0001359314 2026-10-27 2026-10-27 0001359314 nmvla:C000216216Member 2026-10-27 2026-10-27 pure utr:Y 0001359314 false N-6 N-6 NORTHWESTERN MUTUAL VARIABLE LIFE ACCOUNT II <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:227.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:9.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:330pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">If you surrender your </span><a href="#bookmark_policy_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (or if you change your </span><a href="#bookmark_policy_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to </span><a href="#bookmark_paidup_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> insurance) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the first </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">ten</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> you will be assessed a surrender charge. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">current surrender charge is </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">%.</span></div></div> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawals are subject to a $25 service charge (currently waived) for each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">withdrawal request.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:69.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charge and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee)</span></div></div> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Also see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Information </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">About the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy – Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Benefits </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Paid-Up </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Insurance)</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:227.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:93.5pt;"> <div style="line-height:9.35pt;text-align:left;"> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:3pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.50pt;font-weight:bold;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:2pt;vertical-align:Top;width:330pt;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">If you surrender your </span><a href="#bookmark_policy_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> (or if you change your </span><a href="#bookmark_policy_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> to </span><a href="#bookmark_paidup_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Paid-up</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> insurance) </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">in the first </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">ten</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;"> you will be assessed a surrender charge. The </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">current surrender charge is </span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">%.</span></div></div> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawals are subject to a $25 service charge (currently waived) for each </span></div> <div style="margin-left:5.75pt;margin-right:5.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">withdrawal request.</span></div></div></td> <td style="padding-bottom:2pt;vertical-align:Top;width:69.5pt;border-right:0.5pt solid #000000;"> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Expense </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Tables – </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fees </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Surrender </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Charge and </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Withdrawal </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Fee)</span></div></div> <div style="line-height:10.12pt;text-align:left;"> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;line-height:10.12pt;margin-left:0.0pt;"> </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Also see </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Information </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">About the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy – Other </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Benefits </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Available </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Under the </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Policy </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">(Paid-Up </span></div> <div style="margin-left:5.75pt;margin-right:3pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:9.20pt;margin-left:0.0pt;">Insurance)</span></div></div></td></tr></table> 10 0 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:14.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:281pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.625pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.625pt;vertical-align:Bottom;width:164pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:45pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:35pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr> <tr style="height:35pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:32pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:107pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;line-height:9.20pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;vertical-align:Top;width:164pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:14.5pt;"> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:107pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Charge</span></div></div></td> <td rowspan="2" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Bottom;width:105pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td colspan="2" style="border-bottom:0.5pt solid #000000;padding-bottom:2.625pt;padding-top:2.625pt;vertical-align:Bottom;width:281pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:14.5pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.625pt;vertical-align:Bottom;width:117pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Guaranteed Maximum Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.625pt;vertical-align:Bottom;width:164pt;"> <div style="line-height:8.65pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:6.80pt;font-weight:bold;">Current Charge</span></div></div></td></tr> <tr style="height:45pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:9.50pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span></div> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:35pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Maximum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-2.5pt;">4</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr> <tr style="height:35pt;"> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:107pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Minimum Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-style:italic;margin-left:0.0pt;position:relative;top:-2.5pt;">5</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:117pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;border-bottom:0.5pt solid #000000;padding-bottom:2.375pt;padding-top:2.375pt;vertical-align:Top;width:164pt;"> <div style="line-height:10.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:32pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:107pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;line-height:9.20pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;vertical-align:Top;width:164pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:7.65pt;font-weight:bold;margin-left:0.0pt;">Surrender Charge</span><span style="color:#000000;font-family:Arial;font-size:5.5pt;font-weight:bold;margin-left:0.0pt;position:relative;top:-2.5pt;">3</span> <span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Upon surrender or </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">change to paid-up </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">insurance during the first </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">ten </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a> 0 0 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:493pt;table-layout:auto;"> <tr style="height:32pt;"> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:107pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Charge for Insured</span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;line-height:9.20pt;margin-left:0.0pt;"> </span><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Issue </span></div> <div style="margin-left:6pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;font-style:italic;margin-left:0.0pt;">Age 35</span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:105pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> </span></div></div></td> <td style="background-color:#E5E5E5;border-right:0.5pt solid #000000;padding-bottom:1.5pt;vertical-align:Top;width:117pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:4.25pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Same as current charge</span></div></div></td> <td style="background-color:#E5E5E5;padding-bottom:1.5pt;vertical-align:Top;width:164pt;"> <div style="line-height:9.20pt;text-align:left;"> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">0% in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 1-5 of the </span><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Target </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_tar_getprem_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Premium</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">, grading down monthly in </span><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Policy </span></a></div> <div style="margin-left:4.25pt;margin-right:6pt;text-align:Left;white-space:normal;"><a href="#bookmark_policyyear_37f67d69-45b9-4311-abd9-c9ed18c4ea8a"><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;">Years</span></a><span style="color:#000000;font-family:Arial;font-size:8.28pt;margin-left:0.0pt;"> 6-10 to 0%</span></div></div></td></tr></table> 2026-10-27