POLICY SPECIFICATIONS (Continued) ANNUAL PREMIUM RATE: Rates per $1,000 of Life Insurance Benefits – Based on Issue Age of the Insured Issue Age Band Non-Tobacco Tobacco 0-17 $6.03 N/A 18 $6.45 N/A 19-25 $6.45 $10.75 26-30 $8.04 $13.39 31-35 $10.22 $16.63 36-40 $13.27 $21.25 41-45 $17.31 $27.52 46-50 $23.14 $35.91 51-55 $31.93 $47.60 56-60 $45.49 $63.76 61-65 $64.96 $83.99 66 $76.15 $97.17 67 $82.16 $104.06 68 $94.30 $112.32 69 $97.19 $120.66 70 $104.75 $129.12 71 $113.21 $138.50 72 $122.38 $148.99 73 $132.72 $160.51 74 $144.18 $173.35 75 $156.97 $187.71 76 $171.36 $203.78 77 $187.54 $221.70 78 $205.69 $241.61 79 $226.05 $263.70 80 $248.86 $288.16 Rates per $1,000 of Group Whole Life Accelerated Death Benefit for Long Term Care with Extension of Benefits (GWLTCE) – Based on Issue Age of the Rider Insured Issue Age Band 18-25 $0.10 26-30 $0.17 31-35 $0.34 36-40 $0.65 41-45 $1.10 46-50 $1.67 51-55 $2.61 56-60 $4.14 61-65 $6.88 66-70 $9.71 GWLPIN Page 3B