PLIC BVUL II 2026 485B

As filed with the Securities and Exchange Commission on April 29, 2026

Registration No. 333-149363

811-05118

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM N-6

REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933

Post-Effective Amendment No. 18

and/or

REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940

Amendment No. 300

Principal Life Insurance Company Variable Life Separate Account

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(Exact Name of Registrant)

Principal Life Insurance Company

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(Name of Depositor)

The Principal Financial Group, 711 High Street, Des Moines, Iowa 50392

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(Address of Depositor’s Principal Executive Offices) (Zip Code)

(515) 246-5688

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Depositor’s Telephone Number, including Area Code

Kate F. Stecklein

Principal Life Insurance Company

Principal Financial Group

711 High Street, Des Moines, Iowa 50392

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(Name and Address of Agent for Service)

Title of Securities Being Registered: Principal ® Benefit Variable Universal Life II

Approximate Date of Proposed Public Offering: Continuously on and after the effective date of this registration statement.

It is proposed that this filing will become effective (check appropriate box)

_____ immediately upon filing pursuant to paragraph (b)

XX on May 1, 2026 pursuant to paragraph (b)

_____ 60 days after filing pursuant to paragraph (a)(1)

_____ on (date) pursuant to paragraph (a)(1) of Rule 485 under the Securities Act

If appropriate, check the following box:

_____ This post-effective amendment designates a new effective date for a previously filed post-effective amendment.

PRINCIPAL® BENEFIT VARIABLE UNIVERSAL LIFE II

FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY

Issued by Principal Life Insurance Company (the “Company”) through its

Principal Life Insurance Company Variable Life Separate Account (the "Separate Account")

This prospectus is dated May 1, 2026.

This prospectus, also known as the statutory prospectus, is only for the use of current Policy Owners. It provides information about the Policy.

The Policy features two types of investment options: (1) the Divisions of the Separate Account, each of which invests in the shares of corresponding mutual fund or series thereof ("Underlying Fund"); and (2) the Fixed Account, which guarantees principal and credits a fixed rate of interest. Information about the Underlying Funds available as investment options under the Policy is contained in their respective current prospectuses, which you should read carefully.

The Securities and Exchange Commission (“SEC”) has not approved or disapproved this security or determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.

Additional information about certain investment products, including variable life insurance policies, has been prepared by the SEC’s staff and is available at Investor.gov.

The availability of investment options, Policy benefits, or other Policy features described in this prospectus may vary depending on your financial professional or your financial professional's firm. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.

TABLE OF CONTENTS


			Page
GLOSSARY			3
KEY INFORMATION			5
OVERVIEW OF THE POLICY			9
SUMMARY: FEE TABLES			10
PRINCIPAL RISKS OF INVESTING IN THE POLICY			12
CORPORATE ORGANIZATION AND OPERATION			15
CHARGES AND DEDUCTIONS			16
GENERAL DESCRIPTION OF THE POLICY			20
PREMIUMS			26
DEATH BENEFITS AND POLICY VALUES			29
OTHER BENEFITS AVAILABLE UNDER THE POLICY			33
SURRENDERS AND PARTIAL SURRENDERS			36
LOANS			38
POLICY TERMINATION AND REINSTATEMENT			39
TAX ISSUES RELATED TO THE POLICY			41
GENERAL PROVISIONS			45
LEGAL PROCEEDINGS			47
FINANCIAL STATEMENTS			47
APPENDIX - UNDERLYING FUNDS AVAILABLE UNDER THE POLICY			48
APPENDIX A - SURRENDER CHARGE RATE TABLE			69
APPENDIX B - SURRENDER CHARGE PERCENTAGE TABLE			72
APPENDIX C - TARGET PREMIUM RATES			76
APPENDIX D - APPLICABLE PERCENTAGES (FOR LIFE INSURANCE DEFINITION TEST)			82
ADDITIONAL INFORMATION			92

GLOSSARY

Adjustment – change to the Policy resulting from an increase or decrease in total face amount or a change in: tobacco status; death benefit option; rating or riders.

Adjustment Date – the Monthly Date on or next following the Company’s approval of a requested Adjustment.

Attained Age –the Insured’s issue age plus the number of full Policy Years since the policy date

Base Policy Face Amount – the insurance benefit provided by the Policy without any riders.

Business Day – any date that the New York Stock Exchange (“NYSE”) is open for trading and trading is not restricted.

Company (and we, us, our) - Principal Life Insurance Company.

Death Benefit Guarantee Premium Requirement – the amount of premium required to be paid in order to maintain the protections of the Death Benefit Guarantee Rider.

Division – a part of the Separate Account which invests in shares of a corresponding Underlying Fund. The "Money Market Division" refers to the Fidelity VIP Government Money Market Portfolio .

Effective Date – the date on which all requirements for issuance of a Policy have been satisfied.

Fixed Account – the portion of the Policy Value that is held in our general account, other than Policy Value held in the Loan Account.

General Account – assets of the Company other than those allocated to the Separate Account or our other separate accounts.

Home Office – the address shown on your Policy cover page or such other address we provide.

Insured – the person named as the “Insured” on the Data Pages.

Loan Account – portion of the Policy Value that reflects the Loan Indebtedness (if you have taken out a loan).

Loan Indebtedness – the amount of any policy loan(s) and unpaid loan interest.

Maturity Date – the Policy anniversary following the Insured’s 121st birthday.

Monthly Date – the day of the month which is the same day as the Policy Date. For example, if the Policy Date is September 5, 2005, the first Monthly Date is October 5, 2005.

Monthly Policy Charge – the amount subtracted from the Policy Value on each Monthly Date.

Net Amount at Risk – the amount upon which the cost of insurance charges are based, computed as follows: the death benefit (as described in the Policy) at the beginning of the Policy Month, divided by 1.0024663; minus the Policy Value at the beginning of the Policy Month calculated as if the Monthly Policy Charge was zero.

Net Policy Value – the Policy Value minus any Loan Indebtedness.

Net Premium – the gross premium less the deductions for the Premium Expense Charge. It is the amount of premium allocated to the Divisions and/or the Fixed Account.

Net Surrender Value – Surrender Value minus any Loan Indebtedness.

Owner – the person, including joint Owner, who owns all the rights and privileges of this Policy.

Planned Periodic Premium – the premium in the amount and frequency you plan to pay.

Policy Date – the date from which Monthly Dates, Policy Years and policy anniversaries are determined.

Policy Month – any one-month period beginning on the Monthly Date. For example, if the Monthly Date is May 5, 2005; the first Policy Month ends on June 4, 2005.

Policy Value – the sum of the values in the divisions, the Fixed Account and the Loan Account.

Policy Year – the one-year period beginning on the Policy Date and ending one day before the Policy anniversary and each subsequent one year period beginning on a Policy anniversary. For example, if the Policy Date is September 5, 2005, the first Policy Year ends on September 4, 2006.

Premium Expense Charge – the charge deducted from premium payments to cover a sales charge and state, local and federal tax payments.

Prorated Basis – in the proportion that the value of a particular Division or the Fixed Account bears to the total value of all Divisions and the Fixed Account.

Separate Account - the Principal Life Insurance Company Variable Life Separate Account, an account established by us which has Divisions to which Net Premiums may be allocated under the Policy.

Surrender Value – Policy Value minus any surrender charge.

Target Premium – a premium amount which is used to determine any applicable Premium Expense Charge. Target premiums are provided in Appendix C.

Total Face Amount – Policy Face Amount plus Face Amount of the supplemental benefit rider, if any.

Underlying Fund – a registered open-end investment company, or a separate investment account or portfolio thereof, in which a Division invests.

Unit – the accounting measure used to calculate the value of each Division.

Valuation Period – the period begins at the close of normal trading on the New York Stock Exchange ("NYSE"), generally 4:00 p.m. E.T. on each Business Day, and ends at the close of normal trading of the NYSE on the next Business Day.

Written Request – actual delivery to the Company at our Home Office of a written notice or request, signed and dated, on a form we supply or approve, or in such other form and substance that is acceptable to us. In states where permitted, we will require you to use the form(s) we provide for certain Written Requests, along with required supporting documentation, including, for example, for a policy surrender, a change of beneficiary, or a request to adjust your Policy.

Written Requests may be mailed to us at:

Principal Life Insurance Company

P.O. Box 10431

Des Moines, Iowa 50306-0431

Phone: 1-800-247-9988

Fax: 1-866-885-0390

you, your – the Owner of the Policy.

KEY INFORMATION

Important Information You Should Consider about the Policy

FEES AND EXPENSES

Location in Statutory Prospectus

Charges for Early Withdrawals

Guaranteed Maximum: $55.83 per $1,000 of Policy Face Amount (5.83%)

"Face Amount" refers to the life insurance coverage amount. If you fully surrender your Policy within ten years of the Policy Date shown on your Data Pages or a Face Amount increase, a surrender charge is imposed. For example, if you make an early withdrawal, you could pay a maximum surrender charge of up to $5,583 on a Policy with a Face Amount of $100,000. Surrender charges decline over time.

SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS

Transaction Charges

In addition to surrender charges, you may be charged for other transactions, including a sales charge and taxes assessed on each premium paid, a transaction fee for unscheduled partial surrenders and transfer fees.

SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS

Ongoing Fees and Expenses

(annual 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 under the Policy, as well as interest for any Loan Indebtedness. Certain fees and expenses are set based on the characteristics of the Insured (e.g., age, sex, and rating classification). You should view the Data Pages for rates applicable to you. "Data Pages" are the pages of the Policy which contain information specific to you, to the Insured and the Policy. Current or revised Data Pages may be sent to you from time to time.

SUMMARY: FEE TABLES - Periodic Charges Other Than Annual Underlying Fund Expenses

Investors will also bear expenses associated with the Underlying Funds , as shown in the following table:

SUMMARY: FEE TABLES - Annual Underlying Fund Expenses

CHARGES AND DEDUCTIONS

APPENDIX - Underlying Funds Available Under the Policy

Annual Fee

Minimum

Maximum

Investment Options (Underlying Fund Fees and Expenses)

0.12%

2.50%


RISKS		Location in Statutory Prospectus
Risk of Loss	You can lose money by investing in a Policy.	PRINCIPAL RISKS OF INVESTING IN THE POLICY - Risk of Loss; Not a Short Term Investment
Not a Short-Term Investment	The Policy is not a short-term investment and is not appropriate for an investor that needs ready access to cash. Withdrawals will reduce the value of the Policy and the death benefit and may lead to adverse tax consequences.
Risks Associated with Investment Options	An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Policy (e.g., the Underlying Funds). Each investment option (including the Fixed Account) has its own unique risks. A comprehensive discussion of the risks of each Underlying Fund may be found in the Underlying Fund’s prospectus. You should review these investment options before making an investment decision.	PRINCIPAL RISKS OF INVESTING IN THE POLICY
Insurance Company Risks	An investment in the Policy is subject to the risks related to the Company. Any obligations (including under the Fixed Account), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available at https://investors.principal.com/investor-relations/our-business/credit-ratings/default.aspx.	GENERAL DESCRIPTION OF THE POLICY - General Account
Policy Lapse	When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. Poor investment performance, partial surrenders, failure to pay sufficient premiums, and unpaid policy loans and loan interest will increase the risk of lapse. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.	PRINCIPAL RISKS OF INVESTING IN THE POLICY - Policy Termination (Lapse) POLICY TERMINATION AND REINSTATEMENT


RESTRICTIONS		Location in Statutory Prospectus
Investments	While you may transfer amounts in the Divisions (which invest in shares of a corresponding Underlying Fund) and Fixed Account, certain restrictions and transfer fees apply with regard to the number and amount of such transfers. Transfers from the Fixed Account are subject to significant limitations.Transfers are also subject to the excessive trading and market timing polices described in this prospectus.	GENERAL DESCRIPTION OF THE POLICY - Limitations on Transfers
	We reserve the right to remove or substitute Underlying Funds as investment options. Depending on your state, or your financial professional or your financial professional's firm, certain investment options may not be available.	GENERAL DESCRIPTION OF THE POLICY - Reservation of Rights GENERAL DESCRIPTION OF THE POLICY - Material State Variations GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations
Optional Benefits	Some optional benefits under the Policy are subject to limitations, restrictions, and additional charges, including with respect to their availability and the amounts that may be paid under such benefits.	OTHER BENEFITS AVAILABLE UNDER THE POLICY
	Withdrawals may significantly reduce the value of a benefit. Depending on your state, or your financial professional or your financial professional's firm, certain benefits may not be available or may be available on different terms.	GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations
	Not all of the options described in the prospectus are available or approved for use in every state.	GENERAL DESCRIPTION OF THE POLICY - Material State Variations


TAXES		Location in Statutory Prospectus
Tax Implications	You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties.	TAX ISSUES RELATED TO THE POLICY


CONFLICTS OF INTEREST		Location in Statutory Prospectus
Investment Professional Compensation	The Company pays compensation to broker-dealers, financial institutions and other parties for the sale of the Policy, including commissions on premiums paid on the Policy. The Company and/or its affiliates may also pay other amounts such as marketing allowances, expense reimbursements and education payments. Such compensation may influence the financial intermediary or sales representative to recommend the purchase of this Policy over competing policies or over other investment options.	PRINCIPAL RISKS OF INVESTING IN THE POLICY - Conflicts of Interest
Exchanges	Some financial representatives may have a financial incentive to offer a new policy in place of the one you already own. You should only exchange an existing policy if you determine, after comparing the features, fees and risks of both policies, and any fees or penalties to terminate the existing policy, that it is preferable to purchase the new policy rather than continue to own an existing policy.	PRINCIPAL RISKS OF INVESTING IN THE POLICY - Conflicts of Interest

OVERVIEW OF THE POLICY

This is a brief summary of the Policy’s features. More detailed information follows later in this prospectus.

Purpose

The Policy is an individual flexible premium variable universal life insurance policy offered by the Company. The purpose of the Policy is primarily to provide death benefit protection upon the death of the Insured.

The Policy Value reflects your premium payments, partial surrenders, policy loans, unpaid loan interest policy expenses, interest credited to the Fixed Account, and/or investment experience of the Divisions. As a result, the Policy may be appropriate for persons seeking both life insurance protection and the potential for the accumulation of cash values. However, it is not suitable as a short-term investment due to the costs of insurance and the expenses charged. In addition, withdrawals from the Policy (as well as loans) will increase the risk of lapse and may have adverse tax consequences.

Premiums

This is a "flexible premium" policy, which means you may choose the amount and frequency of premium payments (subject to certain limitations).

Net Premium payments are allocated to the Fixed Account and the Divisions according to your instructions. The Fixed Account guarantees principal and credits a fixed rate of interest. Each Division invests in a corresponding Underlying Fund. The Underlying Funds are mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies. It is possible that the investment performance could cause a loss of the entire amount allocated to the Division. A full description of each Underlying Fund, including its investment objectives, policies and restrictions, charges and expenses and other operational information is contained in its prospectus. Additional information about each Underlying Fund is provided in APPENDIX - UNDERLYING FUNDS AVAILABLE UNDER THE POLICY.

The Internal Revenue Code imposes limits on premiums under the guideline premium/cash value corridor test, as well as to determine whether the Policy is classified as a Modified Endowment Contract. If you make a premium payment that we determine exceeds one or both of these limits, we reserve the right to only accept that portion of the payment that is within the applicable limit(s).

Payment of insufficient premiums may result in a lapse of the Policy.

Contract Features

Death Benefits/Maturity Proceeds

Under the Policy, the Company guarantees to pay a death benefit for as long as the Policy is in force. The death proceeds are paid to the beneficiary(ies) when the Insured dies. Death proceeds are paid in cash or applied under a benefit payment option elected on the application (or, if no option was selected, Option 1). Subject to certain conditions, the death benefit option may be changed after the Policy has been issued.

If the Policy is in force and the Insured is living on the Policy Maturity Date, we will pay the Owner an amount equal to the Net Surrender Value unless the Extended Coverage Rider is in effect. Maturity proceeds are paid in cash lump sum or applied under a benefit payment option. The Policy terminates on the Policy Maturity Date unless extended by the Extended Coverage Rider.

Surrenders and Withdrawal Options

The Policy may be fully surrendered and any Net Surrender Value paid to the Owner. If the full surrender is within ten years of the Policy Date or a Face Amount increase, a surrender charge is imposed.

On or after the first policy anniversary and prior to the Policy Maturity Date, you may surrender a part of the Net Surrender Value. Partial surrenders are subject to limitations on the number and amounts you may surrender. A transaction fee of the lesser of $25 or 2% of the amount surrendered is imposed on each partial surrender after the second partial surrender in a Policy Year.

Partial surrenders may significantly reduce the Policy Value, the death benefit, and any optional benefits and will increase the risk of lapse. Surrenders may also have adverse tax consequences.

Loans

A loan may be taken using the Policy as collateral. The maximum loan amount is 90% of the Net Surrender Value. You are charged interest on any Loan Indebtedness.

Outstanding policy loans and loan interest may significantly reduce the death benefit and any optional benefits, and will increase the risk of lapse. Unpaid Loan Indebtedness may also have adverse tax consequences.

Transfers

Subject to certain limitations, you may transfer funds among the Divisions and the Fixed Account. We also offer Automatic Portfolio Rebalancing. You may incur an additional fee for transfers.

Optional Insurance Benefits

Subject to certain conditions, you may add one or more optional insurance benefits to your Policy, including benefits that accelerate the payment of your death benefit under certain circumstances or help manage the risk of lapse. An additional charge may apply if you elect an optional benefit.

SUMMARY: FEE TABLES

The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Policy. Please refer to your Data Pages for information about the specific fees you will pay based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Policy, surrender the Policy or make withdrawals from the Policy, or transfer value between investment options.


Transaction Fees
Charge	When Charge is Deducted	Amount Deducted
Sales Charge	upon receipt of premium
Maximum		6.70% of premium paid(1)
Current		6.70% of premium paid(1)
Taxes (federal, state and local)	upon receipt of premium
Maximum		3.25% of premium paid
Current		3.25% of premium paid
Surrender Charge (full surrender of Policy)	from surrender proceeds
Maximum		$55.83 per $1,000 of policy face amount
Minimum		$6.30 per $1,000 of policy face amount
Maximum Charge for Representative Insured (The representative Insured is a 45-year old male in Policy Year one)		$10.73 per $1,000 of policy face amount
Transfer Fee for Unscheduled Division Transfer	upon each unscheduled Division transfer after the first unscheduled Division transfer in a Policy Month
Maximum		$25 per unscheduled Division transfer
Current		None
Optional Insurance Benefits(2)
Life Paid-Up Rider	on the date rider benefit begins
Maximum		13.50% of Policy Value
Current		3.50% of Policy Value
(if Policy is issued with the guideline premium/cash value corridor test)
Current		7.50% of Policy Value
(if the Policy is issued with the cash value accumulation test)

(1) In Policy Years one through five, the maximum sales charge on premium paid in excess of Target Premium is 5.20%. In Policy Years six and beyond, the maximum sales charge is 6.7% on premium paid in excess of Target Premium. See GLOSSARY for definition of Target Premium.

(2) Rates shown assume Insured’s risk class is standard or better. For more information see GENERAL DESCRIPTION OF THE POLICY – Optional Insurance Benefits.

This table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Underlying Fund fees and expenses


Periodic Charges Other Than Annual Underlying Mutual Fund Expenses
	When Charge
Charge	is Deducted	Amount Deducted
Cost of Insurance(1)	monthly
Maximum		$83.33 per $1,000 of Net Amount at Risk(6)
Minimum		$0.01 per $1,000 of Net Amount at Risk(6)
Maximum Charge for Representative Insured(2)		$0.22 per $1,000 of Net Amount at Risk
Asset Based Charge:	monthly	equivalent to:
Maximum		0.70% of Net Policy Value per year
Current		0.70% of Net Policy Value per year
Monthly Policy Issue Charge(1)	monthly
Maximum		$1.09 per $1,000 of Total Face Amount
Minimum		$0.07 per $1,000 of Total Face Amount
Maximum Charge for Representative Insured(2))		$0.07 per $1,000 of Total Face Amount
Net Policy Loan Charge	annually (accrued daily)
Maximum		1.00% of Loan Indebtedness per year
Current		1.00% of Loan Indebtedness per year
Optional Insurance Benefits
Accounting Benefit Rider	monthly
Maximum		$0.0208 per thousand of Base Policy Face Amount
Current		$0.0208 per thousand of Base Policy Face Amount
Supplemental Benefit Rider(1)	monthly
(Cost of Supplemental Insurance)
Maximum		$83.33 per $1,000 of Net Amount at Risk
Minimum		$0.01 per $1,000 of Net Amount at Risk
Maximum Charge for Representative Insured(2)		$0.22 per $1,000 of Net Amount at risk
Waiver of Monthly Policy Charges Rider(1)
Maximum		$0.51 per $1,000 of Net Amount at Risk
Minimum		$0.01 per $1,000 of Net Amount at Risk
Maximum Charge for Representative Insured(2)		$0.02 per $1,000 of Net Amount at Risk
Waiver of Specified Premium Rider(1)	monthly
Maximum		$0.94 per $100 of Planned Periodic Premium
Minimum		$0.15 per $100 of Planned Periodic Premium
Maximum Charge for Representative Insured(2)		$0.47 per $100 of Planned Periodic Premium

(1) This charge varies based on individual characteristics. The charge shown in the table may not be representative of the charge that you will pay. To obtain more information about the charge that would apply to you, contact your registered representative or call 1-800-247-9988 and request personalized illustrations.

(2) The representative Insured is a 45-year-old male with a risk classification of preferred non-tobacco for Policy Year one.

The following table shows the minimum and maximum total operating expenses charged by the Underlying Funds that you may pay periodically during the time that you own the Policy. Expenses shown may change over time or be higher or lower in the future. A complete list of Underlying Funds, including their annual expenses, is provided in APPENDIX - UNDERLYING FUNDS AVAILABLE UNDER THE POLICY.


Annual Underlying Mutual Fund Expenses as of December 31, 2025	Minimum	Maximum
Total annual underlying mutual fund expenses (expenses that are deducted from underlying mutual fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)	0.12%	2.50%

PRINCIPAL RISKS OF INVESTING IN THE POLICY

Risk of Loss

You can lose money by investing in a Policy, including loss of principal. It is possible that investment performance could cause a loss of the entire amount allocated to the Divisions. Without additional premium payments or a death benefit guarantee rider, it is possible that no death benefit would be paid upon the Insured’s death.

Not a Short Term Investment

This Policy is not suitable as a short-term savings vehicle and is not appropriate if you need ready access to cash. Costs of insurance and other Policy expenses may reduce the value of your Policy and its benefits. In addition, the benefits of tax deferral are better for investors with long time horizons. Partial surrenders may significantly reduce the Policy Value, the death benefit, and any optional benefits and will increase the risk of lapse.

Policy Termination (Lapse)

On an ongoing basis, the Policy’s Net Surrender Value must be sufficient to cover the Monthly Policy Charges and any Loan Indebtedness. It is possible that poor investment performance, Monthly Policy Charges, Loan Indebtedness, and/or partial surrenders could cause the Policy to lapse unless additional premiums are paid. Partial surrenders and policy loans may increase the risk of lapse because the amount of either or both is not available to generate investment return or pay for policy charges. It is possible that the Policy could lapse even if your Policy has a rider that is intended to help you manage the risk of lapse. When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.

Limitations on Access to Surrender Value

The Policy should not be viewed as a highly-liquid investment. Your ability to withdraw money from the Policy is restricted and partial surrenders may negatively affect your Policy Value, death benefit, and any optional benefits.

Unscheduled Partial Surrenders

The minimum amount of a partial surrender is $500. The total of the amount(s) surrendered may not be greater than 90% of the current Net Policy Value. The partial surrender may not decrease the total Face Amount to less than $100,000. A transaction fee of the lesser of $25 or 2% of the amount surrendered is charged on each partial surrender after the second partial surrender in a Policy Year. The death benefit will be reduced by the amount of the partial surrender.

Scheduled Partial Surrenders

Partial surrenders may be scheduled on a monthly, quarterly, semiannual, or annual basis. Each scheduled partial surrender may not be greater than 90% of the Net Surrender Value (as of the date of the scheduled partial surrender). The Policy Value will be reduced by the amount of any scheduled partial surrender.The Total Face Amount may be reduced by the amount of each scheduled partial surrender.

Full Surrenders

If the full surrender is within ten years of the Policy Date or a Policy Face Amount increase, a surrender charge is imposed. Surrender charges are calculated based on the number of years the Policy was in force.

If you reinstate your Policy and then it is fully surrendered, a surrender charge may be imposed. The number of Policy Years is calculated from the original Policy Date through the surrender date - excluding the period during which the Policy was terminated

Adverse Tax Consequences

A full surrender, cancellation of the Policy by lapse or the maturity of the Policy on its Maturity Date may have adverse tax consequences. If the amount received by the Owner plus any Loan Indebtedness exceeds the premiums paid into the Policy, then the excess generally will be treated as taxable income.

In certain employer-sponsored life insurance arrangements, participants may be required to report for income tax purposes, one or more of the following:

•the value each year of the life insurance protection provided;

•an amount equal to any employer-paid premiums; or

•some or all of the amount by which the current value exceeds the employer’s interest in the Policy.

You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. Participants should consult with the sponsor or the administrator of the plan and/or with their personal tax or legal adviser to determine the tax consequences, if any, of their employer-sponsored life insurance arrangements. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

There are other tax issues to consider when you own a life insurance policy. These are described in more detail in TAX ISSUES RELATED TO THE POLICY.

Risks of Underlying Funds

Amounts that you allocate to the Divisions are subject to the risk of poor investment performance. Each Division invests in an Underlying Fund. The performance of each Division depends on the performance of its Underlying Fund. Each Underlying Fund has its own investment risks, and you are exposed to an Underlying Fund's investment risks when you invest in the corresponding Division.

The Underlying Funds are NOT available to the general public directly but are available only as investment options in variable life insurance policies or variable annuity contracts issued by life insurance companies and qualified plans. Some of the Underlying Funds have been established by investment advisers that manage publicly available mutual funds having similar names and investment objectives. While some of the Underlying Funds may be similar to, and may in fact be modeled after publicly available mutual funds, the Underlying Funds are not otherwise directly related to any publicly available mutual fund. Consequently, the investment performance of publicly available mutual funds and of any Underlying Fund may differ substantially.

Potentially Harmful Transfer Activity

This Policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the Policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other Policy owners. We have limitations and restrictions on transfer activity, which we apply to all owners of the Policy without exception.

Insurance Company Risks

An investment in the Policy is subject to the risks related to the Company. Any obligations, guarantees, or benefits are subject to the claims-paying ability of the Company. If the Company is unable to meet its obligations to creditors, it is possible that the Company's obligations to you under this Policy may not be satisfied.

Conflicts of Interest

Investment Professional Compensation

The Company pays compensation to broker-dealers, financial institutions and other parties (“Financial Intermediaries”) for the sale of the Policy according to schedules in the sales agreements and other agreements reached between the Company and the Financial Intermediaries. Such compensation generally consists of commissions on premiums paid on the Policy. The Company and/or its affiliates may also pay other amounts (“Additional Payments”) that include, but are not limited to, marketing allowances, expense reimbursements and education payments. These Additional Payments are designed to provide incentives for the sale and retention of the Policies as well as other products sold by the Company and may influence the Financial Intermediary or sales representative to recommend the purchase of this Policy over competing policies or over other investment options. You may ask your sales representative about these differing and divergent interests and the compensation paid to your representative and such representative's broker-dealer for soliciting applications for the Policy.

Some financial representatives may have a financial incentive to offer a new policy in place of the one you already own. You should only exchange an existing policy if you determine, after comparing the features, fees and risks of both policies, and any fees or penalties to terminate an existing policy, that it is preferable to purchase the new policy rather than continue to own an existing policy.

Compensation and Underlying Fund Selection

When selecting the Underlying Funds, we consider each such fund’s investment strategy, asset class, manager’s reputation, and performance. We also consider the amount of compensation that we receive from the Underlying Funds, their advisers, sub-advisers, or their distributors, which can be significant. Additionally, we offer certain Underlying Funds at least in part because they are managed by an affiliate.

Compensation We Receive from Underlying Funds

The Company and certain of our affiliates receive compensation from certain Underlying Funds pursuant to Rule 12b-1 under the 1940 Act. This compensation is paid out of an Underlying Fund’s assets and is as much as 0.25% of the average net assets of an Underlying Fund that are attributable to the variable life insurance products issued by us and our affiliates that offer the particular fund (the Company’s variable contracts). An investment in an Underlying Funds with a 12b-1 fee will increase the cost of your investment.

Compensation We Receive from Underlying Fund Advisors

We and certain of our affiliates also receive compensation from the advisers and sub-advisers to some of the Underlying Funds. We use this compensation for such purposes as paying expenses that we incur in promoting, issuing, distributing and administering the Policy and providing services on behalf of the Underlying Funds in our role as intermediary. Some advisers and sub-advisers pay us more than others; some advisers and sub-advisers do not pay us any such compensation. The advisers' revenues from which such compensation is paid may be derived, in whole or in part, from the advisory fees deducted from Underlying Fund assets.

Other Conflicts of Interest

The Underlying Funds are available to registered separate accounts offering variable annuity and variable life products of other affiliated and unaffiliated insurance companies, as well as to the Separate Account and other separate accounts of the Company. Although we do not anticipate any disadvantages to these arrangements, it is possible that a material conflict may arise between the interests of the Separate Account and one or more of the other separate accounts participating in the Underlying Funds. A conflict may occur, for example, as a result of a change in law affecting the operations of variable life and variable annuity separate accounts, differences in the voting instructions of the Owners and payees and those of other insurance companies, or some other reason. In the event of a conflict of interest, we will take steps necessary to protect Owners and payees, including withdrawing the Separate Account from participation in the Underlying Funds involved in the conflict or substituting shares of other funds.

Risks Affecting Our Administration of Your Policy

Our operations and/or the activities and operations of our service providers and business partners are subject to certain risks that may be beyond our control, including systems failures and operational disruptions caused by severe natural or man-made events (e.g., natural disasters, pandemics, cyberattacks). These risks are not unique to the Company and they could materially impact our ability to conduct business, safeguard your personal information, and administer the Policy (e.g., calculate Policy values or Unit Values, process Policy transactions). These events could also impact the issuers of the securities in which the Underlying Funds invest, which could cause your Policy to lose value.

The Company is highly dependent upon its computer systems and those of its business partners. This makes the Company potentially susceptible to operational and information security risks resulting from a cyber-attack or other cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption and destruction maintained by the Company, and indirect risks, such as denial of service attacks on service provider websites and other operational disruptions that impede our ability to electronically interact with service providers. Cybersecurity threats, and methods and devices used to attack systems and networks, evolve constantly (for example, through the increased use of artificial intelligent ("AI") tools). Although we make substantial efforts to protect our computer systems from these security risks, including internal processes and technological defenses that are preventative or detective, and other controls designed to provide multiple layers of security assurance, there can be no guarantee that we, our service providers, or the Underlying Funds will be able to avoid adverse impacts from cybersecurity incidents including the types of impacts described above. If your Contract is adversely affected as a result of the failure of our cybersecurity controls, we will take reasonable steps to restore your Contract.

CORPORATE ORGANIZATION AND OPERATION

The Company

The Company is a stock life insurance company located at 711 High Street, Des Moines, Iowa 50392. It is authorized to transact life and annuity business in the District of Columbia and every state. The Company is a wholly owned subsidiary of Principal Financial Services, Inc., which in turn, is a directly wholly owned subsidiary of Principal Financial Group, Inc.

Principal Life Insurance Company Variable Life Separate Account

The Separate Account was established under Iowa law on November 2, 1987 and is registered as a unit investment trust with the SEC. This registration does not involve SEC supervision of the investments or investment policies of the Separate Account.

The income, gains, and losses, whether or not realized, credited to or charged against the Separate Account reflect the Separate Account’s own investment experience and not the investment experience of the Company’s other assets. Assets of the Separate Account may not be used to pay any liabilities of the Company other than those arising from the policies funded by the Separate Account. The Company is obligated to pay all amounts promised to Owners under the Policy, subject to the Company's financial strength and claims-paying ability.

The Company does not guarantee the investment results of the Separate Account. .

The Fixed Account

The Fixed Account is part of our General Account. Because of exemptions and exclusions contained in the Securities Act of 1933 and the Investment Company Act of 1940, the Fixed Account has not been registered under these acts. Neither the Fixed Account nor any interest in it is subject to the provisions of these acts. However, disclosures relating to the Fixed Account are subject to generally applicable provisions of the federal securities laws relating to the accuracy and completeness of statements made in prospectuses. You may obtain more information regarding the Fixed Account from our Home Office or from a registered representative.

Our obligations with respect to the Fixed Account are supported by our General Account. Subject to applicable law, we have sole discretion over the investment of assets in the General Account.

We guarantee that Net Premiums allocated to the Fixed Account accrue interest daily at an effective annual rate of 3% compounded annually. We may, in our sole discretion, credit interest at a higher rate.

We may defer payments of proceeds payable out of the Fixed Account for a period of up to six months.

Our underwriting guidelines prohibit Fixed Account values in related policies* to exceed $20 million without our prior approval. In addition, without our prior approval, in each calendar year no more than $5 million of Net Premium payment allocations and/or transfers to the Fixed Accounts may be made by related policies. In the absence of your instructions, we will refund the premium payment to the Owner and/or reject the transfer instructions which would otherwise cause these limits to be exceeded.

* Related policies are those owned and/or sponsored by a single entity (for example, the employer of the Insureds). We determine what policies are related.

We reserve the right to limit premium payments and/or transfers allocated to the Fixed Account.

The Underlying Funds

The assets of each Division of the Separate Account invest in a corresponding Underlying Fund. The Company purchases and sells fund shares for the Separate Account at their net asset value. The assets of each Division are separate from the others. A Division’s performance has no effect on the investment performance of any other Division.

The funds are mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies. Additional information about each Underlying Fund, including its name, type, investment advisor, current expenses and performance, is provided in APPENDIX - UNDERLYING FUNDS AVAILABLE UNDER THE POLICY. Each Underlying Fund has issued a prospectus that contains more detailed information about the Underlying Fund. You should read the Underlying Fund prospectuses carefully before investing. These documents are available without charge on the following website www.principal.com/BenefitVUL2Report.

Voting Rights

We vote shares of the Underlying Funds owned by the Separate Account according to the instructions of the Owners. We will notify you of shareholder meetings of the Underlying Funds related to the Divisions in which you hold Units. We will send you proxy materials and instructions for you to provide voting instructions to us. We will arrange for the handling and tallying of proxies received from you and other Policy Owners. If you give no voting instructions, we will vote those shares in the same proportion as shares for which we received instructions.

We determine the number of Underlying Fund shares that you may instruct us to vote by allocating one vote for each $100 of Policy Value in the Division. Fractional votes are allocated for amounts less than $100. We determine the number of Underlying Fund shares you may instruct us to vote as of the record date established by the mutual fund for its shareholder meeting. In the event that applicable law changes or we are required by regulators to disregard voting instructions, we may decide to vote the shares of the Underlying Funds in our own right. Because there is no required minimum number of votes a small number of votes can have a disproportionate effect.

CHARGES AND DEDUCTIONS

We make certain charges and deductions to support operation of the Policy and the Separate Account. Some charges are deducted from premium payments when they are received. Other charges are deducted on a monthly basis while others are deducted at the time a Policy is surrendered or terminated. These charges are intended to cover distribution expenses (commissions paid to registered representatives, advertising, and printing of prospectuses), administrative expenses (processing applications; conducting medical examinations; determining insurability; establishing and maintaining records; processing death benefit claims and policy changes, reporting and overhead), and mortality expenses.

The amount of the charges in any Policy Year may not specifically correspond to the expenses for that year. We expect to recover our total expenses over the life of the Policies. To the extent that the charges do not cover total expenses for a Policy Year, we bear the loss. Conversely, if the aggregate amount of the charges deducted is more than our costs for a Policy Year, the excess is profit to the Company.

Premium Expense Charge (Sales Charge and Taxes)

When we receive your premium payment, we deduct a Premium Expense Charge that consists of a sales charge and taxes. The sales charge is intended to pay us for distribution and other expenses relating to sales of the Policy, including commissions paid to registered representatives, printing of prospectuses and sales literature, and advertising.

Deductions from premiums for the Premium Expense Charge during each of the first five years, and with respect to premiums made because of a Policy Face Amount increase during the first five years after the increase, equal:


Maximum Premium Expense Charge - Years 1-5
Percent of Premium Paid up to Target Premium(1)
Sales Charge	6.70	%
State and Local Taxes(1)	2.00	%
Federal Taxes	1.25	%

(1) A sales charge of 5.20% applies to premiums in excess of Target Premium.

Deductions from premiums for the Premium Expense Charge after the fifth Policy Year, and with respect to premiums made because of a Policy Face Amount increase more than five years after the the increase, equal:


Maximum Premium Expense Charge - Years 6+
Percent of Premium Paid up to Target Premium(1)
Sales Charge	6.70	%
State and Local Taxes(1)	2.00	%
Federal Taxes	1.25	%

(1) No sales charge on premiums in excess of Target Premium.

(2) The actual taxes we pay vary from state to state. The expense charge is based upon the average tax rate we expect to pay nationwide, the premiums we receive from all states and other expense assumptions. The rate for a particular Policy does not necessarily reflect the actual tax costs applicable to that Policy. and other expense assumptions. The rate for a particular Policy does not necessarily reflect the actual tax costs applicable to that Policy.

Surrender Charge - Full Surrenders

A surrender charge is imposed upon full surrender of the Policy within ten years of the Policy Date or of a Base Policy Face Amount increase. In addition, if you reinstate your Policy and then it is fully surrendered, a surrender charge may be imposed. The surrender charge compensates us for expenses related to the sale of the Policy.

The table below shows the maximum surrender charges.


Maximum Charge (Policy Years 0-10)			$55.83 per $1,000 of Policy Face Amount
Maximum Charge (After Policy Year 10)			None

Surrender charges vary based on gender, age at issue or Adjustment, state of issue and number of Policy Years since issue or Adjustment. The charge applies only during the first ten Policy Years unless there is a Base Policy Face Amount increase. A Base Policy Face Amount increase has its own surrender charge period that begins on the Adjustment Date. The total surrender charge on the Policy is the sum of the surrender charges for the Base Policy Face Amount at issue and each Base Policy Face Amount increase. Therefore, if the Policy is surrendered after a Base Policy Face Amount increase, surrender charges applied will be higher than if no Base Policy Face Amount increase had occurred. The surrender charge is not affected by any decrease in Base Policy Face Amount or any change in Base Policy Face Amount resulting from a change of death benefit options.

