |
2.125 |
1.708 |
4 |
2.221 |
1.786 |
5 |
2.325 |
1.868 |
6 |
2.436 |
1.955 |
7 |
2.552 |
2.047 |
8 |
2.674 |
2.143 |
9 |
2.803 |
2.243 |
10 |
2.938 |
2.349 |
11 |
3.081 |
2.460 |
12 |
3.230 |
2.577 |
13 |
3.384 |
2.698 |
14 |
3.543 |
2.823 |
15 |
3.707 |
2.955 |
16 |
3.872 |
3.092 |
17 |
4.040 |
3.235 |
18 |
4.209 |
3.384 |
19 |
4.385 |
3.541 |
20 |
4.568 |
3.706 |
21 |
4.761 |
3.879 |
22 |
4.965 |
4.061 |
23 |
5.180 |
4.253 |
24 |
5.408 |
4.456 |
25 |
5.647 |
4.669 |
26 |
5.900 |
4.894 |
27 |
6.165 |
5.131 |
28 |
6.444 |
5.380 |
Issue Age |
Male |
Female |
29 |
6.740 |
5.642 |
30 |
7.055 |
5.919 |
31 |
7.391 |
6.211 |
32 |
7.749 |
6.518 |
33 |
8.129 |
6.842 |
34 |
8.534 |
7.183 |
35 |
8.963 |
7.542 |
36 |
9.419 |
7.919 |
37 |
9.901 |
8.317 |
38 |
10.412 |
8.736 |
39 |
10.953 |
9.179 |
40 |
11.526 |
9.649 |
41 |
12.132 |
10.145 |
42 |
12.773 |
10.671 |
43 |
13.451 |
11.228 |
44 |
14.166 |
11.817 |
45 |
14.920 |
12.439 |
46 |
15.715 |
13.098 |
47 |
16.555 |
13.794 |
48 |
17.444 |
14.527 |
49 |
18.394 |
15.302 |
50 |
19.411 |
16.118 |
51 |
20.496 |
16.978 |
52 |
21.654 |
17.884 |
53 |
22.886 |
18.838 |
54 |
24.195 |
19.843 |
55 |
25.582 |
20.903 |
56 |
27.049 |
22.020 |
57 |
28.604 |
23.197 |
Issue Age |
Male |
Female |
58 |
30.252 |
24.438 |
59 |
32.018 |
25.747 |
60 |
33.911 |
27.134 |
61 |
35.934 |
28.605 |
62 |
38.087 |
30.168 |
63 |
40.370 |
31.830 |
64 |
42.787 |
33.603 |
65 |
45.353 |
35.495 |
66 |
48.082 |
37.517 |
67 |
51.001 |
39.681 |
68 |
54.143 |
41.998 |
69 |
57.533 |
44.483 |
70 |
61.214 |
47.151 |
71 |
65.204 |
50.016 |
72 |
69.535 |
53.091 |
73 |
74.176 |
56.393 |
74 |
79.176 |
59.946 |
75 |
84.594 |
63.775 |
76 |
90.474 |
67.909 |
77 |
96.879 |
72.382 |
78 |
103.836 |
77.234 |
79 |
111.356 |
82.512 |
80 |
119.438 |
88.272 |
81 |
128.132 |
94.582 |
82 |
137.421 |
101.353 |
83 |
147.421 |
108.605 |
84 |
158.220 |
116.462 |
85 |
169.864 |
124.985 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
0 |
6.00 |
4.00 |
4.00 |
4.00 |
1 |
6.00 |
4.00 |
4.00 |
4.00 |
2 |
6.00 |
4.00 |
4.00 |
4.00 |
3 |
6.00 |
4.00 |
4.00 |
4.00 |
4 |
6.00 |
4.00 |
4.00 |
4.00 |
5 |
6.00 |
4.00 |
4.00 |
4.00 |
6 |
6.00 |
4.00 |
4.00 |
4.00 |
7 |
6.00 |
4.00 |
4.00 |
4.00 |
8 |
6.00 |
4.00 |
4.00 |
4.00 |
9 |
6.00 |
4.00 |
4.00 |
4.00 |
10 |
6.00 |
4.00 |
4.00 |
4.00 |
11 |
6.00 |
4.00 |
4.00 |
4.00 |
12 |
6.00 |
4.00 |
4.00 |
4.00 |
13 |
6.00 |
4.00 |
4.00 |
4.00 |
14 |
6.00 |
4.00 |
4.00 |
4.00 |
15 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
16 |
6.00 |
4.00 |
4.00 |
4.00 |
17 |
6.00 |
4.00 |
4.00 |
4.00 |
18 |
6.00 |
4.00 |
4.00 |
4.00 |
19 |
6.00 |
4.00 |
4.00 |
4.00 |
20 |
6.00 |
4.00 |
4.00 |
4.00 |
21 |
6.00 |
4.00 |
4.00 |
4.00 |
22 |
6.00 |
4.00 |
4.00 |
4.00 |
23 |
6.00 |
4.00 |
4.00 |
4.00 |
24 |
6.00 |
4.00 |
4.00 |
4.00 |
25 |
6.00 |
4.00 |
4.00 |
4.00 |
26 |
6.15 |
4.05 |
4.05 |
4.05 |
27 |
6.30 |
4.10 |
4.10 |
4.10 |
28 |
6.45 |
4.15 |
4.15 |
4.15 |
29 |
6.60 |
4.20 |
4.20 |
4.20 |
30 |
6.75 |
4.25 |
4.25 |
4.25 |
31 |
6.90 |
4.30 |
4.30 |
4.30 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
32 |
7.05 |
4.35 |
4.35 |
4.35 |
33 |
7.20 |
4.40 |
4.40 |
4.40 |
34 |
7.35 |
4.45 |
4.45 |
4.45 |
35 |
7.50 |
4.50 |
4.50 |
4.50 |
36 |
7.50 |
4.55 |
4.55 |
4.55 |
37 |
7.50 |
4.60 |
4.60 |
4.60 |
38 |
7.50 |
4.65 |
4.65 |
4.65 |
39 |
7.50 |
4.70 |
4.70 |
4.70 |
40 |
7.50 |
4.75 |
4.75 |
4.75 |
41 |
7.50 |
4.80 |
4.80 |
4.80 |
42 |
7.50 |
4.85 |
4.85 |
4.85 |
43 |
7.50 |
4.90 |
4.90 |
4.90 |
44 |
7.50 |
4.95 |
4.95 |
4.95 |
45 |
7.50 |
5.00 |
5.00 |
5.00 |
46 |
7.50 |
5.00 |
5.00 |
5.00 |
47 |
7.50 |
5.00 |
5.00 |
5.00 |
48 |
7.50 |
5.00 |
5.00 |
5.00 |
49 |
7.50 |
5.00 |
5.00 |
5.00 |
50 |
7.50 |
5.00 |
5.00 |
5.00 |
51 |
7.50 |
5.00 |
5.00 |
5.00 |
52 |
7.50 |
5.00 |
5.00 |
5.00 |
53 |
7.50 |
5.00 |
5.00 |
5.00 |
54 |
7.50 |
5.00 |
5.00 |
5.00 |
55 |
7.50 |
5.00 |
5.00 |
5.00 |
56 |
7.50 |
5.00 |
5.00 |
5.00 |
57 |
7.50 |
5.00 |
5.00 |
5.00 |
58 |
7.50 |
5.00 |
5.00 |
5.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
59 |
7.50 |
5.00 |
5.00 |
5.00 |
60 |
7.50 |
5.00 |
5.00 |
5.00 |
61 |
7.50 |
5.00 |
5.00 |
5.00 |
62 |
7.50 |
5.00 |
5.00 |
5.00 |
63 |
7.50 |
5.00 |
5.00 |
5.00 |
64 |
7.50 |
5.00 |
5.00 |
5.00 |
65 |
7.50 |
5.00 |
5.00 |
5.00 |
66 |
7.60 |
5.15 |
5.15 |
5.15 |
67 |
7.70 |
5.30 |
5.30 |
5.30 |
68 |
7.80 |
5.45 |
5.45 |
5.45 |
69 |
7.90 |
5.60 |
5.60 |
5.60 |
70 |
8.00 |
5.75 |
5.75 |
5.75 |
71 |
8.10 |
5.90 |
5.90 |
5.90 |
72 |
8.20 |
6.05 |
6.05 |
6.05 |
73 |
8.30 |
6.20 |
6.20 |
6.20 |
74 |
8.40 |
6.35 |
6.35 |
6.35 |
75 |
8.50 |
6.50 |
6.50 |
6.50 |
76 |
8.55 |
6.65 |
6.65 |
6.65 |
77 |
8.60 |
6.80 |
6.80 |
6.80 |
78 |
8.65 |
6.95 |
6.95 |
6.95 |
79 |
8.70 |
7.10 |
7.10 |
7.10 |
80 |
8.75 |
7.25 |
7.25 |
7.25 |
81 |
8.80 |
7.40 |
7.40 |
7.40 |
82 |
8.85 |
7.55 |
7.55 |
7.55 |
83 |
8.90 |
7.70 |
7.70 |
7.70 |
84 |
8.95 |
7.85 |
7.85 |
7.85 |
85 |
9.00 |
8.00 |
8.00 |
8.00 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.85000 |
0.83651 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.84310 |
0.81068 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.82310 |
0.78764 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.80537 |
0.76707 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.78965 |
0.74908 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.77589 |
0.73336 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.76411 |
0.71970 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.75390 |
0.70803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.74539 |
0.69809 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.75620 |
0.71080 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.76665 |
0.72296 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.77679 |
0.73458 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.78651 |
0.74577 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.79590 |
0.75646 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.80510 |
0.76687 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.81401 |
0.77684 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.82253 |
0.78637 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.83078 |
0.79561 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.83844 |
0.80456 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
46 |
0.84497 |
0.81245 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.85000 |
0.82010 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.85000 |
0.82751 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.85000 |
0.83466 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.80100 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.74952 |
0.85000 |
0.81090 |
0.85000 |
0.82934 |
0.85000 |
0.83947 |
0.85000 | |||
69 |
0.70119 |
0.85000 |
0.75807 |
0.85000 |
0.77491 |
0.85000 |
0.78407 |
0.85000 | |||
70 |
0.65545 |
0.85000 |
0.70809 |
0.85000 |
0.72344 |
0.85000 |
0.73170 |
0.85000 | |||
71 |
0.61212 |
0.80100 |
0.66077 |
0.85000 |
0.67474 |
0.85000 |
0.68217 |
0.85000 | |||
72 |
0.57099 |
0.75047 |
0.61588 |
0.80932 |
0.62857 |
0.82599 |
0.63522 |
0.83473 | |||
73 |
0.53209 |
0.70293 |
0.57349 |
0.75745 |
0.58499 |
0.77263 |
0.59094 |
0.78048 | |||
74 |
0.49520 |
0.65774 |
0.53333 |
0.70818 |
0.54374 |
0.72199 |
0.54903 |
0.72901 | |||
75 |
0.45870 |
0.61474 |
0.49375 |
0.66136 |
0.50311 |
0.67389 |
0.50779 |
0.68015 | |||
76 |
0.42504 |
0.57455 |
0.45666 |
0.61684 |
0.46538 |
0.62860 |
0.46973 |
0.63447 | |||
77 |
0.39372 |
0.53620 |
0.42218 |
0.57449 |
0.43029 |
0.58550 |
0.43435 |
0.59100 | |||
78 |
0.36462 |
0.49964 |
0.39019 |
0.53421 |
0.39773 |
0.54451 |
0.40151 |
0.54966 | |||
79 |
0.33778 |
0.46527 |
0.36070 |
0.49640 |
0.36772 |
0.50603 |
0.37123 |
0.51085 | |||
80 |
0.31290 |
0.43166 |
0.33342 |
0.45959 |
0.33995 |
0.46857 |
0.34321 |
0.47305 | |||
81 |
0.28981 |
0.40017 |
0.30814 |
0.42515 |
0.31421 |
0.43351 |
0.31725 |
0.43769 | |||
82 |
0.26845 |
0.37085 |
0.28480 |
0.39316 |
0.29045 |
0.40094 |
0.29328 |
0.40483 | |||
83 |
0.24879 |
0.34363 |
0.26334 |
0.36350 |
0.26860 |
0.37074 |
0.27123 |
0.37437 | |||
84 |
0.23079 |
0.31777 |
0.24371 |
0.33541 |
0.24861 |
0.34214 |
0.25106 |
0.34550 | |||
85 |
0.21441 |
0.29419 |
0.22586 |
0.30982 |
0.23043 |
0.31607 |
0.23272 |
0.31920 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.77274 |
0.71682 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.75823 |
0.69803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.74957 |
0.68912 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.74317 |
0.68226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.73916 |
0.67747 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.73667 |
0.67412 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.73454 |
0.67185 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.73319 |
0.67042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.73271 |
0.66931 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.73292 |
0.66947 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.73392 |
0.67029 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.73553 |
0.67184 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.73766 |
0.67384 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.74019 |
0.67622 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.74318 |
0.67918 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.74620 |
0.68203 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.74903 |
0.68553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.75142 |
0.68906 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.75375 |
0.69306 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.75592 |
0.69717 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.75841 |
0.70127 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.76109 |
0.70581 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.76416 |
0.71066 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.76749 |
0.71557 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.77102 |
0.72079 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.77491 |
0.72628 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.75577 |
0.70404 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.73866 |
0.68449 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.72330 |
0.66734 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.70990 |
0.65253 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.69849 |
0.63978 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.68884 |
0.62920 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.68089 |
0.62100 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.67466 |
0.61345 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.66974 |
0.60804 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.66625 |
0.60404 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.68183 |
0.62234 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.69680 |
0.63980 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.71122 |
0.65643 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.72499 |
0.67236 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.73820 |
0.68755 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.75100 |
0.70221 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.76331 |
0.71619 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.77503 |
0.72953 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.78630 |
0.74235 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.79679 |
0.75468 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
46 |
0.80430 |
0.76372 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.81144 |
0.77253 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.81820 |
0.78112 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.82495 |
0.78944 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.83252 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.78062 |
0.85000 |
0.84678 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.73112 |
0.85000 |
0.79250 |
0.85000 |
0.81094 |
0.85000 |
0.82107 |
0.85000 | |||
69 |
0.68389 |
0.85000 |
0.74077 |
0.85000 |
0.75761 |
0.85000 |
0.76677 |
0.85000 | |||
70 |
0.63920 |
0.83211 |
0.69184 |
0.85000 |
0.70719 |
0.85000 |
0.71545 |
0.85000 | |||
71 |
0.59687 |
0.78061 |
0.64552 |
0.84407 |
0.65949 |
0.85000 |
0.66691 |
0.85000 | |||
72 |
0.55669 |
0.73169 |
0.60158 |
0.79054 |
0.61427 |
0.80721 |
0.62100 |
0.81595 | |||
73 |
0.51870 |
0.68525 |
0.56009 |
0.73977 |
0.57160 |
0.75495 |
0.57754 |
0.76280 | |||
74 |
0.48267 |
0.64111 |
0.52080 |
0.69156 |
0.53121 |
0.70536 |
0.53650 |
0.71239 | |||
75 |
0.44702 |
0.59912 |
0.48207 |
0.64574 |
0.49144 |
0.65827 |
0.49612 |
0.66453 | |||
76 |
0.41417 |
0.55989 |
0.44579 |
0.60219 |
0.45451 |
0.61394 |
0.45886 |
0.61982 | |||
77 |
0.38361 |
0.52247 |
0.41207 |
0.56076 |
0.42018 |
0.57177 |
0.42423 |
0.57727 | |||
78 |
0.35521 |
0.48680 |
0.38078 |
0.52136 |
0.38832 |
0.53166 |
0.39210 |
0.53681 | |||
79 |
0.32902 |
0.45326 |
0.35194 |
0.48439 |
0.35896 |
0.49402 |
0.36247 |
0.49884 | |||
80 |
0.30476 |
0.42047 |
0.32527 |
0.44840 |
0.33180 |
0.45737 |
0.33507 |
0.46186 | |||
81 |
0.28224 |
0.38974 |
0.30056 |
0.41473 |
0.30664 |
0.42309 |
0.30968 |
0.42727 | |||
82 |
0.26141 |
0.36115 |
0.27775 |
0.38346 |
0.28341 |
0.39124 |
0.28623 |
0.39513 | |||
83 |
0.24223 |
0.33460 |
0.25678 |
0.35447 |
0.26204 |
0.36172 |
0.26467 |
0.36534 | |||
84 |
0.22468 |
0.30938 |
0.23760 |
0.32702 |
0.24250 |
0.33375 |
0.24495 |
0.33711 | |||
85 |
0.20872 |
0.28639 |
0.22017 |
0.30202 |
0.22474 |
0.30827 |
0.22702 |
0.31140 |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) | |||
(a) |
= |
($1,000,000 / 1,000) x 54.143 =$54,143.00 |
(c) |
= |
$1,000,000 / 1000 =$1000 |
(b) |
= |
$100,000 |
(d) |
= |
5.45 |
(p) |
= |
0.83821 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($54,143.00 x 0.83821) + ($1,000 x 5.45)] x 100% |
|
= |
[$45,383.20 + $5,450] x 100% |
|
= |
$50,833.20 which corresponds to $50.84 per $1,000 of Base Policy Specified Amount ($50,833.20 / $1000). |
SC |
= |
$50,833.20 x 80.0% =$40,666.56 which corresponds to $40.67 per $1,000 of Base Policy Specified Amount
($40,666.56 / $1000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($10,000,000 / 1,000) x 1.637 =$16,370.00 |
(c) |
= |
$10,000,000 / 1000 =$10,000 |
(b) |
= |
$2,253.16 |
(d) |
= |
4.00 |
(p) |
= |
0.85 |
(e) |
= |
8.30% |
(b) is less than (a), so: | ||
SC |
= |
[($2,253.16 x 0.85) + ($10,000 x 4)] x 8.30% |
|
= |
[$1,915.19 + $40,000] x 8.30% |
|
= |
$41,915.19 x 8.30% |
|
= |
$3,478.96 which corresponds to $0.35 per $1,000 of Base Policy Specified Amount ($3,478.96/$10,000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($500,000 / 1,000) x 8.963 =$4,481.50 |
(c) |
= |
$500,000 / 1000 =$500 |
(b) |
= |
$7,000 |
(d) |
= |
4.50 |
(p) |
= |
0.8500 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($4,481.50 x 0.8500) + ($500 x 4.50)] x 100% |
|
= |
[$3,809.28 + $2,250] x 100% |
|
= |
$6,059.28 which corresponds to $12.12 per $1,000 of Base Policy Specified Amount ($6,059.28 / $500). |
SC |
= |
$6,059.28 x 95% =$5,756.31 which corresponds to $11.52 per $1,000 of Base Policy Specified Amount
($5,756.31 / $500). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.62258 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.62258) + ($100 x 7.50)] x 100% |
|
= |
[$558.02 + $750] x 100% |
|
= |
$1,308.02 which corresponds to $13.09 per $1,000 of Base Policy Specified Amount ($1,308.02 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 9.419 =$941.90 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.63828 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($941.90 x 0.63828) + ($100 x 7.50)] x 100% |
|
= |
[$601.20 + $750] x 100% |
|
= |
$1,351.20 which corresponds to $13.52 per $1,000 of Base Policy Specified Amount ($1,351.20 / $100). |
SC |
= |
$1,308.02 x 70.0% =$915.61 which corresponds to $9.16 per $1,000 of Base Policy Specified Amount ($915.61
/ $100). |
SC |
= |
$1,351.20 x 95.0% =$1,283.64 which corresponds to $12.84 per $1,000 of Base Policy Specified Amount
($1,283.64 / $100). |
SC |
= |
$915.61 + $1,283.64 =$2,199.25 which corresponds to $11.00 per $1,000 of Base Policy Specified Amount
($2,199.25 / $200). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.70171 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.70171) + ($100 x 7.50)] x 95% |
|
= |
[$628.94+ $750] x 95% |
|
= |
$1,378.94 x 95% |
|
= |
$1,309.99 which corresponds to $13.10 per $1,000 of Base Policy Specified Amount ($1,309.99 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.62258 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.62258) + ($100 x 7.50)] x 95% |
|
= |
[$558.02+ $750] x 95% |
|
= |
$1,308.02 x 95% |
|
= |
$1,242.62 which corresponds to $12.43 per $1,000 of Base Policy Specified Amount ($1,242.62 / $100). |
Issue Age |
Male |
Female |
0 |
1.917 |
1.508 |
1 |
1.967 |
1.575 |
2 |
2.039 |
1.637 |
3 |
2.125 |
1.708 |
4 |
2.221 |
1.786 |
5 |
2.325 |
1.868 |
6 |
2.436 |
1.955 |
7 |
2.552 |
2.047 |
8 |
2.674 |
2.143 |
9 |
2.803 |
2.243 |
10 |
2.938 |
2.349 |
11 |
3.081 |
2.460 |
12 |
3.230 |
2.577 |
13 |
3.384 |
2.698 |
14 |
3.543 |
2.823 |
15 |
3.707 |
2.955 |
16 |
3.872 |
3.092 |
17 |
4.040 |
3.235 |
18 |
4.209 |
3.384 |
19 |
4.385 |
3.541 |
20 |
4.568 |
3.706 |
21 |
4.761 |
3.879 |
22 |
4.965 |
4.061 |
23 |
5.180 |
4.253 |
24 |
5.408 |
4.456 |
25 |
5.647 |
4.669 |
26 |
5.900 |
4.894 |
27 |
6.165 |
5.131 |
28 |
6.444 |
5.380 |
Issue Age |
Male |
Female |
29 |
6.740 |
5.642 |
30 |
7.055 |
5.919 |
31 |
7.391 |
6.211 |
32 |
7.749 |
6.518 |
33 |
8.129 |
6.842 |
34 |
8.534 |
7.183 |
35 |
8.963 |
7.542 |
36 |
9.419 |
7.919 |
37 |
9.901 |
8.317 |
38 |
10.412 |
8.736 |
39 |
10.953 |
9.179 |
40 |
11.526 |
9.649 |
41 |
12.132 |
10.145 |
42 |
12.773 |
10.671 |
43 |
13.451 |
11.228 |
44 |
14.166 |
11.817 |
45 |
14.920 |
12.439 |
46 |
15.715 |
13.098 |
47 |
16.555 |
13.794 |
48 |
17.444 |
14.527 |
49 |
18.394 |
15.302 |
50 |
19.411 |
16.118 |
51 |
20.496 |
16.978 |
52 |
21.654 |
17.884 |
53 |
22.886 |
18.838 |
54 |
24.195 |
19.843 |
55 |
25.582 |
20.903 |
56 |
27.049 |
22.020 |
57 |
28.604 |
23.197 |
Issue Age |
Male |
Female |
58 |
30.252 |
24.438 |
59 |
32.018 |
25.747 |
60 |
33.911 |
27.134 |
61 |
35.934 |
28.605 |
62 |
38.087 |
30.168 |
63 |
40.370 |
31.830 |
64 |
42.787 |
33.603 |
65 |
45.353 |
35.495 |
66 |
48.082 |
37.517 |
67 |
51.001 |
39.681 |
68 |
54.143 |
41.998 |
69 |
57.533 |
44.483 |
70 |
61.214 |
47.151 |
71 |
65.204 |
50.016 |
72 |
69.535 |
53.091 |
73 |
74.176 |
56.393 |
74 |
79.176 |
59.946 |
75 |
84.594 |
63.775 |
76 |
90.474 |
67.909 |
77 |
96.879 |
72.382 |
78 |
103.836 |
77.234 |
79 |
111.356 |
82.512 |
80 |
119.438 |
88.272 |
81 |
128.132 |
94.582 |
82 |
137.421 |
101.353 |
83 |
147.421 |
108.605 |
84 |
158.220 |
116.462 |
85 |
169.864 |
