Ameritas Life. Preferred Non Tobacco Preferred Plus Preferred Nontobacco Preferred NT. Standard Tobacco Ages Ages 20-90

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1 Product AG Secure Survivor GUL II Excel LifeValue SUL Athena SUL IV lassifications Preferred Plus NT Standard n Tobacco Standard Tobacco Ages Ages Preferred n Tobacco Preferred Plus Preferred ntobacco Preferred NT Standard Plus NT Preferred Plus NT Preferred NT Preferred Tobacco Select ntobacco ntobacco Standard NT Preferred Tobacco Standard Plus NT Standard Plus Tobacco Preferred Tobacco Tobacco Standard Tobacco Preferred Tobacco Standard Tobacco Preferred Plus Ages Preferred Plus Ages Preferred NT Ages Standard classes All other classes Ages Preferred, Select Ages Std Plus, Pref Tobacco Ages All other classes Ages 0-85 ntobacco Ages Standard Ages Tobacco $200,000 if V Plus elected yrs % yrs % yrs % yrs % in advance Interest redited Preferred loans after year % 10% all years, plus $10/mo., plus monthly per 7% all years, plus $7/mo., plus monthly per 10% of target premium, 5% thereafter, 25% all years, plus $5/mo., plus monthly per $1000 charge $1000 charge $15/month year 1, $10/month years 2+, plus $1000 charge per unit expense charge American General Ameritas Life AXA (Equitable) Enhanced Surrender Value Rider Estate Protection Policy Split V Plus Extended NLG Four year level term rider Four-Term Rider Term Insurance Total Disability Benefit Estate Protector Living Benefit Option to Extend overage Waiver of Premium Option to Split Upon Divorce Option to Split Upon Fed. Tax Law hange Return of Premium DB Lifetime DB Gtes Option 1= level Option A= level Option A= level Option 1= level Option B= increasing Option B= increasing Option = return of premium Unisex Rates Table B-P Tables A-T Tables B,, D, E, F, G and X Table A-P (1-16) Max. SubStd. Table H/Table P Table H/Table H Table D/Table G ombo One life must be Table 8 or better Table D/ Table H/ Table D/ Table 6/ 1.50% Decreasing charge for 15 years not beyond younger insured's attained age 100 ompanion Life of NY GUL Survivor Page 1 of 5

2 Product Protection SUL SUL-G LifeGuarantee SUL lassifications John Hancock (USA) Lincoln Life MetLife Legacy Advantage SUL (LASUL) Super Preferred NT Preferred n Smoker Super Preferred NT Preferred n Smoker Preferred n Tobacco Elite nsmoker Preferred nsmoker Std Plus n Smoker Std n Smoker Standard Plus NS Standard NS Standard n Tobacco Standard nsmoker Preferred Smoker Preferred Smoker Standard Smoker Preferred Smoker Standard Smoker Standard Tobacco Standard Smoker Ages Super Preferred Ages Super Preferred Ages Standard classes Ages Elite/Preferred classes Ages All other classes Ages All other classes Ages Preferred Ages Std, Sstd, Interest redited Variable interest rate that accrues daily Loan spread of 1.25% in years 1-10,.25% in years % of premiums yr 1 (8% excess yr 1), 8% of premiums yrs 2+, $15/mo admin charge, Variable interest rate that accrues daily Difference between the loan and credit rate will not exceed 2% Yr. 1: 35% of TP, 10% on excess Yrs. 2+: 10% on entire premium 6% to age 121 4% thereafter 5% yrs 1-10, 4% yrs 11-15, 3% thereafter 15% of all premiums; $8/mo yrs 1+; plus 7.75% yrs 1-20; 5% yrs 21+; $10/mo policy monthly charge per unit fee; monthly charge per unit monthly charge per $1000 of BFA first 3 yrs $20/month policy fee, plus per unit charge Decreasing charge for 20 years Decreasing charge for 20 years Disability Payment of Specified Premium Estate Preservation V Enhancement Accel benefits (w/ or w/o 1st death; w/ or Estate preservation term rider Estate Preservation Rider Policy Split Rider Policy Protection Rider w/o ritical Illness) Estate tax repeal rider Guar surv income benefit Policy Split Option PPR Flex PPR Enhanced Disability waiver of monthly deductions Modified surrender rdr Policy split option Return of Premium Rider Disability Waiver of Specified Premium Disability waiver of specified premium Return of premium Scheduled face increase Estate protection rider Waiver of specified premium (available separately) Guaranteed policy split option rider Minimum death benefit endorsement Lifetime DB Gtes (PPR) Option A= level Option 1= level (+ROP if chosen) Option 1= level Option A= level Death Benefit Option B= increasing Option 2= increasing Option B= increasing Options Unisex Rates Max. SubStd. ombo Substandard/: Issue to age 90; one life must be age 85 or less limits (no in NY) Table 1-16 (500%) Table A-P Table A-L (non smoker & smoker) (Table Z) Table 16 (500%) Table P/Table F Table D Rating limit is 500% for an issue age below 75 Rating limits is 300% for issue ages 76 to 80 Rating Limit is 200% for issue ages 81 and older To age 75: / Table 16 /Table D Table D/ and flat extra up to $10 Ages 76-80: / Table 12 per thousand Ages 81-90: / Table 8 Page 2 of 5