The surrender charge is (a) multiplied by (b) multiplied by (c) where:

(a) is the applicable rate from Appendix A, based upon gender unless your Policy was issued under unisex rates pursuant to state or federal regulations;

(b) is the policy face amount divided by 1,000; and

The surrender charge on an early surrender or Policy lapse is significant. As a result, you should purchase a Policy only if you have the financial capacity to keep it in force for a substantial period of time.

Transaction Fee for Unscheduled Partial Surrender

A transaction fee of the lesser of $25 or 2% of the amount surrendered is charged on each unscheduled partial surrender after the second unscheduled partial surrender in a Policy Year.

Transfer Fee for Unscheduled Division Transfer

We reserve the right to impose a transfer fee in the future of up to $25 on each unscheduled Division transfer after the first unscheduled Division transfer in a Policy Month. A transfer fee is intended to reimburse us for our additional Separate Account operation expenses related to multiple unscheduled Division transfers. Policyowners will not be provided prior notice if we begin imposing the transfer fee; however, if imposed, the transfer fee will apply to all policyowners in a non-discriminatory fashion.

For purposes of applying the transfer fee for unscheduled Division transfers, we will count all unscheduled Division transfers that occur in any one Valuation Period as one transfer. However, allocations of premium payments will not be counted as unscheduled Division transfers.

Monthly Policy Charge

On the Policy Date and each Monthly Date thereafter, we deduct the Monthly Policy Charge, which includes

•Cost of Insurance Charge;

•Asset Based Charge;

•Monthly Policy Issue Charge;

•Optional Insurance Benefit Charges; and

•any additional charges shown on the Data Pages

The Monthly Policy Charge deduction is made from your Policy Value in the Divisions and/ or Fixed Account (but not your Loan Account). The deduction is made using your current Monthly Policy Charge allocation percentages. Your allocation percentages may be: the same as allocation percentages for premium payments; determined on a Prorated Basis; or determined by any other allocation method upon which we agree. For each Division and/or the Fixed Account, the allocation percentage must be zero or a whole number. The total of the allocation percentages must equal 100. Allocation percentages may be changed without charge. A request for an allocation change is effective once approved by us, as of the next Monthly Date. If we cannot follow your instructions because of insufficient value in any Division and/or the Fixed Account, the Monthly Policy Charge is deducted on a Prorated Basis.

Cost of Insurance Charge

This charge compensates us for providing insurance protection under the Policy.


Maximum Charge			$83.33 per $1,000 of Net Amount at Risk
Minimum Charge			$0.01 per $1,000 of Net Amount at Risk

We base this charge on several factors including, but not limited to, (i) the Insured’s gender*, issue age, tobacco status, and risk classification, and (ii) our expectations of future investment earnings, expenses, mortality, and persistency.

* The cost of insurance rate for Policies issued in states which require unisex pricing or in connection with employment related insurance and benefit plans is not based on the gender of the Insured.

The Net Amount at Risk is the difference between the death benefit and Policy Value (see Glossary for exact formula). The lower the Policy Value, the higher the Net Amount at Risk thus higher costs of insurance charges. The Net Amount at Risk is affected by investment performance, policy loans, payment of premiums, fees and charges under the Policy, death benefit option chosen, partial surrenders and Face Amount adjustments.

For entities and other persons buying Policies under a sponsored arrangement that have been granted special underwriting, the cost of insurance charge may increase because of higher anticipated mortality experience. As a result, rates for healthy individuals in a group may be greater under special underwriting programs because they bear a portion of the cost of insuring the less healthy individuals in the group.

Asset Based Charge

The asset based charge compensates us for expenses associated with the maintenance, accounting and recordkeeping of the Divisions of the Separate Account. In addition, this charge reimburses us for service fees (a trail commission) paid to the registered representative.

Each month we deduct the following asset based charge.


			Percentage of Net Policy Value
Maximum Charge (Policy Years 1-10)			0.70% of Division values per year
Maximum Charge (Policy Years 11+)			0.30% of Division values per year

Monthly Policy Issue Charge

This charge reimburses us for the expenses associated with policy issue, including underwriting and setting up policy records. The monthly policy issue charge applies per $1,000 of Total Face Amount and varies by gender (if applicable), age, tobacco status and risk classification. Any Total Face Amount increase will have its own monthly policy issue charge


			Charge Applied up to 10 years from issue or Adjustment(1)
Maximum			$1.09 per $1,000 of Total Face Amount
Minimum			$0.07 per $1,000 of Total Face Amount

(1) We reserve the right to apply this charge in all years.

Optional Insurance Benefits Charges


Optional Benefit/Rider			Charge for Insureds with a Risk Classification of Standard or Better
Accounting Benefit			The monthly charge is $0.03 per $1,000 of Total Face Amount in the first five Policy Years.
Life Paid-Up (Overloan Protection)			There is no charge for the rider unless the rider benefits commence. If the rider benefits commence, there is a one-time charge guaranteed not to exceed 7.5% of the Policy Value (for policies using the guideline premium test) and 13.5% of the Policy Value (for policies using the cash value accumulation test) that is taken from the Policy Value
Supplemental Benefit Rider			The charge for this rider varies based on individual characteristics. The monthly charge is guaranteed not to be less than $0.01 nor to exceed $83.33 per $1,000 of Net Amount at Risk.
Waiver of Monthly Policy Charges			The charge for this rider varies based on individual characteristics. The monthly charge is guaranteed not to be less than $0.01 nor to exceed $0.51 per $1,000 of Net Amount at Risk.
Waiver of Specified Premium			The charge for this rider varies based on individual characteristics. The monthly charge is guaranteed not to be less than $0.15 nor to exceed $0.94 per $100 of Planned Periodic Premium..

Net Policy Loan Charge

The net policy loan charge represents the difference between the interest charged on the Loan Indebtedness and the interest credited to the Loan Account. See LOANS for more detail..

Distribution of the Policy

The Company pays commissions on sales of the Policy of no more than 50% of premiums received by the Company in the first Policy Year (or first Policy Year following an Adjustment) up to the Target Premium. In addition, a commission of up to 2.5% of premium above the Target Premium received in the first Policy Year (or first year following an Adjustment) may be paid. In the second through fifth years following the Policy Date (or Adjustment Date), commissions range from 0% to 2.5% of premiums received. A service fee of up to 0.25% of Net Policy Value is paid in the sixth through tenth Policy Years and up to 0.10% of Net Policy Value in Policy Years eleven and beyond. Expense allowances may be paid to agents and brokers based on premiums received.

The Company has appointed Principal Securities, Inc. ("PSI") , Des Moines, Iowa 50392, a broker-dealer registered under the Securities Exchange Act of 1934, a member of the Financial Industry Regulatory Authority and affiliate of the Company, as the distributor and principal underwriter of the Policy.

Applications for the Policies are solicited by registered representatives of PSI or such other broker-dealers as have entered into selling agreements with PSI. Such registered representatives act as appointed agents of the Company under applicable state insurance law and must be licensed to sell variable insurance products. The Company intends to offer the Policy in all jurisdictions where it is licensed to do business and where the Policy is approved.

Payments to Financial Intermediaries

commissions on premiums paid on the Policy. The Company and/or its affiliates may also pay other amounts (“Additional Payments”) that include, but are not limited to, marketing allowances, expense reimbursements and education payments. These Additional Payments are designed to provide incentives for the sale and retention of the Policies as well as other products sold by the Company and may influence the Financial Intermediary or registered representative to recommend the purchase of this Policy over competing policies or over other investment options. You may ask your registered representative about these differing and divergent interests, how she/he is personally compensated and how his/her broker-dealer is compensated for soliciting applications for the Policy.

Service Arrangements and Compensation

The Company and/or PSI have entered into agreements with the distributors, advisers and/or the affiliates of some of the mutual funds underlying the Policy and receive compensation for providing certain services including, but not limited to, distribution and operational support services, to the Underlying Fund. Fees for these services are paid periodically (typically, quarterly or monthly) based on the average daily net asset value of shares of each fund held by the Separate Account and purchased at the Policy Owners’ instructions.

Because the Company and PSI receive such fees, they may be subject to competing interests in making these funds available as investment options under the Policy. The Company takes into consideration the anticipated payments from Underlying Funds when it determines the charges assessed under the Policy. Without these payments, charges under the Policy are expected to be higher.

Underlying Fund Charges

The assets of each Division are used to purchase shares in a corresponding Underlying Fund at net asset value. The net asset value reflects management fees and operating expenses already deducted from the assets of the Underlying Fund. Current management fees and operating expenses for each Underlying Fund are shown in its prospectus.

GENERAL DESCRIPTION OF THE POLICY

General Account

The Company's general obligations, including those under the Fixed Account, and any guaranteed benefits under the Policy are supported by our General Account (and not by the Separate Account) and are subject to the Company's claims-paying ability. A Policy Owner should look to the Company's financial strength for its claims-paying ability. Assets in the General Account are not segregated for the exclusive benefit of any particular Policy or obligation. General account assets are also available to the Company's general creditors and the conduct of its routine business activities, such as the payment of salaries, rent and other ordinary business expenses. For more information about the Company's financial strength, you may review its financial statements and/or check its current rating with one or more of the independent sources that rate insurance companies for their financial strength and stability. Such ratings are subject to change and have no bearing on the performance of the Underlying Funds.

The Contract

The entire contract is made up of applications, amendments, riders and endorsements attached to the Policy, Data Pages, copies of any supplemental applications, amendments, and endorsements. No statement, unless made in an application, is used to void a Policy (or void an Adjustment in the case of an Adjustment application). Only our corporate officers can agree to change or waive any provisions of a Policy. Any change or waiver must be in writing and signed by an officer of the Company.

This prospectus offers a Policy which may not be available in all states and is not an offer to sell or solicitation of an offer to buy the Policy in states in which the offer or solicitation may not be lawfully made. No person is authorized to give any information or to make any representation in connection with this Policy other than those contained in this prospectus.

Rights under the Policy

Ownership

Unless changed, the Owner is as named in the application. The Owner may exercise every right and privilege of the Policy, subject to the rights of any irrevocable beneficiary(ies) and any assignee(s).

All rights and privileges of ownership of a Policy end if:

• the death proceeds are paid;

• the maturity proceeds are paid; [upon the Maturity Date (unless the Extended Coverage Rider is in effect)]

• the Policy is surrendered; or

• the grace period ends without our receiving the payment required to keep the Policy in force.

If an Owner dies before the Policy terminates, the surviving Owner(s), if any, succeeds to that person’s Ownership interest, unless otherwise specified. If all Owners die before the Policy terminates, the Policy’s ownership interest passes to the Insured. If the Owner is not a natural person and is no longer in existence, the Insured becomes the Owner unless otherwise required by law. With our consent, you may specify a different arrangement for contingent ownership.

You may change your ownership designation. Your request must be in writing and approved by us. After approval, the change is effective as of the date you signed the request for change. We reserve the right to require that you send us the Policy so that we can record the change.

Beneficiary

If the Insured dies before the Policy Maturity Date, we pay death proceeds to your named beneficiary(ies). You have the right to name a beneficiary(ies) and contingent beneficiary(ies). This may be done as part of the application process or by sending us a Written Request. Unless you have named an irrevocable beneficiary, you may change your beneficiary designation by sending us a Written Request. After approval, the change is effective as of the date you signed the request for change. We reserve the right to require that you send us the Policy so that we can record the change.

If no beneficiary(ies) survives the Insured, the death proceeds are paid to the Owner(s) or the estate of the Owner(s) in equal percentages unless otherwise specified.

Assignment

You may assign your Policy. Each assignment is subject to any payments made or action taken by the Company prior to our notification of the assignment. We assume no responsibility for the validity of any assignment.

An assignment must be made in writing and filed with us at our Home Office. The irrevocable beneficiary(ies), if any, must authorize any assignment in writing. Your rights, as well as those of the beneficiary(ies), are subject to any assignment on file with us.

Policy Limitations

Division Transfers

After the initial allocation of premiums, you may transfer amounts between the Divisions and/or to the Fixed Account. You must specify the dollar amount or percentage to transfer from each Division. The transfer is made, and the values determined, as of the end of the Valuation Period in which we receive your request. In states where allowed, we reserve the right to reject transfer instructions from someone providing them for multiple Policies for which he or she is not the Owner.

You may request an unscheduled transfer or set up scheduled transfers by:

• sending a Written Request to us;

• calling us at 1-800-247-9988 (if telephone privileges apply);

• faxing us at 1-866-885-0390; or

• visiting www.principal.com (if internet privileges apply).

Unscheduled Transfers. You may make unscheduled transfers from a Division to another Division and/or the Fixed Account. We reserve the right to impose a transfer fee of $25 on each unscheduled transfer after the first unscheduled transfer in a Policy Month.

Scheduled Transfers. You may elect to have automatic transfers made out of one Division into one or more of the other Divisions. You may not make automatic transfers from the Divisions to the Fixed Account. You choose the investment options, the dollar amount and timing of the transfers. There is no transfer fee on scheduled transfers. There is no charge for participation in the scheduled transfer program.

Automatic transfers are designed to reduce the risks that result from market fluctuations. They do this by spreading out the allocation of your money to investment options over a longer period of time. This allows you to reduce the risk of investing most of your money at a time when market prices are high. The success of this strategy depends on market trends and is not guaranteed.

Example:


Month	Amount Invested	Share Price	Shares Purchased
January	$100	$25.00	4
February	$100	$20.00	5
March	$100	$20.00	5
April	$100	$10.00	10
May	$100	$15.00	6
June	$100	$20.00	5
Total	$600	$110.00	35

In the example above, the average share price is $18.33 (total of share prices ($110.00) divided by number of purchases (6)) and the average share cost is $17.14 (amount invested ($600.00) divided by number of shares purchased (35)).

Automatic transfers are made on a periodic basis.

• The amount of the transfer is:

•the dollar amount you select; or

•a percentage of the Division value as of the date specified (other than the 29th, 30th or 31st).

• You select the transfer date (other than the 29th, 30th or 31st) and the transfer frequency (annually, semi – annually, quarterly or monthly). If the selected date is not a Business Day, the transfer is completed on the next Business Day.

• Transfers continue until your interest in the Division has a zero balance or we receive notice to stop them.

• We reserve the right to limit the number of Divisions from which simultaneous transfers are made. In no event will it ever be less than two.

• Automatic transfers are not available from the Divisions to the Fixed Account.

Fixed Account Transfers

Transfers from the Fixed Account to your Division(s) are subject to certain limitations. You may transfer amounts by making either a scheduled or unscheduled Fixed Account transfer. You may not make both a scheduled and an unscheduled transfer from the Fixed Account in the same calendar year. It may take several years before a policy Owner can move all the Policy Value in the Fixed Account to the Divisions.

Unscheduled Transfers. You may make one unscheduled transfer from the Fixed Account to Division(s) during the first 30-day period of each calendar quarter.

• In each calendar year, the transfers may not exceed:

•your Fixed Account value as of December 31 of the prior year (if $5,000 or less);

•$5,000 (if your Fixed Account value as of December 31 of the prior year is greater than $5,000 but less than $20,000); or

•25% of your Fixed Account value as of December 31 of the prior year (if the Fixed Account value is greater than $20,000).

• We must receive your notice during the 30-day period.

• You must specify the dollar amount or percentage to be transferred.

Scheduled Transfer Program. You may elect scheduled transfers from the Fixed Account to your Division(s) without an additional charge as follows:

• The value of your Fixed Account must be $20,000 or more when your scheduled transfers begin.

• You must elect participation in the program by furnishing us with notice. The election may be made at any time following the end of the examination offer period. Once made, this election is irrevocable.

• Transfers to the Divisions will be made in the proportions used for allocation of premium payments.

• If your premium payments included an allocation to the Fixed Account, your notice must include new premium payment allocations to the Division(s) only.

• During the transfer period, you may not:

•make unscheduled transfers out of the Fixed Account; or

•make transfers and premium payments to the Fixed Account.

Your election will be effective as of the Valuation Period during which we receive your notice and transfers will be made according to the following schedule:

• The first transfer will be 25% of the Fixed Account value;

• 12 months from the first transfer (or next Business Day if the transfer day is not a Business Day), 33% of the Fixed Account value;

• 24 months from the first transfer (or next Business Day if the transfer day is not a Business Day), 50% of the Fixed Account value; and

• 36 months from the first transfer (or next Business Day if the transfer day is not a business day), the balance of the Fixed Account value.

If on any transfer date, the Fixed Account value prior to the transfer is $5,000 or less, the entire Fixed Account value will be transferred.

Example: The example does not reflect payment of interest on the value in the Fixed Account. It also assumes that Monthly Policy Charges are not taken from the Fixed Account and that you make no partial surrenders or policy loans from the Fixed Account.

The policy is dated July 1, 2009. On February 7, 2010, the balance in the Fixed Account is $100,000 and scheduled transfers are elected. The transfers will occur as follows:


Date	Balance	Percent to be Transferred	Amount to be Transferred
February 7, 2009	$100,000	25%	$25,000
February 7, 2010	$75,000	33%	$24,750
February 7, 2011	$50,250	50%	$25,125
February 7, 2012	$25,125	100%	$25,125

The first day that you may make transfers or premium payments to the Fixed Account is February 8, 2012. After January 1, 2013, you may make an unscheduled transfer from the Fixed Account as set forth above.

Automatic Portfolio Rebalancing (APR)

APR allows you to maintain a specific percentage of your Net Policy Value in the Divisions over time.

Example: You may choose to rebalance so that 50% of your Policy Values are in the Money Market division and 50% in the SmallCap Value I division. At the end of the specified period, market changes may have caused 60% of your value to be in the Money Market division and 40% in the SmallCap Value I division. By rebalancing, Units from the Money Market division are sold and the proceeds are used to purchase Units in the SmallCap Value I division so that 50% of the Policy Values are once again invested in each Division.

You may elect APR at the time of application or after the Policy has been issued. There is no charge for participation in the APR program. The APR transfers:

• do not begin until the expiration of the examination offer period;

• are done without charge;

• may be done on the specified frequency (monthly, quarterly, semiannual or annual) on a Policy Year or calendar year basis;

• may be done by:

•calling us at 1-800-247-9988 (if telephone privileges apply);

•mailing your Written Request to us;

•faxing us at 1-866-885-0390; or

•visiting www.principal.com (if internet privileges apply).

• are made at the end of the next Valuation Period after we receive your instruction;

• are not available if you have scheduled transfers from the same Divisions; and

• are not available for any values in the Fixed Account.

Automatic portfolio rebalancing is also the term used in connection with certain non – qualified deferred compensation plans. In these instances, the plan has a service agreement directing the service provider to give effect to the plan’s allocation instructions.

Reservation of Rights

We reserve the right to change the Policy to assure it continues to qualify as life insurance for tax purposes. However, we cannot make any guarantee regarding the future tax treatment of any Policy.

We reserve the right to modify or endorse the Policy in order to maintain compliance with applicable laws and regulations.

We also reserve the right to amend or terminate the special plans described in this prospectus; for example, preauthorized premium payments. You would be notified of any such action to the extent required by law.

We reserve the right to make certain changes if, in our judgment, they best serve your interests or are appropriate in carrying out the purpose of the Policy. Any changes are made only to the extent and in the manner permitted by applicable laws. Also, when required by law, we will obtain your approval of the changes and approval from any appropriate regulatory authority. Approvals may not be required in all cases.

Examples of the changes we may make include:

•transfer assets in any Division to another Division;

•add, combine or eliminate Divisions; or

•substitute the shares of a Division for shares in another Division:

•if shares of a Division are no longer available for investment; or

•if in our judgment, investment in a Division becomes inappropriate considering the purposes of the Division.

If we eliminate or combine existing Divisions or transfer assets from one Division to another, you may change allocation percentages and transfer any value in an affected Division to another Division(s) without charge. If we substitute one Underlying Fund for another, you may change allocation percentages. You may exercise these privileges until the later of 60 days after a) the Effective Date of the change, or b) the date you receive notice of the options available. You may only exercise these rights if you have an interest in the affected Division(s).

Suicide

Death proceeds will not be paid if the Insured dies by suicide, while sane or insane, within two years of the Policy Date. Instead, we will return all premiums paid, less any Loan Indebtedness, less any partial surrenders. Death proceeds which are a result of a Face Amount increase made under an Adjustment or a rider that requires evidence of insurability will not be paid if the Insured dies by suicide, while sane or insane, within two years of the Adjustment Date. Instead, we will return the sum of the Monthly Policy Charges paid for the increased amount of protection.

Aviation and Hazardous Sports Exclusion Riders

Your Policy may be subject to the Aviation Exclusion Rider or the Hazardous Sports Exclusion Rider. Under these riders, if the Insured dies in an excluded circumstance, We will pay only the Net Surrender Value as of the date of death, even if there is other language in the Policy to the contrary. Excluded circumstances include death as a result of: participating in an excluded hazardous sport specified in the rider; operating, riding in, or descending from aircraft on which the Insured is a pilot or member of the operating crew, is giving or receiving training or instruction, or has other specified assigned duties; or jumping or parachuting from an aircraft.

Delay of Payments or Transfers

Payment due to surrenders, policy loans, death or maturity proceeds, and transfers to or from a Division are generally made within five days after we receive your instructions in a form acceptable to us. This period may be shorter where required by law. However, payment of any amount upon return of the Policy, full or partial surrender, policy loan, death, maturity or the transfer to or from a Division may be deferred during any period when the right to sell mutual fund shares is suspended as permitted under provisions of the Investment Company Act of 1940.

The right to sell shares may be suspended during any period when:

•trading on the NYSE is restricted as determined by the SEC or when the NYSE is closed for other than weekends and holidays, or

•an emergency exists, as determined by the SEC, as a result of which:

•disposal by a fund of securities owned by it is not reasonably practicable;

•it is not reasonably practicable for a fund to fairly determine the value of its net assets; or

•the SEC permits suspension for the protection of security holders.

If a payment or transfer is delayed and your instruction is not canceled by your Written Request, the transaction will occur on the first Business Day following the expiration of the permitted delay. The transaction is generally made within five days thereafter.

In addition, we reserve the right to defer payment of that portion of your Policy Value that is attributable to a premium payment made by check for a reasonable period of time (not to exceed 15 Business Days) to allow the check to clear the banking system.

We may defer payment of proceeds payable out of the Fixed Account for a period of up to six months.

Frequent Trading and Market-Timing (Abusive Trading Practices)

This Policy is not designed for frequent trading or market timing activity of the investment options. If you intend to trade frequently and/or use market timing investment strategies, you should not purchase this Policy. The Company does not accommodate market timing.

We consider frequent trading and market timing activities to be abusive trading practices because they:

•Disrupt the management of the Underlying Funds by forcing the fund to hold short-term (liquid) assets rather than investing for long term growth, which results in lost investment opportunities for the fund and causing unplanned portfolio turnover;

•Hurt the portfolio performance of the Underlying Funds; and

•Increase expenses of the Underlying Fund and Separate Account due to increased broker-dealer commissions and increased recordkeeping and related costs.

If we are not able to identify such abusive trading practices, the abuses described above will negatively impact the Contract and cause investors to suffer the harms described.

We have adopted policies and procedures to help us identify and prevent abusive trading practices. In addition, the Underlying Funds monitor trading activity to identify and take action against abuses. While our policies and procedures are designed to identify and protect against abusive trading practices, there can be no certainty that we will identify and prevent abusive trading in all instances. When we do identify abusive trading, we will apply our policies and procedures in a fair and uniform manner.

If we, or an Underlying Fund, deem abusive trading practices to be occurring, we will take action that may include, but is not limited to:

•Rejecting transfer instructions from a Contract Owner or other person authorized by the Owner to direct transfers;

•Restricting submission of transfer requests by, for example, allowing transfer requests to be submitted by 1st class U.S. mail only and disallowing requests made via the internet, by facsimile, by overnight courier or by telephone;

•Limiting the number of unscheduled transfers during a Contract year to no more than 12;

•Prohibiting you from requesting a transfer among the Divisions for a minimum of thirty days where there is evidence of at least one round-trip transaction (exchange or redemption of shares that were purchased within 30 days of the exchange/redemption) by you; and

•Taking such other action as directed by the Underlying Fund.

The Underlying Funds have reserved the right to accept or reject, without prior written notice, any transfer requests.

In some instances, a transfer may be completed prior to a determination of abusive trading. In those instances, we will reverse the transfer (within two Business Days of the transfer) and return the Contract to the investment option holdings it had prior to the transfer. We will give you notice in writing in this instance.

Material State Variations

Your Policy’s provisions may differ from the description in this prospectus, and certain riders and options may not be available, because of legal requirements or restrictions in the state in which the Policy was issued. A general summary of material state variations is below. The specific variations from the information appearing in this prospectus which are required due to individual state requirements are contained in Your Policy, or in riders or endorsements attached to Your Policy. You should refer to Your Policy for these state specific features.


State with Variation	Provision/Rider	Description of Variation
IL, MD, TX	Aviation Exclusion Rider	Not applicable
AZ, CT, GA, IL, KY, LA, MD, MN, MO, MT, NH, NY, ND, OK, SD, TN, TX, WI	Hazardous Sports Exclusion	Not applicable
MO, NY	Change of Insured Rider	Rider Unavailable

Financial Intermediary Variations

There may be variations in the availability of investment options, Policy benefits, and other Policy features described in this prospectus - including restrictions, limitations, and other variations - which may apply depending on the broker-dealer through which the Policy is sold or continues to be serviced. For example, your financial intermediary may not recommend a particular investment option or benefit to you. Any such financial intermediary variations are not known or reasonably available to the Company, and based on several considerations (e.g., the large number of broker-dealers through whom the Policies are distributed, and the terms of our existing selling agreements), the Company does not believe it can obtain information about any such financial intermediary variations without unreasonable effort or expense.

You should discuss with your financial professional any limitations, restrictions, or other variations related to the investment options, Policy benefits, and other Policy features that may apply through your financial professional’s broker-dealer.

PREMIUMS

Payment of Premiums

You may make unscheduled premium payments and/or Planned Periodic Premiums. Planned periodic premiums are premiums in the amount and on the frequency you plan to pay. We will send premium reminder notices if you establish an annual, semiannual, or quarterly planned payment schedule. You may set up monthly preauthorized withdrawals to allow us to automatically deduct premium payments from your checking or other financial institution account.

The amount and frequency of your premium payments affects the Policy Value, the net Policy Value, and how long the Policy remains in force. Insufficient premium payments may cause the Policy to lapse as described in POLICY TERMINATION AND REINSTATEMENT.

Premium payments may be delivered to us as follows:

•If you have established an annual, semiannual, or quarterly planned payment schedule, by sending payment in the reply envelope enclosed in the premium reminder notice;

•By mailing your payment according to the instructions below; or

•By wire transfer according to the instructions below.

Premium Payment Mailing Instructions

Premium payments sent to our Home Office must be addressed as follows:

Principal Life Insurance Company

P.O. Box 10431

Des Moines, Iowa 50306-0431

Premium Payment Wiring Instructions

Premium payments sent to us by wire transfer must be directed as follows:

Direct to: Wire Routing Transit Number 121000248

Bank name: Wells Fargo Bank, N.A.

City, State: San Francisco, CA

Beneficiary Account Number (BNF): 8785453690

Beneficiary Account Name: Principal Life Insurance Company Individual BMA EFT

OBI Information: (instructions - see below)

OBI Information is extremely important in identifying how to apply these funds. Please include the following:

•As much description as possible in the 68 characters allowed.

•Contract number(s), business group or Insured’s name, special instructions - such as “init prem”, “loan repay”, etc.

•Direct it to: ATTN: Individual Billing and Collection

Payments are to be made via personal or financial institution check (for example, a bank or cashier’s check). We reserve the right to refuse any payment that we feel presents a fraud or money laundering risk. Examples of the types of payments we will not accept are cash, money orders, travelers checks, credit card checks, and foreign checks.

Premiums Affecting Guarantee Provisions

If the Death Benefit Guarantee rider is made a part of your Policy and you pay at least the Death Benefit Guarantee Premium Requirement, the rider guarantees the Policy will not lapse before the Attained Age you choose (Attained Age 65, or Attained Age 85). Generally, a longer death benefit guarantee period will have a higher premium requirement.

The death benefit guarantee monthly premium is ((a) times (b)) divided by (c) where:

(a) is the Total Face Amount divided by 1,000;

(b) is the death benefit guarantee premium rate; and


Example If the face amount is $1,000,000 with Death Benefit Option 2 and the Insured is a 45-year old mail with a risk classification of preferred non-tobacco:
	Premium Rate	Death Benefit Guarantee Monthly Premium
Death Benefit Guarantee to Attained Age 65	$20.15	$1,680
Death Benefit Guarantee to Attained Age 85	$23.71	$1,976

You choose the death benefit guarantee period based on your scheduled premium payments. The Death Benefit Guarantee Premium Requirement is met if [(a) minus (b)] is greater than or equal to (c) where:

(a) is the sum of premiums paid;

(b) is the sum of all Loan Indebtedness and partial surrenders; and

Using the DBG 85 example above, if the Policy is in its 25th month and there have been no loans or partial surrenders, the Death Benefit Guarantee Premium Requirement on the 25th Monthly Date is $49,400 (25 times $1,976). If on any Monthly Date, the Death Benefit Guarantee Premium Requirement is not met, the protections of the rider will not apply and the Policy is at risk of terminating on any Monthly Date if the Net Policy Value is insufficient to pay the Monthly Policy Charge.

The death benefit guarantee premium rates are per $1,000 of face amount and may vary by issue age, risk classification, gender* and tobacco status. The death benefit guarantee monthly premium is shown on your Policy.

* For Policies issued in states which require unisex pricing or in connection with employment related insurance and benefit plans, the premiums are not based on the gender of the Insured

Premium Limitations

Internal Revenue Code

•If we receive such premium payments more than 30 days from the date the applicable limit will increase, we will refund the excess premium payment to you.

•If we receive such premium payments within 30 days from the date the applicable limit will increase, we will hold the excess premium payment in a non-interest bearing account and apply it to your policy once the applicable limit increases.

If any premium payment increases the Policy’s death benefit by more than it increases the Policy Value, we reserve the right to refund all or part of the premium payment. If all or part of the premium payment is not refunded, we may require satisfactory evidence of insurability.

Minimum Initial Premium

The minimum initial premium required is three Monthly Policy Charges divided by (1-Premium Expense Charge). The amount is based on the Initial Total Face Amount of the Policy, the death benefit option and the charges and expenses of the Policy. There is no minimum amount requirement for subsequent premiums; however, insufficient premium payments may cause the Policy to lapse (see POLICY TERMINATION AND REINSTATEMENT – Policy Termination (Lapse)).

Allocation of Premiums

Net premiums are allocated to the Divisions and the Fixed Account according to your instructions. The total of all allocation percentages must equal 100. Net premiums are allocated as of the Valuation Period in which they are received in good order.

You may change the percentage allocation for future premium payments by:

• sending a Written Request to us;

• calling us at 1-800-247-9988 (if telephone privileges apply);

• faxing us at 1-866-885-0390; or

• visiting www.principal.com (if internet privileges apply).

The allocation changes are effective at the end of the Valuation Period in which the new instructions are received.

Division Valuation

There is no guaranteed minimum Division value. Its value reflects the investment experience of the Division. It is possible that the investment performance could cause a loss of the entire amount allocated to the Division. Without additional premium payments or a Death Benefit Guarantee rider, it is possible that no death benefit would be paid upon the Insured’s death.

At the end of any Valuation Period, your value in a Division is:

• the number of Units you have in the Division

• multiplied by the value of a Unit in the Division.

The number of Units is the total of Units purchased by allocations to the Division from:

• your initial premium payment (less Premium Expense Charges);

• plus subsequent premium payments (less Premium Expense Charges);

• plus transfers from another Division or the Fixed Account

minus Units sold:

• for partial surrenders from the Division;

• as part of a transfer to another Division, the Fixed Account or the Loan Account; and

• to pay Monthly Policy Charges and any transaction fees.

We calculate Unit values on days that the NYSE is open for trading and trading is not restricted. We do not calculate Unit values on these recognized holidays: New Year’s Day; Labor Day; Martin Luther King, Jr. Day; Thanksgiving; President’s Day; Christmas; Good Friday; Memorial Day, Juneteenth, National Independence Day, and Independence Day. In addition, we do not calculate Unit values if an emergency exists making disposal or valuation of securities held in the Underlying Funds impracticable or if the SEC, by order, permits a suspension or postponement for the protection of security holders. To calculate the Unit value of a Division, the Unit value from the previous Business Day is multiplied by the Division’s net investment factor for the current Valuation Period. The number of Units does not change due to a change in Unit value.

The net investment factor measures the performance of each Division. The net investment factor for a Valuation Period is calculated as follows:

[the share price (net asset value) of the underlying mutual fund at the end

of the Valuation Period before that day’s transactions

plus

the per share amount of the dividend (or other distribution) made by the mutual fund during the Valuation Period}

divided by

the share price of the underlying mutual fund at the end of the previous Valuation Period after that day’s transactions].

When an investment owned by an Underlying Fund pays a dividend, the dividend increases the net asset value of a share of the Underlying Fund as of the date the dividend is recorded. As the net asset value of a share of an Underlying Fund increases, the Unit value of the corresponding Division also reflects an increase. Payment of a dividend under these circumstances does not increase the number of Units you own in the Division.

Fixed Account Valuation

The value of your Fixed Account on any Business Day is:

•Net Premiums allocated to the Fixed Account

•plus transfers from the Division(s) and the Loan Account (as a result of a loan repayment)

•plus interest credited to the Fixed Account

•minus surrenders, transaction fees, and Monthly Policy Charges

•minus transfers to the Loan Account

•minus transfers to the Division(s)

DEATH BENEFITS AND POLICY VALUES

Death Proceeds

If coverage is in effect and the Insured dies before the policy Maturity Date, we pay death proceeds upon our receipt of:

• proof of the death of the Insured (typically, a death certificate);

• Beneficiary’s Statement (Claim Form)*; and

•If the beneficiary is a trust, the Claim Form must be signed by the trustee(s) and we must also receive a copy of the trust agreement and/or our Trustee Certification Form.

•If the beneficiary is a corporation or other entity, the Claim Form must be signed by a corporate officer and we must receive proof of that person’s signing authority (e.g., submitted with a copy of the Articles of Incorporation or By-Laws indicating the authority of the office and a current Board resolution providing the name of the officer(s) authorized to sign on behalf of the entity) and a Certificate of Good Standing or Certificate of Existence provided by the state of where the entity was incorporated or otherwise created.

Payment of the death proceeds will be made within seven Business Days of receipt of the required documentation. We pay death proceeds first to the assignee, if any, in a lump sum. We pay the remainder to your named beneficiary(ies) as described below. If no beneficiary(ies) survives the Insured, we will pay the death proceeds to the Owner or the Owner’s estate unless you have given us written notice otherwise.

We will pay death proceeds according to the benefit payment option (shown below) that you have chosen. If you do not select a benefit payment option, your named beneficiary(ies) may each choose to receive payment in a lump sum or according to a benefit payment option. If your beneficiary(ies) does not choose a benefit payment option, we will pay the death proceeds in a lump sum.

Death proceeds are calculated as of the date of the Insured’s death and include:

• the death benefit described below in DEATH BENEFITS AND POLICY VALUES — Death Benefit Options;

• minus Loan Indebtedness;

• minus any overdue Monthly Policy Charges if the Insured died during a grace period;

• plus interest on the death proceeds as required by state law.

Benefit Instructions

While the Insured is alive, you may give us instructions for payment of death proceeds under one of the fixed benefit payment options of the Policy. If at the Insured’s death, you have not provided benefit payment option instructions, the beneficiary(ies) select the benefit payment option to be used. If no benefit payment option is selected, the death proceeds are paid in a cash lump sum. These choices are also available if the Policy matures or is surrendered. The

instructions or changes to the instructions must be in writing. If you change the beneficiary(ies), prior benefit payment option instructions are revoked.

Benefit Payment Options

The benefit payment options include:

• Custom Benefit Arrangement

We will make benefit payments based on arrangements you have requested and we have agreed to in writing (e.g., equal payments made over a specified period of time; joint and survivor life income with a reduced survivor benefit, etc.).

• Life Income

We will make benefit payments for a person’s lifetime; payments stop after the death of that person. It is possible that we would make no payments if the person were to die before the first payment was due.

• Life Income with Period Certain

We will make benefit payments for the longer of a person’s lifetime or a guaranteed period that you specify (must be between 5 to 30 years). If the person dies before all of the guaranteed payments have been made, we will continue to make the guaranteed payments to the person(s) you or your beneficiary designate until the end of the guaranteed period.

• Joint and Survivor Life Income

We will make benefit payments for the longer of the lifetimes of two named people. Payments stop upon the death of the survivor of the two persons. It is possible that we would make no payments if both persons were to die before the first payment was due.

• Joint and Survivor Life Income with Period Certain

We will make benefit payments for the longer of the lifetimes of two named people or a guaranteed payment period that you specify (must be between 5 to 30 years). If both people die before all of the guaranteed payments have been made, we will continue to make the guaranteed payments to the person(s) you or your beneficiary designates until the end of the guaranteed period.

These benefit payment options are also available if the Policy matures or is surrendered.

Death Benefit Options

The death benefit option is selected at the time of application. If a death benefit option is not chosen, the Policy will be issued with Death Benefit Option 1.

The three death benefit options available are:

• Death Benefit Option 1 – the death benefit equals the greater of:

•the Total Face Amount; or

•the amount found by multiplying the Policy Value by the applicable percentage*.

• Death Benefit Option 2 – the death benefit equals the greater of:

•the Total Face Amount plus the Policy Value; or

•the amount found by multiplying the Policy Value by the applicable percentage*.

• Death Benefit Option 3 – the death benefit equals the greater of:

•the Total Face Amount plus the greater of a) premiums paid less partial surrenders or b) zero; or

•the amount found by multiplying the Policy Value by the applicable percentage*.

* The applicable percentage tables are in Appendix D and are based on our interpretation of Section 7702 of the Internal Revenue Code as set forth below. The table which applies to your Policy is determined by your choice of either the guideline premium/cash value corridor test or the cash value accumulation test.

Example: The following assumptions are made to demonstrate the use of the tables found in Appendix D.

Death Benefit Option: 1

Total Face Amount: $1,000,000

Policy Value: $900,000

Definition of Life Insurance Test: Guideline Premium/Cash Value

Corridor Test

Attained Age: 45

Risk Class: Preferred Non-Tobacco

Applicable Percentage: 215%

Death Benefit: $900,000 x 215% = $1,935,000

If the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 336.69% (assuming the Insured is a male) and the death benefit would be $3,030,210.