124.985 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
0 |
6.00 |
4.00 |
4.00 |
4.00 |
1 |
6.00 |
4.00 |
4.00 |
4.00 |
2 |
6.00 |
4.00 |
4.00 |
4.00 |
3 |
6.00 |
4.00 |
4.00 |
4.00 |
4 |
6.00 |
4.00 |
4.00 |
4.00 |
5 |
6.00 |
4.00 |
4.00 |
4.00 |
6 |
6.00 |
4.00 |
4.00 |
4.00 |
7 |
6.00 |
4.00 |
4.00 |
4.00 |
8 |
6.00 |
4.00 |
4.00 |
4.00 |
9 |
6.00 |
4.00 |
4.00 |
4.00 |
10 |
6.00 |
4.00 |
4.00 |
4.00 |
11 |
6.00 |
4.00 |
4.00 |
4.00 |
12 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
13 |
6.00 |
4.00 |
4.00 |
4.00 |
14 |
6.00 |
4.00 |
4.00 |
4.00 |
15 |
6.00 |
4.00 |
4.00 |
4.00 |
16 |
6.00 |
4.00 |
4.00 |
4.00 |
17 |
6.00 |
4.00 |
4.00 |
4.00 |
18 |
6.00 |
4.00 |
4.00 |
4.00 |
19 |
6.00 |
4.00 |
4.00 |
4.00 |
20 |
6.00 |
4.00 |
4.00 |
4.00 |
21 |
6.00 |
4.00 |
4.00 |
4.00 |
22 |
6.00 |
4.00 |
4.00 |
4.00 |
23 |
6.00 |
4.00 |
4.00 |
4.00 |
24 |
6.00 |
4.00 |
4.00 |
4.00 |
25 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
26 |
6.15 |
4.05 |
4.05 |
4.05 |
27 |
6.30 |
4.10 |
4.10 |
4.10 |
28 |
6.45 |
4.15 |
4.15 |
4.15 |
29 |
6.60 |
4.20 |
4.20 |
4.20 |
30 |
6.75 |
4.25 |
4.25 |
4.25 |
31 |
6.90 |
4.30 |
4.30 |
4.30 |
32 |
7.05 |
4.35 |
4.35 |
4.35 |
33 |
7.20 |
4.40 |
4.40 |
4.40 |
34 |
7.35 |
4.45 |
4.45 |
4.45 |
35 |
7.50 |
4.50 |
4.50 |
4.50 |
36 |
7.50 |
4.55 |
4.55 |
4.55 |
37 |
7.50 |
4.60 |
4.60 |
4.60 |
38 |
7.50 |
4.65 |
4.65 |
4.65 |
39 |
7.50 |
4.70 |
4.70 |
4.70 |
40 |
7.50 |
4.75 |
4.75 |
4.75 |
41 |
7.50 |
4.80 |
4.80 |
4.80 |
42 |
7.50 |
4.85 |
4.85 |
4.85 |
43 |
7.50 |
4.90 |
4.90 |
4.90 |
44 |
7.50 |
4.95 |
4.95 |
4.95 |
45 |
7.50 |
5.00 |
5.00 |
5.00 |
46 |
7.50 |
5.00 |
5.00 |
5.00 |
47 |
7.50 |
5.00 |
5.00 |
5.00 |
48 |
7.50 |
5.00 |
5.00 |
5.00 |
49 |
7.50 |
5.00 |
5.00 |
5.00 |
50 |
7.50 |
5.00 |
5.00 |
5.00 |
51 |
7.50 |
5.00 |
5.00 |
5.00 |
52 |
7.50 |
5.00 |
5.00 |
5.00 |
53 |
7.50 |
5.00 |
5.00 |
5.00 |
54 |
7.50 |
5.00 |
5.00 |
5.00 |
55 |
7.50 |
5.00 |
5.00 |
5.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
56 |
7.50 |
5.00 |
5.00 |
5.00 |
57 |
7.50 |
5.00 |
5.00 |
5.00 |
58 |
7.50 |
5.00 |
5.00 |
5.00 |
59 |
7.50 |
5.00 |
5.00 |
5.00 |
60 |
7.50 |
5.00 |
5.00 |
5.00 |
61 |
7.50 |
5.00 |
5.00 |
5.00 |
62 |
7.50 |
5.00 |
5.00 |
5.00 |
63 |
7.50 |
5.00 |
5.00 |
5.00 |
64 |
7.50 |
5.00 |
5.00 |
5.00 |
65 |
7.50 |
5.00 |
5.00 |
5.00 |
66 |
7.60 |
5.15 |
5.15 |
5.15 |
67 |
7.70 |
5.30 |
5.30 |
5.30 |
68 |
7.80 |
5.45 |
5.45 |
5.45 |
69 |
7.90 |
5.60 |
5.60 |
5.60 |
70 |
8.00 |
5.75 |
5.75 |
5.75 |
71 |
8.10 |
5.90 |
5.90 |
5.90 |
72 |
8.20 |
6.05 |
6.05 |
6.05 |
73 |
8.30 |
6.20 |
6.20 |
6.20 |
74 |
8.40 |
6.35 |
6.35 |
6.35 |
75 |
8.50 |
6.50 |
6.50 |
6.50 |
76 |
8.55 |
6.65 |
6.65 |
6.65 |
77 |
8.60 |
6.80 |
6.80 |
6.80 |
78 |
8.65 |
6.95 |
6.95 |
6.95 |
79 |
8.70 |
7.10 |
7.10 |
7.10 |
80 |
8.75 |
7.25 |
7.25 |
7.25 |
81 |
8.80 |
7.40 |
7.40 |
7.40 |
82 |
8.85 |
7.55 |
7.55 |
7.55 |
83 |
8.90 |
7.70 |
7.70 |
7.70 |
84 |
8.95 |
7.85 |
7.85 |
7.85 |
85 |
9.00 |
8.00 |
8.00 |
8.00 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.84351 |
0.83142 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.81944 |
0.80268 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.79740 |
0.77680 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.77778 |
0.75392 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.76043 |
0.73336 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.74505 |
0.71536 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.73161 |
0.69966 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.72010 |
0.68600 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.71004 |
0.67440 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.70171 |
0.66447 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.71264 |
0.67733 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.72320 |
0.68961 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.73346 |
0.70130 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.74329 |
0.71266 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.75284 |
0.72348 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.76221 |
0.73396 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.77131 |
0.74403 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.78003 |
0.75374 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.78849 |
0.76314 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.79649 |
0.77226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
46 |
0.80340 |
0.78028 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.80999 |
0.78810 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.81624 |
0.79572 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.82243 |
0.80302 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.79892 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.74832 |
0.85000 |
0.80968 |
0.85000 |
0.82809 |
0.85000 |
0.83821 |
0.85000 | |||
69 |
0.70009 |
0.85000 |
0.75695 |
0.85000 |
0.77377 |
0.85000 |
0.78292 |
0.85000 | |||
70 |
0.65445 |
0.85000 |
0.70706 |
0.85000 |
0.72240 |
0.85000 |
0.73065 |
0.85000 | |||
71 |
0.61120 |
0.79980 |
0.65983 |
0.85000 |
0.67379 |
0.85000 |
0.68120 |
0.85000 | |||
72 |
0.57015 |
0.74971 |
0.61503 |
0.80855 |
0.62770 |
0.82520 |
0.63435 |
0.83393 | |||
73 |
0.53135 |
0.70216 |
0.57273 |
0.75666 |
0.58422 |
0.77183 |
0.59016 |
0.77967 | |||
74 |
0.49452 |
0.65698 |
0.53264 |
0.70740 |
0.54304 |
0.72120 |
0.54832 |
0.72821 | |||
75 |
0.45964 |
0.61401 |
0.49471 |
0.66062 |
0.50409 |
0.67313 |
0.50878 |
0.67939 | |||
76 |
0.42735 |
0.57387 |
0.45902 |
0.61615 |
0.46778 |
0.62789 |
0.47215 |
0.63376 | |||
77 |
0.39707 |
0.53555 |
0.42560 |
0.57382 |
0.43377 |
0.58482 |
0.43785 |
0.59032 | |||
78 |
0.36872 |
0.49903 |
0.39437 |
0.53358 |
0.40198 |
0.54387 |
0.40579 |
0.54902 | |||
79 |
0.34239 |
0.46476 |
0.36541 |
0.49588 |
0.37250 |
0.50551 |
0.37605 |
0.51032 | |||
80 |
0.31783 |
0.43278 |
0.33845 |
0.46074 |
0.34506 |
0.46973 |
0.34837 |
0.47423 | |||
81 |
0.29489 |
0.40263 |
0.31332 |
0.42767 |
0.31948 |
0.43607 |
0.32256 |
0.44027 | |||
82 |
0.27354 |
0.37437 |
0.28999 |
0.39675 |
0.29573 |
0.40459 |
0.29860 |
0.40851 | |||
83 |
0.25376 |
0.34792 |
0.26841 |
0.36788 |
0.27375 |
0.37520 |
0.27642 |
0.37885 | |||
84 |
0.23555 |
0.32254 |
0.24857 |
0.34029 |
0.25355 |
0.34709 |
0.25604 |
0.35050 | |||
85 |
0.21890 |
0.29926 |
0.23045 |
0.31498 |
0.23509 |
0.32133 |
0.23741 |
0.32450 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.77274 |
0.71682 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.75823 |
0.69803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.74957 |
0.68912 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.74317 |
0.68226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.73916 |
0.67747 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.73667 |
0.67412 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.73454 |
0.67185 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.73319 |
0.67042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.73271 |
0.66931 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.73292 |
0.66947 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.73392 |
0.67029 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.73553 |
0.67184 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.73766 |
0.67384 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.74019 |
0.67622 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.74318 |
0.67918 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.74620 |
0.68203 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.74903 |
0.68553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.75142 |
0.68906 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.75264 |
0.69306 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.74648 |
0.69717 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.74145 |
0.70127 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.73722 |
0.69966 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.73384 |
0.69665 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.73141 |
0.69435 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.72961 |
0.69296 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.72864 |
0.69234 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.70967 |
0.67024 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.69279 |
0.65067 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.67763 |
0.63347 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.66460 |
0.61881 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.65357 |
0.60607 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.64425 |
0.59547 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.63662 |
0.58678 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.63065 |
0.57976 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.62588 |
0.57442 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.62258 |
0.57042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.63828 |
0.58887 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.65336 |
0.60646 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.66790 |
0.62315 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.68177 |
0.63925 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.69514 |
0.65457 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.70812 |
0.66930 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.72062 |
0.68338 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.73255 |
0.69689 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.74402 |
0.70988 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.75485 |
0.72238 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
46 |
0.76274 |
0.73155 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.77033 |
0.74054 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.77759 |
0.74933 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.78482 |
0.75782 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.84789 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.83129 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.77940 |
0.85000 |
0.84553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.72994 |
0.85000 |
0.79130 |
0.85000 |
0.80971 |
0.85000 |
0.81984 |
0.85000 | |||
69 |
0.68282 |
0.85000 |
0.73968 |
0.85000 |
0.75649 |
0.85000 |
0.76564 |
0.85000 | |||
70 |
0.63822 |
0.83139 |
0.69083 |
0.85000 |
0.70617 |
0.85000 |
0.71441 |
0.85000 | |||
71 |
0.59597 |
0.77987 |
0.64460 |
0.84333 |
0.65855 |
0.85000 |
0.66597 |
0.85000 | |||
72 |
0.55587 |
0.73095 |
0.60075 |
0.78978 |
0.61342 |
0.80644 |
0.62007 |
0.81517 | |||
73 |
0.51797 |
0.68450 |
0.55935 |
0.73900 |
0.57084 |
0.75417 |
0.57678 |
0.76201 | |||
74 |
0.48201 |
0.64037 |
0.52013 |
0.69079 |
0.53052 |
0.70459 |
0.53581 |
0.71160 | |||
75 |
0.44795 |
0.59841 |
0.48302 |
0.64502 |
0.49239 |
0.65753 |
0.49708 |
0.66379 | |||
76 |
0.41643 |
0.55923 |
0.44810 |
0.60151 |
0.45686 |
0.61325 |
0.46123 |
0.61912 | |||
77 |
0.38688 |
0.52184 |
0.41541 |
0.56011 |
0.42358 |
0.57111 |
0.42766 |
0.57661 | |||
78 |
0.35923 |
0.48619 |
0.38488 |
0.52075 |
0.39249 |
0.53104 |
0.39630 |
0.53618 | |||
79 |
0.33354 |
0.45276 |
0.35656 |
0.48388 |
0.36365 |
0.49351 |
0.36720 |
0.49832 | |||
80 |
0.30958 |
0.42156 |
0.33020 |
0.44952 |
0.33682 |
0.45851 |
0.34012 |
0.46301 | |||
81 |
0.28721 |
0.39216 |
0.30564 |
0.41719 |
0.31180 |
0.42559 |
0.31488 |
0.42979 | |||
82 |
0.26638 |
0.36460 |
0.28283 |
0.38698 |
0.28857 |
0.39482 |
0.29144 |
0.39874 | |||
83 |
0.24709 |
0.33880 |
0.26174 |
0.35876 |
0.26709 |
0.36608 |
0.26976 |
0.36973 | |||
84 |
0.22934 |
0.31405 |
0.24236 |
0.33180 |
0.24734 |
0.33860 |
0.24983 |
0.34201 | |||
85 |
0.21311 |
0.29135 |
0.22466 |
0.30708 |
0.22930 |
0.31342 |
0.23162 |
0.31659 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
0 |
0.13 |
0.05 |
0.01 |
0.07 |
0.11 |
0.08 |
1 |
0.13 |
0.05 |
0.01 |
0.07 |
0.11 |
0.08 |
2 |
0.14 |
0.05 |
0.01 |
0.08 |
0.12 |
0.08 |
3 |
0.14 |
0.05 |
0.01 |
0.08 |
0.12 |
0.09 |
4 |
0.15 |
0.05 |
0.01 |
0.09 |
0.13 |
0.09 |
5 |
0.15 |
0.05 |
0.01 |
0.09 |
0.13 |
0.09 |
6 |
0.16 |
0.06 |
0.01 |
0.10 |
0.13 |
0.10 |
7 |
0.16 |
0.06 |
0.01 |
0.11 |
0.14 |
0.10 |
8 |
0.17 |
0.06 |
0.01 |
0.11 |
0.14 |
0.11 |
9 |
0.17 |
0.06 |
0.01 |
0.12 |
0.14 |
0.11 |
10 |
0.18 |
0.06 |
0.01 |
0.12 |
0.15 |
0.11 |
11 |
0.18 |
0.06 |
0.01 |
0.13 |
0.15 |
0.12 |
12 |
0.19 |
0.07 |
0.01 |
0.13 |
0.16 |
0.12 |
13 |
0.19 |
0.07 |
0.02 |
0.14 |
0.16 |
0.12 |
14 |
0.20 |
0.07 |
0.02 |
0.14 |
0.16 |
0.13 |
15 |
0.20 |
0.07 |
0.02 |
0.15 |
0.17 |
0.13 |
16 |
0.21 |
0.07 |
0.02 |
0.16 |
0.17 |
0.13 |
17 |
0.21 |
0.07 |
0.03 |
0.16 |
0.17 |
0.14 |
18 |
0.22 |
0.08 |
0.03 |
0.17 |
0.18 |
0.14 |
19 |
0.22 |
0.08 |
0.03 |
0.17 |
0.18 |
0.15 |
20 |
0.23 |
0.08 |
0.03 |
0.18 |
0.18 |
0.15 |
21 |
0.23 |
0.08 |
0.04 |
0.18 |
0.19 |
0.15 |
22 |
0.24 |
0.08 |
0.04 |
0.19 |
0.19 |
0.16 |
23 |
0.24 |
0.08 |
0.04 |
0.19 |
0.20 |
0.16 |
24 |
0.25 |
0.09 |
0.04 |
0.20 |
0.20 |
0.16 |
25 |
0.25 |
0.09 |
0.05 |
0.20 |
0.20 |
0.17 |
26 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
27 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
28 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
29 |
0.26 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
30 |
0.27 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
31 |
0.27 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
32 |
0.27 |
0.09 |
0.06 |
0.22 |
0.20 |
0.17 |
33 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
34 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
35 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
36 |
0.28 |
0.10 |
0.08 |
0.22 |
0.21 |
0.18 |
37 |
0.28 |
0.11 |
0.10 |
0.22 |
0.22 |
0.19 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
38 |
0.28 |
0.12 |
0.11 |
0.22 |
0.22 |
0.20 |
39 |
0.28 |
0.13 |
0.12 |
0.22 |
0.23 |
0.21 |
40 |
0.28 |
0.14 |
0.13 |
0.22 |
0.24 |
0.22 |
41 |
0.28 |
0.15 |
0.15 |
0.22 |
0.25 |
0.23 |
42 |
0.29 |
0.16 |
0.16 |
0.22 |
0.25 |
0.24 |
43 |
0.29 |
0.17 |
0.17 |
0.22 |
0.26 |
0.25 |
44 |
0.29 |
0.18 |
0.18 |
0.22 |
0.27 |
0.26 |
45 |
0.29 |
0.18 |
0.20 |
0.22 |
0.27 |
0.27 |
46 |
0.30 |
0.19 |
0.20 |
0.23 |
0.28 |
0.28 |
47 |
0.30 |
0.20 |
0.20 |
0.24 |
0.29 |
0.28 |
48 |
0.31 |
0.21 |
0.21 |
0.25 |
0.30 |
0.29 |
49 |
0.32 |
0.22 |
0.21 |
0.26 |
0.32 |
0.30 |
50 |
0.32 |
0.23 |
0.22 |
0.27 |
0.33 |
0.31 |
51 |
0.33 |
0.24 |
0.22 |
0.28 |
0.34 |
0.32 |
52 |
0.33 |
0.24 |
0.23 |
0.30 |
0.35 |
0.32 |
53 |
0.34 |
0.25 |
0.23 |
0.31 |
0.36 |
0.33 |
54 |
0.35 |
0.26 |
0.23 |
0.32 |
0.37 |
0.34 |
55 |
0.35 |
0.27 |
0.24 |
0.33 |
0.38 |
0.35 |
56 |
0.39 |
0.28 |
0.25 |
0.36 |
0.40 |
0.37 |
57 |
0.42 |
0.30 |
0.27 |
0.39 |
0.41 |
0.38 |
58 |
0.45 |
0.31 |
0.28 |
0.42 |
0.43 |
0.40 |
59 |
0.48 |
0.32 |
0.29 |
0.46 |
0.45 |
0.42 |
60 |
0.51 |
0.34 |
0.31 |
0.49 |
0.46 |
0.44 |
61 |
0.54 |
0.35 |
0.32 |
0.53 |
0.48 |
0.45 |
62 |
0.58 |
0.36 |
0.34 |
0.56 |
0.50 |
0.47 |
63 |
0.61 |
0.38 |
0.35 |
0.60 |
0.52 |
0.49 |
64 |
0.64 |
0.39 |
0.37 |
0.64 |
0.53 |
0.51 |
65 |
0.67 |
0.40 |
0.38 |
0.68 |
0.55 |
0.53 |
66 |
0.69 |
0.43 |
0.41 |
0.71 |
0.58 |
0.56 |
67 |
0.70 |
0.46 |
0.44 |
0.74 |
0.61 |
0.59 |
68 |
0.72 |
0.48 |
0.47 |
0.77 |
0.64 |
0.62 |
69 |
0.74 |
0.51 |
0.50 |
0.80 |
0.67 |
0.65 |
70 |
0.75 |
0.54 |
0.53 |
0.84 |
0.70 |
0.68 |
71 |
0.77 |
0.56 |
0.55 |
0.87 |
0.73 |
0.72 |
72 |
0.79 |
0.59 |
0.58 |
0.91 |
0.76 |
0.75 |
73 |
0.80 |
0.62 |
0.61 |
0.94 |
0.79 |
0.78 |
74 |
0.82 |
0.64 |
0.64 |
0.98 |
0.82 |
0.81 |
75 |
0.84 |
0.67 |
0.67 |
1.01 |
0.85 |
0.85 |
76 |
0.85 |
0.69 |
0.69 |
1.03 |
0.86 |
0.86 |
77 |
0.87 |
0.70 |
0.70 |
1.05 |
0.88 |
0.88 |
78 |
0.89 |
0.72 |
0.72 |
1.06 |
0.90 |
0.90 |
79 |
0.90 |
0.74 |
0.74 |
1.08 |
0.91 |
0.91 |
80 |
0.92 |
0.75 |
0.75 |
1.10 |
0.93 |
0.93 |
81 |
0.94 |
0.77 |
0.77 |
1.11 |
0.95 |
0.95 |
82 |
0.95 |
0.79 |
0.79 |
1.13 |
0.96 |
0.96 |
83 |
0.97 |
0.80 |
0.80 |
1.15 |
0.98 |
0.98 |
84 |
0.99 |
0.82 |
0.82 |
1.16 |
1.00 |
1.00 |
85 |
1.00 |
0.84 |
0.84 |
1.18 |
1.01 |
1.01 |
The monthly charge |
= |
[$250,000 x 1.18] / $1,000 |
|
= |
[$295,000] / $1,000 |
|
= |
$295 or $1.18 per $1,000 of Base Policy Specified Amount ($295 / 250) |
The monthly charge |
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + (($10,000,000 - $500,000) x 0.01)] / $1,000 |
|
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + ($9,500,000 x 0.01)] / $1,000 |
|
= |
[$32,500 + $12,500 + $95,000] / $1,000 |
|
= |
$140,000 / $1,000 |
|
= |
$140 or $0.02 per $1,000 of Base Policy Specified Amount ($140 / 10,000) |
The monthly charge |
= |
[($250,000 x 0.35) + (($400,000 – 250,000) x 0.27)] / $1,000 |
|
= |
[($250,000 x 0.35) + ($150,000) x 0.27)] / $1,000 |
|
= |
[($87,500) + ($40,500)] / $1,000 |
|
= |
$128,000 / $1,000 |
|
= |
$128 or $0.32 per $1,000 of Base Policy Specified Amount ($128 / 400) |
The monthly charge for the increase only |
= |
[($100,000 x 0.34) + ($150,000 x 0.31)] / $1,000 |
|
= |
[($34,000) + ($46,500)] / $1,000 |
|
= |
$80,500 / $1,000 |
|
= |
$80.50 or $0.33 per $ 1,000 of the Base Policy Specified Amount increase ($80.50 / 250) |
The monthly charge |
= |
[($250,000 x 0.33) + (($150,000 x 0.38) + ($100,000 x 0.46) + ($150,000 x 0.44)] / $1,000 |
|
= |
[($82,500) + ($57,000) + ($46,000) + ($66,000)] / $1,000 |
|
= |
$251,500 / $1,000 |
|
= |
$251.50 or $0.39 per $ 1,000 of Base Policy Specified Amount ($251.50 / 650) |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
0 |
0.13 |
0.05 |
0.01 |
0.13 |
0.13 |
0.09 |
1 |
0.13 |
0.05 |
0.01 |
0.14 |
0.13 |
0.09 |
2 |
0.14 |
0.05 |
0.01 |
0.15 |
0.14 |
0.10 |
3 |
0.14 |
0.05 |
0.01 |
0.16 |
0.14 |
0.10 |
4 |
0.15 |
0.05 |
0.01 |
0.17 |
0.15 |
0.11 |
5 |
0.15 |
0.05 |
0.01 |
0.18 |
0.15 |
0.11 |
6 |
0.16 |
0.06 |
0.01 |
0.20 |
0.16 |
0.11 |
7 |
0.16 |
0.06 |
0.01 |
0.21 |
0.16 |
0.12 |
8 |
0.17 |
0.06 |
0.01 |
0.22 |
0.16 |
0.12 |
9 |
0.17 |
0.06 |
0.01 |
0.23 |
0.17 |
0.13 |
10 |
0.18 |
0.06 |
0.01 |
0.24 |
0.17 |
0.13 |
11 |
0.18 |
0.06 |
0.01 |
0.25 |
0.18 |
0.14 |
12 |
0.19 |
0.07 |
0.01 |
0.26 |
0.18 |
0.14 |
13 |
0.19 |
0.07 |
0.02 |
0.27 |
0.19 |
0.14 |
14 |
0.20 |
0.07 |
0.02 |
0.28 |
0.19 |
0.15 |
15 |
0.20 |
0.07 |
0.02 |
0.29 |
0.19 |
0.15 |
16 |
0.21 |
0.07 |
0.02 |
0.31 |
0.20 |
0.16 |
17 |
0.21 |
0.07 |
0.03 |
0.32 |
0.20 |
0.16 |
18 |
0.22 |
0.08 |
0.03 |
0.33 |
0.21 |
0.17 |
19 |
0.22 |
0.08 |
0.03 |
0.34 |
0.21 |
0.17 |
20 |
0.23 |
0.08 |
0.03 |
0.35 |
0.22 |
0.17 |
21 |
0.23 |
0.08 |
0.04 |
0.36 |
0.22 |
0.18 |
22 |
0.24 |
0.08 |
0.04 |
0.37 |
0.23 |
0.18 |
23 |
0.24 |
0.08 |
0.04 |
0.38 |
0.23 |
0.19 |
24 |
0.25 |
0.09 |
0.04 |
0.39 |
0.23 |
0.19 |
25 |
0.25 |
0.09 |
0.05 |
0.40 |
0.24 |
0.20 |
26 |
0.26 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
27 |
0.26 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
28 |