3 Nationwide Product GUL Survivor YourLife NLG SUL II Survivorship UL lassifications Mutual of Omaha/United of Omaha Preferred Plus NT Preferred NT Preferred Plus NT Preferred NT Select Preferred Preferred Preferred ntobacco Preferred Tobacco Standard Plus NT Standard Plus Tobacco Standard NT Preferred Tobacco nsmoker Select Standard Standard ntobacco Standard Tobacco Preferred Tobacco Standard Tobacco Standard Tobacco Standard Smoker Ages Standard classes Ages Pref Plus and Preferred Ages Ages Younger insured Ages All other classes Ages Standard classes Ages Older insured 2.50% New York Life Principal Principal SUL Protector II 5.66% in advance 5.00% 4.50% Interest redited 25% all years, plus $5/mo., plus monthly per 30% all years (60% gtd) plus a monthly per 10% up to target all yrs, 7% over target; $10 18% all years, plus $30/mo., plus monthly per $1000 charge unit expense charge policy fee all yrs $1000 charge 2.50% Decreasing charge for 18 years Decreasing charge for 15 years Four year level term rider Estate protection rider Estate Protection First to Die Extended coverage rider LT Rider Living Benefits Lapse Guarantee Estate tax repeal rider Select estate protection rider Ten Year Level Term Four-year level term rider Policy split option rider Policy split option Lifetime DB Gtes Option 1= level Option 1= level Option 1= level Option 1= level Option 2= increasing Option 2= increasing Option 2= increasing Option 3= return of premium Option 3= return of premium Option 3= return of premium Unisex Rates Table AA-16 Table B-Z Table 2-14 Table 2-16 Ages Table 2-6 Ages Table 2-3 Ages U1-U7 Table F/Table Z Table 2/Table 13 Issue ages are At least one insured must be Max. SubStd. ombo One life must be Table 8 or better One life must be Table F or better 85 or younger and insurable using restrictions below. (Age 90 maximum.) Table 6/ Table F/ Table 2/ (Table 14) At least one insured must be: Age 75 or less and TB 16 and/or $99/M or better, or Age 80 or less and TB 6 and/or $99/M or better, or Age 85 or less and TB 3 and/or $99/M or better Page 3 of 5

4 Product Survivor UL PruLife SUL Protector lassifications Preferred Preferred Best Pref n-tobacco Preferred Plus n Tobacco n-smoker Plus n-smoker Standard nsmoker Tobacco Preferred Smoker Smoker Standard Smoker Ages Ages Ages Age last birthday Preferred nsmoker Preferred Smoker 2.50% 5% in arrears Standard Variable (rates can change each anniversary), 2.25% Preferred with a maximum of 2% over the current rate. Interest redited 1.50% loan spread (years 1-10) 5% in arrears 0% loan spread (years 11+) 25% of all premiums, plus $5/month policy fee, : 18% sales expense charge, 7.5% 70% up to target premium (3% on excess) yr. 1 plus a monthly per unit expense charge premium admin charge, $20/ month administrative and 3% yrs 2+, $7/mo policy fee, plus a per charge, plus a per unit charge in all years. unit monthly expense charge. Protective Life Decreasing charge for 14 years Prudential Financial Security Mutual Survivorship UL Decreasing charge for 20 years Estate protection endorsement Estate protection rider Living benefits rider (check state availability) Policy split option Guaranteed policy split rider Split option rider - Divorce Terminal illness/accel. DB rider Split option rider - Federal Estate Tax changes Term life insurance rider Lifetime DB Gtes Option A= level Option A= level Option A= level Option B= increasing Unisex Rates Table 1-16 Table A-K Table 2-16 (Table T) (non smoker & smoker) Max. SubStd. ombo Table K Table 16 /Table 4 Table H/Table T / Table 4 Page 4 of 5

5 Product lassifications Estate onserver UL Preferred NS Standard NS Super Pref. n-nic. Preferred n-nicotine Preferred NT Standard NT Preferred Smoker Standard Smoker Standard n-nic. Preferred Nicotine Preferred Tobacco Standard Tobacco Standard Nicotine Ages $500,000 Security Mutual in New Jersey Voya Security Life of Denver Ages Ages Preferred, JEA Ages 0-90 Standard NT Ages Standard Tobacco Ages require special home office attn Symetra SUL-G 1.0 Voya Strategic Accumulator SUL Variable (rates can change each anniversary) Yrs % years 1-10 Yrs % years 11+ Interest redited 1.50% loan spread (years 1-10) 0% loan spread (years 11+) 70% up to target premium (3% on excess) yr. 1 9% of all premiums, plus $20/mo policy fee 15% to target (7.75% on excess) yr 1; 10.5% to and 3% yrs 2+, $9/ month policy fee, plus a per ($30/mo. max), plus a monthly per unit target (6% on excess) yrs 2-6; 8% yrs 7-10 (5.25%, unit monthly expense charge. expense charge on excess); 5.25% all premiums yrs 11+; $30/mo yrs 1-10, $10/mo yrs 11+, plus monthly per unit charge Decreasing charge for 20 years ne Living benefits rider (check state availability) haritable Giving Benefit Estate Preservation Rider Policy Split Option Accelerated death benefit Adjustable term rider Overloan lapse protection Single life term rider VUL conversion rider Lifetime DB Gtes Death Benefit Options Option A= level Option A= level Option 1= level Option B= increasing Option 2= increasing Option 3= return of premium Unisex Rates Max. SubStd. ombo Table 2-16 Table 16 Table 1-16 If both insureds have a table rating or flat extra, Table P Table A-P (non smoker & smoker) combined table ratings must be table 8 or less (non smoker & smoker) (non smoker & smoker) /Table 4 If one insured has a table U, the other cannot / Table H have higher than table 4 Page 5 of 5