Change in Death Benefit Option

You may change the death benefit option on or after the first policy anniversary. Up to two changes are allowed per Policy Year. Your request must be made in writing and approved by us. The Effective Date of the change will be the Monthly Date that coincides with, or next follows, our approval. If the death benefit option change involves a face decrease, you may elect to keep the current Total Face Amount, subject to underwriting review and approval.

The option may not be changed from Death Benefit Option 1 to Death Benefit Option 3 or from Death Benefit Option 2 to Death Benefit Option 3. We will increase or decrease the Total Face Amount so that the death benefit immediately after the change equals the death benefit before the change.


Changing from Death Benefit Option 1 to Death Benefit Option 2 We will decrease the Total Face Amount. The amount of the decrease is equal to the Policy Value on the Effective Date of the change. If there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis. Because the death benefit can continue to increase under Death Benefit Option 2, thereby increasing the Company’s risk, we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,000,000	$50,000
after the change	after the change	after the change
$950,000 ($1,000,000 - $50,000)	$1,000,000 ($950,000+$50,000)	$50,000


Changing from Death Benefit Option 2 to Death Benefit Option 1 We will increase the Total Face Amount. The amount of the increase is equal to the Policy Value on the Effective Date of the change. The Total Face Amount increase will be in the same proportion as the Base Policy Face Amount to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes that the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,050,000 ($1,000,000+$50,000)	$50,000
after the change	after the change	after the change
$1,050,000 ($1,000,000 + $50,000)	$1,050,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 1 We will increase the Total Face Amount if the total premiums paid are greater than total partial surrenders (including any transaction fees) as of the Effective Date of the change. The increase will be in the same proportion as the Base Policy Face Amount is to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. In addition, cost of insurance charges will likely decrease. This example assumes total premiums paid are $30,000, total partial surrenders are $10,000 and the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000+($30,000-$10,000))	$50,000
after the change	after the change	after the change
$1,020,000 ($1,000,000 + ($30,000 -$10,000))	$1,020,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 2 We will either increase or decrease the Total Face Amount by subtracting the Policy Value from the greater of a) premiums paid less partial surrenders and b) zero. Because the death benefit can continue to increase under Death Benefit Option 2, therefore increasing the Company’s risk, we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that total premiums paid are $30,000, total partial surrenders are $10,000 and the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000+($30,000-$10,000))	$50,000
after the change	after the change	after the change
$970,000 ($1,000,000 + ($30,000 -$10,000) - $50,000)	$1,020,000 ($970,000+$50,000)	$50,000

Maturity Proceeds

The policy Maturity Date is the policy anniversary where the Insured’s Attained Age is 121 and is shown on your current data pages. If the Insured is living on the policy Maturity Date, the Policy is in force and you do not want the policy Maturity Date extended by the Extended Coverage Rider, maturity proceeds equal to the Net Surrender Value are paid. If the Extended Coverage Rider is attached but you wish to receive the maturity proceeds at the Policy’s maturity and avoid conversion to Death Benefit Option 1, you must send instructions to our Home Office.

The maturity proceeds are paid either as a cash lump sum on the policy Maturity Date or under the benefit payment option you have selected. Only if the Extended Coverage Rider is present on the Policy will the policy Maturity Date automatically be extended to the date of the Insured’s death (as explained in GENERAL DESCRIPTION OF THE POLICY — Optional Insurance Benefits).

Adjustment Options

Increase in Total Face Amount

You may request an increase in the Total Face Amount at any time provided that the Policy is not in a grace period and Monthly Policy Charges are not being waived under a rider. The minimum increase in Total Face Amount is $10,000.

The request must be made on an Adjustment application. The application must be signed by the Owner(s) and the Insured. If your request is not approved, no changes are made to your Policy.

We will approve your request if:

• the Insured is alive at the time of your request; and

• the Attained Age of the Insured is 75 or less at the time of the request; and

• we receive evidence satisfactory to us that the Insured is insurable under our underwriting guidelines in place at the time of your request.

The increase in Total Face Amount is in a risk classification determined by us. The Adjustment is effective on the Monthly Date on or next following our approval of your request.

If you want insurance coverage to start at the time the Adjustment application is submitted, an “adjustment premium” payment must be sent with the completed application. The amount of the adjustment premium is based on the face amount of the Policy, the death benefit option and the charges and expenses of the Policy. This amount is shown on the policy illustration provided to you by your registered representative. If this amount is submitted with the application, an adjustment premium conditional receipt will be given to you. The receipt acknowledges the adjustment premium payment and details any interim conditional insurance coverage.

Any adjustment premium payment made in connection with the Adjustment application is held in our General Account without interest (for a period of up to a 60 days) while we complete underwriting for the Adjustment. If we approve the Adjustment, on the Effective Date of the Adjustment, the amount of the adjustment premium payment being held minus the Premium Expense Charge is moved to the Divisions and/or Fixed Account according to your then current premium allocation percentages.

The cost of insurance charge will increase in the event of an increase in a Policy’s Total Face Amount. If there is insufficient value to pay the higher charges after an increase in Total Face Amount, the Policy will lapse, unless the protections of the death benefit guarantee rider are in effect. The entire Policy would be at risk of lapsing, not just the incremental increase in Total Face Amount.

Decrease in Total Face Amount

On or after the first policy anniversary, you may request a decrease in the Total Face Amount. No transaction fee is imposed on decreases in the Total Face Amount. A decrease in face amount lowers the cost of insurance charges but does not reduce surrender charges. A decrease is requested as follows:

• the request must be made on an Adjustment application;

• the application must be signed by the Owner(s);

• the decrease is at least the minimum amount as determined by our underwriting guidelines in place at the time of your request;

• the decrease may not reduce the Total Face Amount below $100,000; and

• if there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis.

A decrease may not be allowed if the decrease would cause a refund of premium and/or the distribution of the Policy Value in order to maintain compliance with the limits required by the Internal Revenue Code relating to the definition of life insurance.

Policy Values

Your Policy Value is equal to the sum of the values in the Divisions, the Fixed Account, and Loan Account. The Policy Value:

•increases as premiums are applied and interest is credited;

•decreases as policy loans, partial surrenders, and policy expenses are deducted; and

•can increase or decrease as the investment experience of your chosen Divisions fluctuates.

OTHER BENEFITS AVAILABLE UNDER THE POLICY

In addition to the standard death benefit associated with the Policy, other standard and/or optional benefits may also be available. The following table summarizes information about those benefits. For information about the fees associated with each benefit included in the table, if any, see SUMMARY: FEE TABLES.

Not all benefits (including those referred to below as "standard") are available to all Owners or in all states, and provisions may vary. In addition, depending on your financial professional or your financial professional's firm, certain benefits may not be available, or may be available on different terms. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.

Name of Benefit

Purpose

Standard/Optional

Charge

Brief Description of Restrictions/Limitations

Accounting Benefit

Provides that if the Policy is surrendered in the first ten years, any surrender charge will be waived.

Optional

Yes

Available on business cases only; does not apply to a Policy surrendered for replacement. Approval required.

Change of Insured

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes.

Optional

Available on business cases only.

Cost of Living Increase

Provides increases in the Face Amount every three years, to the Insured’s age 55, without requiring evidence of insurability.

Standard(2)

No(3)

Death Benefit Guarantee

Guarantees the Policy will not lapse if premiums paid equal or exceed the Death Benefit Guarantee Premium Requirement.

Standard(1)

The level of premium paid determines whether the guarantee is extended to the Insured’s Attained Age 65 or 85. If the rider terminates, it may not be reinstated. Cannot be used with the Supplemental Benefit Rider.

Extended Coverage

Extends the Policy beyond the Maturity Date as long as the Policy is still in-force and the Insured is living on the Policy Maturity Date.

Standard(2)

After the Policy Maturity Date:, certain limitations and restrictions are imposed on the Policy.

Life Paid-Up (Overloan Protection)

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance.

Optional

Yes

Once the rider benefit begins, certain limitations and restrictions are imposed on the Policy. You should consult your tax advisor regarding this rider.

Supplemental Benefit

Provides additional insurance (Face Amount) at a reduced cost.

Optional

Yes

Cannot be used with the Death Benefit Guarantee Rider; approval required [may be more]

Waiver of Monthly Policy Charges

Pays the monthly deductions of the Policy if the Insured becomes disabled and loses the ability to earn an income.

Optional

Yes

Approval required.

Waiver of Specified Premium

Pays the Planned Periodic Premium on the Policy if the Insured becomes disabled and loses his/her ability to earn an income.

Optional

Yes

Approval required; may be added when Insured’s Attained Age is not greater than 59.

Accounting Benefit Rider

This rider is available on business cases only and must be elected at the time of application or any time prior to issue. It provides that if the Policy is surrendered, any surrender charge which would otherwise apply, will be waived. This waiver of surrender charge does not apply to a Policy which is surrendered for the purpose of replacing it with a policy from another company, including Internal Revenue Code Section 1035 exchanges. Our approval, under our then current underwriting guidelines, is required to add this rider.There is a monthly charge of $0.03 per $1,000 of Total Face Amount in the first five Policy Years. For example, XYZ Corp. purchased the Accounting Benefit Rider with its policy. During the third Policy Year, XYZ Corp. surrenders the policy. XYZ Corp. would not have any surrender charges on the surrender because they were waived because the Accounting Benefit Rider was part of the policy.

Change of Insured Rider

This rider is available on business cases only and may be added at any time prior to the proposed Insured’s issue age 69. It allows the business to change the Insured when an employee leaves employment or ownership of the business changes. We must receive satisfactory evidence of insurability (according to our underwriting guidelines then in effect) for the newly named Insured. Future cost of insurance rates are based on the gender, issue age, smoking status, and risk classification of the newly named Insured. Until the Effective Date of the change of Insured application, coverage remains in effect on the life of the prior Insured. The death proceeds are paid when the newly named Insured dies. There is no charge for this rider.

Cost of Living Increase Rider

This rider provides increases in the face amount every three years, to the Insured’s age 55, without requiring evidence of insurability. This rider is only available in New York and added automatically to all personally-owned Policies with a risk classification of standard or better and where the Insured’s issue age is 52 or younger. There is no charge for adding this rider; however, when there is a cost of living face amount increase, the Monthly Policy Charge and surrender charge will be higher. The surrender charge period will also extend.

Death Benefit Guarantee Rider

This rider guarantees the Policy, including any attached riders, will not lapse before the Insured attains a specified age provided that the dollar amount that is the result of all premiums paid, minus the sum of Loan Indebtedness and partial surrenders, equals or exceeds the Death Benefit Guarantee Premium Requirement. The specified age is either the Insured’s Attained Age 65 or 85, depending on the level of premium (planned or paid) at issue. The Death Benefit Guarantee Premium Requirement is described in PREMIUMS - Premiums Affecting Guarantee Provisions. The Death Benefit Guarantee Premium Requirement for your Policy will be provided to you simply by requesting an illustration (available at no charge from your registered representative or our Home Office).

If on any Monthly Date, the Death Benefit Guarantee Premium Requirement is not met, the protections of the rider will not apply and the Policy is at risk of terminating if on any Monthly Date the Net Policy Value is insufficient to pay the Monthly Policy Charge. The protections of the rider will resume on the first Monthly Date following our receipt of the premium required to meet the Death Benefit Guarantee Premium Requirement.

This rider is automatically made a part of the Policy at issue unless you elect the Supplemental Benefit Rider. There is no charge for this rider; however, sufficient premiums are required in order for the rider benefits to apply.

Extended Coverage Rider

This rider is added automatically to all Policies at issue. This rider extends the Policy beyond the Maturity Date as long as the Policy is still in force and the Insured is living on the Maturity Date. The Policy will then terminate upon the Insured’s death. No Monthly Policy Charges are deducted after the Maturity Date. No additional premium payments are allowed, Adjustment options are not available and the death benefit option is changed to Death Benefit Option 1. All Division and Fixed Account values will be transferred to the Money Market Division and no further transfers are allowed. For example, assume the Policy Maturity Date is December 31, 2021, and the Insured is still living on that date. Instead of maturity proceeds being paid on that date, this rider extends the Policy, and death proceeds are paid under Death Benefit Option 1 when the Insured dies.

You may choose not to extend the Maturity Date and instead receive the maturity proceeds by requesting the rider not be attached to your Policy. There is no charge for this rider.

Life Paid-Up Rider (Overloan Protection)

The rider may be elected at any time prior to the policy Maturity Date. Under certain circumstances, this rider can guarantee the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance. In order for the rider benefit to begin, the following conditions must be satisfied:

• the Loan Indebtedness must be at least 92% of the Surrender Value;

• there is sufficient Net Surrender Value to cover the one-time rider charge;

• the Insured’s Attained Age must be 75 years or older;

• the Policy must have been in force for at least 15 Policy Years; and

• Total partial surrenders must equal or exceed total premiums paid.

For Policies issued with the cash value accumulation test, we reserve the right to begin the rider benefit when the Loan Indebtedness is at least 86% of the Surrender Value and all other conditions are satisfied.

Once the rider benefit begins:

• The Total Face Amount is reduced to equal the Policy Value after the rider charge multiplied by 105%.

• All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

• No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

• No new premium payments, face amount Adjustments, partial surrenders or loans are allowed.

• If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

• Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

• All optional riders, except the extended coverage rider, will automatically be terminated.

There is a one time maximum charge of 7.5% of Policy Value, which is taken from the Policy Value on the date the rider benefit begins. For example, if your Policy Value is $100,000, it will be reduced by $7,500 when the benefit begins.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Cost of insurance rates are based on the Insured’s gender, issue age, duration since issue, tobacco status, and risk classification. This rider may be added to your Policy subject to our approval under our then current underwriting guidelines. There is a charge for this rider.

If you elect the Supplemental Benefit Rider, the Death Benefit Guarantee Rider is not available.

Waiver of Monthly Policy Charges Rider

This rider pays the Monthly Policy Charges of the Policy if the Insured becomes disabled (as described in the rider) and loses his/her ability to earn an income. This rider is only available in New York and may be added at anytime that the Insured’s Attained Age is not greater than 59, subject to our approval under our then current underwriting guidelines. There is a charge for this rider.

Waiver of Specified Premium Rider

This rider pays the Planned Periodic Premium on the Policy if the Insured becomes disabled (as described in the rider) and loses his/her ability to earn an income. This rider is only available in New York and may be added at anytime that the Insured’s Attained Age is not greater than 59, subject to our approval under our then current underwriting guidelines. There is a charge for this rider.

SURRENDERS AND PARTIAL SURRENDERS

Surrenders

You must send us a Written Request for any surrender. The request must be signed by all Owners, irrevocable beneficiary(ies), if any, and any assignees. The surrender is effective and the Surrender Value calculated as of the end of the Valuation Period during which we receive the Written Request for surrender. Partial surrenders may negatively affect your Death Benefit Guarantee rider, if applicable. Partial surrenders will reduce your face amount if under death benefit option 1 or 3.

Total and partial surrenders from the Policy are generally paid within five Business Days of our receipt of the Written Request for surrender. Certain delays in payment are permitted (see GENERAL DESCRIPTION - Delay of Payments).

Full Surrender

The Policy may be surrendered while the Policy is in effect. If the full surrender is within ten years of the Policy Date or a policy face amount increase, a surrender charge is imposed. There is no refund of any Monthly Policy Charges deducted before the full surrender Effective Date.

We reserve the right to require you to return the Policy to us prior to making any payment though this does not affect the amount of the Net Surrender Value.

Unscheduled Partial Surrender

On or after the first policy anniversary and prior to the policy Maturity Date, you may surrender a part of the Net Surrender Value. You may take two unscheduled partial surrenders during a Policy Year before any transaction fees

apply. After the second unscheduled partial surrender in a Policy Year, a transaction fee of the lesser of $25 or 2% of the amount surrendered is charged on each unscheduled partial surrender. An unscheduled partial surrender may not be less than $500 and may not be greater than 90% of the Net Surrender Value as of the Effective Date of the unscheduled partial surrender. The unscheduled partial surrender may not decrease the Total Face Amount to less than $100,000. Unscheduled partial surrenders will negatively affect your death benefit and your Death Benefit Guarantee rider, if applicable.

Your Policy Value is reduced by the amount of the unscheduled partial surrender plus any transaction fee. We surrender Units from the Divisions and/or values from the Fixed Account to equal the dollar amount of the surrender request. The amount of the surrender and the transaction fee are deducted from your Divisions and/or Fixed Account according to the surrender allocation percentages you specify. If surrender allocation percentages are not specified, we use your Monthly Policy Charge allocation percentages. No surrender charge is imposed on a partial surrender.

An unscheduled partial surrender may cause a reduction in Total Face Amount. If the Total Face Amount had been previously increased, any reduction of the Total Face Amount at the time of partial surrender, is made on a last in, first out basis.

•If Death Benefit Option 1 is in effect and the death benefit equals the Total Face Amount, the Total Face Amount is reduced by the amount of the unscheduled partial surrender plus transaction fee that is not deemed to be a preferred partial surrender. In situations where the death benefit is greater than the Total Face Amount, the Total Face Amount is reduced by the amount the unscheduled partial surrender plus transaction fee exceeds the difference between the death benefit and Total Face Amount.

Preferred Partial Surrender (pertains only if Death Benefit Option 1 is in effect).

During Policy Years two through 15, 10% of the Net Surrender Value as of the end of the prior Policy Year may be surrendered without a subsequent decrease in the Total Face Amount. As discussed above, any amount surrendered in excess of 10% would not constitute a preferred partial surrender and would cause a reduction in the Total Face Amount. The 10% preferred partial surrender privilege is not cumulative from year-to-year and cannot exceed $100,000 in any Policy Year or $250,000 over the life of the Policy.

The maximum preferred partial surrender is equal to ((a) plus (b)) not to exceed (c) where:

(a) is the amount of the unscheduled partial surrender plus transaction fee;

(b) is the amount of any preferred partial surrenders in the same Policy Year; and

•If the Death Benefit Option 2 is in effect, there is no reduction in the Total Face Amount upon a unscheduled partial surrender.

•If the Death Benefit Option 3 is in effect, the Total Face Amount is reduced by the lesser of (a) or (b) where:

(a) is the amount of the unscheduled partial surrender; and

(b) is the greater of (i) the amount that total partial surrenders exceed total premiums paid; or (ii) zero.

Scheduled Partial Surrender

On or after the first policy anniversary and prior to the policy Maturity Date, you may elect to receive part of your Net Surrender Value automatically on any Monthly Date.

• You select the amount of the surrender and the surrender frequency (annually, semi-annually, quarterly or monthly (based on Policy Year)).

• Your Policy Value is reduced by the amount of any scheduled partial surrender.

• The surrender is deducted from your Division(s) and/or Fixed Account according to your Monthly Policy Charge allocation percentages.

• Each scheduled partial surrender may not be greater than 90% of the Net Surrender Value (as of the date of the scheduled partial surrender).

• Scheduled partial surrenders will continue until we receive your instructions to stop them or until surrenders equal premiums paid. Once surrenders equal premiums paid, if there is any remaining Net Surrender Value, scheduled policy loans will automatically begin, unless you direct us otherwise, so as to provide you the same dollar amount at the same frequency as you had received under the scheduled partial surrenders.

• A scheduled partial surrender may cause a reduction in Total Face Amount:

•If Death Benefit Option 1 is in effect and the death benefit equals the Total Face Amount, the Total Face Amount is reduced on the first Monthly Date a scheduled partial surrender is effective (and each subsequent policy anniversary). The amount of the reduction is the sum of the scheduled partial surrenders planned for that Policy Year that are not deemed to be a preferred partial surrender. If the amount of the scheduled

partial surrender is increased, the Total Face Amount is reduced on the Monthly Date the change is effective. If the amount of the scheduled partial surrender is decreased, the Total Face Amount is not increased.

If the death benefit is greater than the Total Face Amount, the Total Face Amount is reduced by the amount determined above which exceeds the difference between the death benefit and Total Face Amount.

Preferred Partial Surrender (pertains only if Death Benefit Option 1 is in effect).

The maximum preferred partial surrender is equal to ((a) plus (b)) not to exceed (c) where:

(a) is the amount of the scheduled partial surrenders planned for that Policy Year;

(b) is the amount of any preferred partial surrenders in the same Policy Year; and

• If the Death Benefit Option 2 is in effect, there is no reduction in the Total Face Amount upon a scheduled partial surrender.

• If the Death Benefit Option 3 is in effect, the Total Face Amount is reduced on the first Monthly Date a scheduled partial surrender is effective and on each subsequent policy anniversary. The Total Face Amount may also be reduced on the Monthly Date any increase to a scheduled partial surrender is effective. The Total Face Amount is reduced by the lesser of (a) or (b) where:

(a) is the amount of the scheduled partial surrenders planned for that Policy Year; and

(b) is the greater of (i) the amount that total partial surrenders exceed total premiums paid; or (ii) zero.

LOANS

Policy Loans

While your Policy is in effect and has a Net Surrender Value, you may borrow money from us with the Policy as the security for the policy loan.

• The maximum amount you may borrow is 90% of the Net Surrender Value as of the date we process the policy loan.

• If telephone privileges apply, you may request a policy loan of $100,000 or less by calling us at 1-800-247-9988. If you do not have telephone privileges or are requesting a policy loan of more than $100,000, the request must be made in writing.

• Generally, policy loan proceeds are sent within five Business Days from the date we receive your request (see GENERAL DESCRIPTION OF THE POLICY — Delay of Payments).

• Requests for policy loans from any joint Owner are binding on all joint Owners.

• Policy loans may negatively affect your Death Benefit Guarantee rider, if applicable (see POLICY TERMINATION AND REINSTATEMENT — Policy Termination (Lapse)).

You are charged interest on any Loan Indebtedness. During the first ten Policy Years, the interest rate is 5.00% per year. After Policy Year ten, the interest rate is 4.00% per year. Interest accrues daily and is due and payable at the end of the Policy Year. If interest is not paid when due, it is added to the Loan Indebtedness. Adding unpaid interest to the Loan Indebtedness causes additional amounts to be redeemed from the Division(s) and/or Fixed Account and redemption proceeds transferred to the Loan Account. Redemptions are made in the same proportion as the allocation used for the most recent Monthly Policy Charge.

A policy loan generally has a permanent effect on Policy Values. If a policy loan had not been made, the Policy Value would reflect the investment experience of the Division(s) and the interest credited to the Fixed Account. In addition, Loan Indebtedness is subtracted from:

• death proceeds at the death of the Insured;

• Surrender Value upon full surrender or termination of a Policy; and

• maturity proceeds paid.

Loan indebtedness reduces your Net Policy Value. If the Net Policy Value is less than the Monthly Policy Charges on a Monthly Date, the 61-day grace period provision applies (see POLICY TERMINATION AND REINSTATEMENT — Policy Termination (Lapse)).

If the Policy lapses with any Loan Indebtedness, there may be negative tax consequences.

Loan Account

When a policy loan is taken, a Loan Account is established. The Loan Account is part of our General Account.

An amount equal to the loan is transferred from your Divisions and/or Fixed Account to your Loan Account. You may instruct us on the proportions to be taken from your Divisions or the Fixed Account. There are no restrictions on which Divisions or accounts that the loan amount can be transferred from.

Your Loan Account earns interest from the date of transfer. The Loan Account interest rate is 4.00% per year. Interest accrues daily and is paid at the end of the Policy Year.

Unscheduled Loans

Unscheduled loans are available in all Policy Years. You may instruct us on the proportions to be taken from your accounts. If you do not provide such instruction, the loan amount is withdrawn in the same proportion as the allocation used for the most recent Monthly Policy Charge.

Scheduled Loans

After the first Policy Year, scheduled policy loans are available on any Monthly Date if you have withdrawn, through partial surrenders, an amount equal to or exceeding total premiums paid. A scheduled loan is the equivalent of a scheduled withdrawal of earnings following the withdrawal of all premiums paid. Scheduled loans may occur on a monthly, quarterly, semiannual or annual basis (based on the Policy Year). The loan amount is withdrawn in the same proportion as the allocation used for the most recent Monthly Policy Charge.

Loan Payments

While the Policy is in force and before the Insured dies, you may pay the Loan Indebtedness as follows:

• policy loans may be repaid totally or in part;

• repayments are allocated to the Division(s) and/or the Fixed Account in the proportions used for allocation of premium payments;

• payments that we receive that are not designated as premium payments are applied as loan repayments if there is any Loan Indebtedness;

• the repayments are allocated as of the Valuation Period in which we receive the repayment; and

• repayments are to be sent to our Home Office.

POLICY TERMINATION AND REINSTATEMENT

Policy Termination (Lapse)

A Policy will go into default and is at risk of terminating if the Net Policy Value on any Monthly Date is less than the Monthly Policy Charge.

Before any Policy lapses, the Policy will enter a grace period, described below, during which you may pay the minimum required premium to keep your Policy in force. A Policy will terminate if you have not made the minimum required premium payment before the grace period expires.

The Policy also terminates:

• when you make a full Policy surrender;

• when death proceeds are paid; and

• when the maturity proceeds are paid.

When the Policy terminates, all privileges and rights of the Owner(s) and all optional insurance benefits will end. Subject to certain conditions, you may reinstate a policy that has terminated (see POLICY TERMINATION AND REINSTATEMENT — Reinstatement).

Grace Period

If a Policy goes into default and is at risk of terminating, we will send you notice of a 61-day grace period during which you can pay the minimum required premium to keep your Policy in force. This grace period begins on the date we mail the notice of impending policy termination to you. The notice will be sent to your last post office address known to us and will tell you the amount of the minimum required premium to keep the Policy in force, payment instructions; and the grace period end date.

Your Policy will remain in force during the grace period. If we do not receive the minimum required premium payment by the end of the grace period, your Policy will terminate without value.

No partial surrenders or policy loans may be made during a grace period.

Minimum Required Premium

The minimum required premium is intended to a) reimburse us for the Monthly Policy Charges during the grace period and b) provide enough Policy Value to pay the Monthly Policy Charge on the first Monthly Date after the grace period.

The minimum required premium payment is ((a) plus (b)) divided by (c) where:

(a) is any amount by which your Net Policy Value is less than zero at the start of the grace period after the Monthly Policy Charge is deducted;

(b) is three Monthly Policy Charges; and

(c) is 1 minus the maximum Premium Expense Charge. See CHARGES AND DEDUCTIONS — Premium Expense Charge (Sales Charge and Taxes)

If the grace period ends before we receive the minimum required premium, we keep any remaining value in the Policy to cover past due policy charges. Adverse market fluctuations may cause the Policy to enter into subsequent grace periods.

Death during Grace Period

If the Insured dies during a grace period, the death benefit is paid and the amount is reduced by:

• all Monthly Policy Charges due and unpaid at the death of the Insured; and

• any Loan Indebtedness.

NOTE: The state of Florida requires that the Net Policy Value of the Policy equal zero prior to entering a grace period. The grace period will end 31 days after the day the notice is mailed.

Reinstatement

Subject to certain conditions, you may reinstate a Policy that terminated as described in POLICY TERMINATION AND REINSTATEMENT - Policy Termination (Lapse). The Policy may be reinstated provided all of the following conditions are satisfied:

(a) such reinstatement is prior to the policy Maturity Date;

(b) You have not surrendered your Policy;

(d) You supply evidence which satisfies us that the Insured is alive and is insurable under our underwriting guidelines then in effect; and

(e) You make the minimum required premium payment.

The minimum required premium is intended to a) reimburse us for the Monthly Policy Charges during the grace period and b) provide enough Policy Value to pay Monthly Policy Charges for three Policy Months after reinstatement. The minimum required premium payment is [(1) plus (2)] divided by (3) where:

(1) is any amount by which your Net Policy Value is less than zero at the end of the grace period after the Monthly Policy Charge is deducted;

(2) is three Monthly Policy Charges; and

(3) is 1 minus the maximum Premium Expense Charge. See CHARGES AND DEDUCTIONS — Premium Expense Charge (Sales Charge and Taxes)

NOTE: The minimum required premium during a grace period and the minimum required premium to reinstate a policy are calculated differently. The minimum required premium for reinstatement is calculated in order to collect policy charges due and unpaid during the grace period in addition to providing enough Policy Value to pay three Monthly Policy Charges after reinstatement of the Policy. As a result, the minimum required premium for reinstatement is higher than the minimum required premium for grace period.

Reinstatement will be effective on the next Monthly Date following the date we approve the reinstatement application. Your rights and privileges as Owner(s) are restored upon reinstatement. The reinstated Policy will have the same Policy Date as the original Policy. The Death Benefit Guarantee rider will be as if the Policy had never ended. You will receive new data pages upon reinstatement.

If a policy loan or loan interest was unpaid when the Policy terminated, the policy loan must be reinstated or repaid (loan interest does not accrue over the period the Policy was terminated).We do not require payment of Monthly Policy Charges during the period the Policy was terminated.

Premiums received with your reinstatement application are held in our General Account without interest while we complete underwriting for the reinstatement. If the reinstatement is approved, premiums are allocated to your selected Division(s) and/or Fixed Account on the reinstatement date. We will use the premium allocation percentages in effect at the time of termination of the Policy unless you provide new allocation instructions.

If you reinstate your Policy, the surrender charge, if any, the Premium Expense Charge, and the monthly policy issue charge are calculated based on the number of years since the Policy was issued.

TAX ISSUES RELATED TO THE POLICY

The following description is a general summary of the tax rules pertaining to life insurance policies. This section relates primarily to federal income taxes rules, regulations and interpretations, which in our opinion are currently in effect but which are subject to change at any time. This summary is not comprehensive and is not intended as tax advice. While we reserve the right to change the Policy to assure it continues to qualify as life insurance for tax purposes, we cannot make any guarantee regarding the future tax treatment of any Policy.

NOTE: Due to the complexity of these rules and because they are affected by the facts and circumstances of each Policy, you should consult with legal and tax counsel and other competent advisors regarding these matters.

IRS Definition of Life Insurance

The Policy should qualify as a life insurance contract as long as it satisfies either the guideline premium/cash value corridor test or the cash value accumulation test as defined under Section 7702 of the Internal Revenue Code. One of these tests is chosen on the application. If a test is not chosen, the Policy will comply with the guideline premium/cash value corridor test. Once a test is chosen, it cannot be changed on the Policy.

The guideline premium/cash value corridor test places limitations on the amount of premium payments that may be made and on Policy Values that can accumulate relative to the death benefit. Guideline premium limits are determined when the Policy is issued and can vary by the death benefit option chosen. Guideline premium limits will likely change due to any Adjustment to the Policy.

If you make a premium payment that we determine exceeds the current guideline premium limits under Internal Revenue Code Section 7702, we reserve the right to apply or refund the payment as described under “Premium Limitations.”

The cash value accumulation test does not place limitations on the amount of premium payments but limits the amount of Policy Values that can accumulate relative to the death benefit.

To satisfy either test, the ratio of the death benefit to the Policy Value must be at least as great as the applicable percentage shown in Appendix D. As the Policy Value increases, the minimum death benefit may be required to increase. Because the cost of insurance you pay is based in part on the amount of the death benefit, an increase in the death benefit increases the cost of insurance.

As compared to the cash value accumulation test, the guideline premium/cash value corridor test generally has:

• smaller applicable percentages

• lower minimum death benefit

• lower cost of insurance charges

• better Policy Value growth.

The smaller applicable percentages lead to a lower minimum death benefit and thus lower cost of insurance charges. Lower charges result in better Policy Value growth.

This may not be the result in all cases. The specifics of each Policy determine which test is more suitable. Illustrations using each of the tests will help you determine which test meets your objectives. An illustration may be obtained from your registered representative or by calling 1-800-247-9988. The table below demonstrates the minimum death benefit based on the test chosen.

The example below is based on the following:

• The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

• Total Face amount is $100,000

• Death Benefit Option 1

• Policy value at the date of death is $25,000

• The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Policy Value)

• The minimum death benefit under the cash value accumulation test is $71,477 (assuming an applicable percentage of 285.909%)


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum Death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,753.98
Cash Value Accumulation Test	$100,000	$71,477	$74,753.98

Here’s the same example, but with a Policy Value of $75,000. Because the Policy Value has increased, the minimum death benefit is now:

• $138,750 for the guideline premium/cash value corridor test

• $214,432 for the cash value accumulation test.


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum Death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$63,408.65
Cash Value Accumulation Test	$100,000	$214,432	$138,904.20

Keep in mind that cost of insurance charges, which affect your Policy’s value, increase with the amount of the death benefit, as well as over time. The cost of insurance is charged at a rate per $1,000 of Net Amount at Risk. As the Net Amount at Risk increases, the cost of insurance increases. Policy value also varies depending on the performance of the investment options in your Policy.

All transactions will be subject to the limits as defined under Section 7702 of the Internal Revenue Code. A transaction may not be allowed, or an increase in Total Face Amount may be required, if the transaction would cause a refund of premium and/or distribution of the Policy Value in order to maintain compliance with the Section 7702 limits.

Taxation of Death Proceeds

Under Section 101(a)(1) of the Internal Revenue Code, gross income does not include amounts received under a Policy if such amounts are paid by reason of the death of the Insured. However, if the Policy is transferred for valuable consideration, then a portion of the death proceeds may be includable in the beneficiary’s gross income under Section 101(a)(2) of the Internal Revenue Code.

Under Section 101(g) of the Internal Revenue Code, certain amounts received under a Policy on the life of an Insured who qualifies as a terminally or chronically ill individual can be excluded from gross income as an amount paid by reason of the death of the Insured.

For employer-owned life insurance on the life of an Insured who is an employee, the death benefit amount excluded from gross income is limited to the premiums and other consideration paid for the life insurance if the employer is directly or indirectly a beneficiary under the Policy unless certain requirements are met. These requirements are provided in Section 101(j) of the Internal Revenue Code and would include notice and consent by the Insured of the life insurance coverage prior to the issuance of the coverage. These rules generally apply to employer-owned life insurance issued or materially changed on or after August 17, 2006.

Taxation of Maturity Proceeds

A taxable event may occur if the Net Surrender Value at maturity plus any Loan Indebtedness is greater than premiums paid less partial surrenders and premium refunds. The taxable amount is the difference between the Surrender Value and the remaining premiums in the policy.

Taxation of Growth in Policy Value

Any increase in Policy Value is not included in gross income while the Policy is in-force and continues to meet the definition of life insurance as defined under Section 7702 of the Internal Revenue Code. If a contract does not meet the definition of life insurance, the policy Owner will be subject to income tax on annual increases in cash value.

Taxation of Policy Surrenders and Partial Surrenders (including Preferred Partial Surrenders)

A surrender or lapse of the Policy may have income tax consequences. Upon surrender, the Owner(s) is not taxed on the Surrender Value except for the amount, if any, that exceeds the gross premiums paid less the untaxed portion of any prior surrenders. The amount of any Loan Indebtedness, upon surrender or lapse, is added to the Net Surrender Value and treated, for this purpose, as if it had been received. A loss incurred upon surrender is generally not deductible. The tax consequences of a surrender may differ if the proceeds are received under any benefit payment option.

A full surrender of the Policy will, and a partial surrender may, be included in your gross income to the extent that the distribution exceeds your premiums paid into the Policy. Partial surrenders generally are not taxable unless the total of such surrenders exceeds total premiums paid to the date of partial surrender less the untaxed portion of any prior partial surrenders. If within the first fifteen Policy Years, you make a partial surrender with a corresponding reduction in the Total Face Amount, special rules apply. Under those circumstances, the Internal Revenue Code has defined a special formula under which you may be taxed on all or a portion of the surrender amount.

Transfers between the Division(s) and/or Fixed Account are not considered as distributions from the Policy and would not be considered taxable income.

Taxation of Policy Loans and Loan Interest

If the Policy is not a modified endowment contract, loans received under the Policy are not generally considered to be distributions subject to tax. Interest paid to us as a result of a policy loan may or may not be deductible depending on a number of factors.

If the Policy is a modified endowment contract, loans received under the Policy are considered to be distributions subject to tax. The taxable amount is generally the difference between the Policy Value and the Net Premiums paid at the time the loan is made.

If the Policy lapses with an outstanding loan balance, there may be tax consequences.

Taxation of Change of Owner

Transfer of ownership may have tax consequences to the Owner. The sale of a life insurance policy may have different income tax consequences than the cash surrender of such policy. The purchaser of a policy via a reportable policy sale is required to provide certain information to the issuer, seller/payment recipient and Internal Revenue Service (IRS) under Section 6050Y of the Internal Revenue Code. Please consult with your tax advisor before changing ownership of your life insurance policy.

Taxation of Change of Insured

For tax purposes, changing the Insured is considered to be the same as a surrender of the policy. The taxable amount is generally the difference between the Policy Value and the Net Premiums paid.

Modified Endowment Contract Status

A Policy becomes a Modified Endowment Contract when premiums paid exceed certain premium limits as defined by Section 7702A of the Internal Revenue Code. There is no change regarding the tax-deferred internal build-up of Policy Value or the income tax-free death benefit to your beneficiary(ies), however, distributions from a Modified Endowment Contract are taxed as if the Policy is a deferred annuity. Thus, taxation on partial surrenders, policy loans and other defined distributions will occur if your Policy Value is greater than your premiums paid. In addition, taxable distributions are subject to a federal income tax penalty of 10% unless the distribution is

• made after the Owner attains age 59½; or

• attributable to the taxpayer becoming disabled (as defined in Section 72(m)(7)); or

• part of a series of substantially equal periodic payments (made not less frequently than annually) made for the life or life expectancy of the taxpayer or the joint lives or joint life expectancy of the taxpayer and beneficiary.

Once a Policy is classified as a Modified Endowment Contract, the classification cannot be changed. Modified endowment contract classification may be avoided by limiting the amount of premiums paid under the Policy. If you make a premium payment that we determine would cause your policy to be classified as a Modified Endowment

Contract under Internal Revenue Code Section 7702A, we reserve the right to apply or refund the payment as described under “Premium Limitations.”

Taxation of Exchange or Assignment of Policies

An exchange or assignment of a Policy may have tax consequences. Please consult with your tax advisor before exchanging or assigning your life insurance policy.

Special Considerations for Life Insurance Owned by a Business Entity

Section 264 of the Internal Revenue Code imposes numerous limitations on the interest and other business deductions that may otherwise be available to businesses that own life insurance policies. In addition, the premium paid by a business for a life insurance policy is not deductible as a business expense or otherwise if the business is directly or indirectly a beneficiary of the policy.

Other Tax Issues

Federal estate taxes and state and local estate, inheritance and other taxes may become due depending on applicable law and your circumstances or the circumstances of the Policy beneficiary(ies) if you or the Insured dies.