0.27 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
29 |
0.27 |
0.09 |
0.06 |
0.42 |
0.24 |
0.20 |
30 |
0.28 |
0.10 |
0.06 |
0.42 |
0.24 |
0.20 |
31 |
0.28 |
0.10 |
0.06 |
0.42 |
0.24 |
0.20 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
32 |
0.29 |
0.10 |
0.06 |
0.43 |
0.24 |
0.20 |
33 |
0.29 |
0.10 |
0.07 |
0.43 |
0.24 |
0.20 |
34 |
0.30 |
0.10 |
0.07 |
0.43 |
0.24 |
0.20 |
35 |
0.30 |
0.10 |
0.07 |
0.44 |
0.24 |
0.20 |
36 |
0.31 |
0.11 |
0.08 |
0.44 |
0.25 |
0.22 |
37 |
0.31 |
0.12 |
0.10 |
0.44 |
0.25 |
0.23 |
38 |
0.31 |
0.13 |
0.11 |
0.44 |
0.26 |
0.24 |
39 |
0.31 |
0.14 |
0.12 |
0.44 |
0.27 |
0.25 |
40 |
0.31 |
0.15 |
0.13 |
0.44 |
0.28 |
0.26 |
41 |
0.31 |
0.16 |
0.15 |
0.44 |
0.29 |
0.27 |
42 |
0.32 |
0.17 |
0.16 |
0.44 |
0.30 |
0.28 |
43 |
0.32 |
0.18 |
0.17 |
0.44 |
0.30 |
0.29 |
44 |
0.32 |
0.19 |
0.18 |
0.44 |
0.31 |
0.30 |
45 |
0.32 |
0.20 |
0.20 |
0.44 |
0.32 |
0.31 |
46 |
0.32 |
0.21 |
0.20 |
0.44 |
0.33 |
0.32 |
47 |
0.33 |
0.22 |
0.20 |
0.45 |
0.34 |
0.33 |
48 |
0.33 |
0.22 |
0.21 |
0.46 |
0.35 |
0.34 |
49 |
0.33 |
0.23 |
0.21 |
0.46 |
0.36 |
0.34 |
50 |
0.34 |
0.24 |
0.22 |
0.47 |
0.37 |
0.35 |
51 |
0.34 |
0.24 |
0.22 |
0.48 |
0.38 |
0.36 |
52 |
0.34 |
0.25 |
0.23 |
0.48 |
0.39 |
0.37 |
53 |
0.35 |
0.26 |
0.23 |
0.49 |
0.40 |
0.37 |
54 |
0.35 |
0.26 |
0.23 |
0.50 |
0.41 |
0.38 |
55 |
0.35 |
0.27 |
0.24 |
0.50 |
0.42 |
0.39 |
56 |
0.39 |
0.28 |
0.25 |
0.54 |
0.44 |
0.40 |
57 |
0.42 |
0.30 |
0.27 |
0.57 |
0.45 |
0.42 |
58 |
0.45 |
0.31 |
0.28 |
0.61 |
0.47 |
0.44 |
59 |
0.48 |
0.32 |
0.29 |
0.64 |
0.48 |
0.45 |
60 |
0.51 |
0.34 |
0.31 |
0.68 |
0.50 |
0.47 |
61 |
0.54 |
0.35 |
0.32 |
0.71 |
0.52 |
0.49 |
62 |
0.58 |
0.36 |
0.34 |
0.74 |
0.53 |
0.50 |
63 |
0.61 |
0.38 |
0.35 |
0.78 |
0.55 |
0.52 |
64 |
0.64 |
0.39 |
0.37 |
0.81 |
0.56 |
0.54 |
65 |
0.67 |
0.40 |
0.38 |
0.85 |
0.58 |
0.55 |
66 |
0.69 |
0.43 |
0.41 |
0.86 |
0.61 |
0.58 |
67 |
0.70 |
0.46 |
0.44 |
0.88 |
0.63 |
0.61 |
68 |
0.72 |
0.48 |
0.47 |
0.90 |
0.66 |
0.64 |
69 |
0.74 |
0.51 |
0.50 |
0.91 |
0.69 |
0.67 |
70 |
0.75 |
0.54 |
0.53 |
0.93 |
0.71 |
0.70 |
71 |
0.77 |
0.56 |
0.55 |
0.95 |
0.74 |
0.73 |
72 |
0.79 |
0.59 |
0.58 |
0.96 |
0.77 |
0.76 |
73 |
0.80 |
0.62 |
0.61 |
0.98 |
0.79 |
0.79 |
74 |
0.82 |
0.64 |
0.64 |
1.00 |
0.82 |
0.82 |
75 |
0.84 |
0.67 |
0.67 |
1.01 |
0.85 |
0.85 |
76 |
0.85 |
0.69 |
0.69 |
1.03 |
0.86 |
0.86 |
77 |
0.87 |
0.70 |
0.70 |
1.05 |
0.88 |
0.88 |
78 |
0.89 |
0.72 |
0.72 |
1.06 |
0.90 |
0.90 |
79 |
0.90 |
0.74 |
0.74 |
1.08 |
0.91 |
0.91 |
80 |
0.92 |
0.75 |
0.75 |
1.10 |
0.93 |
0.93 |
81 |
0.94 |
0.77 |
0.77 |
1.11 |
0.95 |
0.95 |
82 |
0.95 |
0.79 |
0.79 |
1.13 |
0.96 |
0.96 |
83 |
0.97 |
0.80 |
0.80 |
1.15 |
0.98 |
0.98 |
84 |
0.99 |
0.82 |
0.82 |
1.16 |
1.00 |
1.00 |
85 |
1.00 |
0.84 |
0.84 |
1.18 |
1.01 |
1.01 |
The monthly charge |
= |
[$250,000 x 1.18] / $1,000 |
|
= |
[$295,000] / $1,000 |
|
= |
$295 or $1.18 per $1,000 of Base Policy Specified Amount ($295 / 250) |
The monthly charge |
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + (($10,000,000 - $500,000) x 0.01)] / $1,000 |
|
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + ($9,500,000 x 0.01)] / $1,000 |
|
= |
[$32,500 + $12,500 + $95,000] / $1,000 |
|
= |
$140,000 / $1,000 |
|
= |
$140 or $0.02 per $1,000 of Base Policy Specified Amount ($140 / 10,000) |
The monthly charge |
= |
[($250,000 x 0.35) + (($400,000 – 250,000) x 0.27)] / $1,000 |
|
= |
[($250,000 x 0.35) + ($150,000) x 0.27)] / $1,000 |
|
= |
[($87,500) + ($40,500)] / $1,000 |
|
= |
$128,000 / $1,000 |
|
= |
$128 or $0.32 per $1,000 of Base Policy Specified Amount ($128 / 400) |
The monthly charge for the increase only |
= |
[($100,000 x 0.34) + ($150,000 x 0.31)] / $1,000 |
|
= |
[($34,000) + ($46,500)] / $1,000 |
|
= |
$80,500 / $1,000 |
|
= |
$80.50 or $0.33 per $ 1,000 of the Base Policy Specified Amount increase ($80.50 / 250) |
The monthly charge |
= |
[($250,000 x 0.50) + (($150,000 x 0.42) + ($100,000 x 0.50) + ($150,000 x 0.47)] / $1,000 |
|
= |
[($125,000) + ($63,000) + ($50,000) + ($70,500)] / $1,000 |
|
= |
$308,500 / $1,000 |
|
= |
$308.50 or $0.48 per $ 1,000 of Base Policy Specified Amount ($308.50 / 650) |
Accelerated Death Benefit Payment – The actual benefit amount that will be paid under the Accelerated Death
Benefit Rider if the eligibility and conditions for payment are met. The benefit amount
paid is reduced for risk deductions and adjustments for premature payment
of the Base Policy Specified Amount. |
Accumulation
Unit – An accounting unit of measure of an investment in, or share of, a Sub-Account. Accumulation
Unit values are initially set at $10 for each Sub-Account. |
Attained
Age – A person's Issue Age plus the number of full years since the Policy Date. |
Base Policy Specified Amount – The amount of insurance coverage selected under the base policy, excluding any
Rider Specified Amount. |
Cash
Surrender Value – The Cash Value minus Indebtedness and any surrender charge. |
Cash
Value – The total amount allocated
to the Sub-Accounts, the policy loan account, and the fixed investment
options. |
Code – The Internal Revenue Code of 1986, as amended. |
Death
Benefit – The amount paid upon the Insured's death, before the
deduction of any Indebtedness, reduction for
any long-term care benefits paid, or due and unpaid policy charges. |
Death Benefit Guarantee Period – The length of time during which the Guaranteed Policy
Continuation Provision is available. |
Directed Monthly Deductions – A Policy Owner's election to have deductions for monthly policy charges, including
Rider charges, deducted from a single Sub-Account or the Fixed Account rather than proportionally. If the selected investment option’s value is insufficient to cover the full monthly deduction, the remainder of the monthly deduction
will be deducted proportionally from the Sub-Accounts and/or Fixed Account. The Long-Term Fixed Account and
amounts allocated to Enhanced Dollar Cost Averaging programs are not available for
Directed Monthly Deduction
election. |
Fixed
Account – An investment option that
is funded by Nationwide's general account. |
Grace
Period – A 61-day period after which the Policy will Lapse if sufficient payments are not made to prevent Lapse. |
In
Force – Any time during which benefits are payable under the
policy and any elected Rider(s). |
Indebtedness
– The total amount of all
outstanding policy loans, including principal and interest due. |
Insured
– The person whose life is insured under the policy,
and whose death triggers payment of the Death Benefit. |
Investment
Experience – The market
performance of a mutual fund/Sub-Account. |
Issue
Age – A person's age based on their
birthday nearest the Policy Date. If their last birthday was more than 182
days prior to the Policy Date, their nearest birthday will be their next birthday. |
Lapse – The policy terminates without
value. |
Long-Term Care Specified Amount – The elected Long-Term Care Rider benefit amount
adjusted for any post issue increases and decreases. This amount must be
at least 10% of the Total Specified Amount and no more than 100% of the
Total Specified Amount. |
Long-Term
Fixed Account – An investment option that is funded by Nationwide’s general account. |
Maturity
Date – The policy anniversary on which the Insured reaches
Attained Age120. |
Minimum Required Death Benefit – The lowest Death Benefit that will qualify the policy as life insurance under the
Code. |
Monthly Death Benefit Guarantee Premium – Dollar amounts used to calculate the Premium that must be paid to
meet the requirements of the Guaranteed Policy Continuation Provision.
|
Nationwide
– Nationwide Life and Annuity
Insurance Company. |
Net Amount At Risk – The base policy's Death Benefit minus the policy's Cash Value. |
Net
Asset Value (NAV) – The price of
each share of a mutual fund in which a Sub-Account invests. NAV is
calculated by subtracting the mutual fund's liabilities from its total
assets, and dividing that figure by the number of shares outstanding.
Nationwide uses NAV to calculate the value of Accumulation Units. NAV does not reflect deductions
made for charges taken from the Sub-Accounts. |
Net
Premium – Premium after transaction charges, but before any allocation to an investment
option. |
Policy
Data Page(s) – The Policy Data Page(s) are issued as part of the policy and contain information specific to
the policy and the Insured, including coverage and Rider elections. Updated Policy Data Page(s) will be issued if the
Policy Owner makes any changes to coverage elections after the
policy is issued. |
Policy
Date – The date the policy takes effect as shown in the
Policy Data Pages. Policy years, months, and
anniversaries are measured from this date. |
Policy
Owner – The person or entity named as the owner on the application, or the person or entity assigned
ownership rights. |
Policy
Monthaversary – The same day of
the month as the Policy Date for each succeeding month. In any month
where such day does not exist (e.g. 29th, 30th, or 31st), the Policy Monthaversary will be the last day of that calendar
month. |
Policy Proceeds or Proceeds – Policy Proceeds may constitute the Death Benefit, or the amount payable if the policy matures or is surrendered, adjusted to account for any unpaid charges,
Indebtedness and Rider benefits. |
Premium
– Amount(s) paid to purchase and maintain
the policy. |
Premium Load
– The aggregate of the sales load
and premium tax charges. |
Premium
Waiver Benefit – The benefit
received under the Premium Waiver Rider. The benefit takes the form of a
monthly credit to the policy upon the Insured's total disability for six consecutive months not caused by a risk not
assumed. The amount credited to the policy is the lesser of the Premium specified by the Policy Owner or the average actual monthly Premiums paid over the last 36 months prior to the disability (or such shorter period of time
that the policy has been In Force). |
Returned
Premium – Any return of Premium due to Code Section 7702 or 7702A. |
Rider – An optional benefit purchased under the
policy. Rider availability and Rider terms may vary depending on the
state in which the policy was issued. |
Rider
Specified Amount – The portion of the Total Specified Amount attributable to the Additional Term Insurance
Rider. |
SEC – Securities and Exchange
Commission. |
Service
Center – The department of Nationwide responsible for receiving all service and transaction requests relating to the policy. For service and transaction requests submitted other than by telephone (including fax requests), the
Service Center is Nationwide's mail and document processing facility. For service and transaction requests communicated by telephone, the Service Center is Nationwide's operations processing facility. Information on how to contact the Service Center is in the Contacting the Service Center provision. |
Sub-Account(s)
– The mechanism used to account for allocations of
Net Premium and Cash Value among the
policy's variable investment options. |
Substandard
Rating – An underwriting classification based on medical and/or non-medical factors used to determine
what to charge for life insurance based on characteristics of the Insured beyond
traditional factors for standard risks, which include age, sex, and
tobacco habits of the Insured. Substandard Ratings are shown in the Policy Data Pages
as rate class multiples (medical factors) and/or monthly flat extras (medical and/or
non-medical factors). The higher the rate class multiple or monthly flat
extra, the greater the risk assessed and the higher the cost of coverage. |
Total Specified Amount – The sum of the Base Policy Specified Amount and the Rider Specified Amount, if
applicable. |
Unadjusted Accelerated Death Benefit Payment – An amount equal to the percentage of the Base Policy Specified
Amount elected multiplied by the Base Policy Specified Amount, when a payment is requested under the Accelerated Death Benefit Rider. Policy owners do not receive the unadjusted amount because it does not include risk charges and adjustments made due to the premature payment of the Base Policy
Specified Amount. |
Valuation
Period – The period during which
Nationwide determines the change in the value of the Sub-Accounts.
One Valuation Period ends and another begins as of the close of regular trading on the New
York Stock Exchange. |
Variable Account – Nationwide VL Separate Account-G, a separate
account that Nationwide established to hold
policy owner assets allocated to variable investment options. The Variable Account is divided into Sub-Accounts,
each of which invests in a separate underlying mutual fund. |
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FEES AND EXPENSES | |||
Charges for Early
Withdrawals |
Surrender Charge – For up to 10 years from the Policy Date, or effective date
of any Base Policy Specified Amount increase, a surrender charge is deducted if the policy is
surrendered, Lapses, or there is a requested decrease of the Base Policy Specified Amount (see Surrender Charge). This charge will vary based upon the individual
characteristics of the Insured. The maximum surrender charge is $50.91
per $1,000 of Specified Amount, or 5.091% of the Specified Amount. For
example, for a policy with a $100,000 Base Policy Specified Amount, a complete surrender could result in a surrender
charge of $5,091.
Partial Surrender Fee – Deducted from the partial surrender amount requested
(see Partial Surrender Fee). Currently, Nationwide waives the Partial Surrender Fee. Nationwide may elect in the future to assess a Partial Surrender Fee. The Partial
Surrender Fee assessed to each surrender will not exceed the lesser of
$25 or 2% of the amount surrendered. | ||
Transaction Charges |
The policy owner may also be charged for other transactions as follows:
• Sales Load Charge – Deducted from each Premium payment applied to a policy. • Premium Taxes Charge – Deducted from each Premium payment applied to a policy.
• Illustration Charge – Upon requesting an illustration. • Rider Charges – One time rider charges for certain benefits,
deducted upon invoking the rider.
See Standard Policy Charges and Policy Riders and Rider Charges. | ||
Ongoing Fees and
Expenses (periodic
charges) |
In addition to surrender charges and transaction charges, an investment in the
policy is subject to certain ongoing fees and expenses, including fees
and expenses covering the cost of insurance under the policy and the
cost of optional benefits available under the policy, and such fees
and expenses are set based on characteristics of the Insured (e.g.,
age, sex, and rating classification), see Standard Policy Charges and Policy Riders and Rider Charges. Please refer to the Policy Data Pages of your policy
for rates applicable to the policy. | ||
A policy owner will also bear expenses associated with the underlying mutual funds
under the policy, as shown in the following table: | |||
Annual Fee |
Minimum |
Maximum | |
Investment options (underlying mutual fund fees
and expenses) |
0.72%1 |
1.35%1 | |
|
1 As a percentage of underlying mutual fund
assets. |
RISKS | |
Risk of Loss |
Policy owners of variable life insurance can lose money by investing in the policy,
including loss of principal (see Principal Risks). |
Not a Short-Term
Investment |
The policy is not a short-term investment and is not appropriate for an investor who
needs ready access to cash (see Principal Risks).
A surrender charge may apply (see Surrender Charge). In addition, taking policy loans
may increase the risk of Lapse and may result in adverse tax consequences (see
Policy Loans). |
Risks Associated with
Investment Options |
• Investment in this policy is subject to the risk of poor investment
performance of the investment options chosen by the policy
owner. • Each investment option and each general account option will have its own unique risks.
• Review the prospectuses and disclosures for the investment options before making an
investment decision.
• Investment Experience of the policy can vary depending on the available policy
investment options selected by the Policy Owner.
See Principal Risks. |
RISKS | |
Insurance Company Risks |
Investment in the policy is subject to the risks associated with Nationwide, including that
any obligations (including under any general account options), guarantees, or
benefits are subject to the claims-paying ability of Nationwide. More information about Nationwide,
including its financial strength ratings, is available by contacting the Service Center (see
Principal Risks). |
Policy Lapse |
The policy is at risk of Lapsing when the Cash Surrender Value is insufficient to cover the
monthly policy charges, including Rider charges. Cash Surrender Value can be reduced by
unfavorable Investment Experience, policy loans, partial surrenders and the
deduction of policy charges. Payment of insufficient Premium may cause the policy to Lapse. There is
no separate additional charge associated with reinstating a Lapsed policy. The
Death Benefit will not be paid if the policy has Lapsed.
For more information, see Principal Risks and Lapse. |
RESTRICTIONS | |
Investments |
• Nationwide may restrict the form in which Sub-Account transfer requests will be
accepted (see Sub-Account Transfers).
• Nationwide may limit the frequency and dollar amount of transfers involving the fixed
interest options (see Fixed Interest Options Transfers).
• Nationwide reserves the right to add, remove, and substitute investment options
available under the policy (see Addition, Deletion, or Substitution of Mutual Funds).
|
Optional Benefits |
• Certain optional benefits may be subject to availability, eligibility, and/or invocation
requirements. Availability of certain optional benefits may be subject to Nationwide’s
underwriting approval for the optional benefit.
• Policy loans are not permitted while benefits are being paid under certain optional
benefits.
• Nationwide reserves the right to discontinue offering any optional benefit. Such a
discontinuance will only apply to new policies and will not impact
any policies already In Force.
For more information, see Policy Riders and Rider Charges. |
TAXES | |
Tax Implications |
• Consult with a tax professional to determine the tax implications of an investment in and
payments received under this policy.
• Earnings on the policy are generally not taxable to the policy owner, unless withdrawn
from the policy. Partial and full surrenders from the policy will be subject to
ordinary income tax and may be subject to a tax
penalty. For more information, see Taxes. |
CONFLICTS OF INTEREST | |
Investment Professional
Compensation |
Some financial professionals receive compensation for selling the policy.
Compensation can take the form of commission and other indirect
compensation in that Nationwide may
share the revenue it earns on this policy with the financial professional’s
firm. This conflict of interest may influence a financial
professional, as these financial professionals may have a financial
incentive to offer or recommend this policy over another investment (see A
Note on Charges). |
Exchanges |
Some financial professionals may have a financial incentive to offer an investor a new
policy in place of the one he/she already owns. An investor should only exchange
his/her policy if he/she determines, after comparing the features,
fees, and risks of both policies, that it is preferable for him/her to
purchase the new policy, rather than to continue to own the existing
one (see Exchanging the Policy for Another Life Insurance Policy). |
Transaction Fees | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Sales Load |
Upon making a Premium
payment |
Maximum:
$25 from each $1,000 of
Premium |
Currently:
$25 from each $1,000 of
Premium |
Premium Taxes |
Upon making a Premium
payment |
Maximum:
$35 from each $1,000 of
Premium |
Currently:
$35 from each $1,000 of
Premium |
Illustration Charge1 |
Upon requesting an
illustration |
Maximum:
$25 |
Currently:
$0 |
Partial Surrender Fee |
Upon a partial surrender |
Maximum:
lesser of $25 or 2% of
the amount surrendered
from the policy's Cash
Value |
Currently:
$0 |
Surrender Charge2† |
Upon surrender, policy
Lapse, and certain Base
Policy Specified Amount
decreases |
Maximum:
$50.91 per $1,000 of
Base Policy Specified
Amount |
Minimum:
$0.35 per $1,000 of Base
Policy Specified Amount |
Representative: an Issue Age 35 male
preferred non-tobacco with a Base Policy
Specified Amount and Total Specified
Amount of $500,000, Death Benefit
Option 1; and a complete surrender of the
policy in the first year |
Upon surrender or Lapse
of the Policy |
$12.12 per $1,000 of Base Policy Specified Amount
from the policy's Cash Value | |
Overloan Lapse Protection Rider
Charge† |
Upon invoking the Rider |
Maximum:
$42.50 per $1,000 of
Cash Value |
Minimum:
$1.50 per $1,000 of Cash
Value |
Representative: an Attained Age 85
Insured with a Cash Value of $500,000 |
Upon invoking the Rider |
$32 per $1,000 of Cash Value | |
Accelerated Death Benefit Rider
Charge3†
|
| ||
Administrative Expense Charge |
Upon invoking the Rider |
Maximum:
$250.00 |
Currently:
$250.00 |
Rider Charge |
Upon invoking the Rider |
Maximum:
$200 per $1,000 of
Unadjusted Accelerated
Death Benefit Payment |
Minimum: $30 per $1,000 of
Unadjusted Accelerated
Death Benefit Payment |
Transaction Fees | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Representative: an Insured of any age or
sex, an assumed life expectancy of 1 year,
an assumed interest rate of 5% and a risk
charge of 5%. |
Upon invoking the Rider |
$100 per $1,000 of Unadjusted Accelerated Death Benefit Payment |
Periodic Charges Other than Annual Underlying Mutual Fund
Expenses | |||
Base Contract Charges | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Cost of Insurance Charge† |
Monthly |
Maximum:
$83.34 per $1,000 of Net
Amount At Risk |
Minimum:
$0.00 per $1,000 of Net
Amount At Risk |
Representative: an Issue Age 35 male
preferred non-tobacco with a Base Policy
Specified Amount and Total Specified
Amount of $500,000, Death Benefit
Option 1, and policy year one |
Monthly |
$0.03 per $1,000 of Net Amount At Risk | |
Flat Extra Charge1 |
Monthly |
Maximum:
$2.08 per $1,000 of Net Amount At Risk for each Flat
Extra assessed | |
Mortality and Expense Risk Charge |
Monthly |
Maximum:
$0.25 per $1,000 of
Cash Value allocated to
the Sub-Accounts for all
policy years |
Currently:
$0.00 per $1,000 of Cash
Value allocated to the
Sub-Accounts for all
policy years |
Administrative Per Policy Charge |
Monthly |
Maximum:
$25.00 per policy |
Currently:
$25.00 per policy |
Underwriting
and Distribution Charge† |
Monthly |
Maximum:
$1.18 per $1,000 of
Base Policy Specified
Amount |
Minimum:
$0.02 per $1,000 of Base
Policy Specified Amount |
Representative: an Issue Age of 35, in the
first policy year, male preferred non-
tobacco with a Base Policy Specified
Amount of $500,000, and Death Benefit
Option 1 |
Monthly |
$0.20 per $1,000 of Base Policy Specified Amount |
Base Contract Charges | |||
Policy Loan Interest Charge2 |
Annually
and at the time of certain
events and transactions |
Maximum:
3.90% of Indebtedness |
Currently:
3.90% of Indebtedness |
Optional Benefit Charges | |||
Charge |
When Charge is
Deducted |
Amount Deducted | |
Adjusted Sales Load Life Insurance
Rider Charge |
Monthly |
Maximum for each 1% of Premium Load
replaced: $0.14 for each $1,000 of
aggregate Premiums |
Currently for each 1% of Premium Load
replaced: $0.14 for each $1,000 of aggregate
Premiums |
Children's Term Insurance Rider
Charge |
Monthly |
Maximum:
$0.43 per $1,000 of
Children’s Term
Insurance Rider
Specified Amount |
Currently:
$0.43 per $1,000 of
Children’s Term Insurance
Rider Specified Amount |
Long-Term Care Rider Charge† |
Monthly |
Maximum:
$28.65 per $1,000 of
Long-Term Care Rider
Net Amount At Risk |
Minimum:
$0.00 per $1,000 of
Long-Term Care Rider
Net Amount At Risk |
Representative: an Attained Age 35 male
preferred non-tobacco |
Monthly |
$0.02 per $1,000 of Long-Term Care Rider Net
Amount At Risk | |
Spouse Life Insurance Rider Charge† |
Monthly |
Maximum:
$10.23 per $1,000 of
Spouse Life Insurance
Rider Specified Amount |
Minimum:
$0.10 per $1,000 of
Spouse Life Insurance
Rider Specified Amount |
Representative Spouse: an
Attained Age 35 female non-
tobacco with a Spouse Life
Insurance Rider Specified
Amount of $100,000 |
Monthly |
$0.11 per $1,000 of Spouse Life Insurance Rider
Specified
Amount | |
Accidental Death Benefit Rider Charge† |
Monthly |
Maximum:
$0.75 per $1,000of
Accidental Death Benefit
Rider Specified Amount |
Minimum:
$0.05 per $1,000 of
Accidental Death Benefit
Rider Specified Amount |
Representative: an Attained
Age 35 male preferred non-
tobacco with an Accidental
Death Benefit Rider Specified
Amount of $100,000 |
Monthly |
$0.06 per $1,000 of Accidental Death Benefit Rider
Specified
Amount | |
Premium Waiver Rider Charge† |
Monthly |
Maximum:
$315 per $1,000 of
Premium Specified by
the Policy Owner |
Minimum:
$42 per $1,000 of
Premium Specified by the
Policy Owner |
Representative: an Attained
Age 35 male preferred non-
tobacco |
Monthly |
$42 per $1,000 of Premium Waiver Benefit | |
Additional Term Insurance Rider
Charge† |
Monthly |
Maximum:
$83.34 per $1,000 of Rider Death
Benefit |
Minimum: $0.02 per $1,000
of Rider Death Benefit |
Optional Benefit Charges | |||
Representative: an Issue Age
35, in the first policy year, male
preferred non-tobacco with a
Rider Specified Amount of
$250,000 and a Total Specified
Amount of $500,000 |
Monthly |
$0.03 per $1,000 of Rider Death Benefit | |
Waiver of Monthly Deductions Rider
Charge† |
Monthly |
Maximum:
$855 per $1,000 of Waiver of
Monthly Deduction Benefit |
Minimum:
$85 per $1,000 of Waiver of Monthly
Deduction Benefit |
Representative: an Attained
Age 35 male preferred non-
tobacco with a Total Specified
Amount of $500,000 and Death
Benefit Option 1 |
Monthly |
$85 per $1,000 of Waiver of Monthly Deduction Benefit |
Annual Underlying Mutual Fund Expenses | ||
|
Minimum |
Maximum |
(Expenses that are deducted from underlying mutual fund assets, including
management fees, distribution and/or service (12b-1) fees, and other
expenses, as a percentage of average underlying mutual fund net
assets.) |
0.72% |
1.35% |
Trading Behavior |
Nationwide's Response |
Six or more transfer events within
one calendar quarter |
Nationwide will mail a letter to the Policy Owner notifying them that:
(1)they have been identified as engaging in harmful trading practices; and (2)if their transfer events total 11 within two consecutive calendar quarters or 20 within one
calendar year, the Policy Owner will be limited to submitting transfer requests via
U.S. mail. |
11 transfer events within two
consecutive calendar quarters
OR
20 transfer events within one
calendar year |
Nationwide will automatically limit the Policy Owner to submitting transfer requests via U.S.
mail. |
Issue Age |
Persistency credit eligibility
begins on policy anniversary |
25
and younger |
20 |
26 |
19 |
27 |
18 |
28 |
17 |
29 |
16 |
30 |
15 |
31 |
14 |
32 |
13 |
33 |
12 |
34 |
11 |
35
and older |
10 |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Guaranteed Policy
Continuation |
During the Death
Benefit Guarantee
Period, the policy will
not Lapse if premium
requirements are
satisfied |
Standard |
• The Monthly Death Benefit Guarantee Premium can change due to action by the policy owner • When the Death Benefit Guarantee Period ends,
the policy may be at risk of Lapse
See Guaranteed Policy Continuation Provision |
Dollar Cost Averaging |
Long-term transfer
program involving
automatic transfer of
assets |
Standard |
• Transfers are only permitted from the Fixed Account and a limited number of Sub-Accounts • Transfers may not be directed to the Fixed Account
• Transfers from the Fixed Account must be no more than 1/30th of the Fixed Account value at the time the program is elected • Nationwide may modify, suspend, or discontinue
these programs at any time
• Transfers are only made monthly See Policy Owner Services |
Enhanced Dollar Cost
Averaging |
Long-term transfer
program involving
automatic transfer of
Fixed Account
allocations with higher
interest crediting rate |
Standard |
• Only available at the time of application, and only initial Premium is eligible for the program • Transfers are only permitted from the Fixed Account
• Transfers are only made monthly and only for the first policy year See Policy Owner Services |
Asset Rebalancing |
Automatic reallocation
of assets on a
predetermined
percentage basis |
Standard |
• Assets in the Fixed Account are excluded from the
program
• Rebalances only permitted on a three, six, or 12 month schedule See Policy Owner Services |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Automated Income
Monitor |
Systematic partial
surrender and/or policy
loan program to take an
income stream of
scheduled payments
from the Cash Value |
Standard |
• Only available to policies that are not modified endowment contracts • Policy owners are responsible for monitoring the
policy to prevent Lapse
• Program will terminate upon the occurrence of specified events • Nationwide may modify, suspend, or discontinue the
program at any time
See Policy Owner Services |
Overloan Lapse
Protection Rider |
Prevent the policy from
Lapsing due to
Indebtedness |
Optional |
• No longer available for new issues • Only available for policies for which the guideline
premium/cash value corridor life insurance
qualification test is elected
• Subject to eligibility requirements to invoke the Rider • Election to invoke is irrevocable
• Once invoked, all other Riders terminate (except the Additional Term Insurance Rider, if applicable) • Cash Value will be transferred to the Fixed Account
and may not be transferred out
• No further loans or partial surrenders may be taken from the policy |
Adjusted Sales Load
Life Insurance Rider |
Replacement of all or a
portion of Premium
Load with a monthly
Rider charge |
Optional |
• Only available at the time of application • A Premium Load is assessed on any amount that is
not replaced by the Rider
• The aggregate monthly Rider charges will be greater than the amount Nationwide would have deducted as Premium Load • If the policy terminates within the first 10 policy
years, Nationwide will deduct an amount from the
Cash Surrender Value to compensate for the
Premium Load replaced, but not recovered, as a
Rider charge |
Children’s Term
Insurance Rider |
Provides term life
insurance on the
Insured’s children |
Optional |
• Insurance coverage for each insured child
continues until the earlier: (1) the policy anniversary
on or next following the date the Insured’s child
turns age 22, or (2) the policy anniversary on which
the Insured reaches Attained Age 65
• Provides a conversion right, subject to limitations |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Long-Term Care Rider |
Accelerates a portion of
the Total Specified
Amount for qualified
long-term care services |
Optional |
• Underwriting requirements for the Rider are separate and distinct from the policy, and the Rider does not provide benefits for certain conditions or events • If purchased six months or more after the Policy
Date, new evidence of insurability is required
• Long-Term Care Specified Amount must be at least 10% of the Total Specified Amount and no more than 100% of the Total Specified Amount • Subject to maximum monthly benefit
• Subject to eligibility requirements to invoke the Rider • Subject to an elimination period, a 90-day waiting
period, before benefits are paid
• Written notice of claim is required • Benefit associated with the Rider may not cover all
long-term care costs incurred
• While benefit is being paid no loans or partial surrenders may be taken from the policy |
Spouse Life Insurance
Rider |
Death benefit payable
upon death of the
Insured Spouse |
Optional |
• Insured must be between Attained Age 21 and 59 when the Rider is elected • Insured Spouse must be between Attained Age 18
and 69 when the Rider is elected
• Provides a conversion right, subject to limitations |
Accelerated Death
Benefit Rider |
Provides a one-time
terminal illness benefit
payment |
Optional |
• The Rider only applies to the Insured under the base policy • Invoking the Rider is subject to eligibility
requirements
• Requested Percentage must not exceed 50% of the Base Policy Specified Amount • Amount of the accelerated death benefit payment
must be at least $10,000 and cannot exceed
$250,000
• The minimum Base Policy Specified Amount for the policy must still be met after processing the acceleration request • Timing restrictions on coverage may apply
• Receipt of accelerated death benefits may be taxable and may adversely impact eligibility for other government benefits • The value of the benefit may be reduced by
benefits paid under other Riders |
Accidental Death
Benefit Rider |
Payment of a benefit in
addition to the Death
Benefit upon the
Insured’s accidental
death |
Optional |
• Subject to eligibility requirements for accidental
death
• May be purchased on or after the policy anniversary on which Insured reaches Attained Age 5 and before the policy anniversary on which Insured reaches Attained Age 65 • Coverage continues until Insured reaches Attained
Age 70 |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of Restrictions/Limitations
|
Premium Waiver Rider |
Provides a monthly
credit to the policy upon
the Insured’s total
disability |
Optional |
• May be purchased on or after the policy anniversary on which Insured reaches Attained Age 21 and before the policy anniversary on which Insured reaches Attained Age 59 • Monthly credit applied may not be sufficient to keep
the policy from Lapsing
• Cannot be elected if the Waiver of Monthly Deductions Rider is elected • If the Insured is younger than age 63 at the time of
the total disability, coverage continues until age 65
• If the Insured is age 63 or older at the time of the total disability, coverage may continue for two years |
Change of Insured
Rider |
Allows policy owner to
change the Insured |
Optional |
• Policy owner must be an employer and the Insured an owner or employee • At the time of the change, the new Insured must
have the same business relationship to the policy
owner as did the previous Insured
• The new Insured must have been at least 18 on the Policy Date • The new Insured must satisfy Nationwide’s
underwriting requirements and may be required to
submit satisfactory evidence of insurability
• The policy must be In Force and not be in a Grace Period when the request is made and at the time of the change (the "change date") • New two-year suicide and contestability periods will
apply to the policy |
Additional Term
Insurance Rider |
Provides term life
insurance on the
Insured, in addition to
that under the base
policy |
Optional |
• Available for post-issue election until the Insured reaches Attained Age 85 • If purchase after the Policy Date, evidence of
insurability is required |
Waiver of Monthly
Deductions Rider |
Waiver of policy
charges if the Insured
becomes totally
disabled |
Optional |
• May be purchased on or after the policy
anniversary on which Insured reaches Attained Age
21 and before the policy anniversary on which
Insured reaches Attained Age 59
• Monthly charges will not be waived until the Insured has been disabled for six consecutive months • Benefit alone may not be sufficient to keep the
policy from Lapsing
• Cannot be elected if the Premium Waiver Rider is elected • If disability began before Attained Age 60, the
benefit may continue for as long as the disability
• If disability began between Attained Age 60 and 63, the benefit may continue until Attained Age 65 • If the Insured’s total disability begins after Attained
Age 63, the benefit may continue for two years |
Policy year calculated from the Policy Date or effective date of Base Policy Specified Amount Increase: |
Surrender Charge, as a percentage of the initial Surrender Charge: | |
Issue Ages 0-49 |
Issue Ages 50+ | |
1 |
100
% |
100
% |
2 |
100
% |
100
% |
3 |
100
% |
95.0
% |
4 |
100
% |
95.0
% |
5 |
95.0
% |
80.0
% |
6 |
85.0
% |
65.0
% |
7 |
70.0
% |
60.0
% |
8 |
52.0
% |
45.0
% |
9 |
30.0
% |
30.0
% |
10 |
8.3
% |
8.3
% |
11
and thereafter |
0.0
% |
0.0
% |
Example: |
Assume a policy is currently In Force and the following: |
• Insured’s Attained Age is 75 |
• Policy is in its 27th policy year |
• Death Benefit Option 1 |
• Total Specified Amount: $700,000 |
• Indebtedness: $627,000 |
• Cash Value: $660,000 |
• Applicable age-based factor for determining rider charge:
4.60%* |
* Rate is subject to change based on policy |
Using the above assumptions, a decision to invoke the Rider would impact the policy as
follows: |
(1) The death benefit option will remain at Death Benefit Option 1. |
(2) The one-time charge for invoking the Rider will be $30,360 ($660,000 x 4.60%) and will
be deducted from the Cash Value, reducing the Cash Value to $629,640.
|
(3) The Total Specified Amount will remain at $700,000 since it is less than the Minimum
Required Death Benefit of $712,611.90. |
(4) The non-loaned Cash Value $2,640 ($629,640 - $627,000) will be transferred to the
Fixed Account where it will earn at least the minimum guaranteed fixed interest
rate. |
(5) The policy loan account ($627,000) will continue to earn interest at the policy's loan
crediting rate. |
(6) The Indebtedness ($627,000) will continue to grow at the policy's loan interest charged
rate. |
(7) After this Rider is invoked, no other changes to the policy can be made |
Example: |
Assume the policy owner anticipated making Premium payments for five years. Therefore,
the policy owner could expect to have the Rider charge assessed for 14 years (nine
years plus five years). However, the policy owner actually makes the last
Premium payment in policy year three and does not make any additional
Premium payments. Since the policy owner did not get full "use" of the
Rider (the policy owner only received three years worth of Premium Load
replacement), the Rider charge will only be assessed for 12 policy years
(nine years plus the three years' worth of benefit received). |
Policy Year |
Percentage |
1 |
100
% |
2 |
90
% |
3 |
80
% |
4 |
70
% |
5 |
60
% |
6 |
50
% |
7 |
40
% |
8 |
30
% |
9 |
20
% |
10 |
10
% |
11
and later |
0
% |
Example: |
Assume the policy owner elected to replace the Premium Load for seven years. During the
fifth policy year, the policy owner terminates the policy. During the five years the
policy was In Force, $10,000 of Premium was paid. The amount of Premium
Load that the Rider replaced is $400 ($40 for each $1,000 of Premium).
Therefore, Nationwide will deduct $240 (60% of $400) from the
policy’s Cash Surrender Value. |
Example: |
Assume the Children’s Term Insurance Rider Specified Amount is $15,000 and the Insured
has two children that meet the definition of insured child and the Rider is In Force.
If one of the children dies, $15,000 will be paid to the named
beneficiary. The rider would continue to remain in effect as long the
second child meets the definition of insured child. Upon the death of the
second insured child, an additional $15,000 would be paid to the named
beneficiary as long as coverage under the Rider has not otherwise
terminated. |
Example: |
Assume the Long-Term Care Specified Amount is $500,000. If the invocation requirements
below are satisfied and the 90-day elimination period has been satisfied, the Owner can
choose a monthly benefit up to 2% of the Long-Term Care Specified Amount
($10,000). If there is no Indebtedness, this monthly benefit will be paid
until either the Insured no longer meets the eligibility requirements or
the entire $500,000 has been paid. If there is Indebtedness, monthly
benefits will end when the accumulated benefits become greater than or
equal to the Long-Term Care Specified Amount minus Indebtedness. |
Example: |
Assume wife (the Insured) purchased a policy and elected the Spouse Life Insurance Rider
with a Spouse Life Insurance Rider Specified Amount of $50,000 and named husband as
the Insured Spouse. Both the Insured and Insured Spouse met the age
requirements for the Rider at the time of election. If Insured Spouse
dies prior to reaching Attained Age 70 and the Rider has not otherwise
terminated, a death benefit in the amount of $50,000 is payable to the
designated beneficiary. |
ADB |
= |
[RP (SA)] – [RC + (RP x OPL) + UP + AEC] |
Where: |
| |
ADB |
= |
Accelerated Death Benefit |
RP |
= |
Requested Percentage |
SA |
= |
Base Policy Specified Amount at the time the benefit is calculated |
RC |
= |
Rider charge |
OPL |
= |
outstanding policy loans on the date the benefit is calculated |
UP |
= |
any unpaid Premium which is the amount of any Premium that might be due or payable if the policy is in a
Grace Period on the date the benefit is calculated |
AEC |
= |
Administrative Expense Charge |
Example: | ||
Assume the Base Policy Specified Amount is $100,000, the Cash Value (CV) is $42,000,
and the Requested Percentage (RP) of the Base Policy Specified Amount is 50%. Also
assume Indebtedness in the amount of $10,000, unpaid Premium of $500, an
aggregate Rider charge of $3,500, and an Administrative Expense Charge of
$250. | ||
Using the above assumptions, here is how the Accelerated Death Benefit (ADB) would be
calculated. | ||
ADB |
= |
[50% x $100,000)] – [$3,500 + (50% x $10,000) + $500 + $250] |
ADB |
= |
[$50,000] – [$3,500 + $5,000 + $500 + $250] |
ADB |
= |
[$50,000] – [$9,250] |
ADB |
= |
$40,750 |
| ||
The reduction factor for calculating the remaining Base Policy Specified Amount and Cash
Value is calculated as (1 – RP). (1 - .5) = .5 | ||
| ||
.5 x $100,000 = $50,000 the remaining Base Policy Specified Amount | ||
.5 x $42,000 = $21,000 the remaining Cash Value | ||
|
Example: |
Assume the policy is issued with a Base Policy Specified Amount of $500,000, an
Accidental Death Benefit Rider Specified Amount of $100,000, and Death Benefit Option
1. If the Insured dies by accident as defined above prior to reaching
Attained Age 70, the total death benefit paid to the beneficiary would be
$600,000, as long as the Rider has not otherwise terminated.
|
Example: |
Assume the policy is currently In Force, the Rider is not otherwise terminated, and the
following: |
• The Insured has been totally disabled for six consecutive
months; |
• At the time of disability, the policy was in its 8th policy year and the
Insured’s Attained Age was 59; |
• The Premium Waiver Rider Specified Premium is $700; and
|
• The Premiums paid over the 36 months prior to disability totaled
$24,120. |
Since the average monthly Premium paid over the 36 months prior to the disability was
$670 ($24,120 divided by 36), $670 will be credited to the policy’s Cash Value on
each Policy Monthaversary only until the Insured reaches Attained Age 65,
or until the Insured is no longer disabled, if earlier.
|
Example: |
Assume the following: |
• The policy owner is Company X; |
• The Insured at the time of policy issue was an executive officer of
Company X; |
• The Insured retires while the policy is In Force and not in a Grace
Period; |
• Company X applies to change the Insured to its new executive
officer; |
• The new executive officer meets Nationwide’s insurability and
underwriting requirements; and |
• Benefits under the Extended Death Benefit Guarantee Rider have not
begun. |
Coverage of the new Insured shall become effective on the date the Insured is changed,
and the policy charges will reflect the new Insured’s Attained Age, rate type and
rate classification. The Death Benefit Proceeds will be paid out after
the death of the new Insured. |
Example: |
Assume the Base Policy Specified Amount is $500,000, Death Benefit Option 2, the Cash
Value is $40,000 and the Additional Term Insurance Rider Specified Amount is $300,000.