Withholding

Federal withholding is generally required on certain taxable distributions under insurance contracts. In the case of periodic payments, the withholding is at graduated wage withholding rates. With respect to non-periodic distributions, withholding is a flat rate of 10%. You may elect to have either non-periodic or periodic payments made without withholding except if your tax identification number has not been furnished to us or if the IRS has notified us that the number you furnished is incorrect. Non-resident aliens are subject to 30% withholding (or a lower treaty rate) on taxable distributions.

Under the Foreign Account Tax Compliance Act (FATCA), We will be required to withhold a 30% tax on taxable distributions to certain foreign entities that fail to comply with new reporting and withholding requirements designed to inform the U.S. Department of the Treasury. We may disclose the information we receive from policy Owners to the IRS, non-U.S. taxing authorities or other parties as necessary to comply with FATCA. Withholding also may be required if a policy Owner that is a foreign entity fails to provide Us with appropriate certifications or other documentation concerning its status under FATCA.

Mutual Fund Diversification

The U.S. Department of the Treasury has adopted regulations under Section 817(h) of the Internal Revenue Code which establishes standards of diversification for the investments underlying the contracts. Under this Internal Revenue Code Section, Separate Account investments must be adequately diversified in order for the increase in the value of contracts to receive tax-deferred treatment. In order to be adequately diversified, the portfolio of each underlying mutual fund must, as of the end of each calendar quarter or within 30 days thereafter, have no more than 55% of its assets invested in any one investment, 70% in any two investments, 80% in any three investments and 90% in any four investments. Variable life insurance Separate Accounts are provided a special diversification exemption when investing in U.S. Treasury securities.

Failure of an underlying mutual fund to meet the diversification requirements could result in tax liability to contract holders. The investment opportunities of the underlying mutual funds could conceivably be limited by adhering to the above diversification requirements.

GENERAL PROVISIONS

Purchase Procedures

A completed application and required supplements must be submitted to us through an agent or broker selling the Policy.

The minimum Total Face Amount when the Policy is originally issued is $100,000. We reserve the right to increase or decrease the minimum Total Face Amount. The increased minimum Total Face Amount would apply only to Policies issued after the Effective Date of the increase.

To issue a Policy, we require that the age of the Insured be 75 or younger as of the Policy Date. Other underwriting restrictions may apply. An applicant for the Policy must:

• furnish satisfactory evidence of insurability of the Insured; and

• meet our insurance underwriting guidelines and suitability rules.

If you want insurance coverage to start at the time the application is submitted, a payment must be sent with the completed application. The amount is based on the face amount of the Policy, the death benefit option and the charges and expenses of the Policy. This amount is shown on the policy illustration provided to you by your registered representative. If this amount is submitted with the application, a conditional receipt will be given to you. The receipt acknowledges the initial payment and details any interim conditional insurance coverage.

We reserve the right to reject any application or related premium if we determine that we have not received complete information and/or instructions or that our underwriting guidelines, suitability rules or procedures have not been met. Any premium submitted will be returned to the designated Owner on the application no later than five Business Days from the date the application was rejected.

Important Information about Customer Identification Procedures

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to verify your identity. We may also ask to see your driver’s license or other identifying documents.

If concerns arise with verification of your identification, no transactions, other than redemptions, will be permitted while we attempt to reconcile the concerns. If we are unable to verify your identity within 30 days of our receipt of your original purchase, the account(s) will be closed and redeemed in accordance with normal redemption procedures.

We do not knowingly sell policies that are for the benefit of a business/organization that is illegal under Federal and/or State law (such as a marijuana clinic), or a person who owns or receives income from such an entity or whose source of funds is illegal.

Policy Date

Your Policy Date is shown on the Data Pages.

Effective Date

The Policy date and the Effective Date are the same unless a backdated Policy Date is requested. Insurance coverage is effective, provided all purchase requirements for the Policy have been satisfied.

If the proposed Insured dies before the Effective Date, there is no coverage under the Policy (coverage is determined solely under the terms of the conditional receipt, if any).

Special Purchase Plans

Where permitted by state law, Policies may be purchased under group or sponsored arrangements as well as on an individual basis. A group arrangement is a program under which a trustee, employer, or similar entity purchases Policies covering a group of individuals on a group or individual basis. A sponsored arrangement is a program under which an employer permits group solicitation of its employees or an association permits group solicitation of its members for the purchase of Policies on an individual basis.

Charges and deductions may be reduced for Policies purchased under a group or sponsored arrangement including waiver of premium sales load and waiver of surrender charge. Reductions may be available to:

• employees, officers, directors, agents, and immediate family members of the group or sponsored arrangement; and

• employees or agents of the Company and its subsidiaries.

Reductions are made under our rules in effect on the date a Policy application is approved and are based on certain criteria (size of group, expected number of participants, anticipated premium payments, total assets under management for the group or sponsored arrangement).

Generally, the sales contacts and effort, administrative costs and mortality cost per Policy vary based on the size of the arrangement, the purpose for which the Policies are purchased, and certain characteristics of the members. The amount of the reduction and the criteria for reducing the charges and deductions reflect: a) our reduced sales effort and administrative costs; and b) the different mortality experience expected from sales to group or sponsored arrangements.

We may modify, on a uniform basis, both the amounts of reductions and the criteria for qualification. Reductions in these charges will not discriminate unfairly against any person, including the affected Owners and all other Policy Owners with policies funded with the Separate Account.

Statement of Values

You receive an annual statement at the end of each Policy Year. The statement will show:

•beginning and end dates of the current statement period;

•the death benefit at the end of the statement period;

•the Policy Value at the beginning and end of the statement period;

•the Surrender Value, if any, at the end of the statement period;

•all premiums paid during the statement period;

•all charges deducted during the statement period;

•any Loan Indebtedness at the end of the statement period;

•any partial surrenders made during the statement period;

•any investment gain or loss during the statement period;

•total value of each of your Divisions and the Fixed Account as of the statement period;

•if applicable, a notice that the policy may terminate without value before the end of the next statement period

•unless additional premiums are paid (assuming guaranteed interest, mortality and expense loads, and premium charges); and

•any other information required to be included in the statement under state or federal law.

You will also receive a statement as of the end of each calendar quarter. At any time, you may request a free current statement by telephoning 1-800-247-9988. We also send you the reports required by the Investment Company Act of 1940 (as amended).

Services Available via the Telephone

If you elect to use telephone privileges, instructions for the following transactions may be given to us via the telephone:

• change in allocations of future premium payments;

• change in allocation of the Monthly Policy Charge;

• change to your APR instructions;

• change to your scheduled transfer instructions;

• unscheduled transfers; and

• request for a policy loan (of $100,000 or less).

Instructions:

• may be given by calling us at 1-800-247-9988 between 8 a.m. and 5 p.m. Eastern Time on any day that the NYSE is open;

• must be received by us before the close of the NYSE (generally 4:00 p.m. Eastern Time) to be effective the day they are given;

• are effective the next Business Day if not received until after the close of the NYSE.

Although neither the Separate Account nor the Company is responsible for the authenticity of telephone transaction instructions, the Separate Account and the Company reserve the right to refuse telephone instructions. You are liable for a loss resulting from a fraudulent telephone or internet order that we reasonably believe is genuine. We use reasonable procedures to assure instructions are genuine. If the procedures are not followed, we may be liable for loss due to unauthorized or fraudulent transactions. The procedures for telephone instructions include: recording all

telephone instructions, requesting personal identification information (name, phone number, social security number, birth date, etc.) and sending written confirmation to the Owner’s address of record.

Misstatement of Age or Gender

If the age or, where applicable, gender of the Insured has been misstated, we adjust the death benefit payable under your Policy to reflect the amount that would have been payable at the correct age and gender.

Non-Participating Policy

The Policies do not share in any divisible surplus of the Company.

Incontestability

We will not contest the insurance coverage provided by the Policy, except for any increases in Total Face Amount, after the Policy has been in force during the lifetime of the Insured for a period of two years from the Policy Date. Any Total Face Amount increase has its own two-year contestability period that begins on the Effective Date of the Adjustment. In many states, the time limit in the incontestability period does not apply to fraudulent misrepresentations.

Independent Registered Public Accounting Firm

The financial statements of the Principal Life Insurance Company Variable Life Separate Account and the consolidated financial statements of the Principal Life Insurance Company are incorporated in the Statement of Additional Information. Those statements and related schedules have been audited by Ernst & Young LLP, independent registered public accounting firm, 801 Grand Avenue, Suite 3100, Des Moines, Iowa 50309, for the periods indicated in their reports.

LEGAL PROCEEDINGS

There are no legal proceedings pending which are likely to have a material adverse affect on the Separate Account, the ability of the principal underwriter to perform its contract with the Separate Account, or the ability of the Company to meet its obligations under the Policies.

FINANCIAL STATEMENTS

Financial Statements for the Company and for the Separate Account are incorporated in the Statement of Additional Information.

APPENDIX

UNDERLYING FUNDS AVAILABLE UNDER THE POLICY

The following is a list of Underlying Funds currently available under the Policy, which is subject to change. Before you invest, you should review the prospectuses for the Underlying Funds, as may be amended from time to time. These prospectuses contain more information about the Underlying Funds and their risks. You can find the prospectuses and other information about the Underlying Funds online at www.principal.com/BenefitVUL2Report. You can also request this information at no cost by calling 1-800-247-9988 or by sending an email request to Lifeinsurance@principal.com.

The current expenses and performance information below reflects fees and expenses of the Underlying Funds, but does not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.

Some of the Underlying Funds are “funds of funds.” A fund of funds is a mutual fund that invests primarily in a portfolio of other mutual funds. Operating expenses shown for a fund of funds include the fees and expenses that such fund incurs indirectly as a result of investing in other funds. More detail about the risks of investing in a fund of funds is available in such fund’s prospectus.

The availability of investment options may vary depending in your financial professional or your financial professional's firm. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.


Type	Fund Name	Adviser/ Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
				1 Year	5 Year	10 Year
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Discovery Value Portfolio Class A	Alliance Bernstein L.P.	0.82%	2.89%	8.75%	8.55%
International Equity	AB Variable Products Series Fund, Inc. International Value Portfolio Class A 1	Alliance Bernstein L.P.	0.90%	41.70%	10.47%	6.64%
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Small Cap Growth Portfolio Class A 1,2	Alliance Bernstein L.P.	0.90%	4.80%	-0.44%	11.26%
International Equity	AB Variable Products Series Fund, Inc. Sustainable Global Thematic Portfolio Class A 1	Alliance Bernstein L.P.	0.94%	6.32%	3.28%	10.08%


Asset Allocation	American Funds Insurance Series® American Funds ® Global Balanced Fund Class 2 1	Capital Research and Management Company	0.76%	17.14%	6.11%	7.69%
Fixed Income	American Funds Insurance Series® Capital World Bond Fund ® Class 2	Capital Research and Management Company	0.73%	9.39%	-2.50%	1.23%
International Equity	American Funds Insurance Series® SMALLCAP World Fund Class 2 1,12	Capital Research and Management Company	0.90%	14.64%	0.49%	7.23%
Large U.S. Equity	American Funds Insurance Series® Growth Fund Class 2	Capital Research and Management Company	0.58%	20.24%	13.37%	17.97%
International Equity	American Funds Insurance Series® EUPAC Fund 13 Class 2 1	Capital Research and Management Company	0.72%	26.77%	3.40%	7.00%
International Equity	American Funds Insurance Series® New World Fund ® Class 2 1	Capital Research and Management Company	0.82%	28.29%	5.33%	9.25%
Large U.S. Equity	American Funds Insurance Series® Washington Mutual Investors Fund Class 2 1	Capital Research and Management Company	0.50%	17.21%	13.89%	12.36%
Small/Mid U.S. Equity	BNY Mellon Investment Portfolios MidCap Stock Portfolio Service Shares 1	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.05%	9.81%	9.39%	8.51%


Other - Technology	BNY Mellon Investment Portfolios Technology Growth Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.07%	27.87%	8.96%	16.97%
Large U.S. Equity	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%
Large U.S. Equity	BNY Mellon Variable Investment Fund Appreciation Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Fayez Sarofim & Co., LLC	1.1%	9.78%	9.08%	12.63%
International Equity	Calvert Variable Trust, Inc. CVT EAFE International Index Portfolio Class F 1	Calvert Research and Management	0.68%	30.64%	8.31%	7.63%
Fixed Income	Calvert Variable Trust, Inc. CVT Investment Grade Bond Index Portfolio Class I 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.32%	6.90%	-0.44%	1.87%
Small/Mid U.S. Equity	Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio Class F 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.60%	12.23%	5.62%	9.08%
International Equity	Columbia Funds Variable Insurance Trust Acorn International Fund 1,5	Columbia Wanger Asset Management, LLC	1.09%	12.56%	-1.00%	4.31%


Other - Multinarrative	Deutsche DWS Variable Series II DWS Alternative Asset Allocation VIP Class B	DWS Investment Management Americas, Inc./ RREEF American L.L.C.	1.31%	10.03%	4.88%	4.52%
Small/Mid U.S. Equity	Deutsche DWS Variable Series II DWS Small Mid Cap Value VIP Class B	DWS Investment Management Americas, Inc.	1.17%	17.85%	9.27%	7.18%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust I Fidelity® VIP Equity-Income Portfolio SM Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.71%	18.75%	12.23%	11.32%


Fixed Income	Fidelity® Variable Insurance Products Trust I Service Class 2 Fidelity® VIP High Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.96%	10.36%	4.22%	5.59%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Contrafund SM Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.79%	21.24%	15.08%	15.49%


Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Extended Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.37%	12.03%	7.75%
International Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP International Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.41%	32.82%	7.76%	6.79%
Asset Allocation	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Total Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.36%	16.86%	12.86%
Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust III Fidelity® VIP Mid Cap Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%


Other - Consumer Defensive	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Consumer Staples Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.86%	6.54%
Other - Equity Energy	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Energy Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%


Money Market	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Government Money Market Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.50%	3.86%	2.90%	1.83%
Fixed Income	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Strategic Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.88%	8.58%	2.79%	4.40%
Balanced/Asset Allocation	Franklin Templeton Variable Insurance Product Trust Franklin Income VIP Fund Class 2	Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%


International Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Global Discovery VIP Fund Class 2	Franklin Mutual Advisers, LLC	1.16%	23.34%	12.00%	8.52%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Shares VIP Fund Class 2	Franklin Mutual Advisers, LLC	0.94%	11.52%	9.20%	7.53%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Rising Dividends VIP Fund Class 2	Franklin Advisers, Inc.	0.89%	11.80%	9.50%	12.10%
Small/Mid U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Small Cap Value VIP Fund Class 2 1	Franklin Mutual Advisers, LLC	0.91%	7.65%	8.86%	9.81%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin Strategic Income VIP Fund Class 2 1	Franklin Advisers, Inc.	1.07%	7.24%	1.92%	3.10%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin U.S. Government Securities VIP Fund Class 2	Franklin Advisers, Inc.	0.79%	6.69%	0.02%	1.14%
International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Developing Markets VIP Fund Class 2	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.37%	46.27%	5.46%	10.40%
International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Foreign VIP Fund Class 2 1	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.08%	29.19%	8.25%	5.75%


Fixed Income	Franklin Templeton Variable Insurance Product Trust Templeton Global Bond VIP Fund Class 2 1	Templeton Asset Management, Ltd.	0.75%	15.73%	-0.96%	-0.15%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Franchise Fund Series II	Invesco Advisers, Inc.	1.1%	11.39%	10.08%	14.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Value Fund Series I	Invesco Advisers, Inc.	0.89%	21.00%	17.85%	12.29%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Core Equity Fund Series II	Invesco Advisers, Inc.	1.05%	15.88%	12.52%	11.46%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Discovery Mid Cap Growth Fund Series I	Invesco Advisers, Inc.	0.86%	4.79%	3.92%	11.38%
International Equity	Invesco Variable Insurance Funds Invesco V.I. EQV International Equity Fund Series I	Invesco Advisers, Inc.	0.90%	16.50%	3.68%	6.22%
Other - Global Real Estate	Invesco Variable Insurance Funds Invesco V.I. Global Real Estate Fund Series I	Invesco Advisers, Inc.	1.02%	7.85%	1.73%	2.44%
Other - Health	Invesco Variable Insurance Funds Invesco V.I. Health Care Fund Series I	Invesco Advisers, Inc.	0.99%	15.33%	3.80%	6.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Mid Cap Fund Series II	Invesco Advisers, Inc.	1.19%	8.96%	8.83%	9.08%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Small Cap Fund® Series II	Invesco Advisers, Inc.	1.09%	8.44%	8.07%	10.31%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Small Cap Equity Fund Series I	Invesco Advisers, Inc.	0.96%	8.05%	7.32%	9.55%
International Equity	Janus Aspen Series Trust Janus Henderson Global Sustainable Equity Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.99%	17.26%


Balanced/Asset Allocation	Janus Aspen Series Trust Janus Henderson Balanced Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	14.82%	8.21%	9.86%
Small/Mid U.S. Equity	Janus Aspen Series Trust Janus Henderson Enterprise Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	7.41%	7.35%	12.51%
Fixed Income	Janus Aspen Series Trust Janus Henderson Flexible Bond Portfolio Service Shares1	Janus Henderson Investors US LLC	0.82%	7.22%	-0.47%	2.07%
Large U.S. Equity	Janus Aspen Series Trust Janus Henderson Forty Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	17.86%	11.37%	15.96%
International Equity	Janus Aspen Series Trust Janus Henderson Global Research Portfolio Service Shares	Janus Henderson Investors US LLC	1.07%	20.60%	12.23%	12.64%
Other - Technology	Janus Aspen Series Trust Janus Henderson Global Technology and Innovation Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	24.84%	13.44%	21.18%
Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Mid Cap Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.82%	4.35%	4.50%	7.50%
Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Small Cap Growth Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.81%	9.23%	-0.20%	9.38%


Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.62%	6.56%	5.02%	11.31%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP Avantis Large Cap Value Fund Service Class 9	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.96%	14.56%	8.51%	10.12%
Inflation - Protected Bond	Lincoln Variable Insurance Products Trust LVIP American Century Inflation Protection Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.72%	6.33%	0.62%	2.61%
International Equity	Lincoln Variable Insurance Products Trust LVIP American Century International Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.95%	15.81%	1.71%	6.27%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	1.01%	8.83%	8.72%	8.96%


Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.86%	15.85%	11.47%	10.07%
Small/Mid U.S. Equity	Lord Abbett Series Fund, Inc. Developing Growth Portfolio Class VC 1	Lord Abbett	1.27%	14.59%	-1.17%	11.03%
International Equity	MFS® Variable Insurance Trust MFS® Global Equity Series Service Class 1	Massachusetts Financial Services Company	1.18%	13.28%	5.45%	8.64%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Growth Series Service Class 1	Massachusetts Financial Services Company	0.98%	11.90%	10.82%	15.31%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust MFS® New Discovery Series Service Class 1	Massachusetts Financial Services Company	1.12%	12.56%	-0.54%	10.46%
Balanced/Asset Allocation	MFS® Variable Insurance Trust MFS® Total Return Series Service Class 1	Massachusetts Financial Services Company	0.86%	10.91%	6.16%	7.36%
Other - Utilities	MFS® Variable Insurance Trust MFS® Utilities Series Service Class 1	Massachusetts Financial Services Company	1.03%	14.76%	7.38%	9.22%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Value Series Service Class 1	Massachusetts Financial Services Company	0.94%	12.77%	9.69%	9.77%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Blended Research Small Cap Equity Portfolio Service Class 1	Massachusetts Financial Services Company	0.83%	5.49%	6.62%	8.82%


International Equity	MFS® Variable Insurance Trust II MFS® International Intrinsic Equity Portfolio Service Class 1,8	Massachusetts Financial Services Company	1.14%	32.96%	7.02%	9.68%
International Equity	MFS® Variable Insurance Trust II MFS® Research International Portfolio Service Class 1	Massachusetts Financial Services Company	1.15%	21.75%	5.25%	7.27%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® New Discovery Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.13%	2.88%	8.22%	10.30%
Fixed Income	MFS® Variable Insurance Trust III MFS® Inflation-Adjusted Bond Portfolio Service Class 1	Massachusetts Financial Services Company	0.85%	8.17%	-3.35%	0.84%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Mid Cap Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.04%	5.75%	9.90%	9.69%
Small/Mid U.S. Equity	Neuberger Berman Advisers Management Trust Mid Cap Growth Portfolio Class S 1	Neuberger Berman Investment Advisers, LLC	1.11%	5.23%	4.27%	10.71%
Large U.S. Equity	Neuberger Berman Advisers Management Trust Quality Equity Portfolio Class I 6	Neuberger Berman Investment Advisers, LLC	0.87%	13.74%	12.83%	12.94%
Small/Mid U.S. Equity	Nomura Funds Nomura VIP Small Cap Value Series Fund Service Class 7,1	Delaware Management Company, a series of Nomura Investment Management Business Trust	7.83%	8.93%	8.93%	8.84%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Balanced ETF Portfolio Class 2	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.76%	9.03%	3.83%	4.92%


Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderately Aggressive ETF Portfolio Class 2 10	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	11.65%	5.36%	6.13%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderate ETF Portfolio Class 2 11	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	10.36%	4.74%	5.72%
Balanced/Asset Allocation	PIMCO Variable Insurance Trust PIMCO All Asset Portfolio Administrative Class 1	Pacific Investment Management Company, LLC	2.13%	14.20%	5.60%	6.77%
Other - Commodities	PIMCO Variable Insurance Trust PIMCO CommodityRealReturn®Strategy Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.86%	18.79%	10.55%	6.54%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Emerging Markets Bond Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.17%	14.98%	2.44%	5.06%
Fixed Income	PIMCO Variable Insurance Trust PIMCO High Yield Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.81%	8.95%	3.97%	5.57%
Global Bond - USD Hedged	PIMCO Variable Insurance Trust PIMCO International Bond Portfolio (U.S. Dollar-Hedged) Administrative Class 4	Pacific Investment Management Company, LLC	1.09%	3.95%	1.03%	2.88%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Long-Term U.S. Government Portfolio Administrative Class	Pacific Investment Management Company, LLC	2.48%	6.15%	-6.82%	0.01%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Low Duration Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.66%	5.52%	1.57%	1.79%


Fixed Income	PIMCO Variable Insurance Trust PIMCO Real Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.39%	7.85%	1.21%	3.21%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Short-Term Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.65%	4.67%	3.25%	2.76%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Total Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.73%	8.89%	0.02%	2.36%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Bond Market Index Account Class 1	Principal Global Investors, LLC	0.15%	7.16%	-0.52%	1.80%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Core Plus Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.46%	-0.48%	2.36%
International Equity	Principal Variable Contract Funds, Inc. PVC – Diversified International Account Class 1	Principal Global Investors, LLC	0.86%	32.36%	7.40%	8.08%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Equity Income Account Class 1	Principal Global Investors, LLC	0.48%	15.50%	10.21%	11.51%
International Equity	Principal Variable Contract Funds, Inc. PVC – Global Emerging Markets Account Class 1	Principal Global Investors, LLC	1.12%	32.27%	5.06%	8.12%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Government & High-Quality Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.91%	-0.23%	1.26%


Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap Growth Account I Class 1 1	Principal Global Investors, LLC/Brown Advisory, LLC Los Angeles Capital Management, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.	0.67%	11.39%	9.44%	15.00%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap S&P 500 Index Account Class 1	Principal Global Investors, LLC	0.20%	17.62%	14.14%	14.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – MidCap Account Class 1	Principal Global Investors, LLC	0.53%	1.78%	8.33%	12.58%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Principal Capital Appreciation Account Class 1	Principal Global Investors, LLC	0.63%	13.52%	13.82%	14.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2020 Account Class 1	Principal Global Investors, LLC	0.47%	11.33%	4.65%	6.77%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2030 Account Class 1	Principal Global Investors, LLC	0.50%	13.21%	5.91%	8.07%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2040 Account Class 1	Principal Global Investors, LLC	0.54%	15.57%	7.56%	9.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2050 Account Class 1	Principal Global Investors, LLC	0.58%	17.50%	8.77%	10.22%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2060 Account Class 1	Principal Global Investors, LLC	0.61%	17.68%	8.97%	10.35%


Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime Strategic Income Account Class 1	Principal Global Investors, LLC	0.48%	10.45%	3.48%	4.98%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Real Estate Securities Account Class 1	Principal Global Investors, LLC/ Principal Real Estate Investors, LLC	0.78%	1.24%	4.88%	5.94%
Short - Term Fixed Income	Principal Variable Contract Funds, Inc. PVC – Short-Term Income Account Class 1	Principal Global Investors, LLC/ Brown Advisory, LLC	0.42%	5.48%	2.33%	2.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – SmallCap Account Class 1	Principal Global Investors, LLC	0.84%	15.10%	6.29%	9.57%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio Class 1	Principal Global Investors, LLC	0.68%	14.00%	7.27%	8.29%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio Class 1	Principal Global Investors, LLC	0.67%	11.69%	5.04%	6.39%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio Class 1	Principal Global Investors, LLC	0.72%	15.56%	9.00%	9.94%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio Class 1	Principal Global Investors, LLC	0.64%	9.96%	3.57%	5.12%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC - Strategic Asset Management (SAM) – Strategic Growth Portfolio Class 1	Principal Global Investors, LLC	0.75%	16.86%	10.16%	10.96%


International Equity	Putnam Variable Trust Putnam VT International Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.06%	37.68%	9.28%	8.12%
Large U.S. Equity	Putnam Variable Trust Putnam VT Large Cap Growth Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	0.88%	14.34%	13.44%	17.66%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Growth Fund Class IB 1	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.12%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.02%	5.27%	10.99%	9.13%
Other - Natural Resources	Rydex Variable Trust Basic Materials Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.78%	32.89%	9.42%	11.58%
Other - Utilities	Rydex Variable Trust Utilities Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.79%	17.07%	8.56%	8.60%
Other - Health	T. Rowe Price Equity Series, Inc. Health Sciences Portfolio II Class	T. Rowe Price	1.11%	17.80%	3.86%	8.70%


Other - Natural Resources	VanEck Variable Insurance Products Trust VanEck VIP Global Resources Fund Initial Class	VanEck Associates Corporation	1.08%	36.48%	10.51%	8.33%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Balanced Portfolio	Wellington Management Company, LLP	0.20%	16.46%	9.29%	10.03%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Conservative Allocation Portfolio 3	The Vanguard Group, Inc.	0.12%	12.73%	4.22%	6.14%
Large U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Equity Income Portfolio 3	Wellington Management Company, LLP	0.29%	16.80%	12.59%	11.52%
Fixed Income	Vanguard Variable Insurance Funds Vanguard VIF Global Bond Index Portfolio	The Vanguard Group, Inc.	0.13%	2.69	-0.41%	N/A
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF International Portfolio	Baillie Gifford Overseas, Ltd. Schroder Investment Management North America, Inc./ Schroder Investment Management North America, Ltd.	0.32%	19.97%	0.62%	10.48%
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Mid-Cap Index Portfolio	The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Real Estate Index Portfolio	The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%

1. The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver arrangement that is in place. This arrangement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions. Please refer to the Fund's prospectus for more information.

2. This Fund is closed to new investors with an application signature date of February 1, 2013, and after.

3. This Fund became available for investment on June 5, 2023.

4. This Fund became available for investment on May 31, 2025.

5. Prior to June 2, 2025, the name of this fund was the Wanger Acorn International Fund.

6. Prior to July 28, 2025, the name of this fund was the AMT Sustainable Equity Portfolio.

7. Prior to December 1, 2025, the name of this fund was the Macquarie VIP Small Cap Value Series.

8. Prior to April 30, 2026, the name of this fund was the MFS ® International Intrinsic Value Portfolio.

9.Prior to May 1, 2026, the name of this fund was the LVIP American Century Disciplined Core Value Fund.

10.Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Growth ETF Portfolio.

11. Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Moderate Growth ETF Portfolio.

12. Prior to May, 1 2026, the name of this fund was the American Funds Insurance Series Global Small Capitalization fund.

13. Prior to May 1, 2026, the name of this fund was the American Funds Insurance Series International Fund.

APPENDIX A - SURRENDER CHARGE RATE TABLE

SURRENDER CHARGE RATE TABLE - ALL STATES EXCEPT NEW YORK


Issue Age	Male	Female	Unisex
0	2.63	2.12	2.56
1	2.63	2.12	2.56
2	2.63	2.12	2.56
3	2.63	2.12	2.56
4	2.63	2.12	2.56
5	2.63	2.12	2.56
6	2.63	2.12	2.56
7	2.63	2.12	2.56
8	2.63	2.12	2.56
9	2.63	2.12	2.56
10	2.63	2.12	2.56
11	2.74	2.18	2.66
12	2.85	2.25	2.78
13	2.96	2.31	2.88
14	3.08	2.38	2.99
15	3.19	2.44	3.09
16	3.47	2.72	3.37
17	3.74	3.00	3.65
18	4.02	3.29	3.92
19	4.30	3.56	4.20
20	4.58	3.85	4.48
21	4.58	3.87	4.49
22	4.59	3.90	4.50
23	4.60	3.92	4.51
24	4.61	3.95	4.52
25	4.61	3.98	4.53
26	4.72	4.07	4.64
27	4.82	4.16	4.73
28	4.93	4.24	4.84
29	5.03	4.33	4.94
30	5.14	4.42	5.05
31	5.38	4.62	5.28
32	5.63	4.83	5.53
33	5.90	5.06	5.79
34	6.20	5.30	6.08
35	6.50	5.55	6.38
36	6.83	5.82	6.70
37	7.16	6.10	7.03
38	7.52	6.40	7.38
39	7.91	6.71	7.75
40	8.32	7.04	8.15
41	8.75	7.37	8.57
42	9.20	7.74	9.01
43	9.68	8.12	9.48
44	10.19	8.52	9.98
45	10.73	8.95	10.50
46	11.31	9.40	11.06
47	11.93	9.87	11.66
48	12.58	10.37	12.29
49	13.28	10.91	12.97
50	14.01	11.48	13.68


Issue Age	Male	Female	Unisex
51	14.81	12.08	14.45
52	15.65	12.71	15.26
53	16.54	13.39	16.13
54	17.49	14.10	17.05
55	18.50	14.87	18.03
56	19.58	15.68	19.07
57	20.74	16.54	20.19
58	21.98	17.47	21.39
59	23.29	18.47	22.66
60	24.70	19.55	24.03
61	26.21	20.70	25.49
62	27.83	21.95	27.06
63	29.55	23.30	28.74
64	31.40	24.73	30.53
65	33.36	26.27	32.44
66	35.47	27.91	34.49
67	37.73	29.69	36.68
68	40.14	31.61	39.03
69	42.74	33.70	41.56
70	45.53	35.99	44.30
71	35.60	28.22	34.64
72	37.96	30.21	36.95
73	40.49	32.37	39.44
74	43.16	34.72	42.06
75	46.01	37.24	44.87

SURRENDER CHARGE RATE TABLE - NEW YORK


Issue Age	Male	Female	Unisex
0	3.50	2.83	3.41
1	3.50	2.83	3.41
2	3.50	2.83	3.41
3	3.50	2.83	3.41
4	3.50	2.83	3.41
5	3.50	2.83	3.41
6	3.50	2.83	3.41
7	3.50	2.83	3.41
8	3.50	2.83	3.41
9	3.50	2.83	3.41
10	3.50	2.83	3.41
11	3.65	2.91	3.55
12	3.80	3.00	3.70
13	3.95	3.08	3.84
14	4.10	3.17	3.98
15	4.25	3.25	4.12
16	4.62	3.63	4.49
17	4.99	4.00	4.86
18	5.36	4.38	5.23
19	5.73	4.75	5.60
20	6.10	5.13	5.97
21	6.11	5.16	5.99
22	6.12	5.20	6.00
23	6.13	5.23	6.01
24	6.14	5.27	6.03
25	6.15	5.30	6.04


Issue Age	Male	Female	Unisex
26	6.29	5.42	6.18
27	6.43	5.54	6.31
28	6.57	5.65	6.45
29	6.71	5.77	6.59
30	6.85	5.89	6.73
31	7.17	6.16	7.04
32	7.51	6.44	7.37
33	7.87	6.74	7.72
34	8.26	7.06	8.10
35	8.66	7.40	8.50
36	9.10	7.76	8.93
37	9.55	8.13	9.37
38	10.03	8.53	9.84
39	10.54	8.94	10.33
40	11.09	9.38	10.87
41	11.66	9.83	11.42
42	12.26	10.32	12.01
43	12.91	10.82	12.64
44	13.59	11.36	13.30
45	14.31	11.93	14.00
46	15.08	12.53	14.75
47	15.90	13.16	15.54
48	16.77	13.83	16.39
49	17.70	14.54	17.29
50	18.68	15.30	18.24
51	19.74	16.10	19.27
52	20.86	16.94	20.35
53	22.05	17.85	21.50
54	23.32	18.80	22.73
55	24.67	19.82	24.04
56	26.11	20.90	25.43
57	27.65	22.05	26.92
58	29.30	23.29	28.52
59	31.05	24.62	30.21
60	32.93	26.06	32.04
61	34.94	27.60	33.99
62	37.10	29.26	36.08
63	39.40	31.06	38.32
64	41.86	32.97	40.70
65	44.48	35.02	43.25
66	46.24	37.21	45.98
67	46.23	39.58	46.36
68	46.23	42.14	46.36
69	46.21	44.93	46.34
70	46.19	46.85	46.33
71	46.17	35.91	46.18
72	46.17	38.45	46.32
73	46.16	41.20	46.31
74	46.14	44.18	46.30
75	46.12	46.83	46.28

APPENDIX B – SURRENDER CHARGE PERCENTAGE TABLE

SURRENDER CHARGE PERCENTAGE TABLE – ALL STATES EXCEPT NEW YORK


Policy Year
Issue Age	0	1	2	3	4	5	6	7	8	9	10
0	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
1	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
2	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
3	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
4	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
5	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
6	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
7	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
8	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
9	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
10	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
11	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
12	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
13	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
14	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
15	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
16	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
17	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
18	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
19	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
20	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
21	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
22	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
23	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
24	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
25	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
26	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
27	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
28	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
29	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
30	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
31	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
32	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
33	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
34	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
35	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
36	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
37	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
38	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
39	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
40	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
41	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
42	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
43	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
44	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
45	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
46	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
47	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
48	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
49	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%


Policy Year
Issue Age	0	1	2	3	4	5	6	7	8	9	10
50	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
51	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
52	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
53	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
54	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
55	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
56	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
57	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
58	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
59	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
60	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
61	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
62	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
63	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
64	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
65	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
66	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
67	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
68	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
69	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
70	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
71	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
72	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
73	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
74	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
75	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%

SURRENDER CHARGE PERCENTAGE TABLE – NEW YORK


Policy Year
Issue Age	0	1	2	3	4	5	6	7	8	9	10
0	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
1	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
2	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
3	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
4	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
5	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
6	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
7	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
8	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
9	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
10	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
11	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
12	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
13	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
14	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
15	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
16	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
17	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
18	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
19	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
20	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
21	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
22	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
23	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
24	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
25	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
26	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
27	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
28	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
29	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
30	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
31	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
32	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
33	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
34	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
35	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
36	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
37	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
38	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
39	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
40	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
41	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
42	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
43	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
44	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
45	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
46	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
47	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
48	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
49	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%


Policy Year
Issue Age	0	1	2	3	4	5	6	7	8	9	10
50	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
51	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
52	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
53	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
54	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
55	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
56	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
57	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
58	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
59	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
60	100.0%	100.0%	100.0%	93.3%	80.0%	66.7%	53.3%	40.0%	26.7%	13.3%	0.0%
61	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
62	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
63	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
64	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
65	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
66	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
67	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
68	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
69	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
70	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
71	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
72	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
73	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
74	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%
75	100.0%	93.3%	86.7%	80.0%	66.7%	60.0%	46.7%	40.0%	26.7%	13.3%	0.0%