Upon the death of the Insured, if there is no Indebtedness and no
Long-Term Care benefits have been paid, the Death Benefit Proceeds under
the base policy will be $540,000 and the Additional Term Insurance Death
Benefit Proceeds will be $300,000, for a total of $840,000. |
Example: |
Assume the following: |
• The Waiver of Monthly Deductions Rider is elected and the Premium Waiver
Rider has not been purchased;
• The Insured has been totally disabled for six consecutive months and the Insured’s
disability is not a result of a risk not assumed; and
• At the time of disability, the Insured’s Attained Age was 57. The policy’s monthly deductions will be waived (not deducted from the Cash Value) until the
Insured is no longer disabled, or until the Waiver of Monthly Deductions Rider is
terminated. |
Example: |
Policy Owner elects to participate in Dollar Cost Averaging and has transferred $30,000 to
the Fixed Account, which will serve as the source investment option for her Dollar Cost
Averaging program. She would like the Dollar Cost Averaging transfers to
be allocated as follows: $1,500 to Sub-Account L and $1,000 to
Sub-Account M. Each month, Nationwide will automatically transfer $2,500
from the Fixed Account and allocate $1,000 to Sub- Account M and $1,500 to
Sub-Account L until the Fixed Account is depleted. |
Beginning of Month |
Fraction of Cash Value
Transferred |
2 |
1/11 |
3 |
1/10 |
4 |
1/9 |
5 |
1/8 |
6 |
1/7 |
7 |
1/6 |
8 |
1/5 |
9 |
1/4 |
10 |
1/3 |
11 |
1/2 |
12 |
Remaining
Amount |
Example: |
At the time of application, the Policy Owner elects to participate in Enhanced Dollar Cost
Averaging and submits an initial Premium of $25,000 to be allocated to the Fixed
Account, which will receive an enhanced interest crediting rate. He would
like the Enhanced Dollar Cost Averaging transfers to be allocated as
follows: 40% to Sub-Account L and 60% to Sub- Account M. Each month,
Nationwide will automatically transfer Cash Value to the selected
Sub-Accounts based on the schedule above (1/11 of the Cash Value will be transferred at
the beginning of month 2; 1/10 of the Cash Value will be transferred at
the beginning of month 3; etc.). |
Example: |
Policy Owner elects to participate in Asset Rebalancing and has instructed his Cash Value
be allocated as follows and rebalanced on a quarterly basis: 40% to Sub-Account A, 40%
to Sub-Account B, and 20% to Sub-Account C. Each quarter, Nationwide will
automatically rebalance Policy Owner’s Cash Value by transferring
Cash Value among the three elected Sub-Accounts so that his 40%/40%/20%
allocation remains intact. |
Example: |
Assume: |
• Insured’s Issue Age was 45. |
• Policy owner paid Premiums totaling $490,000 during the first 25 policy
years. |
• Just prior to policy year 26 (Attained Age 70) the policy’s Cash
Value is just over $1,000,000 and the Investment in the Contract is
$490,000. |
• The policy owner completes an Automated Income Monitor election form and
chooses a 5% gross rate of return, a goal of $100,000 Cash Surrender
Value at Attained Age 95 and the Fixed Duration option for 25
years. |
• The first AIM In Force illustration is run that solves for an annual
income amount at an assumed 5% gross rate of return and a goal of at
least $100,000 of Cash Surrender Value at Attained Age 95. The result
of the solve is an annual income amount of $66,720. |
A partial surrender of $66,720 will be processed and sent to the policy owner. Each year
thereafter, if the Automated Income Monitor program has not been terminated, another
illustration will be run with the same assumptions and income solve. The
appropriate partial surrender amount based on each solve will be
processed. This will continue until the entire $490,000 Investment in the
Contract has been distributed through partial surrenders, then the income
amounts will be processed as loans. |
Example: |
Assume the following: |
• The policy’s Cash Value is $43,000 and it is allocated entirely to
the Sub-Accounts. |
• There is no existing Indebtedness. |
• The Policy Owner has requested a $6,000 policy loan at the beginning of
the first Policy Year. |
*For reference, the maximum policy loan would be $38,700 = $43,000 x 90% - $0.00
(Indebtedness) |
Once the $6,000 loan is approved, $6,000 is paid directly to the Policy Owner from
Nationwide. $6,000 is transferred from the Sub-Accounts to the policy loan account.
This serves as collateral for Nationwide. The policy’s Indebtedness
on the day of the loan is $6,000. |
• At the end of the first Policy Year, assume the only loan the Policy Owner
requested was the $6,000 loan. Assuming the Policy Owner has not made
any loan repayments, the Indebtedness at the end of the next occurring
policy anniversary is $6,120 due to $120 of accrued loan interest
during the year ($6,000 + $120 = $6,120). Should a claim for the Death
Benefit Proceeds be made, the Proceeds would be reduced by the $6,120
Indebtedness. |
• Assuming no loan repayments are ever made, Indebtedness continues to
accrue interest. All unpaid loan interest will also be treated as new
policy loans and loan interest will continue to accumulate as
Indebtedness |
• If the Policy Owner submits a loan repayment, the amount of the loan
repayment will be transferred from the policy loan account and credited
to the Cash Value. |
• If any Indebtedness exists when the Surrender Proceeds or Death Benefit
Proceeds become payable, the Proceeds will be reduced by the total
Indebtedness. |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Asset Strategy
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Asset Strategy:
Class II) This Sub-Account is only available in policies issued
before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.85%* |
13.90% |
8.27% |
3.48% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Balanced
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Balanced: Class
II) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
1.03%* |
16.09% |
9.49% |
6.37% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Core Equity
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Core Equity:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
0.95%* |
23.51% |
15.97% |
10.57% |
Fixed Income |
Ivy Variable Insurance Portfolios - Macquarie VIP Corporate
Bond Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Corporate Bond:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.78%* |
7.27% |
2.18% |
2.14% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Energy Series:
Service Class (formerly, Ivy Variable Insurance
Portfolios - Delaware Ivy Energy: Class
II) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.17%* |
4.05% |
7.75% |
-2.42% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Global Growth
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Global Growth:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.04%* |
19.90% |
12.10% |
7.66% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Growth Series:
Service Class (formerly, Ivy Variable Insurance
Portfolios - Delaware Ivy Growth: Class
II) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.00% |
38.00% |
18.41% |
14.09% |
Fixed Income |
Ivy Variable Insurance Portfolios - Macquarie VIP High Income
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy High Income:
Class II) This Sub-Account is only available in policies issued
before May 1, 2017
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.96% |
11.95% |
4.46% |
3.70% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP International
Core Equity Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
International Core Equity: Class II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.11%* |
15.65% |
7.56% |
4.00% |
Fixed Income |
Ivy Variable Insurance Portfolios - Macquarie VIP Limited-Term
Bond Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Limited-Term
Bond: Class II) Investment Advisor: Delaware Management Company, a
series of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited;Macquarie Investment Management Austria Kapitalanlage
AG;Macquarie Investment Management Europe Limited |
0.79%* |
4.73% |
1.62% |
1.41% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Mid Cap
Growth Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy Mid
Cap Growth: Class II) Investment Advisor: Delaware Management
Company, a series of Macquarie Investment Management Business Trust
(a Delaware statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.10%* |
19.59% |
14.63% |
10.47% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Natural
Resources Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
Natural Resources: Class II) Investment Advisor: Delaware Management
Company, a series of Macquarie Investment Management Business Trust
(a Delaware statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.30% |
1.63% |
7.86% |
-0.36% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Aggressive Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
Pathfinder Aggressive: Class II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Austria
Kapitalanlage AG |
1.13% |
17.51% |
10.66% |
7.70% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Conservative Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
Pathfinder Conservative: Class II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Austria
Kapitalanlage AG |
0.99% |
12.53% |
6.59% |
4.76% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderate - Managed Volatility Series: Service Class
(formerly, Ivy Variable Insurance Portfolios -
Delaware Ivy Pathfinder Moderate - Managed
Volatility: Class II) Investment Advisor: Delaware Management
Company, a series of Macquarie Investment Management Business Trust
(a Delaware statutory trust)
Investment Sub-Advisor: Securian Asset Management, Inc.;
Macquarie Investment Management Global Limited; Macquarie
Investment Management Austria Kapitalanlage AG; Macquarie
Investment Management Europe Limited |
1.15%* |
14.09% |
7.44% |
5.10% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderate Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
Pathfinder Moderate: Class II) Investment Advisor: Delaware
Management Company, a series of Macquarie Investment Management
Business Trust (a Delaware statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Austria
Kapitalanlage AG |
0.97% |
15.33% |
8.81% |
6.18% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderately Aggressive - Managed Volatility Series:
Service Class (formerly, Ivy Variable Insurance
Portfolios - Delaware Ivy Pathfinder Moderately
Aggressive - Managed Volatility: Class II) Investment Advisor:
Delaware Management Company, a series of Macquarie Investment
Management Business Trust (a Delaware statutory trust)
Investment Sub-Advisor: Securian Asset Management, Inc.;
Macquarie Investment Management Global Limited; Macquarie
Investment Management Austria Kapitalanlage AG; Macquarie
Investment Management Europe Limited |
1.17%* |
15.41% |
8.40% |
5.71% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderately Aggressive Series: Service Class
(formerly, Ivy Variable Insurance Portfolios -
Delaware Ivy Pathfinder Moderately Aggressive:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Austria
Kapitalanlage AG |
0.97% |
16.53% |
9.87% |
6.90% |
Type |
Underlying Mutual Fund and Adviser/
Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2023) | ||
1 year |
5 year |
10 year | |||
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderately Conservative - Managed Volatility
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy Pathfinder
Moderately Conservative - Managed Volatility: Class
II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Securian Asset Management, Inc.;
Macquarie Investment Management Global Limited; Macquarie
Investment Management Austria Kapitalanlage AG; Macquarie
Investment Management Europe Limited |
1.14%* |
12.62% |
6.51% |
4.44% |
Allocation |
Ivy Variable Insurance Portfolios - Macquarie VIP Pathfinder
Moderately Conservative Series: Service Class
(formerly, Ivy Variable Insurance Portfolios -
Delaware Ivy Pathfinder Moderately Conservative:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Austria
Kapitalanlage AG |
0.95% |
13.99% |
7.70% |
5.51% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Science and
Technology Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy
Science and Technology: Class II)
Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.15% |
39.05% |
17.17% |
10.87% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Small Cap
Growth Series: Service Class (formerly, Ivy
Variable Insurance Portfolios - Delaware Ivy Small
Cap Growth: Class II) Investment Advisor: Delaware Management
Company, a series of Macquarie Investment Management Business Trust
(a Delaware statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.14%* |
13.11% |
7.89% |
6.28% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Smid Cap Core
Series: Service Class (formerly, Ivy Variable
Insurance Portfolios - Delaware Ivy SMID Cap Core:
Class II) Investment Advisor: Delaware Management Company, a series
of Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.17% |
15.71% |
9.63% |
7.70% |
Equity |
Ivy Variable Insurance Portfolios - Macquarie VIP Value Series:
Service Class (formerly, Ivy Variable Insurance
Portfolios - Delaware Ivy Value: Class
II) Investment Advisor: Delaware Management Company, a series of
Macquarie Investment Management Business Trust (a Delaware
statutory trust)
Investment Sub-Advisor: Macquarie Investment Management Global
Limited |
1.00%* |
8.27% |
11.72% |
7.96% |
Fixed Income |
Nationwide Variable Insurance Trust - NVIT Government Money
Market Fund: Class II
Investment Advisor: Nationwide Fund Advisors
Investment Sub-Advisor: Federated Investment Management
Company |
0.72% |
4.49% |
1.45% |
0.86% |
State |
State Law Variations |
California |
• Right to Cancel – 30 day right to examine and cancel. Refund of the Cash Value in full,
without any deductions for any applicable policy fees. Net Premium will be placed
in the Fixed Account or a money-market Sub-Account unless directed
otherwise. If invested in the Variable Account, refund will be the
policy’s Cash Value, plus any policy fees paid.
• Long-Term Care Rider is titled Accelerated Death Benefit Rider. |
Colorado |
• In addition to the right to elect to irrevocably transfer 100% of the policy's Cash Value to
the Fixed Account within the first twenty-four months from the Policy Date
provided under "Right of Conversion," you may also elect to
irrevocably transfer 100% of the policy's Cash Value to the Fixed
Account within the later of sixty days from the date of a change in
the investment policy of a Sub-Account or sixty days from when we notify you of your option to make such transfer. • The suicide provision is one year from the Policy Date, reinstatement
date, effective date of a Specified Amount increase, or Rider
effective date. |
Connecticut |
• The right to exchange the policy for a different policy provided under "Exchanging the
Policy," is limited to within eighteen months from the Policy Date.
|
Florida |
• There is no "Risk Charge" component used in determining the charge for the Accelerated Death Benefit Rider. |
Maryland |
• The right to exchange the policy for a different policy provided under "Exchanging the
Policy," is limited to within eighteen months from the Policy Date.
• Long-Term Care Rider is titled Accelerated Death Benefit for Long-Term Care Rider. |
Massachusetts |
• Under "Right of Conversion," you may also elect to irrevocably transfer 100% of the
policy's Cash Value to the fixed account within the later of sixty days from the
date of a change in the investment policy of a Sub-Account or sixty
days from when we notify you of your option to make such
transfer. |
Montana |
• Policy and Rider charges are required to be on a unisex basis. This is accomplished by
treating all Insured's as male for purposes of charges that otherwise would vary
by sex. Therefore, none of the charges described in the prospectus
as varying by sex, or by characteristics of the Insured, will vary
by sex for policies issued in Montana. |
New Jersey |
• Extends spousal rights to a party to a civil union. |
North Dakota |
• Suicide provision is one year. |
Pennsylvania |
• Accelerated Death Benefit Rider is not available. |
South Carolina |
• Long-Term Care Rider title is Qualified Long-Term Care Rider. |
Texas |
• There is no "Risk Charge" component used in determining the charge for the Accelerated Death Benefit Rider. |
Washington |
• Accelerated Death Benefit Rider is not available. |
(a) |
= |
the Base Policy Specified Amount multiplied by the rate indicated on the chart "Surrender Target Factor" below
divided by 1,000; and |
(b) |
= |
Premiums paid by the policy owner during the first policy year; |
(p) |
= |
the surrender charge percentage in the range 21% - 85% which varies by issue age, sex, Total Specified
Amount, and Death Benefit option, from the "Surrender Charge Percentage" chart below;
|
(c) |
= |
the Base Policy Specified Amount divided by 1,000; |
(d) |
= |
the applicable rate from the "Administrative Target Factor" chart below; |
(e) |
= |
the applicable percentage from the "Reduction of Surrender Charges" table |
Policy year calculated from the Policy Date or effective date of Base Policy Specified Amount Increase: |
Surrender Charge, as a percentage of the initial Surrender Charge: | |
Issue Ages 0-49 |
Issue Ages 50+ | |
1 |
100
% |
100
% |
2 |
100
% |
100
% |
3 |
100
% |
95.0
% |
4 |
100
% |
95.0
% |
5 |
95.0
% |
80.0
% |
6 |
85.0
% |
65.0
% |
7 |
70.0
% |
60.0
% |
8 |
52.0
% |
45.0
% |
9 |
30.0
% |
30.0
% |
10 |
8.3
% |
8.3
% |
11
and thereafter |
0.0
% |
0.0
% |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) | |||
(a) |
= |
($1,000,000 / 1,000) x 54.143 =$54,143.00 |
(c) |
= |
$1,000,000 / 1000 =$1000 |
(b) |
= |
$100,000 |
(d) |
= |
5.45 |
(p) |
= |
0.83947 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($54,143.00 x 0.83947) + ($1,000 x 5.45)] x 100% |
|
= |
[$45,451.42 + $5,450] x 100% |
|
= |
$50,901.42 which corresponds to $50.91 per $1,000 of Base Policy Specified Amount ($50,901.42 / $1000). |
SC |
= |
$50,901.42 x 80.0% =$40,721.14 which corresponds to $40.73 per $1,000 of Base Policy Specified Amount
($40,721.14 / $1000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($10,000,000 / 1,000) x 1.637 =$16,370.00 |
(c) |
= |
$10,000,000 / 1000 =$10,000 |
(b) |
= |
$2,253.16 |
(d) |
= |
4.00 |
(p) |
= |
0.85 |
(e) |
= |
8.30% |
(b) is less than (a), so: | ||
SC |
= |
[($2,253.16 x 0.85) + ($10,000 x 4)] x 8.30% |
|
= |
[$1,915.19 + $40,000] x 8.30% |
|
= |
$41,915.19 x 8.30% |
|
= |
$3,478.96 which corresponds to $0.35 per $1,000 of Base Policy Specified Amount ($3,478.96/$10,000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($500,000 / 1,000) x 8.963 =$4,481.50 |
(c) |
= |
$500,000 / 1000 =$500 |
(b) |
= |
$7,000 |
(d) |
= |
4.50 |
(p) |
= |
0.8500 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$4,481.50 x (0.8500) + $500 x 4.50] x 100% |
|
= |
[$3,809.28 + $2,250] x 100% |
|
= |
$6,059.28 which corresponds to $12.12 per $1,000 of Base Policy Specified Amount ($6,059.28 / $500). |
SC |
= |
$6,059.28 x 95% =$5,756.31 which corresponds to $11.52 per $1,000 of Base Policy Specified Amount
($5,756.31 / $500). |
SC |
= |
$6,059.28 x 0.0% =$0.00. |
SC |
= |
[[the lesser of(a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.66625 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.66625) + $100 x 7.50] x 100% |
|
= |
[$597.16+ $750] x 100% |
|
= |
$1,347.16 which corresponds to $13.48 per $1,000 of Base Policy Specified Amount ($1,347.16 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 9.419 =$941.90 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.68183 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[$941.90 x (0.68183) + $100 x 7.50] x 100% |
|
= |
[$642.22+ $750] x 100% |
|
= |
$1,392.22 which corresponds to $13.93 per $1,000 of Base Policy Specified Amount ($1,392.22 / $100). |
SC |
= |
$1,347.16 x 70.0% =$943.01 which corresponds to $9.44 per $1,000 of Base Policy Specified Amount ($943.01
/ $100). |
SC |
= |
$1,392.22 x 95.0% =$1,322.61 which corresponds to $13.23 per $1,000 of Base Policy Specified Amount
($1,322.61/ $100). |
SC |
= |
$943.01 + $1,322.61=$2,265.62 which corresponds to $11.33 per $1,000 of Base Policy Specified Amount
($2,265.62/ $200). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.74539 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.74539) + $100 x 7.50] x 95% |
|
= |
[$668.09+ $750] x 95% |
|
= |
$1,418.09 x 95% |
|
= |
$1,347.19 which corresponds to $13.48 per $1,000 of Base Policy Specified Amount ($1,347.19 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.66625 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[$896.30 x (0.66625) + $100 x 7.50] x 95% |
|
= |
[$597.16+ $750] x 95% |
|
= |
$1,347.16 x 95% |
|
= |
$1,279.80 which corresponds to $12.80 per $1,000 of Base Policy Specified Amount ($1,279.80 / $100). |
Issue Age |
Male |
Female |
0 |
1.917 |
1.508 |
1 |
1.967 |
1.575 |
2 |
2.039 |
1.637 |
3 |
2.125 |
1.708 |
4 |
2.221 |
1.786 |
5 |
2.325 |
1.868 |
6 |
2.436 |
1.955 |
7 |
2.552 |
2.047 |
8 |
2.674 |
2.143 |
9 |
2.803 |
2.243 |
10 |
2.938 |
2.349 |
11 |
3.081 |
2.460 |
12 |
3.230 |
2.577 |
13 |
3.384 |
2.698 |
14 |
3.543 |
2.823 |
15 |
3.707 |
2.955 |
16 |
3.872 |
3.092 |
17 |
4.040 |
3.235 |
18 |
4.209 |
3.384 |
19 |
4.385 |
3.541 |
20 |
4.568 |
3.706 |
21 |
4.761 |
3.879 |
22 |
4.965 |
4.061 |
23 |
5.180 |
4.253 |
24 |
5.408 |
4.456 |
25 |
5.647 |
4.669 |
26 |
5.900 |
4.894 |
27 |
6.165 |
5.131 |
28 |
6.444 |
5.380 |
Issue Age |
Male |
Female |
29 |
6.740 |
5.642 |
30 |
7.055 |
5.919 |
31 |
7.391 |
6.211 |
32 |
7.749 |
6.518 |
33 |
8.129 |
6.842 |
34 |
8.534 |
7.183 |
35 |
8.963 |
7.542 |
36 |
9.419 |
7.919 |
37 |
9.901 |
8.317 |
38 |
10.412 |
8.736 |
39 |
10.953 |
9.179 |
40 |
11.526 |
9.649 |
41 |
12.132 |
10.145 |
42 |
12.773 |
10.671 |
43 |
13.451 |
11.228 |
44 |
14.166 |
11.817 |
45 |
14.920 |
12.439 |
46 |
15.715 |
13.098 |
47 |
16.555 |
13.794 |
48 |
17.444 |
14.527 |
49 |
18.394 |
15.302 |
50 |
19.411 |
16.118 |
51 |
20.496 |
16.978 |
52 |
21.654 |
17.884 |
53 |
22.886 |
18.838 |
54 |
24.195 |
19.843 |
55 |
25.582 |
20.903 |
56 |
27.049 |
22.020 |
57 |
28.604 |
23.197 |
Issue Age |
Male |
Female |
58 |
30.252 |
24.438 |
59 |
32.018 |
25.747 |
60 |
33.911 |
27.134 |
61 |
35.934 |
28.605 |
62 |
38.087 |
30.168 |
63 |
40.370 |
31.830 |
64 |
42.787 |
33.603 |
65 |
45.353 |
35.495 |
66 |
48.082 |
37.517 |
67 |
51.001 |
39.681 |
68 |
54.143 |
41.998 |
69 |
57.533 |
44.483 |
70 |
61.214 |
47.151 |
71 |
65.204 |
50.016 |
72 |
69.535 |
53.091 |
73 |
74.176 |
56.393 |
74 |
79.176 |
59.946 |
75 |
84.594 |
63.775 |
76 |
90.474 |
67.909 |
77 |
96.879 |
72.382 |
78 |
103.836 |
77.234 |
79 |
111.356 |
82.512 |
80 |
119.438 |
88.272 |
81 |
128.132 |
94.582 |
82 |
137.421 |
101.353 |
83 |
147.421 |
108.605 |
84 |
158.220 |
116.462 |
85 |
169.864 |
124.985 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
0 |
6.00 |
4.00 |
4.00 |
4.00 |
1 |
6.00 |
4.00 |
4.00 |
4.00 |
2 |
6.00 |
4.00 |
4.00 |
4.00 |
3 |
6.00 |
4.00 |
4.00 |
4.00 |
4 |
6.00 |
4.00 |
4.00 |
4.00 |
5 |
6.00 |
4.00 |
4.00 |
4.00 |
6 |
6.00 |
4.00 |
4.00 |
4.00 |
7 |
6.00 |
4.00 |
4.00 |
4.00 |
8 |
6.00 |
4.00 |
4.00 |
4.00 |
9 |
6.00 |
4.00 |
4.00 |
4.00 |
10 |
6.00 |
4.00 |
4.00 |
4.00 |
11 |
6.00 |
4.00 |
4.00 |
4.00 |
12 |
6.00 |
4.00 |
4.00 |
4.00 |
13 |
6.00 |
4.00 |
4.00 |
4.00 |
14 |
6.00 |
4.00 |
4.00 |
4.00 |
15 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
16 |
6.00 |
4.00 |
4.00 |
4.00 |
17 |
6.00 |
4.00 |
4.00 |
4.00 |
18 |
6.00 |
4.00 |
4.00 |
4.00 |
19 |
6.00 |
4.00 |
4.00 |
4.00 |
20 |
6.00 |
4.00 |
4.00 |
4.00 |
21 |
6.00 |
4.00 |
4.00 |
4.00 |
22 |
6.00 |
4.00 |
4.00 |
4.00 |
23 |
6.00 |
4.00 |
4.00 |
4.00 |
24 |
6.00 |
4.00 |
4.00 |
4.00 |
25 |
6.00 |
4.00 |
4.00 |
4.00 |
26 |
6.15 |
4.05 |
4.05 |
4.05 |
27 |
6.30 |
4.10 |
4.10 |
4.10 |
28 |
6.45 |
4.15 |
4.15 |
4.15 |
29 |
6.60 |
4.20 |
4.20 |
4.20 |
30 |
6.75 |
4.25 |
4.25 |
4.25 |
31 |
6.90 |
4.30 |
4.30 |
4.30 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
32 |
7.05 |
4.35 |
4.35 |
4.35 |
33 |
7.20 |
4.40 |
4.40 |
4.40 |
34 |
7.35 |
4.45 |
4.45 |
4.45 |
35 |
7.50 |
4.50 |
4.50 |
4.50 |
36 |
7.50 |
4.55 |
4.55 |
4.55 |
37 |
7.50 |
4.60 |
4.60 |
4.60 |
38 |
7.50 |
4.65 |
4.65 |
4.65 |
39 |
7.50 |
4.70 |
4.70 |
4.70 |
40 |
7.50 |
4.75 |
4.75 |
4.75 |
41 |
7.50 |
4.80 |
4.80 |
4.80 |
42 |
7.50 |
4.85 |
4.85 |
4.85 |
43 |
7.50 |
4.90 |
4.90 |
4.90 |
44 |
7.50 |
4.95 |
4.95 |
4.95 |
45 |
7.50 |
5.00 |
5.00 |
5.00 |
46 |
7.50 |
5.00 |
5.00 |
5.00 |
47 |
7.50 |
5.00 |
5.00 |
5.00 |
48 |
7.50 |
5.00 |
5.00 |
5.00 |
49 |
7.50 |
5.00 |
5.00 |
5.00 |
50 |
7.50 |
5.00 |
5.00 |
5.00 |
51 |
7.50 |
5.00 |
5.00 |
5.00 |
52 |
7.50 |
5.00 |
5.00 |
5.00 |
53 |
7.50 |
5.00 |
5.00 |
5.00 |
54 |
7.50 |
5.00 |
5.00 |
5.00 |
55 |
7.50 |
5.00 |
5.00 |
5.00 |
56 |
7.50 |
5.00 |
5.00 |
5.00 |
57 |
7.50 |
5.00 |
5.00 |
5.00 |
58 |
7.50 |
5.00 |
5.00 |
5.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
59 |
7.50 |
5.00 |
5.00 |
5.00 |
60 |
7.50 |
5.00 |
5.00 |
5.00 |
61 |
7.50 |
5.00 |
5.00 |
5.00 |
62 |
7.50 |
5.00 |
5.00 |
5.00 |
63 |
7.50 |
5.00 |
5.00 |
5.00 |
64 |
7.50 |
5.00 |
5.00 |
5.00 |
65 |
7.50 |
5.00 |
5.00 |
5.00 |
66 |
7.60 |
5.15 |
5.15 |
5.15 |
67 |
7.70 |
5.30 |
5.30 |
5.30 |
68 |
7.80 |
5.45 |
5.45 |
5.45 |
69 |
7.90 |
5.60 |
5.60 |
5.60 |
70 |
8.00 |
5.75 |
5.75 |
5.75 |
71 |
8.10 |
5.90 |
5.90 |
5.90 |
72 |
8.20 |
6.05 |
6.05 |
6.05 |
73 |
8.30 |
6.20 |
6.20 |
6.20 |
74 |
8.40 |
6.35 |
6.35 |
6.35 |
75 |
8.50 |
6.50 |
6.50 |
6.50 |
76 |
8.55 |
6.65 |
6.65 |
6.65 |
77 |
8.60 |
6.80 |
6.80 |
6.80 |
78 |
8.65 |
6.95 |
6.95 |
6.95 |
79 |
8.70 |
7.10 |
7.10 |
7.10 |
80 |
8.75 |
7.25 |
7.25 |
7.25 |
81 |
8.80 |
7.40 |
7.40 |
7.40 |
82 |
8.85 |
7.55 |
7.55 |
7.55 |
83 |
8.90 |
7.70 |
7.70 |
7.70 |
84 |
8.95 |
7.85 |
7.85 |
7.85 |
85 |
9.00 |
8.00 |
8.00 |
8.00 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.85000 |
0.83651 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.84310 |
0.81068 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.82310 |
0.78764 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.80537 |
0.76707 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.78965 |
0.74908 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.77589 |
0.73336 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.76411 |
0.71970 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.75390 |
0.70803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.74539 |
0.69809 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.75620 |
0.71080 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.76665 |
0.72296 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.77679 |
0.73458 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.78651 |
0.74577 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.79590 |
0.75646 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.80510 |
0.76687 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.81401 |
0.77684 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.82253 |
0.78637 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.83078 |
0.79561 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.83844 |
0.80456 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
46 |
0.84497 |
0.81245 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.85000 |
0.82010 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.85000 |
0.82751 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.85000 |
0.83466 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.80100 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.74952 |
0.85000 |
0.81090 |
0.85000 |
0.82934 |
0.85000 |
0.83947 |
0.85000 | |||
69 |
0.70119 |
0.85000 |
0.75807 |
0.85000 |
0.77491 |
0.85000 |
0.78407 |
0.85000 | |||
70 |
0.65545 |
0.85000 |
0.70809 |
0.85000 |
0.72344 |
0.85000 |
0.73170 |
0.85000 | |||
71 |
0.61212 |
0.80100 |
0.66077 |
0.85000 |
0.67474 |
0.85000 |
0.68217 |
0.85000 | |||
72 |
0.57099 |
0.75047 |
0.61588 |
0.80932 |
0.62857 |
0.82599 |
0.63522 |
0.83473 | |||
73 |
0.53209 |
0.70293 |
0.57349 |
0.75745 |
0.58499 |
0.77263 |
0.59094 |
0.78048 | |||
74 |
0.49520 |
0.65774 |
0.53333 |
0.70818 |
0.54374 |
0.72199 |
0.54903 |
0.72901 | |||
75 |
0.45870 |
0.61474 |
0.49375 |
0.66136 |
0.50311 |
0.67389 |
0.50779 |
0.68015 | |||
76 |
0.42504 |
0.57455 |
0.45666 |
0.61684 |
0.46538 |
0.62860 |
0.46973 |
0.63447 | |||
77 |
0.39372 |
0.53620 |
0.42218 |
0.57449 |
0.43029 |
0.58550 |
0.43435 |
0.59100 | |||
78 |
0.36462 |
0.49964 |
0.39019 |
0.53421 |
0.39773 |
0.54451 |
0.40151 |
0.54966 | |||
79 |
0.33778 |
0.46527 |
0.36070 |
0.49640 |
0.36772 |
0.50603 |
0.37123 |
0.51085 | |||
80 |
0.31290 |
0.43166 |
0.33342 |
0.45959 |
0.33995 |
0.46857 |
0.34321 |
0.47305 | |||
81 |
0.28981 |
0.40017 |
0.30814 |
0.42515 |
0.31421 |
0.43351 |
0.31725 |
0.43769 | |||
82 |
0.26845 |
0.37085 |
0.28480 |
0.39316 |
0.29045 |
0.40094 |
0.29328 |
0.40483 | |||
83 |
0.24879 |
0.34363 |
0.26334 |
0.36350 |
0.26860 |
0.37074 |
0.27123 |
0.37437 | |||
84 |
0.23079 |
0.31777 |
0.24371 |
0.33541 |
0.24861 |
0.34214 |
0.25106 |
0.34550 | |||
85 |
0.21441 |
0.29419 |
0.22586 |
0.30982 |
0.23043 |
0.31607 |
0.23272 |
0.31920 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.77274 |
0.71682 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.75823 |
0.69803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.74957 |
0.68912 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.74317 |
0.68226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.73916 |
0.67747 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.73667 |
0.67412 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.73454 |
0.67185 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.73319 |
0.67042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.73271 |
0.66931 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.73292 |
0.66947 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.73392 |
0.67029 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.73553 |
0.67184 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.73766 |
0.67384 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.74019 |
0.67622 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.74318 |
0.67918 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.74620 |
0.68203 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.74903 |
0.68553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.75142 |
0.68906 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.75375 |
0.69306 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.75592 |
0.69717 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.75841 |
0.70127 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.76109 |
0.70581 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.76416 |
0.71066 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.76749 |
0.71557 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.77102 |
0.72079 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.77491 |
0.72628 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.75577 |
0.70404 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.73866 |
0.68449 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.72330 |
0.66734 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.70990 |
0.65253 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.69849 |
0.63978 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.68884 |
0.62920 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.68089 |
0.62100 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.67466 |
0.61345 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.66974 |
0.60804 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.66625 |
0.60404 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.68183 |
0.62234 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.69680 |
0.63980 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.71122 |
0.65643 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.72499 |
0.67236 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.73820 |
0.68755 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.75100 |
0.70221 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.76331 |
0.71619 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.77503 |
0.72953 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.78630 |
0.74235 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.79679 |
0.75468 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
46 |
0.80430 |
0.76372 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.81144 |
0.77253 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.81820 |
0.78112 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.82495 |
0.78944 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.83252 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.78062 |
0.85000 |
0.84678 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.73112 |
0.85000 |
0.79250 |
0.85000 |
0.81094 |
0.85000 |
0.82107 |
0.85000 | |||
69 |
0.68389 |
0.85000 |
0.74077 |
0.85000 |
0.75761 |
0.85000 |
0.76677 |
0.85000 | |||
70 |
0.63920 |
0.83211 |
0.69184 |
0.85000 |
0.70719 |
0.85000 |
0.71545 |
0.85000 | |||
71 |
0.59687 |
0.78061 |
0.64552 |
0.84407 |
0.65949 |
0.85000 |
0.66691 |
0.85000 | |||
72 |
0.55669 |
0.73169 |
0.60158 |
0.79054 |
0.61427 |
0.80721 |
0.62100 |
0.81595 | |||
73 |
0.51870 |
0.68525 |
0.56009 |
0.73977 |
0.57160 |
0.75495 |
0.57754 |
0.76280 | |||
74 |
0.48267 |
0.64111 |
0.52080 |
0.69156 |
0.53121 |
0.70536 |
0.53650 |
0.71239 | |||
75 |
0.44702 |
0.59912 |
0.48207 |
0.64574 |
0.49144 |
0.65827 |
0.49612 |
0.66453 | |||
76 |
0.41417 |
0.55989 |
0.44579 |
0.60219 |
0.45451 |
0.61394 |
0.45886 |
0.61982 | |||
77 |
0.38361 |
0.52247 |
0.41207 |
0.56076 |
0.42018 |
0.57177 |
0.42423 |
0.57727 | |||
78 |
0.35521 |
0.48680 |
0.38078 |
0.52136 |
0.38832 |
0.53166 |
0.39210 |
0.53681 | |||
79 |
0.32902 |
0.45326 |
0.35194 |
0.48439 |
0.35896 |
0.49402 |
0.36247 |
0.49884 | |||
80 |
0.30476 |
0.42047 |
0.32527 |
0.44840 |
0.33180 |
0.45737 |
0.33507 |
0.46186 | |||
81 |
0.28224 |
0.38974 |
0.30056 |
0.41473 |
0.30664 |
0.42309 |
0.30968 |
0.42727 | |||
82 |
0.26141 |
0.36115 |
0.27775 |
0.38346 |
0.28341 |
0.39124 |
0.28623 |
0.39513 | |||
83 |
0.24223 |
0.33460 |
0.25678 |
0.35447 |
0.26204 |
0.36172 |
0.26467 |
0.36534 | |||
84 |
0.22468 |
0.30938 |
0.23760 |
0.32702 |
0.24250 |
0.33375 |
0.24495 |
0.33711 | |||
85 |
0.20872 |
0.28639 |
0.22017 |
0.30202 |
0.22474 |
0.30827 |
0.22702 |
0.31140 |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) | |||
(a) |
= |
($1,000,000 / 1,000) x 54.143 =$54,143.00 |
(c) |
= |
$1,000,000 / 1000 =$1000 |
(b) |
= |
$100,000 |
(d) |
= |
5.45 |
(p) |
= |
0.83821 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($54,143.00 x 0.83821) + ($1,000 x 5.45)] x 100% |
|
= |
[$45,383.20 + $5,450] x 100% |
|
= |
$50,833.20 which corresponds to $50.84 per $1,000 of Base Policy Specified Amount ($50,833.20 / $1000). |
SC |
= |
$50,833.20 x 80.0% =$40,666.56 which corresponds to $40.67 per $1,000 of Base Policy Specified Amount
($40,666.56 / $1000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($10,000,000 / 1,000) x 1.637 =$16,370.00 |
(c) |
= |
$10,000,000 / 1000 =$10,000 |
(b) |
= |
$2,253.16 |
(d) |
= |
4.00 |
(p) |
= |
0.85 |
(e) |
= |
8.30% |
(b) is less than (a), so: | ||
SC |
= |
[($2,253.16 x 0.85) + ($10,000 x 4)] x 8.30% |
|
= |
[$1,915.19 + $40,000] x 8.30% |
|
= |
$41,915.19 x 8.30% |
|
= |
$3,478.96 which corresponds to $0.35 per $1,000 of Base Policy Specified Amount ($3,478.96/$10,000). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($500,000 / 1,000) x 8.963 =$4,481.50 |
(c) |
= |
$500,000 / 1000 =$500 |
(b) |
= |
$7,000 |
(d) |
= |
4.50 |
(p) |
= |
0.8500 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($4,481.50 x 0.8500) + ($500 x 4.50)] x 100% |
|
= |
[$3,809.28 + $2,250] x 100% |
|
= |
$6,059.28 which corresponds to $12.12 per $1,000 of Base Policy Specified Amount ($6,059.28 / $500). |
SC |
= |
$6,059.28 x 95% =$5,756.31 which corresponds to $11.52 per $1,000 of Base Policy Specified Amount
($5,756.31 / $500). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.62258 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.62258) + ($100 x 7.50)] x 100% |
|
= |
[$558.02 + $750] x 100% |
|
= |
$1,308.02 which corresponds to $13.09 per $1,000 of Base Policy Specified Amount ($1,308.02 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 9.419 =$941.90 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.63828 |
(e) |
= |
100% |
(a) is less than (b), so: | ||
SC |
= |
[($941.90 x 0.63828) + ($100 x 7.50)] x 100% |
|
= |
[$601.20 + $750] x 100% |
|
= |
$1,351.20 which corresponds to $13.52 per $1,000 of Base Policy Specified Amount ($1,351.20 / $100). |
SC |
= |
$1,308.02 x 70.0% =$915.61 which corresponds to $9.16 per $1,000 of Base Policy Specified Amount ($915.61
/ $100). |
SC |
= |
$1,351.20 x 95.0% =$1,283.64 which corresponds to $12.84 per $1,000 of Base Policy Specified Amount
($1,283.64 / $100). |
SC |
= |
$915.61 + $1,283.64 =$2,199.25 which corresponds to $11.00 per $1,000 of Base Policy Specified Amount
($2,199.25 / $200). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.70171 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.70171) + ($100 x 7.50)] x 95% |
|
= |
[$628.94+ $750] x 95% |
|
= |
$1,378.94 x 95% |
|
= |
$1,309.99 which corresponds to $13.10 per $1,000 of Base Policy Specified Amount ($1,309.99 / $100). |
SC |
= |
[[the lesser of (a, b)] x (p) + (c) x (d)] x (e) |
|
|
|
(a) |
= |
($100,000 / 1,000) x 8.963 =$896.30 |
(c) |
= |
$100,000 / 1000 =$100 |
(b) |
= |
$1,000 |
(d) |
= |
7.50 |
(p) |
= |
0.62258 |
(e) |
= |
95% |
(a) is less than (b), so: | ||
SC |
= |
[($896.30 x 0.62258) + ($100 x 7.50)] x 95% |
|
= |
[$558.02+ $750] x 95% |
|
= |
$1,308.02 x 95% |
|
= |
$1,242.62 which corresponds to $12.43 per $1,000 of Base Policy Specified Amount ($1,242.62 / $100). |
Issue Age |
Male |
Female |
0 |
1.917 |
1.508 |
1 |
1.967 |
1.575 |
2 |
2.039 |
1.637 |
3 |
2.125 |
1.708 |
4 |
2.221 |
1.786 |
5 |
2.325 |
1.868 |
6 |
2.436 |
1.955 |
7 |
2.552 |
2.047 |
8 |
2.674 |
2.143 |
9 |
2.803 |
2.243 |
10 |
2.938 |
2.349 |
11 |
3.081 |
2.460 |
12 |
3.230 |
2.577 |
13 |
3.384 |
2.698 |
14 |
3.543 |
2.823 |
15 |
3.707 |
2.955 |
16 |
3.872 |
3.092 |
17 |
4.040 |
3.235 |
18 |
4.209 |
3.384 |
19 |
4.385 |
3.541 |
20 |
4.568 |
3.706 |
21 |
4.761 |
3.879 |
22 |
4.965 |
4.061 |
23 |
5.180 |
4.253 |
24 |
5.408 |
4.456 |
25 |
5.647 |
4.669 |
26 |
5.900 |
4.894 |
27 |
6.165 |
5.131 |
28 |
6.444 |
5.380 |
Issue Age |
Male |
Female |
29 |
6.740 |
5.642 |
30 |
7.055 |
5.919 |
31 |
7.391 |
6.211 |
32 |
7.749 |
6.518 |
33 |
8.129 |
6.842 |
34 |
8.534 |
7.183 |
35 |
8.963 |
7.542 |
36 |
9.419 |
7.919 |
37 |
9.901 |
8.317 |
38 |
10.412 |
8.736 |
39 |