APPENDIX C – TARGET PREMIUM RATES


Target Premium Rates (per $1,000 of Policy Face Amount) – Male
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
0	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
1	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
2	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
3	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
4	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
5	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
6	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
7	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
8	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
9	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
10	3.36	4.03	4.37	4.70	5.04	5.04	5.54	5.54	6.05	6.05	6.55	6.55	7.06	7.06	7.06	7.06
11	3.53	4.24	4.59	4.94	5.30	5.30	5.82	5.82	6.35	6.35	6.88	6.88	7.41	7.41	7.41	7.41
12	3.70	4.44	4.81	5.18	5.55	5.55	6.11	6.11	6.66	6.66	7.22	7.22	7.77	7.77	7.77	7.77
13	3.87	4.64	5.03	5.42	5.81	5.81	6.39	6.39	6.97	6.97	7.55	7.55	8.13	8.13	8.13	8.13
14	4.03	4.84	5.24	5.64	6.05	6.05	6.65	6.65	7.25	7.25	7.86	7.86	8.46	8.46	8.46	8.46
15	4.21	5.05	5.47	5.89	6.32	6.32	6.95	6.95	7.58	7.58	8.21	8.21	8.84	8.84	8.84	8.84
16	4.56	5.47	5.93	6.38	6.84	6.84	7.52	7.52	8.21	8.21	8.89	8.89	9.58	9.58	9.58	9.58
17	4.93	5.92	6.41	6.90	7.40	7.40	8.13	8.13	8.87	8.87	9.61	9.61	10.35	10.35	10.35	10.35
18	5.29	6.35	6.88	7.41	7.94	7.94	8.73	8.73	9.52	9.52	10.32	10.32	11.11	11.11	11.11	11.11
19	5.66	6.79	7.36	7.92	8.49	8.49	9.34	9.34	10.19	10.19	11.04	11.04	11.89	11.89	11.89	11.89
20	6.02	7.22	7.83	8.43	9.03	9.03	9.93	9.93	10.84	10.84	11.74	11.74	12.64	12.64	12.64	12.64
21	6.05	7.26	7.87	8.47	9.08	9.08	9.98	9.98	10.89	10.89	11.80	11.80	12.71	12.71	12.71	12.71
22	6.08	7.30	7.90	8.51	9.12	9.12	10.03	10.03	10.94	10.94	11.86	11.86	12.77	12.77	12.77	12.77
23	6.09	7.31	7.92	8.53	9.14	9.14	10.05	10.05	10.96	10.96	11.88	11.88	12.79	12.79	12.79	12.79
24	6.12	7.34	7.96	8.57	9.18	9.18	10.10	10.10	11.02	11.02	11.93	11.93	12.85	12.85	12.85	12.85
25	6.15	7.38	8.00	8.61	9.23	9.23	10.15	10.15	11.07	11.07	11.99	11.99	12.92	12.92	12.92	12.92
26	6.44	7.73	8.37	9.02	9.66	9.66	10.63	10.63	11.59	11.59	12.56	12.56	13.52	13.52	13.52	13.52
27	6.73	8.08	8.75	9.42	10.10	10.10	11.10	11.10	12.11	12.11	13.12	13.12	14.13	14.13	14.13	14.13
28	7.02	8.42	9.13	9.83	10.53	10.53	11.58	11.58	12.64	12.64	13.69	13.69	14.74	14.74	14.74	14.74
29	7.31	8.77	9.50	10.23	10.97	10.97	12.06	12.06	13.16	13.16	14.25	14.25	15.35	15.35	15.35	15.35
30	7.60	9.12	9.88	10.64	11.40	11.40	12.54	12.54	13.68	13.68	14.82	14.82	15.96	15.96	15.96	15.96
31	7.89	9.47	10.26	11.05	11.84	11.84	13.02	13.02	14.20	14.20	15.39	15.39	16.57	16.57	16.57	16.57
32	8.18	9.82	10.63	11.45	12.27	12.27	13.50	13.50	14.72	14.72	15.95	15.95	17.18	17.18	17.18	17.18
33	8.47	10.16	11.01	11.86	12.71	12.71	13.98	13.98	15.25	15.25	16.52	16.52	17.79	17.79	17.79	17.79
34	8.76	10.51	11.39	12.26	13.14	13.14	14.45	14.45	15.77	15.77	17.08	17.08	18.40	18.40	18.40	18.40
35	9.09	10.91	11.82	12.73	13.64	13.64	15.00	15.00	16.36	16.36	17.73	17.73	19.09	19.09	19.09	19.09
36	9.68	11.62	12.58	13.55	14.52	14.52	15.97	15.97	17.42	17.42	18.88	18.88	20.33	20.33	20.33	20.33
37	10.27	12.32	13.35	14.38	15.41	15.41	16.95	16.95	18.49	18.49	20.03	20.03	21.57	21.57	21.57	21.57
38	10.86	13.03	14.12	15.20	16.29	16.29	17.92	17.92	19.55	19.55	21.18	21.18	22.81	22.81	22.81	22.81
39	11.45	13.74	14.89	16.03	17.18	17.18	18.89	18.89	20.61	20.61	22.33	22.33	24.05	24.05	24.05	24.05
40	12.04	14.45	15.65	16.86	18.06	18.06	19.87	19.87	21.67	21.67	23.48	23.48	25.28	25.28	25.28	25.28
41	12.63	15.16	16.42	17.68	18.95	18.95	20.84	20.84	22.73	22.73	24.63	24.63	26.52	26.52	26.52	26.52
42	13.22	15.86	17.19	18.51	19.83	19.83	21.81	21.81	23.80	23.80	25.78	25.78	27.76	27.76	27.76	27.76
43	13.81	16.57	17.95	19.33	20.72	20.72	22.79	22.79	24.86	24.86	26.93	26.93	29.00	29.00	29.00	29.00
44	14.40	17.28	18.72	20.16	21.60	21.60	23.76	23.76	25.92	25.92	28.08	28.08	30.24	30.24	30.24	30.24
45	15.03	18.04	19.54	21.04	22.55	22.55	24.80	24.80	27.05	27.05	29.31	29.31	31.56	31.56	31.56	31.56
46	16.12	19.34	20.96	22.57	24.18	24.18	26.60	26.60	29.02	29.02	31.43	31.43	33.85	33.85	33.85	33.85
47	17.21	20.65	22.37	24.09	25.82	25.82	28.40	28.40	30.98	30.98	33.56	33.56	36.14	36.14	36.14	36.14
48	18.30	21.96	23.79	25.62	27.45	27.45	30.20	30.20	32.94	32.94	35.69	35.69	38.43	38.43	38.43	38.43
49	19.39	23.27	25.21	27.15	29.09	29.09	31.99	31.99	34.90	34.90	37.81	37.81	40.72	40.72	40.72	40.72


Target Premium Rates (per $1,000 of Policy Face Amount) – Male
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
50	20.48	24.58	26.62	28.67	30.72	30.72	33.79	33.79	36.86	36.86	39.94	39.94	43.01	43.01	43.01	43.01
51	21.57	25.88	28.04	30.20	32.36	32.36	35.59	35.59	38.83	38.83	42.06	42.06	45.30	45.30	45.30	45.30
52	22.66	27.19	29.46	31.72	33.99	33.99	37.39	37.39	40.79	40.79	44.19	44.19	47.59	47.59	47.59	47.59
53	23.75	28.50	30.88	33.25	35.63	35.63	39.19	39.19	42.75	42.75	46.31	46.31	49.88	49.88	49.88	49.88
54	24.84	29.81	32.29	34.78	37.26	37.26	40.99	40.99	44.71	44.71	48.44	48.44	52.16	52.16	52.16	52.16
55	25.91	31.09	33.68	36.27	38.87	38.87	42.75	42.75	46.64	46.64	50.52	50.52	54.41	54.41	54.41	54.41
56	27.18	32.62	35.33	38.05	40.77	40.77	44.85	44.85	48.92	48.92	53.00	53.00	57.08	57.08	57.08	57.08
57	28.45	34.14	36.99	39.83	42.68	42.68	46.94	46.94	51.21	51.21	55.48	55.48	59.75	59.75	59.75	59.75
58	29.71	35.65	38.62	41.59	44.57	44.57	49.02	49.02	53.48	53.48	57.93	57.93	62.39	62.39	62.39	62.39
59	31.05	37.26	40.37	43.47	46.58	46.58	51.23	51.23	55.89	55.89	60.55	60.55	65.21	65.21	65.21	65.21
60	32.93	39.52	42.81	46.10	49.40	49.40	54.33	54.33	59.27	59.27	64.21	64.21	69.15	69.15	69.15	69.15
61	34.94	41.93	45.42	48.92	52.41	52.41	57.65	57.65	62.89	62.89	68.13	68.13	73.37	73.37	73.37	73.37
62	37.10	44.52	48.23	51.94	55.65	55.65	61.22	61.22	66.78	66.78	72.35	72.35	77.91	77.91	77.91	77.91
63	39.40	47.28	51.22	55.16	59.10	59.10	65.01	65.01	70.92	70.92	76.83	76.83	82.74	82.74	82.74	82.74
64	41.86	50.23	54.42	58.60	62.79	62.79	69.07	69.07	75.35	75.35	81.63	81.63	87.91	87.91	87.91	87.91
65	38.59	46.31	50.17	54.03	57.89	57.89	63.67	63.67	69.46	69.46	75.25	75.25	81.04	81.04	81.04	81.04
66	38.97	46.76	50.66	54.56	58.46	58.46	64.30	64.30	70.15	70.15	75.99	75.99	81.84	81.84	81.84	81.84
67	39.34	47.21	51.14	55.08	59.01	59.01	64.91	64.91	70.81	70.81	76.71	76.71	82.61	82.61	82.61	82.61
68	39.72	47.66	51.64	55.61	59.58	59.58	65.54	65.54	71.50	71.50	77.45	77.45	83.41	83.41	83.41	83.41
69	40.09	48.11	52.12	56.13	60.14	60.14	66.15	66.15	72.16	72.16	78.18	78.18	84.19	84.19	84.19	84.19
70	40.47	48.56	52.61	56.66	60.71	60.71	66.78	66.78	72.85	72.85	78.92	78.92	84.99	84.99	84.99	84.99
71	41.04	49.25	53.35	57.46	61.56	61.56	67.72	67.72	73.87	73.87	80.03	80.03	86.18	86.18	86.18	86.18
72	41.62	49.94	54.11	58.27	62.43	62.43	68.67	68.67	74.92	74.92	81.16	81.16	87.40	87.40	87.40	87.40
73	42.20	50.64	54.86	59.08	63.30	63.30	69.63	69.63	75.96	75.96	82.29	82.29	88.62	88.62	88.62	88.62
74	42.79	51.35	55.63	59.91	64.19	64.19	70.60	70.60	77.02	77.02	83.44	83.44	89.86	89.86	89.86	89.86
75	43.37	52.04	56.38	60.72	65.06	65.06	71.56	71.56	78.07	78.07	84.57	84.57	91.08	91.08	91.08	91.08


Target Premium Rates (per $1,000 of Policy Face Amount) – Female
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
0	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
1	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
2	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
3	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
4	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
5	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
6	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
7	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
8	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
9	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
10	2.91	3.49	3.78	4.07	4.37	4.37	4.80	4.80	5.24	5.24	5.67	5.67	6.11	6.11	6.11	6.11
11	3.05	3.66	3.97	4.27	4.58	4.58	5.03	5.03	5.49	5.49	5.95	5.95	6.41	6.41	6.41	6.41
12	3.20	3.84	4.16	4.48	4.80	4.80	5.28	5.28	5.76	5.76	6.24	6.24	6.72	6.72	6.72	6.72
13	3.34	4.01	4.34	4.68	5.01	5.01	5.51	5.51	6.01	6.01	6.51	6.51	7.01	7.01	7.01	7.01
14	3.47	4.16	4.51	4.86	5.21	5.21	5.73	5.73	6.25	6.25	6.77	6.77	7.29	7.29	7.29	7.29
15	3.63	4.36	4.72	5.08	5.45	5.45	5.99	5.99	6.53	6.53	7.08	7.08	7.62	7.62	7.62	7.62
16	3.93	4.72	5.11	5.50	5.90	5.90	6.48	6.48	7.07	7.07	7.66	7.66	8.25	8.25	8.25	8.25
17	4.24	5.09	5.51	5.94	6.36	6.36	7.00	7.00	7.63	7.63	8.27	8.27	8.90	8.90	8.90	8.90
18	4.56	5.47	5.93	6.38	6.84	6.84	7.52	7.52	8.21	8.21	8.89	8.89	9.58	9.58	9.58	9.58
19	4.87	5.84	6.33	6.82	7.31	7.31	8.04	8.04	8.77	8.77	9.50	9.50	10.23	10.23	10.23	10.23
20	5.17	6.20	6.72	7.24	7.76	7.76	8.53	8.53	9.31	9.31	10.08	10.08	10.86	10.86	10.86	10.86
21	5.19	6.23	6.75	7.27	7.79	7.79	8.56	8.56	9.34	9.34	10.12	10.12	10.90	10.90	10.90	10.90
22	5.24	6.29	6.81	7.34	7.86	7.86	8.65	8.65	9.43	9.43	10.22	10.22	11.00	11.00	11.00	11.00
23	5.25	6.30	6.83	7.35	7.88	7.88	8.66	8.66	9.45	9.45	10.24	10.24	11.03	11.03	11.03	11.03
24	5.28	6.34	6.86	7.39	7.92	7.92	8.71	8.71	9.50	9.50	10.30	10.30	11.09	11.09	11.09	11.09
25	5.30	6.36	6.89	7.42	7.95	7.95	8.75	8.75	9.54	9.54	10.34	10.34	11.13	11.13	11.13	11.13
26	5.51	6.61	7.16	7.71	8.27	8.27	9.09	9.09	9.92	9.92	10.74	10.74	11.57	11.57	11.57	11.57
27	5.72	6.86	7.44	8.01	8.58	8.58	9.44	9.44	10.30	10.30	11.15	11.15	12.01	12.01	12.01	12.01
28	5.93	7.12	7.71	8.30	8.90	8.90	9.78	9.78	10.67	10.67	11.56	11.56	12.45	12.45	12.45	12.45
29	6.14	7.37	7.98	8.60	9.21	9.21	10.13	10.13	11.05	11.05	11.97	11.97	12.89	12.89	12.89	12.89
30	6.35	7.62	8.26	8.89	9.53	9.53	10.48	10.48	11.43	11.43	12.38	12.38	13.34	13.34	13.34	13.34
31	6.56	7.87	8.53	9.18	9.84	9.84	10.82	10.82	11.81	11.81	12.79	12.79	13.78	13.78	13.78	13.78
32	6.77	8.12	8.80	9.48	10.16	10.16	11.17	11.17	12.19	12.19	13.20	13.20	14.22	14.22	14.22	14.22
33	6.98	8.38	9.07	9.77	10.47	10.47	11.52	11.52	12.56	12.56	13.61	13.61	14.66	14.66	14.66	14.66
34	7.19	8.63	9.35	10.07	10.79	10.79	11.86	11.86	12.94	12.94	14.02	14.02	15.10	15.10	15.10	15.10
35	7.40	8.88	9.62	10.36	11.10	11.10	12.21	12.21	13.32	13.32	14.43	14.43	15.54	15.54	15.54	15.54
36	7.85	9.42	10.21	10.99	11.78	11.78	12.95	12.95	14.13	14.13	15.31	15.31	16.49	16.49	16.49	16.49
37	8.30	9.96	10.79	11.62	12.45	12.45	13.70	13.70	14.94	14.94	16.19	16.19	17.43	17.43	17.43	17.43
38	8.75	10.50	11.38	12.25	13.13	13.13	14.44	14.44	15.75	15.75	17.06	17.06	18.38	18.38	18.38	18.38
39	9.20	11.04	11.96	12.88	13.80	13.80	15.18	15.18	16.56	16.56	17.94	17.94	19.32	19.32	19.32	19.32
40	9.65	11.58	12.55	13.51	14.48	14.48	15.92	15.92	17.37	17.37	18.82	18.82	20.27	20.27	20.27	20.27
41	10.10	12.12	13.13	14.14	15.15	15.15	16.67	16.67	18.18	18.18	19.70	19.70	21.21	21.21	21.21	21.21
42	10.55	12.66	13.72	14.77	15.83	15.83	17.41	17.41	18.99	18.99	20.57	20.57	22.16	22.16	22.16	22.16
43	11.00	13.20	14.30	15.40	16.50	16.50	18.15	18.15	19.80	19.80	21.45	21.45	23.10	23.10	23.10	23.10
44	11.45	13.74	14.89	16.03	17.18	17.18	18.89	18.89	20.61	20.61	22.33	22.33	24.05	24.05	24.05	24.05
45	11.93	14.32	15.51	16.70	17.90	17.90	19.68	19.68	21.47	21.47	23.26	23.26	25.05	25.05	25.05	25.05
46	12.72	15.26	16.54	17.81	19.08	19.08	20.99	20.99	22.90	22.90	24.80	24.80	26.71	26.71	26.71	26.71
47	13.51	16.21	17.56	18.91	20.27	20.27	22.29	22.29	24.32	24.32	26.34	26.34	28.37	28.37	28.37	28.37
48	14.30	17.16	18.59	20.02	21.45	21.45	23.60	23.60	25.74	25.74	27.89	27.89	30.03	30.03	30.03	30.03
49	15.09	18.11	19.62	21.13	22.64	22.64	24.90	24.90	27.16	27.16	29.43	29.43	31.69	31.69	31.69	31.69


Target Premium Rates (per $1,000 of Policy Face Amount) – Female
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
50	15.88	19.06	20.64	22.23	23.82	23.82	26.20	26.20	28.58	28.58	30.97	30.97	33.35	33.35	33.35	33.35
51	16.67	20.00	21.67	23.34	25.01	25.01	27.51	27.51	30.01	30.01	32.51	32.51	35.01	35.01	35.01	35.01
52	17.46	20.95	22.70	24.44	26.19	26.19	28.81	28.81	31.43	31.43	34.05	34.05	36.67	36.67	36.67	36.67
53	18.25	21.90	23.73	25.55	27.38	27.38	30.11	30.11	32.85	32.85	35.59	35.59	38.33	38.33	38.33	38.33
54	19.04	22.85	24.75	26.66	28.56	28.56	31.42	31.42	34.27	34.27	37.13	37.13	39.98	39.98	39.98	39.98
55	19.82	23.78	25.77	27.75	29.73	29.73	32.70	32.70	35.68	35.68	38.65	38.65	41.62	41.62	41.62	41.62
56	20.90	25.08	27.17	29.26	31.35	31.35	34.49	34.49	37.62	37.62	40.76	40.76	43.89	43.89	43.89	43.89
57	22.05	26.46	28.67	30.87	33.08	33.08	36.38	36.38	39.69	39.69	43.00	43.00	46.31	46.31	46.31	46.31
58	23.29	27.95	30.28	32.61	34.94	34.94	38.43	38.43	41.92	41.92	45.42	45.42	48.91	48.91	48.91	48.91
59	24.62	29.54	32.01	34.47	36.93	36.93	40.62	40.62	44.32	44.32	48.01	48.01	51.70	51.70	51.70	51.70
60	26.06	31.27	33.88	36.48	39.09	39.09	43.00	43.00	46.91	46.91	50.82	50.82	54.73	54.73	54.73	54.73
61	27.60	33.12	35.88	38.64	41.40	41.40	45.54	45.54	49.68	49.68	53.82	53.82	57.96	57.96	57.96	57.96
62	29.26	35.11	38.04	40.96	43.89	43.89	48.28	48.28	52.67	52.67	57.06	57.06	61.45	61.45	61.45	61.45
63	31.06	37.27	40.38	43.48	46.59	46.59	51.25	51.25	55.91	55.91	60.57	60.57	65.23	65.23	65.23	65.23
64	32.97	39.56	42.86	46.16	49.46	49.46	54.40	54.40	59.35	59.35	64.29	64.29	69.24	69.24	69.24	69.24
65	30.28	36.34	39.36	42.39	45.42	45.42	49.96	49.96	54.50	54.50	59.05	59.05	63.59	63.59	63.59	63.59
66	30.87	37.04	40.13	43.22	46.31	46.31	50.94	50.94	55.57	55.57	60.20	60.20	64.83	64.83	64.83	64.83
67	31.46	37.75	40.90	44.04	47.19	47.19	51.91	51.91	56.63	56.63	61.35	61.35	66.07	66.07	66.07	66.07
68	32.04	38.45	41.65	44.86	48.06	48.06	52.87	52.87	57.67	57.67	62.48	62.48	67.28	67.28	67.28	67.28
69	32.62	39.14	42.41	45.67	48.93	48.93	53.82	53.82	58.72	58.72	63.61	63.61	68.50	68.50	68.50	68.50
70	33.22	39.86	43.19	46.51	49.83	49.83	54.81	54.81	59.80	59.80	64.78	64.78	69.76	69.76	69.76	69.76
71	33.80	40.56	43.94	47.32	50.70	50.70	55.77	55.77	60.84	60.84	65.91	65.91	70.98	70.98	70.98	70.98
72	34.38	41.26	44.69	48.13	51.57	51.57	56.73	56.73	61.88	61.88	67.04	67.04	72.20	72.20	72.20	72.20
73	34.96	41.95	45.45	48.94	52.44	52.44	57.68	57.68	62.93	62.93	68.17	68.17	73.42	73.42	73.42	73.42
74	35.56	42.67	46.23	49.78	53.34	53.34	58.67	58.67	64.01	64.01	69.34	69.34	74.68	74.68	74.68	74.68
75	36.14	43.37	46.98	50.60	54.21	54.21	59.63	59.63	65.05	65.05	70.47	70.47	75.89	75.89	75.89	75.89


Target Premium Rates (per $1,000 of Policy Face Amount) – Unisex
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
0	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
1	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
2	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
3	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
4	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
5	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
6	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
7	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
8	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
9	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
10	3.27	3.92	4.25	4.58	4.91	4.91	5.40	5.40	5.89	5.89	6.38	6.38	6.87	6.87	6.87	6.87
11	3.43	4.12	4.46	4.80	5.15	5.15	5.66	5.66	6.17	6.17	6.69	6.69	7.20	7.20	7.20	7.20
12	3.60	4.32	4.68	5.04	5.40	5.40	5.94	5.94	6.48	6.48	7.02	7.02	7.56	7.56	7.56	7.56
13	3.76	4.51	4.89	5.26	5.64	5.64	6.20	6.20	6.77	6.77	7.33	7.33	7.90	7.90	7.90	7.90
14	3.92	4.70	5.10	5.49	5.88	5.88	6.47	6.47	7.06	7.06	7.64	7.64	8.23	8.23	8.23	8.23
15	4.09	4.91	5.32	5.73	6.14	6.14	6.75	6.75	7.36	7.36	7.98	7.98	8.59	8.59	8.59	8.59
16	4.44	5.33	5.77	6.22	6.66	6.66	7.33	7.33	7.99	7.99	8.66	8.66	9.32	9.32	9.32	9.32
17	4.80	5.76	6.24	6.72	7.20	7.20	7.92	7.92	8.64	8.64	9.36	9.36	10.08	10.08	10.08	10.08
18	5.14	6.17	6.68	7.20	7.71	7.71	8.48	8.48	9.25	9.25	10.02	10.02	10.79	10.79	10.79	10.79
19	5.50	6.60	7.15	7.70	8.25	8.25	9.08	9.08	9.90	9.90	10.73	10.73	11.55	11.55	11.55	11.55
20	5.85	7.02	7.61	8.19	8.78	8.78	9.65	9.65	10.53	10.53	11.41	11.41	12.29	12.29	12.29	12.29
21	5.87	7.04	7.63	8.22	8.81	8.81	9.69	9.69	10.57	10.57	11.45	11.45	12.33	12.33	12.33	12.33
22	5.91	7.09	7.68	8.27	8.87	8.87	9.75	9.75	10.64	10.64	11.52	11.52	12.41	12.41	12.41	12.41
23	5.92	7.10	7.70	8.29	8.88	8.88	9.77	9.77	10.66	10.66	11.54	11.54	12.43	12.43	12.43	12.43
24	5.95	7.14	7.74	8.33	8.93	8.93	9.82	9.82	10.71	10.71	11.60	11.60	12.50	12.50	12.50	12.50
25	5.98	7.18	7.77	8.37	8.97	8.97	9.87	9.87	10.76	10.76	11.66	11.66	12.56	12.56	12.56	12.56
26	6.25	7.50	8.13	8.75	9.38	9.38	10.31	10.31	11.25	11.25	12.19	12.19	13.13	13.13	13.13	13.13
27	6.53	7.84	8.49	9.14	9.80	9.80	10.77	10.77	11.75	11.75	12.73	12.73	13.71	13.71	13.71	13.71
28	6.80	8.16	8.84	9.52	10.20	10.20	11.22	11.22	12.24	12.24	13.26	13.26	14.28	14.28	14.28	14.28
29	7.08	8.50	9.20	9.91	10.62	10.62	11.68	11.68	12.74	12.74	13.81	13.81	14.87	14.87	14.87	14.87
30	7.35	8.82	9.56	10.29	11.03	11.03	12.13	12.13	13.23	13.23	14.33	14.33	15.44	15.44	15.44	15.44
31	7.62	9.14	9.91	10.67	11.43	11.43	12.57	12.57	13.72	13.72	14.86	14.86	16.00	16.00	16.00	16.00
32	7.90	9.48	10.27	11.06	11.85	11.85	13.04	13.04	14.22	14.22	15.41	15.41	16.59	16.59	16.59	16.59
33	8.17	9.80	10.62	11.44	12.26	12.26	13.48	13.48	14.71	14.71	15.93	15.93	17.16	17.16	17.16	17.16
34	8.45	10.14	10.99	11.83	12.68	12.68	13.94	13.94	15.21	15.21	16.48	16.48	17.75	17.75	17.75	17.75
35	8.75	10.50	11.38	12.25	13.13	13.13	14.44	14.44	15.75	15.75	17.06	17.06	18.38	18.38	18.38	18.38
36	9.31	11.17	12.10	13.03	13.97	13.97	15.36	15.36	16.76	16.76	18.15	18.15	19.55	19.55	19.55	19.55
37	9.88	11.86	12.84	13.83	14.82	14.82	16.30	16.30	17.78	17.78	19.27	19.27	20.75	20.75	20.75	20.75
38	10.44	12.53	13.57	14.62	15.66	15.66	17.23	17.23	18.79	18.79	20.36	20.36	21.92	21.92	21.92	21.92
39	11.00	13.20	14.30	15.40	16.50	16.50	18.15	18.15	19.80	19.80	21.45	21.45	23.10	23.10	23.10	23.10
40	11.56	13.87	15.03	16.18	17.34	17.34	19.07	19.07	20.81	20.81	22.54	22.54	24.28	24.28	24.28	24.28
41	12.12	14.54	15.76	16.97	18.18	18.18	20.00	20.00	21.82	21.82	23.63	23.63	25.45	25.45	25.45	25.45
42	12.69	15.23	16.50	17.77	19.04	19.04	20.94	20.94	22.84	22.84	24.75	24.75	26.65	26.65	26.65	26.65
43	13.25	15.90	17.23	18.55	19.88	19.88	21.86	21.86	23.85	23.85	25.84	25.84	27.83	27.83	27.83	27.83
44	13.81	16.57	17.95	19.33	20.72	20.72	22.79	22.79	24.86	24.86	26.93	26.93	29.00	29.00	29.00	29.00
45	14.41	17.29	18.73	20.17	21.62	21.62	23.78	23.78	25.94	25.94	28.10	28.10	30.26	30.26	30.26	30.26
46	15.44	18.53	20.07	21.62	23.16	23.16	25.48	25.48	27.79	27.79	30.11	30.11	32.42	32.42	32.42	32.42
47	16.47	19.76	21.41	23.06	24.71	24.71	27.18	27.18	29.65	29.65	32.12	32.12	34.59	34.59	34.59	34.59
48	17.50	21.00	22.75	24.50	26.25	26.25	28.88	28.88	31.50	31.50	34.13	34.13	36.75	36.75	36.75	36.75
49	18.53	22.24	24.09	25.94	27.80	27.80	30.57	30.57	33.35	33.35	36.13	36.13	38.91	38.91	38.91	38.91


Target Premium Rates (per $1,000 of Policy Face Amount) – Unisex
Issue Age	Standard 100%	Table 2 120%	Table 3 130%	Table 4 140%	Table 5 150%	Table 6 150%	Table 7 165%	Table 8 165%	Table 9 180%	Table 10 180%	Table 11 195%	Table 12 195%	Table 13 210%	Table 14 210%	Table 15 210%	Table 16 210%
50	19.56	23.47	25.43	27.38	29.34	29.34	32.27	32.27	35.21	35.21	38.14	38.14	41.08	41.08	41.08	41.08
51	20.59	24.71	26.77	28.83	30.89	30.89	33.97	33.97	37.06	37.06	40.15	40.15	43.24	43.24	43.24	43.24
52	21.62	25.94	28.11	30.27	32.43	32.43	35.67	35.67	38.92	38.92	42.16	42.16	45.40	45.40	45.40	45.40
53	22.65	27.18	29.45	31.71	33.98	33.98	37.37	37.37	40.77	40.77	44.17	44.17	47.57	47.57	47.57	47.57
54	23.68	28.42	30.78	33.15	35.52	35.52	39.07	39.07	42.62	42.62	46.18	46.18	49.73	49.73	49.73	49.73
55	24.69	29.63	32.10	34.57	37.04	37.04	40.74	40.74	44.44	44.44	48.15	48.15	51.85	51.85	51.85	51.85
56	25.92	31.10	33.70	36.29	38.88	38.88	42.77	42.77	46.66	46.66	50.54	50.54	54.43	54.43	54.43	54.43
57	27.17	32.60	35.32	38.04	40.76	40.76	44.83	44.83	48.91	48.91	52.98	52.98	57.06	57.06	57.06	57.06
58	28.52	34.22	37.08	39.93	42.78	42.78	47.06	47.06	51.34	51.34	55.61	55.61	59.89	59.89	59.89	59.89
59	30.21	36.25	39.27	42.29	45.32	45.32	49.85	49.85	54.38	54.38	58.91	58.91	63.44	63.44	63.44	63.44
60	32.04	38.45	41.65	44.86	48.06	48.06	52.87	52.87	57.67	57.67	62.48	62.48	67.28	67.28	67.28	67.28
61	33.99	40.79	44.19	47.59	50.99	50.99	56.08	56.08	61.18	61.18	66.28	66.28	71.38	71.38	71.38	71.38
62	36.08	43.30	46.90	50.51	54.12	54.12	59.53	59.53	64.94	64.94	70.36	70.36	75.77	75.77	75.77	75.77
63	38.32	45.98	49.82	53.65	57.48	57.48	63.23	63.23	68.98	68.98	74.72	74.72	80.47	80.47	80.47	80.47
64	40.70	48.84	52.91	56.98	61.05	61.05	67.16	67.16	73.26	73.26	79.37	79.37	85.47	85.47	85.47	85.47
65	36.93	44.32	48.01	51.70	55.40	55.40	60.93	60.93	66.47	66.47	72.01	72.01	77.55	77.55	77.55	77.55
66	37.35	44.82	48.56	52.29	56.03	56.03	61.63	61.63	67.23	67.23	72.83	72.83	78.44	78.44	78.44	78.44
67	37.76	45.31	49.09	52.86	56.64	56.64	62.30	62.30	67.97	67.97	73.63	73.63	79.30	79.30	79.30	79.30
68	38.18	45.82	49.63	53.45	57.27	57.27	63.00	63.00	68.72	68.72	74.45	74.45	80.18	80.18	80.18	80.18
69	38.60	46.32	50.18	54.04	57.90	57.90	63.69	63.69	69.48	69.48	75.27	75.27	81.06	81.06	81.06	81.06
70	39.02	46.82	50.73	54.63	58.53	58.53	64.38	64.38	70.24	70.24	76.09	76.09	81.94	81.94	81.94	81.94
71	39.59	47.51	51.47	55.43	59.39	59.39	65.32	65.32	71.26	71.26	77.20	77.20	83.14	83.14	83.14	83.14
72	40.17	48.20	52.22	56.24	60.26	60.26	66.28	66.28	72.31	72.31	78.33	78.33	84.36	84.36	84.36	84.36
73	40.75	48.90	52.98	57.05	61.13	61.13	67.24	67.24	73.35	73.35	79.46	79.46	85.58	85.58	85.58	85.58
74	41.34	49.61	53.74	57.88	62.01	62.01	68.21	68.21	74.41	74.41	80.61	80.61	86.81	86.81	86.81	86.81
75	41.92	50.30	54.50	58.69	62.88	62.88	69.17	69.17	75.46	75.46	81.74	81.74	88.03	88.03	88.03	88.03

APPENDIX D

APPLICABLE PERCENTAGES (FOR LIFE INSURANCE DEFINITION TEST)

Guideline Premium/Cash Value Corridor Test


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

Cash Value Accumulation Test (percentage of Policy Value) – Male


Table: Age:	Standard	150% 2	175% 3	200% 4	225% 5	250% 6	275% 7	300% 8	325% 9	350% 10	375% 11	400% 12	425% 13	450% 14	475% 15	500% 16
0	1569.13%	1295.46%	1203.01%	1127.69%	1064.74%	1011.09%	964.65%	923.93%	887.84%	855.58%	826.50%	800.12%	776.05%	753.97%	733.62%	714.80%
1	1530.15%	1267.24%	1178.38%	1105.94%	1045.37%	993.74%	949.02%	909.80%	875.02%	843.92%	815.87%	790.43%	767.20%	745.88%	726.23%	708.04%
2	1482.94%	1230.32%	1144.91%	1075.27%	1017.04%	967.38%	924.36%	886.62%	853.16%	823.22%	796.23%	771.72%	749.35%	728.82%	709.89%	692.36%
3	1433.47%	1190.72%	1108.62%	1041.68%	985.69%	937.94%	896.57%	860.28%	828.09%	799.29%	773.31%	749.73%	728.20%	708.44%	690.22%	673.35%
4	1383.22%	1149.89%	1070.98%	1006.62%	952.80%	906.89%	867.11%	832.21%	801.25%	773.55%	748.56%	725.88%	705.17%	686.16%	668.63%	652.39%
5	1333.54%	1109.26%	1033.40%	971.53%	919.78%	875.64%	837.39%	803.83%	774.06%	747.42%	723.39%	701.57%	681.65%	663.36%	646.50%	630.88%
6	1285.51%	1069.93%	997.00%	937.52%	887.77%	845.33%	808.55%	776.28%	747.65%	722.03%	698.92%	677.94%	658.78%	641.19%	624.97%	609.94%
7	1239.23%	1032.01%	961.90%	904.73%	856.89%	816.09%	780.73%	749.70%	722.17%	697.53%	675.31%	655.13%	636.70%	619.78%	604.17%	589.72%
8	1194.50%	995.31%	927.92%	872.95%	826.97%	787.74%	753.74%	723.90%	697.43%	673.73%	652.36%	632.95%	615.23%	598.95%	583.94%	570.04%
9	1151.27%	959.81%	895.02%	842.18%	797.97%	760.25%	727.56%	698.87%	673.42%	650.63%	630.08%	611.41%	594.36%	578.71%	564.27%	550.90%
10	1109.62%	925.58%	863.30%	812.50%	770.00%	733.74%	702.31%	674.72%	650.24%	628.33%	608.56%	590.61%	574.22%	559.16%	545.27%	532.41%
11	1069.37%	892.47%	832.60%	783.77%	742.91%	708.04%	677.82%	651.29%	627.76%	606.69%	587.68%	570.41%	554.64%	540.16%	526.80%	514.43%
12	1030.88%	860.84%	803.30%	756.35%	717.07%	683.55%	654.50%	628.99%	606.36%	586.10%	567.82%	551.21%	536.05%	522.12%	509.27%	497.36%
13	994.22%	830.80%	775.49%	730.36%	692.60%	660.37%	632.44%	607.91%	586.15%	566.67%	549.09%	533.12%	518.53%	505.13%	492.77%	481.32%
14	959.26%	802.20%	749.04%	705.66%	669.36%	638.38%	611.53%	587.95%	567.02%	548.29%	531.38%	516.02%	501.99%	489.10%	477.21%	466.20%
15	926.02%	775.10%	724.01%	682.32%	647.43%	617.65%	591.83%	569.16%	549.04%	531.03%	514.77%	500.00%	486.50%	474.11%	462.67%	452.07%
16	894.82%	749.82%	700.73%	660.67%	627.14%	598.52%	573.70%	551.91%	532.56%	515.24%	499.61%	485.40%	472.42%	460.50%	449.49%	439.30%
17	865.39%	726.11%	678.95%	640.46%	608.24%	580.74%	556.89%	535.94%	517.35%	500.69%	485.66%	472.00%	459.52%	448.05%	437.46%	427.65%
18	837.56%	703.81%	658.52%	621.55%	590.60%	564.18%	541.26%	521.13%	503.26%	487.26%	472.80%	459.67%	447.67%	436.64%	426.46%	417.02%
19	810.85%	682.43%	638.94%	603.44%	573.71%	548.33%	526.32%	506.98%	489.81%	474.43%	460.54%	447.92%	436.38%	425.78%	415.99%	406.92%
20	785.02%	661.73%	619.97%	585.89%	557.34%	532.97%	511.83%	493.26%	476.77%	461.99%	448.65%	436.52%	425.44%	415.25%	405.84%	397.12%
21	759.92%	641.57%	601.48%	568.76%	541.36%	517.96%	497.66%	479.83%	463.99%	449.80%	436.99%	425.34%	414.69%	404.90%	395.86%	387.48%
22	735.44%	621.83%	583.36%	551.95%	525.65%	503.18%	483.70%	466.58%	451.37%	437.74%	425.44%	414.25%	404.03%	394.62%	385.94%	377.89%
23	711.67%	602.62%	565.70%	535.55%	510.31%	488.75%	470.04%	453.61%	439.01%	425.93%	414.12%	403.38%	393.56%	384.53%	376.20%	368.47%
24	688.55%	583.88%	548.44%	519.51%	495.29%	474.60%	456.65%	440.87%	426.87%	414.31%	402.98%	392.67%	383.24%	374.58%	366.58%	359.16%
25	666.09%	565.64%	531.63%	503.87%	480.63%	460.77%	443.55%	428.42%	414.98%	402.93%	392.05%	382.16%	373.12%	364.80%	357.12%	350.00%
26	644.29%	547.89%	515.26%	488.62%	466.32%	447.27%	430.75%	416.23%	403.34%	391.78%	381.34%	371.85%	363.18%	355.20%	347.83%	341.00%
27	623.22%	530.72%	499.42%	473.86%	452.47%	434.20%	418.35%	404.42%	392.06%	380.97%	370.96%	361.86%	353.54%	345.89%	338.82%	332.27%
28	602.86%	514.11%	484.08%	459.57%	439.05%	421.53%	406.33%	392.97%	381.11%	370.49%	360.89%	352.16%	344.19%	336.85%	330.08%	323.80%
29	583.03%	497.88%	469.07%	445.56%	425.88%	409.07%	394.50%	381.70%	370.33%	360.14%	350.94%	342.57%	334.92%	327.89%	321.40%	315.38%
30	563.67%	481.96%	454.32%	431.77%	412.90%	396.79%	382.81%	370.53%	359.63%	349.86%	341.04%	333.03%	325.70%	318.96%	312.73%	306.96%
31	544.80%	466.40%	439.89%	418.26%	400.16%	384.70%	371.30%	359.53%	349.08%	339.72%	331.26%	323.58%	316.55%	310.09%	304.13%	298.60%
32	526.44%	451.20%	425.76%	405.02%	387.66%	372.84%	359.99%	348.70%	338.68%	329.70%	321.60%	314.23%	307.50%	301.31%	295.59%	290.29%
33	508.58%	436.38%	411.98%	392.08%	375.43%	361.22%	348.89%	338.07%	328.46%	319.86%	312.09%	305.03%	298.57%	292.64%	287.17%	282.09%
34	491.28%	421.99%	398.58%	379.49%	363.52%	349.89%	338.07%	327.69%	318.48%	310.24%	302.79%	296.02%	289.84%	284.15%	278.90%	274.04%
35	474.52%	408.03%	385.57%	367.26%	351.94%	338.87%	327.54%	317.59%	308.76%	300.85%	293.71%	287.23%	281.30%	275.85%	270.83%	266.16%
36	458.30%	394.49%	372.94%	355.37%	340.68%	328.15%	317.28%	307.74%	299.28%	291.70%	284.86%	278.64%	272.96%	267.74%	262.93%	258.46%
37	442.66%	381.42%	360.75%	343.90%	329.81%	317.79%	307.37%	298.23%	290.11%	282.85%	276.29%	270.34%	264.89%	259.89%	255.28%	251.00%
38	427.55%	368.79%	348.96%	332.79%	319.28%	307.76%	297.77%	289.00%	281.23%	274.26%	267.98%	262.27%	257.06%	252.27%	247.85%	243.75%
39	413.01%	356.62%	337.60%	322.10%	309.14%	298.09%	288.52%	280.12%	272.66%	265.99%	259.97%	254.50%	249.51%	244.92%	240.68%	236.76%
40	399.00%	344.90%	326.65%	311.79%	299.37%	288.77%	279.60%	271.54%	264.40%	258.01%	252.24%	247.00%	242.22%	237.82%	233.77%	230.02%


Table: Age:	Standard	150% 2	175% 3	200% 4	225% 5	250% 6	275% 7	300% 8	325% 9	350% 10	375% 11	400% 12	425% 13	450% 14	475% 15	500% 16
41	385.51%	333.61%	316.11%	301.86%	289.94%	279.79%	270.99%	263.28%	256.43%	250.31%	244.79%	239.77%	235.19%	230.98%	227.10%	223.50%
42	372.54%	322.75%	305.97%	292.30%	280.89%	271.15%	262.73%	255.33%	248.78%	242.91%	237.62%	232.82%	228.43%	224.40%	220.69%	217.24%
43	360.09%	312.33%	296.24%	283.14%	272.20%	262.87%	254.80%	247.72%	241.44%	235.82%	230.75%	226.15%	221.96%	218.10%	214.55%	211.25%
44	348.13%	302.34%	286.91%	274.36%	263.87%	254.94%	247.20%	240.42%	234.41%	229.03%	224.18%	219.78%	215.76%	212.07%	208.67%	205.52%
45	336.69%	292.78%	277.99%	265.96%	255.92%	247.36%	239.95%	233.46%	227.71%	222.56%	217.92%	213.71%	209.86%	206.34%	203.08%	200.07%
46	325.73%	283.63%	269.47%	257.94%	248.32%	240.13%	233.04%	226.83%	221.32%	216.39%	211.96%	207.93%	204.25%	200.88%	197.77%	194.90%
47	315.22%	274.86%	261.29%	250.26%	241.04%	233.20%	226.42%	220.47%	215.20%	210.49%	206.25%	202.40%	198.89%	195.67%	192.70%	189.95%
48	305.12%	266.45%	253.45%	242.88%	234.07%	226.56%	220.07%	214.38%	209.35%	204.84%	200.79%	197.11%	193.75%	190.67%	187.84%	185.21%
49	295.35%	258.29%	245.85%	235.73%	227.29%	220.11%	213.90%	208.46%	203.64%	199.34%	195.46%	191.94%	188.74%	185.80%	183.09%	180.59%
50	285.91%	250.40%	238.48%	228.79%	220.71%	213.84%	207.90%	202.70%	198.09%	193.98%	190.28%	186.92%	183.86%	181.05%	178.46%	176.07%
51	276.80%	242.77%	231.35%	222.08%	214.35%	207.78%	202.10%	197.12%	192.72%	188.79%	185.25%	182.04%	179.12%	176.44%	173.97%	171.69%
54	251.56%	221.65%	211.64%	203.51%	196.75%	191.00%	186.03%	181.69%	177.85%	174.43%	171.35%	168.55%	166.01%	163.68%	161.54%	159.56%
55	243.86%	215.23%	205.65%	197.88%	191.41%	185.91%	181.17%	177.03%	173.36%	170.09%	167.15%	164.49%	162.06%	159.84%	157.80%	155.92%
56	236.52%	209.12%	199.96%	192.53%	186.35%	181.10%	176.57%	172.61%	169.11%	166.00%	163.19%	160.65%	158.34%	156.23%	154.28%	152.49%
57	229.52%	203.30%	194.54%	187.44%	181.54%	176.53%	172.21%	168.43%	165.10%	162.12%	159.45%	157.03%	154.83%	152.82%	150.96%	149.26%
58	222.84%	197.76%	189.39%	182.61%	176.97%	172.19%	168.07%	164.47%	161.29%	158.45%	155.91%	153.61%	151.51%	149.59%	147.83%	146.21%
59	216.41%	192.43%	184.43%	177.95%	172.57%	168.01%	164.08%	160.65%	157.62%	154.92%	152.49%	150.30%	148.31%	146.48%	144.81%	143.26%
60	210.23%	187.30%	179.66%	173.48%	168.34%	163.99%	160.24%	156.97%	154.09%	151.52%	149.21%	147.12%	145.23%	143.49%	141.90%	140.43%
61	204.30%	182.38%	175.09%	169.19%	164.29%	160.15%	156.57%	153.46%	150.71%	148.26%	146.07%	144.08%	142.28%	140.63%	139.12%	137.72%
62	198.65%	177.71%	170.74%	165.12%	160.45%	156.50%	153.09%	150.13%	147.51%	145.18%	143.10%	141.21%	139.50%	137.93%	136.49%	135.17%
63	193.28%	173.28%	166.64%	161.27%	156.83%	153.06%	149.82%	147.00%	144.51%	142.30%	140.32%	138.52%	136.90%	135.41%	134.05%	132.79%
64	188.19%	169.10%	162.77%	157.66%	153.42%	149.84%	146.76%	144.08%	141.71%	139.61%	137.73%	136.03%	134.48%	133.07%	131.78%	130.59%
65	183.35%	165.14%	159.11%	154.24%	150.21%	146.81%	143.88%	141.33%	139.09%	137.09%	135.30%	133.69%	132.23%	130.89%	129.67%	128.54%
66	178.74%	161.38%	155.64%	151.01%	147.18%	143.94%	141.16%	138.75%	136.62%	134.73%	133.03%	131.51%	130.12%	128.86%	127.70%	126.63%
67	174.34%	157.79%	152.33%	147.93%	144.29%	141.22%	138.58%	136.29%	134.28%	132.49%	130.88%	129.44%	128.13%	126.93%	125.84%	124.83%
68	170.11%	154.35%	149.15%	144.97%	141.52%	138.61%	136.11%	133.94%	132.03%	130.34%	128.82%	127.46%	126.22%	125.09%	124.06%	123.11%
69	166.04%	151.04%	146.10%	142.14%	138.86%	136.10%	133.74%	131.69%	129.88%	128.28%	126.85%	125.56%	124.39%	123.33%	122.36%	121.46%
70	162.12%	147.85%	143.16%	139.39%	136.29%	133.68%	131.44%	129.50%	127.80%	126.29%	124.94%	123.72%	122.62%	121.62%	120.70%	119.86%
71	158.36%	144.78%	140.33%	136.76%	133.82%	131.35%	129.24%	127.40%	125.79%	124.37%	123.10%	121.95%	120.92%	119.97%	119.11%	118.32%
72	154.74%	141.83%	137.61%	134.23%	131.45%	129.11%	127.12%	125.39%	123.87%	122.53%	121.33%	120.25%	119.28%	118.39%	117.58%	116.84%
73	151.32%	139.06%	135.06%	131.86%	129.23%	127.02%	125.14%	123.50%	122.07%	120.81%	119.68%	118.67%	117.76%	116.93%	116.17%	115.47%
74	148.07%	136.43%	132.64%	129.61%	127.13%	125.04%	123.27%	121.73%	120.39%	119.20%	118.14%	117.19%	116.33%	115.56%	114.84%	114.19%
75	144.97%	133.92%	130.33%	127.47%	125.13%	123.17%	121.49%	120.05%	118.79%	117.67%	116.68%	115.79%	114.99%	114.26%	113.59%	112.98%
76	142.02%	131.53%	128.14%	125.44%	123.23%	121.38%	119.81%	118.45%	117.27%	116.22%	115.29%	114.46%	113.71%	113.03%	112.41%	111.84%
77	139.20%	129.26%	126.05%	123.50%	121.42%	119.68%	118.20%	116.93%	115.82%	114.84%	113.97%	113.19%	112.49%	111.85%	111.27%	110.74%
78	136.52%	127.10%	124.07%	121.66%	119.70%	118.07%	116.68%	115.48%	114.44%	113.53%	112.71%	111.99%	111.33%	110.74%	110.20%	109.71%
79	133.99%	125.07%	122.20%	119.94%	118.09%	116.55%	115.25%	114.13%	113.16%	112.30%	111.54%	110.86%	110.25%	109.70%	109.20%	108.74%
80	131.61%	123.17%	120.47%	118.33%	116.60%	115.15%	113.93%	112.88%	111.97%	111.17%	110.46%	109.83%	109.26%	108.74%	108.28%	107.85%


Table: Age:	Standard	150% 2	175% 3	200% 4	225% 5	250% 6	275% 7	300% 8	325% 9	350% 10	375% 11	400% 12	425% 13	450% 14	475% 15	500% 16
81	129.39%	121.40%	118.85%	116.84%	115.21%	113.85%	112.71%	111.72%	110.87%	110.12%	109.46%	108.87%	108.34%	107.86%	107.43%	107.03%
82	127.31%	119.76%	117.36%	115.47%	113.93%	112.66%	111.59%	110.67%	109.87%	109.18%	108.56%	108.01%	107.52%	107.07%	106.67%	106.30%
83	125.37%	118.23%	115.97%	114.19%	112.75%	111.56%	110.55%	109.69%	108.95%	108.30%	107.73%	107.22%	106.76%	106.34%	105.97%	105.63%
84	123.54%	116.80%	114.66%	112.99%	111.64%	110.52%	109.58%	108.78%	108.09%	107.48%	106.95%	106.47%	106.05%	105.67%	105.32%	105.00%
85	121.83%	115.46%	113.45%	111.87%	110.60%	109.56%	108.68%	107.93%	107.29%	106.72%	106.23%	105.78%	105.39%	105.03%	104.71%	104.42%
86	120.23%	114.22%	112.32%	110.84%	109.65%	108.67%	107.85%	107.15%	106.55%	106.02%	105.56%	105.15%	104.78%	104.45%	104.15%	103.88%
87	118.75%	113.08%	111.29%	109.90%	108.78%	107.86%	107.09%	106.43%	105.87%	105.38%	104.95%	104.57%	104.23%	103.92%	103.64%	103.39%
88	117.39%	112.05%	110.36%	109.04%	107.99%	107.12%	106.40%	105.79%	105.26%	104.80%	104.40%	104.05%	103.73%	103.44%	103.19%	102.95%
89	116.14%	111.11%	109.52%	108.27%	107.28%	106.46%	105.79%	105.21%	104.72%	104.29%	103.91%	103.58%	103.28%	103.02%	102.78%	102.56%
90	114.98%	110.27%	108.76%	107.59%	106.65%	105.88%	105.24%	104.70%	104.24%	103.83%	103.48%	103.17%	102.89%	102.64%	102.42%	102.22%
91	113.92%	109.52%	108.10%	106.99%	106.11%	105.38%	104.78%	104.27%	103.83%	103.45%	103.12%	102.83%	102.56%	102.33%	102.13%	101.97%
92	112.89%	108.82%	107.49%	106.44%	105.60%	104.92%	104.35%	103.87%	103.46%	103.10%	102.79%	102.51%	102.27%	102.05%	101.97%	101.00%
93	111.89%	108.16%	106.91%	105.93%	105.14%	104.49%	103.95%	103.50%	103.11%	102.78%	102.48%	102.23%	102.00%	101.97%	101.00%	101.00%
94	110.88%	107.53%	106.38%	105.45%	104.71%	104.10%	103.59%	103.16%	102.79%	102.48%	102.20%	101.97%	101.97%	101.00%	101.00%	101.00%
95	109.83%	106.91%	105.87%	105.01%	104.32%	103.74%	103.26%	102.85%	102.50%	102.20%	101.97%	101.00%	101.00%	101.00%	101.00%	101.00%
96	108.68%	106.29%	105.38%	104.61%	103.97%	103.43%	102.98%	102.59%	102.26%	101.98%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
97	107.33%	105.55%	104.82%	104.18%	103.61%	103.13%	102.71%	102.34%	102.03%	101.97%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
98	105.61%	104.55%	104.06%	103.61%	103.19%	102.80%	102.44%	102.11%	101.97%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
99	103.30%	102.95%	102.78%	102.61%	102.44%	102.26%	102.09%	101.97%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
100	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
101	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
102	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
103	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
104	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
105	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
106	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
107	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
108	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
109	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
110	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
111	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
112	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
113	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
114	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
115	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
116	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
117	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
118	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
119	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%
120	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%	101.00%

Cash Value Accumulation Test (percentage of Policy Value) – Female


Table: Age	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
0	1871.18	%	1550.58	%	1442.06	%	1353.71	%	1279.93	%	1217.10	%	1162.74	%	1115.10	%	1072.89	%	1035.14	%	1001.13	%	970.28	%	942.11	%	916.27	%	892.44	%	870.39	%
1	1814.33	%	1506.36	%	1402.09	%	1317.18	%	1246.26	%	1185.87	%	1133.61	%	1087.79	%	1047.20	%	1010.90	%	978.18	%	948.49	%	921.39	%	896.52	%	873.59	%	852.36	%
2	1754.86	%	1458.98	%	1358.78	%	1277.18	%	1209.02	%	1150.97	%	1100.73	%	1056.69	%	1017.66	%	982.76	%	951.30	%	922.75	%	896.69	%	872.77	%	850.71	%	830.29	%
3	1694.51	%	1410.18	%	1313.89	%	1235.46	%	1169.96	%	1114.16	%	1065.87	%	1023.53	%	986.01	%	952.46	%	922.21	%	894.76	%	869.70	%	846.70	%	825.49	%	805.85	%
4	1634.44	%	1361.19	%	1268.64	%	1193.25	%	1130.29	%	1076.65	%	1030.23	%	989.53	%	953.46	%	921.21	%	892.13	%	865.73	%	841.64	%	819.52	%	799.13	%	780.25	%
5	1576.08	%	1313.46	%	1224.50	%	1152.05	%	1091.52	%	1039.97	%	995.34	%	956.22	%	921.55	%	890.54	%	862.58	%	837.21	%	814.04	%	792.78	%	773.17	%	755.01	%
6	1519.42	%	1267.00	%	1181.50	%	1111.86	%	1053.68	%	1004.12	%	961.23	%	923.62	%	890.29	%	860.48	%	833.60	%	809.21	%	786.94	%	766.49	%	747.64	%	730.19	%
7	1464.64	%	1222.04	%	1139.86	%	1072.92	%	1017.00	%	969.37	%	928.13	%	891.98	%	859.94	%	831.28	%	805.44	%	781.99	%	760.58	%	740.93	%	722.80	%	706.02	%
8	1412.28	%	1179.12	%	1100.14	%	1035.80	%	982.05	%	936.27	%	896.63	%	861.89	%	831.09	%	803.54	%	778.70	%	756.16	%	735.57	%	716.68	%	699.25	%	683.12	%
9	1361.63	%	1137.56	%	1061.65	%	999.81	%	948.15	%	904.14	%	866.05	%	832.65	%	803.04	%	776.56	%	752.69	%	731.02	%	711.23	%	693.07	%	676.32	%	660.80	%
10	1312.67	%	1097.32	%	1024.36	%	964.92	%	915.27	%	872.97	%	836.36	%	804.26	%	775.80	%	750.34	%	727.40	%	706.56	%	687.54	%	670.08	%	653.98	%	639.07	%
11	1265.49	%	1058.52	%	988.40	%	931.28	%	883.56	%	842.90	%	807.71	%	776.86	%	749.50	%	725.04	%	702.98	%	682.96	%	664.67	%	647.89	%	632.41	%	618.07	%
12	1220.02	%	1021.12	%	953.73	%	898.83	%	852.96	%	813.89	%	780.06	%	750.41	%	724.12	%	700.60	%	679.40	%	660.15	%	642.58	%	626.44	%	611.56	%	597.78	%
13	1176.58	%	985.44	%	920.68	%	867.92	%	823.84	%	786.29	%	753.79	%	725.28	%	700.02	%	677.41	%	657.04	%	638.54	%	621.65	%	606.14	%	591.84	%	578.60	%
14	1134.91	%	951.25	%	889.02	%	838.32	%	795.96	%	759.88	%	728.64	%	701.25	%	676.97	%	655.25	%	635.66	%	617.89	%	601.65	%	586.75	%	573.01	%	560.28	%
15	1094.92	%	918.45	%	858.65	%	809.94	%	769.24	%	734.56	%	704.55	%	678.23	%	654.90	%	634.02	%	615.20	%	598.12	%	582.52	%	568.20	%	554.99	%	542.76	%
16	1056.41	%	886.86	%	829.40	%	782.59	%	743.49	%	710.17	%	681.33	%	656.04	%	633.62	%	613.56	%	595.48	%	579.07	%	564.08	%	550.32	%	537.62	%	525.87	%
17	1019.50	%	856.61	%	801.41	%	756.43	%	718.86	%	686.85	%	659.14	%	634.85	%	613.31	%	594.04	%	576.67	%	560.90	%	546.49	%	533.27	%	521.08	%	509.78	%
18	983.92	%	827.43	%	774.40	%	731.19	%	695.10	%	664.35	%	637.73	%	614.38	%	593.69	%	575.18	%	558.49	%	543.34	%	529.50	%	516.80	%	505.09	%	494.24	%
19	949.61	%	799.27	%	748.33	%	706.82	%	672.15	%	642.61	%	617.04	%	594.61	%	574.73	%	556.95	%	540.92	%	526.37	%	513.08	%	500.87	%	489.62	%	479.20	%
20	916.60	%	772.18	%	723.24	%	683.37	%	650.06	%	621.69	%	597.12	%	575.59	%	556.49	%	539.41	%	524.01	%	510.03	%	497.27	%	485.55	%	474.74	%	464.73	%
21	884.67	%	745.94	%	698.93	%	660.63	%	628.64	%	601.38	%	577.79	%	557.10	%	538.76	%	522.36	%	507.57	%	494.14	%	481.88	%	470.63	%	460.25	%	450.63	%
22	853.79	%	720.53	%	675.37	%	638.58	%	607.85	%	581.67	%	559.01	%	539.14	%	521.53	%	505.78	%	491.57	%	478.68	%	466.90	%	456.10	%	446.13	%	436.89	%
23	823.99	%	695.98	%	652.61	%	617.27	%	587.76	%	562.61	%	540.85	%	521.77	%	504.85	%	489.72	%	476.08	%	463.70	%	452.39	%	442.01	%	432.44	%	423.58	%
24	795.11	%	672.15	%	630.49	%	596.55	%	568.20	%	544.05	%	523.15	%	504.82	%	488.58	%	474.05	%	460.95	%	449.06	%	438.20	%	428.23	%	419.04	%	410.53	%
25	767.25	%	649.13	%	609.11	%	576.52	%	549.29	%	526.10	%	506.02	%	488.42	%	472.82	%	458.87	%	446.29	%	434.87	%	424.45	%	414.88	%	406.05	%	397.88	%
26	740.35	%	626.89	%	588.46	%	557.15	%	531.00	%	508.72	%	489.44	%	472.54	%	457.56	%	444.16	%	432.08	%	421.12	%	411.11	%	401.92	%	393.45	%	385.61	%
27	714.38	%	605.40	%	568.48	%	538.41	%	513.30	%	491.91	%	473.39	%	457.16	%	442.78	%	429.91	%	418.32	%	407.79	%	398.18	%	389.36	%	381.23	%	373.69	%
28	689.39	%	584.72	%	549.26	%	520.38	%	496.26	%	475.72	%	457.94	%	442.36	%	428.55	%	416.19	%	405.06	%	394.96	%	385.73	%	377.26	%	369.45	%	362.23	%
29	665.29	%	564.76	%	530.70	%	502.97	%	479.81	%	460.08	%	443.01	%	428.05	%	414.79	%	402.93	%	392.24	%	382.54	%	373.69	%	365.56	%	358.06	%	351.13	%
30	642.04	%	545.49	%	512.78	%	486.15	%	463.91	%	444.97	%	428.58	%	414.21	%	401.48	%	390.10	%	379.84	%	370.53	%	362.03	%	354.23	%	347.03	%	340.37	%
31	619.58	%	526.85	%	495.44	%	469.86	%	448.51	%	430.32	%	414.58	%	400.79	%	388.57	%	377.64	%	367.79	%	358.85	%	350.69	%	343.21	%	336.30	%	329.91	%
32	597.97	%	508.91	%	478.75	%	454.19	%	433.68	%	416.22	%	401.11	%	387.87	%	376.14	%	365.65	%	356.19	%	347.62	%	339.79	%	332.60	%	325.98	%	319.84	%
33	577.13	%	491.61	%	462.64	%	439.06	%	419.37	%	402.60	%	388.10	%	375.39	%	364.13	%	354.06	%	344.98	%	336.75	%	329.24	%	322.34	%	315.99	%	310.10	%
34	557.07	%	474.93	%	447.12	%	424.48	%	405.57	%	389.48	%	375.55	%	363.35	%	352.54	%	342.88	%	334.17	%	326.27	%	319.06	%	312.45	%	306.35	%	300.70	%
35	537.75	%	458.88	%	432.18	%	410.44	%	392.29	%	376.84	%	363.48	%	351.76	%	341.39	%	332.12	%	323.76	%	316.18	%	309.26	%	302.91	%	297.06	%	291.65	%
36	519.22	%	443.50	%	417.86	%	396.99	%	379.57	%	364.74	%	351.91	%	340.67	%	330.72	%	321.82	%	313.80	%	306.53	%	299.89	%	293.80	%	288.19	%	283.00	%
37	501.37	%	428.66	%	404.05	%	384.01	%	367.29	%	353.06	%	340.75	%	329.96	%	320.41	%	311.87	%	304.18	%	297.20	%	290.84	%	285.00	%	279.62	%	274.64	%
38	484.19	%	414.39	%	390.76	%	371.53	%	355.48	%	341.82	%	330.01	%	319.66	%	310.49	%	302.30	%	294.93	%	288.23	%	282.13	%	276.53	%	271.37	%	266.59	%
39	467.62	%	400.61	%	377.93	%	359.47	%	344.06	%	330.96	%	319.62	%	309.69	%	300.90	%	293.04	%	285.97	%	279.55	%	273.69	%	268.32	%	263.38	%	258.80	%
40	451.63	%	387.30	%	365.52	%	347.81	%	333.03	%	320.45	%	309.57	%	300.05	%	291.61	%	284.07	%	277.29	%	271.13	%	265.52	%	260.37	%	255.62	%	251.23	%


Table: Age	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
41	436.21	%	374.45	%	353.55	%	336.55	%	322.36	%	310.29	%	299.85	%	290.72	%	282.63	%	275.40	%	268.89	%	262.98	%	257.60	%	252.66	%	248.12	%	243.91	%
42	421.34	%	362.05	%	341.99	%	325.67	%	312.06	%	300.48	%	290.47	%	281.70	%	273.94	%	267.01	%	260.77	%	255.10	%	249.94	%	245.21	%	240.85	%	236.82	%
43	407.02	%	350.11	%	330.86	%	315.20	%	302.14	%	291.03	%	281.42	%	273.01	%	265.57	%	258.92	%	252.93	%	247.51	%	242.56	%	238.02	%	233.84	%	229.98	%
44	393.24	%	338.62	%	320.14	%	305.11	%	292.58	%	281.92	%	272.71	%	264.64	%	257.50	%	251.13	%	245.38	%	240.18	%	235.44	%	231.09	%	227.08	%	223.38	%
45	379.99	%	327.56	%	309.83	%	295.41	%	283.39	%	273.16	%	264.32	%	256.59	%	249.74	%	243.62	%	238.12	%	233.13	%	228.58	%	224.42	%	220.58	%	217.03	%
46	367.25	%	316.93	%	299.92	%	286.09	%	274.55	%	264.74	%	256.26	%	248.85	%	242.28	%	236.42	%	231.14	%	226.36	%	222.00	%	218.01	%	214.33	%	210.93	%
47	355.02	%	306.74	%	290.41	%	277.14	%	266.08	%	256.67	%	248.54	%	241.43	%	235.13	%	229.51	%	224.45	%	219.87	%	215.69	%	211.87	%	208.34	%	205.08	%
48	343.31	%	296.98	%	281.32	%	268.59	%	257.97	%	248.95	%	241.16	%	234.34	%	228.30	%	222.92	%	218.07	%	213.68	%	209.68	%	206.01	%	202.63	%	199.51	%
49	332.07	%	287.63	%	272.60	%	260.39	%	250.22	%	241.57	%	234.09	%	227.56	%	221.77	%	216.61	%	211.97	%	207.76	%	203.92	%	200.41	%	197.18	%	194.19	%
50	321.32	%	278.69	%	264.28	%	252.57	%	242.82	%	234.52	%	227.36	%	221.09	%	215.55	%	210.61	%	206.16	%	202.13	%	198.45	%	195.09	%	191.99	%	189.13	%
51	311.03	%	270.14	%	256.33	%	245.10	%	235.75	%	227.80	%	220.94	%	214.93	%	209.62	%	204.88	%	200.62	%	196.76	%	193.25	%	190.02	%	187.06	%	184.32	%
52	301.18	%	261.97	%	248.73	%	237.97	%	229.00	%	221.39	%	214.81	%	209.06	%	203.97	%	199.44	%	195.35	%	191.66	%	188.29	%	185.21	%	182.37	%	179.75	%
53	291.76	%	254.18	%	241.48	%	231.17	%	222.58	%	215.28	%	208.98	%	203.48	%	198.61	%	194.26	%	190.35	%	186.82	%	183.59	%	180.64	%	177.93	%	175.42	%
54	282.76	%	246.74	%	234.57	%	224.69	%	216.46	%	209.47	%	203.44	%	198.17	%	193.50	%	189.35	%	185.61	%	182.22	%	179.14	%	176.31	%	173.72	%	171.32	%
55	274.15	%	239.63	%	227.97	%	218.51	%	210.63	%	203.93	%	198.16	%	193.11	%	188.65	%	184.67	%	181.09	%	177.85	%	174.90	%	172.20	%	169.72	%	167.43	%
56	265.90	%	232.83	%	221.67	%	212.61	%	205.06	%	198.66	%	193.13	%	188.30	%	184.03	%	180.22	%	176.80	%	173.70	%	170.89	%	168.30	%	165.93	%	163.74	%
57	258.03	%	226.35	%	215.66	%	206.99	%	199.77	%	193.64	%	188.35	%	183.73	%	179.65	%	176.01	%	172.74	%	169.78	%	167.08	%	164.61	%	162.35	%	160.25	%
58	250.49	%	220.16	%	209.93	%	201.63	%	194.72	%	188.86	%	183.80	%	179.38	%	175.48	%	172.00	%	168.88	%	166.05	%	163.47	%	161.12	%	158.95	%	156.95	%
59	243.28	%	214.25	%	204.46	%	196.52	%	189.91	%	184.31	%	179.48	%	175.25	%	171.53	%	168.20	%	165.22	%	162.52	%	160.06	%	157.81	%	155.74	%	153.84	%
60	236.36	%	208.59	%	199.22	%	191.63	%	185.31	%	179.96	%	175.34	%	171.30	%	167.74	%	164.57	%	161.72	%	159.14	%	156.80	%	154.65	%	152.68	%	150.86	%
61	229.72	%	203.15	%	194.19	%	186.93	%	180.90	%	175.78	%	171.37	%	167.52	%	164.12	%	161.09	%	158.38	%	155.92	%	153.68	%	151.64	%	149.76	%	148.02	%
62	223.33	%	197.92	%	189.37	%	182.43	%	176.66	%	171.78	%	167.57	%	163.89	%	160.65	%	157.76	%	155.17	%	152.83	%	150.70	%	148.75	%	146.96	%	145.31	%
63	217.19	%	192.91	%	184.73	%	178.10	%	172.60	%	167.93	%	163.92	%	160.41	%	157.32	%	154.57	%	152.10	%	149.87	%	147.84	%	145.98	%	144.28	%	142.70	%
64	211.28	%	188.08	%	180.27	%	173.94	%	168.69	%	164.24	%	160.41	%	157.07	%	154.12	%	151.50	%	149.15	%	147.02	%	145.09	%	143.32	%	141.70	%	140.21	%
65	205.60	%	183.43	%	175.97	%	169.94	%	164.93	%	160.69	%	157.04	%	153.85	%	151.05	%	148.55	%	146.31	%	144.29	%	142.45	%	140.77	%	139.23	%	137.81	%
66	200.13	%	178.96	%	171.85	%	166.09	%	161.31	%	157.27	%	153.79	%	150.76	%	148.09	%	145.72	%	143.59	%	141.66	%	139.92	%	138.32	%	136.86	%	135.51	%
67	194.87	%	174.67	%	167.88	%	162.39	%	157.84	%	153.99	%	150.68	%	147.79	%	145.25	%	142.99	%	140.97	%	139.14	%	137.48	%	135.97	%	134.58	%	133.30	%
68	189.81	%	170.53	%	164.06	%	158.83	%	154.50	%	150.83	%	147.68	%	144.94	%	142.53	%	140.38	%	138.46	%	136.72	%	135.15	%	133.71	%	132.39	%	131.18	%
69	184.95	%	166.57	%	160.40	%	155.41	%	151.29	%	147.80	%	144.81	%	142.20	%	139.91	%	137.87	%	136.05	%	134.40	%	132.91	%	131.55	%	130.30	%	129.15	%
70	180.27	%	162.75	%	156.88	%	152.13	%	148.21	%	144.89	%	142.05	%	139.57	%	137.40	%	135.47	%	133.74	%	132.18	%	130.76	%	129.47	%	128.29	%	127.20	%
71	175.79	%	159.10	%	153.50	%	148.99	%	145.26	%	142.11	%	139.41	%	137.06	%	135.00	%	133.16	%	131.52	%	130.05	%	128.71	%	127.49	%	126.37	%	125.34	%
72	171.49	%	155.60	%	150.28	%	145.99	%	142.44	%	139.45	%	136.89	%	134.66	%	132.71	%	130.97	%	129.42	%	128.02	%	126.76	%	125.60	%	124.55	%	123.57	%
73	167.38	%	152.26	%	147.20	%	143.12	%	139.75	%	136.92	%	134.49	%	132.38	%	130.53	%	128.89	%	127.42	%	126.10	%	124.90	%	123.81	%	122.82	%	121.90	%
74	163.44	%	149.06	%	144.25	%	140.38	%	137.19	%	134.50	%	132.20	%	130.21	%	128.45	%	126.90	%	125.52	%	124.27	%	123.14	%	122.11	%	121.17	%	120.31	%
75	159.67	%	146.01	%	141.45	%	137.77	%	134.75	%	132.20	%	130.02	%	128.14	%	126.48	%	125.02	%	123.71	%	122.53	%	121.47	%	120.50	%	119.62	%	118.80	%
76	156.07	%	143.09	%	138.76	%	135.28	%	132.41	%	130.00	%	127.95	%	126.16	%	124.60	%	123.22	%	121.99	%	120.88	%	119.88	%	118.97	%	118.14	%	117.37	%
77	152.61	%	140.31	%	136.20	%	132.90	%	130.19	%	127.91	%	125.97	%	124.28	%	122.81	%	121.51	%	120.35	%	119.31	%	118.37	%	117.51	%	116.73	%	116.02	%
78	149.31	%	137.64	%	133.75	%	130.63	%	128.06	%	125.91	%	124.07	%	122.49	%	121.10	%	119.88	%	118.79	%	117.81	%	116.93	%	116.13	%	115.39	%	114.72	%
79	146.14	%	135.09	%	131.40	%	128.45	%	126.03	%	124.00	%	122.27	%	120.77	%	119.47	%	118.32	%	117.30	%	116.38	%	115.55	%	114.80	%	114.11	%	113.49	%
80	143.10	%	132.65	%	129.16	%	126.37	%	124.08	%	122.16	%	120.53	%	119.13	%	117.90	%	116.82	%	115.86	%	115.00	%	114.23	%	113.52	%	112.88	%	112.30	%


Table: Age	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
81	140.19	%	130.30	%	127.01	%	124.37	%	122.21	%	120.40	%	118.86	%	117.54	%	116.39	%	115.37	%	114.47	%	113.67	%	112.94	%	112.28	%	111.68	%	111.14	%
82	137.46	%	128.12	%	125.01	%	122.52	%	120.47	%	118.77	%	117.33	%	116.08	%	115.00	%	114.05	%	113.20	%	112.45	%	111.77	%	111.15	%	110.59	%	110.08	%
83	134.91	%	126.10	%	123.16	%	120.81	%	118.88	%	117.28	%	115.92	%	114.75	%	113.73	%	112.84	%	112.05	%	111.34	%	110.71	%	110.13	%	109.61	%	109.13	%
84	132.49	%	124.20	%	121.43	%	119.21	%	117.40	%	115.89	%	114.61	%	113.51	%	112.56	%	111.72	%	110.98	%	110.32	%	109.72	%	109.19	%	108.70	%	108.26	%
85	130.20	%	122.42	%	119.80	%	117.72	%	116.01	%	114.59	%	113.39	%	112.36	%	111.46	%	110.68	%	109.99	%	109.37	%	108.82	%	108.32	%	107.86	%	107.45	%
86	128.04	%	120.75	%	118.30	%	116.33	%	114.73	%	113.39	%	112.26	%	111.30	%	110.46	%	109.73	%	109.08	%	108.50	%	107.98	%	107.52	%	107.10	%	106.71	%
87	125.96	%	119.14	%	116.83	%	114.99	%	113.48	%	112.22	%	111.16	%	110.25	%	109.46	%	108.78	%	108.17	%	107.63	%	107.14	%	106.71	%	106.31	%	105.96	%
88	124.03	%	117.68	%	115.52	%	113.79	%	112.37	%	111.19	%	110.19	%	109.33	%	108.59	%	107.95	%	107.37	%	106.87	%	106.41	%	106.00	%	105.63	%	105.30	%
89	122.23	%	116.36	%	114.34	%	112.72	%	111.39	%	110.28	%	109.34	%	108.54	%	107.84	%	107.23	%	106.69	%	106.21	%	105.79	%	105.40	%	105.05	%	104.74	%
90	120.55	%	115.16	%	113.29	%	111.78	%	110.54	%	109.50	%	108.63	%	107.87	%	107.22	%	106.65	%	106.15	%	105.70	%	105.29	%	104.93	%	104.60	%	104.30	%
91	118.92	%	114.03	%	112.32	%	110.92	%	109.77	%	108.82	%	108.00	%	107.31	%	106.70	%	106.17	%	105.71	%	105.29	%	104.92	%	104.58	%	104.28	%	104.00	%
92	117.17	%	112.78	%	111.22	%	109.94	%	108.88	%	107.99	%	107.25	%	106.60	%	106.05	%	105.56	%	105.13	%	104.75	%	104.41	%	104.10	%	103.82	%	103.57	%
93	115.39	%	111.50	%	110.08	%	108.91	%	107.94	%	107.13	%	106.44	%	105.85	%	105.34	%	104.89	%	104.50	%	104.15	%	103.84	%	103.56	%	103.31	%	103.07	%
94	113.63	%	110.24	%	108.97	%	107.92	%	107.04	%	106.29	%	105.66	%	105.11	%	104.64	%	104.24	%	103.88	%	103.56	%	103.27	%	103.02	%	102.79	%	102.58	%
95	111.88	%	109.03	%	107.93	%	106.99	%	106.20	%	105.52	%	104.93	%	104.43	%	104.00	%	103.62	%	103.28	%	102.99	%	102.73	%	102.50	%	102.29	%	102.10	%
96	110.15	%	107.90	%	106.98	%	106.18	%	105.49	%	104.88	%	104.35	%	103.88	%	103.48	%	103.13	%	102.81	%	102.54	%	102.30	%	102.09	%	101.97	%	101.97	%
97	108.30	%	106.71	%	106.02	%	105.40	%	104.83	%	104.32	%	103.85	%	103.44	%	103.06	%	102.73	%	102.43	%	102.16	%	101.97	%	101.97	%	101.00	%	101.00	%
98	106.19	%	105.33	%	104.93	%	104.54	%	104.18	%	103.83	%	103.50	%	103.18	%	102.89	%	102.61	%	102.34	%	102.10	%	101.00	%	101.00	%	101.00	%	101.00	%
99	103.48	%	103.22	%	103.09	%	102.96	%	102.83	%	102.70	%	102.57	%	102.44	%	102.31	%	102.19	%	102.06	%	101.97	%	101.00	%	101.00	%	101.00	%	101.00	%
100	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
101	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
102	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
103	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
104	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
105	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
106	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
107	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
108	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
109	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
110	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
111	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
112	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
113	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
114	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
115	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
116	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
117	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
118	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
119	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
120	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%