10.953 |
9.179 |
40 |
11.526 |
9.649 |
41 |
12.132 |
10.145 |
42 |
12.773 |
10.671 |
43 |
13.451 |
11.228 |
44 |
14.166 |
11.817 |
45 |
14.920 |
12.439 |
46 |
15.715 |
13.098 |
47 |
16.555 |
13.794 |
48 |
17.444 |
14.527 |
49 |
18.394 |
15.302 |
50 |
19.411 |
16.118 |
51 |
20.496 |
16.978 |
52 |
21.654 |
17.884 |
53 |
22.886 |
18.838 |
54 |
24.195 |
19.843 |
55 |
25.582 |
20.903 |
56 |
27.049 |
22.020 |
57 |
28.604 |
23.197 |
Issue Age |
Male |
Female |
58 |
30.252 |
24.438 |
59 |
32.018 |
25.747 |
60 |
33.911 |
27.134 |
61 |
35.934 |
28.605 |
62 |
38.087 |
30.168 |
63 |
40.370 |
31.830 |
64 |
42.787 |
33.603 |
65 |
45.353 |
35.495 |
66 |
48.082 |
37.517 |
67 |
51.001 |
39.681 |
68 |
54.143 |
41.998 |
69 |
57.533 |
44.483 |
70 |
61.214 |
47.151 |
71 |
65.204 |
50.016 |
72 |
69.535 |
53.091 |
73 |
74.176 |
56.393 |
74 |
79.176 |
59.946 |
75 |
84.594 |
63.775 |
76 |
90.474 |
67.909 |
77 |
96.879 |
72.382 |
78 |
103.836 |
77.234 |
79 |
111.356 |
82.512 |
80 |
119.438 |
88.272 |
81 |
128.132 |
94.582 |
82 |
137.421 |
101.353 |
83 |
147.421 |
108.605 |
84 |
158.220 |
116.462 |
85 |
169.864 |
124.985 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
0 |
6.00 |
4.00 |
4.00 |
4.00 |
1 |
6.00 |
4.00 |
4.00 |
4.00 |
2 |
6.00 |
4.00 |
4.00 |
4.00 |
3 |
6.00 |
4.00 |
4.00 |
4.00 |
4 |
6.00 |
4.00 |
4.00 |
4.00 |
5 |
6.00 |
4.00 |
4.00 |
4.00 |
6 |
6.00 |
4.00 |
4.00 |
4.00 |
7 |
6.00 |
4.00 |
4.00 |
4.00 |
8 |
6.00 |
4.00 |
4.00 |
4.00 |
9 |
6.00 |
4.00 |
4.00 |
4.00 |
10 |
6.00 |
4.00 |
4.00 |
4.00 |
11 |
6.00 |
4.00 |
4.00 |
4.00 |
12 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
13 |
6.00 |
4.00 |
4.00 |
4.00 |
14 |
6.00 |
4.00 |
4.00 |
4.00 |
15 |
6.00 |
4.00 |
4.00 |
4.00 |
16 |
6.00 |
4.00 |
4.00 |
4.00 |
17 |
6.00 |
4.00 |
4.00 |
4.00 |
18 |
6.00 |
4.00 |
4.00 |
4.00 |
19 |
6.00 |
4.00 |
4.00 |
4.00 |
20 |
6.00 |
4.00 |
4.00 |
4.00 |
21 |
6.00 |
4.00 |
4.00 |
4.00 |
22 |
6.00 |
4.00 |
4.00 |
4.00 |
23 |
6.00 |
4.00 |
4.00 |
4.00 |
24 |
6.00 |
4.00 |
4.00 |
4.00 |
25 |
6.00 |
4.00 |
4.00 |
4.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
26 |
6.15 |
4.05 |
4.05 |
4.05 |
27 |
6.30 |
4.10 |
4.10 |
4.10 |
28 |
6.45 |
4.15 |
4.15 |
4.15 |
29 |
6.60 |
4.20 |
4.20 |
4.20 |
30 |
6.75 |
4.25 |
4.25 |
4.25 |
31 |
6.90 |
4.30 |
4.30 |
4.30 |
32 |
7.05 |
4.35 |
4.35 |
4.35 |
33 |
7.20 |
4.40 |
4.40 |
4.40 |
34 |
7.35 |
4.45 |
4.45 |
4.45 |
35 |
7.50 |
4.50 |
4.50 |
4.50 |
36 |
7.50 |
4.55 |
4.55 |
4.55 |
37 |
7.50 |
4.60 |
4.60 |
4.60 |
38 |
7.50 |
4.65 |
4.65 |
4.65 |
39 |
7.50 |
4.70 |
4.70 |
4.70 |
40 |
7.50 |
4.75 |
4.75 |
4.75 |
41 |
7.50 |
4.80 |
4.80 |
4.80 |
42 |
7.50 |
4.85 |
4.85 |
4.85 |
43 |
7.50 |
4.90 |
4.90 |
4.90 |
44 |
7.50 |
4.95 |
4.95 |
4.95 |
45 |
7.50 |
5.00 |
5.00 |
5.00 |
46 |
7.50 |
5.00 |
5.00 |
5.00 |
47 |
7.50 |
5.00 |
5.00 |
5.00 |
48 |
7.50 |
5.00 |
5.00 |
5.00 |
49 |
7.50 |
5.00 |
5.00 |
5.00 |
50 |
7.50 |
5.00 |
5.00 |
5.00 |
51 |
7.50 |
5.00 |
5.00 |
5.00 |
52 |
7.50 |
5.00 |
5.00 |
5.00 |
53 |
7.50 |
5.00 |
5.00 |
5.00 |
54 |
7.50 |
5.00 |
5.00 |
5.00 |
55 |
7.50 |
5.00 |
5.00 |
5.00 |
Issue Age |
Band 2 |
Band 3 |
Band 4 |
Band 5 |
56 |
7.50 |
5.00 |
5.00 |
5.00 |
57 |
7.50 |
5.00 |
5.00 |
5.00 |
58 |
7.50 |
5.00 |
5.00 |
5.00 |
59 |
7.50 |
5.00 |
5.00 |
5.00 |
60 |
7.50 |
5.00 |
5.00 |
5.00 |
61 |
7.50 |
5.00 |
5.00 |
5.00 |
62 |
7.50 |
5.00 |
5.00 |
5.00 |
63 |
7.50 |
5.00 |
5.00 |
5.00 |
64 |
7.50 |
5.00 |
5.00 |
5.00 |
65 |
7.50 |
5.00 |
5.00 |
5.00 |
66 |
7.60 |
5.15 |
5.15 |
5.15 |
67 |
7.70 |
5.30 |
5.30 |
5.30 |
68 |
7.80 |
5.45 |
5.45 |
5.45 |
69 |
7.90 |
5.60 |
5.60 |
5.60 |
70 |
8.00 |
5.75 |
5.75 |
5.75 |
71 |
8.10 |
5.90 |
5.90 |
5.90 |
72 |
8.20 |
6.05 |
6.05 |
6.05 |
73 |
8.30 |
6.20 |
6.20 |
6.20 |
74 |
8.40 |
6.35 |
6.35 |
6.35 |
75 |
8.50 |
6.50 |
6.50 |
6.50 |
76 |
8.55 |
6.65 |
6.65 |
6.65 |
77 |
8.60 |
6.80 |
6.80 |
6.80 |
78 |
8.65 |
6.95 |
6.95 |
6.95 |
79 |
8.70 |
7.10 |
7.10 |
7.10 |
80 |
8.75 |
7.25 |
7.25 |
7.25 |
81 |
8.80 |
7.40 |
7.40 |
7.40 |
82 |
8.85 |
7.55 |
7.55 |
7.55 |
83 |
8.90 |
7.70 |
7.70 |
7.70 |
84 |
8.95 |
7.85 |
7.85 |
7.85 |
85 |
9.00 |
8.00 |
8.00 |
8.00 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.84351 |
0.83142 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.81944 |
0.80268 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.79740 |
0.77680 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.77778 |
0.75392 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.76043 |
0.73336 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.74505 |
0.71536 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.73161 |
0.69966 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.72010 |
0.68600 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.71004 |
0.67440 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.70171 |
0.66447 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.71264 |
0.67733 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.72320 |
0.68961 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.73346 |
0.70130 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.74329 |
0.71266 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.75284 |
0.72348 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.76221 |
0.73396 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.77131 |
0.74403 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.78003 |
0.75374 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.78849 |
0.76314 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.79649 |
0.77226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
46 |
0.80340 |
0.78028 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.80999 |
0.78810 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.81624 |
0.79572 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.82243 |
0.80302 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.79892 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.74832 |
0.85000 |
0.80968 |
0.85000 |
0.82809 |
0.85000 |
0.83821 |
0.85000 | |||
69 |
0.70009 |
0.85000 |
0.75695 |
0.85000 |
0.77377 |
0.85000 |
0.78292 |
0.85000 | |||
70 |
0.65445 |
0.85000 |
0.70706 |
0.85000 |
0.72240 |
0.85000 |
0.73065 |
0.85000 | |||
71 |
0.61120 |
0.79980 |
0.65983 |
0.85000 |
0.67379 |
0.85000 |
0.68120 |
0.85000 | |||
72 |
0.57015 |
0.74971 |
0.61503 |
0.80855 |
0.62770 |
0.82520 |
0.63435 |
0.83393 | |||
73 |
0.53135 |
0.70216 |
0.57273 |
0.75666 |
0.58422 |
0.77183 |
0.59016 |
0.77967 | |||
74 |
0.49452 |
0.65698 |
0.53264 |
0.70740 |
0.54304 |
0.72120 |
0.54832 |
0.72821 | |||
75 |
0.45964 |
0.61401 |
0.49471 |
0.66062 |
0.50409 |
0.67313 |
0.50878 |
0.67939 | |||
76 |
0.42735 |
0.57387 |
0.45902 |
0.61615 |
0.46778 |
0.62789 |
0.47215 |
0.63376 | |||
77 |
0.39707 |
0.53555 |
0.42560 |
0.57382 |
0.43377 |
0.58482 |
0.43785 |
0.59032 | |||
78 |
0.36872 |
0.49903 |
0.39437 |
0.53358 |
0.40198 |
0.54387 |
0.40579 |
0.54902 | |||
79 |
0.34239 |
0.46476 |
0.36541 |
0.49588 |
0.37250 |
0.50551 |
0.37605 |
0.51032 | |||
80 |
0.31783 |
0.43278 |
0.33845 |
0.46074 |
0.34506 |
0.46973 |
0.34837 |
0.47423 | |||
81 |
0.29489 |
0.40263 |
0.31332 |
0.42767 |
0.31948 |
0.43607 |
0.32256 |
0.44027 | |||
82 |
0.27354 |
0.37437 |
0.28999 |
0.39675 |
0.29573 |
0.40459 |
0.29860 |
0.40851 | |||
83 |
0.25376 |
0.34792 |
0.26841 |
0.36788 |
0.27375 |
0.37520 |
0.27642 |
0.37885 | |||
84 |
0.23555 |
0.32254 |
0.24857 |
0.34029 |
0.25355 |
0.34709 |
0.25604 |
0.35050 | |||
85 |
0.21890 |
0.29926 |
0.23045 |
0.31498 |
0.23509 |
0.32133 |
0.23741 |
0.32450 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
0 |
0.77274 |
0.71682 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
1 |
0.75823 |
0.69803 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
2 |
0.74957 |
0.68912 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
3 |
0.74317 |
0.68226 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
4 |
0.73916 |
0.67747 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
5 |
0.73667 |
0.67412 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
6 |
0.73454 |
0.67185 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
7 |
0.73319 |
0.67042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
8 |
0.73271 |
0.66931 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
9 |
0.73292 |
0.66947 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
10 |
0.73392 |
0.67029 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
11 |
0.73553 |
0.67184 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
12 |
0.73766 |
0.67384 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
13 |
0.74019 |
0.67622 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
14 |
0.74318 |
0.67918 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
15 |
0.74620 |
0.68203 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
16 |
0.74903 |
0.68553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
17 |
0.75142 |
0.68906 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
18 |
0.75264 |
0.69306 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
19 |
0.74648 |
0.69717 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
20 |
0.74145 |
0.70127 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
21 |
0.73722 |
0.69966 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
22 |
0.73384 |
0.69665 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
23 |
0.73141 |
0.69435 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
24 |
0.72961 |
0.69296 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
25 |
0.72864 |
0.69234 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
26 |
0.70967 |
0.67024 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
27 |
0.69279 |
0.65067 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
28 |
0.67763 |
0.63347 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
29 |
0.66460 |
0.61881 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
30 |
0.65357 |
0.60607 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
31 |
0.64425 |
0.59547 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
32 |
0.63662 |
0.58678 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
33 |
0.63065 |
0.57976 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
34 |
0.62588 |
0.57442 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
35 |
0.62258 |
0.57042 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
36 |
0.63828 |
0.58887 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
37 |
0.65336 |
0.60646 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
38 |
0.66790 |
0.62315 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
39 |
0.68177 |
0.63925 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
40 |
0.69514 |
0.65457 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
41 |
0.70812 |
0.66930 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
42 |
0.72062 |
0.68338 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
43 |
0.73255 |
0.69689 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
44 |
0.74402 |
0.70988 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
45 |
0.75485 |
0.72238 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
46 |
0.76274 |
0.73155 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
47 |
0.77033 |
0.74054 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
48 |
0.77759 |
0.74933 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
49 |
0.78482 |
0.75782 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
50 |
0.85000 |
0.84789 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
51 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
52 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
|
Band
2 |
Band
3 |
Band
4 |
Band
5 | |||||||
Issue Age |
Male |
Female |
Male |
Female |
Male |
Female |
Male |
Female | |||
53 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
54 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
55 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
56 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
57 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
58 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
59 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
60 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
61 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
62 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
63 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
64 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
65 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
66 |
0.83129 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
67 |
0.77940 |
0.85000 |
0.84553 |
0.85000 |
0.85000 |
0.85000 |
0.85000 |
0.85000 | |||
68 |
0.72994 |
0.85000 |
0.79130 |
0.85000 |
0.80971 |
0.85000 |
0.81984 |
0.85000 | |||
69 |
0.68282 |
0.85000 |
0.73968 |
0.85000 |
0.75649 |
0.85000 |
0.76564 |
0.85000 | |||
70 |
0.63822 |
0.83139 |
0.69083 |
0.85000 |
0.70617 |
0.85000 |
0.71441 |
0.85000 | |||
71 |
0.59597 |
0.77987 |
0.64460 |
0.84333 |
0.65855 |
0.85000 |
0.66597 |
0.85000 | |||
72 |
0.55587 |
0.73095 |
0.60075 |
0.78978 |
0.61342 |
0.80644 |
0.62007 |
0.81517 | |||
73 |
0.51797 |
0.68450 |
0.55935 |
0.73900 |
0.57084 |
0.75417 |
0.57678 |
0.76201 | |||
74 |
0.48201 |
0.64037 |
0.52013 |
0.69079 |
0.53052 |
0.70459 |
0.53581 |
0.71160 | |||
75 |
0.44795 |
0.59841 |
0.48302 |
0.64502 |
0.49239 |
0.65753 |
0.49708 |
0.66379 | |||
76 |
0.41643 |
0.55923 |
0.44810 |
0.60151 |
0.45686 |
0.61325 |
0.46123 |
0.61912 | |||
77 |
0.38688 |
0.52184 |
0.41541 |
0.56011 |
0.42358 |
0.57111 |
0.42766 |
0.57661 | |||
78 |
0.35923 |
0.48619 |
0.38488 |
0.52075 |
0.39249 |
0.53104 |
0.39630 |
0.53618 | |||
79 |
0.33354 |
0.45276 |
0.35656 |
0.48388 |
0.36365 |
0.49351 |
0.36720 |
0.49832 | |||
80 |
0.30958 |
0.42156 |
0.33020 |
0.44952 |
0.33682 |
0.45851 |
0.34012 |
0.46301 | |||
81 |
0.28721 |
0.39216 |
0.30564 |
0.41719 |
0.31180 |
0.42559 |
0.31488 |
0.42979 | |||
82 |
0.26638 |
0.36460 |
0.28283 |
0.38698 |
0.28857 |
0.39482 |
0.29144 |
0.39874 | |||
83 |
0.24709 |
0.33880 |
0.26174 |
0.35876 |
0.26709 |
0.36608 |
0.26976 |
0.36973 | |||
84 |
0.22934 |
0.31405 |
0.24236 |
0.33180 |
0.24734 |
0.33860 |
0.24983 |
0.34201 | |||
85 |
0.21311 |
0.29135 |
0.22466 |
0.30708 |
0.22930 |
0.31342 |
0.23162 |
0.31659 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
0 |
0.13 |
0.05 |
0.01 |
0.07 |
0.11 |
0.08 |
1 |
0.13 |
0.05 |
0.01 |
0.07 |
0.11 |
0.08 |
2 |
0.14 |
0.05 |
0.01 |
0.08 |
0.12 |
0.08 |
3 |
0.14 |
0.05 |
0.01 |
0.08 |
0.12 |
0.09 |
4 |
0.15 |
0.05 |
0.01 |
0.09 |
0.13 |
0.09 |
5 |
0.15 |
0.05 |
0.01 |
0.09 |
0.13 |
0.09 |
6 |
0.16 |
0.06 |
0.01 |
0.10 |
0.13 |
0.10 |
7 |
0.16 |
0.06 |
0.01 |
0.11 |
0.14 |
0.10 |
8 |
0.17 |
0.06 |
0.01 |
0.11 |
0.14 |
0.11 |
9 |
0.17 |
0.06 |
0.01 |
0.12 |
0.14 |
0.11 |
10 |
0.18 |
0.06 |
0.01 |
0.12 |
0.15 |
0.11 |
11 |
0.18 |
0.06 |
0.01 |
0.13 |
0.15 |
0.12 |
12 |
0.19 |
0.07 |
0.01 |
0.13 |
0.16 |
0.12 |
13 |
0.19 |
0.07 |
0.02 |
0.14 |
0.16 |
0.12 |
14 |
0.20 |
0.07 |
0.02 |
0.14 |
0.16 |
0.13 |
15 |
0.20 |
0.07 |
0.02 |
0.15 |
0.17 |
0.13 |
16 |
0.21 |
0.07 |
0.02 |
0.16 |
0.17 |
0.13 |
17 |
0.21 |
0.07 |
0.03 |
0.16 |
0.17 |
0.14 |
18 |
0.22 |
0.08 |
0.03 |
0.17 |
0.18 |
0.14 |
19 |
0.22 |
0.08 |
0.03 |
0.17 |
0.18 |
0.15 |
20 |
0.23 |
0.08 |
0.03 |
0.18 |
0.18 |
0.15 |
21 |
0.23 |
0.08 |
0.04 |
0.18 |
0.19 |
0.15 |
22 |
0.24 |
0.08 |
0.04 |
0.19 |
0.19 |
0.16 |
23 |
0.24 |
0.08 |
0.04 |
0.19 |
0.20 |
0.16 |
24 |
0.25 |
0.09 |
0.04 |
0.20 |
0.20 |
0.16 |
25 |
0.25 |
0.09 |
0.05 |
0.20 |
0.20 |
0.17 |
26 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
27 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
28 |
0.26 |
0.09 |
0.05 |
0.21 |
0.20 |
0.17 |
29 |
0.26 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
30 |
0.27 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
31 |
0.27 |
0.09 |
0.06 |
0.21 |
0.20 |
0.17 |
32 |
0.27 |
0.09 |
0.06 |
0.22 |
0.20 |
0.17 |
33 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
34 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
35 |
0.27 |
0.09 |
0.07 |
0.22 |
0.20 |
0.17 |
36 |
0.28 |
0.10 |
0.08 |
0.22 |
0.21 |
0.18 |
37 |
0.28 |
0.11 |
0.10 |
0.22 |
0.22 |
0.19 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
38 |
0.28 |
0.12 |
0.11 |
0.22 |
0.22 |
0.20 |
39 |
0.28 |
0.13 |
0.12 |
0.22 |
0.23 |
0.21 |
40 |
0.28 |
0.14 |
0.13 |
0.22 |
0.24 |
0.22 |
41 |
0.28 |
0.15 |
0.15 |
0.22 |
0.25 |
0.23 |
42 |
0.29 |
0.16 |
0.16 |
0.22 |
0.25 |
0.24 |
43 |
0.29 |
0.17 |
0.17 |
0.22 |
0.26 |
0.25 |
44 |
0.29 |
0.18 |
0.18 |
0.22 |
0.27 |
0.26 |
45 |
0.29 |
0.18 |
0.20 |
0.22 |
0.27 |
0.27 |
46 |
0.30 |
0.19 |
0.20 |
0.23 |
0.28 |
0.28 |
47 |
0.30 |
0.20 |
0.20 |
0.24 |
0.29 |
0.28 |
48 |
0.31 |
0.21 |
0.21 |
0.25 |
0.30 |
0.29 |
49 |
0.32 |
0.22 |
0.21 |
0.26 |
0.32 |
0.30 |
50 |
0.32 |
0.23 |
0.22 |
0.27 |
0.33 |
0.31 |
51 |
0.33 |
0.24 |
0.22 |
0.28 |
0.34 |
0.32 |
52 |
0.33 |
0.24 |
0.23 |
0.30 |
0.35 |
0.32 |
53 |
0.34 |
0.25 |
0.23 |
0.31 |
0.36 |
0.33 |
54 |
0.35 |
0.26 |
0.23 |
0.32 |
0.37 |
0.34 |
55 |
0.35 |
0.27 |
0.24 |
0.33 |
0.38 |
0.35 |
56 |
0.39 |
0.28 |
0.25 |
0.36 |
0.40 |
0.37 |
57 |
0.42 |
0.30 |
0.27 |
0.39 |
0.41 |
0.38 |
58 |
0.45 |
0.31 |
0.28 |
0.42 |
0.43 |
0.40 |
59 |
0.48 |
0.32 |
0.29 |
0.46 |
0.45 |
0.42 |
60 |
0.51 |
0.34 |
0.31 |
0.49 |
0.46 |
0.44 |
61 |
0.54 |
0.35 |
0.32 |
0.53 |
0.48 |
0.45 |
62 |
0.58 |
0.36 |
0.34 |
0.56 |
0.50 |
0.47 |
63 |
0.61 |
0.38 |
0.35 |
0.60 |
0.52 |
0.49 |
64 |
0.64 |
0.39 |
0.37 |
0.64 |
0.53 |
0.51 |
65 |
0.67 |
0.40 |
0.38 |
0.68 |
0.55 |
0.53 |
66 |
0.69 |
0.43 |
0.41 |
0.71 |
0.58 |
0.56 |
67 |
0.70 |
0.46 |
0.44 |
0.74 |
0.61 |
0.59 |
68 |
0.72 |
0.48 |
0.47 |
0.77 |
0.64 |
0.62 |
69 |
0.74 |
0.51 |
0.50 |
0.80 |
0.67 |
0.65 |
70 |
0.75 |
0.54 |
0.53 |
0.84 |
0.70 |
0.68 |
71 |
0.77 |
0.56 |
0.55 |
0.87 |
0.73 |
0.72 |
72 |
0.79 |
0.59 |
0.58 |
0.91 |
0.76 |
0.75 |
73 |
0.80 |
0.62 |
0.61 |
0.94 |
0.79 |
0.78 |
74 |
0.82 |
0.64 |
0.64 |
0.98 |
0.82 |
0.81 |
75 |
0.84 |
0.67 |
0.67 |
1.01 |
0.85 |
0.85 |
76 |
0.85 |
0.69 |
0.69 |
1.03 |
0.86 |
0.86 |
77 |
0.87 |
0.70 |
0.70 |
1.05 |
0.88 |
0.88 |
78 |
0.89 |
0.72 |
0.72 |
1.06 |
0.90 |
0.90 |
79 |
0.90 |
0.74 |
0.74 |
1.08 |
0.91 |
0.91 |
80 |
0.92 |
0.75 |
0.75 |
1.10 |
0.93 |
0.93 |
81 |
0.94 |
0.77 |
0.77 |
1.11 |
0.95 |
0.95 |
82 |
0.95 |
0.79 |
0.79 |
1.13 |
0.96 |
0.96 |
83 |
0.97 |
0.80 |
0.80 |
1.15 |
0.98 |
0.98 |
84 |
0.99 |
0.82 |
0.82 |
1.16 |
1.00 |
1.00 |
85 |
1.00 |
0.84 |
0.84 |
1.18 |
1.01 |
1.01 |
The monthly charge |
= |
[$250,000 x 1.18] / $1,000 |
|
= |
[$295,000] / $1,000 |
|
= |
$295 or $1.18 per $1,000 of Base Policy Specified Amount ($295 / 250) |
The monthly charge |
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + (($10,000,000 - $500,000) x 0.01)] / $1,000 |
|
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + ($9,500,000 x 0.01)] / $1,000 |
|
= |
[$32,500 + $12,500 + $95,000] / $1,000 |
|
= |
$140,000 / $1,000 |
|
= |
$140 or $0.02 per $1,000 of Base Policy Specified Amount ($140 / 10,000) |
The monthly charge |
= |
[($250,000 x 0.35) + (($400,000 – 250,000) x 0.27)] / $1,000 |
|
= |
[($250,000 x 0.35) + ($150,000) x 0.27)] / $1,000 |
|
= |
[($87,500) + ($40,500)] / $1,000 |
|
= |
$128,000 / $1,000 |
|
= |
$128 or $0.32 per $1,000 of Base Policy Specified Amount ($128 / 400) |
The monthly charge for the increase only |
= |
[($100,000 x 0.34) + ($150,000 x 0.31)] / $1,000 |
|
= |
[($34,000) + ($46,500)] / $1,000 |
|
= |
$80,500 / $1,000 |
|
= |
$80.50 or $0.33 per $ 1,000 of the Base Policy Specified Amount increase ($80.50 / 250) |