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


Table: Age:	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
0	1620.92	%	1337.91	%	1242.50	%	1164.84	%	1099.98	%	1044.74	%	996.93	%	955.03	%	917.90	%	884.70	%	854.78	%	827.64	%	802.88	%	780.16	%	759.22	%	739.85	%
1	1579.05	%	1307.16	%	1215.44	%	1140.76	%	1078.38	%	1025.22	%	979.20	%	938.85	%	903.08	%	871.09	%	842.26	%	816.09	%	792.21	%	770.29	%	750.08	%	731.38	%
2	1529.85	%	1268.58	%	1180.44	%	1108.65	%	1048.66	%	997.54	%	953.28	%	914.46	%	880.05	%	849.27	%	821.52	%	796.33	%	773.33	%	752.22	%	732.76	%	714.75	%
3	1478.47	%	1227.38	%	1142.65	%	1073.64	%	1015.98	%	966.82	%	924.26	%	886.93	%	853.84	%	824.22	%	797.53	%	773.29	%	751.16	%	730.85	%	712.13	%	694.79	%
4	1426.61	%	1185.28	%	1103.83	%	1037.49	%	982.05	%	934.80	%	893.87	%	857.98	%	826.15	%	797.67	%	771.99	%	748.68	%	727.40	%	707.86	%	689.84	%	673.16	%
5	1375.49	%	1143.52	%	1065.23	%	1001.45	%	948.15	%	902.71	%	863.37	%	828.85	%	798.24	%	770.86	%	746.16	%	723.75	%	703.27	%	684.48	%	667.15	%	651.10	%
6	1325.90	%	1102.91	%	1027.65	%	966.34	%	915.10	%	871.42	%	833.59	%	800.40	%	770.97	%	744.63	%	720.88	%	699.32	%	679.63	%	661.56	%	644.89	%	629.45	%
7	1278.13	%	1063.79	%	991.44	%	932.50	%	883.23	%	841.24	%	804.86	%	772.95	%	744.65	%	719.33	%	696.49	%	675.75	%	656.82	%	639.43	%	623.40	%	608.55	%
8	1232.10	%	1026.07	%	956.52	%	899.86	%	852.50	%	812.12	%	777.15	%	746.46	%	719.25	%	694.90	%	672.94	%	653.00	%	634.79	%	618.07	%	602.65	%	588.36	%
9	1187.60	%	989.56	%	922.71	%	868.24	%	822.71	%	783.89	%	750.27	%	720.76	%	694.60	%	671.18	%	650.06	%	630.89	%	613.37	%	597.29	%	582.46	%	568.72	%
10	1144.73	%	954.37	%	890.10	%	837.74	%	793.97	%	756.65	%	724.32	%	695.96	%	670.80	%	648.28	%	627.97	%	609.53	%	592.69	%	577.22	%	562.96	%	549.74	%
11	1103.30	%	920.32	%	858.54	%	808.20	%	766.13	%	730.25	%	699.17	%	671.89	%	647.70	%	626.05	%	606.52	%	588.79	%	572.59	%	557.72	%	544.00	%	531.29	%
12	1063.58	%	887.70	%	828.32	%	779.93	%	739.48	%	704.99	%	675.10	%	648.88	%	625.62	%	604.80	%	586.02	%	568.97	%	553.39	%	539.09	%	525.89	%	513.67	%
13	1025.77	%	856.73	%	799.65	%	753.14	%	714.25	%	681.10	%	652.37	%	627.16	%	604.79	%	584.77	%	566.72	%	550.32	%	535.33	%	521.58	%	508.88	%	497.13	%
14	989.64	%	827.18	%	772.32	%	727.61	%	690.24	%	658.36	%	630.74	%	606.51	%	585.00	%	565.76	%	548.39	%	532.62	%	518.21	%	504.98	%	492.77	%	481.46	%
15	955.23	%	799.11	%	746.39	%	703.43	%	667.50	%	636.87	%	610.32	%	587.02	%	566.35	%	547.84	%	531.14	%	515.98	%	502.12	%	489.40	%	477.66	%	466.78	%
16	922.82	%	772.82	%	722.16	%	680.88	%	646.35	%	616.91	%	591.39	%	568.99	%	549.12	%	531.33	%	515.28	%	500.70	%	487.37	%	475.13	%	463.84	%	453.38	%
17	892.14	%	748.05	%	699.38	%	659.71	%	626.54	%	598.25	%	573.73	%	552.20	%	533.10	%	516.00	%	500.57	%	486.55	%	473.74	%	461.97	%	451.11	%	441.05	%
18	863.05	%	724.66	%	677.91	%	639.81	%	607.94	%	580.76	%	557.20	%	536.52	%	518.17	%	501.73	%	486.90	%	473.43	%	461.11	%	449.80	%	439.36	%	429.68	%
19	835.09	%	702.19	%	657.30	%	620.71	%	590.11	%	564.00	%	541.37	%	521.50	%	503.87	%	488.08	%	473.83	%	460.88	%	449.04	%	438.17	%	428.13	%	418.83	%
20	808.09	%	680.48	%	637.38	%	602.24	%	572.85	%	547.78	%	526.04	%	506.96	%	490.03	%	474.86	%	461.17	%	448.73	%	437.36	%	426.91	%	417.27	%	408.33	%
21	781.83	%	659.31	%	617.92	%	584.19	%	555.97	%	531.89	%	511.03	%	492.70	%	476.44	%	461.87	%	448.73	%	436.78	%	425.86	%	415.82	%	406.56	%	397.97	%
22	756.31	%	638.67	%	598.94	%	566.55	%	539.46	%	516.35	%	496.31	%	478.72	%	463.10	%	449.12	%	436.49	%	425.02	%	414.53	%	404.89	%	396.00	%	387.75	%
23	731.54	%	618.60	%	580.46	%	549.37	%	523.37	%	501.18	%	481.95	%	465.06	%	450.07	%	436.65	%	424.53	%	413.51	%	403.44	%	394.19	%	385.65	%	377.73	%
24	707.43	%	599.00	%	562.39	%	532.55	%	507.59	%	486.29	%	467.83	%	451.63	%	437.24	%	424.35	%	412.72	%	402.14	%	392.48	%	383.60	%	375.40	%	367.80	%
25	684.04	%	579.96	%	544.81	%	516.17	%	492.22	%	471.78	%	454.06	%	438.51	%	424.70	%	412.33	%	401.17	%	391.02	%	381.75	%	373.22	%	365.35	%	358.06	%
26	661.36	%	561.45	%	527.72	%	500.23	%	477.24	%	457.63	%	440.63	%	425.70	%	412.45	%	400.58	%	389.87	%	380.14	%	371.24	%	363.06	%	355.51	%	348.51	%
27	639.47	%	543.57	%	511.20	%	484.82	%	462.76	%	443.94	%	427.63	%	413.31	%	400.60	%	389.22	%	378.94	%	369.61	%	361.07	%	353.22	%	345.98	%	339.27	%
28	618.33	%	526.29	%	495.23	%	469.92	%	448.76	%	430.71	%	415.06	%	401.33	%	389.14	%	378.22	%	368.36	%	359.41	%	351.22	%	343.70	%	336.75	%	330.31	%
29	597.76	%	509.43	%	479.62	%	455.34	%	435.04	%	417.72	%	402.71	%	389.54	%	377.85	%	367.38	%	357.93	%	349.34	%	341.49	%	334.28	%	327.62	%	321.44	%
30	577.72	%	492.94	%	464.34	%	441.04	%	421.56	%	404.95	%	390.56	%	377.92	%	366.71	%	356.67	%	347.61	%	339.37	%	331.85	%	324.93	%	318.55	%	312.63	%
31	558.24	%	476.86	%	449.42	%	427.07	%	408.38	%	392.45	%	378.64	%	366.52	%	355.77	%	346.14	%	337.45	%	329.56	%	322.34	%	315.71	%	309.59	%	303.92	%
32	539.30	%	461.20	%	434.86	%	413.41	%	395.49	%	380.20	%	366.96	%	355.34	%	345.03	%	335.79	%	327.46	%	319.89	%	312.98	%	306.62	%	300.75	%	295.32	%
33	520.93	%	445.96	%	420.69	%	400.11	%	382.91	%	368.25	%	355.55	%	344.40	%	334.51	%	325.66	%	317.67	%	310.41	%	303.78	%	297.69	%	292.07	%	286.86	%
34	503.13	%	431.17	%	406.92	%	387.17	%	370.67	%	356.61	%	344.42	%	333.73	%	324.25	%	315.76	%	308.10	%	301.15	%	294.79	%	288.95	%	283.56	%	278.57	%
35	485.92	%	416.85	%	393.58	%	374.63	%	358.80	%	345.31	%	333.63	%	323.38	%	314.28	%	306.14	%	298.80	%	292.13	%	286.04	%	280.44	%	275.28	%	270.49	%
36	469.29	%	402.99	%	380.65	%	362.48	%	347.29	%	334.35	%	323.15	%	313.31	%	304.60	%	296.79	%	289.75	%	283.36	%	277.52	%	272.15	%	267.20	%	262.62	%
37	453.25	%	389.61	%	368.18	%	350.75	%	336.18	%	323.77	%	313.02	%	303.59	%	295.23	%	287.75	%	281.01	%	274.88	%	269.28	%	264.14	%	259.40	%	255.00	%
38	437.76	%	376.69	%	356.13	%	339.40	%	325.43	%	313.52	%	303.22	%	294.18	%	286.16	%	278.99	%	272.52	%	266.65	%	261.29	%	256.36	%	251.82	%	247.61	%
39	422.86	%	364.25	%	344.52	%	328.48	%	315.08	%	303.66	%	293.78	%	285.11	%	277.43	%	270.56	%	264.36	%	258.73	%	253.59	%	248.87	%	244.52	%	240.49	%
40	408.51	%	352.26	%	333.33	%	317.94	%	305.09	%	294.14	%	284.67	%	276.36	%	269.00	%	262.41	%	256.47	%	251.08	%	246.15	%	241.63	%	237.47	%	233.61	%


Table: Age:	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
41	394.67	%	340.69	%	322.54	%	307.78	%	295.45	%	284.96	%	275.88	%	267.91	%	260.86	%	254.54	%	248.85	%	243.69	%	238.97	%	234.64	%	230.65	%	226.95	%
42	381.37	%	329.57	%	312.16	%	298.00	%	286.19	%	276.13	%	267.42	%	259.79	%	253.03	%	246.98	%	241.53	%	236.58	%	232.06	%	227.92	%	224.09	%	220.56	%
43	368.58	%	318.89	%	302.19	%	288.61	%	277.28	%	267.64	%	259.30	%	251.99	%	245.51	%	239.71	%	234.49	%	229.75	%	225.43	%	221.46	%	217.80	%	214.41	%
44	356.31	%	308.64	%	292.62	%	279.61	%	268.75	%	259.51	%	251.51	%	244.51	%	238.30	%	232.75	%	227.75	%	223.22	%	219.08	%	215.28	%	211.78	%	208.54	%
45	344.55	%	298.83	%	283.47	%	271.00	%	260.59	%	251.74	%	244.08	%	237.37	%	231.43	%	226.11	%	221.33	%	216.99	%	213.02	%	209.39	%	206.04	%	202.94	%
46	333.28	%	289.43	%	274.71	%	262.75	%	252.78	%	244.30	%	236.97	%	230.54	%	224.85	%	219.77	%	215.19	%	211.03	%	207.24	%	203.77	%	200.56	%	197.60	%
47	322.46	%	280.42	%	266.31	%	254.85	%	245.30	%	237.18	%	230.16	%	224.01	%	218.56	%	213.70	%	209.32	%	205.34	%	201.72	%	198.39	%	195.33	%	192.50	%
48	312.08	%	271.78	%	258.26	%	247.28	%	238.14	%	230.36	%	223.64	%	217.75	%	212.54	%	207.89	%	203.70	%	199.90	%	196.43	%	193.26	%	190.33	%	187.62	%
49	302.05	%	263.41	%	250.46	%	239.95	%	231.19	%	223.74	%	217.31	%	211.68	%	206.69	%	202.24	%	198.23	%	194.60	%	191.29	%	188.25	%	185.46	%	182.87	%
50	292.37	%	255.33	%	242.92	%	232.86	%	224.47	%	217.34	%	211.18	%	205.80	%	201.03	%	196.77	%	192.94	%	189.47	%	186.30	%	183.40	%	180.73	%	178.26	%
51	283.05	%	247.55	%	235.66	%	226.02	%	217.99	%	211.16	%	205.27	%	200.12	%	195.56	%	191.49	%	187.83	%	184.51	%	181.48	%	178.71	%	176.16	%	173.80	%
52	274.08	%	240.06	%	228.67	%	219.44	%	211.75	%	205.22	%	199.59	%	194.66	%	190.30	%	186.41	%	182.91	%	179.73	%	176.85	%	174.20	%	171.76	%	169.51	%
53	265.49	%	232.89	%	221.98	%	213.14	%	205.79	%	199.54	%	194.15	%	189.44	%	185.27	%	181.55	%	178.20	%	175.18	%	172.42	%	169.89	%	167.56	%	165.42	%
54	257.26	%	226.02	%	215.58	%	207.12	%	200.09	%	194.11	%	188.96	%	184.45	%	180.47	%	176.92	%	173.72	%	170.83	%	168.19	%	165.78	%	163.56	%	161.51	%
55	249.40	%	219.48	%	209.49	%	201.39	%	194.66	%	188.95	%	184.02	%	179.72	%	175.91	%	172.52	%	169.47	%	166.71	%	164.20	%	161.90	%	159.78	%	157.82	%
56	241.90	%	213.25	%	203.69	%	195.95	%	189.51	%	184.05	%	179.35	%	175.23	%	171.60	%	168.36	%	165.45	%	162.82	%	160.42	%	158.23	%	156.21	%	154.35	%
57	234.75	%	207.32	%	198.18	%	190.78	%	184.63	%	179.41	%	174.91	%	170.99	%	167.52	%	164.43	%	161.65	%	159.14	%	156.86	%	154.77	%	152.84	%	151.07	%
58	227.92	%	201.67	%	192.93	%	185.85	%	179.98	%	175.00	%	170.71	%	166.96	%	163.65	%	160.71	%	158.06	%	155.67	%	153.49	%	151.50	%	149.67	%	147.98	%
59	221.35	%	196.24	%	187.88	%	181.12	%	175.51	%	170.75	%	166.66	%	163.08	%	159.93	%	157.12	%	154.60	%	152.32	%	150.25	%	148.35	%	146.61	%	145.00	%
60	215.04	%	191.02	%	183.03	%	176.57	%	171.21	%	166.68	%	162.77	%	159.36	%	156.36	%	153.68	%	151.28	%	149.11	%	147.13	%	145.33	%	143.67	%	142.14	%
61	208.98	%	186.02	%	178.38	%	172.22	%	167.10	%	162.77	%	159.05	%	155.80	%	152.94	%	150.39	%	148.10	%	146.03	%	144.16	%	142.44	%	140.86	%	139.41	%
62	203.21	%	181.25	%	173.96	%	168.07	%	163.19	%	159.07	%	155.52	%	152.42	%	149.69	%	147.27	%	145.09	%	143.12	%	141.34	%	139.71	%	138.21	%	136.83	%
63	197.71	%	176.72	%	169.76	%	164.15	%	159.50	%	155.56	%	152.18	%	149.24	%	146.64	%	144.33	%	142.26	%	140.39	%	138.69	%	137.14	%	135.72	%	134.41	%
64	192.48	%	172.44	%	165.80	%	160.44	%	156.01	%	152.27	%	149.05	%	146.24	%	143.77	%	141.58	%	139.61	%	137.84	%	136.22	%	134.75	%	133.40	%	132.16	%
65	187.50	%	168.37	%	162.04	%	156.93	%	152.71	%	149.15	%	146.09	%	143.42	%	141.08	%	138.99	%	137.13	%	135.44	%	133.91	%	132.52	%	131.24	%	130.06	%
66	182.76	%	164.50	%	158.46	%	153.61	%	149.59	%	146.20	%	143.29	%	140.76	%	138.53	%	136.55	%	134.78	%	133.19	%	131.74	%	130.41	%	129.20	%	128.09	%
67	178.21	%	160.80	%	155.05	%	150.43	%	146.61	%	143.39	%	140.63	%	138.23	%	136.11	%	134.24	%	132.56	%	131.05	%	129.67	%	128.42	%	127.28	%	126.22	%
68	173.85	%	157.25	%	151.78	%	147.38	%	143.75	%	140.70	%	138.07	%	135.80	%	133.79	%	132.02	%	130.43	%	129.00	%	127.70	%	126.52	%	125.44	%	124.44	%
69	169.66	%	153.84	%	148.63	%	144.45	%	141.01	%	138.11	%	135.62	%	133.47	%	131.57	%	129.89	%	128.39	%	127.04	%	125.81	%	124.69	%	123.67	%	122.73	%
70	165.62	%	150.55	%	145.60	%	141.63	%	138.36	%	135.61	%	133.25	%	131.21	%	129.42	%	127.83	%	126.41	%	125.13	%	123.98	%	122.92	%	121.96	%	121.07	%
71	161.74	%	147.39	%	142.69	%	138.92	%	135.82	%	133.21	%	130.98	%	129.05	%	127.35	%	125.85	%	124.51	%	123.31	%	122.22	%	121.23	%	120.32	%	119.48	%
71	161.74	%	147.39	%	142.69	%	138.92	%	135.82	%	133.21	%	130.98	%	129.05	%	127.35	%	125.85	%	124.51	%	123.31	%	122.22	%	121.23	%	120.32	%	119.48	%
72	158.03	%	144.36	%	139.89	%	136.32	%	133.38	%	130.91	%	128.80	%	126.98	%	125.38	%	123.96	%	122.70	%	121.56	%	120.53	%	119.60	%	118.74	%	117.96	%
73	154.50	%	141.51	%	137.26	%	133.87	%	131.09	%	128.75	%	126.76	%	125.03	%	123.52	%	122.19	%	121.00	%	119.93	%	118.96	%	118.08	%	117.28	%	116.54	%
74	151.15	%	138.79	%	134.77	%	131.55	%	128.92	%	126.71	%	124.83	%	123.20	%	121.78	%	120.52	%	119.40	%	118.40	%	117.49	%	116.66	%	115.91	%	115.22	%
75	147.95	%	136.21	%	132.39	%	129.35	%	126.86	%	124.77	%	123.00	%	121.47	%	120.13	%	118.94	%	117.89	%	116.95	%	116.09	%	115.32	%	114.61	%	113.97	%
76	144.90	%	133.75	%	130.13	%	127.25	%	124.90	%	122.93	%	121.26	%	119.82	%	118.55	%	117.44	%	116.46	%	115.57	%	114.77	%	114.05	%	113.39	%	112.78	%
77	141.99	%	131.40	%	127.97	%	125.25	%	123.03	%	121.17	%	119.60	%	118.24	%	117.06	%	116.01	%	115.09	%	114.26	%	113.51	%	112.83	%	112.21	%	111.65	%
78	139.23	%	129.18	%	125.93	%	123.36	%	121.26	%	119.51	%	118.03	%	116.75	%	115.64	%	114.66	%	113.79	%	113.01	%	112.31	%	111.68	%	111.10	%	110.58	%
79	136.61	%	127.08	%	124.00	%	121.57	%	119.59	%	117.95	%	116.55	%	115.35	%	114.31	%	113.39	%	112.58	%	111.85	%	111.20	%	110.60	%	110.07	%	109.57	%
80	134.15	%	125.11	%	122.20	%	119.91	%	118.04	%	116.49	%	115.18	%	114.05	%	113.07	%	112.21	%	111.45	%	110.77	%	110.16	%	109.61	%	109.10	%	108.65	%


Table: Age:	Standard		150% 2		175% 3		200% 4		225% 5		250% 6		275% 7		300% 8		325% 9		350% 10		375% 11		400% 12		425% 13		450% 14		475% 15		500% 16
81	131.83	%	123.27	%	120.52	%	118.35	%	116.59	%	115.13	%	113.89	%	112.84	%	111.92	%	111.11	%	110.40	%	109.76	%	109.19	%	108.68	%	108.21	%	107.78	%
82	129.67	%	121.56	%	118.96	%	116.91	%	115.25	%	113.88	%	112.72	%	111.73	%	110.87	%	110.11	%	109.45	%	108.85	%	108.32	%	107.84	%	107.40	%	107.01	%
83	127.65	%	119.97	%	117.51	%	115.58	%	114.02	%	112.73	%	111.64	%	110.71	%	109.90	%	109.20	%	108.57	%	108.02	%	107.52	%	107.08	%	106.67	%	106.30	%
84	125.74	%	118.49	%	116.16	%	114.34	%	112.87	%	111.65	%	110.63	%	109.76	%	109.00	%	108.34	%	107.76	%	107.24	%	106.78	%	106.36	%	105.99	%	105.64	%
85	123.96	%	117.10	%	114.90	%	113.18	%	111.79	%	110.65	%	109.69	%	108.87	%	108.17	%	107.55	%	107.01	%	106.52	%	106.09	%	105.70	%	105.35	%	105.03	%
86	122.29	%	115.82	%	113.74	%	112.12	%	110.81	%	109.73	%	108.83	%	108.06	%	107.40	%	106.82	%	106.31	%	105.86	%	105.46	%	105.10	%	104.77	%	104.48	%
87	120.74	%	114.63	%	112.67	%	111.13	%	109.89	%	108.88	%	108.03	%	107.30	%	106.68	%	106.14	%	105.67	%	105.25	%	104.87	%	104.53	%	104.23	%	103.95	%
88	119.30	%	113.55	%	111.70	%	110.24	%	109.07	%	108.11	%	107.31	%	106.63	%	106.05	%	105.54	%	105.09	%	104.70	%	104.34	%	104.03	%	103.74	%	103.49	%
89	117.98	%	112.59	%	110.83	%	109.46	%	108.35	%	107.44	%	106.68	%	106.04	%	105.49	%	105.01	%	104.58	%	104.21	%	103.88	%	103.58	%	103.32	%	103.07	%
90	116.75	%	111.72	%	110.07	%	108.77	%	107.72	%	106.86	%	106.14	%	105.53	%	105.01	%	104.56	%	104.16	%	103.80	%	103.49	%	103.21	%	102.96	%	102.73	%
91	115.60	%	110.94	%	109.39	%	108.17	%	107.18	%	106.37	%	105.69	%	105.12	%	104.62	%	104.19	%	103.82	%	103.49	%	103.19	%	102.92	%	102.68	%	102.47	%
92	114.42	%	110.16	%	108.71	%	107.57	%	106.64	%	105.87	%	105.24	%	104.69	%	104.23	%	103.83	%	103.47	%	103.16	%	102.88	%	102.63	%	102.41	%	102.21	%
93	113.23	%	109.37	%	108.04	%	106.97	%	106.10	%	105.38	%	104.78	%	104.27	%	103.84	%	103.46	%	103.13	%	102.83	%	102.57	%	102.34	%	102.14	%	101.97	%
94	112.00	%	108.59	%	107.37	%	106.38	%	105.57	%	104.90	%	104.34	%	103.86	%	103.45	%	103.10	%	102.79	%	102.51	%	102.27	%	102.06	%	101.97	%	101.00	%
95	110.72	%	107.80	%	106.72	%	105.82	%	105.07	%	104.44	%	103.91	%	103.46	%	103.07	%	102.74	%	102.45	%	102.19	%	101.97	%	101.97	%	101.00	%	101.00	%
96	109.36	%	107.01	%	106.08	%	105.29	%	104.62	%	104.04	%	103.55	%	103.12	%	102.76	%	102.44	%	102.17	%	101.97	%	101.00	%	101.00	%	101.00	%	101.00	%
97	107.80	%	106.10	%	105.38	%	104.74	%	104.17	%	103.67	%	103.22	%	102.82	%	102.47	%	102.17	%	101.97	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
98	105.91	%	104.94	%	104.50	%	104.07	%	103.68	%	103.30	%	102.95	%	102.63	%	102.32	%	102.04	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
99	103.39	%	103.09	%	102.94	%	102.79	%	102.65	%	102.50	%	102.35	%	102.20	%	102.05	%	101.97	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
100	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
101	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
102	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
103	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
104	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
105	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
106	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
107	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
108	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
109	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
110	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
111	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
112	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
113	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
114	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
115	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
116	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
117	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
118	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
119	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%
120	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%	101.00	%

ADDITIONAL INFORMATION

Additional information about the Policy and the Separate Account is available in the Statement of Additional Information dated May 1, 2026, and which is incorporated into this prospectus.

The Statement of Additional Information is available, without charge, upon request. Your questions and/or requests for a free copy of the Statement of Additional Information or a free personalized illustration should be directed to: Principal Benefit Variable Universal Life II, Principal Financial Group, P.O. Box 10431, Des Moines, Iowa 50306-0431, 1-800-247-9988. You may also contact us through our internet site: www.principal.com

Reports and other information about the Separate Account are also available on the Commission’s website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: publicinfo@sec.gov.

Principal® Benefit Variable Universal Life II

EDGAR Contract Identifier: C000063569

PART B

STATEMENT OF ADDITIONAL INFORMATION

PRINCIPAL® BENEFIT VARIABLE UNIVERSAL LIFE II

FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY

Issued by Principal Life Insurance Company (the “Company”) through its

Principal Life Insurance Company Variable Life Separate Account

dated May 1, 2026

The Statement of Additional Information provides information about the Principal ® Benefit Variable Universal Life II Insurance Policy sponsored by Principal Life Insurance Company through its Principal Life Insurance Company Variable Life Separate Account.

This Statement of Additional Information is not a prospectus but does provide information that supplements the Policy’s Prospectus dated May 1, 2026. It should be read with that Prospectus which is available without charge. To request a copy of the Prospectus, please contact us at:

Principal ® Benefit Variable Universal Life II

Principal Financial Group

P.O. Box 10431

Des Moines, Iowa 50306-0431

Telephone: 1-800-247-9988

Fax: 1-866-885-0390

TABLE OF CONTENTS


			Page
GENERAL INFORMATION AND HISTORY			3
The Company			3
Principal Life Insurance Company Variable Life Separate Account			3
Independent Registered Public Accounting Firm			3
UNDERWRITERS			3
UNDERWRITING PROCEDURES			3
PERFORMANCE DATA			3
FINANCIAL STATEMENTS			5

GENERAL INFORMATION AND HISTORY

The Company

Principal Life Insurance Company (the “Company”) is the issuer of the Principal Benefit Variable Universal Life II Insurance Policy (the “Policy”). The Company is a stock life insurance company with its home office at: Principal Financial Group, Des Moines, Iowa 50306-0431. It is authorized to transact life and annuity business in all states of the United States and the District of Columbia. The Company is a wholly owned indirect subsidiary of Principal Financial Group, Inc., a publicly-traded company.

In 1879, the Company was incorporated under Iowa law as a mutual assessment life insurance company named Bankers Life Association. It became a legal reserve life insurance company and changed its name to Bankers Life Company in 1911 and then to Principal Mutual Life Insurance Company in 1986. The name change to Principal Life Insurance Company and reorganization into a mutual insurance holding company structure took place in 1998, when the Company became a stock life insurance company. In 2001, the mutual insurance holding company converted to a stock company through a process called demutualization, resulting in the current organizational structure.

Principal Life Insurance Company Variable Life Separate Account

The separate account was established under Iowa law on November 2, 1987. It was then registered as a unit investment trust with the Securities Exchange Commission. This registration does not involve Securities Exchange Commission supervision of the investments or investment policies of the separate account.

All of the units of the Separate Account are owned by the Company. Policy owners may purchase units of the divisions of the Separate Account.

Independent Registered Public Accounting Firm

Ernst & Young LLP, serves as the independent registered public accounting firm for Principal Life Insurance Company and the Principal Life Insurance Company Variable Life Separate Account. The audited financial statements incorporated in this Statement of Additional Information have been incorporated in reliance upon the report of Ernst & Young LLP, given on the authority as an expert in accounting and auditing. The principal business address of Ernst & Young LLP is 801 Grand Avenue, Suite 3100, Des Moines, Iowa 50309.

UNDERWRITERS

The principal underwriter of the Policy is Principal Securities, Inc. ("PSI") formerly Princor Financial Services Corporation which is a wholly-owned subsidiary of Principal Financial Services, Inc. and an affiliate of the Company. PSI’s address is Principal Securities, Inc., 711 High Street, Des Moines, IA 50392. PSI was incorporated in Iowa in 1968, and is a securities broker-dealer registered with the SEC as well as a member of the Financial Institutions Regulatory Authority. The Policies may also be sold through other broker-dealers authorized by PSI and applicable law to do so.

The Policy’s offering to the public is continuous. As the principal underwriter, PSI is paid for the distribution of the Policy. For the last three fiscal years PSI has received and retained the following commissions:


2025 received/retained	2024 received/retained	2023 received/retained
$118,440/$0	$91,626/$0	$132,170/$0

UNDERWRITING PROCEDURES

Guaranteed maximum cost of insurance rates are based on 2001 CSO Mortality Unismoke Table (the prevailing mortality table approved by the National Association of Insurance Commissioners), age nearest birthday, with distinction for the insured’s gender.

FINANCIAL STATEMENTS

The financial statements of the Principal Life Insurance Company Variable Life Separate Account and Principal Life Insurance Company are incorporated by reference to the submission for type N-VPFS filed by Principal Life Insurance Company Variable Life Separate Account with the Securities and Exchange Commission on April 29, 2026.

PART C

OTHER INFORMATION

Item 30. Exhibits

Unless otherwise noted, documents containing Accession Numbers below have previously been filed with the Securities and Exchange Commission and are incorporated herein by reference.


(a)	Resolution of Board of Directors of Depositor (Incorporated by Reference from Exhibit (a) to Registrant's filing on Form N-6 on 5/7/2004)(Accession No. 0000870786-04-000077)

(b)	Custodian Agreement - N/A

(c)	Underwriting Contracts

	(c1)	Distribution Agreement (Incorporated by Reference from Exhibit (c1) to Registrant's Filing on Form N-6 on10/2/2008)(Accession No. 0000950137-08-012277)
	(c2)	Selling Agreement (Incorporated by Reference from Exhibit (c2) to Registrant's Filing on Form N-6 on10/24/2007)(Accession No. 0000898745-07-000164)
	(c3)	Registered Representative Agreement (Incorporated by Reference from Exhibit (c2) to Registrant's Filing on Form N-6 on10/24/2007)(Accession No. 0000898745-07-000164)

(d)	Contracts (Exhibits d1 through d10 are Incorporated by Reference from Exhibits (d1) through (d10) to Registrant's Filing on Form N-6 on 2/22/08)(Accession No. 0000950137-08-002626)

	(d1)	Form of Specimen Variable Life Contract
	(d2)	Form of Specimen Accounting Benefit Rider
	(d3)	Form of Specimen Change of Insured Rider
	(d4)	Form of Specimen Cost of Living Increase Rider
	(d5)	Form of Specimen Death Benefit Guarantee Rider
	(d6)	Form of Specimen Extended Coverage Rider
	(d7)	Form of Specimen Life Paid-up Rider
	(d8)	Form of Specimen Supplemental Benefit Rider
	(d9)	Form of Specimen Waiver of Monthly Policy Charge Rider
	(d10)	Form of Specimen Waiver of Specified Premium Rider

(e)	Applications (Exhibits (e1) through (e4) are Incorporated by Reference from Exhibits (e1) through (e4) to Registrant's Filing on Form N-6 on 2/22/08)(Accession No. 0000950137-08-002626)

	(e1)	Form of Specimen Life Insurance Application
	(e2)	Form of Specimen Guaranteed/Simplified Issue Life Insurance Application
	(e3)	Form of Specimen Multi-Life Guaranteed Issue Life Insurance Application
	(e4)	Form of Specimen Supplemental Application

(f)	Depositor's Certificate of Incorporation and By-laws

	(f1)	Articles of Incorporation of the Depositor (Incorporated by Reference from Exhibit (f1) to Registrant's Filing on Form N-6 on 5/7/2004)(Accession No. 0000870786-04-000077)
	(f2)	Bylaws of Depositor (Incorporated by Reference from Exhibit (f2) to Registrant's Filing on Form N-6 on 5/7/2004)(Accession No. 0000870786-04-000077)

(g)	Reinsurance Contracts - Incorporated by Reference to the Registrant's filing on Form N-6 on 2/27/2003 (Accession No. 0000870786-03-000061)


(h)	Participation Agreements

	1. AllianceBernstein
	(a)	Administrative Services Agreement dated December 15, 2004 (Incorporated by Reference from Exhibit (h)(1)(c) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
	(b)	Participation Agreement dated December 15, 2004 (Incorporated by Reference from Exhibit (h)(1)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(c)	Amendment to Participation Agreement dated January 1, 2008 (Incorporated by Reference from Exhibit (h)(1)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(d)	Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(1)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(e)	Amendment 2 to Participation Agreement dated May 1, 2011 (Incorporated by Reference from Exhibit (h)(1)(e) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(f)	Amendment 3 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(1)(f) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(g)	Amendment 1 to Administrative Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(1)(g) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(h)	Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(1)(h) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

	2. American Century
	(a)	Shareholder Services Agreement dated April 1, 1999 (Incorporated by Reference from Exhibit (h)(3)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(b)	Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(3)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(c)	Amendment 1 to Shareholder Services Agreement dated May 1, 2001 (Incorporated by Reference from Exhibit (h)(3)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(d)	Amendment 2 to Shareholder Services Agreement dated May 1, 2002 (Incorporated by Reference from Exhibit (h)(3)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(e)	Amendment 3 to Shareholder Services Agreement dated May 1, 2004 (Incorporated by Reference from Exhibit (h)(3)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(f)	Amendment 4 to Shareholder Services Agreement dated October 13, 2005 (Incorporated by Reference from Exhibit (h)(3)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
	(g)	Amendment 5 to Shareholder Services Agreement dated June 1, 2011 (Incorporated by Reference from Exhibit (h)(2)(g) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(h)	Amendment 6 to Shareholder Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(2)(h) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(i)	Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(2)(i) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(j)	Amendment 7 to Shareholder Services Agreement dated March 20, 2014 (Filed as Exhibit (h)2(j) on 04/25/2014 (Accession No. 0000812797-14-000020)

	3. American Funds
	(a)	Fund Participation and Service Agreement dated May 1, 2014 -- Filed as exhibit 99.h03(a) on 04/27/2015 (Accession No. 0000812797-15-000028)
	(b)	Rule 22c-2 Agreement dated May 19, 2014 -- Filed as exhibit 99.h03(b) on 04/27/2015 (Accession No. 0000812797-15-000028)
	(c)	Business Agreement dated May 1, 2014 -- Filed as exhibit 99.h03(c) on 04/27/2015 (Accession No. 0000812797-15-000028)
	(d)	Form of First Amendment To Fund Participation and Service Agreement -- Filed as exhibit 99.h03(d) on 04/27/2015 (Accession No. 0000812797-15-000028)


			4. Calvert Variable Series, Inc.
			(a)			Consolidated Fund Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(3)(a) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(b)			Amendment to Consolidated Fund Participation Agreement dated April 30, 2014 -- Filed as exhibit 99.h04(b) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(c)			Consolidated Administrative Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(3)(b) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(d)			Amendment to Consolidated Services Agreement dated April 30, 2014 -- Filed as exhibit 99.h04(d) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(e)			Rule 22c-2 Agreement (PLIC) dated March 29, 2007 -- Filed as exhibit 99.h04(e) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(f)			Rule 22c-2 Agreement (Princor) dated April 10, 2007 -- Filed as exhibit 99.h04(f) on 04/27/2015 (Accession No. 0000812797-15-000028)

			5. ClearBridge (Legg Mason)
			(a)			Participation Agreement dated April 26, 2013 (Filed as Exhibit (h)5(a) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(b)			Administrative Services Agreement dated April 26, 2013 (Filed as Exhibit (h)5(b) on 04/25/2014 (Accession No. 0000812797-14-000019)

			6. Delaware Distributors
			(a)			Participation Agreement dated April 26, 2010 (Filed as Exhibit (h)5(a) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(b)			Administrative Services Agreement dated April 26, 2010 (Filed as Exhibit (h)5(b) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(c)			Amendment 1 to Participation Agreement dated December 30, 2010 (Filed as Exhibit (h)5(c) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(d)			Amendment 2 to Participation Agreement dated April 4, 2014 (Filed as Exhibit (h)5(d) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(e)			Amendment 3 to Participation Agreement dated July 1, 2015 -- Filed as Exhibit (h)6(e) on 04/25/2016 (Accession No. 0000812797-16-000149)

			7. Dreyfus
			(a)			Participation Agreement dated March 26, 2001 (Incorporated by Reference from Exhibit (8)(d)(1) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(b)			Amendment to Participation Agreement dated March 26, 2002 (Incorporated by Reference from Exhibit (8)(d)(1) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(c)			Amendment 2 to Participation Agreement dated April 15, 2011 (Filed as Exhibit (h)7(g) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(d)			Amendment 3 to Participation Agreement dated April 25, 2012 (Filed as Exhibit (h)7(i) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(e)			Administrative Services Agreement dated March 26, 2002 (Incorporated by Reference from Exhibit (8)(d)(2) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(f)			Amendment to Administrative Services Agreement dated September 1, 2004 (Incorporated by Reference from Exhibit (8)(d)(2) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(g)			Amendment 2 to Administrative Services Agreement dated April 25, 2012 (Filed as Exhibit (h)7(j) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(h)			12b-1 Letter Agreement dated March 26, 2001 (Incorporated by Reference from Exhibit (8)(d)(3) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(i)			12b-1 Letter Agreement for Service Class Shares dated March 26, 2002 -- Filed as exhibit 99.h07(i) on 04/27/2015 (Accession No. 0000812797-15-000028)


			(j)			Amendment to 12b-1 Letter Agreement dated September 1, 2004 (Incorporated by Reference from Exhibit (8)(d)(3) to the Form N-4 filed on 05/01/2008 by Principal Life Insurance Co Separate Account B, File No. 333-116220)(Accession No. 0000950137-08-006515)
			(k)			Amendment 2 to 12b-1 Letter Agreement dated April 25, 2012 (Filed as Exhibit (h)7(h) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(l)			Rule 22c-2 (Supplemental) Agreement dated April 16, 2007 -- Filed as exhibit 99.h07(l) on 04/27/2015 (Accession No. 0000812797-15-000028)

			8. DWS
			(a)			Participation Agreement dated December 1, 2007 (Incorporated by Reference from Exhibit (h)(5) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Amendment 1 to Participation Agreement dated January 5, 2011 (Incorporated by Reference from Exhibit (h)(5) to Registrant's Filing on Form N-6 on 04/27/11)(Accession No. 0000898745-11-000198)
			(c)			Amendment 2 to Participation Agreement dated May 1, 2011 (Filed as Exhibit (h)7(c) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(d)			Amendment 3 to Participation Agreement dated December 18, 2012 (Filed as Exhibit (h)7(d) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(e)			Amendment 4 to Participation Agreement dated April 10, 2013 (Filed as Exhibit (h)7(e) on 04/25/2014 (Accession No. 0000812797-14-000020)

			9. Fidelity Distributors Corporation
			(a)			Amended and Restated Participation Agreement dated December 20, 2004 (Incorporated by Reference from Exhibit (h)(6)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Services Agreement dated July 1, 1999 (Incorporated by Reference from Exhibit (h)(6)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(c)			Service Contract (Service Class Shares) dated August 2, 1999 (Incorporated by Reference from Exhibit (h)(6)(c) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(d)			Service Contract (Initial Class Shares) dated March 1, 2000 (Incorporated by Reference from Exhibit (h)(6)(d) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(e)			Service Contract (Class 2 shares) dated April 1, 2002 (Incorporated by Reference from Exhibit (h)(6)(e) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(f)			Rule 22c-2 Shareholder Information Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(6)(f) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)

			10. Franklin Templeton
			(a)			Amended and Restated Participation Agreement dated November 1, 2007 (Incorporated by Reference from Exhibit (h)(7)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Amendment 1 to Amended and Restated Participation Agreement dated September 10, 2009 (Incorporated by Reference from Exhibit (h)(7)(b) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(c)			Amendment 2 to Amended and Restated Participation Agreement dated August 16, 2010 (Incorporated by Reference from Exhibit (h)(7)(c) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(d)			Participation Agreement Addendum dated May 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(e) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(e)			Amendment 3 to Amended and Restated Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(d) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(f)			Amendment 4 to Amended and Restated Participation Agreement dated September 16, 2013 (Filed as Exhibit (h)10(j) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(g)			Amendment 5 to Amended and Restated Participation Agreement dated May 1, 2014 -- Filed as exhibit 99.h10(g) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(h)			Amendment 6 to Amended and Restated Participation Agreement dated September 16, 2014 -- Filed as exhibit 99.h10(h) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(i)			Administrative Services Agreement dated December 14, 2007 (Incorporated by Reference from Exhibit (h)(7)(c) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(j)			Amendment 1 to Administrative Services Agreement dated September 10, 2009 (Incorporated by Reference from Exhibit (h)(7)(g) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)


			(k)			Amendment 2 to Administrative Services Agreement dated April 20, 2011 (Incorporated by Reference from Exhibit (h)(7)(h) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(l)			Amendment 3 to Administrative Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(i) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(m)			Amendment 4 to Administrative Services Agreement dated May 24, 2013 -- Filed as exhibit 99.h10(m) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(n)			Amendment 5 to Administrative Services Agreement dated May 1, 2014 -- Filed as Exhibit 99(h)(10)(n) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(o)			Amendment 6 to Administrative Services Agreement dated August 30, 2016 -- Filed as Exhibit 99(h)(10)(o) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(p)			Shareholder Information Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(7)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(q)			Amendment to Shareholder Information Agreement (22c-2) dated April 2015 -- Filed as exhibit 99.h10(o) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(r)			Amendment to Participation Agreement Addendum dated March 31, 2015 -- Filed as exhibit 99.h10(p) on 04/27/2015 (Accession No. 0000812797-15-000028)

			11. Invesco (formerly AIM Advisors, Inc.)
			(a)			Participation Agreement dated June 8, 1999 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Amendment 1 to Participation Agreement dated April 1, 2001 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(c)			Amendment 1 to Participation Agreement dated May 1, 2002 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(d)			Amendment 3 to Participation Agreement dated August 15, 2002 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(e)			Amendment 4 to Participation Agreement dated January 8, 2003 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(f)			Amendment 5 to Participation Agreement dated February 14, 2003 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(g)			Amendment 6 to Participation Agreement dated April 30, 2004 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(h)			Amendment 7 to Participation Agreement dated April 29, 2005 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(i)			Amendment 8 to Participation Agreement dated May 1, 2006 (Incorporated by Reference from Exhibit (h)(2)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(j)			Amendment 9 to Participation Agreement dated April 30, 2010 (Incorporated by Reference from Exhibit (h)(8)(j) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(k)			Amendment 10 to Participation Agreement dated April 1, 2011 (Incorporated by Reference from Exhibit (h)(8)(k) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(l)			Amendment 11 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(p) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(m)			Distribution Services Agreement dated October 1, 2002 (Incorporated by Reference from Exhibit (h)(2)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(n)			Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(2)(c) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(o)			Administrative Services Agreement dated June 8, 1999 (Incorporated by Reference from Exhibit (h)(2)(d) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(p)			Amendment 1 to Administrative Services Agreement dated April 30, 2004 (Incorporated by Reference from Exhibit (h)(8)(o) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(q)			Amendment 2 to Administrative Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(q) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)


			(r)			Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(7)(r) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

			12. Janus
			(a)			Fund Participation Agreement dated August 28, 2000 (Incorporated by Reference from Exhibit (h)(9)(a) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(b)			Amendment 1 to Participation Agreement dated April 1, 2001 (Incorporated by Reference from Exhibit (h)(8) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(c)			Amendment 2 to Participation Agreement October 16, 2001 (Incorporated by Reference from Exhibit (h)(8) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(d)			Amendment 3 to Participation Agreement dated May 1, 2002 (Incorporated by Reference from Exhibit (h)(8) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(e)			Amendment 4 to Participation Agreement dated September 3, 2002 (Incorporated by Reference from Exhibit (h)(9)(e) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(f)			Amendment 5 to Participation Agreement dated January 8, 2003 (Incorporated by Reference from Exhibit (h)(9)(f) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(g)			Amendment 6 to Participation Agreement dated August 20, 2007 (Incorporated by Reference from Exhibit (h)(9)(g) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(h)			Amendment 7 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(8)(k) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(i)			Amendment 8 to Participation Agreement dated February 24, 2012 (Filed as Exhibit (h)13(o) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(j)			Amendment to Participation Agreement dated October 15, 2019 - Filed as Exhibit (h)12(j) on 04/28/2020 (Accession No. 0000812797-20-000051)
			(k)			Distribution & Shareholder Services Agreement (Service Shares) dated August 28, 2000 (Incorporated by Reference from Exhibit (h)(8) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(l)			Acceptance Letter of New Distribution and Shareholder Services Agreement dated October 19, 2001 -- Filed as exhibit 99.h13(k) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(m)			Amendment 1 to Distribution and Shareholder Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(8)(l) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(n)			Administrative Services Letter Agreement dated August 14, 2006 (Incorporated by Reference from Exhibit (h)(8) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(o)			Administrative Services Letter Agreement dated May 6, 2008 -- Filed as exhibit 99.h13(n) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(p)			Amendment 1 to Administrative Services Letter Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(8)(m) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(q)			Supplemental Agreement dated April 12, 2007 to Distribution, Shareholder Servicing, Administrative Servicing and Fund/SERV Agreements Letter dated August 14, 2006 -- Filed as exhibit 99.h13(p) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(r)			Amendment to Administrative Services Letter Agreement dated October 15, 2019 - Filed as Exhibit (h)12(r) on 04/28/2020 (Accession No. 0000812797-20-000051)
			(s)			Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(9)(j) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(t)			Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(8)(n) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(u)			Letter regarding Handling of Mutual Fund Orders dated May 20, 2005 -- Filed as exhibit 99.h13(s) on 04/27/2015 (Accession No. 0000812797-15-000028)


			13. Lincoln
			(a)			Participation Agreement with Lincoln Variable Insurance Products Trust dated April 26, 2021 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(b)			Amendment to Participation Agreement with Lincoln Variable Insurance Products Trust dated May 1, 2023 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(c)			Amendment to Participation Agreement with Lincoln Variable Insurance Products Trust dated April 29, 2024 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(d)			Distribution Services Agreement with Lincoln Financial Distributors, Inc. dated April 26, 2021 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(e)			Amendment to Distribution Services Agreement with Lincoln Financial Distributors, Inc. dated April 29, 2024 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(f)			Administrative Services Agreement with Lincoln Financial Investments Corporation dated May 1, 2023 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			(g)			Amendment to Administrative Services Agreement with Lincoln Financial Investments Corporation dated April 29, 2024 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			14. Lord Abbett
			(a)			Participation Agreement dated May 1, 2016 -- Filed as Exhibit 99(h)(13)(a) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(b)			Administrative Service Agreement dated May 1, 2016 -- Filed as Exhibit 99(h)(13)(b) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(c)			Service Agreement Letter dated May 1, 2016 -- Filed as Exhibit 99(h)(13)(c) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(d)			Support Payment Agreement dated May 1, 2016 -- Filed as Exhibit 99(h)(13)(d) on 04/27/2017 (Accession No. 0000812797-17-000059)

			15. MFS
			(a)			Amended and Restated Participation Agreement dated May 1, 2013 (Filed as Exhibit (h)12(a) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(b)			Amended and Restated Fund/Serv Supplement dated May 1, 2013 (Filed as Exhibit (h)12(b) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(c)			Amended and Restated Administrative Services Letter dated April 1, 2016 -- Filed as Exhibit 99(h)(14)(c) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(d)			Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(10)(m) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(e)			Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(9)(o) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

			16. Neuberger Berman Advisors
			(a)			Participation Agreement dated May 1, 2002 (Incorporated by Reference from Exhibit (h)(10)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Distribution and Administrative Services Agreement dated October 25, 2004 (Incorporated by Reference from Exhibit (h)(10)(b) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(c)			Rule 22c-2 Agreement dated April 16, 2007 (Incorporated by Reference from Exhibit (h)(10)(c) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(d)			Amendment 1 to Participation Agreement dated September 3, 2002 (Incorporated by Reference from Exhibit (h)(10)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(e)			Amendment 2 to Participation Agreement dated January 6, 2003 (Incorporated by Reference from Exhibit (h)(10)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(f)			Amendment 3 to Participation Agreement dated September 15, 2004 (Incorporated by Reference from Exhibit (h)(10)(a) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(g)			Amendment 4 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(10)(g) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(h)			Amendment 1 to Distribution and Administrative Services Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(10)(h) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)


			(i)			Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(10)(i) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

			17. Oppenheimer
			(a)			Participation Agreement dated December 21, 2007 (Incorporated by Reference from Exhibit (h)(11) to Registrant's Filing on Form N-6 on 6/26/08)(Accession No. 0000950137-08-008766)
			(b)			Amendment 1 to Participation Agreement dated November 9, 2011 (Incorporated by Reference from Exhibit (h)(11)(b) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(c)			Administrative Services Letter Agreement dated December 21, 2007 (Incorporated by Reference from Exhibit (h)(11)(c) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(d)			Amendment 1 to Administrative Services Letter Agreement dated November 9, 2011 (Incorporated by Reference from Exhibit (h)(11)(d) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

			18. PIMCO
			(a)			Participation Agreement dated March 9, 2009 (Filed as Exhibit (h)15(a) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(b)			Novation and Amendment dated October 22, 2010 (Filed as Exhibit (h)15(b) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(c)			Novation 1 dated October 22, 2010 (Filed as Exhibit (h)15(c) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(d)			Novation 2 dated October 22, 2010 (Filed as Exhibit (h)15(d) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(e)			Administrative Services Agreement (PIMCO Services) dated March 9, 2009 (Filed as Exhibit (h)15(e) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(f)			Administrative Services Agreement (PIMCO Trust) dated March 9, 2009 (Filed as Exhibit (h)15(f) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(g)			Assignment and Amendment to Services Agreement dated March 29, 2012 (Filed as Exhibit (h)15(g) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(h)			Instrument of Accession and Amendment dated August, 29, 2012 (Filed as Exhibit (h)15(h) on 04/25/2014 (Accession No. 0000812797-14-000020)

			19. Principal Variable Contracts Funds, Inc.
			(a)			Participation Agreement dated January 5, 2007 (Filed as Exhibit (h)19(a) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(b)			Amendment 1 to Participation Agreement dated June 1, 2007 (Incorporated by Reference from Exhibit (h)(12)(b) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(c)			Amendment 2 to Participation Agreement dated January 1, 2010 (Filed as Exhibit (h)19(c) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(d)			Amendment 3 (letter) to Participation Agreement dated June 17, 2010 -- Filed as exhibit 99.h19(d) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(e)			Amendment 4 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(12)(d) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(f)			Amendment 5 to Participation Agreement dated February 9, 2015 -- Filed as exhibit 99.h19(f) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(g)			Amendment 6 to Participation Agreement dated August 10, 2016 -- Filed as Exhibit 99(h)(18)(g) on 04/27/2017 (Accession No. 0000812797-17-000059)
			(h)			Rule 22c-2 Agreement dated April 16, 2007 (Filed as Exhibit (h)19(f) on 04/25/2014 (Accession No. 0000812797-14-000019)
			(i)			Amendment 1 to Rule 22c-2 Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(1)(g) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(j)			Rule 12b-1 Letter Agreement dated December 30, 2009 (Filed as Exhibit (h)19(e) on 04/25/2014 (Accession No. 0000812797-14-000019)


			(k)			Amendment 12b-1 Letter Agreement dated November 9, 2011 -- Filed as exhibit 99.h19(j) on 04/27/2015 (Accession No. 0000812797-15-000028)

			20. Putnam
			(a)			Participation Agreement dated May 1, 1998 (Incorporated by Reference from Exhibit (h)(14)(b) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(b)			Amendment 1 to Participation Agreement dated May 1, 2002 (Incorporated by Reference from Exhibit (h)(14)(c) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(c)			Amendment 2 to Participation Agreement dated March 2, 2021 - Filed as Exhibit 99(h)19(c) on 04/29/21 (Accession No. 0000812797-21-000058)
			(d)			Marketing and Administrative Servicing Agreement dated April 1, 2011 (Incorporated by Reference from Exhibit (h)(14)(a) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(e)			Amendment 1 to Marketing and Administrative Servicing Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(13)(b) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(f)			Amendment 2 to Marketing and Administrative Servicing Agreement dated December 1, 2011 -- Filed as exhibit 99.h18(e) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(g)			Amendment 3 to Marketing and Administrative Servicing Agreement dated March 2, 2021 - Filed as Exhibit 99(h)19(g) on 04/29/21 (Accession No. 0000812797-21-000058)
			(h)			Rule 22c-2 Agreement dated March 9, 2007 (Incorporated by Reference from Exhibit (h)(14)(d) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(i)			Consent dated May 15, 2007 -- Filed as exhibit 99.h18(g) on 04/27/2015 (Accession No. 0000812797-15-000028)
			(j)			Amendment 3 to Participation Agreement dated July 31, 2023 - Filed on 04/30/2024 (Accession No. 0000812797-24-000071)
			21. TOPS (Northern Lights)
			(a)			Participation Agreement dated May 1, 2012 (Filed as Exhibit (h)18(a) on 04/25/2014 (Accession No. 0000812797-14-000020)

			22. Van Eck
			(a)			Service Agreement dated November 28, 2007 (Incorporated by Reference from Exhibit (h)(15)(a) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(b)			Amendment 1 to Service Agreement dated April 24, 2009 (Incorporated by Reference from Exhibit (h)(15)(b) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(c)			Amendment 2 to Service Agreement dated May 1, 2011 (Incorporated by Reference from Exhibit (h)(15)(c) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(d)			Participation Agreement dated November 28, 2007 (Incorporated by Reference from Exhibit (h)(15)(d) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(e)			Amendment 1 to Participation Agreement dated April 24, 2009 (Incorporated by Reference from Exhibit (h)(15)(e) to the Form N-6 Filed on 10/19/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000724)
			(f)			Amendment 2 to Participation Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(14)(f) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(g)			Amendment 4 to Participation Agreement dated May 10, 2022
			(h)			Amendment 3 to Service Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(14)(g) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
			(i)			Amendment 4 to Service Agreement dated as of May 1, 2012 (Filed as Exhibit (h)19(j) on 04/25/2014 (Accession No. 0000812797-14-000020)
			(j)			Amendment 5 to Service Agreement dated May 1, 2018 (Filed as Exhibit (h)21(k) on 04/26/2018 (Accession No. 0000812797-19-000037)


	(k)	Amendment 6 to Service Agreement dated October 15, 2019 - Filed as Exhibit (h)21(j) on 04/28/2020 (Accession No. 0000812797-20-000051)
	(l)	Amendment 7 to Service Agreement dated May 10, 2022
	(m)	Shareholder Information Agreement dated November 28, 2007 (Incorporated by Reference from Exhibit (h)(14)(h) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)
	(n)	Amendment 1 to Shareholder Information Agreement dated November 1, 2011 (Incorporated by Reference from Exhibit (h)(14)(i) to the Form N-6 filed on 12/09/2011 by Principal National Life Insurance Co Variable Life Separate Account, File No. 333-175768)(Accession No. 0000898745-11-000809)

	23. Vanguard
	(a)	Participation Agreement dated April 30, 2002 (Incorporated by Reference from Exhibit (h54) to the Registrant's Filing on Form N-6 on 4/27/2011)(Accession No. 0000898745-11-000207)
	(b)	Amendment to Participation Agreement dated September 3, 2002 (Incorporated by Reference from Exhibit (h54) to the Registrant's Filing on Form N-6 on 4/27/2011)(Accession No. 0000898745-11-000207)
	(c)	Amendment 1 to Participation Agreement dated January 8, 2003 (Incorporated by Reference from Exhibit (h54) to the Registrant's Filing on Form N-6 on 4/27/2011)(Accession No. 0000898745-11-000207)
	(d)	Amendment 2 to Participation Agreement dated April 15, 2007 (Incorporated by Reference from Exhibit (h54) to the Registrant's Filing on Form N-6 on 4/27/2011)(Accession No. 0000898745-11-000207)
	(e)	Amendment 3 to Participation Agreement dated September 11, 2007 (Incorporated by Reference from Exhibit (h54) to the Registrant's Filing on Form N-6 on 4/27/2011)(Accession No. 0000898745-11-000207)
	(f)	Amendment 4 to Participation Agreement dated April 24, 2012 (Filed as Exhibit (h)20(f) on 04/25/2014 (Accession No. 0000812797-14-000020)

	24. Wanger International
	(a)	Wanger Advisors Trust Participation Agreement dated April 28, 2015 -- Filed as Exhibit (h)22(a) on 04/25/2016 (Accession No. 0000812797-16-000149)
	(b)	Services Agreement dated May 1, 2015 -- Filed as Exhibit (h)22(b) on 04/25/2016 (Accession No. 0000812797-16-000149)

(i)	Administration Contracts - N/A

(j)	Other Material Contracts - N/A

(k)	Legal Opinion (Incorporated by Reference from Exhibit (k) to Registrant's Filing on Form N-6 on10/2/2008)(Accession No. 0000950137-08-012277)

(l)	Actuarial Opinion - N/A

(m)	Calculations

	(m1)	Sample calculations for Non-NY illustrations (Incorporated by Reference from Exhibit (m1) to Registrant's Filing on Form N-6 on 2/22/08)(Accession No. 0000950137-08-002626)
	(m2)	Sample calculations for NY illustrations - N/A

(n)	Other Opinions

	(1)	Consent of Ernst & Young LLP *
	(2)	Powers of Attorney - Filed as Ex 99.(n)(2) on 04/29/2022 (Accession No. 0000812797-22-000045) and Filed as Ex 99. (n)(2) on 04/27/2023 (Accession No. 0000812797-23-000047) for H. E. Mitchell

(o)

Omitted Financial Statements - N/A

(p)

Initial Capital Agreements - N/A

(q)

Redeemability Exemption -- Filed as Exhibit 99.q on 04/27/2015 (Accession No. 0000812797-15-000028)

(r)

Form of Initial Summary Prospectus - N/A

* Filed herein

Item 31. Officers and Directors of the Depositor

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

DIRECTORS:


Name and Principal Business Address			Positions and Offices
JONATHAN S. AUERBACH 711 High Street Des Moines, IA 50392			Director Member, Finance and Human Resources Committees
MARY E. BEAMS 711 High Street Des Moines, IA 50392			Director Member, Audit and Finance Committees
JOCELYN CARTER-MILLER 711 High Street Des Moines, IA 50392			Director Chair, Human Resources Committee Member, Executive, Nominating and Governance Committee
ROGER C. HOCHSCHILD 711 High Street Des Moines, IA 50392			Director Chair, Nominating and Governance Committee Member, Human Resources Committee
SCOTT M. MILLS 711 High Street Des Moines, IA 50392			Director Member, Audit, Executive and Nominating and Governance Committees
H. ELIZABETH MITCHELL 711 High Street Des Moines, IA 50392			Director Member, Audit and Nominating and Governance Committees
CLAUDIO MURUZABAL 711 High Street Des Moines, IA 50392			Director Member, Human Resources and Nominating and Governance Committees
DIANE C. NORDIN 711 High Street Des Moines, IA 50392			Director Chair, Audit Committee Member, Finance Committee
BLAIR C. PICKERELL 711 High Street Des Moines, IA 50392			Director Member, Finance and Human Resources Committees
CLARE S. RICHER 711 High Street Des Moines, IA 50392			Director Chair, Finance Committee Member, Human Resources and Executive Committees
ALFREDO RIVERA 711 High Street Des Moines, IA 50392			Director Member, Audit and Finance Committees
DEANNA D. STRABLE-SOETHOUT 711 High Street Des Moines, IA 50392			Director Chair of the Board, Executive Committee Principal Life: Chair, President and Chief Executive Officer

EXECUTIVE OFFICERS (OTHER THAN DIRECTORS):


Name and Principal Business Address			Positions and Offices
CHRISTOPHER AGBE DAVIES (1)			Vice President, Associate General Counsel, & Interim Corporate Secretary
VIVEK AGRAWAL(1)			Executive Vice President and Chief Growth Officer
KAMAL BHATIA(1)			President and Chief Executive Officer - Principal Asset Management
J. SCOTT BOYD(1)			Senior Vice President - Retirement Distribution
WEE YEE (THOMAS) CHEONG(3)			President, Asia Pacific & Middle East
LISA M. COULSON(1)			Senior Vice President and Chief Human Resources Officer
GEORGE DJURASOVIC (1)			Interim General Counsel
NOREEN M. FIERRO(1)			Senior Vice President and Enterprise Chief Ethics and Compliance Officer
AMY C. FRIEDRICH(1)			President - Benefits and Protection
TERESA M. HASSARA(1)			Senior Vice President - WSRS
KARA M. HOOGENSEN(1)			Senior Vice President, Benefits and Protection - Head of Workplace Benefits
KATHLEEN B. KAY(1)			Executive Vice President and Chief Information Officer & PGS
CHRISTOPHER J. LITTLEFIELD(1)			President - Retirement and Income Solutions
KENNETH A. MCCULLUM(1)			Executive Vice President - Chief Risk Officer and General Account
CHRISTOPHER D. PAYNE(1)			Senior Vice President, Government Relations
JOEL M. PITZ(1)			Executive Vice President and Chief Financial Officer
SRINIVAS D. REDDY(1)			Senior Vice President - Retirement and Income Solutions
NATHAN P. SCHELHAAS(1)			Senior Vice President, Benefits and Protection - Head of Business Owner Segment
PABLO SPRENGER(2)			Executive Vice President, Principal Latin America
BETHANY A. WOOD(1)			Executive Vice President and Chief Marketing Officer

(1) 711 High Street
Des Moines, IA 50392

(2) Av Apoquindo 3600
Piso 10
Santiago, Chile

(3) 29/F, Sun Hung Kai Centre
30 Harbour Road
Hong Kong SAR China

Item 32. Persons Controlled by or Under Common Control with the Depositor or the Registrant

The Registrant, Principal Life Insurance Company Variable Life Separate Account, is a separate account of Principal Life Insurance Company (the "Depositor") and is operated as a unit investment trust. The Registrant supports benefits payable under Depositor's variable life insurance policies by investing assets allocated to various investment options in shares of Principal Variable Contracts Funds, Inc. and other mutual funds registered under the Investment Company Act of 1940 as open-end management investment companies of the "series" type. No person is directly or indirectly controlled by the Registrant.

The Depositor is wholly-owned by Principal Financial Services, Inc. Principal Financial Services, Inc. (an Iowa corporation) an intermediate holding company organized pursuant to Section 512A.14 of the Iowa Code. In turn, Principal Financial Services, Inc. is a wholly-owned subsidiary of Principal Financial Group, Inc., a publicly traded company that filed consolidated financial statements with the SEC. A list of persons directly or indirectly controlled by or under common control with Depositor as of December 31, 2025 appears below:

None of the companies listed in such organization chart is a subsidiary of the Registrant; therefore, only the separate financial statements of Registrant and the consolidated financial statements of the Depositor are being filed with this Registration Statement.

Principal Life Insurance Company - Organizational Structure

(December 31, 2025)

Organized in

% Owned

PRINCIPAL FINANCIAL GROUP, INC.

Delaware

Publicly Held

→ Principal Financial Services, Inc.*#

Iowa

100

→ CCB Pension Management, Co. Ltd.

China

17.64

→ PFG DO Brasil LTDA*#

Brazil

100

→ Brasilprev Seguros E Previdencia S.A.*

Brazil

→ Principal Global Investors Participacoes, LTDA*#

Brazil

100

→ Claritas Investments LTD*#

Cayman Islands

100

→ Claritas Administracao de Recursos LTDA*#

Brazil

100

→ PFG Do Brasil 2 Participacoes LTDA*#

Brazil

100

→ Ciclic Corretora de Seguros S.A.*#

Brazil

50.01

→ Principal International, LLC.*#

Iowa

100

→ Principal International (Asia) Limited*#

Hong Kong

100

→ Principal Asia Pacific Investment Consulting (Beijing) Limited*#

China

100

→ Principal International (South Asia) SDN, BHD*#

Malaysia

100

→ Principal Nominee Company (Hong Kong) Limited*#

Hong Kong

100

→ Principal Asset Management Company (Asia) Limited*#

Hong Kong

100

→ Principal Trust Company (Hong Kong) Limited*

Hong Kong

100

→ Principal Insurance Company (Hong Kong) Limited*#

Hong Kong

100

→ Principal Asset Management Berhad*

Malaysia

→ CIMB Wealth Advisors Berhad*

Malaysia

100

→ PT Principal Asset Management

Indonesia

100

→ Principal Asset Management (S) PTE LTD*#

Singapore

100

→ Principal Asset Management Company Limited*

Thailand

100

→ PT Principal International Indonesia*

Indonesia

100

→ Principal Trust Company (Asia) Limited*#

Hong Kong

100

→ Principal Investment & Retirement Services Limited*#

Hong Kong

100

→ Principal Consulting (India) Private Limited*#

India

100

→ Principal Bermuda Holding, LLC

Delaware

100

→ Principal Financial Services (Bermuda) Ltd.

Bermuda

100

→ Principal Global Investors Holding Company, LLC*#

Delaware

100

→ Principal Global Financial Services (Europe) II LTD*#

United Kingdom

100

→ Principal Global Investors (Europe) Limited*

Wales/United Kingdom

100

→ Principal Global Investors (Switzerland) GMBH*

Switzerland

100

→ Principal Global Investors (Ireland) Limited*#

Ireland

100

→ PGI Origin Holding Company LTD*#<

Wales/United Kingdom

100

→ Origin Asset Management LLP*#<

Wales/United Kingdom

94.14

→ Principal Corporate Secretarial Services Limited

Wales/United Kingdom

100

→ Principal Real Estate Europe Limited

Wales/United Kingdom

100

→ Principal Real Estate Limited

Wales/United Kingdom

100

→ Principal Real Estate B.V.

Netherlands

100

→ Principal Real Estate GmbH

Germany

100

→ PD Frankfurt GmbH mbH

Germany

94.9

→ Principal Real Estate S.á.r.l.

Luxembourg

100

→ Principal Real Estate SAS

France

100

→ Principal Real Estate S.L.U.

Spain

100

→ Principal Real Estate Spezialfondsgesellschaft mbH

Germany

94.9

→ Principal Global Investors (Singapore) Limited*#

Singapore

100

→ Principal Real Asset Investments Private Fund Management (Beijing) Co., Ltd.

China

→ Principal Private Fund Management (Shanghai) Co., Ltd.

China

100

→ Principal Global Investors (Hong Kong) Limited*#

Hong Kong

100

→ Principal Global Investors Holding Company (US), LLC*#

Delaware

100

→ Spectrum Asset Management, Inc.*#<

Connecticut

100

→ SAMI Brokerage LLC

Connecticut

100

→ Post Advisory Group, LLC*#<

Delaware

74.64

→ Principal Commercial Funding, LLC*#<

Delaware

100

→ Principal Global Investors, LLC*#<

Delaware

100

→ Principal Real Estate Investors, LLC*#

Delaware

100

→ Principal Global Investors Trust Company*#

Oregon

100

→ Principal Shareholder Services, Inc.*#

Washington

100

→ Principal Funds Distributor, Inc.*#

Washington

100

→ Principal Islamic Asset Management SDN. BHD*#

Malaysia

→ Principal Financial Group (Mauritius) LTD*#

Mauritius

100

→ Principal Life Insurance Company+#

Iowa

100

→ Principal Reinsurance Company of Delaware*#<

Delaware

100

→ Principal Reinsurance Company of Delaware II*#<

Delaware

100

→ Principal Real Estate Holding Company, LLC*#<

Delaware

100

→ GAVI PREHC HC, LLC*#<

Delaware

100

→ Principal Development Investors, LLC*#<

Delaware

100

→ Principal Real Estate Fund Investors, LLC*#<

Delaware

100

→ Principal Holding Company, LLC*#<

Iowa

100

→ Petula Associates, LLC*<

Iowa

100

→ Principal Real Estate Portfolio, Inc.*#<

Delaware

100

→ GAVI PREPI HC, LLC*#<

Delaware

100

→ Petula Prolix Development Company, LLC*#<

Iowa

100

→ Principal Commercial Acceptance, LLC*#<

Delaware

100

→ Principal Generation Plant, LLC*#<

Delaware

100

→ Principal Bank*#<

Iowa

100

→ Principal Advised Services, LLC

Delaware

100

→ Principal Workplace Ventures, LLC

Delaware

100

→ Equity FC, LTD*#<

Iowa

100

→ Principal Dental Services, Inc.*#<

Arizona

100

→ Employers Dental Services, Inc.*#<

Arizona

100

→ First Dental Health*#<

California

100

→ Delaware Charter Guarantee & Trust Company*#<

Delaware

100

→ Preferred Product Network, Inc.*#<

Delaware

100

→ Principal Reinsurance Company of Vermont*#

Vermont

100

→ Principal Reinsurance Company of Vermont II*#<

Vermont

100

→ Principal International Holding Company, LLC*#

Delaware

100

→ Principal Global Services Private Limited*#

India

100

→ Principal Global Services (Philippines) LLC

Philippines

100

→ CCB Principal Asset Management Company, LTD*

China

→ Principal Financial Services I (US), LLC*#

Delaware

100

→ Principal Financial Services II (US), LLC*#

Delaware

100

→ Principal Financial Services I (UK) LLP *#

Wales/United Kingdom

100

→ Principal Financial Services V (UK) LTD.*#

United Kingdom

100

→ Principal Financial Services II (UK) LTD.*#

Wales/United Kingdom

100

→ Principal Financial Services III (UK) LTD.*#

Wales/United Kingdom

100

→ Principal Financial Services Asia (UK) LTD*#

United Kingdom

100

→ Principal Global Investors Asia (UK) Ltd

United Kingdom

100

→ Principal Global Investors (Australia) Service Company Pty Limited*#

Australia

100

→ Principal Investor Management (DIFC) Limited

UAE

100

→ Principal Global Investors (Australia) Limited*#

Australia

100

→ Principal Global Investors (Japan) Limited*#

Japan

100

→ Principal Financial Services VI (UK) LTD*#

United Kingdom

100

→ Principal Global Financial Services (Europe) LTD*#

United Kingdom

100

→ Principal Financial Services Latin America LTD.*#

Wales/United Kingdom

100

→ Principal International Latin America LTD.*#

United Kingdom

100

→ Principal International Mexico, LLC*#

Delaware

100

→ Principal Mexico Servicios, S.A. de C.V.*#

Mexico

100

→ Principal Innovación, S.A. de C.V.

Mexico

100

→ Principal Financial Group, S.A. de C. V. Grupo Financiero*#

Mexico

100

→ Principal Afore, S. A. de C.V., Principal Grupo Financiero*#

Mexico

100

→ Principal Fondos de Inversión S.A. de C.V., Operadora de Fondos de Inversion, Principal Grupo Financiero*#

Mexico

100

→ Principal Seguros, S.A. de C.V., Principal Grupo Financiero*#

Mexico

100

→ Principal International South America I LTD.*#

Wales/United Kingdom

100

→ Principal International South America II LTD.*#

Wales/United Kingdom

100

→ Principal International South America II LTD., Agencia En Chile*#

Chile/United Kingdom

100

→ Principal International de Chile, S.A.*#

Chile

100

→ Principal Compania de Seguros de Vida Chile S.A.*#

Chile

100

→ Principal Administradora General de Fondos S.A.*#

Chile

100

→ Principal Ahorro e Inversiones S.A.*#

Chile

100

→ Principal Servicios Corporativos Chile LTDA*#

Chile

100

→ Principal Servicios de Administración S.A.*#

Chile

100

→ Principal Holding Company Chile S.A.*#

Chile

100

→ Principal Chile Limitada*#

Chile

100

→ Administradora de Fondos de Pensiones Cuprum S.A.*#

Chile

→ Inversiones Cuprum Internacional S.A.*#

Chile

100

→ Principal National Life Insurance Company+#

Iowa

100

→ Principal Securities, Inc.

Iowa

100

→ Diversified Dental Services, Inc.*#

Nevada

100

→ Principal Innovations, Inc.

Delaware

100

→ Business Owner Ecosystem, Inc.

Delaware

100

→ Principal Workforce, LLC

Delaware

100

→ Principal Financial Services (Asia) Pte Ltd

Singapore

100

+ Consolidated financial statements are filed with the SEC.

* Not required to file financial statements with the SEC.

# Included in the consolidated financial statements of Principal Financial Group, Inc. filed with the SEC.

= Separate Financial statements are filed with SEC.

< Included in the financial statements of Principal Life Insurance Company filed with the SEC.

Item 33. Indemnification

Sections 490.851 through 490.859 of the Iowa Business Corporation Act permit corporations to indemnify directors and officers where (A) all of the following apply: the director or officer (i) acted in good faith; (ii) reasonably believed that (a) in the case of conduct in the individual's official capacity, that the individual's conduct was in the best interests of the corporation or (b) in all other cases, that the individual's conduct was at least not opposed to the best interests of the corporation; and (iii) in the case of any criminal proceeding, the individual had no reasonable cause to believe the individual's conduct was unlawful; and (B) the individual engaged in conduct for which broader indemnification has been made permissible or obligatory under a provision of the corporation's articles of incorporation.

Unless ordered by a court pursuant to the Iowa Business Corporation Act, a corporation shall not indemnify a director or officer in either of the following circumstances: (A) in connection with a proceeding by or in the right of the corporation, except for reasonable expenses incurred in connection with the proceeding if it is determined that the director has met the relevant standard of conduct (above) or (B) in connection with any proceeding with respect to conduct for which the director was adjudged liable on the basis that the director receive a financial benefit to which he or she was not entitled, whether or not involving action in the director's official capacity.

Principal Life Insurance Company's By-Laws provide that it shall indemnify directors and officers against damages, awards, settlements and costs reasonably incurred or imposed in connection with any suit or proceeding to which such person is or may be made a party by reason of being a director or officer of the Company. Such rights of indemnification are in addition to any rights to indemnity to which the person may be entitled under Iowa law and are subject to any limitations imposed by the Board of Directors. The Board has provided that certain procedures must be followed for indemnification of officers, and that there is no indemnity of officers when there is a final adjudication of liability based upon acts which constitute gross negligence or willful misconduct.

Insofar as indemnification for liability arising under the Securities Act of 1933 may be permitted to directors, officers and controlling persons of the Company pursuant to the foregoing provisions, or otherwise, the Company has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore,

unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Company of expenses incurred or paid by a director, officer or controlling person of the Company in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Company will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue.

Item 34. Principal Underwriters

(a) Other Activity

Principal Securities, Inc. acts as principal underwriter for variable annuity contracts issued by Principal Life Insurance Company Separate Account B, a registered unit investment trust and for variable life insurance contracts issued by Principal Life Insurance Company Variable Life Separate Account and Principal National Life Insurance Company Variable Life Separate Account, registered unit investment trusts. Principal Securities, Inc. also acts as principal underwriter for index-linked annuity contracts issued by Principal Life Insurance Company.

(b) Management


(b1) Name and principal			(b2) Positions and offices
business address			with principal underwriter

Christopher Agbe-Davies			Vice President, Associate General Counsel and Assistant Secretary
Principal Financial Group(1)

Vivek Agrawal			Director
Principal Financial Group (1)

Chad Claire			Chief Information Officer
Principal Financial Group(1)

Tom Drogan			Chief Compliance Officer
Principal Financial Group(1)

Amy C. Friedrich			Director
Principal Financial Group(1)

William Froehlich			Vice President, Operations
Principal Financial Group(1)

Sarah Juteau			Counsel
Principal Financial Group(1)

Cody Lawler			Vice President, Head of Operations and Head of Supervision
Principal Financial Group(1)

Kenneth A. McCullum			Director
Principal Financial Group(1)

Michael F. Murray			Chairman, President and Chief Executive Officer
Principal Financial Group(1)

Doug Rants			Chief Information Security Officer
Principal Financial Group(1)

Dawn Roberts			Chief Financial Officer
Principal Financial Group(1)


Nathan P. Schelhaas			Director
Principal Financial Group(1)

Craig Spadafora			Senior Vice President
Principal Financial Group(1)

Dan VanWinkle			AML Officer
Principal Financial Group(1)

Dan L. Westholm			Assistant Vice President - Treasury
Principal Financial Group(1)

(1) 655 9th Street
Des Moines, IA 50309

For the fiscal year ended December 31, 2025:

(1)
Name of Principal Underwriter

(2)
Net Underwriting Discounts & Commissions

(3)
Compensation on Events Occasioning the Deduction of a Deferred Sales Load

(4)
Brokerage Commissions

(5)
Compensation

Principal Securities, Inc. (formerly Princor Financial Services Corporation)

$5,859,489

—

Item 35. Location of Accounts and Records

All accounts, books or other documents of the Registrant are located at the offices of the Depositor, The Principal Financial Group, 711 High Street, Des Moines, Iowa 50392.

Item 36. Management Services

N/A

Item 37. Fee Representation

Principal Life Insurance Company represents the fees and charges deducted under the Policy, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred, and the risks assumed by the Company.

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933 and the Investment Company Act of 1940, the Registrant certifies that it meets all of the requirements for effectiveness of this registration statement under rule 485(b) under the Securities Act and has duly caused this registration statement to be signed on its behalf by the undersigned, duly authorized, in the City of Des Moines and State of Iowa, on the 29th day of April, 2026.


			PRINCIPAL LIFE INSURANCE COMPANY VARIABLE LIFE
			SEPARATE ACCOUNT
			(Registrant)


			By :			/s/ D. D. Strable-Soethout
						D. D. Strable-Soethout
						Director, Chair of the Board Executive Committee Principal Life, President and Chief Executive Officer


			PRINCIPAL LIFE INSURANCE COMPANY
			(Depositor)


			By :			/s/ D. D. Strable-Soethout
						D. D. Strable-Soethout
						Director, Chair of the Board Executive Committee Principal Life, President and Chief Executive Officer

Pursuant to the requirements of the Securities Act, this amendment to the registration statement has been signed by the following persons in the capacities and on the date indicated.


Signature	Title	Date

/s/ D. D. Strable-Soethout	Director, Chair of the Board, Executive	April 29, 2026
D. D. Strable-Soethout	Committee Principal Life, President and Chief Executive Officer

/s/ K. L. Wilhelm	Vice President and Controller	April 29, 2026
K. L. Wilhelm	(Principal Accounting Officer)

/s/ J. M. Pitz	Executive Vice President and Chief Financial Officer	April 29, 2026
J. M. Pitz	(Principal Financial Officer)

/s/ J. S. Auerbach*	Director	April 29, 2026
J. S. Auerbach

/s/ M. E. Beams*	Director	April 29, 2026
M. E. Beams

/s/ J. Carter-Miller*	Director	April 29, 2026
J. Carter-Miller

/s/ R. C. Hochschild*	Director	April 29, 2026
R. C. Hochschild

/s/ S. M. Mills*	Director	April 29, 2026
S. M. Mills

/s/ H. E. Mitchell*	Director	April 29, 2026
H. E. Mitchell



/s/ C. Muruzabal*	Director	April 29, 2026
C. Muruzabal

/s/ D. C. Nordin*	Director	April 29, 2026
D. C. Nordin

/s/ B. C. Pickerell*	Director	April 29, 2026
B. C. Pickerell

/s/ C. S. Richer*	Director	April 29, 2026
C. S. Richer

/s/ A. Rivera*	Director	April 29, 2026
A. Rivera

*By	/s/ D. D. Strable-Soethout
	D. D. Strable-Soethout
	Director, Chair of the Board, President and Chief Executive Officer
	Attorney-in-fact pursuant to Powers of Attorney filed previously

ATTACHMENTS / EXHIBITS

ATTACHMENTS / EXHIBITS

EX-99.(N)(1)