The monthly charge |
= |
[($250,000 x 0.33) + (($150,000 x 0.38) + ($100,000 x 0.46) + ($150,000 x 0.44)] / $1,000 |
|
= |
[($82,500) + ($57,000) + ($46,000) + ($66,000)] / $1,000 |
|
= |
$251,500 / $1,000 |
|
= |
$251.50 or $0.39 per $ 1,000 of Base Policy Specified Amount ($251.50 / 650) |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
0 |
0.13 |
0.05 |
0.01 |
0.13 |
0.13 |
0.09 |
1 |
0.13 |
0.05 |
0.01 |
0.14 |
0.13 |
0.09 |
2 |
0.14 |
0.05 |
0.01 |
0.15 |
0.14 |
0.10 |
3 |
0.14 |
0.05 |
0.01 |
0.16 |
0.14 |
0.10 |
4 |
0.15 |
0.05 |
0.01 |
0.17 |
0.15 |
0.11 |
5 |
0.15 |
0.05 |
0.01 |
0.18 |
0.15 |
0.11 |
6 |
0.16 |
0.06 |
0.01 |
0.20 |
0.16 |
0.11 |
7 |
0.16 |
0.06 |
0.01 |
0.21 |
0.16 |
0.12 |
8 |
0.17 |
0.06 |
0.01 |
0.22 |
0.16 |
0.12 |
9 |
0.17 |
0.06 |
0.01 |
0.23 |
0.17 |
0.13 |
10 |
0.18 |
0.06 |
0.01 |
0.24 |
0.17 |
0.13 |
11 |
0.18 |
0.06 |
0.01 |
0.25 |
0.18 |
0.14 |
12 |
0.19 |
0.07 |
0.01 |
0.26 |
0.18 |
0.14 |
13 |
0.19 |
0.07 |
0.02 |
0.27 |
0.19 |
0.14 |
14 |
0.20 |
0.07 |
0.02 |
0.28 |
0.19 |
0.15 |
15 |
0.20 |
0.07 |
0.02 |
0.29 |
0.19 |
0.15 |
16 |
0.21 |
0.07 |
0.02 |
0.31 |
0.20 |
0.16 |
17 |
0.21 |
0.07 |
0.03 |
0.32 |
0.20 |
0.16 |
18 |
0.22 |
0.08 |
0.03 |
0.33 |
0.21 |
0.17 |
19 |
0.22 |
0.08 |
0.03 |
0.34 |
0.21 |
0.17 |
20 |
0.23 |
0.08 |
0.03 |
0.35 |
0.22 |
0.17 |
21 |
0.23 |
0.08 |
0.04 |
0.36 |
0.22 |
0.18 |
22 |
0.24 |
0.08 |
0.04 |
0.37 |
0.23 |
0.18 |
23 |
0.24 |
0.08 |
0.04 |
0.38 |
0.23 |
0.19 |
24 |
0.25 |
0.09 |
0.04 |
0.39 |
0.23 |
0.19 |
25 |
0.25 |
0.09 |
0.05 |
0.40 |
0.24 |
0.20 |
26 |
0.26 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
27 |
0.26 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
28 |
0.27 |
0.09 |
0.05 |
0.41 |
0.24 |
0.20 |
29 |
0.27 |
0.09 |
0.06 |
0.42 |
0.24 |
0.20 |
30 |
0.28 |
0.10 |
0.06 |
0.42 |
0.24 |
0.20 |
31 |
0.28 |
0.10 |
0.06 |
0.42 |
0.24 |
0.20 |
|
Death Benefit Options 1 and 3 |
Death Benefit Option 2 | ||||
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 1 |
Tier 2 |
Tier 3 |
Insured's Attained Age |
up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
Up to $250,000 |
$250,000 to $500,000 |
$500,000 and above |
32 |
0.29 |
0.10 |
0.06 |
0.43 |
0.24 |
0.20 |
33 |
0.29 |
0.10 |
0.07 |
0.43 |
0.24 |
0.20 |
34 |
0.30 |
0.10 |
0.07 |
0.43 |
0.24 |
0.20 |
35 |
0.30 |
0.10 |
0.07 |
0.44 |
0.24 |
0.20 |
36 |
0.31 |
0.11 |
0.08 |
0.44 |
0.25 |
0.22 |
37 |
0.31 |
0.12 |
0.10 |
0.44 |
0.25 |
0.23 |
38 |
0.31 |
0.13 |
0.11 |
0.44 |
0.26 |
0.24 |
39 |
0.31 |
0.14 |
0.12 |
0.44 |
0.27 |
0.25 |
40 |
0.31 |
0.15 |
0.13 |
0.44 |
0.28 |
0.26 |
41 |
0.31 |
0.16 |
0.15 |
0.44 |
0.29 |
0.27 |
42 |
0.32 |
0.17 |
0.16 |
0.44 |
0.30 |
0.28 |
43 |
0.32 |
0.18 |
0.17 |
0.44 |
0.30 |
0.29 |
44 |
0.32 |
0.19 |
0.18 |
0.44 |
0.31 |
0.30 |
45 |
0.32 |
0.20 |
0.20 |
0.44 |
0.32 |
0.31 |
46 |
0.32 |
0.21 |
0.20 |
0.44 |
0.33 |
0.32 |
47 |
0.33 |
0.22 |
0.20 |
0.45 |
0.34 |
0.33 |
48 |
0.33 |
0.22 |
0.21 |
0.46 |
0.35 |
0.34 |
49 |
0.33 |
0.23 |
0.21 |
0.46 |
0.36 |
0.34 |
50 |
0.34 |
0.24 |
0.22 |
0.47 |
0.37 |
0.35 |
51 |
0.34 |
0.24 |
0.22 |
0.48 |
0.38 |
0.36 |
52 |
0.34 |
0.25 |
0.23 |
0.48 |
0.39 |
0.37 |
53 |
0.35 |
0.26 |
0.23 |
0.49 |
0.40 |
0.37 |
54 |
0.35 |
0.26 |
0.23 |
0.50 |
0.41 |
0.38 |
55 |
0.35 |
0.27 |
0.24 |
0.50 |
0.42 |
0.39 |
56 |
0.39 |
0.28 |
0.25 |
0.54 |
0.44 |
0.40 |
57 |
0.42 |
0.30 |
0.27 |
0.57 |
0.45 |
0.42 |
58 |
0.45 |
0.31 |
0.28 |
0.61 |
0.47 |
0.44 |
59 |
0.48 |
0.32 |
0.29 |
0.64 |
0.48 |
0.45 |
60 |
0.51 |
0.34 |
0.31 |
0.68 |
0.50 |
0.47 |
61 |
0.54 |
0.35 |
0.32 |
0.71 |
0.52 |
0.49 |
62 |
0.58 |
0.36 |
0.34 |
0.74 |
0.53 |
0.50 |
63 |
0.61 |
0.38 |
0.35 |
0.78 |
0.55 |
0.52 |
64 |
0.64 |
0.39 |
0.37 |
0.81 |
0.56 |
0.54 |
65 |
0.67 |
0.40 |
0.38 |
0.85 |
0.58 |
0.55 |
66 |
0.69 |
0.43 |
0.41 |
0.86 |
0.61 |
0.58 |
67 |
0.70 |
0.46 |
0.44 |
0.88 |
0.63 |
0.61 |
68 |
0.72 |
0.48 |
0.47 |
0.90 |
0.66 |
0.64 |
69 |
0.74 |
0.51 |
0.50 |
0.91 |
0.69 |
0.67 |
70 |
0.75 |
0.54 |
0.53 |
0.93 |
0.71 |
0.70 |
71 |
0.77 |
0.56 |
0.55 |
0.95 |
0.74 |
0.73 |
72 |
0.79 |
0.59 |
0.58 |
0.96 |
0.77 |
0.76 |
73 |
0.80 |
0.62 |
0.61 |
0.98 |
0.79 |
0.79 |
74 |
0.82 |
0.64 |
0.64 |
1.00 |
0.82 |
0.82 |
75 |
0.84 |
0.67 |
0.67 |
1.01 |
0.85 |
0.85 |
76 |
0.85 |
0.69 |
0.69 |
1.03 |
0.86 |
0.86 |
77 |
0.87 |
0.70 |
0.70 |
1.05 |
0.88 |
0.88 |
78 |
0.89 |
0.72 |
0.72 |
1.06 |
0.90 |
0.90 |
79 |
0.90 |
0.74 |
0.74 |
1.08 |
0.91 |
0.91 |
80 |
0.92 |
0.75 |
0.75 |
1.10 |
0.93 |
0.93 |
81 |
0.94 |
0.77 |
0.77 |
1.11 |
0.95 |
0.95 |
82 |
0.95 |
0.79 |
0.79 |
1.13 |
0.96 |
0.96 |
83 |
0.97 |
0.80 |
0.80 |
1.15 |
0.98 |
0.98 |
84 |
0.99 |
0.82 |
0.82 |
1.16 |
1.00 |
1.00 |
85 |
1.00 |
0.84 |
0.84 |
1.18 |
1.01 |
1.01 |
The monthly charge |
= |
[$250,000 x 1.18] / $1,000 |
|
= |
[$295,000] / $1,000 |
|
= |
$295 or $1.18 per $1,000 of Base Policy Specified Amount ($295 / 250) |
The monthly charge |
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + (($10,000,000 - $500,000) x 0.01)] / $1,000 |
|
= |
[($250,000 x 0.13) + ($250,000 x 0.05) + ($9,500,000 x 0.01)] / $1,000 |
|
= |
[$32,500 + $12,500 + $95,000] / $1,000 |
|
= |
$140,000 / $1,000 |
|
= |
$140 or $0.02 per $1,000 of Base Policy Specified Amount ($140 / 10,000) |
The monthly charge |
= |
[($250,000 x 0.35) + (($400,000 – 250,000) x 0.27)] / $1,000 |
|
= |
[($250,000 x 0.35) + ($150,000) x 0.27)] / $1,000 |
|
= |
[($87,500) + ($40,500)] / $1,000 |
|
= |
$128,000 / $1,000 |
|
= |
$128 or $0.32 per $1,000 of Base Policy Specified Amount ($128 / 400) |
The monthly charge for the increase only |
= |
[($100,000 x 0.34) + ($150,000 x 0.31)] / $1,000 |
|
= |
[($34,000) + ($46,500)] / $1,000 |
|
= |
$80,500 / $1,000 |
|
= |
$80.50 or $0.33 per $ 1,000 of the Base Policy Specified Amount increase ($80.50 / 250) |
The monthly charge |
= |
[($250,000 x 0.50) + (($150,000 x 0.42) + ($100,000 x 0.50) + ($150,000 x 0.47)] / $1,000 |
|
= |
[($125,000) + ($63,000) + ($50,000) + ($70,500)] / $1,000 |
|
= |
$308,500 / $1,000 |
|
= |
$308.50 or $0.48 per $ 1,000 of Base Policy Specified Amount ($308.50 / 650) |
|
Page |
2 | |
2 | |
2 | |
2 | |
3 | |
3 | |
4 | |
4 |
|
|
President and Chief Operating Officer and Director |
Carter, John L. |
Executive Vice President-Chief Human Resources Officer |
Clements, Vinita J. |
Executive Vice President-Chief Technology Officer |
Fowler, James R. |
Executive Vice President and Director |
Frommeyer, Timothy G. |
Executive Vice President-Chief Legal Officer |
Howard, Mark S. |
Executive Vice President-Chief Marketing Officer |
Jones, Ramon |
Executive Vice President-Chief Customer, Strategy and Innovation Officer |
Mahaffey, Michael W. |
Executive Vice President-Chief Transformation Officer |
Shore, Amy T. |
Senior Vice President-NF Strategic Customer Solutions |
Ambrozy, Tina S. |
Senior Vice President-Strategic Planning |
Amodeo, Daniel W. |
Senior Vice President-Marketing Management - Financial Services |
Bair, Ann S. |
Senior Vice President-Corporate Controller and Chief Accounting Officer |
Benson, James D. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President-Marketing Content & Delivery |
Boyd, Michael A. |
Senior Vice President-Legal – NF |
Boyer, John N. |
Senior Vice President-Human Resources – IT & Legal |
Bretz, Angela D. |
Senior Vice President-Chief Technology Officer - Nationwide Financial |
Carrel, Michael W. |
Senior Vice President-Chief Investment Officer |
Coleman, Joel L. |
Senior Vice President-Chief Compliance Officer |
Dankovic, Rae Ann |
Senior Vice President-Chief Risk Officer |
Diem, Klaus K. |
Senior Vice President-External Affairs |
English, Steven M. |
Senior Vice President-Trial Division |
Failor, Scott E. |
Senior Vice President-Chief Financial Officer - Nationwide Financial and Director |
Ginnan, Steven A. |
Senior Vice President-Annuity Distribution |
Guymon, Rona |
Senior Vice President-Retirement Solutions Sales |
Hawley, Craig A. |
Senior Vice President-Nationwide Annuity and Director |
Henderson, Eric S. |
Senior Vice President-Corporate Operations & Litigation Legal |
Innis-Thompson, Janice |
Senior Vice President-Investment Management Group |
Jestice, Kevin T. |
Senior Vice President-Internal Audit |
Jordan, Gregory S. |
Senior Vice President-Chief Innovation and Digital Officer |
Kandhari, Chetan D. |
Senior Vice President-Chief Technology Officer – Technology Strategy, Data & Innovation |
Kolp, Melanie A. |
Senior Vice President and Treasurer |
LaPaul, David |
Senior Vice President-Chief Information Security Officer |
Lukens, Todd |
Senior Vice President-Marketing Management - P&C |
MacKenzie, Jennifer B. |
Senior Vice President-Technology CFO & Procurement |
O'Brien, Kevin G. |
Senior Vice President-Corporate Solutions |
Perez, Juan J. |
Senior Vice President-Talent & Organization Effectiveness |
Pheister, Erin R. |
Senior Vice President-Nationwide Retirement Institute |
Rodriguez, Kristi L. |
Senior Vice President-Corporate Real Estate |
Sherry, Kieran P. |
Senior Vice President-Finance & Strategy Legal and Corporate Secretary |
Skingle, Denise L. |
Senior Vice President-Nationwide Life and Director |
Snyder, Holly R. |
Senior Vice President-Total Rewards |
Sonneman, Christopher Paul |
Senior Vice President-Retirement Solutions |
Stevenson, Eric |
Senior Vice President-Chief Advanced Analytics Officer |
Terry, Shannon |
Senior Vice President-Chief Technology Officer – Property & Casualty |
Vasudeva, Guruprasad C. |
Senior Vice President-Human Resources - NF |
Webster, Cynthia S. |
Director |
Walker, Kirt A. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide Financial Services, Inc. |
Delaware |
The company acts primarily as a holding company for companies within the Nationwide organization that offer or distribute life insurance, long-term savings and retirement products. |
NFS Distributors, Inc. |
Delaware |
The company acts primarily as a holding company for Nationwide Financial Services, Inc. companies. |
Nationwide Financial General Agency, Inc. |
Pennsylvania |
The company is a multi-state licensed insurance agency. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide Fund Distributors, LLC |
Delaware |
The company is a limited purpose broker-dealer. |
Nationwide Fund Management, LLC |
Delaware |
The company provides administration, transfer and dividend disbursing agent services to various mutual fund entities. |
Nationwide Retirement Solutions, Inc. |
Delaware |
The company markets and administers deferred compensation plans for public employees. |
Nationwide Securities, LLC |
Delaware |
The company is a general purpose broker-dealer and investment adviser registered with the Securities and Exchange Commission. |
Nationwide Trust Company, FSB |
Federal |
This is a federal savings bank chartered by the Office of Thrift Supervision in the United States Department of Treasury to exercise deposit, lending, agency, custody and fiduciary powers and to engage in activities permissible for federal savings banks under the Home Owners’ Loan Act of 1933. |
Nationwide Financial Services Capital Trust |
Delaware |
The trust’s sole purpose is to issue and sell certain securities representing individual beneficial interests in the assets of the trust |
525 Cleveland Avenue, LLC |
Ohio |
This is a limited liability company organized under the laws of the State of Ohio. The company was formed to provide remedial real property cleanup prior to sale. |
Nationwide Life Insurance Company 2
|
Ohio |
The corporation provides individual life insurance, group and health insurance, fixed and variable annuity products and other life insurance products. |
Jefferson National Life Insurance Company2,3
|
Texas |
The company provides life, health and annuity products. |
Jefferson National Life Annuity Company C2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account E2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account F2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Annuity Account G2,3
|
|
A separate account issuing variable annuity products. |
Jefferson National Life Insurance Company of New York2,3
|
New York |
The company provides variable annuity products. |
Jefferson National Life of New York Annuity Account 12,3
|
|
A separate account issuing variable annuity products. |
MFS Variable Account2,3 |
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Multi-Flex Variable Account2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-II2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-32,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-42,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-52,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-62,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-72,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-82,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-92,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-102,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-112,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-122,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-132,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-142,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Variable Account-152,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account 12,3
|
Pennsylvania |
A separate account issuing variable annuity contracts. |
Nationwide VLI Separate Account2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-22,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-32,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Company |
Jurisdiction
of Domicile |
Brief Description of Business |
Nationwide VLI Separate Account-42,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-52,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-62,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VLI Separate Account-72,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account 12,3
|
Pennsylvania |
A separate account issuing variable life insurance policies. |
Nationwide Investment Services Corporation3
|
Oklahoma |
This is a limited purpose broker-dealer and distributor of variable annuities and variable life products for Nationwide Life Insurance Company and Nationwide Life and Annuity Insurance Company. The company also provides educational services to retirement plan sponsors and its participants. |
Nationwide Financial Assignment Company3
|
Ohio |
The company is an administrator of structured settlements. |
Nationwide Investment Advisors, LLC3
|
Ohio |
The company provides investment advisory services. |
Eagle Captive Reinsurance, LLC3
|
Ohio |
The company is engaged in the business of insurance |
Nationwide Life and Annuity Insurance Company2,3
|
Ohio |
The company engages in underwriting life insurance and granting, purchasing and disposing of annuities. |
Nationwide VA Separate Account-A2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-B2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-C2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide VA Separate Account-D2,3
|
Ohio |
A separate account issuing variable annuity contracts. |
Nationwide Provident VA Separate Account A2,3 |
Delaware |
A separate account issuing variable annuity contracts. |
Nationwide VL Separate Account-C2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-D2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide VL Separate Account-G2,3
|
Ohio |
A separate account issuing variable life insurance policies. |
Nationwide Provident VLI Separate Account A2,3 |
Delaware |
A separate account issuing variable life insurance policies. |
Olentangy Reinsurance, LLC3
|
Vermont |
The company is a captive life reinsurance company. |
Nationwide SBL, LLC |
Ohio |
The company is a lender offering securities-back lines of credit. |
Registered Investment Advisors Services, Inc. |
Texas |
The company is a technology company that facilitates third-party money management services for registered investment advisors |
Nationwide Fund Advisors4 |
Delaware |
The trust acts as a registered investment advisor. |
Jefferson National Life Annuity Account C |
Nationwide Variable Account-14 |
Jefferson National Life Annuity Account E |
Nationwide Variable Account-15 |
Jefferson National Life Annuity Account F |
Nationwide VA Separate Account-A |
Jefferson National Life Annuity Account G |
Nationwide VA Separate Account-B |
Jefferson National Life of New York Annuity Account 1 |
Nationwide VA Separate Account-C |
MFS Variable Account |
Nationwide VA Separate Account-D |
Multi-Flex Variable Account |
Nationwide VLI Separate Account |
Nationwide Variable Account |
Nationwide VLI Separate Account-2 |
Nationwide Variable Account-II |
Nationwide VLI Separate Account-3 |
Nationwide Variable Account-3 |
Nationwide VLI Separate Account-4 |
Nationwide Variable Account-4 |
Nationwide VLI Separate Account-5 |
Nationwide Variable Account-5 |
Nationwide VLI Separate Account-6 |
Nationwide Variable Account-6 |
Nationwide VLI Separate Account-7 |
Nationwide Variable Account-7 |
Nationwide VL Separate Account-C |
Nationwide Variable Account-8 |
Nationwide VL Separate Account-D |
Nationwide Variable Account-9 |
Nationwide VL Separate Account-G |
Nationwide Variable Account-10 |
Nationwide Provident VA Separate Account 1 |
Nationwide Variable Account-11 |
Nationwide Provident VA Separate Account A |
Nationwide Variable Account-12 |
Nationwide Provident VLI Separate Account 1 |
Nationwide Variable Account-13 |
Nationwide Provident VLI Separate Account A |
President and Director |
Ambrozy, Tina S. |
Senior Vice President-Head of Taxation |
Biesecker, Pamela A. |
Senior Vice President and Secretary |
Skingle, Denise L. |
Vice President-Tax |
Eppley, Daniel P. |
Vice President and Assistant Secretary |
Garman, David A. |
Vice President-Chief Compliance Officer |
Rabenstine, James J. |
Vice President-CFO – Life Insurance |
Wild, Keith D. |
Associate Vice President and Treasurer |
Roswell, Ewan T. |
Associate Vice President and Assistant Treasurer |
Hacker, Hope C. |
Associate Vice President and Assistant Treasurer |
Reese, John A. |
Associate Vice President and Assistant Treasurer |
Walker, Tonya G. |
Assistant Secretary |
Bowman, Heidi |
Assistant Secretary |
Dokko, David |
Assistant Secretary |
Hartman, Mark E. |
Director |
Henderson, Eric S. |
Director |
Stevenson, Eric |
Name of Principal Underwriter |
Net Underwriting Discounts |
Compensation on Redemption |
Brokerage Commissions |
Other Compensation
|
Nationwide Investment Services Corporation |
N/A |
N/A |
N/A |
N/A |
Nationwide VL Separate Account-G |
(Registrant) |
Nationwide Life and Annuity Insurance Company |
(Depositor) |
By: /s/ Jamie Ruff Casto |
Jamie Ruff Casto
Attorney-in-Fact |
JOHN L. CARTER |
|
John L. Carter, President and Chief Operating Officer and Director (Principal Executive Officer) |
|
HOLLY R. SNYDER |
|
Holly R. Snyder, Senior Vice President and Director |
|
TIMOTHY G. FROMMEYER |
|
Timothy G. Frommeyer, Executive Vice President and Director |
|
ERIC S. HENDERSON |
|
Eric S. Henderson, Senior Vice President-Nationwide Annuity and Director |
|
STEVEN A. GINNAN |
|
Steven A. Ginnan, Senior Vice President-Chief Financial Officer-Nationwide Financial and Director (Chief Financial Officer) |
|
KIRT A. WALKER |
|
Director |
|
JAMES D. BENSON |
|
James D. Benson, Senior Vice President-Corporate Controller and Chief Accounting Officer (Principal Accounting Officer) |
|
|
By: /s/ Jamie Ruff Casto |
|
Jamie Ruff Casto
Attorney-in-Fact |